Nationwide Indexed UL Accumulator II: 10.25% cap (S&P 500)

Nationwide

Financial Strength A+
IUL Experience 18 years
Policy Portfolio 4 products

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Founded

1926

Assets

$140 billion

AM Best

A+

Participating

250%

Financial Strength Ratings

AM Best A+

S&P AA-

Moody's A1

Product Benchmarks

Typical Cap Range

Min: 6.00% | Max: 25.00% | Current average: 10.25%

Participation Rates

Min: 100% | Max: 315% | Current average: 250%

Typical Fees

Coi range: Lowest in industry | Admin fee: 1%-2% additional for high-cap strategies | Premium load: Standard

About Nationwide

Fortune 100 company (#72 in 2025)

Pioneer of Volatility Control Index movement

Industry-leading participation rates

Lowest cost of insurance charges in industry

Cap rates reaching 25% on certain strategies

Mutual structure with no outside stockholders

Company Profile

Headquarters

Columbus, Ohio

Founded

1926

Years in IUL

18 years

Assets Under Management

$140 billion

Minimum Premium

$5,000 annual

Issue Ages

0-85 years

Underwriting Speed

2-4 weeks standard

Website

www.nationwide.com

Financial Ratings

AM Best A+

S&P AA-

Moody's A1

These ratings indicate excellent financial strength and claims-paying ability.

IUL Policies from Nationwide

Explore comprehensive Indexed Universal Life insurance solutions

How to Compare: Check the boxes on any 2 policies below, then click "Compare Now" in the green bar that appears.

IUL Policy

Nationwide Indexed UL Accumulator II 2020

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Sp500: 10.25% | High cap multi index: 25.00% (with 1% fee)

Floor Protection 0%%

Participation Bnpp global h factor: Up to 315% | Jp morgan mercury: Up to 250%

Minimum Premium $5,000 annual

Issue Ages 0-85

Industry-leading 315% participation on select indices
25% cap available
Lowest cost of insurance charges
Index options: S&P 500, BNPP Global H-Factor, J.P. Morgan Mercury...

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IUL Policy

Nationwide Indexed UL Protector II 2020

Indexed Universal Life solution focused on compounding tax-advantaged cash value.

Cap Rate Sp500: 9.50% to 10.25%

Floor Protection 0%%

Participation Standard: 100% to 250%

Minimum Premium $5,000 annual

Issue Ages 0-85

Death benefit protection focus
Low cost structure
Index options: S&P 500, Multiple VCI options

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Personalized Planning

Map Out Your Nationwide Strategy

Partner with fiduciary-aligned specialists to benchmark Nationwide against other carriers and design an IUL strategy around your goals.

Carrier benchmarking with transparent fee and rider analysis
Custom illustrations tailored to your cash-flow and retirement timeline
Step-by-step implementation with ongoing performance reviews

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Response within one business day

Frequently Asked Questions

Nationwide currently offers 4 IUL solutions that balance growth potential with downside protection. Our specialists will help you match product features to your retirement or legacy goals.

Nationwide maintains strong independent ratings including AM Best A+, demonstrating resilient balance sheet strength and consistent claims-paying ability.

Nationwide Indexed UL Accumulator II: 10.25% cap (S&P 500) | High-Cap Multi-Index: 25.00% with 1% fee | Uncapped options: 6.00% to 12.75% index spread rates | Up to 315% participation on BNPP Global H-Factor Index | Up to 250% on J.P. Morgan Mercury Index