When it comes to planning for the future, accumulation is important. But you also need to protect what you already have. Get a healthy balance of both with Nationwide YourLife® Indexed Universal Life (IUL) Accumulator. It offers you strategies and features for more cash value and income potential while protecting you against market loss.

Who can benefit

The Nationwide YourLife IUL Accumulator option may benefit you if you’re:
  • Looking to supplement retirement income/savings
  • Involved in executive benefits and business planning
  • Seeking long-term care and living benefits

This product is designed for people like you seeking permanent coverage with the opportunity for higher return on cash value to supplement retirement income. Nationwide YourLife IUL Accumulator is fixed life insurance that offers you the same core benefits as traditional universal life insurance products, including permanent death benefit protection, income-tax-free death benefit, tax-deferred cash value growth, income-tax-free access to cash.

Key features of Nationwide YourLife IUL Accumulator

checkmark  Strategies for leaving a legacy for your family, a charity or other beneficiary
checkmark  Protection for your family, including dependents with lifetime special needs
checkmark  Coverage if one partner is considered uninsurable

checkmark  Continuation planning for small business owners

Learn more about Nationwide YourLife IUL Accumulator

Available riders & options for Nationwide YourLife IUL Accumulator

Customize your policy to your specific needs. Your IUL accumulator can be tailored to you using the following riders and other options.

Accelerated Death Benefit for Terminal Illness Rider

Get a one-time lump sum payment of a portion of your death benefit if you’re diagnosed with a terminal illness.

Additional Term Insurance Rider

Get the death protection you need, while having the opportunity to grow the cash balance of your life insurance policy.

Overloan Lapse Protection Rider

Take loans and withdrawals without fear of your policy lapsing.

Spouse Rider

Get level term life insurance on your spouse.

Waiver of Monthly Deductions Rider

Pays all monthly deductions while you’re disabled, after a 6-month waiting period.

Accidental Death Benefit Rider

Give your beneficiaries more money on top of your regular death benefit if your death is caused by an accident.

Change of Insured Rider

Change who’s insured on your life insurance policy.

Long-term Care Rider

Use your death benefit to pay for long-term care.

Premium Waiver Rider

If you become disabled, this rider credits a monthly premium to your policy after a 6-month elimination period.

Surrender Value Enhancement Benefit

Your surrender charges can be adjusted if your policy is surrendered during the first 4 years.

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Not sure if universal life is right for you? Compare all life insurance types.

Nationwide and Nationwide YourLife are service marks of Nationwide Mutual Insurance Company.

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.