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See the top reasons to consider CareMatters® Annuity for your clients’ LTC needs
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Nationwide is excited to introduce the newest addition to our industry-leading1 CareMatters® suite of long-term care (LTC) solutions. Nationwide CareMatters®
Annuity is an annuity-based linked-benefit solution with a straightforward design and fewer underwriting requirements that allow you to offer LTC coverage to more of your clients.
Like all CareMatters solutions, CareMatters Annuity offers cash indemnity benefits that deliver maximum flexibility for your clients’ care needs and preferences. Check out our Top Reasons 1-pager to explore more benefits and visit our website for more information and resources.
Please note: Nationwide CareMatters Annuity might not be available in some states. Contact Nationwide to determine product availability in your state.
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Start the LTC conversation with your clients during Long-term Care Awareness Month
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With over 25 years’ experience and a suite of industry-leading solutions1, Nationwide is here as your trusted LTC partner. To help engage your clients in LTC planning conversations this November during LTC Awareness Month, check out our:
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New LTC Resource featuring our most popular content, including client-approved content and non-branded email and social posts for you to use with clients
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LTC resource page for clients featuring insights and planning resources, as well as our video series with real caregiving stories, which are great tools to help start LTC conversations
Contact your Nationwide wholesaler to learn more about our LTC resources and solutions to make this a successful Long-Term Care Awareness Month!
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New! Online IUL allocation changes available
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Nationwide’s new self-service allocation tool launched October 23rd, making it faster and simpler to manage your clients’ indexed universal life (IUL) in-force policies on nationwidefinancial.com. The allocation tool allows you to make updates anytime, without calling the service center, and your changes will be reflected instantly. That means spending less time on paperwork and more time growing your business. Here’s an overview of the IUL allocation tool, and here’s a
quick reference guide on how to use the tool. A how-to video is coming soon and will be available from your wholesaler
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Reminder: IUL annual statements, redesigned
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In September, our IUL accumulator products’ annual statements summary pages were redesigned to be more intuitive and easier to understand. Effective mid-November, all remaining IUL products will also have our new and simple format. Learn more here and share this flyer with your clients.
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Upcoming Life webinars this month
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What’s Next in LTC Planning? Introducing CareMatters Annuity
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Date: Thursday, November 20th, 2025
Time: 2:00 – 3:00 PM ET
Featured Speaker: Scott Limes, CLU, ChFC, CLTC, ALHC Life Product Manager, Life/LTC Business Development – Nationwide
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Scott Limes has been with Nationwide since 2006, bringing expertise in life insurance and long-term care. With a background in sales, distribution, and product development, he now focuses on guaranteed products, living benefits, and LTC solutions. Scott partners with wholesalers and distribution teams to help deliver financial security through Nationwide’s innovative offerings.
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Join Scott Limes for an insightful look at Nationwide CareMatters® Annuity — the newest addition to our industry-leading suite of long-term care (LTC) solutions. This streamlined, annuity-based product is designed to expand LTC coverage opportunities with simplified underwriting, making it accessible to more clients. Like all Nationwide LTC offerings, CareMatters®
Annuity provides cash indemnity benefits, giving clients the flexibility and value they need to plan confidently for their future care.
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Register Today!
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This email was sent by: Nationwide, One Nationwide Plaza, Columbus, OH, 43215
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• Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution
• Not insured by any federal government agency • May lose value
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1 Nationwide is #1 in linked benefit LTC total premium and policy count (LIMRA quarterly Market Share Reports, 2024-2025).
This material is not a recommendation to buy or sell a financial product or to adopt an investment strategy. Investors should discuss their specific situation with their financial professional.
Keep in mind that, as an acceleration of the death benefit, exercising the Chronic Illness Rider or the Critical Illness Rider payout will reduce both the death benefit and cash surrender value by an amount greater than one dollar for every dollar paid. Make sure life insurance needs will still be met, even if the rider pays out in full. Though riders that customize a policy to fit individual needs usually carry an additional charge, neither the Chronic Illness Rider, the Critical Illness Rider nor the Terminal Illness Rider has an initial cost or upfront monthly charge when any is included in the policy; however, a cost is incurred if and when the rider is exercised. A life
insurance purchase should be based on the life policy and not solely on riders or features.
The chronic illness, critical illness or terminal illness benefit paid will be reduced to pay due and unpaid premium or charges. Additionally, a pro rata portion of the payment will be applied as a policy loan payment if there is any outstanding indebtedness.
Neither Nationwide nor its associates provide tax or legal advice. Benefits may be taxable under certain circumstances. Clients should consult with their tax and legal advisors about their specific situation.
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. Rider names and availability vary by state.
Nationwide CareMatters is a cash indemnity product that pays LTC benefits when the insured person is certified to have a qualifying condition and a need for LTC services. Bills and receipts showing actual expenses do not have to be submitted for payment of benefits once a claim has been approved. Each year, the policyowner can receive, tax free, the greater of the HIPAA per diem amount or actual LTC costs incurred. However, benefits may be taxable under certain circumstances. Taxpayers should consult with their tax and legal advisors about their specific situation. Benefits under the LTC Rider are an advance payment of the policy’s death benefit while the insured is still
living. Accelerating the death benefit, along with taking loans and withdrawals, reduces both the death benefit and cash surrender value of the policy.
Caregiver Advocate is available at no additional cost. It might not be available in all states/territories or in all products. Caregiver Advocate is administered by LTCG®. Nationwide is not affiliated with LTCG. Caregiver Advocate is subject to availability and may be modified, suspended or terminated at any time. Access to the services available through Caregiver Advocate will terminate if the owner terminates or surrenders their contract with Nationwide.
Caregiver Advocate is provided as a service to you by Nationwide. Caregiver Advocate is a third-party vendor site that is not hosted or affiliated with Nationwide, and Nationwide is not responsible for the content or the accuracy of any information or materials located on the site.
Products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The general distributor for variable products is Nationwide Investment Services Corporation, member FINRA.
Guarantees are subject to the claims-paying ability of the issuing insurance company.
Products may not be available in all states. Riders are available for an additional cost, may not be available on all products or in all states and may be known by different names in different states. Nationwide CareMatters II is not available in MT, CA and NY. YourLife CareMatters is available in NY and CA instead.
FOR FINANCIAL PROFESSIONAL USE ONLY — NOT FOR USE WITH 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. © 2025 Nationwide.
LAE-0770AO-BG.116 (09/25)
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Email ID: 10856182-EIP13025--782999
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