Nationwide life insurance riders and features
Add an optional rider or feature to your life insurance policy for additional coverage and protection potential.
Just keep in mind that some riders may have an additional charge, may have varying availability by state and may not be available in combination with other options or features. Guarantees and riders are subject to the claims-paying ability of the issuing company.
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Long-term care
Long-term Care Rider II
This rider will accelerate a portion of the death benefit in the event of a long-term care need.
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Living access benefits
A suite of features automatically included on most policies from Nationwide that allows you to access a portion of your death benefit when one of life’s unexpected events occurs. There is no additional charge unless you use them.
Chronic Illness Rider
Allows you to request a portion of your death benefit early if diagnosed with a permanent chronic illness
Critical Illness Rider
Allows you to request a portion of your death benefit early if diagnosed with a critical illness, such as a heart attack or cancer.
Terminal Illness Rider
Allows you to request a portion of your death benefit early if diagnosed with a terminal illness.
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Additional riders
Children’s Term Insurance Rider
Get a life insurance benefit if any of your children pass away
Premium Waiver Rider
If you become disabled, this rider credits a monthly premium to your policy after a 6-month elimination period.
Waiver of Monthly Deductions Rider
Pays all monthly deductions while you’re disabled, after a 6-month waiting period.
Accidental Death Benefit Rider
Pays an additional amount if the death is caused by an accident
Extended No-Lapse Guarantee Rider
Provides the ability to guarantee the death benefit, regardless of policy performance.
Estate Protection Rider
Provides an additional amount of benefit to help offset any additional estate tax that may be due if the life insurance policy is included in the estate.
Guaranteed Insurability Benefit Rider
Provides the right to purchase additional life insurance coverage later in life.
Overloan Lapse Protection Rider
Protection against lapse on heavily loaned policies
Optional riders that customize a policy to fit individual needs usually carry an additional charge and are only available through the purchase of variable universal life insurance products. Riders may be known by different names in different states and may not be available in every state.
Variable products are sold by prospectus. The product and underlying fund prospectuses contain this and other important information. Investors should read them carefully before investing. To obtain a product prospectus call 1-800-321-6064, contact an insurance professional or click on the prospectus link on Nationwide.com.
Guarantees are subject to the claims-paying ability of the issuing life insurance company. They don't apply to the investment performance or safety of the underlying investment options. Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general public.