Help your clients take a step toward a stronger financial future.
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1 Nationwide YourLife Current Assumption UL Sales guide Help your clients take a step toward a stronger financial future. Reasonably priced permanent life insurance with the potential for growth. FOR INSURANCE PROFESSIONAL USE ONLY NOT FOR DISTRIBUTION WITH THE PUBLIC
2 Nationwide YourLife Current Assumption UL What s inside? 2 What is Nationwide YourLife Current Assumption UL? 3 How is it different for your client? 4 How is it different for you? 5 What are the details? 6 Where s the sweet spot? 8 Why Nationwide? 9 Give us a call. 10
3 What is Nationwide YourLife Current Assumption UL? We designed Nationwide YourLife Current Assumption UL to be flexible, reasonably priced permanent life insurance protection. With a guaranteed interest rate, it also gives your clients low-risk growth potential. (Keep in mind that all guarantees are based on Nationwide s claims-paying ability.) Plus, Nationwide YourLife Current Assumption UL offers services and features, like streamlined materials and tools and a simplified application process, that make it easier for you to explain and sell. Be sure to choose a product that meets long-term life insurance needs, especially if personal situations change for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs usually carry an additional charge. Allprotections and guarantees are subject to the claims-paying ability of the issuing insurance company. 3
4 How is it different for your client? Protection that changes as their lives do Your clients are looking for a way to start planning for the future and put a little money aside for life s many expenses. Nationwide YourLife Current Assumption UL can help by offering permanent protection and conservative growth in one product. The tax-advantaged accumulation and income tax-free loans and surrenders from their nonmodified endowment contract (MEC) policy give your clients an efficient way to plan for the future. And it can help them multi-task by offering a single, cost effective policy that can cover their entire family (with the help of optional riders). Flexible features they can use during their lifetime Nationwide offers your clients an indemnity-style long-term care rider that doesn t require receipts to receive benefits. Instead, payments go directly to the policyowner or the policy s trustee (unlike competitors who pay the care facility directly), allowing clients to maintain control of their money and spend it as they wish. And because beneficiaries receive the death benefit if long-term care is never needed, you eliminate the use it or lose it objection to many traditional long-term care policies. Keep in mind that using the long-term care benefit is an acceleration of the death benefit and reduces it. Care should be taken to make sure each client s life insurance needs will continue to be met, even if the rider pays out in full. Also, this rider may not be available in every state, may be known by different names in different states and is available for an additional charge. The monthly long-term care benefit will be the lesser of 2% of the long-term care specified amount or the HIPAA rate for the given year. Nationwide and its representatives do not give legal or tax advice. Your clients should consult their attorney or tax advisor for answers to specific questions. 4
5 How is it different for you? Making your job easier Nationwide s main underwriting strength is our accessibility and responsiveness, but it doesn t end there. We also offer fast underwriting times, real-time case status and more. We also believe in underwriting the individual, not the impairment. This way, clients with well-controlled diabetes and even a history of breast cancer have the opportunity to be considered at a Standard underwriting class. The Overloan Lapse Protection rider helps to protect heavily loaned policies from lapsing, which could lead to serious tax consequences for your clients. Helping you fill in the pieces Nationwide YourLife Current Assumption UL can help bolster retention and grow your business by filling in missing components of your clients protection and financial plans. Whether clients are looking for a way to pass on their financial legacy or simply protect what they already have, this universal life product offers conservative growth with an income tax-free death benefit paid directly to the beneficiary. The death benefit can even be estate tax free if properly structured. A Nationwide YourLife Current Assumption UL policy offers a cost-effective and flexible way for small business clients to protect the companies they ve worked so hard to build. Use a policy to fund buy/sell agreements, succession plans or even key person coverage. 5
6 What are the details? Target market Conservative or risk-averse, middle-income clients, ages looking for reasonably priced permanent insurance with the chance for conservative growth Underwriting classes and issue ages Age nearest birthday Nontobacco Preferred Plus (ages 18 80) Nontobacco Preferred (ages 18 80) Nontobacco Standard (ages 0 85) Tobacco Preferred (ages 18 80) Tobacco Standard (ages 18 85) Minimum face amount $25,000 $100,000 for Preferred and Preferred Plus Mortality table 2001 CSO Maturity age Attained age 120 Death benefit guarantee The Minimum Monthly Premium Provision ensures that the policy will not lapse during the first five (5) years as long as the sum of all premiums paid (minus any surrenders/loans) is greater than or equal to the sum of the minimum monthly premium in effect from the policy issue date Charges and costs No loads, fees or monthly deductions after attained age 120 Premium charges (percent of premium), including sales charges Less than $100k coverage Years 1 5: 10%; years 6 15: 8%; years 16+: 5% Coverage of at least $100k Years 1 5: 8%; years 6+: 5% Current monthly administrative charges Years 1 10: $10/month Years 11+: $10/month if under $50k coverage Years 11+: $5/month if at least $50k coverage Guaranteed maximum of $20/month in year 1 and $10/month in subsequent years Monthly per-thousand charge A specified amount charge that varies by issue age for up to 20 years after issue or a specified amount increase Monthly cost of insurance Varies based on age, coverage amount, underwriting classification, etc. 6
7 Surrender charge 20-year declining Partial surrenders 1 Available after first policy year Loan charge rate 5% in all years (current and guaranteed) Loan credit rate 3% in all years (current and guaranteed) Riders 2 Accelerated Death Benefit rider Accelerates death benefit for end-of-life care due to a qualified terminal illness Accidental Death Benefit rider Provides additional coverage in the case of a death due to an accident Children s Term Insurance rider Term coverage for all children of the insured, even the ones to come later on in life Long-term care rider Enables clients to use some or all of their death benefit for long-term care costs (in some states, this also lowers the account value) Overloan Lapse Protection rider Helps protect heavily loaned policies from lapsing Premium Waiver rider Credits a monthly premium if the insured becomes disabled Spouse rider Term coverage for the insured s spouse Waiver of Monthly Deduction rider Pays all monthly deductions if the insured becomes disabled, but does not pay the full premium amount Special features Maturity Extension provision Owner-directed settlement options 1 All references to loans assume that the contract remains in force and qualifies as life insurance under Section 7702 of the Internal Revenue Code and is not a modified endowment contract (MEC) under Section 7702(A). Loans from a MEC will generally be taxable, and if taken prior to age 59 1 /2, may be subject to a 10% tax penalty. Unpaid loans will reduce the 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. 2 Riders usually have an additional cost, may be known by different names in different states and may not be available in all states. 7
8 Where s the sweet spot? Nationwide YourLife Current Assumption UL pricing for target ages Ages Most competitive More competitive Competitive Not available What are the product s features? Competitive premiums No stock market risk Guaranteed minimum interest crediting rate offers potential for tax-deferred cash value growth Refer to Nationwide YourLife Current Assumption UL Product Highlights for full details: FLM-0423AO Nationwide YourLife Current Assumption UL can be used to: Provide total family protection through a full complement of riders Access cash value: guaranteed minimum interest crediting rate helps clients protect and plan for the future 8
9 Why Nationwide? We re glad you asked. As a stable, Midwestern company with more than 85 years of experience, we re conservative by nature. And, because we re in the business of offering annuities, life insurance, retirement plans and mutual funds, we know risk management and take many steps to protect our investors. We re proud of the company we keep and the company we ve built along the way. Nationwide is a Fortune company with more than 30,000 associates, making us one of the largest financial services companies in America. Through the years, we ve worked hard to build things you can rely on: Diversified sources of earnings and cash flows A strong balance sheet A sound and disciplined investment policy; and A long history of maintaining a quality investment portfolio Spend some time with us, and you ll quickly see a difference. Our conservative, family-based culture allows us to bring a unique brand of personalized service to our customers. 3 Based on revenue, Fortune magazine (6/15). 1 Based on revenue, Fortune magazine (5/13). 9
10 Give us a call. Do you have a client you think would benefit from Nationwide YourLife Current Assumption UL? Call us today to discuss your specific case. National Sales Desk Nationwide Financial Network Brokerage General Agents (BGAs)
11 Nationwide YourLife Current Assumption UL 11
12 Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured by any federal government agency May lose value Products issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. Nationwide, Nationwide Financial Network, Nationwide is on your side, the Nationwide N and Eagle and Nationwide YourLife are service marks of Nationwide Mutual Insurance Company Nationwide FOR INSURANCE PROFESSIONAL USE ONLY NOT FOR DISTRIBUTION WITH THE PUBLIC FLM-0397AO.5 (07/15)
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