Survivorship VUL
Nationwide Financial Network®


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An Efficient Way to Provide Cash Needed for Estate Taxes and Settlement Costs

Survivorship Variable Universal Life Insurance (Survivorship VUL) is an efficient way to provide your clients the cash needed for estate taxes and settlement costs. Insuring two lives, survivorship offers a significant reduction in insurance costs compared to single life contracts. With this type of policy, the proceeds are paid at the second death, which is generally when the major estate settlement costs and estate taxes have to be paid in the case of a married couple. This insurance policy provides both the advantages of survivorship life insurance and the growth potential of equity investments.

Survivor Options Premier and Survivor Options Elite give your clients the features they need to help preserve their estate and more. It may provide the necessary funds for estate taxes and other estate settlement costs. And, it combines insurance death protection with the investment features of long-term growth potential, investment flexibility, and diversification.

Riders Available (may require additional cost):

Guaranteed Minimum Death Benefit
Additional Insurance Benefit 3
Convertible Term Insurance
Disability Waiver Benefit 3
Estate Protection Term 3
Change of Insured 4, 3
Policy Split Option 4
Maturity Extension 4

3 Only available at time of policy issue

4 These riders do not require an additional cost.

Check out the information below to obtain more details on Survivorship Options Premier and Elite.

The underlying funds listed above are only available as investment options in variable insurance products issued by life insurance companies. They are not offered or made available directly to the public. These portfolios may contain different investments than the similarly named mutual funds offered by the money manager; therefore, investment results may differ. Fund holdings and investment strategies are subject to change. Investments in some funds may involve certain risks and may not be appropriate for all investors.

Important words from Compliance:

Before investing in an underlying fund, your clients should carefully consider its investment objectives, risks, charges and expenses. This and other important information is contained in the fund's prospectus, which can be obtained by contacting Nationwide. Please read the prospectus carefully before investing.

Survivor Options Premier is issued by Nationwide Life Insurance Company of America and Nationwide Life and Annuity Company of America, which is not licensed in New York. Survivor Options Elite is issued by Nationwide Life Insurance Company of America. Products may not be available in all states .

Producers must be appropriately registered and licensed in the states in which they conduct business in order to offer the referenced products.