Nationwide Life Insurance Reviews

Geek Reviews

Nationwide life insurance is an insurance giant in the US, with almost nine full decades in the business. Insurance-seekers can rest assured that Nationwide’s strong reputation and reliability will result in continuity of their policies. Generally, we see Nationwide rated highly across the board for their products and customer service.

Through Nationwide’s “intelligent underwriting” process, developed to streamline the insurance interview and save time, digital online interviews and policy status checker program, Nationwide is committed to simplifying the underwriting process and offering whole life insurance and term life options and riders at reasonable rates.

Products Offered

Nationwide’s YourLife Term Life options offer premium periods from 10, 15, 20 to 30 years, renewable until the policyholder’s 95th birthday. Converison is an option until age 65. If the permanent policy value is larger than the term policy, additional requirements are possible.

Product Type	Product Name
Term Life	YourLife Guaranteed Level Term
Whole Life	YourLife Whole Life
Universal Life	YourLife UL
Long Term Care	CareMatters

Product Name	Term Length	Issue Age
YourLife Guaranteed Level Term	10 Year Term	18 years to 70 years
YourLife Guaranteed Level Term	15 Year Term	18 years to 65 years
YourLife Guaranteed Level Term	20 Year Term	18 years to 65 years
YourLife Guaranteed Level Term	30 Year Term	18 years to 50M/55F years

Rate Classes Offered
Tobacco
Non tobacco

Strengths

Carrier Name	A.M. Best	Standard & Poor’s	Comdex
Nationwide	A+	A+	91

Nationwide Intelligent Underwriting

The streamlined intelligent underwriting process allows for quicker decision times, less underwriting requirements, a faster, potentially no-exam process for healthier customers, and reduced paperwork time overall.

We have had healthy clients issued with up to 1.5 million dollars in death benefit who did not need to take the exam due to Natiowides Intelligent Underwriting.

Business Owners

Nationwide is great at designing and planning cases for small business owners. They have an abundance of resources for COLI and BOLI planning and Life insurance retirement planning case design. Nationwide offers a free business valuation that can help small business owners with planning for the future. they offer this free of charge and it is a great value add.