Introducing Nationwide Indexed UL Accumulator III

When you’re helping moderate investors who need death benefit protection and tax-advantaged accumulation for the future, let us help you with Nationwide® Indexed UL Accumulator III.

Get in touch with a wholesaler

Helping your clients feel more confident
We designed Nationwide Indexed UL Accumulator III to keep costs low, offer more growth potential and help your clients feel more confident about achieving their goals.

Get client brochure

A married couple smiles while walking through their neighborhood together.

Nationwide Indexed UL Accumulator III is an individual index-linked universal life insurance contract that offers life insurance protection and the potential for cash value accumulation. References to retirement income are not intended to imply that this product is a retirement plan or that is an alternative to qualified retirement plans. References to retirement income are meant to explain that clients may regularly access the policy’s cash value through partial surrenders and loans. In certain situations, this option may be beneficial for a client as supplemental retirement planning or savings.

Offer a diverse and modernized selection of index strategies

With Nationwide Indexed UL Accumulator III, your clients have the flexibility to choose from a range of indexed interest strategies:

S&P 500®

1-Year S&P 500® PtP
1-Year S&P 500® PtP Uncapped
2-Year S&P 500® PtP Uncapped

Multi-Index

1-Year Multi-Index Monthly Avg.
1-Year Multi-Index Monthly Avg. High Cap

Nasdaq-100®

1-Year Nasdaq-100® Monthly Avg.
1-Year Nasdaq-100® PtP Uncapped
2-Year Nasdaq-100® PtP Uncapped

BNPP Global H-Factor®

1-Year BNPP Global H-Factor® PtP Uncapped High Par
1-Year BNPP Global H-Factor® PtP Uncapped High Par Select

Review the details

Give clients more control over their policy’s growth potential

Growth potential is a high priority with Nationwide Indexed UL Accumulator III, and we included these key features to help your clients get the most out of it.

Enhanced Dollar Cost Averaging
Enhanced Dollar Cost Averaging

When their policy is issued, your clients can put their initial premium, including 1035 exchanges, into a fixed interest strategy and have it systematically transferred into their chosen index strategies over the first 12 months:

This helps to lower their risk of investing at a high point

We’ll pay a higher fixed interest rate — currently 8% — that is locked in for 1 year

Review the details
Performance Lock Feature
Performance Lock Feature

This will help your clients keep their index gains and perhaps worry less about the impact that market volatility can have:

Prior to beginning their index segment, they’ll choose a target Performance Lock Percentage

If the index gains reach or surpass that percentage at market close, we’ll use the index value for that day as their ending value for the year

Important to remember:

The true ending value for the index segment could be lower or higher than their locked-in value

If the index segment never reaches their Performance Lock Percentage, we’ll use the true ending value

We’ll still credit the interest to their cash value at the end of the segment, regardless of when the value locks in

The Performance Lock Percentage is based on the index’s raw performance, and all other interest crediting parameters, such as the participation rate, spread and floor percentage, will factor in after the chosen percentage

Review the details

Example with the Performance Lock set at 14%
INDEX GOES LOWER AFTER LOCK-IN

The true ending value for the index segment was lower, so the interest credited would have been less without the Performance Lock.

INDEX GOES HIGHER AFTER LOCK-IN

The true ending value for the index segment was lower, so the interest credited would have been more without the Performance Lock.

Tailor a policy to fit what your clients need

Nationwide Indexed UL Accumulator III offers a variety of riders to allow your clients to customize their coverage:

Adjusted Premium Charge Rider: To help improve early-year cash value, this spreads the first-year premium charge over 10 years and is ideal for large 1035 exchanges or significant first-year premiums.

Change of Insured Rider: This gives an employer the opportunity to change the insured on a corporate-owned policy.

Guaranteed Interest Accumulated Value Feature: This is automatically included and offers a 2% guaranteed cash value growth rate upon surrender or death.

Living access benefits: These are available to your clients and give them access to their death benefit early if they’re diagnosed with a chronic illness, a critical illness or a terminal illness.

Long-Term Care Rider II: This rider allows clients to access their death benefit early in order to pay for qualifying long-term care expenses.

Overloan Lapse Protection Rider II: If your clients take extensive loans from their policy, this option helps to protect it from lapsing.

Surrender Value Enhancement Rider: This optional benefit is used to waive all or part of the surrender charges on premiums paid in the early years of the policy.

Waiver of Monthly Deductions Rider: If clients become disabled, this optional benefit waives all monthly deductions.

Waiver of Premium Rider: This optional benefit credits a monthly premium to the policy if clients become disabled.

Protection, performance and achieving your clients’ goals

Offer a diverse and modernized selection of index strategies

Give clients more control over their policy’s growth potential

Tailor a policy to fit what your clients need

We’re here to help