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Variable Universal Life Insurance From Nationwide

Variable Universal Life Insurance From Nationwide


You want to plan for the future. But where do you start? College education for your kids, your retirement and the possible need for long-term care all compete for your financial attention.

With Nationwide YourLife Protection VUL insurance, you get a flexible life insurance solution that's as good at multi-tasking as you are.

What is Nationwide YourLife Protection VUL?

It's variable universal life insurance. YourLife Protection VUL gives you the potential to protect your family and invest for the future at the same time.

VUL is first and foremost a permanent protection product. For example, VUL provides tax-deferred cash value growth potential and income tax-free death benefits. These benefits are paid to beneficiaries and, if properly structured, estate-tax free as well.

But it also offers clients market potential and tax advantages they can't get from other products. Our investment lineups feature nationally recognized fund managers and more than 80 investment options.
These options include everything from simplified hands-off asset allocation options to more sophisticated specialty sector options. They are not publicly traded mutual funds or available directly for purchase by the general public.
Please keep in mind that the use of asset allocation does not guarantee returns or insulate you from potential losses. In addition, investing involves risk and there is no assurance that the investment objective of any fund will be achieved.
Since Nationwide and its representatives cannot give legal or tax advice, make sure you discuss any specific questions you have with your legal or tax advisor.

Benefits of variable universal life insurance

YourLife Protection VUL is typically less expensive than other VUL products we offer. With a number of customizable features, you can adjust YourLife Protection VUL to fit your needs:

  • Invest in the markets through nationally-recognized fund managers
  • Experience tax-deferred growth potential
  • Get a tax-free death benefit
  • Customize with a comprehensive list of additional riders for your spouse and children (available at an additional charge)
  • Income tax-free loans and withdrawals (will decrease your policy's cash value and death benefit)1 

And, with YourLife Protection VUL, you can delay a payment when you need extra cash for something else. Our free Automated Death Benefit Protection Monitor will let you know if your policy is ever in danger of lapsing.
While premium flexibility is nice to have, you must have sufficient cash value to cover the minimum cost of insurance and other policy charges. If you want to continue your life insurance coverage, it's usually best to pay the scheduled premiums.

Want to learn more?

Find out more about this variable universal life insurance:

Find out more about the investment portion of this product:



Riders and Options


Learn how you can customize your life insurance policy to your specific needs.


Fees and Charges


Make sure you understand sales charges, surrender charges and other parts of your life insurance policy.

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Please read this important information

Keep in mind that investing involves market risk and your investment return, principal value and periodic payments will fluctuate over time. You could end up with more or less than the amount you invested.

Before you invest, please read the prospectus carefully and consider the investment objectives, risks, charges and expenses of the annuity and its underlying investment options before you invest. Prospectuses for products and underlying funds contain this and other important information. To obtain prospectuses, call your investment professional, contact Nationwide or click links to product information below.

Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution • Not insured by any federal government agency • May lose value

Guarantees and protections are subject to Nationwide's claims-paying ability. They do not apply to the investment performance or safety of the underling 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.

Life Insurance is issued by Nationwide Life Insurance Company, Or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. Nationwide YourLife is a service mark of Nationwide Mutual Insurance Company.

1Access 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 sections 7702A. Loans and partial withdrawals from a MEC generally are taxable and, if taken prior to age 59½, may be subject to at 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-410-AO
Riders/Endorsements: NWLA-412-AO, NWLA-414-AO, NWLA-415-AO, NWLA-416-AO, NWLA-417-AO, NWLA-418-AO, NWLA-419-AO, NWLA-420-AO, NWLA-421-AO, NWLA-423-AO, NWLA-229, NWLA-317, NWLA-318
Oklahoma Policy/Certificate: NWLA-310-OK
Oklahoma Rider/Endorsements: NWLA-412-OK, NWLA-414-AO, NWLA-415-AO, NWLA-416-AO, NWLA-417-AO, NWLA-418-AO, NWLA-419-AO, NWLA-420-OK, NWLA-421-OK, NWLA-423-AO, NWLA-229-35, NWLA-317-35, NWLA-318-35

NFW-1710AO.2, NFW-3261AO, NFW-2809AO