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By adding an Acceleration of Life Insurance Death Benefit for Qualified Long-term Care Services rider to a Nationwide® life insurance policy, you accelerate the death benefit to pay for long-term care. Benefits can be used for home health care, assisted living, a nursing home, adult day care or other qualifying services. After paying for long-term care costs, you can use the excess funds any way you wish.

How does a long-term care rider work?

You select the long-term care amount when you buy your policy. Benefits are paid income tax-free after qualifying requirements are met.

If you never need long-term care, your beneficiaries will receive an income tax-free death benefit as long as your policy remains in force. If you do need long-term care, your beneficiaries will still receive the greater amount (less any policy debts) between:

  • Any unused long-term care benefits OR
  • 10% of the base policy’s specified amount (thanks to the guaranteed minimum death benefit)

For specific details, please refer to the product prospectus.

Long-term care resources

Long-term care brochure

Planning for long-term care costs

Available products

The Nationwide long-term care rider, offered at an additional cost, is not available in all states. The name of the rider may not actually be long-term care rider in certain states.

Protections and guarantees are subject to the claims-paying ability of the Nationwide Life Insurance Company. They do not apply to the investment performance or safety of the underlying investment options.

Optional riders are only available through the purchase of a universal life or variable universal life product.