09/25/2024 | Press release | Distributed by Public on 09/25/2024 07:48
Accumulation Unit- An accounting unit of measure of an investment in, or share of, a Sub-Account. Accumulation
Unit values are initially set at $10 for each Sub-Account.
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Attained Age - A person's Issue Age plus the number of full years since the Policy Date.
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Base Policy Specified Amount- The amount of insurance coverage selected under the base policy, excluding any
Rider coverage.
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Cash Surrender Value - The Cash Value minus Indebtedness and any surrender charge.
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Cash Value - The total amount allocated to the Sub-Accounts, the policy loan account, and the Fixed Account.
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Code - The Internal Revenue Code of 1986, as amended.
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Commissionable Target Premium- is an amount used in the calculation of the Percent of Premium Charge and
total compensation Nationwide pays. Commissionable Target Premium is actuarially derived based on the Base
Policy Specified Amount, the Insureds' characteristics and the death benefit option of the policy.
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Death Benefit - The amount paid upon the Surviving Insured's death, before the deduction of any Indebtedness,
reduction for any long-term care benefits paid, adjustments or reductions under the Long-Term Care Rider, or due
and unpaid policy charges.
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Directed Monthly Deductions- A Policy Owner's election to have deductions for monthly policy charges, including
Ridercharges, deducted from a single Sub-Account or the Fixed Account. If the selected investment option's value is
insufficient to cover the full monthly deduction, the remainder of the monthly deduction will be deducted as described
in How Monthly Charges are Deducted. The amounts allocated to Enhanced Dollar Cost Averaging programs and
Program Value applied to the Extended No-Lapse Guarantee Rider Advantage Program are not available for
Directed Monthly Deductionelection.
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Extended No-Lapse Guarantee Rider Advantage Program Value ("Program Value")- Premium received during
the first policy year, plus loan repayments to the extent of Program Value that was transferred to the collateral
account for a policy loan, and Investment Experience on those amounts minus amounts transferred pursuant to the
Extended No-Lapse Guarantee Rider Advantage Program, partial surrenders, and policy and Rider charges
deducted. Policy loan interest is not credited to the Program Value.
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Extended No-Lapse Guarantee Value- A reference value used only for determining whether the requirements of the
Extended No-Lapse Guarantee Rider are met.
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Fixed Account - An investment option that is funded by Nationwide's general account.
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Four Year Term Insurance Rider Specified Amount- The dollar amount of the death benefit provided by the Four
Year Term Insurance Rider, if elected and In Force.
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Grace Period- A 61-day period after which the Policy will Lapse if sufficient payments are not made to prevent Lapse.
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In Force - Any time during which benefits are payable under the policy and any elected Rider(s).
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Indebtedness - The total amount of all outstanding policy loans, including principal and interest due.
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Insureds - The persons whose lives are insured under the policy. The death of the Surviving Insured triggers payment
of the Death Benefit.
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Investment Experience - The market performance of a mutual fund/Sub-Account.
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Investment in the Contract - The amount that may be withdrawn from the policy tax free as defined in Section
72(e)(6) of the Code, see Taxes.
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Issue Age - A person's age based on their birthday nearest the Policy Date. If their last birthday was more than 182
days prior to the Policy Date, their nearest birthday will be their next birthday.
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Lapse - The policy terminates without value.
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Long-Term Care Specified Amount - The elected Long-Term Care Rider benefit amount for an Insured covered
under the Long-Term Care Rider adjusted for any post issue increases and decreases.
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Maturity Date - The policy anniversary on which the younger Insured reaches, or would have reached, Attained Age
120.
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Minimum Required Death Benefit - The lowest Death Benefit that will qualify the policy as life insurance under the
Code.
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Nationwide - Nationwide Life and Annuity Insurance Company.
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Net Amount At Risk- The base policy's Death Benefit minus the policy's Cash Value.
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Net Asset Value (NAV) - The price of each share of a mutual fund in which a Sub-Account invests. NAV is calculated
by subtracting the mutual fund's liabilities from its total assets, and dividing that figure by the number of shares
outstanding. Nationwide uses NAV to calculate the value of Accumulation Units. NAV does not reflect deductions
made for charges taken from the Sub-Accounts.
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Net Premium - Premium after transaction charges, but before any allocation to an investment option.
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No-Lapse Guarantee Monthly Premium- Dollar amounts used to calculate the Premium that must be paid to meet
the requirements of the Guaranteed Policy Continuation Provision.
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No-Lapse Guarantee Period- The length of time during which the Guaranteed Policy Continuation Provision is
available.
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Policy Date - The date the policy takes effect as shown in the Policy Specification Pages. Policy years, months, and
anniversaries are measured from this date.
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Policy Monthaversary - The same day of the month as the Policy Date for each succeeding month. In any month
where such day does not exist (e.g. 29th, 30th, or 31st), the Policy Monthaversary will be the last day of that calendar
month.
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Policy Owner- The person or entity named as the owner on the application, or the person or entity assigned
ownership rights. More than one person or entity may be named Policy Owner.
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Policy Proceeds or Proceeds - Policy Proceeds may constitute the Death Benefit, or the amount payable if the policy
matures or is surrendered, adjusted to account for any unpaid charges, Indebtedness and Rider benefits.
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Policy Specification Page(s) - The Policy Specification Page(s) are issued as part of the policy and contain
information specific to the policy and the Insureds, including coverage and Rider elections. Updated Policy
Specification Page(s)will be issued if the Policy Owner makes any changes to coverage elections after the policy is
issued.
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Premium - Amount(s) paid to purchase and maintain the policy.
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Percent of Premium Charge - The aggregate of the sales load and premium tax charges.
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Returned Premium- Any return of Premium due to Code Section 7702 or 7702A.
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Rider - An optional benefit purchased under the policy. Rider availability and Rider terms may vary depending on the
state in which the policy was issued.
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SEC - Securities and Exchange Commission.
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Service Center- The department of Nationwide responsible for receiving all service and transaction requests relating
to the policy. For service and transaction requests submitted other than by telephone (including fax requests), the
Service Centeris Nationwide's mail and document processing facility. For service and transaction requests
communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to
contact the Service Center is in the Contacting the Service Centerprovision.
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Sub-Account(s) - The mechanism used to account for allocations of Net Premium and Cash Value among the
policy's variable investment options.
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Substandard Rating- An underwriting classification based on medical and/or non-medical factors used to determine
what to charge for life insurance based on characteristics of the Insureds beyond traditional factors for standard
risks, which include Attained Age, sex, and tobacco habits of the Insureds. Substandard Ratings are shown in the
Policy Specification Pagesas rate class multiples (medical factors) and/or monthly flat extras (medical and/or non-
medical factors). The higher the rate class multiple or monthly flat extra, the greater the risk assessed and the higher
the cost of coverage.
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Surviving Insured - The living Insured after one of the Insureds dies.
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Total Long-Term Care Benefit Value - An amount equal to the sum of the Long-Term Care Specified Amounts for
any Insureds whose Long-Term Care Rider coverage is In Force, plus the long-term care benefits paid for any
Insuredwho has terminated their Long-Term Care Rider coverage after long-term care benefits have been paid for
that Insured.
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Total Long-Term Care Specified Amount - The sum of any Long-Term Care Specified Amounts for Insureds
covered by the Long-Term Care Rider.
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Valuation Period - The period during which Nationwide determines the change in the value of the Sub-Accounts.
One Valuation Period ends and another begins as of the close of regular trading on the New York Stock Exchange.
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Variable Account - Nationwide VL Separate Account-G, a separate account that Nationwide established to hold
Policy Ownerassets allocated to variable investment options. The Variable Account is divided into Sub-Accounts,
each of which invests in a separate underlying mutual fund.
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Page
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Glossary
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2
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Important Information You Should Consider About the Policy
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7
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Overview of the Policy
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9
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Purpose
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9
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Premiums
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9
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Policy Features
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9
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Fee Table
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12
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Principal Risks
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14
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Unfavorable Sub-Account Investment Experience
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15
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Risk of Policy Lapse
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15
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Risk of Increase in Current Fees and Charges
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15
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Risk of Allocating Cash Value to the Fixed Account
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15
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Limitation of Access To Cash Value
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15
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Fixed Account Transfer Restrictions and Limitations
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16
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Sub-Account Transfer Limitations
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16
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Sub-Account Investment Risk
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16
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Adverse Tax Consequences
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16
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State Variations
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16
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Cybersecurity
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17
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Business Continuity Risks
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17
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Nationwide Life and Annuity Insurance Company
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17
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Nationwide VL Separate Account-G
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17
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Organization, Registration, and Operation
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17
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Addition, Deletion, or Substitution of Mutual Funds
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18
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Voting Rights
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19
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Material Conflicts
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19
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Policy Investment Options
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19
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Variable Investment Options
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19
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Valuation of Accumulation Units
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20
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How Sub-Account Investment Experience is Determined
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20
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Fixed Account
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21
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Transfers Among and Between the Policy Investment Options
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22
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Sub-Account Transfers
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22
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Fixed Account Transfers
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24
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Contacting the Service Center
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24
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The Policy
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25
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General Information
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25
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Policy Owner and Beneficiaries
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26
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Purchasing a Policy
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26
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Right to Cancel (Examination Right)
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27
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Allocation of Net Premium During Right to Cancel Period
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28
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Premium Payments
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28
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Conditional Reduction of the Cost of Insurance Rate
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28
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Cash Value
|
29
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Changing the Amount of Insurance Coverage
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29
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Right of Conversion
|
30
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Terminating the Policy
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30
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Assigning the Policy
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30
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Reminders, Reports, and Illustrations
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30
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Other Benefits Available Under the Policy
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31
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Standard Policy Charges
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33
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How Monthly Charges are Deducted
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34
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Percent of Premium Charge
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34
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Service Fees
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34
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Partial Surrender Fee
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35
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Surrender Charge
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35
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Cost of Insurance Charge
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36
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Page
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Percent of Sub-Account Value Charge
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36
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Administrative Per Policy Charge
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36
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Per $1,000 of Specified Amount Charge
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37
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Mutual Fund Operating Expenses
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37
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Reduction of Charges
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37
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A Note on Charges
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38
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Information on Underlying Mutual Fund Service Fee Payments
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38
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Policy Riders and Rider Charges
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40
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Overloan Lapse Protection Rider II
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40
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Long-Term Care Rider
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42
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Four Year Term Insurance Rider
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46
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Policy Split Option Rider
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47
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Extended No-Lapse Guarantee Rider
|
48
|
Policy Owner Services
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53
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Dollar Cost Averaging
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53
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Asset Rebalancing
|
54
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Automated Income Monitor
|
55
|
Policy Loans
|
57
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Loan Amount
|
57
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Collateral and the Policy Loan Account
|
57
|
Interest Charged
|
58
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When Interest is Charged and Credited
|
58
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Repayment
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58
|
Lapse
|
59
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Guaranteed Policy Continuation Provision
|
59
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Grace Period
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60
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Reinstatement
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60
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Surrenders
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61
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Full Surrender
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61
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Partial Surrender
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61
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The Death Benefit
|
62
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Standard Death Benefit Options
|
62
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Calculation of the Death Benefit
|
62
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The Minimum Required Death Benefit
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62
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Changes in the Death Benefit Option
|
63
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Incontestability
|
64
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Suicide
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64
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Policy Maturity
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64
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Extending Coverage Beyond the Maturity Date
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64
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Payment of Policy Proceeds
|
65
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Minimum Long-Term Care Rider Death Benefit Proceeds
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65
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Treatment of Unclaimed Property
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65
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Policy Settlement Options
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65
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Payments to Minors
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66
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Taxes
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66
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Legal Proceedings
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74
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Nationwide Life and Annuity Insurance Company
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74
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Nationwide Investment Services Corporation
|
74
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Financial Statements
|
75
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Appendix A: Underlying Mutual Funds Available Under the Policy
|
76
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Extended No-Lapse Guarantee Rider Investment Options
|
79
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Appendix B: State Variations
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81
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FEES AND EXPENSES
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Charges for Early
Withdrawals
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Surrender Charge - For up to 15years from the Policy Date, or effective date of any Base
Policy Specified Amount increase, a surrender charge is deducted if the policy is
surrendered, Lapses, or there is a requested decrease of the Base Policy Specified
Amount (see Surrender Charge). This charge will vary based upon the individual
characteristics of the Insureds. The maximum surrender charge is $47.50 per $1,000 of
Base Policy Specified Amount, or 4.750% of the Base Policy Specified Amount. For
example, for a policy with a $100,000 Base Policy Specified Amount, a complete surrender
could result in a surrender charge of $4,750.
Partial Surrender Fee - Deducted from the partial surrender amount requested (see
Partial Surrender Fee). Currently, Nationwide waives the Partial Surrender Fee.
Nationwide may elect in the future to assess a Partial Surrender Fee. The Partial
Surrender Fee assessed to each surrender will not exceed the lesser of $25 or 5% of the
amount surrendered.
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Transaction Charges
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The Policy Owner may also be charged for other transactions as follows:
● Percent of Premium Charge - Deducted from each Premium payment applied to a
policy.
● Service Fee - Upon requesting an illustration, policy loan, or copies of transaction
confirmations and statements.
● Rider Charges - One time rider charges for certain benefits, deducted upon invoking the
rider.
See Standard Policy Charges and Policy Riders and Rider Charges.
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Ongoing Fees and
Expenses (periodic
charges)
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In addition to surrender charges and transaction charges, an investment in the policy is
subject to certain ongoing fees and expenses, including fees and expenses covering the
cost of insurance under the policy and the cost of optional benefits available under the
policy, and such fees and expenses are set based on characteristics of the Insureds (e.g.,
ages, sexes, and rating classifications), see Standard Policy Chargesand Policy Riders
and Rider Charges. Please refer to the Policy Specification Pages of your policy for rates
applicable to the policy.
|
|
A Policy Owner will also bear expenses associated with the underlying mutual funds under
the policy, as shown in the following table:
|
||
Annual Fee
|
Minimum
|
Maximum
|
Investment options (underlying mutual fund fees
and expenses)
|
0.11%1
|
1.29%1
|
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1 As a percentage of underlying mutual fund assets.
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RISKS
|
|
Risk of Loss
|
Policy Owners of variable life insurance can lose money by investing in the policy, including
loss of principal (see Principal Risks).
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Not a Short-Term
Investment
|
The policy is not a short-term investment and is not appropriate for an investor who needs
ready access to cash (see Principal Risks).
A surrender charge may apply (see Surrender Charge). In addition, taking policy loans
may increase the risk of Lapse and may result in adverse tax consequences (see Policy
Loans).
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Risks Associated with
Investment Options
|
● Investment in this policy is subject to the risk of poor investment performance of the
investment options chosen by the Policy Owner.
● Each investment option and the Fixed Account will have its own unique risks.
● Review the prospectuses and disclosures for the investment options before making an
investment decision.
● Investment Experience of the policy can vary depending on the available policy
investment options selected by the Policy Owner.
See Principal Risks.
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RISKS
|
Insurance Company Risks
|
Investment in the policy is subject to the risks associated with Nationwide, including that
any obligations (including under any general account options), guarantees, or benefits are
subject to the claims-paying ability of Nationwide. More information about Nationwide,
including its financial strength ratings, is available by contacting the Service Center (see
Principal Risks).
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Policy Lapse
|
The policy is at risk of Lapsing when the Cash Surrender Value is insufficient to cover the
monthly policy charges, including Rider charges. Cash Surrender Value can be reduced by
unfavorable Investment Experience, policy loans, partial surrenders and the deduction of
policy charges. Payment of insufficient Premium may cause the policy to Lapse. There is
no separate additional charge associated with reinstating a Lapsed policy. The Death
Benefit will not be paid if the policy has Lapsed.
For more information, see Principal Risks andLapse.
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RESTRICTIONS
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Investments
|
● Nationwide may restrict the form in which Sub-Account transfer requests will be
accepted (see Sub-Account Transfers).
● Nationwide may limit the frequency and dollar amount of transfers involving the Fixed
Account (see Fixed Account Transfers).
● Nationwide reserves the right to add, remove, and substitute investment options
available under the policy (see Addition, Deletion, or Substitution of Mutual Funds).
|
Optional Benefits
|
● Certain optional benefits may be subject to availability, eligibility, and/or invocation
requirements. Availability of certain optional benefits may be subject to Nationwide's
underwriting approval for the optional benefit.
● Certain optional benefits limit or restrict the investment options available for
investment.
● Policy loans are not permitted while benefits are being paid under certain optional
benefits.
● Nationwide reserves the right to discontinue offering any optional benefit. Such a
discontinuance will only apply to new policies and will not impact any policies already
In Force.
For more information, see Policy Riders and Rider Charges.
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TAXES
|
|
Tax Implications
|
● Consult with a tax professional to determine the tax implications of an investment in
and payments received under this policy.
● Earnings on the policy are generally not taxable to the Policy Owner, unless withdrawn
from the policy. Partial and full surrenders from the policy will be subject to ordinary
income tax and may be subject to a tax penalty.
For more information, see Taxes.
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CONFLICTS OF INTEREST
|
|
Investment Professional
Compensation
|
Some financial professionals receive compensation for selling the policy. Compensation
can take the form of commission and other indirect compensation in that Nationwide may
share the revenue it earns on this policy with the financial professional's firm. This conflict
of interest may influence a financial professional, as these financial professionals may
have a financial incentive to offer or recommend this policy over another investment (see A
Note on Charges).
|
Exchanges
|
Some financial professionals may have a financial incentive to offer an investor a new
policy in place of the one he/she already owns. An investor should only exchange his/her
policy if he/she determines, after comparing the features, fees, and risks of both policies,
that it is preferable for him/her to purchase the new policy, rather than to continue to own
the existing one (see Exchanging the Policy for Another Life Insurance Policy).
|
Transaction Fees
|
|||
Charge
|
When Charge is
Deducted
|
Amount Deducted
|
|
Percent of Premium Charge
|
Upon making a Premium
payment
|
Maximum:
12% of each Premium
|
Currently:
6% of each Premium
|
Service Fee1
|
Upon requesting an
illustration, policy loan, or
copies of transaction
confirmations and
statements
|
Maximum:
$25
|
Currently:
$0
|
Partial Surrender Fee
|
Upon a partial surrender
|
Maximum:
lesser of $25or 5% of
the amount surrendered
from the policy's Cash
Value
|
Currently:
$0
|
Surrender Charge†
|
Upon surrender, policy
Lapse, and certain Base
Policy Specified Amount
decreases
|
Maximum:
$47.50per $1,000 of
Base Policy Specified
Amount
|
Minimum:
$1.17per $1,000 of Base
Policy Specified Amount
|
Representative: male, Issue Age 55, non-
tobacco and female, Issue Age 55,non-
tobacco, Base Policy Specified Amount
$1,000,000, Death Benefit Option 1 and a
complete surrender of the policy in year
one
|
Upon surrender, policy
Lapse, and certain Base
Policy Specified Amount
decreases
|
$23.46 per $1,000 of Base Policy Specified Amount
from the policy's Cash Value
|
Overloan Lapse Protection Rider II
Charge†
|
Upon invoking the Rider
|
Maximum:
$185.00per $1,000 of
Cash Value
|
Minimum:
$1.50per $1,000 of Cash
Value
|
Representative: the younger Insured is
Attained Age 85 with a Cash Value of
$500,000, assuming the guideline
premium/cash value corridor life insurance
qualification test is elected
|
Upon invoking the Rider
|
$32 per $1,000 of Cash Value
|
Extended No-Lapse Guarantee Rider
Percent of Premium Charge†
|
Upon making a Premium
payment
|
Maximum:15% of each
Premium
|
Minimum:
0% of each Premium
|
Representative: an Attained Age 35 male
preferred non-tobacco, and Attained Age
35 female, preferred non-tobacco and
policy year one
|
Upon making a Premium
payment
|
10% of each Premium
|
Periodic Charges Other than Annual Underlying Mutual Fund Expenses
|
|||
Base Contract Charges
|
|||
Charge
|
When Charge is
Deducted
|
Amount Deducted
|
|
Cost of Insurance Charge†
|
Monthly
|
Maximum:
$83.34per $1,000 of Net
Amount At Risk
|
Minimum:
$0.00per $1,000 of Net
Amount At Risk
|
Representative: male, Issue Age 55, non-
tobacco and female, Issue Age 55, non-
tobacco, Base Policy Specified Amount of
$1,000,000, Death Benefit Option 1 and
policy year ten
|
Monthly
|
$0.0096 per $1,000 of Net Amount At Risk
|
Flat Extra Charge1
|
Monthly
|
Maximum:
$2.09per $1,000 of Net Amount At Risk for each Flat
Extra assessed
|
|
Percent of Sub-Account Value Charge
|
Monthly
|
Maximum:
0.50% annually (0.042%
monthly) of Cash Value
allocated to the Sub-
Accounts
|
Currently:
0.10% annually (0.008%
monthly) of Cash Value
allocated to the Sub-
Accounts
|
Administrative Per Policy Charge
|
Monthly
|
Maximum:
$20.00per policy
|
Currently:
$10.00per policy
|
Per $1,000 of Specified Amount
Charge†
|
Monthly
|
Maximum:
$3.14per $1,000 of
Base Policy Specified
Amount
|
Minimum:
$0.09per $1,000 of Base
Policy Specified Amount
|
Representative: male, Issue Age 55, non-
tobacco and female, Issue Age 55, non-
tobacco, Base Policy Specified Amount of
$1,000,000, Death Benefit Option 1 and
policy year one
|
Monthly
|
$0.30 per $1,000 of Base Policy Specified Amount
|
Policy Loan Interest Charge2
|
Annually
and at the time of certain
events and transactions
|
Maximum:
3.90% of Indebtedness
|
Currently:
3.90% of Indebtedness
|
Optional Benefit Charges
|
|||
Charge
|
When Charge is
Deducted
|
Amount Deducted
|
|
Long-Term Care Rider Charge†
|
Monthly
|
Maximum:
$4.17per $1,000 of Long
-Term Care Rider
Specified Amount
|
Minimum:
$0.00per $1,000 of
Long-Term Care Rider
Specified Amount
|
Representative: an Issue Age 35 male
preferred non-tobacco
|
Monthly
|
$0.10 per $1,000 of Long-Term Care Rider Specified
Amount
|
Optional Benefit Charges
|
|||
Four Year Term Insurance Rider
Charge†
|
Monthly
|
Maximum:
$83.34per $1,000 of
Rider
Death Benefit
|
Minimum:
$0.00per $1,000 of Rider
Death Benefit
|
Representative: male, Issue Age 55, non-
tobacco and female, Issue Age 55, non-
tobacco, Base Policy Specified Amount
$1,000,000, Death Benefit Option 1 and
policy year four
|
|
$0.0009 per $1,000 of Rider Death Benefit
|
Policy Split Option Rider Charge†
|
Monthly
|
Maximum:
$0.03per $1,000 of
Base Policy Specified
Amount
|
Minimum:
$0.01per $1,000 of
Base Policy Specified
Amount
|
Representative: male, Issue Age 55, non-
tobacco and female, Issue Age 55, non-
tobacco, Total Specified Amount and Base
Policy Specified Amount $1,000,000,
Death Benefit Option 1 and policy year
one
|
|
$0.022 per $1,000 of Base Policy Specified Amount
|
Extended No-Lapse Guarantee Rider
Percent of Sub-Account Value Charge
|
Monthly
|
Maximum:
0.124% of Cash Value
allocated to the Sub-
Accounts
|
Minimum:
0% of Cash Value
allocated to the Sub-
Accounts
|
Representative: an Attained Age 55 male
preferred non-tobacco and Attained Age
55 female, preferred non-tobacco and
policy year one
|
Monthly
|
0.075% of Cash Value allocated to the Sub-Accounts
|
Annual Underlying Mutual Fund Expenses
|
||
|
Minimum
|
Maximum
|
(Expenses that are deducted from underlying mutual fund assets, including
management fees, distribution and/or service (12b-1) fees, and other expenses, as a
percentage of average underlying mutual fund net assets.)
|
0.11%
|
1.29%
|
Trading Behavior
|
Nationwide's Response
|
Six or more transfer events within
one calendar quarter
|
Nationwide will mail a letter to the Policy Owner notifying them that:
(1)they have been identified as engaging in harmful trading practices; and
(2)if their transfer events total 11 within two consecutive calendar quarters or 20 within one
calendar year, the Policy Owner will be limited to submitting transfer requests via U.S. mail.
|
11 transfer events within two
consecutive calendar quarters
OR
20 transfer events within one
calendar year
|
Nationwide will automatically limit the Policy Owner to submitting transfer requests via U.S.
mail.
|
Name of Benefit
|
Purpose
|
Is Benefit
Standard or
Optional
|
Brief Description of Restrictions/Limitations
|
Guaranteed Policy
Continuation
|
During the No-Lapse
Guarantee Period, the
policy will not Lapse if
Premium requirements
are satisfied
|
Standard
|
● The No-Lapse Guarantee Monthly Premium can
change due to action by the Policy Owner
● When the No-Lapse Guarantee Period ends, the
policy may be at risk of Lapse
See Guaranteed Policy Continuation Provision
|
Dollar Cost Averaging
|
Long-term transfer
program involving
automatic transfer of
assets
|
Standard
|
● Transfers are only permitted from the Fixed Account
and a limited number of Sub-Accounts
● Transfers may not be directed to the Fixed Account
● Transfers from the Fixed Account must be no more
than 1/12thof the Fixed Account value at the time
the program is elected
● Nationwide may modify, suspend, or discontinue
these programs at any time
● Transfers are only made monthly
See Policy Owner Services
|
Enhanced Dollar Cost
Averaging
|
Long-term transfer
program involving
automatic transfer of
Fixed Account
allocations with higher
interest crediting rate
|
Standard
|
● Only available at the time of application, and only
initial Premium is eligible for the program
● Extended No-Lapse Guarantee Rider Advantage
Program is not available when Enhanced Dollar
Cost Averaging is elected
● Transfers are only permitted from the Fixed Account
● Transfers are only made monthly and only for the
first policy year
See Policy Owner Services
|
Asset Rebalancing
|
Automatic reallocation
of assets on a
predetermined
percentage basis
|
Standard
|
● Assets in the Fixed Account are excluded from the
program
● Rebalances only permitted on a three, six, or 12
month schedule
See Policy Owner Services
|
Name of Benefit
|
Purpose
|
Is Benefit
Standard or
Optional
|
Brief Description of Restrictions/Limitations
|
Automated Income
Monitor
|
Systematic partial
surrender and/or policy
loan program to take an
income stream of
scheduled payments
from the Cash Value
|
Standard
|
● Only available to policies that are not modified
endowment contracts
● Policy Owners are responsible for monitoring the
policy to prevent Lapse
● Program will terminate upon the occurrence of
specified events
● Nationwide may modify, suspend, or discontinue the
program at any time
See Policy Owner Services
|
Overloan Lapse
Protection Rider II
|
Prevent the policy from
Lapsing due to
Indebtedness
|
Optional
|
● Subject to eligibility requirements to invoke the
Rider
● Election to invoke is irrevocable
● Once invoked, all other Riders terminate
● Cash Value will be transferred to the Fixed Account
and may not be transferred out
● No further loans or partial surrenders may be taken
from the policy
|
Long-Term Care Rider
|
Accelerates a portion of
the Base Policy
Specified Amount for
qualified long-term care
services for one or both
Insureds
|
Optional
|
● Underwriting requirements for the Rider are
separate and distinct from the policy, and the Rider
does not provide benefits for certain conditions or
events
● Insureds must be between Attained Age 35 and 80
when the Rider is elected
● Long-Term Care Specified Amount elected for a
covered Insured must be at least 10% of the Base
Policy Specified Amount and no more than the
lesser of 50% of the Base Policy Specified Amount
or the maximum dollar amount Nationwide is
offering when the policy is issued
● Subject to maximum monthly benefit
● Subject to eligibility requirements to invoke the
Rider
● Subject to an elimination period, a 90-day waiting
period, before benefits are paid
● Written notice of claim is required
● Benefit associated with the Rider may not cover all
long-term care costs incurred
● While benefit is being paid no loans or partial
surrenders may be taken from the policy
|
Four Year Term
Insurance Rider
|
Adds an elected
percentage of the Base
Policy Specified Amount
to the Death Benefit
|
Optional
|
● Rider only available to be elected at the time of
application
● Rider benefit limited to the elected percentage from
10% to 122.22% of the Base Policy Specified
Amount on the Policy Date reduced by any
decreases
● The Surviving Insured must die while the Policy is
In Force and within four years of the Policy Date
● If the Surviving Insured commits suicide within two
years from the Policy Date, the benefit will be
limited to the total charge deducted for this Rider
● The Policy Owner may not change, increase, or
decrease the Four Year Term Insurance Rider
Specified Amount
● The Rider terminates if either the Extended No-
Lapse Guarantee Rider or the Policy Split Option
Rider is invoked
|
Name of Benefit
|
Purpose
|
Is Benefit
Standard or
Optional
|
Brief Description of Restrictions/Limitations
|
Policy Split Option Rider
|
Allows Policy Owner to
exchange the policy for
two non-term individual
life insurance policies
without additional
evidence of insurability
|
Optional
|
● Rider only available to be election at the time of
application
● Can only be invoked upon the occurrence of one of
two limited events: certain marriage terminations or
certain federal tax law changes
● The Policy Owner must provide Nationwide with
written notice of a qualifying event within 12 months
of its occurrence
● Cannot be invoked during a Grace Period, after one
Insured has died, or when the older Insured
reaches Attained Age 80
● Rider must be terminated to add Long-Term Care
Rider after the policy is issued
|
Extended No-Lapse
Guarantee Rider
|
Provides Lapse
protection after the
protection provided by
the Guaranteed Policy
Continuation Provision
has ended
|
Optional
|
● Rider only available to be elected at the time of
application for policies with Death Benefit option 1
● If the Death Benefit is changed from Death Benefit
Option 1 this Rider will terminate
● Policy must be managed as illustrated to maintain
the Rider's no-lapse guarantee
● Available variable investment options are limited
|
Extended No-Lapse
Guarantee Rider
Advantage Program
|
To provide a reduced
percent of Premium
no-lapse guarantee
charge factor rate if
Program requirements
are met
|
Optional
|
● Only available to be elected at the time of
application when the Extended No-Lapse
Guarantee Rider is elected
● Only Premium received during the first policy year
in excess of a designated dollar amount receives
the reduced charge factor rate
● All Premium received during the first policy year is
applied to the program's originating Sub-Account
● Transfers are only made monthly from the date the
initial Premium is applied and the program
terminates after 60 transfers
● Available investment options to receive program
transfers are limited to the options available under
the Extended No-Lapse Guarantee Rider
● Enhanced dollar cost averaging is not available
when the Advantage Program is elected
● Program Value is not available to participate in
dollar cost averaging, asset rebalancing programs,
or Directed Monthly Deductions
● Requested termination of the program is not
permitted without first terminating the Extended No-
Lapse Guarantee Rider
|
Example:
|
Assume the policy is currently In Force and the following:
|
● The policy was issued with the cash value accumulation life insurance qualification test
|
● The younger Insured's Attained Age is 77
|
● Policy is in its 23rd policy year
|
● Death Benefit Option 2
|
● Base Policy Specified Amount: $500,000
|
● Indebtedness: $195,000
|
● Long-term care benefits paid: $120,000
|
● Cash Value: $375,000
|
● Applicable age-based factor for determining rider charge: 14.7%
|
Using the above assumptions, a decision to invoke the Rider would impact the policy as
follows:
|
(1) The death benefit option will be changed from Death Benefit Option 2 to Death Benefit
Option 1.
|
(2) The one-time charge for invoking the Rider will be $55,125 ($375,000 x 14.7%) and will
be deducted from the Cash Value, reducing the Cash Value to $319,875 ($375,000 -
$55,125)
|
(3) The non-loaned Cash Value $124,875 ($319,875 - $195,000) will be transferred to the
Fixed Account where it will earn at least the minimum guaranteed fixed interest rate.
|
(4) The policy loan account ($195,000) will continue to earn interest at the policy's loan
crediting rate.
|
(5) The Indebtedness ($195,000) will continue to grow at the policy's loan interest charged
rate.
|
(6) After this Rider is invoked, no other changes to the policy can be made.
|
Example:
|
Assume a covered Insured's Long-Term Care Specified Amount is $400,000. If the
invocation requirements below are satisfied and the 90-day elimination period has been
satisfied, the Policy Owner can choose a monthly benefit up to 2% of the Long-Term Care
Specified Amount ($400,000 x 2%=$8,000). If there is no Indebtedness, this monthly benefit
will be paid until either the covered Insured no longer meets the eligibility requirements or
the entire $400,000 has been paid. If there is Indebtedness, monthly benefits will end when
the accumulated benefits become greater than or equal to a covered Insured's maximum
lifetime benefit.
|
Example:
|
Assume the following:
|
● Base Policy Specified Amount is $500,000
|
● Death Benefit Option 2
|
● Cash Value is $40,000
|
● Four Year Term Insurance Rider Specified Amount is $611,100 ($500,000 x 122.22%)
|
● No Indebtedness
|
● No Long-Term Care Rider benefits have been paid
|
● Neither the Extended No-Lapse Guarantee Rider nor the Policy Split Option Rider have
been invoked
|
If the Surviving Insured dies within the first four policy years and the Surviving Insured did
not commit suicide within the first two years from the Policy Date, the Death Benefit under
the base policy will be $540,000 and the Death Benefit under the Four Year Term Insurance
Rider will be $611,100, for a total Death Benefit of $1,151,100.
|
Example:
|
Assume both Insureds are living, the Rider was elected at the time of application, one of
the two events described above has occurred, and the following:
|
● Base Policy Specified Amount of the initial policy: $500,000
|
● Cash Value of the initial policy: $60,000
|
This Rider allows the initial policy to be terminated and two new separate individual life
insurance policies be issued on each Insured as follows:
|
Policy 1, insuring Insured 1
|
● Base Policy Specified Amount = Base Policy Specified Amount of initial policy x 50% =
$500,000 x 50% = $250,000
|
● Premium Applied = Cash Value of initial policy x 50% = $60,000 x 50% = $30,000
|
Policy 2, insuring Insured 2
|
● Base Policy Specified Amount = Base Policy Specified Amount of initial policy x 50% =
$500,000 x 50% = $250,000
|
● Premium Applied = Cash Value of initial policy x 50% = $60,000 x 50% = $30,000
|
Example:
|
Assume the following:
|
● the Extended No-Lapse Guarantee Rider is In Force;
● the policy's Guaranteed Policy Continuation Provision has ended;
● the Extended No-Lapse Guarantee Value minus Indebtedness is greater than zero; and
● the Cash Surrender Value is $300
If, on the next Policy Monthaversary, the monthly deductions are greater than $300, the
policy will be kept In Force through Attained Age 120 as long as the Extended No-Lapse
Guarantee Value minus Indebtedness remains greater than zero.
|
Example:
|
Assume the following:
|
● Younger Insured is Male, Issue Age 35;
● Risk Class Non-Tobacco;
● Specified Amount $500,000; and
● no Riders elected except the Extended No-Lapse Guarantee Rider.
|
At the time of application, the Policy Owner elects the Extended No-Lapse Guarantee Rider,
elects to participate in the Extended No-Lapse Guarantee Rider Advantage Program and
submits an initial Premium in the first policy year of $61,470 to be allocated to the
originating Sub-Account.
|
He would like the Advantage Program transfers to be allocated as follows: 40% to Sub-
Account L and 60% to Sub-Account M. Each month, Nationwide will automatically transfer
Program Value to the selected Sub-Accounts based on the schedule above (1/60 of the
Program Value the first month; 1/59 of the Program Value the second month; etc.).
|
As a result of participating in the Advantage Program, the extended no-lapse guarantee
percent of Premium charge factor rate applied to the portion of the initial Premium in
excess of the designated Premium amount is lower in the first policy year than it would have
been if the Policy Owner had not participated in the Advantage Program. This allows for a
no-lapse guarantee to the younger Insured's Attained Age 120 (assuming no partial
surrenders or loans are taken from the policy). If the Policy Owner had not participated in
the Advantage Program, the initial Premium of $61,470 would have only provided a no-
lapse guarantee to the younger Insured's Attained Age 93.
|
Example:
|
Policy Owner elects to participate in Dollar Cost Averaging and has transferred $30,000 to
the Fixed Account, which will serve as the source investment option for her Dollar Cost
Averaging program. She would like the Dollar Cost Averaging transfers to be allocated as
follows: $1,500 to Sub-Account L and $1,000 to Sub-Account M. Each month, Nationwide
will automatically transfer $2,500 from the Fixed Account and allocate $1,000 to Sub-
Account M and $1,500 to Sub-Account L until the Fixed Account is depleted.
|
Beginning of Month
|
Fraction of Cash
Value Transferred
|
2
|
1/11
|
3
|
1/10
|
4
|
1/9
|
5
|
1/8
|
6
|
1/7
|
7
|
1/6
|
8
|
1/5
|
9
|
1/4
|
10
|
1/3
|
11
|
1/2
|
12
|
Remaining Amount
|
Example:
|
At the time of application, the Policy Owner elects to participate in Enhanced Dollar Cost
Averaging and submits an initial Premium of $25,000 to be allocated to the Fixed Account,
which will receive an enhanced interest crediting rate. He would like the Enhanced Dollar
Cost Averaging transfers to be allocated as follows: 40% to Sub-Account L and 60% to Sub-
Account M. Each month, Nationwide will automatically transfer Cash Value to the selected
Sub-Accounts based on the schedule above (1/11 of the Cash Value will be transferred at
the beginning of month 2; 1/10 of the Cash Value will be transferred at the beginning of
month 3; etc.).
|
Example:
|
Policy Owner elects to participate in Asset Rebalancing and has instructed his Cash Value
be allocated as follows and rebalanced on a quarterly basis: 40% to Sub-Account A, 40% to
Sub-Account B, and 20% to Sub-Account C. Each quarter, Nationwide will automatically
rebalance Policy Owner's Cash Value by transferring Cash Value among the three elected
Sub-Accounts so that his 40%/40%/20% allocation remains intact.
|
Example:
|
Assume:
|
● Younger Insured's Issue Age was 45.
● Policy Owner paid Premiums totaling $490,000 during the first 25 policy years.
● Just prior to policy year 26 (younger Insured's Attained Age 70) the policy's Cash Value is
just over $1,000,000 and the Investment in the Contract is $490,000.
● The Policy Owner completes an Automated Income Monitor election form and chooses a
5% gross rate of return, a goal of $100,000 Cash Surrender Value at the younger
Insured's Attained Age 95 and the Fixed Duration option for 25 years.
● The first AIM In Force illustration is run that solves for an annual income amount at an
assumed 5% gross rate of return and a goal of at least $100,000 of Cash Surrender
Value at the younger Insured's Attained Age 95. The result of the solve is an annual
income amount of $66,720.
A partial surrender of $66,720 will be processed and sent to the Policy Owner. Each year
thereafter, if the Automated Income Monitor program has not been terminated, another
illustration will be run with the same assumptions and income solve. The appropriate partial
surrender amount based on each solve will be processed. This will continue until the entire
$490,000 Investment in the Contract has been distributed through partial surrenders, then
the income amounts will be processed as loans.
|
Example:
|
Assume the following:
|
● The policy's Cash Value is $43,000 and it is allocated entirely to the Sub-Accounts.
|
● There is no existing Indebtedness.
|
● The Policy Owner has requested a $6,000 policy loan at the beginning of the first Policy
Year.
|
*For reference, the maximum policy loan would be $38,700 = $43,000 x 90% - $0.00
(Indebtedness)
|
Once the $6,000 loan is approved, $6,000 is paid directly to the Policy Owner from
Nationwide. $6,000 is transferred from the Sub-Accounts to the policy loan account. This
serves as collateral for Nationwide. The policy's Indebtedness on the day of the loan is
$6,000.
|
● At the end of the first Policy Year, assume the only loan the Policy Owner requested was
the $6,000 loan. Assuming the Policy Owner has not made any loan repayments, the
Indebtedness at the end of the next occurring policy anniversary is $6,120 due to $120 of
accrued loan interest during the year ($6,000 + $120 = $6,120). Should a claim for the
Death Benefit Proceeds be made, the Proceeds would be reduced by the $6,120
Indebtedness.
|
● Assuming no loan repayments are ever made, Indebtedness continues to accrue interest.
All unpaid loan interest will also be treated as new policy loans and loan interest will
continue to accumulate as Indebtedness
|
● If the Policy Owner submits a loan repayment, the amount of the loan repayment will be
transferred from the policy loan account and credited to the Cash Value.
|
● If any Indebtedness exists when the Surrender Proceeds or Death Benefit Proceeds
become payable, the Proceeds will be reduced by the total Indebtedness.
|
Younger Insured's Issue Age:
|
18-69
|
70 or older
|
Duration of No-Lapse Guarantee
Period:
|
the lesser of 20 policy years
or to the Younger
Insured's Attained Age 75
|
five policy years
|
Type
|
Underlying Mutual Fund and Adviser/Sub-Adviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Allocation
|
American Funds Insurance Series® - Asset Allocation Fund: Class 2
Investment Advisor: Capital Research and Management Company
|
0.55%
|
14.27%
|
9.20%
|
7.25%
|
Equity
|
American Funds Insurance Series® - Global Growth Fund: Class 1
Investment Advisor: Capital Research and Management Company
|
0.41%*
|
22.90%
|
13.94%
|
9.85%
|
Equity
|
American Funds Insurance Series® - Growth Fund: Class 1
Investment Advisor: Capital Research and Management Company
|
0.34%
|
38.81%
|
18.97%
|
14.64%
|
Equity
|
American Funds Insurance Series® - Growth-Income Fund: Class 1
Investment Advisor: Capital Research and Management Company
|
0.28%
|
26.46%
|
13.65%
|
11.19%
|
Equity
|
American Funds Insurance Series® - New World Fund®: Class 1
Investment Advisor: Capital Research and Management Company
|
0.57%*
|
16.22%
|
8.90%
|
4.95%
|
Equity
|
American Funds Insurance Series® - Washington Mutual Investors Fund:
Class 1
Investment Advisor: Capital Research and Management Company
|
0.25%*
|
17.66%
|
12.90%
|
10.19%
|
Fixed Income
|
BlackRock Variable Series Funds II, Inc. - BlackRock High Yield V.I. Fund:
Class I
Investment Advisor: BlackRock Advisors, LLC
Subadvisor: BlackRock International Limited
|
0.56%*
|
13.21%
|
5.75%
|
4.46%
|
Fixed Income
|
BlackRock Variable Series Funds II, Inc. - BlackRock Total Return V.I.
Fund: Class I
Investment Advisor: BlackRock Advisors, LLC
Subadvisor: BlackRock International Limited and BlackRock (Singapore)
Limited
|
0.49%*
|
5.83%
|
1.35%
|
1.94%
|
Equity
|
Columbia Funds Variable Insurance Trust - Columbia Variable Portfolio -
Small Cap Value Fund: Class 1
Investment Advisor: Columbia Management Investment Advisors, LLC
|
0.86%*
|
21.94%
|
13.68%
|
8.67%
|
Fixed Income
|
Columbia Funds Variable Series Trust II - Columbia Variable Portfolio -
Limited Duration Credit Fund: Class 1
Investment Advisor: Columbia Management Investment Advisors, LLC
|
0.41%*
|
6.89%
|
2.62%
|
1.91%
|
Equity
|
Deutsche DWS Variable Series I - DWS Capital Growth VIP: Class A
Investment Advisor: DWS Investment Management Americas, Inc.
|
0.49%
|
38.57%
|
17.58%
|
13.58%
|
Allocation
|
Deutsche DWS Variable Series II - DWS Global Income Builder VIP: Class
A
Investment Advisor: DWS Investment Management Americas, Inc.
|
0.66%
|
14.89%
|
7.12%
|
5.19%
|
Fixed Income
|
DFA Investment Dimensions Group Inc. - VA Global Bond Portfolio
Investment Advisor: Dimensional Fund Advisors LP
Subadvisor: Dimensional Fund Advisors Ltd. And DFA Australia Limited
|
0.21%
|
5.05%
|
0.58%
|
1.29%
|
Equity
|
DFA Investment Dimensions Group Inc. - VA International Small Portfolio
Investment Advisor: Dimensional Fund Advisors LP
Subadvisor: Dimensional Fund Advisors Ltd. And DFA Australia Limited
|
0.40%
|
14.11%
|
7.86%
|
4.89%
|
Equity
|
DFA Investment Dimensions Group Inc. - VA International Value Portfolio
Investment Advisor: Dimensional Fund Advisors LP
Subadvisor: Dimensional Fund Advisors Ltd. And DFA Australia Limited
|
0.27%
|
17.86%
|
8.87%
|
4.16%
|
Type
|
Underlying Mutual Fund and Adviser/Sub-Adviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Fixed Income
|
DFA Investment Dimensions Group Inc. - VA Short-Term Fixed Portfolio
Investment Advisor: Dimensional Fund Advisors LP
Subadvisor: Dimensional Fund Advisors Ltd. And DFA Australia Limited
|
0.12%
|
4.98%
|
1.33%
|
1.05%
|
Equity
|
DFA Investment Dimensions Group Inc. - VA U.S. Large Value Portfolio
Investment Advisor: Dimensional Fund Advisors LP
|
0.21%
|
10.92%
|
10.71%
|
8.10%
|
Equity
|
DFA Investment Dimensions Group Inc. - VA U.S. Targeted Value
Portfolio
Investment Advisor: Dimensional Fund Advisors LP
|
0.29%
|
20.03%
|
15.40%
|
9.00%
|
Fixed Income
|
DFA Investment Dimensions Group Inc. - VIT Inflation-Protected
Securities Portfolio: Institutional Class
Investment Advisor: Dimensional Fund Advisors LP
Subadvisor: Dimensional Fund Advisors Ltd. And DFA Australia Limited
|
0.11%
|
4.02%
|
3.10%
|
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Contrafund® Portfolio:
Initial Class
Investment Advisor: Fidelity Management & Research Company LLC (FMR)
Subadvisor: FMR Investment Management (UK) Limited, Fidelity Management
& Research (Hong Kong) Limited and Fidelity Management & Research
(Japan) Limited
|
0.56%
|
33.45%
|
16.65%
|
11.61%
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Growth Portfolio: Initial
Class
Investment Advisor: Fidelity Management & Research Company LLC (FMR)
Subadvisor: FMR Investment Management (UK) Limited, Fidelity Management
& Research (Hong Kong) Limited and Fidelity Management & Research
(Japan) Limited
|
0.58%
|
36.24%
|
19.64%
|
14.80%
|
Fixed Income
|
Fidelity Variable Insurance Products Fund - VIP Investment Grade Bond
Portfolio: Initial Class
Investment Advisor: Fidelity Management & Research Company LLC (FMR)
Subadvisor: FMR Investment Management (UK) Limited, Fidelity Management
& Research (Hong Kong) Limited and Fidelity Management & Research
(Japan) Limited
|
0.38%
|
6.20%
|
1.97%
|
2.33%
|
Allocation
|
Invesco - Invesco V.I. Balanced-Risk Allocation Fund: Series I Shares
Investment Advisor: Invesco Advisers, Inc.
|
0.88%*
|
6.63%
|
4.90%
|
4.03%
|
Equity
|
Invesco - Invesco V.I. Main Street Small Cap Fund: Series I
Investment Advisor: Invesco Advisers, Inc.
|
0.88%
|
18.13%
|
13.07%
|
8.93%
|
Equity
|
Janus Aspen Series - Janus Henderson Enterprise Portfolio: Institutional
Shares
Investment Advisor: Janus Henderson Investors US LLC
|
0.72%
|
18.07%
|
13.42%
|
12.10%
|
Equity
|
Janus Aspen Series - Janus Henderson Global Technology and
Innovation Portfolio: Institutional Shares
Investment Advisor: Janus Henderson Investors US LLC
|
0.64%*
|
54.55%
|
20.34%
|
17.14%
|
Equity
|
Janus Aspen Series - Janus Henderson Overseas Portfolio: Institutional
Shares
Investment Advisor: Janus Henderson Investors US LLC
|
0.89%
|
10.87%
|
11.20%
|
3.63%
|
Equity
|
Legg Mason Partners Variable Equity Trust - ClearBridge Variable Small
Cap Growth Portfolio: Class I
Investment Advisor: Franklin Templeton Fund Advisor, LLC
Subadvisor: ClearBridge Investments, LLC
|
0.80%
|
8.40%
|
9.56%
|
7.89%
|
Fixed Income
|
Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class VC
Investment Advisor: Lord, Abbett & Co. LLC
|
0.71%
|
6.34%
|
1.21%
|
1.83%
|
Equity
|
MFS® Variable Insurance Trust - MFS Value Series: Initial Class
Investment Advisor: Massachusetts Financial Services Company
|
0.69%*
|
7.93%
|
11.34%
|
8.52%
|
Equity
|
MFS® Variable Insurance Trust II - MFS Research International Portfolio:
Service Class
Investment Advisor: Massachusetts Financial Services Company
|
1.14%*
|
12.83%
|
8.23%
|
3.89%
|
Type
|
Underlying Mutual Fund and Adviser/Sub-Adviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Fixed Income
|
MFS® Variable Insurance Trust III - MFS Limited Maturity Portfolio: Initial
Class
Investment Advisor: Massachusetts Financial Services Company
|
0.45%*
|
6.08%
|
2.25%
|
1.72%
|
Equity
|
MFS® Variable Insurance Trust III - MFS Mid Cap Value Portfolio: Initial
Class
Investment Advisor: Massachusetts Financial Services Company
|
0.79%*
|
12.73%
|
12.90%
|
8.73%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Aggressive
Fund: Class Y
Investment Advisor: Nationwide Fund Advisors
|
0.85%*
|
19.66%
|
11.28%
|
7.37%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Balanced Fund:
Class Y
Investment Advisor: Nationwide Fund Advisors
|
0.71%*
|
13.43%
|
6.80%
|
4.85%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Capital
Appreciation Fund: Class Y
Investment Advisor: Nationwide Fund Advisors
|
0.76%*
|
16.50%
|
9.01%
|
6.20%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Conservative
Fund: Class Y
Investment Advisor: Nationwide Fund Advisors
|
0.62%*
|
8.98%
|
3.64%
|
2.93%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderate Fund:
Class Y
Investment Advisor: Nationwide Fund Advisors
|
0.73%*
|
15.02%
|
8.04%
|
5.62%
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderately
Aggressive Fund: Class Y
Investment Advisor: Nationwide Fund Advisors
|
0.80%*
|
18.10%
|
10.26%
|
6.84%
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT Bond Index Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Subadvisor: BlackRock Investment Management, LLC
|
0.38%
|
5.19%
|
0.72%
|
1.45%
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT Government Money Market
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Subadvisor: Federated Investment Management Company
|
0.47%
|
4.75%
|
1.60%
|
0.98%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT International Index Fund:
Class I
Investment Advisor: Nationwide Fund Advisors
Subadvisor: BlackRock Investment Management, LLC
|
0.46%
|
17.58%
|
7.90%
|
4.02%
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT iShares® Fixed Income ETF
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Subadvisor: BlackRock Investment Management, LLC
|
0.72%*
|
5.22%
|
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT iShares® Global Equity ETF
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Subadvisor: BlackRock Investment Management, LLC
|
0.73%*
|
20.48%
|
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT J.P. Morgan U.S. Equity Fund:
Class II
Investment Advisor: Nationwide Fund Advisors
Subadvisor: J.P. Morgan Investment Management Inc.
|
0.94%*
|
26.73%
|
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap
Growth Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Subadvisor: Jacobs Levy Equity Management, Inc.
|
0.70%*
|
35.36%
|
23.08%
|
15.33%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Subadvisor: BlackRock Investment Management, LLC
|
0.41%
|
16.06%
|
12.16%
|
8.86%
|
Type
|
Underlying Mutual Fund and Adviser/Sub-Adviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2023)
|
||
1 year
|
5 year
|
10 year
|
|||
Equity
|
Nationwide Variable Insurance Trust - NVIT S&P 500® Index Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Subadvisor: BlackRock Investment Management, LLC
|
0.25%*
|
25.96%
|
15.41%
|
11.76%
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Small Cap Index Fund: Class
II
Investment Advisor: Nationwide Fund Advisors
Subadvisor: BlackRock Investment Management, LLC
|
0.60%*
|
16.35%
|
9.45%
|
6.69%
|
Allocation
|
Northern Lights Variable Trust - TOPS® Aggressive Growth ETF Portfolio:
Class 2
Investment Advisor: ValMark Advisers, Inc.
Subadvisor: Milliman Financial Risk Management, LLC
|
0.54%
|
17.37%
|
10.55%
|
7.42%
|
Allocation
|
Northern Lights Variable Trust - TOPS® Balanced ETF Portfolio: Class 2
Investment Advisor: ValMark Advisers, Inc.
Subadvisor: Milliman Financial Risk Management, LLC
|
0.55%
|
11.39%
|
6.39%
|
4.51%
|
Allocation
|
Northern Lights Variable Trust - TOPS® Conservative ETF Portfolio:
Class 2
Investment Advisor: ValMark Advisers, Inc.
Subadvisor: Milliman Financial Risk Management, LLC
|
0.56%
|
9.19%
|
4.84%
|
3.37%
|
Allocation
|
Northern Lights Variable Trust - TOPS® Growth ETF Portfolio: Class 2
Investment Advisor: ValMark Advisers, Inc.
Subadvisor: Milliman Financial Risk Management, LLC
|
0.54%
|
16.09%
|
9.48%
|
6.54%
|
Allocation
|
Northern Lights Variable Trust - TOPS® Moderate Growth ETF Portfolio:
Class 2
Investment Advisor: ValMark Advisers, Inc.
Subadvisor: Milliman Financial Risk Management, LLC
|
0.54%
|
13.47%
|
7.96%
|
5.58%
|
Equity
|
T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences
Portfolio
Investment Advisor: T. Rowe Price Associates, Inc.
|
0.86%
|
2.96%
|
11.24%
|
11.30%
|
State
|
State Law Variations
|
Colorado
|
● Suicide provisions are limited to one year.
|
Delaware
|
● Extends spousal rights to a party to a civil union.
|
Florida
|
● Right to Examine and Cancel - 15 day right to examine and cancel. Refund will be the
sum of: (a) the difference between the Premiums paid including any Policy fees or other
charges and the amount allocated to any Variable Accounts under this Policy, and (b) the
value of the amounts allocated to any Variable Account under this Policy, on the date the
returned Policy is received by Nationwide.
● Asset Rebalancing - Nationwide may not limit the number of Sub-Accounts and
frequencies available for election.
● There are no contractual restrictions on assignments.
|
Illinois
|
● Extends spousal rights to a party to a civil union.
|
Minnesota
|
● Suicide provisions are limited to one year.
|
Missouri
|
● Suicide provisions are limited to one year.
|
North Dakota
|
● Suicide provisions are limited to one year.
|
South Carolina
|
● The Suicide provision does not restart upon reinstatement.
|
Vermont
|
● Extends spousal rights to a party to a civil union.
|
|
Page
|
General Information and History
|
2
|
Nationwide VL Separate Account-G
|
2
|
Nationwide Investment Services Corporation (NISC)
|
2
|
Services
|
2
|
Financial Statements
|
3
|
Underwriting Procedure
|
3
|
Policy Restoration Procedure
|
4
|
Illustrations
|
4
|
|
|
President and Chief Operating Officer and Director
|
Carter, John L.
|
Executive Vice President-Chief Human Resources Officer
|
Clements, Vinita J.
|
Executive Vice President-Nationwide Chief Technology Officer
|
Fowler, James R.
|
Executive Vice President and Director
|
Frommeyer, Timothy G.
|
Executive Vice President-Chief Legal Officer
|
Howard, Mark S.
|
Executive Vice President-Chief Marketing Officer
|
Jones, Ramon
|
Executive Vice President-Chief Customer, Strategy and Innovation Officer
|
Mahaffey, Michael W.
|
Executive Vice President-Chief Transformation Officer
|
Shore, Amy T.
|
Senior Vice President-NF Strategic Customer Solutions
|
Ambrozy, Tina S.
|
Senior Vice President-Strategic Planning
|
Amodeo, Daniel W.
|
Senior Vice President-Marketing Management - Financial Services
|
Bair, Ann S.
|
Senior Vice President-Corporate Controller and Chief Accounting Officer
|
Benson, James D.
|
Senior Vice President-Marketing Content & Delivery
|
Boyd, Michael A.
|
Senior Vice President-Human Resources - IT & Legal
|
Bretz, Angela D.
|
Senior Vice President-Internal Audit
|
Burchwell, Jason E.
|
Senior Vice President-Nationwide Pet
|
Carnes, Joel R.M.
|
Senior Vice President-Chief Technology Officer - Nationwide Financial
|
Carrel, Michael W.
|
Senior Vice President-Chief Investment Officer
|
Coleman, Joel L.
|
Senior Vice President-Chief Compliance Officer
|
Dankovic, Rae Ann
|
Senior Vice President-Chief Risk Officer
|
Diem, Klaus K.
|
Senior Vice President-External Affairs
|
English, Steven M.
|
Senior Vice President-Trial Division
|
Failor, Scott E.
|
Senior Vice President-Chief Financial Officer - Nationwide Financial and Director
|
Ginnan, Steven A.
|
Senior Vice President-Annuity Distribution
|
Guymon, Rona
|
Senior Vice President-Nationwide Annuity and Director
|
Hawley, Craig A.
|
Senior Vice President-Legal - NF
|
Innis-Thompson, Janice
|
Senior Vice President-Investment Management Group
|
Jestice, Kevin T.
|
Senior Vice President-Internal Audit, Emeritus
|
Jordan, Gregory S.
|
Senior Vice President-Chief Innovation and Digital Officer
|
Kandhari, Chetan D.
|
Senior Vice President-Chief Technology Officer - Technology Strategy, Data &
Innovation
|
Kolp, Melanie A.
|
Senior Vice President and Treasurer
|
LaPaul, David
|
Senior Vice President-Chief Information Security Officer
|
Lukens, Todd
|
Senior Vice President-Marketing Management - P&C
|
MacKenzie, Jennifer B.
|
Senior Vice President-Technology CFO & Procurement
|
O'Brien, Kevin G.
|
Senior Vice President-Corporate Solutions
|
Perez, Juan J.
|
Senior Vice President-Talent & Organization Effectiveness
|
Pheister, Erin R.
|
Senior Vice President-Nationwide Retirement Institute
|
Rodriguez, Kristi L.
|
Senior Vice President-Finance & Strategy Legal and Corporate Secretary
|
Skingle, Denise L.
|
Senior Vice President-Nationwide Life and Director
|
Snyder, Holly R.
|
Senior Vice President-Total Rewards
|
Sonneman, Christopher P.
|
Senior Vice President-Retirement Solutions
|
Stevenson, Eric
|
Senior Vice President-Chief Advanced Analytics Officer
|
Terry, Shannon
|
Senior Vice President-Chief Technology Officer - Property & Casualty
|
Vasudeva, Guruprasad C.
|
Senior Vice President-Human Resources - NF
|
Webster, Cynthia S.
|
Director
|
Walker, Kirt A.
|
Company
|
Jurisdiction
of Domicile
|
Brief Description of Business
|
Nationwide Financial Services, Inc.
|
Delaware
|
The company acts primarily as a holding company for
companies within the Nationwide organization that offer or
distribute life insurance, long-term savings and retirement
products.
|
NFS Distributors, Inc.
|
Delaware
|
The company acts primarily as a holding company for
Nationwide Financial Services, Inc. companies.
|
Nationwide Financial General Agency, Inc.
|
Pennsylvania
|
The company is a multi-state licensed insurance agency.
|
Nationwide Fund Distributors, LLC
|
Delaware
|
The company is a limited purpose broker-dealer.
|
Nationwide Fund Management, LLC
|
Delaware
|
The company provides administration, transfer and
dividend disbursing agent services to various mutual fund
entities.
|
Nationwide Retirement Solutions, Inc.
|
Delaware
|
The company markets and administers deferred
compensation plans for public employees.
|
Nationwide Securities, LLC
|
Delaware
|
The company is a general purpose broker-dealer and
investment adviser registered with the Securities and
Exchange Commission.
|
Nationwide Trust Company, FSB
|
Federal
|
This is a federal savings bank chartered by the Office of
Thrift Supervision in the United States Department of
Treasury to exercise deposit, lending, agency, custody
and fiduciary powers and to engage in activities
permissible for federal savings banks under the Home
Owners' Loan Act of 1933.
|
Company
|
Jurisdiction
of Domicile
|
Brief Description of Business
|
Nationwide Financial Services Capital Trust
|
Delaware
|
The trust's sole purpose is to issue and sell certain
securities representing individual beneficial interests in the
assets of the trust
|
525 Cleveland Avenue, LLC
|
Ohio
|
This is a limited liability company organized under the
laws of the State of Ohio. The company was formed to
provide remedial real property cleanup prior to sale.
|
Nationwide Life Insurance Company 2
|
Ohio
|
The corporation provides individual life insurance, group
and health insurance, fixed and variable annuity products
and other life insurance products.
|
Jefferson National Life Insurance Company2,3
|
Texas
|
The company provides life, health and annuity products.
|
Jefferson National Life Annuity Company C2,3
|
|
A separate account issuing variable annuity products.
|
Jefferson National Life Annuity Account E2,3
|
|
A separate account issuing variable annuity products.
|
Jefferson National Life Annuity Account F2,3
|
|
A separate account issuing variable annuity products.
|
Jefferson National Life Annuity Account G2,3
|
|
A separate account issuing variable annuity products.
|
Jefferson National Life Insurance Company of
New York2,3
|
New York
|
The company provides variable annuity products.
|
Jefferson National Life of New York Annuity
Account 12,3
|
|
A separate account issuing variable annuity products.
|
MFS Variable Account2,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Multi-Flex Variable Account2,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account2,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-II2,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-32,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-42,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-52,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-62,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-72,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-82,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-92,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-102,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-112,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-122,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-132,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-142,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Variable Account-152,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Provident VA Separate Account 12,3
|
Pennsylvania
|
A separate account issuing variable annuity contracts.
|
Nationwide VLI Separate Account2,3
|
Ohio
|
A separate account issuing variable life insurance
policies.
|
Nationwide VLI Separate Account-22,3
|
Ohio
|
A separate account issuing variable life insurance
policies.
|
Nationwide VLI Separate Account-32,3
|
Ohio
|
A separate account issuing variable life insurance
policies.
|
Nationwide VLI Separate Account-42,3
|
Ohio
|
A separate account issuing variable life insurance
policies.
|
Nationwide VLI Separate Account-52,3
|
Ohio
|
A separate account issuing variable life insurance
policies.
|
Nationwide VLI Separate Account-62,3
|
Ohio
|
A separate account issuing variable life insurance
policies.
|
Nationwide VLI Separate Account-72,3
|
Ohio
|
A separate account issuing variable life insurance
policies.
|
Nationwide Provident VLI Separate Account 12,3
|
Pennsylvania
|
A separate account issuing variable life insurance
policies.
|
Nationwide Investment Services Corporation3
|
Oklahoma
|
This is a limited purpose broker-dealer and distributor of
variable annuities and variable life products for
Nationwide Life Insurance Company and Nationwide Life
and Annuity Insurance Company. The company also
provides educational services to retirement plan sponsors
and its participants.
|
Company
|
Jurisdiction
of Domicile
|
Brief Description of Business
|
Nationwide Financial Assignment Company3
|
Ohio
|
The company is an administrator of structured
settlements.
|
Nationwide Investment Advisors, LLC3
|
Ohio
|
The company provides investment advisory services.
|
Eagle Captive Reinsurance, LLC3
|
Ohio
|
The company is engaged in the business of insurance
|
Nationwide Life and Annuity Insurance
Company2,3
|
Ohio
|
The company engages in underwriting life insurance and
granting, purchasing and disposing of annuities.
|
Nationwide VA Separate Account-A2,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide VA Separate Account-B2,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide VA Separate Account-C2,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide VA Separate Account-D2,3
|
Ohio
|
A separate account issuing variable annuity contracts.
|
Nationwide Provident VA Separate Account
A2,3
|
Delaware
|
A separate account issuing variable annuity contracts.
|
Nationwide VL Separate Account-C2,3
|
Ohio
|
A separate account issuing variable life insurance
policies.
|
Nationwide VL Separate Account-D2,3
|
Ohio
|
A separate account issuing variable life insurance
policies.
|
Nationwide VL Separate Account-G2,3
|
Ohio
|
A separate account issuing variable life insurance
policies.
|
Nationwide Provident VLI Separate Account
A2,3
|
Delaware
|
A separate account issuing variable life insurance
policies.
|
Olentangy Reinsurance, LLC3
|
Vermont
|
The company is a captive life reinsurance company.
|
Nationwide SBL, LLC
|
Ohio
|
The company is a lender offering securities-back lines of
credit.
|
Registered Investment Advisors Services, Inc.
|
Texas
|
The company is a technology company that facilitates
third-party money management services for registered
investment advisors
|
Nationwide Fund Advisors4
|
Delaware
|
The trust acts as a registered investment advisor.
|
Jefferson National Life Annuity Account C
|
Nationwide Variable Account-14
|
Jefferson National Life Annuity Account E
|
Nationwide Variable Account-15
|
Jefferson National Life Annuity Account F
|
Nationwide VA Separate Account-A
|
Jefferson National Life Annuity Account G
|
Nationwide VA Separate Account-B
|
Jefferson National Life of New York Annuity Account 1
|
Nationwide VA Separate Account-C
|
MFS Variable Account
|
Nationwide VA Separate Account-D
|
Multi-Flex Variable Account
|
Nationwide VLI Separate Account
|
Nationwide Variable Account
|
Nationwide VLI Separate Account-2
|
Nationwide Variable Account-II
|
Nationwide VLI Separate Account-3
|
Nationwide Variable Account-3
|
Nationwide VLI Separate Account-4
|
Nationwide Variable Account-4
|
Nationwide VLI Separate Account-5
|
Nationwide Variable Account-5
|
Nationwide VLI Separate Account-6
|
Nationwide Variable Account-6
|
Nationwide VLI Separate Account-7
|
Nationwide Variable Account-7
|
Nationwide VL Separate Account-C
|
Nationwide Variable Account-8
|
Nationwide VL Separate Account-D
|
Nationwide Variable Account-9
|
Nationwide VL Separate Account-G
|
Nationwide Variable Account-10
|
Nationwide Provident VA Separate Account 1
|
Nationwide Variable Account-11
|
Nationwide Provident VA Separate Account A
|
Nationwide Variable Account-12
|
Nationwide Provident VLI Separate Account 1
|
Nationwide Variable Account-13
|
Nationwide Provident VLI Separate Account A
|
President and Director
|
Ambrozy, Tina S.
|
Senior Vice President and Secretary
|
Skingle, Denise L.
|
Vice President-Tax
|
Eppley, Daniel P.
|
Vice President and Assistant Secretary
|
Garman, David A.
|
Vice President-Chief Compliance Officer
|
Rabenstine, James J.
|
Vice President-CFO - Life Insurance
|
Wild, Keith D.
|
Associate Vice President-NF Compliance - Strategic Customer Solutions
|
Deleget, J. Brian
|
Associate Vice President and Treasurer
|
Roswell, Ewan T.
|
Associate Vice President and Assistant Treasurer
|
Hacker, Hope C.
|
Associate Vice President and Assistant Treasurer
|
Radabaugh, Nathan
|
Associate Vice President and Assistant Treasurer
|
Walker, Tonya G.
|
Assistant Secretary
|
Bowman, Heidi K.
|
Assistant Secretary
|
Dokko, David H.
|
Assistant Secretary
|
Hartman, Mark E.
|
Director
|
Hawley, Craig A.
|
Director
|
Stevenson, Eric
|
Name of Principal Underwriter
|
Net Underwriting
Discounts
|
Compensation on
Redemption
|
Brokerage
Commissions
|
Other
Compensation
|
Nationwide Investment Services Corporation
|
N/A
|
N/A
|
N/A
|
N/A
|
Nationwide VL Separate Account-G
|
(Registrant)
|
By: /s/ John L. Carter*
|
John L. Carter
President and Chief Operating Officer
|
Nationwide Life and Annuity Insurance Company
|
(Depositor)
|
By: /s/ John L. Carter*
|
John L. Carter
President and Chief Operating Officer
|
/s/ JOHN L. CARTER*
|
|
John L. Carter, President and Chief Operating Officer
and Director (Principal Executive Officer)
|
|
/s/ HOLLY R. SNYDER*
|
|
Holly R. Snyder, Senior Vice President and Director
|
|
/s/ TIMOTHY G. FROMMEYER*
|
|
Timothy G. Frommeyer, Executive Vice President and
Director
|
|
/s/ CRAIG A. HAWLEY*
|
|
Craig A. Hawley, Senior Vice President-Nationwide
Annuity and Director
|
|
/s/ STEVEN A. GINNAN*
|
|
Steven A. Ginnan, Senior Vice President-Chief Financial
Officer-Nationwide Financial and Director
(Chief Financial Officer)
|
|
/s/ KIRT A. WALKER*
|
|
Director
|
|
/s/ JAMES D. BENSON*
|
|
James D. Benson, Senior Vice President-Corporate
Controller and Chief Accounting Officer
(Principal Accounting Officer)
|
|
|
*By: /s/ Stephen M. Jackson
|
|
Stephen M. Jackson
Attorney-in-Fact
Pursuant to Power of Attorney
|