Nationwide life insurance riders & features
Add an optional rider or feature to your life insurance policy for additional coverage and protection potential.
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Living benefit riders
Children’s Term Insurance Rider
Get a life insurance benefit if any of your children pass away.
Long-term Care Rider II
Use your death benefit to pay for long-term care.
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Death benefit riders
Accelerated Death Benefit for Terminal Illness Rider
Get a one-time lump sum payment of a portion of your death benefit if you’re diagnosed with a terminal illness.
Accidental Death Benefit Rider
Give your beneficiaries more money on top of your regular death benefit if your death is caused by an accident.
Estate Protection Rider
Offset any additional estate tax that may be due if your life insurance policy is included in your estate.
Extended Death Benefit Guarantee Rider
Guarantee all or part of your life insurance death benefit, regardless of fund performance.
Extended No-Lapse Guarantee Rider
Includes an automated monitoring service to help you keep on track.
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Additional features
Additional Term Insurance Rider
Get the death protection you need, while having the opportunity to grow the cash balance of your life insurance policy.
Change of Insured Rider
Change who’s insured on your life insurance policy.
Guaranteed Insurability Benefit Rider
Have the right to purchase additional permanent life insurance policies.
Overloan Lapse Protection Ride
Take loans and withdrawals without fear of your policy lapsing.
Policy Split Option Rider
For survivorship policies insuring 2 people. Exchange your policy for 2 individual policies within a year of a life event, such as divorce.
Premium Waiver Rider
If you become disabled, this rider credits a monthly premium to your policy after a 6-month elimination period.
Surrender Value Enhancement Benefit
Your surrender charges can be adjusted if your policy is surrendered during the first 4 years.
Waiver of Monthly Deductions Rider
Pays all monthly deductions while you’re disabled, after a 6-month waiting period.
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.