• Cash value accumulates on a tax-deferred basis
• You can purchase a policy with a minimum face amount of $25,000
• Policy loans and withdrawals may be received free of federal income tax.*
• The entire death benefit, including dividend accumulations and paid-up additions, can pass federal income tax-free to your beneficiary(ies)
  
  Riders Available (may require additional cost):
  
  • Paid-up Additions
  • Disability Waiver of Premium
  • Accidental Death Benefit
  • Guaranteed Purchase Option
  • Insurance Exchange Agreement
  • Children's Term
  • Accelerated Death Benefit**
    
  * Tax-free access to cash surrender value is possible through surrender of paid-up additions up to the cost basis of the life insurance policy and loans thereafter, based on current tax laws and assuming the individual policy remains in force and is not a "modified endowment contract" under IRC Section 7702A. Keep in mind that some of these tax advantages do not apply to Modified Endowment Contracts (MECs). A MEC policy is created when payments have violated the IRS premium limitations. Therefore, any distributions from a MEC policy will be income taxable and may be subject to the 10% penalty for distributions before age 591/2 . Policy loans and surrenders of paid-up additions will reduce a policy's death benefit and net cash surrender value.
  
  ** These riders do not require an additional cost.

Securities and Investment Advisory services offered through Registered Representatives and Investment Adviser Representatives of 1717 Capital Management Company, A Registered Investment Adviser. Member FINRA (formerly NASD), SIPC. A Nationwide Financial company. Insurance Representatives of Nationwide Life Insurance Company of America and/or Nationwide Life and Annuity Company of America, which is not licensed in New York.