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Homepage // Services // NH & VT Life Insurance Comparison

New Hampshire & Vermont Life Insurance Comparison
There are different types of life insurance to meet your different needs. Compare the different types below.

Life insurance comparison chart

  Term Life Insurance Whole Life Insurance Universal Life Insurance Variable Universal Life Insurance
Death benefit yes yes yes yes
Designed for low cost yes      
Access to your money1   yes yes yes
Guaranteed cash value   yes yes  
Market participation       yes
Tax advantages yes yes yes yes
Flexible payments2     yes yes
  Learn More Learn More Learn More Learn More

Let us help you find out which type is right for you.

1Access to your money – This assumes that the contract qualifies as life insurance under section 7702 of the Internal Revenue Code (IRC) and is not a modified endowment contract (MEC) under section 7702A. Most distributions are taxed on a first-in/first-out basis as long as the contract meets non-MEC definitions under section 7702A. Loans and partial withdrawals from a MEC generally are taxable and, if taken prior to age 59½, may be subject to a 10% tax penalty.

2 Flexible payments – This assumes there is sufficient cash value to cover monthly policy charges. Keep in mind that variable universal life insurance has market volatility so it’s possible that you may need to pay an additional premium on your policy.

Factors to consider with variable life insurance policies

Your life insurance coverage needs may change if your personal situation changes. For example, if you get married, have a child or get a promotion, you may want to increase your coverage. Make sure that these strategies and products are suitable for your long-term life insurance needs. Also, make sure you are able to continue premium payments so your policy doesn’t lapse if the market declines. If you take a loan, withdrawal or partial or whole surrender your death benefit may be reduced, your policy may lapse or you may face tax consequences.

There are fees and charges for variable life insurance coverage, including a cost of insurance based on characteristics of the insured person, such as gender, health and age. There may also be underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.

Neither Nationwide nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions.

Guarantees and protections are subject to Nationwide's claims-paying ability. They don't apply to the investment performance or safety of the underlying investment options.

Before deciding on a variable life insurance policy, you should carefully consider the investment objectives, risks, charges, and expenses of the policy and its investment options. The product prospectus and underlying fund prospectus contain this and other important information. To obtain a product prospectus, variable universal life insurance quote, or underlying fund prospectus, contact your investment professional or Nationwide. Read the prospectus carefully before making a purchase.

Investment products offered are not FDIC-insured, may lose value, have no bank guarantee.

Life insurance is issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, OH.



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