New Indexed Universal Life Product Offers Protection and Long-Term Growth Potential

This article was originally published on nationwide.com.

Nationwide® Indexed UL Accumulator III offers enhanced accumulation potential through 8% enhanced DCA and Performance Lock

Columbus, OH, March 26, 2026 — Nationwide is introducing Nationwide® Indexed Universal Life Accumulator III, a permanent life insurance product designed to help consumers protect what matters most with a tax-free death benefit while pursuing long-term growth.

Built for clients seeking both security and meaningful accumulation potential, the new IUL solution builds on Nationwide’s commitment to low-cost, transparent IUL solutions while introducing new features that help offer clients greater control and flexibility.

Nationwide Indexed UL Accumulator III offers a wide range of indexed interest strategies designed to help offer clients broader diversification opportunities. The latest enhancements include the addition of the Nasdaq-100^® Index interest strategies, new 2-year term segment options, and access to 6 Uncapped indexed interest strategies. The remaining index options include the S&P 500^® Index, a Multi-Index Blend, and the BNP Paribas Global H-Factor^® Index. A fixed interest strategy with a guaranteed minimum rate is also available. 

To support clients during the crucial first year of their policy, Nationwide IUL Accumulator III offers an 8% Enhanced DCA rate. Clients can allocate their initial premium to the fixed interest strategy, where they earn an enhanced crediting rate for a full 12 months before being gradually moved into indexed strategies. This approach helps smooth market timing risk while giving policyowners a powerful early boost in cash value, an especially valuable feature for long-term accumulation.

Nationwide’s Performance Lock is an optional feature that lets policyowners “lock in” gains once their selected target is reached. When triggered, Performance Lock preserves index value for the remainder of the segment, even if markets decline. This feature is designed to provide consistency and an added layer of predictability for clients who want growth opportunities without the worry of losing gains before the segment ends. Performance Lock is available on all uncapped index strategies, further enhancing control and transparency.

“Our goal with IUL Accumulator III is to bring customers a modern, accumulation-focused solution that makes long-term planning more intuitive,” said Arny Martin, associate vice president, Life Product Management at Nationwide. “The combination of our 8% Enhanced DCA and Performance Lock gives people new tools to pursue growth and protect gains—especially valuable in an environment where markets can shift quickly.”

Additional product highlights include:

• Guaranteed Nationwide IUL Rewards Program

• Cash indemnity long-term care rider

• Living access benefit riders—Chronic, Critical, and Terminal Illness

• New Adjusted Premium Charge Rider

• New Guaranteed Interest Accumulated Value feature for added protection

To learn more about our newest offering, visit: Nationwide.com/IULAccum3