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 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:

Heart-outline-teal  Take care of your loved ones

Home1-outline-teal  Plan for a legacy or estate

Stethoscope-outline-teal  Find long-term care and living benefit solutions

PiggyBank-outline-teal  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

Accelerated Death Benefit for Terminal Illness Rider

Allows you to receive some of the 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.

Long-term Care Rider

Accelerates your death benefit to help pay for long-term care expenses.

Premium Waiver Rider

Credits a monthly premium to your policy in case you become disabled.

Surrender Value Enhancement Benefit

Helps offset the surrender charges on corporate-owned policies (not available through all distributors).

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

Helps to protect heavily loaned policies from lapsing.

Spouse Rider

Term coverage for your spouse.

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.