Leave a lasting legacy

The New Heights^® IUL ll death benefit provides you with a level of comfort and protection for your loved ones

If you pass away unexpectedly, a New Heights^® IUL II insurance policy can help make sure your family has the resources to help maintain their standard of living, pay off mortgages or other debts and carry out education plans for your children.

Tax-free death benefit

New Heights IUL II offers a tax-efficient way to pass funds to loved ones or a favorite charity, and is paid directly to your beneficiaries to help avoid delays due to probate or estate administration. Your beneficiaries receive 100% of the death benefit in a tax-free payment. If you plan on leaving all or a portion of your death benefit to a charitable organization, contact a legal professional to help you structure your estate.

Initial base death benefit guarantee

Issue ages		Length of guarantee
0 to 55		20 years
56 to 69		6- to 19-year guarantee (75 minus issue age)
70+		5-year guarantee

Death benefit options

Level – the specified amount selected at time of purchase.

Increasing – the specified amount plus the remaining cash value in the policy. As the cash value grows, the death benefit increases as well. Increasing death benefits are typically more expensive than level.

Return of premium – the specified amount plus the Return of Premium percentage selected on the policy. This benefit varies over time.

Optional death benefit riders

Accelerated Death Benefit for Terminal Illness Rider – allows you to receive some of the death benefit early if you’re diagnosed with a terminal illness.¹

Chronic Illness Benefit – Allows you to receive a portion of the death benefit early to help cover expenses due to a chronic illness that’s expected to require substantial assistance for the rest of your life.²

Critical Illness Benefit – Allows you to request a lump-sum benefit payment when you have been diagnosed with cancer, stroke or other critical illnesses.²

¹ The Accelerated Death Benefit Rider is a feature included with the policy. There is no monthly deduction for the rider. However, there is a cost associated with this rider if and when it is invoked.

² Keep in mind that, as an acceleration of the death benefit, exercising the Chronic Illness Rider or the Critical Illness Rider payout will reduce both the death benefit and cash surrender value by an amount greater than one dollar for every dollar paid. Make sure life insurance needs will still be met, even if the rider pays out in full. Though riders that customize a policy to fit individual needs usually carry an additional charge, neither the Chronic Illness Rider, the Critical Illness Rider nor the Terminal Illness Rider has an initial cost or upfront monthly charge when any is included in the policy; however, a cost is incurred if and when the rider is exercised and policy cash values, death benefits and other policy values are reduced. A life insurance purchase should be based on the life policy and not solely on riders or features. The chronic illness, critical illness or terminal illness benefit paid will be reduced to pay due and unpaid premium or charges. Additionally, a pro rata portion of the payment will be applied as a policy loan payment if there is any outstanding indebtedness.

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them make any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Nationwide and its representatives do not give legal or tax advice. An attorney or tax advisor should be consulted for answers to specific questions.

This policy allows for flexible premium payments, but it’s important to adequately fund it to keep it in force and to help meet your needs and those of your beneficiaries.

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 payment of additional premiums.

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.

Products are issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

Nationwide, the Nationwide N and Eagle and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. Thirdparty marks that appear in this document are the property of their respective owners.

FLW-0183AO-IM (8/26)