Does Nationwide Offer Long Term Care Insurance? 
Actually , Nationwide has a very good hybrid policy that combines permanent life insurance and a comprehensive long term care rider . I use this product alot in my practice for people that have a need for both life insurance and LTC . Advantages of this product is that the benefit will always be used no matter what happens to the individual ; either they will have a long term care claim , or they will pass away and the death benefit will pass to their beneficiaries . Disadvantages of this approach to LTC planning is that there is no potential for any premium write-off and no Partnership protection . 