If you become disabled, this rider credits a monthly premium to your policy after a 6-month elimination period. You are still able to benefit from your life insurance policy, even if you are unable to work as a result of your disability and cannot pay your policy premium.

Rider details

There is a maximum premium amount the Premium Waiver Rider will pay, based on the amount of your policy. This rider may end when your policy expires or you reach a certain age.

Please refer to the prospectus or your insurance contract for details about this rider, including how to qualify for a waiver of premium disability benefit.

Available products

The following life insurance policies can be amended with Nationwide’s waiver of premium rider.

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Optional riders that customize a policy to fit individual needs usually carry an additional charge and are only available through the purchase of variable universal life insurance products. Riders may be known by different names in different states and may not be available in every state.

Variable products are sold by prospectus. The product and underlying fund prospectuses contain this and other important information. Investors should read them carefully before investing. To obtain a product prospectus call 1-800-321-6064, contact an insurance professional or click on the prospectus link on Nationwide.com.

Guarantees are subject to the claims-paying ability of the issuing life insurance company. They don't apply to the investment performance or safety of the underlying investment options. Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general public.