Do you need life insurance and have a desire to build assets for your retirement? If so, Nationwide YourLife Accumulation VUL may be right for you. Get flexible life insurance protection and investment potential for future growth.

Benefits of variable universal life insurance

Our flexible premium life insurance can help with:

  • Insurance-based retirement planning
  • Supplemental investing
  • Business planning
  • Long-term care costs
  • Legacy or estate planning

Nationwide YourLife Accumulation VUL offers permanent life insurance protection and optional riders that can customize your policy. You can potentially build cash value to use for retirement income or other expenses that come up along the way.1

Riders are available for an additional cost and may not be available in all states. Keep in mind that investing involves market risk, including possible loss of principal.

Available riders & options

Customize your variable universal life insurance policy to your specific needs.

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

Get the death protection you need, while having the opportunity to grow the cash balance of your life insurance policy.

Change who’s insured on your life insurance policy.

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

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

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

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

Maximize the initial investment in your policy by spreading the sales load charge over a select number of years.

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

Get level term life insurance on your spouse.

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

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

Please read this important information

Guarantees and protections are subject to Nationwide's claims-paying ability. They don't apply to the investment performance or safety of the underlying investment options. Underlying sub accounts are only available as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general public.

Nationwide YourLife is a service mark of Nationwide Mutual Insurance Company.

[1] Access to your money – This assumes that the contract qualifies as life insurance under section 7702 of the Internal Revenue Code (IRC) and is not a modified endowment contract (MEC) under section 7702A. Most distributions are taxed on a first-in/first-out basis as long as the contract meets non-MEC definitions under section 7702A. Loans and partial withdrawals from a MEC generally are taxable and, if taken prior to age 59½, may be subject to a 10% tax penalty. Unpaid loans will reduce the cash value and death benefit payable, and if the policy lapses with a loan outstanding, it will be treated as a distribution and may be subject to income tax.

Policy/Certificate: NWLA-440-AO
Oklahoma Policy/Certificate: NWLA-440-OK
Riders/Endorsements: NWLA-412, NWLA-414, NWLA-415, NWLA-416, NWLA-417, NWLA-419, NWLA-420, NWLA-421, NWLA-423, NWLA-229, NWLA-317, NWLA-318
Oklahoma Riders/Endorsements: NWLA-412-OK, NWLA-414, NWLA-415, NWLA-416, NWLA-417, NWLA-419, NWLA-420-OK, NWLA-421-OK, NWLA-423, NWLA-229-35, NWLA-315-35, NWLA-318-35