Nationwide Clear Horizon® Fixed and Indexed Annuity
Get Appointed Call the Nationwide Sales Desk 1-800-321-6064

Nationwide Clear Horizon® Fixed Indexed Annuity


Nationwide Clear Horizon Index Annuity offers upside potential without sacrificing the safety your clients need.

Target market

Nationwide Clear Horizon Index Annuity is for clients who desire a measure of protection for their money without losing the ability to benefit from gains in the market.

Key features

  • Interest credited annually based on the performance of the S&P 500 Composite Stock Index,1 without capital gains and dividends, up to the cap; interest rates “locked in” at the end of the index period
  • Optional return of purchase payment rider
  • Tax-deferred growth

Sales idea

Product literature/support materials

Product details

  • Maximum issue age: 90 for owner and annuitant
  • Plan types: Nonqualified, IRA, Roth IRA
  • Minimum initial investment: $10,000 single purchase payment
  • Contingent Deferred Sales Charge (CDSC): 7-year declining charge
  • Penalty free withdrawals:
    • 10% of contract value annually after first year (noncumulative); withdrawals will not receive any interest credits earned during the index period the withdrawal was made
  • CDSC Waivers: Terminal illness and long-term case (may not be available in all states)
  • Minimum guarantee:
    • During CDSC: greater of (1) contract value minus CDSC charge, (2) 90% of purchase payments accumulated at 1.50% interest, (3) minimum non-forfeiture value as determined by state
    • After CDSC: Return of purchase payment plus interest credited minus previous withdrawals
  • Principal guarantee
    • Standard: return of principal if held through CDSC period minus previous withdrawals and applicable state premium taxes
    • Return of purchase payment rider: guarantees return of principal, minus previous withdrawals and applicable state premium taxes, when entire contract value is surrendered during CDSC period, the CDSC will be deducted from the interest earned, not principal;  this rider results in a deduction that applies to all declared interest rates and index caps.

Get started

For more information or to make a case, contact your Nationwide® wholesaler at 1-800-321-6064.

Nationwide Clear Horizon is an individual, single purchase payment, deferred, fixed interest and indexed annuity.

Annuities are long-term, tax-deferred vehicles designed for retirement. They also allow you to create a stream of income you can’t outlive through a process called annuitization.

But, as with most things in life, annuities do have limitations. If you decide to take your money out early, you may face surrender charges. Plus, if you’re not yet age 59½, you may also have to pay a 10% tax penalty in addition to ordinary income taxes. Naturally, if you take an early withdrawal, your death benefit and cash value will be reduced.

“Standard & Poor’s®”, “S&P®”, “S&P 500®”, Standard & Poor’s 500®, and 500® are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by Nationwide Life Insurance Company. The product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing the product.

The Nationwide Clear Horizon Indexed Annuity, an individual, single purchase payment, deferred, fixed interest and/or index annuity, is issued by Nationwide Life Insurance Company, Columbus, Ohio, a member of Nationwide Financial. Please note, the contract doesn’t directly participate in any stock or equity investments.

Nationwide and Nationwide Clear Horizon are service marks of Nationwide Mutual Insurance Company.