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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
- 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.
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.
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.
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.
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.
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.