By Marc Gilman
(800) 927-9326 |
Key Takeaways
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Nationwide raised the roll-up rate on its L.inc+ Suite lifetime income rider by one percentage point to 8%, and on its High Point 365 Select rider with bonus by one percentage point to 9.5%.
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Nationwide also enhanced its dollar cost averaging rates on variable annuities, giving investors a smoother way to move money into the market over time.
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Global Atlantic updated rates on its SecureFore fixed annuities (3-, 5-, and 7-year terms, issued by Forethought Life Insurance Company), effective August 24, 2026: 5.25% on the 3-year, 5.55% on the 5-year, and 5.60% on the 7-year for premiums of $100,000 or more (rates run about 20 basis points lower below that threshold).
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A roll-up rate increase isn’t the same as a payout rate increase — it’s still worth understanding what a rider’s roll-up rate actually does before treating “the rate went up” as the full story.
What Did Nationwide Actually Change?
Nationwide increased the roll-up rate — the guaranteed rate at which an annuity’s income base grows before payouts begin — on two of its lifetime income riders:
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L.inc+ Suite, available on Nationwide Destination 2.0 and Nationwide Advisory Retirement Income Annuity (NARIA) variable annuities, increased by one percentage point to 8%.
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High Point 365 Select Lifetime Income Rider with Bonus, available on Nationwide New Heights Select fixed indexed annuities, increased by one percentage point to 9.5%. This rider also carries a 30% instant bonus to the income benefit base and continues guaranteed growth for up to 12 years or until withdrawals begin, whichever comes first.
Nationwide also enhanced its dollar cost averaging rates on variable annuities — a feature that lets an investor move money into market-based subaccounts gradually over a set period rather than all at once, which can smooth out the effect of short-term market swings.
What About Global Atlantic and OneAmerica?
Global Atlantic has also updated rates on its SecureFore fixed annuities — a multi-year guaranteed annuity lineup issued by Forethought Life Insurance Company, available in 3-, 5-, and 7-year terms. As of the rate sheet effective August 24, 2026, SecureFore’s guaranteed rates (with no return-of-premium option, for premiums of $100,000 or more) stand at:
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3-year: 5.25%
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5-year: 5.55%
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7-year: 5.60%
Premiums under $100,000 run about 20 basis points lower across all three terms. SecureFore isn’t available in New York, and minimum/maximum premiums are $10,000 and $1,000,000 (home office approval required above that). As with any carrier’s rate sheet, these figures are subject to change — Global Atlantic’s own materials note that new-issue rates can move at any time, so current numbers should always be confirmed before an application is submitted.
There’s no public indication of a recent rate change from OneAmerica specifically. That’s worth noting rather than assuming — carrier rate changes aren’t always announced publicly, and the absence of a public announcement doesn’t necessarily mean nothing has changed on their current rate sheet.
What’s the Difference Between a Roll-Up Rate and a Payout Rate?
This is worth being precise about whenever a “rate increase” headline comes up. A roll-up rate only grows the hypothetical income base used to calculate future guaranteed income — it isn’t real, withdrawable money, and it often stops accruing once withdrawals begin or after a set number of years. The payout rate — the percentage of that income base actually paid out once turned on — is what determines real income, and a roll-up rate increase doesn’t automatically mean the payout rate improved by the same amount. Both figures matter, and comparing them separately is worth doing before assuming a higher advertised rate means proportionally higher lifetime income.
Where Does Insurance Planning Fit In?
Rate changes like these are a reasonable prompt to revisit an existing annuity strategy or compare current options, but the roll-up rate alone doesn’t tell the whole story — the payout rate at your actual planning age, the rider fee, and how the specific product fits your income timeline all matter more than the headline percentage.
What To Do Next
If you want to understand what these updated rates actually mean for your situation, or want current, confirmed rate sheets across carriers rather than a headline figure, Gilman Agency can walk through the comparison with you.
Call us at (800) 927-9326 or email to schedule a review.
Sources: Nationwide, “Nationwide increases roll-up rates on L.inc+, High Point 365 annuity riders” (news.nationwide.com, May 2025); Wink, Inc., annuity industry rate tracking; Global Atlantic, SecureFore Rates, Current Interest Rates effective 08/24/2026 (professionals.globalatlantic.com).
