Target market

Nationwide Marathon Performance Variable Universal Life (VUL) - Accumulation is for clients seeking cash value accumulation potential, tax advantages and living benefits, plus the flexibility to target either protection or accumulation.

Product details

• Typical funding patterns: Level to endow
• Underwriting classes and issue ages (age nearest birthday):
  • Select Preferred Plus Nontobacco: 18-80
  • Select Preferred Nontobacco: 18-80
  • Preferred Tobacco: 18-80
  • Nontobacco: 0-85
  • Tobacco: 18-85
• Minimum face amount: $100,000
• Initial no-lapse guarantee: 5 years all issue ages
• Loyalty credit:
  • A maximum annualized credit of 0.20% will be applied monthly to the cash value in the subaccounts; the actual credit may be less than the maximum, is not guaranteed (for most states) and may be discontinued at any time.

  Issue age	25 and under	26 years	27 years	28 years	29 years	30 years	31 years	32 years	33 years	34 years	35+ years
  Policy anniversary credit applied	20	19	18	17	16	15	14	13	12	11	10

• Maturity: Insured attained age 120. The Maturity Extension Provision automatically applies unless the policyowner chooses to receive the maturity proceeds (i.e., the cash surrender value) instead.
• Maturity extension provision: Provides for extension of insurance coverage from attained age 120 until the date of the insured's death
• Death benefit options:
  • Option 1 - Level
  • Option 2 - Increasing
  • Option 3 - Return of premium
• Transfers/exchanges:
  • Tax-free exchanges available between variable investment options
  • Dollar cost averaging available from money market, bond or fixed income accounts
  • Some variable investment options will be subject to short-term trading fees; the money market account is not subject to a short-term trading fee.
• Investment options: Features a nationally-known investment lineup of over 90 variable investment options

• Monthly administrative charge (deducted monthly):
  • Current: $25 per month in the first policy year; $10 per month thereafter
  • Guaranteed: $25 per month in the first policy year; $10 per month thereafter
• Per $1,000 charge (deducted monthly based upon specified amount): Assessed for the first 10 years following policy issue or any increase in the base specified amount; rate per $1,000 decreases as the specified amount increases; decrease breakpoints occur at $250,000 and $500,000
• Mortality & expense charge (an annualized charge deducted monthly):
  • Current: $0
  • Guaranteed: 0.30% annually all years
• Premium load (deducted from each premium payment): 6% (current and guaranteed)
• Cost of insurance: Varies by issue age, specified amount, duration, sex, risk class and death benefit option
• Loan interest rate charged:
  • Current: 3.9% years 1-10 and 3% years 11+
  • Guaranteed: 3.9% years 1-10 and 3.25% years 11+
• Loan interest rate credited: 3.0% all years (current and guaranteed)
• Withdrawals/Partial surrenders:
  • Available after the first year
  • Minimum: $200
  • Maximum: Limited to 10% of the cash surrender value in years 2 through 10; thereafter, the greater of the cash value less $500 or an amount equal to three monthly deductions
  • Policy cannot be reduced below the required policy minimum and must continue to qualify as life insurance
• Surrender charge: The initial charge varies by sex, age, specified amount and underwriting classification. The charge reduces by the following schedule over the remaining years as a percentage of the initial surrender charge.

Policy Year	Issue Age 0-49	Issue Age 50+
1	100%	100%
2	100%	100%
3	100%	95%
4	100%	95%
5	95%	80%
6	85%	65%
7	70%	60%
8	52%	45%
9	30%	30%
10	8.3%	8.3%
11+	0%	0%

• Partial surrenders¹: Available after first policy year

Key features

• Asset rebalancing
• Automated Income Monitor
• Direct fund expense
• Dollar cost averaging
• Owner-directed settlement options

View the prospectus. (pdf)