Take a step in the right direction. Protect your family and plan for the future with life insurance. Nationwide YourLife Current Assumption UL
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1 Nationwide YourLife Current Assumption UL Client guide Take a step in the right direction. Protect your family and plan for the future with life insurance.
2 Nothing says security like knowing you and your family will be protected, even in the face of challenging events. As you work toward your goals, let Nationwide YourLife Current Assumption UL help put your mind at ease with reasonably priced, flexible life insurance coverage. 2
3 Nationwide YourLife Current Assumption UL What s inside? Why Nationwide? 4 What is Nationwide YourLife Current Assumption UL? 5 Why universal life insurance? 7 What are the details? 8 What can I use it for? 9 What happens next? 10 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. Protections and guarantees are subject to the claims-paying ability of the issuing life insurance company. 3
4 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 100 company 1 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. 1 Based on revenue, Fortune magazine (6/14). 4
5 Nationwide YourLife Current Assumption UL What is Nationwide YourLife Current Assumption UL? If you re looking for a reasonably priced way to protect your family and save for the future, Nationwide YourLife Current Assumption UL could be the product you re looking for. We designed Nationwide YourLife Current Assumption UL to be flexible, permanent life insurance. While it protects your family, it also gives you a chance for low-risk, conservative savings growth through a guaranteed interest rate. (Keep in mind that all guarantees are based on Nationwide s claims-paying ability.) 5
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7 Nationwide YourLife Current Assumption UL Why universal life insurance? Life is full of uncertainties. And while you can t stop them from happening, life insurance helps you be ready for them when they do. Choosing the right life insurance to fit your needs may seem a little daunting, so here is a quick reference guide to aid you in your decision. Your needs TERM LIFE INSURANCE WHOLE LIFE INSURANCE UNIVERSAL LIFE INSURANCE VARIABLE UNIVERSAL LIFE INSURANCE Death benefit Designed for low cost Access to your money 2 Guaranteed cash value Market participation 3 Tax advantages Flexible payments 4 Your concerns Are you looking for reasonably priced lifetime protection with the chance for conservative growth? Are you worried about potential long-term care expenses eating away at your savings? Would you like to leave your family or a favorite charity a legacy? Would you like to have a say in how your policy s benefit is paid to your beneficiaries? If your needs are pointing toward universal life insurance and you answered yes to any of the questions above, Nationwide YourLife Current Assumption UL may be the right fit for you. 2 Access to your money 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 firstin/first-out basis as long as the contract meets non-mec definitions under Section 7702A. Loans and partial withdrawals from a MEC generally are taxable, and if taken prior to age 59½, may be subject to a 10% tax penalty. 3 Market participation Refers to the underlying investment options, not to the variable universal life policy itself. The underlying investment options are not publicly traded and cannot be purchased directly by the general public. 4 Flexible payments Assumes there is sufficient cash value to cover monthly policy charges. Keep in mind that variable universal life insurance has market volatility so it s possible that you may need to pay an additional premium on your policy. 7
8 What are the details? QUESTIONS How much coverage can I purchase? ANSWERS The minimum amount is $25,000. How long will my coverage last? If required premiums are paid, to age 120. Are there any guarantees that protect the policy s death benefit? During the first five years of your policy, the Minimum Monthly Premium Provision ensures the policy will not lapse as long as the sum of all the premiums you ve paid (minus any loans or partial withdrawals) is greater than or equal to the sum of the minimum monthly premium in effect from the policy issue date. (In English, that means that even if your policy s cash value is less than zero, your policy will not lapse as long as you ve met the minimum monthly premium requirements. These requirements will vary by policy.) What does Nationwide YourLife Current Assumption UL cost? We want to ensure you receive the most appropriate amount of coverage. So, when you sit down with your insurance professional, he or she will show you a personalized illustration of what you will pay based on your needs. This amount is called the premium. Included in this amount are industry-standard policy charges that cover such things as: Cost of insurance protection Administrative charges and sales expenses Taxes Costs of riders or additional benefits Other fees Is there a fee if I terminate my policy? Yes, there is a 20-year declining surrender charge. How can I access the cash value in my policy? Your net premium plus interest can provide you with cash value, which is available for loans and withdrawals. 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. Are there any features available to help customize the policy? Your insurance professional can explain the features and benefits that will best fit your individual situation. 8
9 Nationwide YourLife Current Assumption UL What can I use it for? INCOME REPLACEMENT LONG-TERM CARE EXPENSES SUPPLEMENTAL SAVINGS Replace lost income so your family can maintain their lifestyle after you re gone Maintain your independence and live the way you choose in later years with the longterm care rider 5 Start planning for the future and put a little money aside for life s many expenses TOTAL FAMILY PROTECTION ESTATE PLANNING BUSINESS PROTECTION With the help of optional riders, cover your entire family with one life insurance policy Preserve and efficiently pass your wealth on to children, grandchildren or even a charitable organization Protect the business you ve worked so hard to build by funding buy/sell agreements, succession plans or key person coverage OWNER-DIRECTED SETTLEMENT OPTIONS ACCELERATED DEATH BENEFIT RIDER ESTATE LIQUIDATION Specify who gets what and when by selecting the settlement option that best meets your beneficiary s money-handling ability Get help covering expenses in the event of a terminal illness Provide funds to cover estate taxes, fees or even final medical bills 5 Keep in mind that, as an acceleration of the death benefit, the long-term care rider payout will reduce both the death benefit and cash surrender values. Make sure life insurance needs will still be met, even if the rider pays out in full. Costs for long-term care vary by person, and there is no guarantee the rider will cover all long-term care costs. Nationwide pays long-term care benefits to the policyowner. If the insured is not the policyowner, there is no guarantee benefits will be used to pay for long-term care. 9
10 What happens next? If you ve made the decision that Nationwide YourLife Current Assumption UL is right for you, the underwriting process begins. This simply means we begin the paperwork on the policy. Your insurance professional will have some forms for you to sign and may need to ask a few medical questions. Depending on the amount of insurance applied for, a medical professional may schedule a quick checkup, including height, weight and other basic medical information. The checkup is often done in your own home. After the application is approved, you will receive the policy. You might want to file this with your other important documents and notify your beneficiaries. Then, by paying the regularly scheduled guarantee premium on time, you ll be protecting your family and planning for the future. 10
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12 Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured by any federal government agency May lose value Life insurance is issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. Nationwide, Nationwide is on your side, the Nationwide N and Eagle and Nationwide YourLife are service marks of Nationwide Mutual Insurance Company Nationwide Policy/Certificate: NWLA-370-AO Oklahoma Policy/Certificate: NWLA-370-OK Riders/Endorsements: NWLA-344-AO, NWLA-369-AO, NWLA-372-AO NWLA-376-AO, NWLA-412-AO, NWLA-417-AO, NWLA-420-AO, NWLA-421-AO, NWLA-423-AO, NWLA-171-AO, NWLA-172-AO Oklahoma Riders/Endorsements: NWLA-344-OK, NWLA-369-OK, NWLA-372-AO, NWLA-376-AO, NWLA-412-OK, NWLA-417-AO, NWLA-420-OK, NWLA-421-OK, NWLA-423-AO, NWLA , NWLA LAM-1210AO.3 (04/15)
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