Universal Life Insurance
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Permanent Protection with Universal Life Insurance

Universal life insurance provides permanent life insurance protection and access to tax-deferred cash values. We offer two types of universal life insurance, fixed and flexible.

Fixed Premium Universal Life

Fixed premium universal life insurance offers protection, however policy provisions cannot be changed after the policy has been issued.

Nationwide long-term care coverage

Nationwide CareMatters®

This is long-term care coverage linked to a fixed universal life insurance policy that also provides a death benefit.

Flexible Universal Life Insurance

The major advantage of UL is flexibility: you can change the protection level of the policy (within bounds) and you control the amount of frequency of payments (again, within bounds). 

This life insurance offers protection for your family and strategies for leaving a legacy to them. It can also help small business owners with continuation planning.

Nationwide universal life insurance

Products may not be available in all states.

Find out more in our 5-Minute Guide to Universal Life Insurance.


Some other things to know about universal life insurance

A flexible premium universal life insurance policy has the flexibility to adjust to your changing needs.

Your policy's cash value earns interest based on a contractually-stated financial index (or a blend of indices), and this growth is tax-deferred. You can access your cash value almost anytime.1

Keep in mind that as your life changes (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Take care to ensure universal life insurance is suitable for your long-term 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 based on the insured person’s sex, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

NFW-3226AO, NFW-3524AO

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