One minute, your clients are fine. The next, life has them coming to you for answers. That’s why we designed Nationwide YourLife^SM, a new suite of life insurance products created with clients’ life stages in mind.

Nationwide YourLife gives you the flexibility to help your clients, no matter what they’re juggling.

The Nationwide^® long-term care rider

There’s never been a better time to help your clients stretch their life insurance dollar.

In tough economic times like these, clients look for every opportunity to maximize their money. Adding the Nationwide long-term care rider, for an additional cost, gives them the flexibility to help take care of long-term care expenses or their loved ones as planned — with just one policy.

Want more details on the smart value the Nationwide long-term care rider offers?

There's more to life insurance than you think (approved for client use)

Long-term care benefits are paid out as an accelerated death benefit (after a 90 day elimination period and after qualifying requirements are met) and are tax-free; the amount of the tax-free benefit is limited by the Health Insurance Portability and Accountability Act (HIPAA). The benefit will reduce both the death benefit and cash values dollar for dollar. Take care to make sure your clients’ life insurance needs continue to be met even if the rider pays out in full. There is no guarantee that the rider will cover the entire cost for all of the insured’s long-term care as these costs vary with the needs of each insured. Please see life insurance contract or product prospectus (as applicable) for more specific details.

Nationwide YourLife^SM ULtimate

Help clients put life into perspective.

Nationwide YourLife ULtimate offers permanent life insurance protection with guaranteed cash value growth tied to a fixed account.

Riders can be added to customize YourLife ULtimate to meet your clients’ specific needs, like long-term care or early access to part of the death benefit. This product also offers your clients the opportunity to choose which settlement options are available to their beneficiaries, for an added level of control.

Learn more about Nationwide YourLife ULtimate

Nationwide YourLife^SM Accumulation UL

Give clients permanent protection with conservative growth.

Nationwide YourLife Accumulation UL can help your clients reach their financial goals. It’s a reasonably priced way for clients with a low risk tolerance to get life insurance protection and the opportunity to accumulate cash value.

Nationwide YourLife^SM Single Premium UL

Quick solutions for wealth transfer and future planning.

YourLife Single Premium UL offers clients a tax-efficient wealth transfer strategy. Long-term care protection can be added for an additional cost.

Nationwide YourLife^SM Term

Life can be complicated. Protecting it shouldn’t be.

YourLife Term offers life insurance protection designed for low cost for as long as your clients need it — 10, 20 or 30 years — with rates guaranteed for the entire term. Plus your clients can convert their term policy to permanent life insurance if their needs change.

Nationwide YourLife^SM WL

Protect what matters most.

Whole life insurance can be an affordable and permanent form of life insurance protection that can help pay for final expenses or other financial needs.

YourLife WL offers premium rates, cash values and death benefits that are guaranteed (subject to Nationwide’s claims-paying ability).

Nationwide YourLife^SM SUL

Two lives. One legacy.

YourLife SUL is designed to be a low-cost, low-maintenance survivorship universal life insurance product.

It provides couples or business partners with death benefit protection payable upon the death of the second insured and offers a no-lapse guarantee (as long as the death benefit guarantee premium is met) and unique legacy, estate and business planning solutions.

Nationwide YourLife^SM Accumulation VUL

Solutions for sophisticated lives.

YourLife Accumulation VUL offers life insurance coverage with the potential to build assets for your retirement. The built-in overloan lapse protection rider also protects against policy lapse due to an outstanding loan balance. There are certain requirements to invoke this rider (please see product prospectus for details) and there is no charge until the rider is invoked.

Nationwide YourLife^SM Protection VUL

Death benefit protection with potential cash value growth.

YourLife Protection VUL gives your clients the flexibility of a VUL policy with the guarantee of optional and customizable death benefit protection with the purchase of the Extended Death Benefit Guarantee rider. Additional benefits or features can be added to your policy (usually for an additional fee) to help customize the policy to meet your specific needs.

It’s packaged with the Nationwide YourLife policy management program, a suite of services that makes it easier to sell and manage VUL policies.

Keep in mind that as your clients’ lives change, for example, through marriage, birth of a child or a job promotion, so will their life insurance needs. Make sure this type of product suits your clients’ long-term needs. They should weigh their objectives, time horizon and any associated costs before investing. Keep in mind that market volatility can lead to the possible need for additional premium on the policy. There are fees and charges for variable life insurance that vary with characteristics of the insured (such as gender, health and age) and underlying fund charges and expenses. There are additional charges for riders that customize a policy to fit your clients’ individual needs.

Nationwide YourLife^SM Underwriting

We don’t just claim to have exceptionally responsive underwriters – we put our number where our mouth is. Call us at 1-800-403-6296 and see for yourself.

YourLife underwriters are responsive to your questions and needs. They’re ready to offer Simpler Solutions for everyday underwriting challenges. Give them a try. Call them and see how fast they can help put life in order.

Variable products are sold by prospectus. Carefully consider the investment objectives, risks, charges and expenses that may apply before your clients invest. Give your client the prospectus because it contains this and other important information about the investment company. Your clients can also request a copy by writing to Nationwide Life Insurance Company, P.O. Box 182150, Columbus, OH 43218-2150. Your clients should read the product and underlying fund prospectuses carefully before investing.

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

Life insurance is issued by Nationwide Life Insurance Company, or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The general distributor is Nationwide Investment Services Corporation, member FINRA. In Michigan only: Nationwide Investment Svcs. Corporation.

Nationwide YourLife is a service mark of Nationwide Mutual Insurance Company

NFW-1621AO.4