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.