Overview:
This lesson introduces Nationwide’s diverse range of product solutions designed to meet various financial goals and protection needs. It covers key product features, benefits, and how they cater to different client scenarios.

Key Topics:

• Introduction to Nationwide’s product suite
• Understanding client needs and matching them with appropriate products
• Benefits of choosing Nationwide for financial solutions
• Overview of product features and advantages

Lesson 3:1: HOW OUR IULS HELP FAMILIES PROTECT THEIR FUTURE

Overview:
This lesson focuses on how Indexed Universal Life (IUL) insurance products offered by Nationwide provide families with essential financial protection and growth opportunities.

Key Topics:

• Fundamentals of Indexed Universal Life (IUL) insurance
• Benefits of IUL for long-term financial planning
• Case studies showcasing family protection through IUL
• Tax advantages and flexible premiums of IUL policies
• Death benefit and living benefits

Lesson 3:2: HOW THE POLICY WORKS

Overview:
This lesson delves into the mechanics of Nationwide’s IUL policies, explaining how they operate and the features that make them effective for policyholders.

Key Topics:

• Structure and components of an IUL policy
• Premium allocation and cash value accumulation
• Indexed interest crediting methods
• Policy loans and withdrawals
• Policy performance monitoring and adjustments

Lesson 3:3: EXPLORING THE FIVE OPTIONS OF INDEXED STRATEGIES

Overview:
This lesson explores the five indexed strategies available within Nationwide’s IUL policies, detailing how each strategy works and its potential benefits for policyholders.

Key Topics:

• Overview of indexed strategies in IUL policies
• Detailed explanation of the five options:
  • Fixed Account Strategy
  • One-Year Point-to-Point Strategy
  • Multi-Year Strategy
  • Monthly Cap Strategy
  • Performance Trigger Strategy
• Comparison of strategies based on risk and return profiles
• Suitability of each strategy for different financial goals

Lesson 3:4: TWO APPROACHES TO INDEXED INTEREST STRATEGIES

Overview:
This lesson provides an in-depth look at the two primary approaches to indexed interest strategies within Nationwide’s IUL policies, helping clients understand how to optimize their policy performance.

Key Topics:

• Understanding the two main approaches:
  • Cap Rate Approach
  • Participation Rate Approach
• Pros and cons of each approach
• How to choose the right approach based on financial objectives
• Case studies demonstrating the application of each approach

Lesson 3:5: DIFFERENT PRODUCTS FOR DIFFERENT GOALS

Overview:
This lesson highlights the variety of Nationwide’s products tailored to meet different financial goals, ensuring clients can find the right solution for their specific needs.

Key Topics:

• Overview of Nationwide’s diverse product offerings
• Matching products with client goals:
  • Retirement planning
  • Wealth accumulation
  • Income protection
  • Legacy planning
• Case studies illustrating product selection based on client scenarios
• Benefits of a diversified product portfolio

Lesson 3:6: NATIONWIDE CARE MATTERS

Overview:
This lesson focuses on Nationwide Care Matters, a long-term care solution that provides comprehensive coverage and flexibility for clients planning for future care needs.

Key Topics:

• Introduction to Nationwide Care Matters
• Benefits of long-term care insurance
• Features of Care Matters policies:
  • Flexible benefit payment options
  • Cash indemnity benefits
  • Inflation protection options
  • Return of premium feature
• How Care Matters integrates with other financial plans
• Real-life examples of how Care Matters supports clients’ care needs

Course Development Tips:

• Interactive Elements: Incorporate quizzes, case studies, and interactive scenarios to engage learners and reinforce key concepts.
• Visual Aids: Use charts, diagrams, and infographics to illustrate complex policy mechanisms and product features.
• Practical Applications: Provide real-world examples and case studies to help learners understand the practical applications of Nationwide’s products.
• Discussion Forums: Encourage learners to participate in discussion forums to share experiences and insights related to using Nationwide’s financial products.