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Life Insurance with AD&D

We're helping employees build a financial protection plan

Protecting our families and providing support for the people who depend on us may be one of the most important accomplishments of our lives. But funeral expenses, medical bills, taxes and debts can quickly create a financial burden when a family provider is permanently disabled or passes away unexpectedly.

Term Life Insurance (PDF) can provide peace of mind for family members after the loss of a loved one. Dependents will have the financial support they need to help cover final expenses, support daily financial obligations or even assist with a child's education.

Term Life Insurance - a smart choice

Nationwide Employee Benefits^SM Term Life Insurance plans offer employees a solid base for their family's financial protection plan. They also protect beyond the base coverage in the form of additional benefits for beneficiaries and may include an option to purchase protection for family members, including domestic partners, with dependent life coverage.

Our plans feature options for:

• Accidental Death & Dismemberment (AD&D) coverage
• Dependent Life coverage
• Domestic Partner coverage (subject to state mandates)
• Accelerated Death Benefit
• Secure Account for beneficiaries
• Waived premiums for employees facing total disability
• Term Life Plan Provisions

The Accelerated Death Benefit may allow the insured to receive a a portion of their life insurance benefit in the event they are faced with a life-threatening illness. And in the event of a sudden loss, the AD&D coverage provides additional benefits to beneficiaries if the insured suffers an accidental death, or additional payment to the insured if they suffer a qualified loss as a result of accidental injury.

A Nationwide Bank Secure Money Market Account provides beneficiaries a safe place to keep the policy proceeds while they consider their options during a difficult time. Benefit payments of $25,000 or more are distributed in the form of an interest bearing account.

Flexibility for Employers

Employers will enjoy the flexibility our Term Life Insurance plans offer, too. Some employers may elect to fund 100% of the plan or to share in the cost of the plan with their employees as a way to offer this valuable benefit while watching their budget. Choose what's right for your organization and employees from a variety of plan designs:

• A fully employer-funded plan (must include all eligible employees*)
• A partially employer-funded plan (must include 75% of eligible employees*)
• A Voluntary Plan that is fully-paid by the employee (must include the greater of 10 eligible employees or 25% of those eligible to enroll)

*All plans are available to groups of 51 or more eligible employees. Products are not available in all states. The benefits outlined are for illustrative purposes only and should not be considered a proposal for coverage. Limitations and exclusions apply.

Employee Assistance Program (EAP)

A strong Employee Assistance Program (PDF) promotes better employee productivity and well-being. Included with our group term life/AD&D insurance, EAP services help employees and their household members obtain free and confidential access to extensive work/life resources, including:

• Advice on handling difficult life events, like losing a loved one
• Parenting information and services
• Child and elder care provider databases
• Online financial tools and calculators
• Identity theft consultation and more

Travel Assistance Protection

Nationwide has partnered with On Call International to provide Travel Assistance Protection (PDF) for group term life/AD&D insurance policyholders. When employees and their household members are traveling for personal or business purposes more than 100 miles from home for trips up to 90 days, they have access to services such as:

• 24 hour access to a multilingual service center
• Emergency medical assistance
• Locating doctors, dentists and medical facilities
• Coordination and payment for medical evacuation and more

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