Nationwide Life Insurance Review (Coverage Comparisons & More)
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UPDATED: Oct 1, 2020
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
|Key Info||Company Specifics|
|Current Executives||CEO - Stephen Rasmussen|
|COO - Mark Berven|
|Number of Employees||28,141|
|HQ Address||1 Nationwide Plaza, Columbus, OH 43215|
|Premiums Written-Group Life||$1,315,267|
|Best For||Insurance, Investing, and Banking|
The unexpected happens to us all, but only a few prepare for the unexpected. No one likes to think about their death or the death of a loved one, but having a life insurance policy can decrease your stress and worry about the inevitable.
Many people aren’t even thinking about life insurance until they are in their thirties or forties. Every person has their own specific needs when it comes to a life insurance policy.
You are in the right place to find the policy that best fits best and protects your family from financial devastation if and when you pass on. Nationwide is a top insurer of all kinds of plans, and with life insurance specifically, they have an array of options. There is a policy out there that suits your needs.
Start comparing life insurance rates now by using our FREE tool on the right!
|A.M. Best||A+ (Superior)|
|Better Business Bureau||A+|
|NAIC Complaint Index-Group Life||0.1|
|NAIC Complaint Index-Individual Life||0.44|
|J.D. Power||4 out of 5 (Overall Satisfaction)|
|Consumer Affairs||4 out of 5 / 22 ratings|
Best’s Credit Ratings are forward-looking, independent, and objective opinions regarding insurer’s, issuer’s, or financial obligation’s relative creditworthiness. In short, it allows the consumer a professional risk assessment of any rated company.
Best’s Financial Strength Ratings focus on how well the company can hold up its end of the bargain. Nationwide obtained a Best’s Financial Strength Rating of A+, signifying that Nationwide has superior ability to meet their ongoing obligations and contracts.
Better Business Bureau (BBB)
The BBB ratings do not focus on money but on the interactions between business and consumers. It is important to note that the BBB does not use customer reviews; they only use public sources and those directly from enterprises.
There are seven rating elements the BBB evaluated before giving Nationwide an A+. The A+ means that Nationwide has been operating a long time with minimal complaints and even less unresolved complaints.
Moody’s uses ten factors to provide the framework for their ratings. They utilize historical and forward-looking data to rate the financial strength of companies by focusing on business, economic, and operating factors.
Nationwide obtained an A1 rating. Again Nationwide is recognized as prosperous and financially stable.
Standard & Poor (S&P)
At S&P, credit ratings provide forward-looking credit risk, which assists in developing smooth-functioning capital markets by providing information and insight to market participants. Nationwide received an A+ rating, meaning they are highly capable of upholding financial commitments. However, they may be susceptible to economic fluctuations.
NAIC Complaint Index
The purpose of a National Association of Insurance Commissioners (NAIC) Complaint Index is to compare the performances of different companies.
1.00 is the national average, so anything above means more complaints than average and those with less have fewer. To determine a company’s index, you must divide the number of complaints by the number of premiums written.
J.D. Power uses a five-star rating system. The four stars that Nationwide earned shows they do better than most. They use four factors to average out an overall satisfaction:
- Annual statement and billing
- Policy offerings
Of all the rating agencies, Consumer Affairs bases its rating strictly on the scores and opinions of actual consumers. Out of 22 ratings, Nationwide averages nearly four stars of overall satisfaction.
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In 1926, Farm Bureau Mutual Automobile Insurance Company established itself. During the 1930s, they began selling life insurance. It was not until 1955 that they changed to Nationwide Insurance. It’s hard to imagine that Nationwide, with its dozens of subsidiaries all over America, started as a small farmer’s insurance company in Columbus, Ohio.
Nationwide Mutual Insurance Company is the parent company of over 100 financial and insurance companies. The Nationwide Life Insurance Company is one of those subsidiaries.
Nationwide’s Market Share
Nationwide’s headquarters is in Columbus, Ohio. Their name, however, is very much appropriate, as they operate all across America. Out of the dozens of Nationwide subsidiaries, there are only two specifically related to life insurance: Nationwide Life and Annuity Insurance Company as well as Nationwide Life Insurance Company.
Individual Life Insurance may not be the forerunner for Nationwide, but they have consistently been part of the top 10 companies that share the market for group life insurance.
In 2015, Nationwide accounted for 4.3 percent of the market share, ranking number six in group life insurance writers. They did not make the top 10 in 2016 but came back in 2017 with a 3.9 percent market share, ranking ninth. Last year, Nationwide held their ground with the same numbers.
Though there has been a small dip in recent years, Nationwide is holding strong to its place as a leading life insurance company. Last year, Nationwide wrote $1,315,267 worth of premiums, a number down from $1,444,782 in 2016. With a margin of a little over $100,000, economic fluctuations will occur, and therefore the decline of Nationwide’s market share is negligible.
When insurance companies sell you an insurance policy, the amount you pay is called a premium. Nationwide has not been in the top 10 insurance companies when it comes to individual life insurance premiums written, but it has been for those who write group life insurance premiums within the last few years.
In 2018, Nationwide ranked ninth, writing $1,315,267 worth of premiums for group life insurance. This factors out to about 3.9 percent of the market share. In 2017, Nationwide was also ranked ninth with slightly more premiums written at $1,397,769 and the same amount of market share.
Nationwide did not make the top 10 in 2016, but back in 2015, Nationwide was up in the number six spot with $1,444,782 written, measuring out to 4.3 percent of the market.
Just because Nationwide isn’t on top when it comes to numbers does not necessarily mean it isn’t the right choice for you. This is why getting quoted is strongly advised.
Nationwide’s net income for 2018 was $1.3 billion, which is up significantly from 2017’s $0.6 billion. Nationwide’s increase in net income juxtaposes the trend on an industry-wide scale. In 2017, the entire life insurance industry accumulated $37.7 billion in net income.
Compare that to 2018, when net income dropped to $28 billion. While the industry as a whole decreased by 25.7 percent, Nationwide increased its net income by 216 percent.
Nationwide’s Position for the Future
Since the financial crisis of 2007-2008, the insurance industry has recovered in a big way, and globally the industry continues to grow. Here in the United States, the life insurance industry has been on the decline.
|Premiums Written||Market Share|
As we can see from the table above, there have been slight fluctuations from year to year, but many companies are staying relatively stable and consistent. In the last year, there has been an increase in the total number of premiums written by these top companies. It’s fair to say Nationwide will continue to be consistent for the foreseeable future as well as most of its competitors.
Nationwide’s Online Presence
Nowadays, when any of us look for answers, we instinctively reach for our phones or laptops. Nationwide life insurance dominates its Google search.
Sometimes, though, you end up discovering questions you didn’t know you had and answers that can change your opinions. Nationwide has a lot of those avenues to go down just by searching or browsing through their website.
Once you’ve chosen to get your insurance through Nationwide, you have to find an agent. This person will guide you in taking care of your needs, help with any paperwork, and explain your policy or other policy options. On their website, Nationwide has developed a search tool to find an agent near you or help you find a specific agent, should you have one in mind.
Insurance companies have penetrated the world of advertisements and commercials. Usually, we can identify a company by its jingle within seconds. Nationwide has created a set of commercials playing directly on that concept, with “The Jingle Sessions.”
The comedic interactions between former NFL quarterback Peyton Manning and country singer Brad Paisley have become iconically paired with the Nationwide jingle. Take a look at this one:
Nationwide in the Community
In 1959, the Nationwide Foundation began as a nonprofit funded by Nationwide companies. The foundation’s mission statement is:
To improve the quality of life in communities in which a large number of Nationwide members, associates, partners, and their families.
Nationwide and its associates put a lot of time and money into the community. The Nationwide Foundation has donated nearly half a billion dollars to nonprofits, not to mention the thousands of hours spent volunteering from all levels within the company.
Nationwide partners with big-name nonprofits such as the American Red Cross, Feeding America, Nationwide Children’s Hospital, and United Way.
With a large company such as Nationwide — at over 28,000 employees — it is fantastic to hear about excellent employee satisfaction. At Nationwide, 82 percent of employees feel it is a great place to work.
Here is a breakdown of Nationwide’s employees into three generations: Millennials (22-38), Generation X (39-54), and Baby Boomers (55+). As we can see, the largest age group is Generation Xers with 42.4 percent, followed by Millennials with 37.4 percent, and leaving Baby Boomers as the smallest age group, with 20.2 percent.
One way to measure how great a company is is by looking at how long employees seem to stick around. Only 11 percent of employees have been at Nationwide for less than two years.
The largest group, with 28 percent, is employees that have been there for two to five years. By the look at the chart, it’s quite reasonable to assume that many, if not the majority, of those employees, will stay with Nationwide.
Employee satisfaction can be just as crucial to a business as customer satisfaction. When a customer has a bad interaction with an employee who hates their job, that customer will probably search for services elsewhere. Nationwide seems to have figured out how to satisfy their employees and customers.
- 91 percent of employees say they can take time off when needed
- 91 percent of employees feel good about the ways they and Nationwide contribute to the community
- 91 percent of employees say they felt welcomed when they joined the team
- 88 percent of employees say people care about each other at Nationwide
- 87 percent of employees say Nationwide facilities foster a pleasant work environment
Nationwide is a widely recognized and respected insurance company. Since 2011, they have been a top organization for learning and development. They have received the C. Everett Koop National Health Award for health promotion and disease prevention programs developed for their associates.
Nationwide has also received the Secretary of Defense Employer Support Freedom Award for their incredible support of those serving in the Guard and Reserve.
For four years in a row, Nationwide has made a list for Fortune 100 Best Companies to Work For. They made it on PEOPLE’s Companies that Care list for the past three years this year.
Computerworld has deemed Nationwide as one of the best places to work in IT. They have also landed on the best workplace lists for diversity, women, and even millennials.
Shopping for Life Insurance
In the 21st century, there is something for everybody. We have become super-consumers. Not only do we have phones and cable, but we have hundreds of thousands of entertainment subscriptions from which to choose. Not only do we have grocery stores, sit down restaurants and fast-food chains, but we pay people to bring us anything from anywhere.
Maybe it was your sedentary lifestyle, stress, or perhaps you got hit by a bus. Due to the lack of life insurance, your final expenses sent your family into bankruptcy. If you have more than the bare essentials and do not have life insurance, now is the time to start looking.
According to the 2018 Insurance Barometer Study, Life Happens, and LIMRA, three out of five adults in America either have a personal life insurance policy or one through work. That’s good unless those two out of five happen to fall into the 35 percent of American families that would immediately feel the financial impact of the breadwinner of the household passing.
Speaking of finances, 61 percent of people do not buy life insurance or do not buy more of it, due to having other financial priorities. Is it a coincidence that 44 percent of millennials overestimate the cost of life insurance by as much as five times? The time to stop guessing is now.
Average Nationwide Male vs. Female Life Insurance Rates
The ordinary, healthy, 35-year-old male could purchase a $1.5 million life insurance policy over a 20-year term for only $62 a month. The average, healthy, 35-year-old female could buy the same policy for only $58 a month. So what are you waiting for? Get a quote today.
Not all life insurance is the same. There is no one-size-fits-all, so it is essential that you understand what types of coverage are out there — not just how much it is going to cost.
Types of Coverage Offered
Nationwide offers a variety of coverage for individuals at ranging costs. These costs are affected by one’s lifestyle.
At Nationwide, the YourLife™ Whole Life Insurance plans pushed by the company seem like the complete package, but you should never jump into a policy without understanding all your options. Nationwide is also widely known for providing group life insurance for employers and their employees.
The purpose of term life insurance is to ensure coverage at your most vulnerable times. The NAIC defines “term insurance” such as life insurance payable only if the death of the insured occurs within a specified time, which is specific to each plan.
Starting a family or buying a new house are significant steps, but what happens to that family when tragedy strikes and the breadwinner of the house passes away?
These situations are what cause many people to look for term life insurance. They want a plan they do not have to pay forever but will offer enough to give them peace of mind when their lives are the most vulnerable.
Term life insurance policies tend to be very specific. You only pay for however long your term is: 10, 15, 20, or even 30 years. Also, you can choose how much money your family would need to compensate for the lack of income. A significant aspect of this kind of coverage is that your premiums will never change.
There are a few additional features available for group term life insurance.
- Accidental death and dismemberment coverage
- Dependent life coverage
- Domestic partner coverage
- Accelerated death benefit
- Secure account for beneficiaries
- Waived premiums for employees facing total disability
There are also options for employers that provide flexibility:
- A fully employer-funded plan (all employees)
- A partially employer-funded plan (75 percent of employees)
- A voluntary program that is entirely paid by the employee (at least ten employees)
By NAIC definition, whole life insurance is in place for a person’s entire life and pays a benefit upon the person’s death, whenever that may be. In essence, whole life insurance is a permanent type of life insurance where the premium payments do not change throughout the policy. It allows the flexibility of payments to occur annually, semiannually, quarterly, or monthly.
One benefit of a whole life insurance policy is, if something happens while you are alive, you can borrow against your plan in the form of a cash loan. Another positive is that it can be easy to predict the growth of the policy’s cash value due to the fixed rate of interest that accrues.
With a universal life insurance policy, you have permanent, life-long coverage that can be altered to accommodate for unforeseen life events.
The NAIC explains universal life insurance as, adjustable life insurance under which, premiums and coverage are flexible. Additionally, company expenses remain undisclosed to the insured, but a financial report is provided to policyholders annually.
Universal life insurance policies help you focus on your life without worrying about the wealth you pass on to your family. This type of coverage allows you to accumulate cash value to supplement your retirement income. The flexibility of being able to access the cash value of the policy is a major plus for many people. However, this can often reduce the death benefit.
Burial and Final Expense
In most cases, burial insurance is a part of whole life insurance policies. Death benefits are an alternative term and are given directly to the family — usually tax-free — to cover final expenses.
Factors That Affect Your Rate
Insurance companies and their policies are far from one-size-fits-all. Many different characteristics can affect your rates. The insurance companies’ goals are to maximize profits and the number of premiums while minimizing and assessing the risks.
Age is the number-one factor when it comes to setting a price for life insurance premiums. The younger you are, the less likely the insurance companies will have to pay out soon. This is important to be aware of because of your monthly payment more than doubles between 30-60 years old.
Gender is another factor that lies outside of our control when it comes to affecting life insurance rates. Women, in general, live longer than men and, as you could guess from the logic above, longer life expectancy equals lower prices.
Current Health & Family Medical History
Before an insurance company agrees to insure you, a medical exam — where blood pressure, cholesterol, and the heart are looked at and assessed, as well as overall health evaluation — must be performed. Insurers may also request your full health records before insuring you.
This is to check for severe conditions such as high cholesterol, diabetes, or high blood pressure, which would increase your rates.
Some of these medical conditions can be managed or minimized. However, there is a medical history that cannot be overshadowed or diminished. Complicated family medical history (i.e., stroke, cancer) and pre-existing medical conditions of your own often have a negative effect on life insurance rates.
What you do for a living may be the reason why you are interested in a life insurance policy. Insurance companies will charge you more; the higher your risk is on the clock. Construction and transportation are two industries with a high number of fatal work injuries, and your dream of becoming a pilot will be costly, as well.
Insurers are very interested in what you do in your everyday life. Smoking causes insurers to increase their rates. If you devalue your life by making unhealthy choices, the insurance companies will identify the risk and charge you more engaging in activities likely to make your life shorter.
Smoking is a major behavior evaluated, but it is not the only one. Do you have one or many instances on your driving record relating to speeding, reckless driving, or driving while under the influence of drugs or alcohol? Whatever insurance company you go with, they will be looking at it and charging you accordingly.
Those adrenaline junkies out there may be charged a high premium because they choose high-risk activities, like skydiving or racing cars. How much weight each factor holds varies from company to company. This is why getting quotes is so important when it comes to maximizing your policy and your dollar.
Veteran or Active Military Status
During active military service, there is a low-cost option called the Servicemembers’ Group Life Insurance or SGLI where you are automatically enrolled and under the maximum coverage if you qualify. You may deny or change the coverage, but it is available to all military members.
What happens when you are no longer active duty? Veterans who had an SGLI policy are eligible to switch to Veterans’ Group Life Insurance. A plus side to this that no proof of good health is necessary. There is, however, a maximum of $400,000 worth of coverage.
Getting the Best Rate with Nationwide
Shopping for insurance can be overwhelming and stressful — you need to decide which company, what type of policy, how much coverage, etc. Along with getting a quote, we want to give you a few tips on how to get the best rates.
Nationwide requires a health exam for nearly all life insurance policies, big or small. There are a wide variety of rates that can come about. Below are a few examples to try and put it in perspective.
For 25-year-old male smokers, a 10-year term life policy worth $100,000 would cost roughly $22.52 a month. In contrast, a female of the same age with the same policy would only pay $19.14. Jump ahead five years, and their prices drop to $22.34 and $19.05, respectively.
Now, you might be thinking, What about the people who don’t smoke? Non-smoking males with the same policy would only pay $13.35 at 25, and $11.75 at 30. Non-smoking females pay even less on average, at $12.91, and $11.48 at 25 and 30 years, respectively.
Let’s say $100,000 for a 10-year term just isn’t enough coverage. Those same smoking men would pay $124.60 at 25 and $135.73 at 30 for a $500,000/30-year policy. The women would pay $110.36 and $102.35. The non-smokers won’t even pay half that cost, with males sticking around $40 and females in the low $30-$33 range.
If those same groups of men and women were to wait 25 years to buy life insurance (assuming rates stay about the same) they would pay on average two to three times the amount, sometimes up to four times what the younger folks are paying.
Nationwide offers an affinity solutions program, their version of a loyalty program, where bundling is made easy, and discounts for various coverages are available. SmartRide is a discount program for car insurance. When it comes to life insurance, though, there are programs like YourLife® and CareMatters® which manage long-term care and life insurance.
Nationwide provides the public with many informational articles to assist in understanding insurance, as well as tips and multiple FAQ pages. They separate everything by topic to help visually guide the user to answers and information about whatever type of insurance you are looking for.
Nationwide provides resources for insurance, banking, small business, and investing situations. The most useful resources are the tools for assessing what type of insurance is right for you, and what are the rates that match the types of coverages you are seeking.
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Canceling Your Policy
When you decide to cancel a life insurance policy, there are a few things you should consider first. If you are canceling due to the loss of a job or because your boss stopped making payments, it is best to talk to your local agent to see if any other options would work for you. Be aware there can be cancellation fees or penalty fees for terminating your policy.
At Nationwide, they refer to such fees as a surrender charge. These fees are only charged during the surrender charge period, which varies depending on the policy. According to the Securities and Exchange Commission (SEC), a typical surrender charge period for life insurance lasts about six to eight years, but some policies can have a period lasting upwards of 15 or 20 years.
Just like anything else dealing with insurance, it all depends on your policy. Generally speaking, if you have term life insurance, you would only get a refund for prepaid premiums for the future. With whole or universal life insurance, there is usually has a cash value aspect that would be refunded.
How to Cancel Your Policy
# 1 – Have All Your Accounts and Personal Information on Hand
# 2 – Contact Your Local Agent
- To find your local agent, visit their website.
- On the left-hand side of your screen, there will be a box within the photo banner. Click on “Find an agent.”
- Next, you may search for your city and state or zip code. You may also scroll down and select your state and then your city.
- Lastly, put your cancellation request in writing and send it to the company, as well.
If you don’t mind paying penalty fees, you can cancel any time. Most life insurance policies will include a surrender charge period, which is typically six to eight years but varies depending on the policy.
How to Make a Claim
When your loved one passes on, making a claim on their life insurance policy will probably not be the first thing on your mind, though you’ll quickly come to realize that making a claim is a necessity.
With funeral expenses and bills piling up, you will be thankful your loved one made having a life insurance policy a priority. Nationwide and other insurance companies understand this and have tried to simplify the process of making a claim.
At the moment, making a life insurance claim can seem very overwhelming and emotional. This is why it is not surprising that insurance companies like Nationwide have taken steps to ensure a process as streamlined as possible.
Nationwide can always be reached by phone, but in the world of technology, filing a claim online can be just as fast and easy. When you visit Nationwide’s website, click on “claims” at the top of the page.
After selecting “Life/Annuity,” you will be redirected to an online death claim form. It will be beneficial to have the policy number handy. Along with the form asking for the information of the deceased and claimant, Nationwide will want a copy of the death certificate.
How to Get a Quote Online
#1 – Go to Website and Select “Life” in the “Get an Online Quote” Box
#2 – Click on the “Get Started” Button
#3 – Click on “Find Your Cost” for a Term Life Insurance Quote
- If you want a quote for whole, universal, or variable life insurance, call the number below.
#4 – Fill Out the “About You” Section and Click the “Review Your Term Life Quote” Button to Submit Your Information
#5 – Then, “Review Your Term Life Quote” and “Purchase Term Life Insurance”
- That section offers contact information.
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Design of Website/App
Nationwide’s website is fairly straightforward and easy to use. It is separated into personal and business insurance with tabs at the top of the home page.
There is a ton of information available, from all the different kinds of insurance and financial options offered by Nationwide to articles in their company blog. They have their internal search engine that provides relevant results fast.
Nationwide’s website may be great, both informational and helpful, but Nationwide’s app doesn’t seem to be the best. On Google Play™, the app received four stars, but the amount of one-star reviews is worrisome.
Many of the negative reviews revolve around how slow and glitchy the software is. The app can only be used by members and requires a sign-in on the first screen. The app, when it works, seems to be good for paying bills and little else.
Pros & Cons
There are many reasons Nationwide is a well-known and trusted company. With that being said, no one and no company is perfect.
- Nationwide’s parent company offers nearly every type of insurance. If you want to add coverage, you have the option of doing it all in one place.
- Nationwide’s website is easy to use and helps you access all your policies in one place.
- Exactly as the name states, Nationwide is available in all fifty states, with hundreds of local agents ready to help you.
- Every major rating agency puts Nationwide in or near the group of superior insurance companies.
- Nationwide may not be the cheapest choice for everyone, especially those with certain pre-existing conditions like diabetes.
- The mobile app for Nationwide has left many customers wanting a less glitchy and more informational app.
The Bottom Line
Life insurance may not seem that important to someone young and healthy because they plan on living for quite a while. Unfortunately, we all know this isn’t always how it plays out. At Nationwide, they offer all types of coverage, making the odds of finding one that suits you, extremely likely.
You shouldn’t be scared into buying the first policy you come across without knowing if it’s the right and cheapest option for you. The agents at Nationwide are friendly and informative.
The whole point of having life insurance is to be able to live life, knowing that if something were to happen, your family would be protected from a financial disaster. Nationwide can help with that and more.
There are a variety of policies at Nationwide that assist in gaining a versatile financial safety net for you while you’re still alive as well as help you build wealth for you and your family in the manner that most suits your budget.
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#1 – How much does an average life insurance policy cost at Nationwide?
The average cost of life insurance varies by the type of policy. In general, term life insurance policies cost less per year than permanent policies, but for a good reason.
Most permanent policies increase in value the longer the person stays alive. With term life insurance, if the holder outlives the original policy and wishes to obtain a new one, their premiums are going to be way more than the permanent policyholder.
Nationwide puts this to the test with their YourLife® program, which includes whole life policies plus discounts and flexibility. Besides your monthly payments, however, some other fees and charges can be added to your bill, including but not limited to administration fees, surrender charges, or mortality and expense risk charges.
For an estimate, use our quote tool at the bottom of the page.
#2 – Can my employees pay for or share the costs of these plans?
Yes. As an employer, you are free to choose how much you will cover. You could pay for all, part, or none, and the rest would be paid for by your employees.
#3 – Why is term life from Nationwide a good option?
Term life insurance is generally the most affordable type of life insurance. Also, it is most beneficial for those who are in potentially vulnerable financial situations. Those with small children or a new mortgage would benefit the most from having this type of financial reassurance.
Nationwide has a life estimator tool on their website that will help you determine how much coverage and how long of a term would be best for you.
#4 – Why should I get coverage from Nationwide now?
The longer you wait to get life insurance, the more you will end up paying down the line. Unfortunately, unexpected deaths happen more often than we wish to know. Isn’t it better to live knowing your family would be financially stable if something tragic were to happen to you?
Nationwide has a variety of policies that assist in growing wealth, as well as allow you to borrow against your policy.
Use our FREE tool below to find affordable life insurance!