When it comes to planning for the future, accumulation is important. But you also need to protect what you already have.

Get a healthy balance of both with Nationwide Indexed Universal Life (IUL) Accumulator II. It offers life insurance protection for your family, with strategies and tax advantages for more cash value and income potential. It also allows you to participate in potential market growth while protecting you against market losses - so you can take control of your future.

Who could benefit

Nationwide IUL Accumulator II can be a good option for you if you’re looking to:
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Key features of Nationwide IUL Accumulator II

  • Income tax-free death benefit to help protect your family
  • Multilayered tax protection to help grow your income
  • Greater income potential
  • An easy process to set up income payments
  • Optional riders to customize your policy to fit your needs
  • Convenient services to help you manage your policy and get the most from it

Available riders & options for Nationwide IUL Accumulator II

Customize your policy to your specific needs.

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.

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.