7-Year multi-year guaranteed annuity · A.M. Best A+
Assumes the contract is held to maturity and interest compounds annually at the locked rate. No withdrawals.
| Year | Starting Balance | Interest Credited | Ending Balance |
|---|---|---|---|
| Year 1 | $100,000.00 | +$4,700.00 | $104,700.00 |
| Year 2 | $104,700.00 | +$4,920.90 | $109,620.90 |
| Year 3 | $109,620.90 | +$5,152.18 | $114,773.08 |
| Year 4 | $114,773.08 | +$5,394.33 | $120,167.42 |
| Year 5 | $120,167.42 | +$5,647.87 | $125,815.29 |
| Year 6 | $125,815.29 | +$5,913.32 | $131,728.60 |
| Year 7 | $131,728.60 | +$6,191.24 | $137,919.85 |
Withdrawals above the contract's free-withdrawal allowance during the surrender period incur the following charge. A Market Value Adjustment (MVA) also applies on early withdrawals and can increase or decrease the surrender value based on interest rate movement since issue.
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8+ |
|---|---|---|---|---|---|---|---|---|
| Charge | 9.4% | 8.5% | 7.5% | 6.5% | 5.5% | 4.5% | 3.5% | 0% |
Source: carrier rate filing via AnnuityRateWatch. Verify final terms against your issued contract or licensed agent.
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Read our full Nationwide Life Insurance Company review for a detailed look at the company's history, product lineup, and financial strength.
Nationwide Life Insurance Company carries an A.M. Best rating of A+, an indicator of the company's financial strength and ability to meet its insurance obligations. When you purchase an annuity, your guarantees are backed by the issuing insurance company's claims-paying ability, so carrier strength matters.
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Live rate feed Last updated June 22, 2026. Rates refresh every 6 hours via the AnnuityRateWatch API. Subject to change without notice.
