Living benefits, also called accelerated death benefits, allow you to access the death benefit early if you experience certain triggering events. Most Nationwide policies include three living benefit riders at no additional cost-which is a standout benefit, considering many other companies only include one. It’s no surprise that Nationwide takes our top spot for best life insurance company for applicants over 50 years old, since it’s also our pick for best life insurance company of 2023.
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