Whether you’re concerned about protecting your family or building accumulated value for future needs, Nationwide® Survivorship Indexed UL is designed to help.

It’s permanent life insurance on two people that helps protect your family by paying a death benefit when the second insured passes away. This product helps with estate planning and wealth transfer. And because it’s life insurance, it offers multiple tax advantages, including an income tax-free death benefit and tax-advantaged growth potential through various indexed interest strategies.

With Nationwide Survivorship Indexed UL, your money is never actually invested in the market. You’re protected with a guaranteed minimum interest rate in the fixed account and a guaranteed minimum floor rate in the indexed interest strategies. There is also the ability to select a Long-Term Care Rider on survivorship on one or both insureds.

Who could benefit

Nationwide Survivorship Indexed UL can be a good option for you if you’re looking to:

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Key features of Nationwide Survivorship Indexed UL

  • Potentially able to insure two people for less
  • Plan for legacy or estate
  • Find Long-term care solutions
  • Access to accumulated cash value of your policy
  • Income tax-free death benefit to help protect your family
  • Multi-layered tax protection to help grow your income

Available riders for Nationwide Survivorship Indexed UL

Customize your policy to your specific needs.

Long-term Care Rider on survivorship

Accelerates your death benefit to help pay for long-term care expenses for one or both insureds.

Policy Split Option Rider

In case circumstances change you have the ability to split the policy into two individual ones.

Overloan Lapse Protection Rider

Helps to protect heavily loaned policies from lapsing.

Estate Protection Rider

Help protect your clients from additional estate taxes in cases where the policy is owned by the clients while thetrust is being established.

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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.