Find out how our fast service, competitive, transparent offers and dedicated support at every step make us a life insurance partner you can depend on.
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Learn how Nationwide Underwriting’s philosophy empowers our underwriters to make more competitive offers first with fewer requirements.
Nationwide Underwriting is composed of a unique combination of digital capabilities, transparent communication and human perspective to ensure each client quickly gets the best offer possible for their individual situation.
Financial professional submits a shortened paper or electronic application.
Client answers personal and health questions either electronically or over the phone.
The underwriter reviews the interview results and additional data to determine if more information is needed.*
The underwriter uses data and human perspective to decide the best offer possible for each client’s unique situation.
* Sometimes a medical exam, labs, electronic health records and other requirements may be needed.
Our quality underwriting programs are designed to help you present the best offer possible on every case. We discuss them briefly here, but you can find more details about each in the program guide (PDF).
Celebratory cigar: This program allows individuals who occasionally smoke cigars to qualify for Preferred Plus Nontobacco (up to 36/year) or Preferred Nontobacco rates (37+/year) if they’re otherwise healthy and qualify.
Marijuana use: Recreational marijuana users may qualify for Nontobacco rate classes depending on their frequency of use and subject to restrictions.
Wellness Credits Program: For clients who maintain a healthy lifestyle, our wellness credits could result in a better underwriting classification and price for their life insurance by meeting specific factors.
Placement Improvement Program: With this program, clients who would be rated a Table C or better with traditional company underwriting procedures may be able to receive a Standard rating on select permanent products.
Term + Perm: Allows clients who are either U.S. citizens with an eligible term policy or permanent residents with a 10-year issued green card and an eligible term policy to buy a new permanent life insurance policy from Nationwide without current medical requirements.2
Competitor match: When clients ages 25 to 70 have 2 matching final offers or formal applications on permanent products from qualifying carriers, Nationwide will match that offer if we originally rated them a Table C or better. Refer to the program guide (PDF) for a full list of qualifying carriers and parameters.
Nationwide Executive Advantage: Nationwide® Executive Advantage is a streamlined underwriting program for face amounts up to $50 million3 to help meet the needs of your busiest clients.
[1] Not all products qualify for fluidless underwriting, including Nationwide Survivorship Indexed UL, Nationwide Survivorship VUL II, Nationwide CareMatters and Nationwide CareMatters Together.
[2] Permanent residents must have been in the U.S. at least 12 months.
[3] Amounts over $10 million require a minimum net worth of $5 million.
Nationwide CareMatters and Nationwide CareMatters Together are service marks of Nationwide Mutual Insurance Company. Third-party marks that appear in this message are the property of their respective owners.
