Nationwide life insurance policy types include term, whole, universal, and variable universal. Whole, universal and variable universal policies are what is known as ‘permanent insurance.’ A term life policy is generally considered to provide a base level of protection and coverage, at a lower total cost than a permanent plan. Determining the amount of coverage you need is the first step in deciding which type of plan to purchase. It is recommended to speak with a local agent (either in-person or over the phone) to help determine which type of policy you require.

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