Helping Insure What Matters The Most To You
Nationwide YourLife® Guaranteed Level Term Insurance
Nationwide’s Guaranteed Level Term plan provides level premiums for the length of the policy you select — either 10, 15, 20 or 30 years. While a medical examination is required, the process is quick and noninvasive and enables you to get the protection you need, hassle-free. This policy contains many add-on features (known as riders) which help boost your coverage. Some of these riders include:
Spouse and Children’s Term Insurance Rider
Protects your entire family on one policy.
Waiver of Premium Disability Rider
Helps protect your policy form lapsing in the event that you become disabled.
Accelerated Death Benefit Rider
This helps you gain access to your death benefit in the event of a terminal illness (based on issue state approval).
This plan also contains the flexibility to convert your base policy and Spouse rider to permanent coverage of equal or lesser value, which comes in handy should your needs change down the road–no additional medical requirements or underwriting involved.
Nationwide YourLife WL Insurance
If you’re looking for a permanent plan to cover your future needs, the Nationwide Your Life plan contains maximum coverage that changes along with you. This plan comes with two payment options:
WL 100
In which premiums remain level until they stop at age 100.
20-pay WL
Where premiums remain level until the policy is paid after 20 years.
This plan provides predictable, fixed premiums, income tax-free death proceeds and guaranteed cash value and death benefits. The cash value accumulated in your plan can be used as a loan when needed (certain restrictions apply), or to help your children or grandchildren get a head start on life at a low rate.
Universal Life Insurance Products
Nationwide offers a variety of universal life insurance plans that help meet your financial needs.
YourLife® Indexed UL
Is much like a traditional universal life policy. However, where traditional UL credits a fixed interest rate to your cash value, the interest credit in this policy is based on measured performance of a market index. Your money is never directly invested in the stock market, so you’re fully protected from any market losses.
YourLife® SUL II
HCovers two people, such as a spouse or a business partner, under one policy. A Guaranteed death benefit is paid after the second person passes away, so long as premiums are paid as scheduled—even up to age 120. This plan allows you to financially protect the future of your family (such as dependents with lifetime special needs) and is a useful option in cases where one partner is uninsurable.
YourLife® Single Premium UL
Allows you to secure the future of your children without giving up control of your assets. It’s a tax-efficient way to achieve financial growth and obtain a tax-free inheritance for your family, secured by a no-lapse guarantee (so long as premiums are paid and no loans or withdrawals are taken).
YourLife® Current Assumption UL
Allows you to secure the future of your family with low, flexible premiums, a guaranteed death benefit and the opportunity for low-risk, conservative savings growth that can be accessed in times of emergency or saved for future generations.
YourLife® No-Lapse Guarantee UL
A low-maintenance universal life policy that allows you to replace income with an income tax-free death benefit, establish a Charitable Remainder Trust and pass wealth onto future generations. It’s great for financial and estate planning and, like other Nationwide Universal Life plans, offers cash value accumulation.
Variable Universal Life Insurance Products
Nationwide offers a variety of variable life insurance plans that help meet your financial needs.
YourLife® Protection VUL
Offers tax-deferred cash value and income tax-free death benefits. Additionally, it offers unique market potential tax advantages and more than 80 investment options to choose from, which makes this plan a strong investment tool for you and your family’s future.
YourLife® Accumulation VUL
Offers flexible protection and the opportunity for potential growth in the future. It offers income tax-free cash value growth potential, various investment options as well as tax-free exchanges between the options of your choice, and income tax-free loans and withdrawal opportunities from cash value.
YourLife® Survivorship VUL
Covers two people under one policy and guarantees a death benefit once the second insured person has passed away. Investment options are available (at market risk) and so money you put towards your policy has potential to grow. It is a useful option for estate planning and income replacement, as well as in cases where one person (spouse or business partner) is uninsurable.
We Make Choosing Life Insurance Easier
All you need to do is answer a few questions for us and we’ll be able to narrow down the best life policies for you. Call today to schedule your free appointment at either our Pembroke Pines or Miami office, and to receive a free quote from one of our insurance brokers.
