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Daily Coverage

Long-Term Care Insurance policies pay a daily amount towards home care, assisted living, or nursing home. Home care is the most common claim, with 75% of claims starting at home.

Plan Duration

Average claim: 2.9 years. Assuming you don’t have a crystal ball, you don’t know how long you’ll need Long Term Care for. The chance of needing Long Term Care is 1 in 2, but the chance of needing it for over five years is much smaller. Like any insurance, you may buy this and never use it, so finding a balance is key.

Return of Premium

Add this option and you’ll be able to leave your beneficiary the total sum of all of your premiums paid, less any claims you’ve made. If the thought of buying this and never using it bothers you, guarantee a return of funds with Return of Premium.

Home Health Care on Day 1

Coverage for care at home is available with no waiting period. This 10-15% extra option is the most popular add-on rider.

Shared Coverage

Women make longer claims than men, on average. Hedge your risk with your spouse by adding a Shared Care rider to your policy.

Inflation Protection

If you're buying this thinking of using in the future, include inflation protection.

Nationwide Quatro Select Annuity

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The Nationwide Quatro Select is a modified single-purchase fixed deferred annuity that provides four guaranteed interest rate periods. The annuity is targeted at clients looking for guaranteed rates of return for a specified period of time. The annuity can be taken under two plan types, Non-qualified and Roth IRA. Clients can choose from guarantee periods of 1, 3, 5 or 7 years.

Nationwide Quatro Select Annuity Facts

Interest rate guarantee period

The base interest rate will be renewed annually for the remaining period from the first to the seventh year.

Issue age

The issue age is 0-90 years for annuitants. Owners may be of any age.

Minimum initial investment

  • Minimum qualified payment- $10,000
  • Minimum non-qualified payment- $10,000
  • IRA/Roth IRA-$2,000
  • Maximum payments-$1,000,000

Free withdrawals

Annuitants can withdraw the accumulated interest amount without incurring withdrawal charges. The minimum amount that can be withdrawn is $100.

Contract review

The annuity contract will be reviewed each anniversary. If the value is equal to or greater than $200,000, $250,000 or $1,000,000, the client receives a corresponding jumbo rate.

Rider availability

The return of purchase payment rider comes standard on the Nationwide Quatro Select annuity product.


Clients can annuitize their accounts after 2 years (1 year in Florida).

Death benefit

Upon the death of the annuitant, the benefit paid will be the contract value or the return of purchase payments, whichever will be the greater of the two. Spousal continuation is also available upon the annuitant’s death.


Terminal illness and nursing home waivers are available in all states but with market value adjustment. These may not be available in all states.

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