Nationwide New Heights^® Select 12

New Heights 12 is not available in Alaska, California, Connecticut, Delaware, Guam, Idaho, Iowa, Kentucky, Maryland, Minnesota, Missouri, Mississippi, Montana, New Hampshire, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, Texas, Utah, the U.S. Virgin Islands or Washington.

[1] If you withdraw assets within the first 12 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.

[2] Note: While the crediting factors will not change during a strategy term, crediting factors for each subsequent strategy term may vary.

[3] 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.

[4] The strategy may not be successful, and the index may be subject to increased volatility due to its use of leverage.

Read this important information.

This material is not a recommendation to buy or sell a financial product or to adopt an investment strategy. Investors should discuss their specific situation with their financial professional.

Nationwide New Heights Select is a single premium, fixed indexed deferred annuity issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

Fixed annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses or to fund short-term savings goals. Please read the contract for complete details.

Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% federal tax penalty.

New Heights Select does not directly participate in the stock market or any index. It is not possible to invest in an index. Neither Nationwide nor any of its affiliates are related to or affiliated with The Growth Fund of America, Goldman Sachs, Citi, Nasdaq, Société Generale or Standard & Poor’s.

The Index Strategies linked to The Growth Fund of America® from American Funds® are not market indexes. They are based on a retail mutual fund whose investment returns are used to determine the performance of the associated Index Strategies. You will not become a shareholder of the mutual fund by investing in the Index Strategies, nor will you have any voting, dividend, liquidation, or any other rights typically afforded to the mutual fund's shareholders. American Funds' The Growth Fund of America and its trademarks and data have been licensed for use by Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company. All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc. ("Capital Group") or an affiliated company or fund. All other company and product names mentioned are the property of their respective companies. This Product is not sponsored, endorsed, recommended, offered, sold, issued or promoted by Capital Group or any of its affiliates, or any of their respective third-party licensors. Capital Group has no obligation or liability in connection with the administration or marketing of this Product. Capital Group makes no representation or warranty, express or implied, to the owners of this Product or any member of the public regarding the suitability or advisability of investing in this Product or any Index Strategy. Capital Group has not prepared any part of this document and no statements made herein should be attributed to Capital Group.

The GS® American Funds® GFA 15% Index (the "Index") is a product name that combines trademarks owned by Goldman Sachs & Co. LLC (“Goldman Sachs”) and Capital Client Group, Inc. and The Growth Fund of America (collectively, “Capital Group”), each of which retains sole ownership of its respective trademarks. The Capital Group marks are used by Goldman Sachs under license and are sublicensed by Goldman Sachs to Nationwide Life and Annuity Insurance Company (“Nationwide”) solely for use in connection with Nationwide’s fixed indexed annuity product that reference or are linked to the Index (the "Permitted Products''). The Permitted Products are not sponsored, endorsed, recommended, promoted or sold by Capital Group, Goldman Sachs or by any third-party provider of market data. Capital Group, Goldman Sachs, and their respective 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 data providers and Goldman Sachs. Visit https://www.goldmansachsindices.com/products/GSGFA15 for complete disclosure.

The “S&P 500®" and the “S&P Distance Stabilizer TCA Index” are Products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Nationwide Life and Annuity Insurance Company (“Nationwide”).S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones® is a registered trademark 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® Select 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 Products.

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 https://www.goldmansachsindices.com/products/GSNHRZON for complete disclosure.

Nasdaq® and Nasdaq-100 Volatility Control 10% P.R.TM, Nasdaq-100®, and NDXV10P are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by Nationwide Life and Annuity Insurance Company and Nationwide Life Insurance Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).

Citi is a registered trademark and service mark of Citigroup Inc. or its affiliates and is used and registered throughout the world. Loomis Sayles is a trademark of Loomis, Sayles & Company, L.P. (“Loomis Sayles”) registered with the US Patent and Trademark Office. The trademarks Citi and Loomis Sayles are being utilized under license and agreement.  Nationwide New Heights® Select (the “Financial Product”) is not sponsored, endorsed, sold or promoted by Citigroup or Loomis Sayles, and neither Citigroup nor Loomis Sayles makes any representation regarding the advisability of investing in such Financial Product.  Neither Citigroup nor Loomis Sayles gives any express or implied warranties, including, but not limited to, any warranties of merchantability or fitness for a particular purpose or use.  In no event shall Citigroup or Loomis Sayles be liable for any direct, indirect, special or consequential damages in connection with any use of the Citigroup or Loomis Sayles data and information.

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”). 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 https://sgi.sgmarkets.com/us/index-details/SGMACRO

The GS® American Funds® GFA 15% Index, Goldman Sachs New Horizons Index, Loomis Sayles Discovery Index, S&P 500® Distance Stabilizer TCA Index and SG Macro Compass Index are excess return indexes. Indexes calculated on an excess return basis include calculation elements that reduce index performance. Because of this, an excess return version of an index will have lower performance than a total return version of the same index would, especially in high-interest rate environments. Some excess return indexes also deduct a notional charge(s) in calculating index performance. This deduction(s) will reduce the potential positive change in index performance and increase the potential negative change in the index performance.

Nationwide may discontinue any index that becomes unavailable (i.e., is no longer published) or the calculation of which is substantially changed. Nationwide may substitute with a comparable index or may adjust the method of calculating index segment interest, subject to regulatory approval.

Nationwide, the Nationwide N and Eagle, Nationwide New Heights, New Heights, Nationwide High Point and High Point 365 are service marks of Nationwide Mutual Insurance Company. Third-party marks are the property of their respective owners. © 2026 Nationwide

Contract/certificate: ICC20-FACC-0126AOPP, ICC20-FARR-0122AO, ICC20-FARR-0123AO, ICC20-FARR-0124AO, ICC20-FARR-0125AO, ICC23-FAZZ-0150AO.1, ICC2O-FAZZ-0151AO, ICC20-FAZZ-0152AO