Nationwide YourLife® Accumulation VUL
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Nationwide YourLife® Accumulation VUL


As you know, life insurance offers financial protection in the event of an unexpected death. Above and beyond this primary protection, Nationwide YourLife® Accumulation VUL offers affluent and high net worth clients a long-term strategy to help them prepare for many years to come. Features of this product include permanent protection, market participation and tax-deferred growth potential so these clients may maintain their lifestyle.

Target market

This product is designed for affluent and high net worth clients, ages 35 to 55, who are already contributing the maximum amount allowable to their qualified retirement plans, and have a need for life insurance and the ability to overfund the product.

Key Features

  • Designed for growth potential — competitive product design helps to maximize growth potential
  • An indemnity-style long-term care rider* — pays benefits directly to the policyowner to make managing long-term care (LTC) expenses easier
  • Nationwide YourLife policy management program — services at no extra charge that help your clients keep their policies on track
  • Greater simplicity — management tools, sales support and top-notch underwriting programs make the product easier to sell, while the permanent protection and available features make sense to clients

Investment Options

We offer a wide variety of investment options across a broad spectrum of asset classes and styles, including multiple asset allocation funds. These funds are only available as a part of this life insurance product and cannot be invested in separately.

Product Literature/Support Materials

View the prospectus

Product Details

  • Minimum specified amount: $100,000 
  • Surrender charge period: 10 years
  • Fees:
    • Premium load charge: 6.0%
    • Monthly administrative charge: $25 first year, $10 in years 2+ ($9 in all years in NY)
    • Monthly per-thousand charge: assessed for the first 10 years after policy issue and any specified amount increase
    • Monthly cost of insurance: Varies by age, sex, duration, total specified amount, smoking status and rating
    • Mortality and expense charge: currently 0% of variable cash value, guaranteed to never exceed 0.30% of variable cash value annually

Get started

For more information or to make a case, contact your Nationwide® wholesaler at 1-800-321-6064.