Nationwide YourLife^SM WL

What’s more important than the lives of those who depend on you? If something were to happen to you, you would want everything to be in order for them to go on. With Nationwide YourLife^SM WL, you can be confident that you've done what’s right for you and them.

As your personal situations change (e.g., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your 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 your individual needs.

What is Nationwide YourLife^SM WL?

Nationwide YourLife^SM WL is a whole life insurance product. It offers traditional permanent life insurance — that is, it provides lifetime coverage, as long as you pay your premium when it’s due.

There are two payment options:

• WL 100 — Premiums are the same until they stop when you turn 100
• 20-pay WL — Premiums are the same until the policy is paid after 20 years

 What are the benefits?

 The biggest benefits of Nationwide YourLife^SM WL include:

• Permanent protection
• Predictable, level premiums
• Ability to customize policy with riders for an additional charge
• Guaranteed cash value and death benefits
• Access to your money through loans (for an additional charge, certain restrictions apply)
• Income tax-free death proceeds

Unlike term life insurance, which does not accumulate any cash, some of the money you pay into your whole life policy is guaranteed to grow. The death benefit may make whole life insurance a good choice for protecting your assets (like your house or business) from loss, or to take care of your final expenses.

And, Nationwide YourLife^SM WL lets you take care of your family in ways you may never have thought of. For example, you can help your child (or grandchild) get a head start with a YourLife^SM WL policy. You can lock in a low rate while the child is young. Later, they may be able to use the cash value for tuition, a down payment on a house or other needs.

For more information on each product type, please click on the link to go to the product’s home page.

Want to learn more?

• Getting to know Nationwide YourLife WL (PDF)
• Protecting your family may be easier than you think (PDF)
• The Meaning of Life (Insurance) (PDF)
• Fees and charges

 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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