Nationwide YourLife® Indexed Universal Life (IUL) Protector offers the affordable protection you need for your family, plus an opportunity for cash value growth and protection from market loss so you can plan for your future with confidence. Find out more about getting affordable permanent coverage, lifetime death benefit guarantee options and the potential for some cash value accumulation.

Who could benefit

Nationwide YourLife IUL Protector can be a good option for you if you’re:
  • Looking to replace term insurance or supplement employer insurance
  • Involved in legacy or estate planning
  • Seeking long-term care and living benefits

Key features of Nationwide YourLife Indexed UL Protector

Checkmark-small-Black-75  Permanent death benefit protection
Checkmark-small-Black-75  Income-tax-free death benefit
Checkmark-small-Black-75  Tax-deferred cash value growth

Checkmark-small-Black-75  Income-tax-free access to cash

Learn more about Nationwide YourLife Indexed UL Protector

Available riders & options for Nationwide YourLife Indexed UL Protector

Customize your universal life insurance policy to your specific needs.

Accelerated Death Benefit for Terminal Illness Rider

Get a one-time lump sum payment of a portion of your death benefit if you’re diagnosed with a terminal illness.

Children’s Term Insurance Rider

Get a one-time lump sum payment of a portion of your death benefit if you’re diagnosed with a terminal illness.

Long-term Care Rider

Use your death benefit to pay for long-term care.

Premium Waiver Rider

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

Waiver of Monthly Deductions Rider

Pays all monthly deductions while you’re disabled, after a 6-month waiting period.

Accidental Death Benefit Rider

Give your beneficiaries more money on top of your regular death benefit if your death is caused by an accident.

Extended No-Lapse Guarantee Rider

Includes an automated monitoring service to help you keep on track.

Overloan Lapse Protection Rider

Take loans and withdrawals without fear of your policy lapsing.

Spouse Rider

Get level term life insurance on your spouse.

Surrender Value Enhancement Benefit

Your surrender charges can be adjusted if your policy is surrendered during the first 4 years.

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Not sure if universal life is right for you? Compare all life insurance types.

Nationwide and Nationwide YourLife are service marks of Nationwide Mutual Insurance Company.

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.