Protecting your family and planning for the future can be stressful – especially with stock market and fixed interest rate uncertainty. But it doesn’t have to be that way. Nationwide Indexed Universal Life Protector II 2020 (Nationwide IUL Protector II) is cost-efficient, permanent, fixed life insurance that offers the benefits and features needed to address a wide range of needs.
Who could benefit
The Nationwide Indexed Universal Life (IUL) Protector II can be a good option for you if you’re looking to:
Take care of your loved ones
Plan for a legacy or estate
Find long-term care and living benefit solutions
Access the cash value of your policy
Available riders & options for Nationwide IUL Protector II
Long-term Care Rider
Accelerates your death benefit to help pay for long-term care expenses.
Chronic Illness Rider
Allows you to request a portion of your death benefit early if diagnosed with a permanent chronic illness.
Critical Illness Rider
Allows you to request a portion of your death benefit early if diagnosed with a critical illness, such as a heart attack or cancer.
Terminal Illness Rider
Allows you to request a portion of your death benefit early if diagnosed with a terminal illness.
Children’s Term Insurance Rider
Term coverage for all your children, even the ones to come later in life.
Premium Waiver Rider
Credits a monthly premium to your policy in case you become disabled.
Accidental Death Benefit Rider
Provides additional coverage in the case of a death due to an accident.
Extended No-Lapse Guarantee Rider
Extends the length of the death benefit guarantee on your policy – up to your entire lifetime.
Overloan Lapse Protection Rider II
Helps to protect heavily loaned policies from lapsing.
Waiver of Monthly Deductions Rider
Waives all monthly deductions if you become disabled.
 Riders’ availability varies by state, and they may be known by other names; they also may include additional charges.
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.