GROWTH POTENTIAL

with downside protection is possible

NFW-3333AO

Nationwide YourLife^® Indexed UL

Overview

Nationwide YourLife^® Indexed UL was designed with feedback from professionals like you to offer your clients an approachable strategy for planning for the future. It’s a universal life product that offers permanent death benefit protection, minimum guarantees, index-linked accumulation and flexible access to cash values.

Target market

This product is designed for people ages 35 to 55 looking for permanent death benefit protection, minimum guarantees and the potential for growth.

Note: We also offer an executive version of this product, Nationwide^® Executive Indexed UL.

Key features

Growth potential – offers the potential to build cash value without the risk of market-based losses
Value – designed with a low-cost expense structure
Flexibility – features an indemnity-style long-term care rider
Protection – provides a base guarantee plus the option of an extended death benefit guarantee

Case Studies

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Product details

Minimum Specified Amount: $100,000
Surrender charge period: 15 years for issue age up to 65, declining to 10 years for issue ages 70+
Fees:
- Premium charge of 6%, guaranteed not to exceed 10%
- Monthly administrative fee is currently $10/month, guaranteed not to exceed $20/month
- Monthly cost of insurance varies by age, sex, duration, death benefit option, total specified amount, smoking status, rating and accumulated value
- Monthly per-thousand charge varies by age, sex, death benefit option and total specified amount; assessed for the first 15 years following policy issue and any increase in specified amount; rate per $1,000 decreases as the specified amount increases (the decrease is not guaranteed)

Optional features

Accelerated Death Benefit rider
Accidental Death Benefit Rider
Additional Term Insurance rider
Change of Insured rider (only available with GI/SI corporate-owned and corporate-sponsored arrangements)
Children’s Insurance rider
Conditional Return of Premium rider
Extended Death Benefit Guarantee rider
Long-term Care rider
Overloan Lapse Protection rider
Premium Waiver rider
Spouse Insurance rider
Surrender Value Enhancement benefit (only available with GI/SI corporate-owned and corporate-sponsored arrangements)
Waiver of Monthly Deductions rider

Get started

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

Nationwide and Nationwide YourLife are service marks of Nationwide Mutual Insurance Company.

Life Insurance issued by Nationwide Life Insurance Company and/or Nationwide Life and Annuity Insurance Company.

Guarantees are subject to the claims paying ability of Nationwide.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will life insurance needs. Care should be taken to ensure this product is suitable for long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit individual needs.

Indexed universal life insurance policies are not stock market investments, do not directly participate in any stock or equity investments, do not receive dividend or capital gains participation. Past index performance of an index is no indication of future crediting rates.

Not a deposit. Not FDIC or NCUSIF insured. Not guaranteed by the institution. Not insured by any federal government agency. May lose value.