You have goals for the future. Nationwide New Heights® Indexed Universal Life Accumulator (New Heights® IUL) can help you reach them. It is permanent life insurance that provides a tax-free death benefit and offers a wide range of benefits that can help grow and protect a source of funds you can use, whenever and however you choose.
Select one of the options below to explore the New Heights® opportunity:
How indexed universal life insurance works
Indexed universal life (IUL) insurance is designed primarily to provide a tax-free death benefit for your loved ones after you’re gone and help you create a lasting legacy. It also offers the opportunity for tax-advantaged growth through multiple indexed interest strategies and a fixed account. Your money does not directly participate in the market and a guaranteed minimum floor rate ensures your crediting rate will never be negative, even during market declines.2
Flexible options give you access to your policy’s cash value to use for unexpected emergencies, life events and a source of supplemental retirement income.
Please keep in mind:
- IUL insurance policies are not stock market investments, do not directly participate in any stock or equity investments, and do not receive dividends or participate in capital gains.
- 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.
This material is not a recommendation to buy, sell, hold, or roll over any asset, adopt a financial strategy or use a particular account type. It does not take in to account the specific investment objectives, tax and financial condition or particular needs of any specific person. Clients should work with their financial professional to discuss their specific situation.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company.
2 Guarantees are subject to the claims-paying ability of the issuing life insurance company.
Guarantees are subject to the claims-paying ability of the issuing insurer. Past index performance is no indication of future crediting rates. Also, be aware that interest crediting fluctuations can lead to the need for additional premiums to be paid into your policy.
Life insurance is issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio.
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