Nationwide CareMatters- See How it Works.

Sep 29, 2016 • LTCI Partners

Nationwide CareMatters- See How it Works.

Nationwide

Help your clients take control of their LTC needs

At Nationwide^®, we want to help you prepare your clients for potential long-term care (LTC) needs in retirement. By repositioning assets into a Nationwide CareMatters^SM policy, your clients can create a larger pool of money for LTC expenses.

What sets us apart

We put your clients in control at claim time. Only Nationwide CareMatters gives your clients:

•	Their full monthly cash benefit regardless of expenses
•	No need to submit monthly bills and receipts¹


	• NOT A DEPOSIT • NOT FDIC OR NCUSIF INSURED • NOT GUARANTEED BY THE INSTITUTION • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • MAY LOSE VALUE

¹ Assuming all premiums have been paid and benefits are used within the United States.

When choosing a product, make sure that life insurance and LTC insurance needs are met. Nationwide YourLife CareMatters is not intended to be a primary source of life insurance protection, so make sure life insurance needs have been covered by appropriate products. Because personal situations may changes (i.e., marriage, birth of a child or job promotion), so can life insurance and LTC insurance needs. Care should be taken to ensure these strategies and products are suitable. Associated costs, as well as personal and financial objectives, time horizons, and risk tolerance should all be weighed before purchasing Nationwide YourLife CareMatters. Life insurance, and LTC coverage linked to life insurance, has fees and charges associated with it that include: costs of insurance which varies based on characteristics of the insured such as gender, tobacco use, health and age; and additional charges for riders that customize a policy to fit individual needs.

Keep in mind that the payment of long-term care rider benefits, as an acceleration of the death benefit, will reduce both the death benefit and cash surrender values of the policy. Additionally, loans and withdrawals will also reduce both the cash values and the death benefit. Care should be taken to make sure that life insurance needs continue to be met even if the rider pays out in full, or after money is taken from the policy. There is no guarantee that the rider will cover the entire cost for all of the insured's long-term care, as this may vary with the needs of each insured. Nationwide pays the long-term care benefit to the policy owner; there is no guarantee the policy owner will use the benefit for long-term care expenses if the policy is owned by someone other than the insured.

For contracts that meet the MEC definitions of IRC Section 7702A, most distributions are taxed on a first-in/first-out basis, however LTC benefit payments can be received tax-free under IRC Section 7702B. Partial surrenders and loans from a MEC will generally be taxable.

Approval for coverage under the policy and attached LTC riders is subject to underwriting and may require a medical exam.

Nationwide YourLife CareMatters may not be available in every state. Please contact Nationwide to determine product availability in your state.

Guarantees are subject to the claims-paying ability of the issuing company. Life insurance products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

FOR INSURANCE PROFESSIONAL USE ONLY — NOT FOR DISTRIBUTION TO THE PUBLIC

Nationwide, the Nationwide N and Eagle, Nationwide is on your side, and other marks displayed in this message are service marks of Nationwide Mutual Insurance Company and/or its affiliates, unless otherwise disclosed. Third-party marks that appear in this message are the property of their respective owners. © 2016 Nationwide.

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Nationwide CareMatters- See How it Works.

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