FINANCIAL PROFESSIONAL OR AGENT USE ONLY. NOT FOR USE WITH THE PUBLIC.
This material is not a recommendation to buy, sell, hold or roll over 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 discuss their specific situation with their financial professional.
Nationwide New Heights Indexed Universal Life Accumulator 2020 (New Heights IUL) is issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing carrier. Nationwide and its affiliates are not affiliated with Annexus, Annexus’s affiliates or the Independent Distribution Company (IDC) distributing this communication.
Indexed universal life 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. 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 in the policy.
When choosing a product, make sure that life insurance needs are met. Because personal situations may change (i.e., marriage, birth of a child or job promotion), so can life insurance and long-term care insurance needs. Care should be taken to ensure these strategies and products are appropriate. Associated costs, as well as personal and financial objectives, time horizons and risk tolerance should all be weighed before purchasing a product. Life insurance, and long-term care coverage linked to life insurance, has fees and charges associated with it that include: costs of insurance, which vary based on characteristics of the insured such as sex, tobacco use, health and age; and additional charges for riders that customize a policy to fit individual needs.
The general information presented here is not intended to be, nor should it be, treated as tax, legal, accounting or other professional advice. Additional facts and circumstances may exist that would impact the tax treatment of a specific transaction. Taxpayers should seek advice from an independent tax advisor before acting on any information presented. Federal tax laws are complex and subject to change. Neither Nationwide nor its representatives give legal or tax advice. Consult with your attorney or tax advisor for answers to specific questions.
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