• Nationwide YourLife Protection VUL
• Nationwide YourLife Accumulation VUL
• Nationwide YourLife Survivorship VUL

Your Situation

• Final Expenses
• College / Kid's Education
• Life Insurance as an Asset
• Leave Money to a Charity
• Portable Life Insurance
• Leave Money to my Heirs Instead of IRS
• Long Term Care Situation
• Mortgage Protection
• Small Business Owner

Insurance Resource Center

• Claims Resources
• Vehicle Insurance Resources
• Property Insurance Resources
• Life Insurance Resources
• Specialty Health and Travel Insurance Resources
• More...

Variable Universal Life Insurance from Nationwide

With variable universal life insurance, you can make changes to your coverage as your needs change, and you may have flexibility in your payment amounts as long as there is sufficient cash value to cover monthly charges.

Want to learn more?

• 5-minute guide to variable universal life insurance (PDF)
• Choosing a beneficiary
• Fees and charges

Advantages and Disadvantages

With a variable universal life policy, you can take advantage of potential economic growth because your policy value is invested in the stock market. Your policy also has the flexibility to adjust to your changing needs. Underlying sub-accounts are only available as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general public.

However, it also puts greater responsibility on you − you assume the investment and mortality risks, and you select and monitor your own underlying investment options, instead of the insurance company doing it for you.

Your insurance needs may change if your personal situation changes, for example if you get married, have a child or get a promotion. Make sure that these strategies and products are suitable for your long-term life insurance needs. Also, make sure you are able to continue premium payments so your policy doesn’t lapse if the market goes down. If you take a loan, withdrawal or partial or whole surrender your death benefit may be reduced, your policy may lapse or you may face tax consequences.

There are fees and charges for variable life insurance, including a cost of insurance based on characteristics of the insured person such as gender, health and age. There may also be underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.

Variable products are sold by prospectus. You can obtain the product prospectus and underlying fund prospectuses by writing to Nationwide Life Insurance Company, P.O. Box 182021, Columbus, OH 43218-2021. Before you invest, you should read the prospectus carefully and consider investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Investing involves risk.

Variable universal life insurance products

• Nationwide YourLife^SM Protection VUL  
• Nationwide YourLife^SMAccumulation VUL
• Nationwide YourLife^SMSurvivorship VUL

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

Don't see your Nationwide^® or The Best of America^® variable universal life product listed above? Find it here

Guarantees and protections are subject to Nationwide's claims-paying ability. They do not apply to the investment performance or safety of the underlying investment options. Life insurance is issued by Nationwide Life Insurance Company, or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

Investment products are not FDIC-insured, may lose value and have no bank guarantee.

PDFs require Adobe^® Reader^®