Getting to know why Nationwide life insurance is so special

• We offer a fully digital experience allowing clients to apply in minutes without an exam and get an instant decision
• Available for ages 21 to 55, 10- and 20-year terms and death benefits from $250,000 to $1.5 million

• We provide affordable life insurance solutions to help clients protect their plans for their loved ones’ future
• 10-, 15-, 20- and 30-year terms are available, and we guarantee the rates won’t increase during their chosen term

Offers clients: Life insurance with the ability to accumulate cash value and supplement income in retirement tax-free 
Focus is on: Death benefit and cash accumulation 
Target market: Ages 35 to 55 
Index strategies: 
    5 traditional strategies
    6 uncapped volatility control strategies (includes 2 fixed credit options) 
Guarantee(s)⁴: Built-in 20-year guarantee 
Reward program⁵: 0.25% credit to cash value 
Important riders: 
    Long-Term Care 
    Chronic Illness 
    Critical Illness 
    Terminal Illness 
    Overloan Lapse Protection 

^{[4] The 20-year built-in guarantee is up to issue age 55; after that, the length of the guarantee varies by issue age. [5] To receive the Nationwide IUL Rewards Program® benefit, premium payments must meet or exceed a test of the net accumulated premium (premium paid minus any amounts taken as loans or partial surrenders) at the start of policy year 16; earlier for issue ages 51 or older. Once the requirement is met, the benefit is applied monthly — at an annualized rate of 0.20% from then on — as long as the policy is in force. The benefit is calculated every month by multiplying the accumulated value, minus any indebtedness, on the date of calculation by the credit percentage. The Nationwide IUL Rewards Program includes pro rata interest on any accumulated value taken from an index segment for loans or partial withdrawals.}

Offers clients: Low-cost life insurance coverage with the ability to guarantee the policy and add long-term care 
Focus is on: Death benefit 
Target market: Ages 45 to 70 
Index strategies: 5 traditional strategies based on 2 indexes: S&P 500® and Nationwide’s Multi-Index Monthly Average 
Guarantee(s)⁴: Our Extended No-Lapse Guarantee Rider guarantees the death benefit even if the cash value drops. Guarantees are available to ages 90 and 120, so the policy can be tailored to a client’s specific needs without unnecessary charges 
Reward program⁶: 25% discount that starts in policy year 21 if eligibility requirements are met 
Important riders: 
    Extended No-Lapse Guarantee 
    Long-Term Care 
    Chronic Illness 
    Critical Illness 
    Terminal Illness 

^{[4] The 20-year built-in guarantee is up to issue age 55; after that, the length of the guarantee varies by issue age. [6] The amount of premium required is determined when your policy is issued. We keep track, or “test,” the total premium accumulated (minus any loans or withdrawals) and let you know via the annual statement whether you are on track to be eligible for the benefit. If needed, catch-up premiums can be paid with no interest. If the test is satisfied at the start of policy year 35, testing will continue using the test amount as of that date. If the test isn’t satisfied at the start of policy year 35, testing will end and no further reductions will be given. If policy changes are made, the accumulated premium test amount may change. The Nationwide IUL Rewards Program is available only if death benefit option 1 is elected at the time of policy issue and never changed. Your Nationwide IUL Rewards Program status is reported in the policy’s annual statement.}

Focus is on: Death benefit or cash accumulation 
Target market: Ages 40 to 70 
Funds: 70+ funds 
Index strategies: 5 traditional strategies 
Guarantee(s)⁴: Built-in 20-year guarantee and the ability to add a guaranteed rider that is dialable up to age 120 
Reward program⁶: 15% discount to the cost of insurance 
Important riders: 
    Extended No-Lapse Guarantee 
    Long-Term Care on Survivorship 

^{[4] The 20-year built-in guarantee is up to issue age 55; after that, the length of the guarantee varies by issue age. [6] The amount of premium required is determined when your policy is issued. We keep track, or “test,” the total premium accumulated (minus any loans or withdrawals) and let you know via the annual statement whether you are on track to be eligible for the benefit. If needed, catch-up premiums can be paid with no interest. If the test is satisfied at the start of policy year 35, testing will continue using the test amount as of that date. If the test isn’t satisfied at the start of policy year 35, testing will end and no further reductions will be given. If policy changes are made, the accumulated premium test amount may change. The Nationwide IUL Rewards Program is available only if death benefit option 1 is elected at the time of policy issue and never changed. Your Nationwide IUL Rewards Program status is reported in the policy’s annual statement.}

Offers clients: Life insurance with the ability to accumulate cash value and supplement income in retirement tax-free 
Focus is on: Cash accumulation 
Target market: Ages 35 to 60 
Index strategies:
    9 uncapped volatility control strategies based on the S&P 500®, JP Morgan Mozaic II and NYSE® Zebra Edge indexes (includes the innovative High Par 5 index) 2 traditional strategies 
Guarantee(s)⁴: Built-in 20-year guarantee 
Reward program⁸: 0.30% credit to cash value 
Important riders: 
    Long-Term Care 
    Chronic Illness 
    Critical Illness 
    Terminal Illness 
    Overloan Lapse Protection 

^{[4] The 20-year built-in guarantee is up to issue age 55; after that, the length of the guarantee varies by issue age. [7] This product is limited by distribution. [8] Net accumulated premium (total premium paid minus any policy loans, unpaid loan interest, and partial withdrawals) must equal or exceed the required premium amount at the start of policy year 16. The required premium is set at issue but may change if policy changes are made.}

Offers clients: Life insurance with the ability to accumulate cash value and supplement income in retirement tax-free 
Focus is on: Cash accumulation 
Target market: Ages 35 to 55 Funds: 70+ funds 
Index strategies: 3 index strategies 
Guarantee(s)⁴: Built-in 20-year guarantee 
Reward program⁹: 0.40% credit to cash value 
Important riders: 
    Long-Term Care 
    Chronic Illness 
    Critical Illness
    Terminal Illness 
    Overloan Lapse Protection

^{[4] The 20-year built-in guarantee is up to issue age 55; after that, the length of the guarantee varies by issue age. [9] The amount of the accumulated premium test may change if policy changes are made. If needed, you can “catch up” on the premium payments required for the program with no interest charges. If the required premium for the program is not received by the eligibility date, the contract may continue, but the Nationwide VUL Rewards Program will no longer be available. Your Nationwide VUL Rewards Program status is reported in the policy’s annual statement.}

Offers clients: Low-cost life insurance coverage with the ability to guarantee the policy and add long-term care 
Focus is on: Death benefit 
Target market: Ages 45 to 70 
Funds: 50+ funds 
Index strategies: N/A 
Guarantee(s)⁴: Built-in 20-year guarantee and ability to add a guaranteed rider that is dialable up to age 120 
Reward program¹⁰: 25% discount to cost of insurance 
Important riders: 
    Extended No-Lapse Guarantee 
    Long-Term Care 
    Chronic Illness 
    Critical Illness 
    Terminal Illness 

^{[4] The 20-year built-in guarantee is up to issue age 55; after that, the length of the guarantee varies by issue age. [10] If needed, you can catch up on the premium payments required for the program with no interest charges. If the net accumulated premium test is satisfied at the start of policy year 35, testing will continue using the test amount as of that date. If the test isn’t satisfied at the start of policy year 35, testing will end and no further reductions will be given. If policy changes are made, the net accumulated premium test amount may change. The Nationwide VUL Rewards Program is available only if death benefit option 1 is elected at the time the policy is issued and never changed. Your Nationwide VUL Rewards Program status is reported in the policy’s annual statement. Guarantees are subject to the claimspaying ability of the issuing life insurance company.}

Offers clients: Guaranteed life Insurance for a term and the ability to invest above the minimum premium for cash accumulation; many life insurance charges are waived 
Focus is on: Low-cost life insurance protection with cash accumulation 
Target market: Ages 40 to 60 
Funds: 140+ funds 
Index strategies: 2 index strategies 
Guarantee(s)⁴: Built-in guarantee to age 60, 65, 70 or for 5 years 
Reward program: N/A 
Important riders: 
    Long-Term Care 
    Chronic Illness 
    Critical Illness 
    Terminal Illness 
    Overloan Lapse Protection 
 

^{[4] The 20-year built-in guarantee is up to issue age 55; after that, the length of the guarantee varies by issue age. 
This product is limited by distribution.}

• We help individuals plan for the long-term care coverage they might need
• A variety of options help them customize the policy to meet their needs¹²

• We provide a shared pool of LTC benefits for couples
• This helps remove the guesswork over how much coverage to purchase for each one
• It’s the first joint cash indemnity linked benefit product in the industry¹⁴

• We offer policyowners the ability to use their LTC coverage if they need it or to provide an income tax-free death benefit to their beneficiaries if they don’t
• It’s available on most permanent life insurance products at Nationwide

• This service helps simplify the process of finding the right kind of care, and we make it available at no charge to clients who have Nationwide life insurance with long-term care coverage
• They’ll learn about LTC, estimate costs and explore partner offers that can help them enjoy healthy and independent living for as long as possible
• Clients can also invite loved ones and caregivers to access the full site¹⁴

This lets clients request a portion of the death benefit if they’re diagnosed with a permanent chronic illness.

This lets clients request a portion of the death benefit if they’re diagnosed with a critical illness such as a heart attack or cancer.

This lets clients request a portion of the death benefit if they’re diagnosed with a terminal illness.