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

New Hampshire & Vermont Term Life Insurance
Term life insurance is probably one of the most popular forms of life insurance. In exchange for a premium that stays the same for a specific period, you get a tax-free death benefit. That way, if something happens to you, your family can continue to pay for the things your income provided with help from the benefits of your term life insurance policy.

Want to learn more about term life insurance?

Already own a term life insurance product? Log in to see your account information.

Advantages and disadvantages

Term life insurance is easy to understand, inexpensive and can provide essential protection for your family. Because it typically doesn’t cost a lot, you can buy larger amounts without having to spend tons of money.

The downside is that term insurance isn’t a permanent life insurance solution. Once the term ends, the premiums can increase dramatically. And, the older you are, the more expensive it gets. Fortunately, you can convert many term life insurance policies to a permanent insurance policy like whole life insurance, universal life insurance or variable universal life insurance.

Keep in mind that as your life changes (for example, marriage, birth of a child or a job promotion), so will your life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges including costs of insurance that vary based on the insured person’s gender, health and age. There are additional charges for riders that customize a policy to fit your individual needs.

Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution • Not insured by any federal government agency • May lose value

Guarantees and protections are subject to Nationwide's claims-paying ability. Life insurance is issued by Nationwide Life Insurance Company, or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.



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