Morgan Securities LLC (“JPMS”) or any of its affiliates (together and individually, “JPMorgan”). Neither the Licensee nor Nationwide New Heights ® Select Fixed Indexed Annuity (the “Product”) is sponsored, operated, endorsed, sold or promoted by J.P. Morgan Mozaic II℠ Index (“JPMorgan Index”) has been licensed to Nationwide Life and Annuity Insurance Company (the “Licensee”) for the Licensee’s benefit. Guarantees and protections are subject to the claims-paying ability of Nationwide Life and Annuity Insurance Company. Please read the contract for complete details. 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.

They are long-term vehicles designed for retirement purposes. Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% federal tax penalty.Īnnuities have limitations. Please note, the contract does not directly participate in the stock market or any index.

Nationwide New Heights ® Select, an individual, single purchase payment, deferred fixed index annuity is issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio. Fixed indexed annuities are not an investment and do not directly invest in the stock market or any index. Morgan Mozaic II℠ Index and should be used in conjunction with the Nationwide New Heights fixed indexed annuities materials. Morgan Mozaic II℠ Index, please visit This content was designed to provide information on the J.P. Morgan, one of the world’s leading financial services firms, designed the Index to provide a diversified asset allocation with the opportunity to perform in growing and shrinking markets.įor more information on the J.P. The Index proactively rebalances the selected asset classes each month to provide a more stable return. The Index utilizes a diversified group of asset classes including equities, fixed income and commodities to provide greater opportunities for growth than a single asset class.Įach month, the Index selects asset classes with the highest returns to capitalize on proven and persistent performance. With a strategy to potentially generate consistent returns while managing volatility, the Index is founded upon three core principles: Morgan Mozaic II℠ Index (the Index) utilizes some of the same investment philosophies used by the largest institutional investors seeking positive returns in both good and bad market environments.

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