SEGUROS1ENGLISHProtect What’s Important With Life Insurance From Nationwide

In today’s financial environment, it’s important to know that there are some things you don’t have to worry about. Life insurance can be the foundation of financial security for you and your family. It can be the base upon which other insurance and investment decisions are built.

Coverage and features to consider when choosing life insurance
Basic protection − Do you need life insurance just to provide financial support to your survivors if you die unexpectedly? Term insurance generally provides coverage at a lower cost than other types of insurance and can cover a specific length of time.

Market participation and cash value − If you need insurance protection for the long term, want the potential to build cash value (money from which you can borrow, even during your lifetime) and have a little more money to spend, consider permanent life insurance.

There are three types of permanent insurance:

  • Whole life insurance builds value based upon a set schedule. You’ll know the exact cash value of your policy on each policy anniversary. (If you take a loan or withdrawal from your policy, of course, the cash value and death benefit will decrease.)
  • Universal life insurance earns a fixed interest rate on the cash value in the policy. While the interest rate may change over time, it will never dip below a guaranteed minimum rate.
  • Variable universal life insurance lets you invest your cash value in the stock market, so your policy value goes up or down based on the performance of your investment choices. The investment subaccount options in VUL policies are not offered for sale to the general public.

How long should your coverage last? Do you need life insurance coverage just for a specific timeframe – like while you’re paying off your mortgage?

Term life insurance offers protection for a set period. All other types of insurance cover you for life, as long as the necessary premiums are paid.

Fees and charges − Before you buy, ask about the fees and charges associated with a life insurance policy, how they’re calculated and what they’re for.

Access to your money − Will you need to take money out of your policy in the future, for instance, to pay college tuition or to take retirement income?

Most whole, universal and variable universal products let you withdraw money from your policy or take loans.1 Some, however, restrict when you can take money, how much you can take and, in the case of loans, the interest rate.

Flexible payments − Some universal and variable universal life products let you make flexible payments once you’ve paid enough to cover your policy charges.

SERVICIOS2ENGLISHNationwide car insurance can cover you for accidents involving other vehicles, vandalism, weather, animals, bodily injuries and more. As a Nationwide member, you can select the coverage you get because our policies are customizable – you can choose the auto insurance policies that suit your lifestyle. You can have peace of mind knowing Nationwide will provide you and your car with great protection on the road. Take a look at the various coverage types below to find out which one is right for you.

Liability coverage.- Many state laws require liability coverage, also known as “property damage/bodily injury.” It can help cover expenses from damaging a vehicle to injuring a person in an accident.

Collision coverage.- Collision coverage can help pay for damage to your car after an accident involving another vehicle.

Comprehensive car insurance.- Known also as full coverage auto insurance, comprehensive coverage can help pay for damage to your car from vandalism, weather events and accidents involving animals.

Vanishing Deductible®.- We want to reward safe drivers. Our exclusive program reduces your deductible $100 for every year of safe driving.

Uninsured motorist insurance.- Uninsured motorist insurance coverage helps protect you and your vehicle from uninsured drivers and hit-and-run accidents.

Medical payments coverage.- Mandatory in some states, Med Pay coverage can help cover medical costs related to an accident, regardless of who is at fault. In addition, personal injury protection can help defray costs from medical bills and lost wages as the result of an accident.

Personal injury protection (PIP) insurance.- Personal injury protection insurance can help defray costs from medical bills and lost wages as the result of an accident.

Accident Forgiveness.- Accidents are hard enough. Learn how you can avoid a rate increase following the first at-fault accident on your policy. In addition, gap insurance coverage can help cover the amount you owe on your new car after an accident.

Roadside Assistance.- This optional auto insurance coverage can help you if you need a tow, run out of gas or get a flat.

Towing and labor insurance.- This coverage can reimburse you for a tow and for the labor costs to get your car up and running again.

Rental reimbursement insurance.- Rental car reimbursement helps pay for a rental car if your own vehicle can’t be driven after an accident.

SERVICIOS3ENGLISHNationwide offers a range of home insurance policies to cover you in the event of theft, water backup, personal injury and other types of losses. We not only cover your home, but also you, your family and your personal belongings. Read more about our homeowners insurance coverage types below and start your homeowners insurance quote today.

Dwelling coverage.– This insurance helps protect the structure, built-in appliances and wall-to-wall carpet of your house from damage.

Replacement cost plus.- This coverage can pay an additional amount of your home coverage limit if additional money is needed to rebuild after a loss.

Water backup of sewer.- Broadens the coverage for loss due to water backup through sewers or drains.

Valuables Plus®.- This insurance provides additional coverage for high-value items such as jewelry, watches, antiques and fine art.

Other structures coverage.- This option covers property not attached to your house. This can include a detached garage or a gazebo.

Contents coverage.- This protection helps cover your furniture, clothing and other items in your home from covered losses as defined by your policy.

Personal liability.- This insurance consists of two parts: bodily injury and property damage. If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

Personal umbrella liability insurance.- A personal umbrella policy offers an extra layer of protection for your assets. This includes bodily injury, property damage and personal injury to others for which you are held liable.

Medical payments to others.- This coverage may help pay for medical or funeral expenses of someone who is injured on your property.

Ordinance or law insurance.- This insurance may help pay to rebuild your house to current building codes after a covered loss.

Flood insurance.- This option protects your house and its contents from flood damages. It is a separate policy with its own deductible.

Earthquake coverage.- This insurance provides additional coverage due to earthquake damage. A separate deductible applies.

SERVICIOS4ENGLISHSmall businesses drive the American economy. We understand that small business owners like you work hard every day, taking risks to better serve your customers, employ more people and strive to be successful. As the #1 Total Small Business Insurer1 and 7th largest commercial insurance carrier, we can help you build and protect your business by providing customized insurance solutions to support you and your budget. You can rely on our financial strength and stability to be there when you need us most.

A businessowners policy, also known as BOP insurance, combines various insurance coverages with additional protection into one convenient package. If you’re not sure what coverage is right for your business – or have not considered a BOP – learn how a BOP with Nationwide can protect your business.

A BOP from Nationwide includes:

Property Damage

  • Building and/or Business
  • Personal Property

General Liability

  • Personal & Advertising Injury
  • Bodily Injury & Medical Payments
  • Property Damage (Others Property)

Business Income

  • Lost Income due to business interruption

Some Additional Coverage Options:

  • Professional Liability
  • Equipment Breakdown
  • Inland Marine
  • Cyber Liability
  • Employment Practices
  • Accounts Receivable
  • Hired/Non Owned Auto
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