See how to tailor an indexed UL solution for
clients at nationwidefinancial.com/Burned
ANNUITIES;|;LIFE INSURANCE;|;RETIREMENT PLANS;|;MUTUAL FUNDS
Male, age 50, non-tobacco preferred, minimum non-MEC death benefit, increasing death benefit switching to level at age 66, fixed annual premium of $45,000 for 15 years; 15-year
distribution (income taken monthly) starting at age 66; fixed loans targeting $10,000 cash surrender value at age 120.
As your clients’ personal situations change (i.e., marriage, birth of a child or job promotion), so will their life insurance needs. They should weigh any associated costs before making a
purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as sex, health and age, and has additional
charges for riders that customize a policy to fit their individual needs.
Indexed universal life insurance policies are not stock market investments, do not directly participate in any stock or equity investments, and do not receive dividend or capital gains
participation. Past index performance is no indication of future crediting rates. Also, be aware that interest-crediting fluctuations can lead to the need for additional premium in your policy.
Protections and guarantees are subject to the claims-paying ability of the issuing insurance company.
Both products in the competitive comparison assume a one-year S&P 500; point-to-point crediting strategy at 6.00%. The Nationwide product includes the Indexed Interest Multiplier
(Multiplier) which increases the assumed interest rate by 15%. However, since our AG 49 maximum illustrated rate is 6.86%, only part of the Multiplier benefit is shown. In this example,
6.00% assumed rate X 1. 15 Multiplier = 6.90% but only 6.86% is shown in this illustration. The Multiplier is not available on all indexed interest strategies. When it is present, the cap rate will
be lower. The Nationwide product also includes the Nationwide IUL Rewards Program conditional credit of 0.20% in policy years 16 onward. To receive the Nationwide IUL Rewards Program
benefit, premium payments must meet or exceed a test of the net accumulated premium (premium paid minus any amounts taken as loans or partial surrenders) at the start of policy
year 16; earlier for issue ages 51 and older. The additional 0.20% interest is applied each year from then on as long as the policy is in force. The credit will be added to the fixed interest rate
strategy’s accumulated value. Guarantees are subject to the claims-paying ability of the issuing insurer. Information was compiled February 1, 2016 from Nationwide’s illustration software
and WinFlex web version 2.151.1 system version 6. 15. The information is accurate to the best of our knowledge.
Life insurance products are underwritten by Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company, Columbus, Ohio. Let’s Face It Together is a service mark of
Nationwide Life Insurance Company. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2016 Nationwide.
Help your clients get the most value from
their life insurance. Nationwide YourLife®
Indexed UL Accumulator is designed with
a low-cost structure, delivering high
supplemental retirement income potential.
Your clients’ fear their life
insurance won’t give them
enough income in retirement.
ANNUAL RETIREMENT INCOME
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