You want to plan for the future. But where do you start? Protecting your family, securing a college education for your kids, saving for retirement and preparing for the possible need for long-term care all compete for your financial attention. With Nationwide® Variable Universal Life (VUL) Protector II, you’ll get a single solution to meet a variety of needs.
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What is Nationwide VUL Protector II?

Nationwide Variable Universal Life Protector II is first and foremost a permanent protection product, providing tax-deferred cash value growth potential and income tax-free death benefits paid to your beneficiaries.1

It also offers market potential and tax advantages you can’t get from other products. Our investment lineup features nationally recognized fund managers and around 50 investment options. VUL options range from simplified, low-maintenance asset allocation options to more involved specialty sector options. They are not publicly traded mutual funds and cannot be directly purchased by the public.

Please consider that asset allocation does not guarantee returns or eliminate the risk of potential losses. All investing involves risk, and there is no assurance that the investment objective of any fund will be achieved.

Nationwide and its representatives cannot give legal or tax advice. Please be sure to discuss any specific questions with your legal or tax professional.

Key features

Nationwide VUL Protector II is typically less expensive than our other VUL products and, and it offers many benefits for you and your loved ones:

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Income tax-free death benefits for your beneficiaries

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Tax-free cash value accumulation

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Around 50 investment options through nationally recognized fund managers and asset allocation options

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Comprehensive list of additional riders for you and your family

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Get the details about Nationwide Variable Universal Life Protector II.

Available riders & options

Customize your policy to your specific needs.

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.

Waiver of Monthly Deductions Rider

After a 6-month waiting period, it pays all monthly deductions while you’re disabled.

Premium Waiver Rider

If you become disabled, this rider credits a monthly premium to your policy after a 6-month elimination period.

Overloan Lapse Protection Rider II

Take loans and withdrawals without fear of your policy lapsing.

Extended No-Lapse Guarantee Rider

This rider guarantees the death benefit — even if the policy's cash value is depleted.

How to buy variable universal life insurance

You need to work with an insurance professional to buy this type of product. If you don’t have one, our life insurance specialists are here to help.

Give us a call today at 1-855-529-2729 for a no-obligation consultation.

Please read this important information

[1] The information regarding access to cash value assumes the contract qualifies as life insurance under Internal Revenue Code (IRC) Section 7702. Most distributions are taxed on a first-in/first-out basis as long as the contract remains in force and meets the non-MEC (modified endowment contract) definitions of IRC Section 7702A. But if it is a MEC, then any distributions you take from your policy will generally be taxable and subject to a 10% penalty tax if you’re 59½ or younger. If you choose to take loans or partial surrenders, the cash value and the death benefit payable to your beneficiaries will be reduced. Surrender charges may apply for early surrenders and partial surrenders. Surrenders may be subject to income tax.

Keep in mind that investing involves market risk, and your investment return, principal value and periodic payments will fluctuate over time. You could end up with more or less than the amount you invested.

Variable products are sold by prospectus. Carefully consider the investment objectives, risks, charges and expenses. The product and underlying fund prospectuses contain this and other important information. Investors should read them carefully before investing. To obtain a product prospectus, call 1-800-321-6064, contact an insurance professional or click on the prospectus link on

Investment options offered within the Variable Universal Life insurance products are subject to change, and there is no guarantee that the investment objectives will be achieved.

Optional riders that customize a policy to fit individual needs usually carry an additional charge and are only available through the purchase of a variable universal life insurance product. Riders may be known by different names in different states and may not be available in every state.

Guarantees are subject to the claims-paying ability of the issuing insurer. They do not apply to the investment performance or safety of the underlying investment options. Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies. They are NOT offered directly to the general public.