• Riders and Options

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

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Nationwide YourLife^® Indexed UL

In today’s economy, you want protection from market volatility – but when you choose a conservative product that protects your money, you can lose out on the growth potential that can result from a market upswing. What if you could have the protection you need without giving up the potential for growth of your money – all while not being invested in the market? With Nationwide YourLife Indexed Universal Life, you could have both.

Indexed Universal Life, or IUL, protects you like a traditional universal life policy, with a guaranteed death benefit. But while traditional universal life only credits a fixed interest rate to your cash value, IUL also offers an interest crediting strategy whereby the interest credited to your policy is based on the measured performance of three market indexes. Indexed universal life policies are not stock market investments and do not directly participate in any stock or equity investments and helps protect you from market losses.

Watch our video for a detailed explanation of how your interest is calculated.

So if you’re looking for life insurance protection and want to take advantage of positive market performance for the potential of greater interest crediting, talk to your insurance professional about IUL. It can help you meet a variety of income planning needs while keeping your loved ones protected.

Riders and options

Fees and charges

Client brochure (PDF)

Neither the company nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions.

Guarantees 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.

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

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