Nationwide Life Insurance in Tennessee
Educational guide to Nationwide life insurance products, financial strength, and availability for Tennessee residents.
Company Snapshot
About Nationwide
Nationwide is a diversified insurance and financial services company offering life insurance, property and casualty insurance, retirement plans, and pet insurance. Originally founded as the Farm Bureau Mutual Automobile Insurance Company in 1926, Nationwide has grown into one of the largest insurance and financial services companies in the United States. The company operates as a mutual company, owned by its members and policyholders.
Nationwide in Tennessee
Nationwide serves Tennessee residents through both exclusive and independent agents across the state. The company has a presence in Nashville, Memphis, Knoxville, Chattanooga, and communities throughout Tennessee. Nationwide's multi-product platform means Tennessee residents can access life insurance alongside other financial products through their local agents.
Understanding the A+ Rating from A.M. Best
Superior Financial Strength
A.M. Best is a credit rating agency focused exclusively on the insurance industry. The agency evaluates insurers' financial conditions, operating performance, and ability to meet ongoing obligations to policyholders.
Nationwide holds an A+ rating from A.M. Best with a Stable outlook. This is the second-highest rating category from A.M. Best, indicating a superior ability to meet ongoing insurance obligations.
Financial strength ratings reflect A.M. Best's assessment of an insurer's ability to pay claims. They are not recommendations to purchase insurance from any specific carrier. Rating information is current as of the most recent A.M. Best evaluation.
Life Insurance Products from Nationwide
Products available to Tennessee residents through licensed agents
Term Life Insurance
- Level term options for 10, 15, 20, and 30 years
- Many policies convertible to permanent coverage (terms vary by carrier)
- Competitive pricing for qualifying applicants
Whole Life Insurance
- Guaranteed level premiums and guaranteed death benefit
- Cash value accumulation over the life of the policy
- Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier
Universal Life Insurance
- Flexible premium and death benefit options
- Indexed universal life options linking cash value to index performance (0% floor, cap rates typically 8-12%, policy fees apply)
- Multiple policy design options
Nationwide Strengths
- A+ (Superior) rating from A.M. Best reflects strong financial strength
- Mutual company structure aligns company interests with policyholders
- Diversified product portfolio including life, property, casualty, and retirement
- Both exclusive and independent agent distribution channels
- Nearly 100 years of continuous operation since 1926
Things to Know About Nationwide
Balanced considerations to discuss with a licensed agent
- Life insurance may not be the company's primary focus compared to carriers specializing exclusively in life products
- Product availability may vary between exclusive Nationwide agents and independent agents
- Indexed universal life options include cap rates (typically 8-12%), a 0% floor, and policy fees
- Brand perception may be more associated with property and casualty than life insurance
Financial Highlights
Holds an A+ (Superior) financial strength rating from A.M. Best
One of the largest diversified insurance and financial services companies in the U.S.
Mutual company with strong policyholder surplus
Serves millions of members across all 50 states
Customer Service
Nationwide provides service through local agents, a central customer service center, online account management, and a mobile app. The company is known for its local agent relationships and multi-product service approach. Digital tools support policy management, premium payments, and claims filing.
How to Get a Nationwide Quote in Tennessee
Agents in our network are independent licensed Tennessee insurance professionals who may represent Nationwide alongside other A-rated (A.M. Best) carriers. When you request a free quote, you will be connected with a licensed Tennessee agent who can:
- 1 Explain Nationwide product options in detail
- 2 Compare Nationwide with other carriers based on your general needs
- 3 Provide personalized quotes based on your health, age, and coverage goals
- 4 Guide you through the application and underwriting process
Quotes are estimates subject to underwriting. A licensed agent in our network will contact you to discuss options. Submitting a quote request constitutes consent to be contacted by a licensed agent.
Nationwide Questions
Yes, Nationwide Life Insurance Company is licensed in Tennessee and offers term, whole life, and universal life insurance products. Products are accessible through Nationwide agents and independent agents across the state. Agents in our network can help you compare Nationwide with other carriers.
Nationwide Life Insurance Company holds an A+ (Superior) rating from A.M. Best, a credit rating agency focused on the insurance industry. This indicates a superior ability to meet ongoing insurance obligations.
Yes, Nationwide operates as a mutual company, meaning it is owned by its members and policyholders rather than public shareholders. This structure can align the company's interests with those of its policyholders.
Yes, Nationwide offers a range of insurance products including life, auto, home, and retirement products. While bundling can provide convenience, your life insurance decision should be based primarily on coverage quality, financial strength, and suitability for your needs.
Yes, Nationwide offers indexed universal life (IUL) options. These policies link cash value growth to market index performance with a 0% floor protecting against losses. Cap rates (typically 8-12%) limit maximum credited interest, and policy fees apply. A licensed agent can explain how these features work.
Other Insurance Carriers
Compare additional A-rated (A.M. Best) carriers available in Tennessee
State Farm
Est. 1929
3 product lines
View Carrier Guide →Protective Life
Est. 1907
3 product lines
View Carrier Guide →Mutual of Omaha
Est. 1909
4 product lines
View Carrier Guide →Prudential
Est. 1875
3 product lines
View Carrier Guide →This page is for educational purposes only. Tennessee Life Protection is not affiliated with, endorsed by, or sponsored by Nationwide Life Insurance Company. Information is based on publicly available data and is believed to be accurate but may change. A.M. Best ratings are current as of the most recent evaluation. Agents in our network are independent licensed professionals who may represent one or more of the carriers listed. This site does not provide insurance coverage; coverage is provided by the issuing insurance carrier through licensed agents. Guarantees referenced on this page are backed by the financial strength and claims-paying ability of the issuing insurance carrier.
Explore Nationwide Options with a Licensed Tennessee Agent
Agents in our network can help you compare Nationwide alongside other A-rated (A.M. Best) carriers. Request a free quote to connect with a licensed Tennessee agent.
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