Whole life insurance provides coverage for an individual's entire life, rather than for a specified term. A savings component, called cash value, builds over time.
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Whole life products
Be sure to choose a product that meets long-term life insurance needs, especially if personal situations change — for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit individual needs usually carry an additional charge.
Guarantees and protections are subject to Nationwide's claims-paying ability.