New Heights 10 is not available in California, Guam, New York, Puerto Rico or the U.S. Virgin Islands.
 If you withdraw assets within the first 10 years of your contract, your principal may be reduced by fees known as contingent deferred sales charges (CDSC). In CA, CDSC is called a surrender charge. CDSC schedules may vary by state.
 Note: While the crediting factors will not change during a strategy term, crediting factors for each subsequent strategy term may vary.
 Some indices do not include dividends paid on the underlying stocks, and therefore do not reflect the total return of the underlying stocks; an index or any market-indexed annuity is not comparable to a direct investment in the financial markets. Clients who purchase indexed annuities are not directly investing in a stock market index. An index cannot be invested in directly and is unmanaged. A blend of indices may not be available at the time of contract issue, but may be available in the future; if a blend is not available, a single index will be used. Past index performance is not a representation of future performance.
 A long-term care event or terminal illness or injury event requires that the contract owner and annuitant are the same person, and that person is no older than the maximum identified eligibility age on the date of issue. A long-term care event (in some states referred to as confinement) requires that the contract owner has been confined to a long-term care facility or hospital for a continuous 90-day period that began after the contract issue date. A terminal illness or injury event must be diagnosed after the contract issue date by a physician who certifies that the contract owner is expected to live less than 12 months from the diagnosis. These options may not be available in all states. Please note that additional limitations and restrictions may apply.
 Lifetime income payments can begin after the first contract anniversary and the date that the youngest covered life reaches age 50. Once the contract is issued, the range of lifetime payout percentages applicable to the contract will not change; however, payout percentages increase within that range every year income is deferred until the maximum payout percentage is reached. Once the lifetime income payments begin, the payout percentage will not change.
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Guarantees and protections are subject to the claims-paying ability of Nationwide Life and Annuity Insurance Company.
Nationwide New Heights is underwritten by Nationwide Life and Annuity Insurance Company, Columbus, Ohio 43215.
The “S&P 500” is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by Nationwide Life and Annuity Insurance Company (“Nationwide”). Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); DJIA®, The Dow®, Dow Jones® and Dow Jones Industrial Average are trademarks of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Nationwide. Nationwide New Heights℠ Fixed Indexed Annuity is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500.
Nationwide New Heights, Nationwide High Point 365 and Nationwide High Point are service marks of Nationwide Mutual Insurance Company.
Contract/certificate: ICC13-FACC-0108AOPP, ICC16-FARR-0106AO, ICC16-FARR-0107AO, ICC16-FARR-0110AO, ICC16-FARR-0111AO