Helping to Secure Your Future

[ALL ACCESS header](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/793a14e4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmVzc2VuY2UuY29tP3V0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1jb3JkaWFsJnV0bV9jb250ZW50PTIwMjQxMDMxMTVQTSJ9&jwtS=9NgyM6T2h1AoiOsiyFvLzvExHcoiapLN8rtXwsL-UaU) The Vital Role of Long-Term Care Planning [Nationwide-1](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/e3164ac0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3Lm5hdGlvbndpZGUuY29tXC9wZXJzb25hbFwvaW5zdXJhbmNlXC9saWZlXC9sb25nLXRlcm0tY2FyZVwvP3V0bV9zb3VyY2U9RXNzZW5jZSZ1dG1fbWVkaXVtPUFmZmlsaWF0ZSZ1dG1fY2FtcGFpZ249TGlmZURpcmVjdCZ1dG1fY29udGVudD1ORi1CMkM6TElGRTpOSTpuYTpMVENsaW5rJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1jb3JkaWFsJnV0bV9jb250ZW50PTIwMjQxMDMxMTVQTSJ9&jwtS=t4Vcc6gOPYbLR5QJjIi4ghR7HnqLtvutIZrcr7hXO1M) At the height of your success, life can change in an instant. Long-term care planning ensures you’re prepared for the unexpected. Learn how long-term care insurance can protect your savings from financial professionals, [Tammy Fraser and Candice Darien](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/824f2282?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzMiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmVzc2VuY2UuY29tXC9idXNpbmVzc1wvbmF0aW9ud2lkZS1oZWxwaW5nLXNlY3VyZS1sb25nLXRlcm0tY2FyZS1wbGFubmluZ1wvP3V0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1jb3JkaWFsJnV0bV9jb250ZW50PTIwMjQxMDMxMTVQTSJ9&jwtS=6jnYo8k2WrU_EKv5_zBZmnAkQjsQwFotiryOVL2v-Dc). [Learn More >>](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/e3164ac0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3Lm5hdGlvbndpZGUuY29tXC9wZXJzb25hbFwvaW5zdXJhbmNlXC9saWZlXC9sb25nLXRlcm0tY2FyZVwvP3V0bV9zb3VyY2U9RXNzZW5jZSZ1dG1fbWVkaXVtPUFmZmlsaWF0ZSZ1dG1fY2FtcGFpZ249TGlmZURpcmVjdCZ1dG1fY29udGVudD1ORi1CMkM6TElGRTpOSTpuYTpMVENsaW5rJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1jb3JkaWFsJnV0bV9jb250ZW50PTIwMjQxMDMxMTVQTSJ9&jwtS=t4Vcc6gOPYbLR5QJjIi4ghR7HnqLtvutIZrcr7hXO1M) This material is not a recommendation to buy or sell a financial product or to adopt an investment strategy. Investors should discuss their specific situation with their financial professional. Products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The general distributor for variable products is Nationwide Investment Services Corporation, member FINRA. Nationwide, the Nationwide N and Eagle and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. Nationwide is not affiliated with any of the other entities listed. Third party marks are the property of their respective owners. © 2024 Nationwide LAM-5660AO [subscribe](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/6a7e28c3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzMyIsImxpbmtVcmwiOiJodHRwczpcL1wvc3Vicy5lc3NlbmNlLmNvbVwvcHVic1wvRVZcL0VTU1wvRVNTX3N1YnBhZ2UuanNwP2Nkc19wYWdlX2lkPTIyODM3MyZjZHNfbWFnX2NvZGU9RVNTJmlkPTE2MTg5NDY5MDE4NjEmbHNpZD0xMTEwMTQyODIxODA0Njk4NyZ2aWQ9MSZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9Y29yZGlhbCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9Y29yZGlhbCZ1dG1fY29udGVudD0yMDI0MTAzMTE1UE0ifQ&jwtS=spXfxfAEs3IIZA-Mlzm2b3KG38OzT9e4MaSvgchEOGc) [social] CUSTOMER SERVICE [Subscribe to Essence](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/da1ef3ad?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzNCIsImxpbmtVcmwiOiJodHRwczpcL1wvc3Vicy5lc3NlbmNlLmNvbVwvc2VydmxldFwvT3JkZXJzR2F0ZXdheT9jZHNfbWFnX2NvZGU9RVNTJmNkc19wYWdlX2lkPTIyODM3MyZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9Y29yZGlhbCZ1dG1fY29udGVudD0yMDI0MTAzMTE1UE0ifQ&jwtS=4SRA0oM5MLNYBCyAa_-f0yW-2mipv7PkuwYMHo4XkUM) [Give a Gift of Essence](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/9d9557c4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzNSIsImxpbmtVcmwiOiJodHRwczpcL1wvc3Vicy5lc3NlbmNlLmNvbVwvc2VydmxldFwvR2lmdHNHYXRld2F5P2Nkc19tYWdfY29kZT1FU1MmY2RzX3BhZ2VfaWQ9MjI4NDYwJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1jb3JkaWFsJnV0bV9jb250ZW50PTIwMjQxMDMxMTVQTSJ9&jwtS=9xJftmN4jCtS5AW8JHnuPftHNQ--zotXfJQXz5tZvl8) [Change Your Address](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/ad923771?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzNiIsImxpbmtVcmwiOiJodHRwczpcL1wvc3Vicy5lc3NlbmNlLmNvbVwvc2VydmxldFwvQ1NHYXRld2F5P2Nkc19tYWdfY29kZT1FU1MmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWNvcmRpYWwmdXRtX2NvbnRlbnQ9MjAyNDEwMzExNVBNIn0&jwtS=ad1VMdUV0wOEwCrJLdMq1UjlfgmA4eFvQ9F_li8wEwI) [Renew Your Subscription](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/ad923771?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzNiIsImxpbmtVcmwiOiJodHRwczpcL1wvc3Vicy5lc3NlbmNlLmNvbVwvc2VydmxldFwvQ1NHYXRld2F5P2Nkc19tYWdfY29kZT1FU1MmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWNvcmRpYWwmdXRtX2NvbnRlbnQ9MjAyNDEwMzExNVBNIn0&jwtS=ad1VMdUV0wOEwCrJLdMq1UjlfgmA4eFvQ9F_li8wEwI) [Pay Your Bill](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/ad923771?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzNiIsImxpbmtVcmwiOiJodHRwczpcL1wvc3Vicy5lc3NlbmNlLmNvbVwvc2VydmxldFwvQ1NHYXRld2F5P2Nkc19tYWdfY29kZT1FU1MmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWNvcmRpYWwmdXRtX2NvbnRlbnQ9MjAyNDEwMzExNVBNIn0&jwtS=ad1VMdUV0wOEwCrJLdMq1UjlfgmA4eFvQ9F_li8wEwI) [Questions & Comments](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/ad923771?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzNiIsImxpbmtVcmwiOiJodHRwczpcL1wvc3Vicy5lc3NlbmNlLmNvbVwvc2VydmxldFwvQ1NHYXRld2F5P2Nkc19tYWdfY29kZT1FU1MmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWNvcmRpYWwmdXRtX2NvbnRlbnQ9MjAyNDEwMzExNVBNIn0&jwtS=ad1VMdUV0wOEwCrJLdMq1UjlfgmA4eFvQ9F_li8wEwI) NEWSLETTER OPTIONS [Unsubscribe]( [Privacy Policy](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/c7d566d2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzNyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmVzc2VuY2UuY29tXC9wcml2YWN5LXBvbGljeVwvP3V0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1jb3JkaWFsJnV0bV9jb250ZW50PTIwMjQxMDMxMTVQTSJ9&jwtS=36LKLXTUYHLPziWZvL6T4PyLcWDaA7byaZ4APNtDq1M) [Email Opt-Outs](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/382bfcaa?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzOCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmVzc2VuY2UuY29tXC9wcmVmZXJlbmNlc1wvP2U9ZEhKcGMzUnlZVzFpWVd4a2QybHVPVEpBWjIxaGFXd3VZMjl0Jmw9NTY1MTclN0M1NjUyMCU3QzU2NTIxJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1jb3JkaWFsJnV0bV9jb250ZW50PTIwMjQxMDMxMTVQTSJ9&jwtS=rTddksXJCuMdOZHfCdtecnxtC-nbgqc2DC83bJacRgc) [California Privacy Policy](6722a5fc788e3e642f0dcd59:ot:6035aab9f9295d21f640e73d:1/b4cdf906?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MzA0MDMxMjQsImNkIjoiLmVzc2VuY2UuY29tIiwiY2UiOjg2NDAwLCJ0ayI6ImVzc2VuY2UiLCJtdGxJRCI6IjY3MjJhYzIwNjgzZWMyYmRkNzAyMzUzOSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LmVzc2VuY2UuY29tXC9wcml2YWN5LXBvbGljeVwvI2NhbGlmb3JuaWE_dXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWNvcmRpYWwmdXRtX2NvbnRlbnQ9MjAyNDEwMzExNVBNIn0&jwtS=zAzUNGbw3DAtnoxg1dhNejGgEZA_hOlJJ2f6xRrSnHg) CONTACT US ESSENCE PO Box 5001 Harlan, IA 51593-0501 1-800-274-9398 All products and services featured are selected by our editors. ESSENCE.com may receive compensation for some links to products and services in this email. This email was sent by: Essence 34 35th Street Brooklyn, NY, 11232, US