Nationwide YourLife® Survivorship VUL
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Nationwide YourLife® Survivorship VUL


Nationwide YourLife® Survivorship VUL is a policy underwritten for two lives that provides death benefit protection and the potential for cash value accumulation.

Target market

Nationwide YourLife Survivorship VUL is designed for affluent and high-net-worth clients ages 50 − 70 seeking competitively priced death benefit protection, flexible death benefit guarantees and cash value accumulation potential. Protections and guarantees are subject to the claims-paying ability of the issuing insurance company.

Key features

  • Competitive pricing
  • Flexible and attractive death benefit guarantee
  • Table share program on both lives
  • Owner-directed settlement options

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

Client brochure

Product details

  • Minimum specified amount: $100,000
  • Surrender charge period: 15 years
  • Fees:
    • Premium load charge: 8.0% up to target and 5.0% on excess of target in years 1 − 15; 6.0% up to target and 5% on excess of target in years 16+
    • Monthly administrative charge: $15 per month in years 1 - 15, $5 per month in years 16+ ($9 in all years in NY)
    • Monthly per-thousand charge: A 15-year charge based on the base policy specified amount and both insureds’ age and sex
    • Monthly cost of insurance: Varies by age, sex, duration, total specified amount, smoking status and rating
    • Mortality and expense charge:
      • Current
        • Years 1 − 15: 0.80% up to $250,000 of cash value, 0.50% above
        • Years 16 − 20: 0.50% of cash value
        • Years 21+: 0
      • Guaranteed
        • Years 1 − 15: 0.80% of cash value
        • Years 16 − 20: 0.50% of cash value
        • Years 21+: 0.30% of cash value

Get started

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

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

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