| Nationwide Monument Advisor Larger-account investors working with fee-based advisors who want tax-deferred growth, full liquidity, and the broadest possible investment menu at a fraction of traditional VA costs | Variable | 0yr | ★ 4.5 | — | — | Review → |
| Nationwide INCOME Promise Select Buyers who want immediate guaranteed income with more payout flexibility and liquidity access than most SPIAs offer | Income | 0yr | ★ 4.4 | — | — | Review → |
| Nationwide New Heights Select 10 Buyers who want the most competitive crediting terms in the standard New Heights Select line with full rider flexibility and broad state availability | FIA | 10yr | ★ 4.3 | Yes 0.95% (income) or 0.50% (EDB) fee | 3% (EDB with Bonus rider) | Review → |
| Nationwide Stable Income Buyers who want guaranteed lifetime income from a fixed annuity without the complexity of an indexed product, backed by a Fortune 100 carrier | Income | 7yr | ★ 4.3 | Yes 0.95% (built-in) fee | — | Review → |
| Nationwide New Heights Select 8 Buyers who want a low-minimum, principal-protected FIA with a 7-index BAS crediting menu and the flexibility to add either an income or enhanced death benefit rider | FIA | 8yr | ★ 4.2 | Yes 0.95% (income) or 0.50% (EDB) fee | — | Review → |
| Nationwide New Heights Select 9 Buyers who want 3-year strategy terms for potentially higher growth, a 7-index BAS crediting menu, and optional income or death benefit riders | FIA | 9yr | ★ 4.2 | Yes 0.95% (income) or 0.50% (EDB) fee | 4% (EDB with Bonus rider) | Review → |
| Nationwide L.inc+ Core Advisory Fee-based advisor clients who want the cost efficiency of an advisory VA with the added flexibility of optional living benefit riders for income planning | Variable | 0yr | ★ 4.2 | Yes Varies by rider elected fee | — | Review → |
| Nationwide Peak 10 Buyers who want accumulation-first with a built-in income option they can activate later, without paying an extra rider fee | FIA | 10yr | ★ 4.1 | Yes No fee (built-in) fee | — | Review → |
| Nationwide New Heights Select 12 Younger buyers with a very long time horizon who want the most aggressive crediting features including 3-year strategy terms and the highest EDB bonus | FIA | 12yr | ★ 4.1 | Yes 0.95% (income) or 0.55% (EDB) fee | 5% (EDB with Bonus rider) | Review → |
| Advisory Retirement Income Annuity Investors working with a fee-only advisor who want market-based growth in a tax-deferred wrapper, a very low base contract cost, and the option to bolt on lifetime income later | Variable | 0yr | ★ 4.1 | Yes Core Advisory (Single): 1.30% (max 1.50%); Core Advisory (Joint): 1.60% (max 1.90%); Accelerated Advisory (Single): 1.30% (max 1.50%); Accelerated Advisory (Joint): 1.60% (max 1.90%); Pro 4 (Single): 0.45% (max 0.55%); Pro 4 (Joint): 0.60% (max 0.70%) fee | — | Review → |
| Defender Annuity Buyers who want more index upside than a fixed indexed annuity can offer and are willing to absorb a slice of market loss in exchange for a higher ceiling | FIA | 6yr | ★ 4.1 | — | — | Review → |
| Defined Protection Annuity 2.0 Buyers who want index-linked growth but are uncomfortable with the partial downside exposure that most RILAs require | FIA | 6yr | ★ 4.1 | — | — | Review → |
| Secure Growth 5-Year Savers with $100,000 or more who want a clean 5-year locked rate, immediate free-withdrawal access, and an A+ carrier behind the guarantee | MYGA | 5yr | A+ | — | — | Review → |
| Secure Growth 5-Year with MVA Savers who want a guaranteed 5-year rate, can commit $100,000 or more for the higher tier, and are comfortable with a market value adjustment feature | MYGA | 5yr | A+ | — | — | Review → |
| Secure Growth 5-Year with ROP Conservative savers who want a locked 5-year rate with a hard floor against principal loss and no market value adjustment risk | MYGA | 5yr | A+ | — | — | Review → |
| Secure Growth 7-Year Conservative savers who want a guaranteed fixed rate locked for seven years, full principal protection, and no interest-rate risk on money they do not plan to touch | MYGA | 7yr | A+ | — | — | Review → |
| Secure Growth 7-Year with MVA Retirement savers who want a locked 7-year guaranteed rate from a highly rated carrier with no rider complexity | MYGA | 7yr | A+ | — | — | Review → |
| Secure Growth 7-Year with ROP Conservative savers who want a guaranteed 7-year locked rate from a highly rated carrier and want the peace of mind that they can always get at least their premium back | MYGA | 7yr | A+ | — | — | Review → |
| Nationwide Secure Growth Buyers who want a guaranteed fixed rate from a top-rated carrier with the flexibility to choose from multiple guarantee periods in a single product | MYGA | 7yr | A+ | — | — | Review → |
| Personal Income Annuity Buyers working with a Fidelity advisor who want a built-in lifetime income guarantee on a variable annuity with a short 5-year surrender window | Income | 5yr | ★ 4.0 | Yes 1.30% annually, charged on Benefit Base fee | — | Review → |
| Secure Growth 3-Year Conservative savers who want a short guaranteed-rate period, a trusted carrier name, and immediate access to a free-withdrawal amount from day one | MYGA | 3yr | A+ | — | — | Review → |
| CareMatters Retirees aged 40–80 who want to fund potential long-term care costs using nonqualified savings without removing money from their estate until needed | MYGA | 10yr | A+ | — | — | Review → |
| Platinum Edge 6-Year Retirement savers who want a locked six-year rate from a highly rated carrier, a low entry minimum, and a clean transition process at the end of the guarantee period | MYGA | 6yr | A+ | — | — | Review → |
| Platinum Edge 7-Year Conservative savers who want a locked seven-year rate from a strong carrier and can commit funds they won't need liquid access to beyond the free-withdrawal amount | MYGA | 7yr | A+ | — | — | Review → |
| Nationwide Peak 5 Buyers who want a shorter-duration FIA with a broader index menu than Summit, backed by a Fortune 100 carrier | FIA | 5yr | ★ 3.9 | — | — | Review → |
| Nationwide Destination Navigator 2.0 Buyers who want market-linked accumulation with the flexibility to add guaranteed income riders later, and who value purchase payment credits on larger deposits | Variable | 7yr | ★ 3.9 | Yes Varies by rider elected fee | 0.50–1.00% | Review → |
| Secure Growth 3-Year with MVA Conservative savers who want a short, guaranteed-rate commitment with a well-rated carrier and can accept a market value adjustment on early withdrawals | MYGA | 3yr | A+ | — | — | Review → |
| Secure Growth 4-Year Conservative savers who want a short, locked guaranteed rate with a nationally recognized carrier and a clean exit after four years | MYGA | 4yr | A+ | — | — | Review → |
| Secure Growth 4-Year with MVA Conservative savers who want a short, clean rate lock with a name-brand carrier and are comfortable with the MVA structure | MYGA | 4yr | A+ | — | — | Review → |
| Peak 5 Series A Conservative accumulators who want a short FIA commitment, two index choices, and no rider complexity | FIA | 5yr | ★ 3.9 | — | — | Review → |
| Platinum Edge 8-Year Retirement savers with a true 8-year horizon who want a locked, guaranteed rate from an A+-rated carrier and do not need an income rider | MYGA | 8yr | A+ | — | — | Review → |
| Nationwide Summit Buyers who want a straightforward, no-fee FIA from a top-rated carrier with simple cap-based crediting and no unnecessary complexity | FIA | 7yr | ★ 3.8 | — | — | Review → |
| Advisory Retirement Income Annuity (NY) New York investors working with a fee-only advisor who want tax-deferred market participation and the option to layer on a lifetime income guarantee without paying a commission or accepting a surrender period | Variable | 0yr | ★ 3.8 | Yes Empire Advisory NY III: 1.45% current / 1.60% max (single life); 1.60% current / 1.90% max (joint). Core Advisory / Accelerated Advisory: 1.30% current / 1.50% max (single), 1.60% current / 1.90% max (joint). Pro 4: 0.45% current / 0.55% max (single), 0.60% current / 0.70% max (joint). Fees based on Benefit Base, charged annually. fee | — | Review → |
| Secure Growth 3-Year with ROP Conservative savers who want a short-term locked rate from a top-rated carrier and need the peace of mind that they cannot lose principal under any surrender scenario | MYGA | 3yr | A+ | — | — | Review → |
| Secure Growth 4-Year with ROP Conservative savers who want a short locked-rate annuity from a top-rated carrier with a built-in return-of-premium safety net and no market value adjustment risk | MYGA | 4yr | A+ | — | — | Review → |
| Peak 5 Series B Buyers who want a shorter FIA commitment, principal protection, and a no-fee contract from a highly rated carrier without paying for income features they don't need | FIA | 5yr | ★ 3.8 | — | — | Review → |
| Platinum Edge 3-Year Conservative savers who want a short, low-minimum guaranteed-rate contract from a highly rated carrier and don't need to touch the money during the surrender period | MYGA | 3yr | A+ | — | — | Review → |
| Platinum Edge 4-Year Buyers who want a short locked-rate commitment and prefer a simple guaranteed-rate design with a flexible entry account | MYGA | 4yr | A+ | — | — | Review → |
| Platinum Edge 5-Year Conservative savers who want a guaranteed rate for five years and already work with a registered representative | MYGA | 5yr | A+ | — | — | Review → |
| Platinum Edge 9-Year Conservative savers who want a locked fixed rate from a top-rated carrier and do not need to access principal during the surrender period | MYGA | 9yr | A+ | — | — | Review → |
| Platinum Edge 10-Year Buyers with long-term money who want a guaranteed rate for a decade and value a carrier-backed SEC-registered platform with mild surrender charges | MYGA | 10yr | A+ | — | — | Review → |
| Destination B 2.0 (NY) New York residents who want tax-deferred market participation across a broad subaccount lineup and may add a lifetime income rider later | Variable | 7yr | ★ 3.6 | — | — | Review → |
| Destination Navigator 2.0 L-Share Investors who want broad market exposure inside a tax-deferred wrapper, value a shorter 4-year surrender window, and may want to bolt on an optional lifetime income rider later | Variable | 4yr | ★ 3.6 | — | 0.50% on cumulative household premiums $500,000–$999,999; 1.00% on $1,000,000+ | Review → |
| Destination Architect 2.0 Fee-based advisory clients who want tax-deferred market growth across a deep subaccount menu, full liquidity, and the option to bolt on income or death-benefit guarantees later | Variable | 0yr | ★ 3.6 | — | — | Review → |
| Destination Freedom B-Share Tax-deferral-focused investors who want broad market participation through sub-accounts, a shorter surrender commitment than most variable annuities, and optional death-benefit protection without paying for a lifetime-income rider | Variable | 5yr | ★ 3.5 | — | — | Review → |
| Destination All American Gold 2.0 Buyers who want tax-deferred market participation through a deep subaccount lineup and may bolt on a lifetime income rider later | Variable | 7yr | ★ 3.5 | — | 0.50% on cumulative household premiums $500,000-$999,999; 1.00% on cumulative household premiums $1,000,000+ | Review → |
| Destination All American Gold 2.0 L-Share Buyers who want true market participation through a broad subaccount lineup, a short 4-year surrender window, and the option to add lifetime income or an enhanced death benefit only if they want it | Variable | 4yr | ★ 3.5 | — | — | Review → |
| Destination Navigator 2.0 B-Share (NY) New York residents who want tax-deferred investment growth across a large subaccount menu and are willing to bolt on an optional income or enhanced death-benefit rider | Variable | 7yr | ★ 3.5 | — | — | Review → |
| JP Morgan Multi-Asset Choice Fee-based advisory clients who want a low-cost, tax-deferred investment chassis with a deep subaccount menu and no surrender period | Variable | 0yr | ★ 3.4 | — | — | Review → |
| JP Morgan Multi-Asset Choice (NY) New York investors already working with a fee-based advisor who want low-cost, tax-deferred access to a deep subaccount lineup without surrender charges | Variable | 0yr | ★ 3.4 | — | — | Review → |
| Destination B 2.0 Buyers who specifically want broad market participation inside a tax-deferred wrapper and are willing to pay the variable-annuity cost stack to get it | Variable | 7yr | ★ 3.4 | — | 0.50% on $500,000-$999,999; 1.00% on $1,000,000+ | Review → |
| Personal Income Annuity (NY) New York buyers working through a Fidelity advisor who want a low base-cost variable annuity with an optional guaranteed-income rider attached to a single balanced portfolio | Variable | 5yr | ★ 3.4 | Yes 1.30% annually, charged on benefit base fee | — | Review → |
| Destination Freedom C-Share Tax-deferred investors who want full liquidity from day one and are willing to pay a recurring fee for the privilege of no surrender charges | Variable | 0yr | ★ 3.3 | — | — | Review → |
| Destination Future Merrill Lynch clients who want tax-deferred market exposure across a deep subaccount menu and are willing to add an optional income or death-benefit rider for an extra fee | Variable | 7yr | ★ 3.3 | — | — | Review → |
| Indexed Principal Protection Plan participants in a 401(k), 401(a), or 457(b) who want a principal-protected, FIA-style option inside their employer retirement plan without committing to any surrender period | FIA | 0yr | ★ 3.3 | — | — | Review → |
