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Get lifetime coverage, as long as you pay your premium when it’s due.
Two payment options
When it comes to a whole life insurance policy, you have choices. Select the payment option that works best for you.
Whole Life 100: Premiums are the same until they stop when you turn 100.
20-pay Whole Life: Premiums are the same until the policy is paid after 20 years.
Available whole life policy riders & options
Our Living Access Benefits are automatically included on most policies from Nationwide, allowing you access to a portion of your death benefit if 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.
Want to customize your policy to meet your specific needs? We have optional riders available for additional coverage and protection potential1.
Accidental Death Benefit Rider
If you have a fatal accident, your beneficiaries will receive additional funds on top of your regular death benefit.
Children’s Term Insurance Rider
This rider pays a life insurance benefit in the unfortunate event of the death of a child.
Guaranteed Insurability Benefit Rider
Guarantees you the right to purchase additional permanent life insurance policies.
Premium Waiver Rider
If you become disabled, this rider credits a monthly premium to your policy after a six-month elimination period.
 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.
Please read this important information
Guarantees and protections are subject to Nationwide's claims-paying ability.