Nationwide LTC Rider

When you add the long-term care rider to your policy, any payout is an acceleration of your life insurance death benefit.

• You select the long-term care specified amount when you buy your policy.

• The long-term care 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 of any unused long-term care benefits or 10% of the based policy’s specified amount (less any policy indebtedness) thanks to the guaranteed minimum death benefit.

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