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Life Insurance Protection That Stays With You

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

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.

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How Much Life Insurance Do You Need?

Use our tool to find the right amount for your budget and your peace of mind.

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4 Types of Life Insurance

Find the right insurance for your situation. Compare term, whole, universal and variable 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.

Please read this important information

Guarantees and protections are subject to Nationwide’s claims-paying ability. Life insurance is issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

1 This assumes contract qualifies as life insurance under Internal Revenue Code (IRC) Section 7702. Most distributions are taxed on a first-in/first-out basis as long as the contract remains in force and meets the non-MEC (Modified Endowment Contract) definitions of IRC Section 7702A. Loans and partial surrenders from a MEC will generally be taxable. If taken prior to age 59½, they may be subject to a 10% tax penalty. Loans and partial surrenders will reduce cash value and any death benefits payable.

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How to Choose a Beneficiary

Learn what you should consider before you make this important choice.

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Why Buy Life Insurance?

Discover some of the ways life insurance can help protect you and your family.

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This material is not a recommendation to buy, sell, hold, or rollover any asset, adopt an investment strategy, retain a specific investment manager or use a particular account type. It does not take into account the specific investment objectives, tax and financial condition or particular needs of any specific person. Investors should work with their financial professional to discuss their specific situation.

Life and annuity products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Company, Columbus, Ohio. The general distributor for variable products is Nationwide Investment Services Corporation, member FINRA. The Nationwide Retirement Institute is a division of NISC. Nationwide Funds distributed by Nationwide Fund Distributors, LLC, Member FINRA, Columbus, OH. Nationwide Life Insurance Company, Nationwide Life and Annuity Company, Nationwide Investment Services Corporation, and Nationwide Fund Distributors are separate but affiliated companies.

The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities issued by Nationwide Life Insurance Company. It also includes trust programs and trust services offered by Nationwide Trust Company, a division of Nationwide Bank ® .

Nationwide, the Nationwide N and Eagle, The Nationwide Retirement Institute, Nationwide is on your side and Nationwide Funds Group are service marks of Nationwide Mutual Insurance Company. Let’s Face it Together is a service mark of Nationwide Life Insurance Company.

©2017 Nationwide Mutual Insurance Company and affiliated companies


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