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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 Trio Select+ Annuity

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The Nationwide Trio Select+ is a flexible-premium fixed deferred annuity. The annuity is targeted at clients looking for guaranteed rates of return and modest growth for a specified period of time. The annuity can be taken under various plan types, Non-qualified and Roth IRA, IRA, SEP IRA, Simple IRA and Charitable Remainder Trust. Clients can choose from guarantee periods of 1, 3, 5 or 7 years.

Nationwide Trio Select+ Annuity Features

Additional interest rates

Annuitants will receive additional interest rates on their premium payments as per the following schedule:

  • $25,000-$99,999-Additional 0.15%
  • $100,000-$499,999-Additional 0.25%
  • $500,000 +-Additional 0.35%

Issue age

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

Minimum initial investment

  • Minimum IRA payment- $3,000
  • Minimum non-qualified payment- $5,000
  • Sub-payments-$500

Free withdrawals

For the Nationwide Trio Select+ product, annuitants can withdraw up to 10% of the contract value without charges. This will be available once on each contract year. The contingent deferred sales charge (surrender charge) schedule for amounts exceeding the 10% will be based on a five year declining charge.

Rider availability

The return of purchase payment rider is available with the annuity. The company however provides additional information that the rider is not a deposit, not FDIC insured, not guaranteed by the institution, not insured by a federal government agency and may lose value.


Annuitization distributions will not be subjected to the CDSC schedule.


Annuitants will receive waivers on withdrawals made for nursing home confinement, terminal illness and long-term care.

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