• Nationwide YourLife Indexed UL
• Nationwide YourLife ULtimate
• Nationwide YourLife SUL II
• Nationwide YourLife Accumulation UL
• Nationwide YourLife Single Premium UL

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Universal Life Insurance from Nationwide

Universal life insurance offers a fixed interest rate and guarantees that your life insurance coverage will be around as long as you will be, as long as necessary premiums are paid.

With universal life insurance, you can provide a permanent death benefit to those who depend on you while earning cash value.

Want more universal life insurance information?

• 5-Minute Guide to Universal Life insurance With No-lapse Guarantee (PDF)
• Fees and charges
• Choosing a beneficiary

Advantages and disadvantages

A universal life insurance policy has the flexibility to adjust to your changing needs.

Your policy's cash value earns interest based on the company's current interest rate, and this growth is tax-deferred. You can access your cash value almost anytime.¹

As your personal situations change (i.e. marriage, birth of a child or job promotion), so will your life insurance needs. Take care to ensure universal life insurance is suitable for your long-term 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 based on the insured person’s sex, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Universal life insurance products

Products may not be available in all states.

• Nationwide YourLife^® Indexed UL
• Nationwide YourLife^® No-Lapse Guarantee UL
• Nationwide YourLife^®SUL II
• Nationwide YourLife^® Current Assumption UL
• Nationwide YourLife^® Single Premium UL

Already own a universal life insurance product? Log in to see your account information.

¹Assumes contract qualifies as life insurance under Internal Revenue Code (IRC) Section 7702. Most distributions are taxed on a first-in/first-out basis as long as the contract remains in force and meets the non-MEC (Modified Endowment Contract) definitions of IRC Section 7702A. Loans and partial surrenders from a MEC will generally be taxable, and if taken prior to age 59½, may be subject to a 10% tax penalty. Loans and partial surrenders will reduce cash value and any death benefits payable.

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

Guarantees and protections are subject to Nationwide's claims-paying ability. Life insurance is issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

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