Nationwide Insurance reviews

One Nationwide Plaza

Columbus, OH 43215-2220

Nationwide Life Insurance 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.

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 TypeProduct Name
Term LifeYourLife Guaranteed Level Term
Whole LifeYourLife Whole Life
Universal LifeYourLife UL
Long Term CareCareMatters
Product NameTerm LengthIssue Age
YourLife Guaranteed Level Term10 Year Term 18 years to 70 years
YourLife Guaranteed Level Term15 Year Term 18 years to 65 years
YourLife Guaranteed Level Term20 Year Term 18 years to 65 years
YourLife Guaranteed Level Term30 Year Term 18 years to 50M/55F years
Rate Classes Offered
Tobacco
Non tobacco
Carrier NameA.M. BestStandard & Poor’sComdex
NationwideA+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.

Linked Benefit

Nationwide’s CareMatters product is best in class and it offers LTC coverage via linked benefit of a universal life insurance policy.