New Heights Select 10 is not available in CA, DE, GU, NY, PR or VI.
 If you withdraw assets within the first 10 years of your contract, your principal may be reduced by surrender charges. The surrender charge schedule may vary by state. The Market Value Adjustment is not applicable in all states. Please refer to the MVA endorsement in your contract for details.
 Note: While the crediting factors will not change during a strategy term, crediting factors for each subsequent strategy term may vary.
 Some indexes 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. New Heights Select performance will not match the performance of the index. Past index performance is not a representation of future performance.
 The strategy may not be successful, and the index may be subject to increased volatility due to its use of leverage.
 NYSE Zebra Edge II Index relies on a risk control methodology and could under-perform indexes that do not have a risk control overlay.
 International investing involves risk, such as currency exchange rate fluctuations, differences in economic stability, the possibility for disaster in other geographies, political factors and differences in accounting standards.
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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 issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio.
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.
The Goldman Sachs New Horizons Index (the “Index”), and related trademarks and service marks are the exclusive property of Goldman Sachs and such Index is licensed to Nationwide Life and Annuity Insurance Company for use in a Fixed Index Annuity (the “Product”). This Product is not sponsored, endorsed, recommended, promoted or sold by Goldman Sachs or by any third party provider of market data. Goldman Sachs and its affiliates, and any third party data provider disclaim to the full extent legally permitted all representations, third-party-beneficiary obligations, and warranties, including concerning warranty, advisability, suitability, and data and methodology accuracy and errors. Neither the Index nor any of the assets comprising it are guaranteed to yield specific results. There are no third-party beneficiaries of any agreements between third party providers and Goldman Sachs. Visit for complete disclosure.
The J.P. Morgan Mozaic IISM Index (“Index”) has been licensed to Nationwide Life and Annuity Insurance Company (the “licensee”) for the licensee’s benefit. Neither the licensee nor Nationwide New Heights Select Fixed Indexed Annuity ("The Product") are sponsored, operated, endorsed, recommended, sold or promoted by J.P. Morgan Securities LLC (“JPMS”) or any of its affiliates (together and individually, “JPMorgan”). JPMorgan makes no representation and gives no warranty, express or implied, to contract owners taking exposure to the Product. Such persons should seek appropriate professional advice before making any investment. The index has been designed and is compiled, calculated, maintained and sponsored by JPMS without regard to the licensee, the Product or any contract owner. JPMorgan is under no obligation to continue compiling, calculating, maintaining or sponsoring the index. JPMorgan may independently issue or sponsor other indexes or products that are similar to and may compete with the index and the Product. JPMorgan may also transact in assets referenced in the index (or in financial instruments such as derivatives that reference those assets). The activities could have a positive or negative effect on the value of the index and the product.
The NYSE® Zebra Edge® II Index has been licensed by ICE Data Indices, LLC (together with its subsidiaries and affiliates, “IDI”) to UBS AG and sub-licensed by UBS AG (together with its subsidiaries and affiliates, “UBS”) to Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company (collectively, “Nationwide”) for use in certain life insurance and annuities offered by Nationwide (the “Products”). Neither Nationwide nor the Products are sponsored, operated, endorsed, recommended, sold or promoted by Zebra Capital Management, LLC (together with its affiliates and subsidiaries, “Zebra”), IDI or UBS and in no event shall Zebra, IDI or UBS have any liability with respect to the Products or the Index. Zebra, IDI and UBS make no representations, give no express or implied warranties and have no obligations with regard to the Index, the Products or otherwise to any investor in the Products, client or other third party. The mark NYSE® is a registered trademark of NYSE Group, Inc., Intercontinental Exchange, Inc. or their affiliates and is being utilized by ICE Data Indices, LLC under license and agreement. The marks Zebra® and Zebra Edge® are registered trademarks of Zebra Capital Management, LLC, may not be used without prior authorization from Zebra Capital Management, LLC, and are being utilized by ICE Data Indices, LLC under license and agreement.
The SG Macro Compass Index (the “Index”) is the exclusive property of SG Americas Securities, LLC (“SG”) and has been licensed to Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company (collectively, “Nationwide”) for use in certain life insurance and annuities offered by Nationwide (the “Products”). With respect to the Products, SG’s sole contractual relationship with Nationwide is to license the Index and the SG Marks to Nationwide. None of SG, S&P Opco, LLC, or other third party licensor (collectively, the “Index Parties”) to SG is an agent of Nationwide or has in any way sponsored, promoted, offered, sold structured or priced any Product, and no Index Party makes any representation as to the advisability of purchasing, selling or holding any Product. No Index Party shall have any liability with respect to the Products or for any losses relating to the Products, whether arising directly or indirectly from the use of the Index. No Index Party shall have any obligation to make payments under the Products. In calculating the performance of the Index, SG deducts transaction and replication costs, each calculated and deducted on a daily basis, which will reduce the potential positive change in the Index and increase the potential negative change in the Index. The total amount of transaction and replication costs is not predictable and will depend on a number of factors. “SG Americas Securities, LLC”, “SGAS”, “Société Générale”, “SG”, “Société Générale Indices”, “SGI”, and “SG Macro Compass Index” are trademarks or service marks of SG. Additional information is available at sg-macro-compass.com.
The product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such product or any index on which such product is based. The contract contains a more detailed description of the limited relationship MSCI has with Nationwide and any related funds.
Nationwide, the Nationwide N and Eagle, Nationwide is on your side, Nationwide High Point 365 and Nationwide High Point are service marks of Nationwide Mutual Insurance Company.
Contract/certificate: ICC20-FACC-0126AOPP, ICC20-FARR-0122AO, ICC20-FARR-0123AO, ICC20-FARR-0124AO, ICC20-FARR-0125AO