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Nationwide stood out in our analysis for its reliable policy illustrations. This is especially important for young buyers who will likely be holding a policy for many decades and who want a

reliable prediction of cash value. Barry D. Flagg, Forbes Advisor board member, says, “Nationwide products can be great for young adults, given its history of low and stable costs. Young

adults can also benefit from Nationwide’s wide selection of investment options, covering almost every different asset class from equities to fixed income, large cap to small cap, growth to

value, domestic to foreign, etc.” Nationwide’s internal costs for cash value policies are not the lowest in our analysis, but they are still moderately low. Flagg cautions that restrictions

on accessing cash value (or surrender charges) can be higher in Nationwide products, but such restrictions can encourage long-term growth of cash value. In addition, Nationwide recently

introduced a new fee-based product with no such restrictions on access to policy account values. Such fee-based products are designed to compensate CFPs and other financial planners for

ongoing monitoring and planning beyond just placement of the policy, which can be particularly important for young adults often with less financial experience and therefore needing more

financial guidance. Nationwide’s Guaranteed Level term life policy rates are low, though term length options are more limited (10-, 15-, 20- and 30-year) than those of some other top

companies. MORE: Nationwide Life Insurance Review TYPES OF LIFE INSURANCE SOLD * Term life * Whole life * Indexed universal life * Guaranteed universal life * Variable universal life LIFE

INSURANCE RIDERS AVAILABLE * Accidental death benefit rider * Children’s term insurance rider * Chronic illness rider * Critical illness rider * Early/enhanced cash value rider * Estate

protection rider * Guaranteed insurability rider * Lapse protection rider * Long term care rider * Overloan protection rider * Return of premium rider * Terminal illness accelerated death

benefit rider * Waiver of monthly deduction rider * Premium waiver rider _Availability of riders could depend on the type of policy._