You've accomplished a lot. You worked. You saved. You made sacrifices and showed discipline. Ultimately, you want to share your good fortune with your family without forfeiting access to your money. But how?

With a Nationwide No-Lapse Guarantee UL II universal life insurance policy, you can enjoy the fruits of your labor, as well as establish a lasting legacy for your loved ones.

What is Nationwide No-Lapse Guarantee UL II?

This ultimate universal insurance policy offers affordable, guaranteed protection that can be customized to meet your specific needs today, while still being flexible enough to evolve as your needs change.

Benefits of universal life insurance

With Nationwide No-Lapse Guarantee UL II you can:

  • Replace income with an income tax-free death benefit
  • Pass wealth to children, grandchildren or charitable organizations
  • Help cover estate taxes, estate settlement fees and medical bills
  • Help maintain financial independence through access to cash
  • Set up a buy-sell agreement to protect your business
  • Establish a Charitable Remainder Trust
Keep in mind that taking money from your policy will immediately reduce the cash value and death benefit and can lead to the need for additional premiums to be added into the policy in the future.

Key features of Nationwide No-Lapse Guarantee UL II

  • Provides a return of premium feature that lets you recover a portion of your premium if you no longer want coverage.
  • The option to have coverage up to typical retirement age or for life.
  • An accelerated death benefit long-term care rider can be paired with this policy in nearly all states; it offers a cash indemnity payout designed to provide flexibility of care, including the ability to pay for informal care while staying in the comfort of your own home.

Learn more about Nationwide No-Lapse Guarantee UL II

Available riders & options

Learn how you can 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.

Accidental Death Benefit Rider

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

Children’s Term Insurance Rider

Get a life insurance benefit if any of your children pass away.

Long-term Care Rider

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

Waiver of Monthly Deductions Rider

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

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

Please read this important information

Neither the company nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions.

Guarantees are subject to Nationwide's claims-paying ability. Nationwide YourLife is a service mark of Nationwide Mutual Insurance Company.

Policy: ICC18-NWLA-570

Riders/Endorsements: ICC18-NWLA-581, ICC18-NWLA-571, ICC18-NWLA-574, ICC13-NWLA-495, NWLA-412-AO, NWLA-421-AO, ICC16-NWLA-523