Nationwide Financial Services Inc. has started selling the Nationwide YourLife Accumulation Universal Life product.

The policy is an individual, flexible-premium, adjustable universal life policy, according to Nationwide Financial, a unit of Nationwide Mutual Insurance Company, Columbus, Ohio.

The new UL product incorporates the 2001 Commissioners Standard Ordinary mortality tables.

The product includes access to the YourLife Wellness program, which offers Web-based help with matters such as stress management, fitness and nutrition.

Optional riders include an accidental death benefit rider; an accelerated death benefit rider that pays terminally ill insureds with a life expectancy of 12 months or less; and a long term care rider that provides access to the Nationwide Care Guide Network.

Other options include overloan lapse protection and premium waiver riders.

Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company will issue the policies and back the policy guarantees.