Two people, one policy. Affordable long-term care coverage for both.

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1 Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE AND ANNUIY INSURANCE COMPANY

2 LC Rider Available o Natiowide YourLife No-Lapse Guaratee SUL II Log-term care beefits each isured ca cout o Natiowide has a way to add a log-term care (LC) rider for up to two people oto oe life isurace policy. It s a affordable ad flexible way to help esure you have fuds to pay for LC expeses while addressig legacy ad estate plaig eeds. he Natiowide log-term care rider, offered at a additioal cost, is ot available i all states. he ame of the rider may ot actually be log-term care rider i certai states. Protectios ad guaratees are subject to the claims-payig ability of Natiowide Life ad Auity Isurace Compay. A log-term care rider has exclusios, limitatios, reductios of beefits ad terms uder which the rider may be cotiued i force or discotiued. For more details o cost ad coverage optios, cotact your fiacial advisor.

3 LC Rider Available o Natiowide YourLife No-Lapse Guaratee SUL II Add a log-term care rider for up to two people o oe policy If you eed life isurace ad wat a pla for dealig with log-term care (LC) costs, addig a LC rider to your Natiowide life isurace policy may be a good solutio for you. I fact, the LC rider, available o Natiowide YourLife No-Lapse Guaratee SUL II, helps you cover LC costs for oe or both isureds with oe life isurace policy. It s a flexible solutio for may life scearios: ADUL CHILD AND PAREN Help cover LC expeses for a paret ad a adult child. SPOUSES Help cover LC expeses ad preserve a legacy for your childre. DOMESIC PARNERS Help cover LC expeses ad protect your assets. Watch a video that describes the beefits of the LC rider for your specific life sceario. Visit atiowide.com/lc4two FAC: 75% he majority of cosumers say they thik they will live log eough to eed LC isurace. Natiowide Health Care Costs i Retiremet Survey, 0.

4 LC Rider Available o Natiowide YourLife No-Lapse Guaratee SUL II Your LC Rider GEING SARED Determie the amout of life isurace you eed CASH INDEMNIY BENEFI LC rider beefits are paid directly to the policyower oce the isured has qualified for the claim. No mothly receipts or paperwork is required it is what we call our cash idemity beefit. Oce you meet the requiremets ad elimiatio period, the rider beefits will help cover the costs of LC care, such as: Determie the amout of LC coverage for each isured. Each isured ca select betwee 0% ad 50% of the policy s total specified amout USING HE BENEFIS Home health care Iformal care Nursig home care No mothly receipts or paperwork is eeded he log-term care beefits are paid directly to the policyower after qualifyig requiremets are met INSURANCE POLICY + LC Each isured has access to his or her ow pool of log-term care beefits LEAVING A LEGACY Ay qualifyig LC service Assisted livig If o LC beefits are used, the etire death beefit will be paid Adult day care to the beeficiary upo the death of the secod isured If LC beefits have bee used, ay remaiig death beefit will be paid to the beeficiaries upo the death of the secod isured Please remember each isured plaig to elect the rider coverage must be i good health because he or she will be fully uderwritte for the life isurace policy ad the LC rider. his rider does ot cover ay expese that results from: Suicide, itetioally self-iflicted ijuries, or attempts at suicide (either while sae or isae) Committig or attemptig to commit a feloy Alcoholism or drug addictio, uless addictio results from admiistratio of drugs for treatmet prescribed by a physicia War or ay act of war, whether declared or udeclared Bills ad mothly receipts may be requested to validate a claim. If both isureds use all of their LC beefits, a guarateed miimum death beefit will be paid to their beeficiaries. 4 5

5 LC Rider Available o Natiowide YourLife No-Lapse Guaratee SUL II How you qualify for beefits hree thigs have to happe i order for mothly LC beefits to begi for each isured: Your licesed healthcare practitioer must certify that (a) you have a severe cogitive impairmet, OR (b) you are uable to perform two or more of the followig activities of daily livig for a period of 90-caledar-days: Bathig atig B Eathig oiletig otiece E Catig D ressig C oiletig otiece rasferrig (movig ito or out Dressig rasferrig (movig ito or out of a bed, chair or wheelchair) of a bed, chair, or wheelchair) Before beefits begi, the isured must complete a 90-caledar-day elimiatio period. Each isured must meet his or her ow elimiatio period, ad oce met, it is met for life. Upo filig a claim, you must submit a plaed program of observatio ad treatmet. Your pla of care will be recertified aually by a licesed healthcare practitioer. Your family members may provide care, ad this is ot limited to your FAC: immediate family members. 6 4 About 70% of adults over age 65 will eed some type of log-term care.4 Navigo (Jue 0, 0), Log-erm Care Isurace Statistics. 7

6 LC Rider Available o Natiowide YourLife No-Lapse Guaratee SUL II HOW HE MONHLY MAXIMUM BENEFI IS CALCULAED Each isured has a separate pool of LC beefits; here s how that amout is calculated for each pool. he beefit amout will be the LESSER of: % of the log-term care specified amout for each isured or x the HIPAA per diem amout x 0 days he maximum tax-free beefit for LC is the greater of actual costs icurred or the per diem rate established by the Health Isurace Portability ad Accoutability Act (HIPAA), which is curretly $0 per day (05).* HOW LONG WILL BENEFIS BE PAID? As log as the isured remais eligible, you ll cotiue to receive mothly LC beefits util the total amout paid is the LESSER of: he LC coverage desigated whe the policy was established, or he LC coverage desigated less ay outstadig withdrawals, loas ad loa iterest NAIONAL AVERAGE ANNUAL COSS FOR LONG-ERM CARE5 N ursig Home (private room) $9,50 N ursig Home (semi-private room) $80,00 Licesed Home Health Aide Services $4,680 A ssisted Family Livig Facility $4,00 A dult Day Care $7,940?? If you have questios about addig a LC rider to a Natiowide YourLife No-Lapse Guaratee SUL II policy talk to your isurace professioal today. * Natiowide caot guaratee that LC beefit paymets will be treated as tax-free give the taxpayer s specific circumstaces, especially whe beefits are used to pay for care provided by family members or collected from more tha oe policy. Federal tax laws are complex ad subject to chage. Neither the compay or its represetatives give legal or tax advice. Costs vary by regio ad provider used for care. 8 5 Geworth 05 Cost of Care Survey, April, 05 9

7 he isurace professioal or compay may cotact you i respose to your request for additioal iformatio. he iformatio cotaied herei was prepared to support the promotio, marketig, ad/or sale of life isurace cotracts, auity cotracts ad/or other products ad services provided by Natiowide Life ad Auity Isurace Compay. Your coverage uder the LC rider is guarateed reewable. his meas Natiowide will ot uilaterally cacel or reduce coverage uder this Rider. Uless you request termiatio of this Rider, it will remai i force as log as the Policy remais i force. Your mothly LC rider charge rate caot icrease beyod the maximums stated i your policy. However, Natiowide has the right to icrease your curret mothly LC Rider charge rates, up to the Guarateed Maximum Mothly LC Rider Charge Rate. Ay chage i the curret mothly LC rider charge rate will be o a uiform basis for Isured s of the same sex, Issue Age, product, rate type ad rate class whose Policies have bee i force for the same duratio. All guaratees ad beefits of the isurace policy are subject to the claims-payig ability of the issuig isurace compay. Policy guaratees ad beefits are ot backed by the broker/dealer ad/or isurace agecy sellig the policy, or by ay of their affiliates, ad oe of them makes ay represetatios or guaratees regardig the claims-payig ability of the issuig isurace compay. Approval for coverage uder the policy ad LC riders is subject to uderwritig ad may require a medical exam. As your persoal situatios chage (i.e., marriage, birth of a child or job promotio), so will your life isurace eeds. Care should be take to esure this product is suitable for your log-term life isurace eeds. You should weigh ay associated costs before makig a purchase. Life isurace has fees ad charges associated with it that iclude cost of isurace based o your sex, health ad age, ad has additioal charges for riders that customize a policy to fit your idividual eeds. All guaratees ad beefits of the isurace policy are subject to the claimspayig ability of the issuig isurace compay. Policy guaratees ad beefits are ot backed by the broker/dealer ad/or isurace agecy sellig the policy, or by ay of their affiliates ad oe of them makes ay represetatio or guaratees regardig the claims-payig ability of the issuig isurace compay. Keep i mid that as a acceleratio of the death beefit, the log-term care rider payout will reduce both the death beefit ad cash surreder values. Care should be take to make sure that your life isurace eeds cotiue to be met eve if the etire death beefit is accelerated by the log-term care rider payout. here is o guaratee that the rider will cover the etire cost for all of the isured s log-term care as these vary with the eeds of each isured. he log-term care rider has a additioal charge associated with it. A life isurace purchase should be based o the life policy, ad ot optioal riders or features. he cost of a rider may exceed the actual beefit paid uder the rider. Life Isurace is uderwritte by Natiowide Life Isurace Compay or Natiowide Life ad Auity Isurace Compay, Columbus, Ohio. Natiowide, the Natiowide N ad Eagle, Natiowide is o your side ad Natiowide YourLife are service marks of Natiowide Mutual Isurace Compay 05 Natiowide (0/5)

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