This rider is optional and comes with a rider charge. It’s designed to help improve early-year cash value by spreading out the first-year premium charge over 10 years and is ideal for new policies involving large 1035 exchanges or significant first-year premiums.

Other details to note:

  • This rider is only available when the contract is issued, and the maximum issue age for the rider is 75 (the maximum issue age may be lower for some people based on their health status)
  • If premiums are paid in later years, there will continue to be a regular percent of premium charge

Available product

Nationwide Indexed UL Accumulator III
Protection for your loved ones, more tax-advantaged growth potential and the ability to lock in your investment gains.
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Optional riders that customize a policy to fit individual needs usually carry an additional charge and are available only through the purchase of variable universal life insurance products. Riders may be known by different names in different states and may not be available in every state.

Variable products are sold by prospectus. The product and underlying fund prospectuses contain this and other important information. Investors should read them carefully before investing. To obtain a product prospectus call 1-800-321-6064, contact an insurance professional or click on the prospectus link on nationwide.com.

Guarantees are subject to the claims-paying ability of the issuing life insurance company. They don't apply to the investment performance or safety of the underlying investment options. Underlying subaccounts are available only as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general public.
NFW-11097AO.5