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  • Life...
  • Permanent
  • Indexed Universal

    • Nationwide Indexed UL Accumulator III

    Whether you’re concerned about protection for your family or planning for your future income, Nationwide® Indexed UL Accumulator III is designed to help.

    It’s permanent life insurance that will help protect your family members if you pass away. It also offers the opportunity for tax-advantaged growth through various indexed interest strategies, which can help enhance your income potential. And it helps to protect you against market losses so you can take control of your future.

    Created for people just like you

    If you want help protecting your loved ones and planning for your future income at the same time, consider investing in a Nationwide® Indexed UL Accumulator III policy.

    A family of four laughs as they decorate cupcakes together in their kitchen.
    Get the details about Nationwide® Indexed UL Accumulator III.

    Available riders and options

    Consider the riders and options available with Nationwide Indexed UL Accumulator III and customize your policy to fit your needs.

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

    Chronic Illness Benefit
    Request a portion of the death benefit early to help cover expenses for a chronic illness that’s expected to require substantial assistance for the rest of your life.

    Critical Illness Benefit
    Allows you to request a lump-sum benefit payment when you have been diagnosed with cancer, stroke or other critical illnesses.

    Terminal Illness Benefit
    Lets you receive some of the death benefit when you are diagnosed with a terminal illness resulting in a life expectancy of 12 months or less.

    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.


    Overloan Lapse Protection Rider II
    If you take extensive loans from your policy, this option can help 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 you should become disabled, this optional benefit waives all monthly deductions.

    Waiver of Premium Rider
    This optional benefit credits a monthly premium to your policy if you become disabled.

    How to buy indexed universal life insurance

    You need to work with an insurance professional to buy this type of product. If you don’t have one, our life insurance specialists are here to help.

    Call us today at 1-855-529-2729 for a no-obligation consultation.

    Talk to a specialist

    Life Insurance issued by Nationwide Life Insurance Company and/or Nationwide Life and Annuity Insurance Company.

    Guarantees are subject to the claims paying ability of Nationwide.

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

    Indexed universal life insurance policies are not stock market investments, do not directly participate in any stock or equity investments, do not receive dividend or capital gains participation. Past index performance of an index is no indication of future crediting rates.