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1 Nationwide YourLife No-Lapse Guarantee Survivorship Universal Life II Product guide Permanent protection designed for two. Planning for a more confident future. NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY

2 Before we get started Be sure to choose a life insurance policy that meets your long-term life insurance needs. If your personal situation changes for example, you get married, have a child or get a job promotion make sure the policy continues to meet your needs. You should also weigh the costs of the policy before making a purchase. Life insurance has fees and charges that vary with your sex, health, age and smoking status. Riders that customize a policy to fit your individual needs usually carry an additional charge. And since neither Nationwide and nor its representatives give legal or tax advice, you should consult with your legal and tax advisors for answers to your specific questions. A long-term care rider has exclusions, limitations, reductions of benefits and terms under which the rider may be continued in force or discontinued. For more details on cost and coverage options, contact your financial advisor. Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured by any federal government agency May lose value

3 Working together to protect what matters most We work hard every day to protect the people and things we care about. And whether your vision of protection involves legacy and estate planning or minimizing the financial impact that long-term care (LTC) can have on your family, Nationwide YourLife No-Lapse Guarantee Survivorship Universal Life (SUL) II can help. It's designed to offer lifetime protection on two people, and provide an efficient and affordable way to meet a variety future planning needs. What s inside? What is Nationwide YourLife No-Lapse Guarantee SUL II? 4 Who could benefit from it? 7 What can you use it for? 8 Policy details 10 Why Nationwide? 12 What happens next? 15 ICC4-FLM-0699AO.4

4 What is Nationwide YourLife No-Lapse Guarantee SUL II? Nationwide YourLife No-Lapse Guarantee SUL II is a survivorship universal life policy that offers permanent life insurance protection on two people. The policy s beneficiary receives an income tax-free death benefit when the last insured passes away. It comes with a lifetime guarantee, so you can be sure the coverage will be there when it s needed. And there are optional riders and features available to help you customize the policy to fit your unique planning needs. Keep in mind that guarantees are subject to the claims-paying ability of the issuing insurance company. 4

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7 Who could benefit from it? The features of Nationwide YourLife No-Lapse Guarantee SUL II make it a good fit for people with a variety of planning objectives, such as: Legacy and estate planning An SUL II policy can be an effective way to create or protect assets that will pass to the next generation. Getting coverage for someone with a health concern SUL II offers a way to purchase life insurance coverage if one of the two insureds has health concerns that may not allow him or her to be covered by an individual life insurance policy. A more affordable way to insure two people Since the risk is spread over two lives, the premiums are lower on one SUL II policy than they would be on two individual life insurance policies. Planning for long-term care expenses SUL II provides an affordable way to cover the long-term care expenses of a parent and adult child, spouses or domestic partners with the addition of a LTC rider. This rider will allow you to accelerate your own specified death benefit for qualifying LTC needs. A simple way to keep control With an SUL II policy, you have owner-directed settlement options, which let you determine how and when your beneficiaries have access to the policy s death benefit. For some situations, it may be a simpler option than setting up a trust, and it allows you to choose the option that best fits your beneficiaries money-handling abilities. Keep in mind that there are many other reasons for using a trust that wouldn t necessarily be accomplished using owner-directed settlement options. You should consult with your legal or tax advisors regarding your specific situation. 7

8 What can you use it for? 1. Legacy and estate planning NEED Help create a legacy for future generations or provide funding for estate taxes Help provide funds to both a charity and loved ones SOLUTION A trust that includes a SUL II policy can provide a trustee directed legacy or income stream to loved ones, or provide the funds needed for beneficiaries to pay estate taxes. A charity may be named as the beneficiary of an SUL II policy, or the policy may be used to replace the value of the property given to charity, so there is no reduction in the amount of money ultimately left to a couple s family. Help divide assets fairly with blended families Help plan for continuation of a family business Purchasing an SUL II policy and naming each set of children for an appropriate percentage of death benefit on the policy will help couples plan a fair inheritance for all children. Not all children may want to participate in the family business upon their parent's death. An SUL II policy can help provide funds needed for the adult child carrying on the family business to buy out their sibling's shares. 8

9 2. Family and long-term care planning NEED Help provide for an aging parent s LTC expenses without depleting an adult child s assets 1 Help protect a couple s income assets and legacy from LTC costs Help protect assets and income for domestic couples Help protect a family member with special needs SOLUTION An SUL II policy can be purchased to help cover the lives of a parent and their adult child. By adding the LTC rider to the policy, they have a way to cover LTC expenses for both, while protecting the adult child s retirement or other savings. An SUL II policy with the LTC rider provides up to half of the total benefit to each person for covering LTC expenses. And if LTC is never needed, or only needed by one person, any remaining death benefit in the policy will enhance the legacy the couple passes on. An SUL II policy with the LTC rider is an efficient way for domestic couples to help preserve assets and income needed to protect their future. Again, if LTC is never needed, or only needed by one partner, then the remaining death benefit can help provide a legacy to loved ones or a favorite charity. Having an SUL II policy owned by a Special Needs Trust allows couples, with the guidance of their attorney, to outline exactly how funds will be used ensuring that their family member will be properly cared for after they re gone. 1 It s important to remember for this scenario that both insureds must be fairly healthy, since both will be fully underwritten for the policy and rider. Also, the parent must be under the age of 80 (the maximum age for the rider) and one of the insureds must have sufficient resources to pay for the cost of the policy premiums with the rider. Lastly, since this is a survivorship product, keep in mind that the death benefit will not be paid to the beneficiaries until the time of the second insured s death. 9

10 Policy details QUESTIONS What is the lowest amount of coverage we can purchase? How long will our coverage last? What does SUL II cost? ANSWERS The minimum amount is $250,000. If the premiums are paid as illustrated, the coverage can last until the younger insured person is age 120. When you sit down with your insurance professional, he or she will show you a personalized illustration of what you will be required to pay depending on your needs and the coverage you elect. This amount is called the premium. It covers policy charges for such things as: Cost of insurance protection Administrative charges and sales expenses Taxes Cost of riders or additional benefits Other fees Are there any features to help protect the policy s no-lapse guarantee? With a no-lapse guarantee, it s important to pay scheduled premiums on time. Since no one s perfect and late or missed payments can happen, we created the Automated Premium Monitor (APM) to help protect your policy s no-lapse guarantee. It s a three-tiered safety net that: Helps prevent the intended guarantee from going off track Allows payments to be received up to 30 days after the due date (depending on the number of days in the month) and still maintain the guarantee 2 Lets you and your insurance professional know, through your annual statement, how your guarantee is doing and if any corrective action is needed 10 2 Paying premium early or late could impact the Death Benefit Guarantee Value, which could cause you to lose your guaranteed death benefit sooner than anticipated. The Death Benefit Guarantee Value used to determine your guaranteed death benefit depends on the frequency, timing and amount of cash flow into and out of the contract (including but not limited to premiums, partial surrenders and loans).

11 QUESTIONS Are there any features available to help customize our policy? ANSWERS The Select Estate Protection rider is automatically added to your policy at no additional cost if you and the second insured person meet age, health and specified amount criteria. It provides an additional death benefit to your beneficiary for the first four years of the policy and can be used to help pay some or all estate taxes that may be due when the second insured person passes away. The Estate Protection rider is available for an additional cost and provides the same benefits as the Select Estate Protection rider (above) for people who don t meet the age, health and specified amount criteria. The Policy Split Option rider splits your policy into two individual policies, if desired for your benefit, in the event of a divorce or tax law changes specified in the contract. 3 The Long-term Care rider allows the death benefit to be accelerated to pay for LTC needs, offering each insured person a cash indemnity benefit worth between 10% 50% of the total policy specified amount. It can help pay for expenses related to long-term care so they don t deplete your assets. Riders usually have an additional cost and may not be available in all states. Please keep in mind the LTC benefits paid will reduce the death benefit dollar for dollar. 3 Policy Split Option rider not available in conjunction with the LTC rider. 11

12 Why Nationwide? Nationwide was founded by a group of forward thinkers who joined forces to protect what matters most. That sense of working together for the common good has never left us. Today we re a Fortune 100 company, with a diversified corporate portfolio that allows us to navigate all manner of economic ups and downs. In fact, our prudent investment approach and long-term business vision earn us financial ratings that place us in the top 19% of insurance-based financial services companies for our risk management capabilities. 4 as of 6/2015 TOP 19 % insurance-based financial services companies for risk management of diversified CORPORATE PORTFOLIO financial services A.M. Best received 10/17/2002 affirmed 3/19/2015 Moody s received 3/10/2009 affirmed 9/12/2013 Standard & Poor s received 12/22/2008 affirmed 5/1/2015 personal property and casualty commercial property and casualty These ratings and rankings reflect rating agency assessment of the financial strength and claims-paying ability of Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company. They are not intended to reflect the investment experience or financial strength of any variable account, which is subject to market risk. Because the dates are only updated when there s a change in the rating, the dates above reflect the most recent ratings we have received. They are subject to change at any time. THE BOTTOM LINE: Our consistently strong performance means we ll be with you for as long as you need us Focus on ORSA leaves ERM scores for North American and Bermudian insurers virtually unchanged, RatingsDirect Report, Standard & Poor's (5/19/14).

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15 What happens next? If you ve made the decision that Nationwide YourLife No-Lapse Guarantee SUL II is right for you, the underwriting process begins. This simply means we begin the paperwork on the policy. Your insurance professional will have some forms for you to sign and may need to ask you a few medical questions. Depending on the amount of insurance applied for, a medical professional may contact you to schedule a quick checkup, including height, weight and other basic medical information. The checkup is often done in your own home. After the application is approved and premium received, you will receive the policy. You might want to file this with your other important documents and notify your beneficiaries. Then, by paying your premiums, you can be confident you ve helped protect what matters most in life. 15

16 * The insurance professional or company may contact you in response to your request for additional information. * The information contained herein was prepared to support the promotion, marketing, and/or sale of life insurance contracts, annuity contracts and/or other products and services provided by Nationwide Life and Annuity Insurance Company. Your coverage under the LTC rider is guaranteed renewable. This means Nationwide will not unilaterally cancel or reduce coverage under this Rider. Unless you request termination of this Rider, it will remain in force as long as the Policy remains in force. Your monthly LTC rider charge rate cannot increase beyond the maximums stated in your policy. However, Nationwide has the right to increase your current monthly LTC Rider charge rates, up to the Guaranteed Maximum Monthly LTC Rider Charge Rate. Any change in the current monthly LTC rider charge rate will be on a uniform basis for Insured s of the same sex, Issue Age, product, rate type and rate class whose Policies have been in force for the same duration. Paying premium early or late could impact the Death Benefit Guarantee Value, which could cause you to lose your guaranteed death benefit sooner than anticipated. The Death Benefit Guarantee Value used to determine your guaranteed death benefit depends on the frequency, timing and amount of cash flow into and out of the contract (including but not limited to premiums, partial surrenders and loans). All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company. Approval for coverage under the policy and LTC riders is subject to underwriting and may require a medical exam. As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include cost of insurance based on your sex, health and age, and has additional charges for riders that customize a policy to fit your individual needs. Keep in mind that as an acceleration of the death benefit, the long-term care rider payout will reduce both the death benefit and cash surrender values. Care should be taken to make sure that your life insurance needs continue to be met even if the entire death benefit is accelerated by the long-term care rider payout. There is no guarantee that the rider will cover the entire cost for all of the insured s long-term care as these vary with the needs of each insured. The long-term care rider has an additional charge associated with it. A life insurance purchase should be based on the life policy, and not optional riders or features. The cost of a rider may exceed the actual benefit paid under the rider. Life insurance is issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. Nationwide, the Nationwide N and Eagle, Nationwide YourLife and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company Nationwide (06/15)

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