Nationwide

Upon my initial auto insurance quote with Titan Auto Insurance, I was assured they would beat the price of their competitors if I signed up for automatic EFT (electronic funds transfer) with a 20% down payment for 6 months on the first payment. The first and second payments came in just as promised, but upon the third payment withdrawn from my bank account, the premium increased threefold - without any notice! I called customer service and found out the price I was offered, and agreed to, was not available anymore because I didn't qualify for one discount - apparently all the other discounts applied didn't do anything. I strongly advise against getting any services with this company - they will jack up your prices without notice and take it straight from your bank account in hopes you will never notice. Now I am having to cancel this policy and find a new one plus get charged a penalty for cancelling?! Extremely dissatisfied.

"">This
letter is in response to the inquiry received from your office on November 4,
Nationwide
Mutual Fire Company did receive notice of a claim from Mr[redacted] on
September 30, 2015. The claim was
assigned to a local associate who attempted to reach Mr[redacted] on October 1,
2015. Attempts to contact the member on
both the home and cell numbers were unsuccessful; however, messages were left
at each number
The
associate tried again to reach Mr[redacted] and was successful in reaching him on
October 2, 2015. Subsequent to our
contact, the associate sent a leak detection expert to investigate the cause of
loss. The expert inspected the property
on October 5, and a site inspection was completed by our associate on
October 7, 2015. The associate attempted
to contact Mr[redacted] to review the findings of our investigation as well as the
policy limitations on October 15, 2015.
This contact was again met with voicemail and a detailed message was
left. A letter was also mailed to Mr
[redacted] on October 19, providing additional detail and basis for the denial
of coverage as conveyed telephonically a few days earlier. The claims associate attempted to follow up with
Mr[redacted] again on October 27, 2015.
This contact attempt also was met with voicemail and another message was
left. While we were not able to reach
Mr[redacted] via telephone on October 27, 2015, the member did email the claim
associate, advising that he had not received a letter from usThe claim
associate called the insured on November 3, leaving a voicemail message
that she would email him another copy of the denial letterThe claim associate
emailed the insured another copy of the letter on November 4,
Mr
[redacted] responded to the email with the letter on November 3, notifying us
that he also intended to pursue a separate area of damage. Since this damage was unrelated to the
existing claim, a new claim was captured for this loss on November 5, In
addition to this email communication, the local claim manager spoke to Mr
[redacted], reviewing the findings on the first claim and confirming the capture of
the new loss.
If you
require further assistance in this matter, please contact our [redacted], Gerrie H[redacted], toll-free at ###-###-####, Ext[redacted] or by email at [redacted]
Sincerely,
Michelle
M[redacted]

Dear [redacted]
10pt;">?
This letter is in response to your request for information pertaining to the above file.
 
Our records indicate there were two changes that processed on the Auto policy prior to the renewal date of March 28, 2015, which resulted in the balance due of $49.50.
 
On February 20, 2015, the 2004 Benz was replaced by a 2011 Toyota Camry effective February 14, 2014 which resulted in a prior term balance of $29.10.
 
On March 4, 2015, the date of birth for [redacted] was changed from September 6, 1953 to September 6, 1937.  This change was made effective March 3, 2015 which resulted in a prior term balance of $20.40 and a current term charge of $183.90.
 
The Auto policy cancelled effective the renewal date so no premium was charged past March 28, 2015.  However, the two prior term amounts of $29.10 and $20.40 are due for coverage up to the cancellation date.
 
Delta called on February 23, 2015 and requested the address be updated to: [redacted],[redacted].  This change can be seen on the February 24, 2015 Policy Declarations page, however, the change produced no premium increase.  There was no charge in premium to the policy for updating the address.
 
I have provided an account history as well as the Policy Declarations pages for your review.
 
Thank you for allowing me the opportunity to assist you and if you have any questions  regarding the information I have provided you may contact me at ###-###-####, Ext. [redacted] or my email address is [redacted]
 
Sincerely,
 
 
[redacted]
Nationwide
###-###-####
[redacted]

The member’s wife filed a claim on their homeowners insurance policy on 9/30/2015 for water damage from recent rains.
yes">  Mrs. [redacted] stated on 09/29/2015 at approx. 9:00 pm, that there was a rain storm and she noticed rain leaking through a roof vent onto the second floor bedroom vent, onto the second floor carpet.  [redacted] was dispatched to begin drying out the structure and removed damaged interior items.  Heavy rains continued in this area for several days.  [redacted] was unable to tarp roof due to rain and access to roof.  Additional damages occurred to interior due to continued rains.  Member refused to have [redacted] to continue repairs and asked for a field inspection on 10/14/15.  A complaint was filed with the Revdex.com on 10/14/15, claiming [redacted] has not completed repairs.  A claims professional met with the member on 10/15/15 and wrote a repair estimate and dispatched a separate contractor to tarp the roof to prevent further damages. 
Claims manager spoke with member, George J[redacted], on 10/16/15 and verified that the complaint has been resolved with a new contractor involved.  The claims manager left his name and number to contact him if there were any additional questions or issues.  No further issues, the complaint is resolved.
If you have any further questions please feel free to contact me.
 
Sincerely,
Ken G[redacted]

class="MsoNormal"> 
In regards to the collection amount due for the Auto policy:
·         On December 22, 2014, a bill was sent to the customer and due on January 27, 2015 (see attached).
·         Since a payment was not received, a Notice of Cancellation was sent on February 3, 2015, with a policy cancel date of February 20, 2015 (see attached). The amount on the notice was $981.91.
·         The policy cancelled effective February 20, 2015, and a collection letter was sent to the cancelled member on February 27, 2015, informing them of an unpaid balance due after cancellation for the Auto policy. The amount on the notice was $1,098.97 (see attached).
·         On June 4, 2015, the insured’s wife called in about the collection. She stated the policy was supposed to cancel in December of 2014, and that her husband had called to cancel, however there was no documentation on the policy or account about a call to cancel. However, there was a call by the wife to verify billing information on December 2, 2014. The member advised that they obtained other insurance with [redacted]. She was advised that if she could email a declarations page, we would be happy to backdate the cancellation. 
·         On June 4, 2015, a call was made to the insured but there was no answer, so a voicemail was left to have her call the Service Center back.  The message stated that we received the declarations for [redacted], and it would take a couple days for the policy to adjust. 
·         Documentation shows calls were made to the insured on June 4, 2015, July 7, 2015 and July 9, 2015.
·         Declarations were received and the policy was adjusted to cancel effective January 17, 2015, and the unearned premium in the amount of $352.40 was credited to the policy balance leaving a total balance due of $746.57. A voicemail was left on July 9, 2015 advising of the amount due.
 
We will not be able to remove the collection, because bills and notices were sent, and no payments were made toward the balance. Once the collection amount of $746.57 is paid in full, we will be happy to update Credit Control Services (CCS) regarding the adjustment and that payment was made so that the collection may be closed.
 
To arrange a payment, please contact our Customer Service Center at ###-###-####. Once a payment is made we will update Credit Control Services (CCS). 
 
We hope that this satisfies your request.  If you have any further questions or concerns, please contact State Customer Advocacy Coordinator, [redacted] at ###-###-#### or by email at [redacted].
 
Sincerely,
 
 
 
[redacted] – CSSS  Customer Resolution and Response
Nationwide
###-###-####
 [redacted]

Dec 2, 2016
Dear [redacted] of Revdex.com Dispute Resolution:
This letter is to state that I am satisfied with the resolution of complaint # [redacted] against/about unsolicited mail from Nationwide. They do allege that my name will be removed from their solicitation list. Why there were unable to acknowledge that I contacted the Direct Marketing Associaiton so as to avoid unwanted harassment is still a mystery, but at least I can hope that Cathy D[redacted] and her colleagues will leave me along for now.
Thank you for solving this problems that with a little professional courtesy from Nationwide would not have resulted in my having to appeal to a higher, more more, and customer considerate agency such as you at the Revdex.com.
As a complaint against another unwanted solicitor in South Dakota but handled by the Revdex.com of NYC resulted in asking for a donation to the non-profit Revdex.com, I've enclosed a donation forewith.
Sincerely,
[redacted]

I would like more information to why the vehicles I provided links to were not considered the same as the vehicles I own. I think the vehicles I provided links to were more in line with my vehicle because unlike the vehicles value scope provided info for, mine was by the same conversion company which makes a big differences. I provided link to Regency Conversion which is what my vehicle is and not what you compared it to. I provided info for a 2002 Regency Coronado LX which is exactly what I have. Why was that comparison not acceptable. And my vehicle was in very good condition before the accident. It  had no dents, no rust and only minor wear to the seats which was in line for it age. It is not fair you judge it in poor condition after it has been wrecked. The conversion package I had applied to the van ," Coronado Regency Lx" is a much better quality and more expensive conversion package than any Value Scope used to compare my vehicle. Even in the comparison there were many options that Value Scope could not even price and left blank on their comparison. And many options they don't even list, because it is not common on a express van and come only with true conversions. For instance "value scope" list my van with body side moldings, I have documented proof that that is $2000.00 and the rear step bumper is $500.00. it is listed on the value scope appraisal, but their was no monetary value added to my vehicle for these options. Are you going to increase the value of my van by $2500.00 for these omissions ? Probably not since you chose not to believe every thing I have stated about the value of my van. I have over and over again put forth a detailed explanation with proof of why the valuescope evaluation is wrong and why I believe my van is worth more, and in return your only response has been no, with no explanations why the info I have provided you is wrong. You mentioned the info I provided you was of VANS that were outliers, The vehicles Valuescope provided were over 800 miles away, how much more of an outlier can you get? I will ask again that you compare my van to a "Regency Coronado LX" Which is exactly what I have. If you can't find any, please use the links I sent you. It is useless to uses the NADA, KBB, or Edmunds Values for conversion vans, because it is not the same. This Van and other "Coronado Regency Lx" has a RV title because it is very different and more expensive than normal vans.  And what happened to my request for a rental car?
Regards, [redacted]

This is in response to your notice dated February 24, 2014, which was forwarded to me for a response.
In review of the above referenced claim, On January 29, 2014 a claim for damage to our insured vehicle driven by [redacted] was reported and received. On the same date of assignment, contact was...

attempted and made with our insured vehicle driver who verified that there were three total vehicles involved. As per our insured vehicle driver, the claimant vehicle driven by [redacted] had come to a full stop with the vehicle driven by [redacted] stopping behind that vehicle. Our insured vehicle was traveling behind Ms. [redacted]’s vehicle and attempted to stop; however, due to weather conditions, our vehicle slid on ice into the rear end of Ms. [redacted]’s vehicle, pushing it into the rear end of Mr. [redacted]’s vehicle.
 
When the claim was initially reported no information for the claimant vehicles was related to us other than  the vehicle driven by [redacted] was owned by [redacted] and [redacted]. On January 31, 2014 the home address and contact information for [redacted] and [redacted] was found and a contact call was placed. Due to no contact the handling claim representative left a message on Ms. [redacted]s voicemail and requested a call back to discuss the claim. Additionally, a contact letter was sent to the residence of [redacted] and [redacted] indicating that contact would be needed to resolve this matter. On February 4, 2014 and after obtaining a statement from [redacted]s, the handling claim representative finalized our liability and accepting 100% liability for this accident. An additional call was placed to Ms. [redacted] and a message was left regarding the acceptance of the liability. Shortly after, the handling claim representative received a call back and spoke with the vehicle owner, [redacted], and again explained acceptance of the liability and assigned Ms. [redacted]’s property damage claim to our On Your Side Shop for handling of their damages.
On February 11, 2014, I received a telephone call from [redacted] at [redacted] Motors. Mr. [redacted] stated that he received a follow up email from Nationwide regarding the [redacted] vehicle, and was calling to inform Nationwide that repairs to the [redacted] vehicle were being handled by [redacted], the [redacted]’s insurer. Mr. [redacted] explained they received a claim assignment from [redacted] well before receiving the Nationwide claim assignment, started repairs under the [redacted] assignment and the [redacted]s signed a repair authorization agreeing to this. I told Mr. [redacted] that I would close the property damage assignment and Nationwide would await the subrogation demand. Mr. [redacted] subsequently asked how the [redacted]’s rental car was to be handled, and I advised that [redacted] or the claimant could submit support for rental car expense as part of the subrogation demand.
I called [redacted] Motors today, February 25, 2014 upon receipt of this complaint. I spoke with [redacted], who stated repairs to the [redacted] vehicle were completed February 21, 2014 and he was not aware of any complaint regarding the claim.
Review of this claim file does not show any additional contact or requests from the claimant until now.
If you require further assistance, please contact our Customer Relations Coordinator, [redacted], at ###-###-#### or by email at [redacted]@nationwide.com.

Thank you for bringing this issue to our attention. Nationwide Insurance inspected the loss and discussed the finding with the member. Representatives from Nationwide Insurance have made  11px;">several attempts to contact [redacted] and [redacted] since the inspection but have been unsuccessful. Nationwide Insurance will be glad to address the concerns expressed by [redacted] once contact is made. Please feel free to contact me with any questions at ###-###-#### or [redacted] If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D[redacted] at ###-###-#### or by email at [redacted] Sincerely, Warren Y[redacted]

We are in receipt of your request for information dated December 30, 2015 regarding the above referenced file.
Mr. [redacted] is disputing the denial of claim [redacted]. He states he had a covered service done the same day of cancellation and thought that the policy would terminate at the...

end of the day.Our records indicate Mr. [redacted] contacted our office twice on November 7, 2015. During the first call he inquired as to what wellness benefits he had used for the current term. The representative confirmed he had used the benefits for flea and heartworm prevention medication. Mr. [redacted] had indicated he wanted to take his pet in for an annual checkup. The representative confirmed he still had benefits available for the term and recommended Mr. [redacted] take the pet in before November 23rd (the date of policy renewal).
During the second call on November 7, 2015, Mr. [redacted] inquired as to the expiration and renewal of the policy. He advised the representative that he decided not to renew and wanted to make sure the cancellation was in process. The representative explained cancellation requests must be in writing and submitted via email, fax, or mail.
Based on the recorded call, it appears Mr. [redacted] was reading from the screen because he said, “…before submitting a cancellation…I was just seeing you had something online.” The representative explained that he could go to the website, www.petinsurance.com, and click on the “contact us” link located at the top of the page.
Mr. [redacted] then explained where he was online, it [the online screen] said cancel policy and took him to the policy cancellation page and it was beginning to tell him what to do.
The representative asked Mr. [redacted] if he was logged into his account. (Our policyholders have the option to create an account known as the policyholder portal). The representative explained she wasn’t sure the cancellation tool (on the policyholder portal) would be available since the policy was in its renewal time period (60 days prior to renewal.)
Again, from the recorded call, it appears Mr. [redacted] was reading from the screen as he said “you’ll get an email from VPI.” He said it did allow him to cancel and the representative confirmed that the policy now showed cancelled in our policy administration system.
At that point Mr. [redacted] explained that he had been with us for a long time but due to the rate and other concerns it was not cost effective. Mr. [redacted] did mention he had just put in a claim for wellness for the current policy. There was no elaboration on the treatment date.
Please note, when a policy is cancelled utilizing the policyholder portal, the policyholder sees several screens prior to receiving a cancellation confirmation email. The first screen asks the user to confirm the contact information and reason for cancellation. The screen shows a cancellation effective date and the following statement:
“Once you have selected a reason for your cancellation request, please confirm the cancellation date. This is the date the policy will no longer be effective and coverage will no longer be extended for the insured pet. Remember, any claims submitted on or after the cancellation date will be ineligible for coverage.”
The next screen advises the user that a confirmation email will be sent, confirms the policy information, cancellation reason, and cancellation effective date. Additionally, the screen shows the following:
“Please note: Claims for treatment dates on or after the cancellation effective date will not be eligible for coverage.”
Our system does not maintain screen shots of each portal transaction; however we were able to process a cancellation in our test environment with a sample policy to show the exact screens Mr. [redacted] would have seen when he processed his cancellation. We have included screen shots with this response.
Claim [redacted] was submitted on November 7, 2015 and does show a treatment date of November 7, 2015. The claim was denied appropriately in accordance with the terms of the policy contract. Mr. [redacted] chose to cancel the policy via the policyholder portal on November 7, 2015. As indicated above several screens showed that claims for the treatment date on or after the cancellation date would not be eligible.
Should you require any further assistance in this matter, please contact our [redacted] Patty G[redacted] at ###-###-#### or via email at [redacted].
Sincerely,
Vincent G[redacted]

Please allow this letter to serve as a response to the above captioned Revdex.com complaint filed by Mr. [redacted]. Mr. [redacted] states that Nationwide Insurance paid to repair the left doors and quarter panel of his vehicle instead of replacing these parts.
The left...

doors and quarter panel were deemed repairable by Mr. [redacted], a New York State licensed adjuster, during the time of inspection. Upon review, any licensed repair facility would be able to repair Mr. [redacted]'s vehicle without any issue. Replacing these parts would reflect a repair methodology that goes beyond what is needed to restore the vehicle to pre-accident condition. However, an inspection will also take place by Mr. [redacted]'s repair facility prior to repair. If any additional damages are discovered, Nationwide Insurance will be contacted by the repair facility in order to conduct a supplemental inspection and address the damages accordingly.If you require further assistance, please contact our [redacted], Jose L[redacted], at ###-###-#### or by email at [redacted].
Sincerely,Alan S[redacted]

We are in receipt of your request for information regarding the above referenced file. Ms. [redacted] states that she did not give authorization for our agent to start a policy for her pet. She is requesting a full refund for premium collected from her paycheck.
Ms. [redacted] applied for the...

Major Medical Plan with a $250.00 annual deductible and a Pet Wellness Basic Rider for her dog [redacted] on December 8, 2015. The application was approved with an effective date of January 1, 2016.On January 19, 2016 Ms. [redacted] called our Customer Care department and said she had been enrolled without her consent. Her policy was cancelled effective that day and a cancellation letter was sent on January 20, 2016. We issued a refund of unearned premium in the amount of $36.76 on April 23, 2016. Another refund of unearned premium was issued on July 10, 2016 in the amount of $18.38.
Ms. [redacted] stated in her complaint that she never received the refund issued in April for $36.76. We issued a refund check on April 23, 2016 which was cashed on May 16, 2016. We have included a copy of the cashed check in our supporting documents.
We have reviewed the enrollment call from December 8, 2015. Our agent was transparent on the enrollment process and was granted authorization by Ms. [redacted] at multiple points during the call. However, in order to fully resolve this matter and because Ms. [redacted] did not use the policy, we have made the decision to cancel the policy back to the effective date and issue a full premium refund. She will receive a refund of $18.38 under a separate cover.
Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Joey Lopez, at 614.435.0138 or via email at [email protected].
Sincerely,
Julia S[redacted]Director of Operations

This is in response to the inquiry regarding the homeowner’s policy for [redacted] with NationwideMutual Fire Insurance Company (hereinafter, “the Company”). Mr. [redacted] expressed concernregarding the coverage of his policy, specifically the homeowner’s policy form.
The policy for Mr....

[redacted] was new business with our Company effective March 27, 2015. The policyapplication was completed based on the information provided by the insured. The agent call with theinsured has been reviewed. When reviewing the value/determining the Coverage A (Dwelling) limitof the dwelling/townhouse, the insured did not disclose or advise that he was not responsible for100% of the structure. Thus a homeowner’s policy form 3 was written. The application was signed bythe insured. The insured subsequently received the policy declarations detailing the coverage beingprovided on the policy.Contracts between a townhouse association and the homeowner vary regarding what theresponsibilities of the association and the homeowner are regarding replacement in the event of aloss. The company was not advised that the insured was not responsible for 100% of the dwellingand coverage was afforded accordingly. Thus we are not able to backdate the coverage form on thepolicy.
We appreciate the opportunity to provide information on Mr. [redacted]’s homeowners policy. If there areadditional questions, please feel free to contact me.
Sincerely,Gale G[redacted]

I recently switched to nationwide and have been absolutely disgusted at the poor customer service I've experienced so far. I was hit by another driver recently and had to open a claim. The other driver was at fault, but both he and his insurance company have not responded back to any calls. I don't have collision in my policy so I was told that nationwide would reach out and get back to me when they heard something. This was over 3 weeks ago and I have not once received a phone call from nationwide. I have had to reach out to the adjuster every time, only to be told that he's been too busy to look into it further. After weeks of frustration I finally called and talked with a supervisor only to be told that "I should've spent more money and gotten collision insurance"... I have always been under the impression that insurance companies are leaders in customer service and have been shocked at how this has been handled. I don't care so much about getting the damage covered, as I've already paid out of pocket, but I had to write this review based on the absolutely awful customer service experience this has been. There are countless insurance companies out there and most of them will treat you much better. I'm already in the process of changing over to a new company but if you're reading this now, you must know that nationwide is most definitely NOT on your side. They are in fact only concerned about themselves, and the customer service reflects this. Stay away.

Nationwide will need to address all my concerns and requests. If not I will have to take further actions regarding this matter. 
Thank you,

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] Will not let me respond. I am again rejecting [redacted] response. I have not spoken to anyone at nationwide. 
Her response was a lie and yet she evades addressing my concerns concerning the $8000.00 dollars which I believe was the quote they received on how the martial would cost for the roof that's why she is avoiding the question. 
I am rejecting [redacted] responses. I have attached two screen shots of the message board that will not let me reject and respond from that page. 
As I stated before in my concerns that Nationwide is not trying to resolve this complaint there just delaying any resolution as I informed you before [redacted] 
[redacted]

I have received Ms. [redacted]’s response and would like to address her concerns.
 
Ms. [redacted] reached out to me directly last evening, and forwarded me numerous emails between her and the Nationwide claims adjuster. I reviewed the emails and advised Ms. [redacted] then, and will reiterate it now, that Nationwide cannot compensate her or her son for pain and suffering until her insurance carrier, [redacted] Insurance, pays the $2000 threshold for medical bills. If that is done, pursuant to Kansas state statute, Nationwide can then make an offer for her and her son’s pain and suffering. We contacted [redacted] today, on December 6, 2016, and they confirmed they have not paid any bills for either Ms. [redacted] or her son, so we we are unable to make an offer to Ms. [redacted] at this time.
 
We apologize for any initial confusion regarding a settlement and payment of medical bills.  However, as stated, we are unable to consider any injury settlement until the Kansas tort threshold has been met as per Kansas state statute.
 
If you require further assistance, please contact our Customer Advocacy Coordinator, Claire S[redacted], at ###-###-#### or by email at [redacted]@nationwide.com.

I loved Nationwide, until I had to file a claim with them. The process was rather simple pay my deductible and get serviced. It should be noted that this is for an accident that I was not at fault in. I was T-boned by a lady as I was driving down a park lot aisle. She came flying out of her parking space. It has been over a year and I have not received the deductible that they said I would get back. I called them and was essentially told I was out of luck, you know after paying them for there services and all. I was not treated well, nor was I kept in the loop about the situation. I work in customer service and would be fired for the service I have received.

Mr. [redacted] applied for a Home Equity Line of Credit (HELOC) with Nationwide Bank. The information he cites from www.bankrate.com is correct. The 4.4% rate shown,...

however, is dependent upon a maximum Loan to Value (LTV) ratio of 80%.
When Mr. [redacted] applied for the Line of Credit, he agreed to Terms and Conditions, including, but not limited to, “All loans are subject to approval and rates vary based on your credit history and loan to value ratio.” Nationwide requested a drive-by appraisal of the home, which was completed on April 13, 2016. That appraisal provided a property value of $309,000.00. With that, the amount of the first mortgage, combined with the requested HELOC loan, determined a LTV in excess of the minimum of 80%. The appraisal was provided to Nationwide Bank and to Mr. [redacted]. Mr. [redacted] disputed the validity of appraisal. Upon receipt of the dispute, the appraisal was reviewed, considering the information included in the dispute. A new appraisal was completed on April 19, 2016. The appraised amount remained the same, and included an addendum responding to the concerns Mr. [redacted] raised in his dispute. The new appraisal was provided to Nationwide Bank and to Mr. [redacted] again. The HELOC application has not been closed. Mr. [redacted] is welcome to continue with his existing request, but at a higher interest rate and a lower maximum loan amount, determined by the LTV. Sincerely, Ann C[redacted] Sr. Analyst, Customer Advocacy Nationwide Bank

Thank you for your inquiry on behalf of [redacted].Policy detailsOwner: UnknownInsured: UnknownPolicy number: UnknownCase number: [redacted]
What I found
After searching our records, I could not locate any life insurance policy in the name of [redacted].Please have this client provide a copy of any document she received from our company which reflects herpolicy/contract number. This will help us identify the area which services her policy.
Upon receipt of this additional information, I will be glad to check our records further. Thank you for yourassistance.
For help when you need it
If you have any questions or need additional information, contact our service center at ###-###-####. Ourspecialists are available Monday through Friday, 8 a.m. to 8 p.m., Eastern time. Or you can contact me by calling###-###-#### or by emailing [redacted].
Sincerely,
Kathy V[redacted]Nationwide Life Insurance Company