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:

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Take care of your loved ones

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Plan for a legacy or estate

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Find long-term care and living benefit solutions

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Access the cash value of your policy

Key features of Nationwide IUL Protector II

  • Income tax-free death benefit to protect your loved ones
  • Multilayered tax protection to help grow your savings
  • The Long-Term Care (LTC) Rider II to help cover LTC expenses as you see fit
  • Greater cash value potential to help protect you from down markets
  • Optional riders to customize your policy to fit your needs1
  • Convenient services to help you manage your policy and get the most from it

Learn more about Nationwide YourLife Indexed UL Protector

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.

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

[1] 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.