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Variable universal life insurance

Advisory variable universal life insurance is a type of permanent life insurance that combines the features of universal life insurance with investment options.
  • Tax-deferred cash accumulation
  • Tax-free income
  • No contribution limits
  • Tax-efficient wealth transfer / legacy planning
  • Broad range of investment options

Nationwide® Advisory Variable Universal Life

A fee-based variable universal life insurance product designed for RIAs that provides clients with many tax advantages and features low-cost life insurance protection and 140+ investment options. It features affordable and customizable life insurance protection, no surrender charges, no sales loads, Long-term Care Rider II, and living access benefits.

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Dedicated advisory consultants to help you incorporate protection solutions

Our advisory consultants will work with you to help you understand our financial solutions and how you can integrate them as a strategic asset within a holistic financial plan

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Variable products are sold by prospectus. You can obtain the product prospectus and underlying fund prospectuses by writing to Nationwide Life Insurance Company, P.O. Box 182021, Columbus, OH 43218-2021.

Before you invest, you should read the prospectus carefully and consider investment objectives, risks, charges and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved.

Guarantees and protections are backed by Nationwide's claims-paying ability. They don't apply to the investment performance or safety of the underlying investment options. Underlying subaccounts are available only as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general 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.

Life and annuity products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The general distributor for variable products is Nationwide Investment Services Corporation (NISC), member FINRA, Columbus, Ohio. The Nationwide Retirement Institute is a division of NISC. Nationwide Funds are distributed by Nationwide Fund Distributors, LLC, member FINRA, Columbus, OH. Nationwide Life Insurance Company, Nationwide Life and Annuity Company, Nationwide Investment Services Corporation and Nationwide Fund Distributors are separate but affiliated companies.

The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities issued by Nationwide Life Insurance Company. It also includes trust programs and trust services offered by Nationwide Trust Company, FSB.