Making it easier for you to do business

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1 Making it easier for you to do business Nationwide Life Underwriting Desk Reference For insurance professional use only not for distribution with the public

2 EasyMed or regular underwriting? Determine which underwriting process to use: EasyMed, the simplified application process, or regular underwriting. Easy-to-use EasyMed If you prefer not to collect medical information from your client, you can utilize the EasyMed simplified application process. Once the EasyMed application has been completed, Nationwide will schedule the telephone interview with the client, and order the appropriate underwriting requirements. This speeds up the underwriting process for you and your client. Refer to the EasyMed brochure LAM-0148AO-AG in this kit for detailed information. Regular underwriting If you do not wish to use the EasyMed simplified application process, or cannot because your case does not qualify, then obtain the current state-specific life insurance application and other situational underwriting and supplemental forms (from the Sales and Service Center or product kits) and follow these steps: 1. When filling out the application, provide as much information as possible about any medical history to which your client answered yes. 2. If your client has a history of asthma, cancer, coronary artery disease or diabetes, refer to NFS-1952, Start with the facts, in this kit for additional questions to ask your clients. 3. Always provide attending physician s first and last name, address and phone number for clients answering yes to any medical questions. 4. To determine medical requirements, see Life underwriting medical requirements inside. 5. Order medical requirements by calling one of Nationwide s authorized paramedical providers: Exam One Portamedic American Para Professional Systems (APPS) Always have oral fluids testing kits available. See the order information below. 7. When submitting an application, please remember to include any state-specific or supplemental forms. Forms are available on our website at nationwidefinancial.com. If the policy number is known, please include this when faxing or mailing documents to underwriting. Provide a cover letter for cases with an unusual medical history or a large specified amount. Oral fluids testing and kits The oral fluids exam is completed at time of application. An agent or associate agent must be certified to administer the test. Contact your sales manager for more information on becoming certified. Kits can be ordered by agents and/or associate agents. The primary agent s nine-digit agent number must be used when ordering: for example, Kits have a shelf life of 18 months and are packed in fives to reduce wastage of expired kits. Expired kits must be returned to the laboratory no later than last day of the month following expiration month. A postage-paid mailer is provided for expired kit return. Orders for oral fluids kits can be made via phone (or fax or ): Exam One phone: Exam One client.supply@labone.com Exam One fax: Not a deposit Not FD or NCUSIF insured Not guaranteed by the institution Not insured by any federal government agency May lose value For insurance professional use only not for distribution with the public

3 Life underwriting requirements (for all products except Nationwide YourLife Simplified and Nationwide YourLife Single Premium UL) Medical requirements Age of insured Age/Amount $0 $49,999 $50,000 $99,999 $100,000 $499,999 $500,000 $1,000,000 $1,000,001 $5,000,000 $5,000,001 $10,000,000 $10,000,001 and Up Non-medical Oral fluids Oral fluids Paramed, urine HIV HOS Non-medical Oral fluids Oral fluids Paramed, urine HIV HOS Non-medical BCP, HOS, Quick Check 2, MVR or oral fluids, MVR MVR, APS EKG, MVR Stress EKG, MVR, APS Stress EKG, MVR, APS, APS, APS APS Attending physician s statement BCP Blood chemistry profile HOS Home office urine specimen MVR Motor vehicle report Stress EKG Treadmill Individual Consideration 1 2 When determining the medical requirements for age and amount, Amount is equal to the amount of insurance applied for currently, plus any amount of insurance placed in force within the past three (3) years with Nationwide. BCP, HOS and Quick Check are required for Preferred Plus rates (see products for availability). Oral fluids are available for all products, but Preferred Plus is not available with oral fluids. Inspection report $5,000,000 or more $500,000 or more All specified amounts Life financial supplement (fixed and traditional life) Personal insurance Age and amount $1,000,001 or more Age 71+ and amount $100,001 or more Business insurance: amount $500,000 or more Customer account questionnaire form (for NFN exclusive agents only) All ages and specified amounts Does my case qualify for EasyMed? All products except Nationwide YourLife Single Premium Universal Life and Nationwide YourLife Simplified qualify Maximum issue age for EasyMed is age 70 Ages 0 50 with specified amounts of $100,000 $5 million Ages for specified amounts up to $5 million For insurance professional use only not for distribution with the public

4 Preferred risk guidelines (for all products except Nationwide YourLife Simplified and Nationwide YourLife Single Premium UL) Nontobacco Preferred Plus Nontobacco Preferred Tobacco Preferred Nicotine/Tobacco use No use within past 5 years No use within past 12 months Use within past 12 months Minimum face amount $100,000 Minimum age 18 Maximum age up to and including age 80 depending on product Blood pressure readings Not to exceed 140/80 age 55 Not to exceed 140/90 age > 55 Not to exceed 145/90 age 55 Not to exceed 150/90 age > 55 Blood pressure treatment Treated blood pressure acceptable if well controlled No blood pressure treatment for at least one year Total cholesterol and HDL ratio No cholesterol treatment 210 and and 4.0 Ages 71+ must be 160 Treated cholesterol acceptable 230 and and and 4.5 Ages 71+ must be 160 unless treated Moving violations No more than 1 in the past 3 years No more than 2 in the past 3 years DUI/DWI No DUI/DWI conviction in the past 5 years Drug/Alcohol abuse No history of abuse No history of abuse within 10 years Family history No death due to cardiovascular disease or cancer in either parent or sibling prior to age 60; not applicable for ages > 71 Felony conviction No history of felony conviction Aviation/Avocation/ Foreign travel Personal history Build Build (Height/Weight chart) No rating for aviation (civil exclusion is eligible), hazardous avocation risk or foreign travel/residence risks (Any aviation [excluding commercial pilots] or hazardous avocation risk is not eligible for Preferred Plus) No history of coronary artery disease, diabetes, stroke or cancer (except basal cell-skin) See chart below Height Weight limit Weight limit Height Pref+ Pref Pref+ Pref For insurance professional use only not for distribution with the public

5 Express mail for fixed application: Nationwide Financial Life Operations RR1-04-D Rings Road Dublin, OH For variable life only, all applications must be sent overnight to: Nationwide Securities, LLC 5525 Park Center Circle, CO Dublin, OH Fax your underwriter: Check status of pending cases at nationwidefinancial.com by policy number or client name. Status is updated in real time. Most important, for help, call Life Underwriting: Need application help? LIFE (5433) Life Health and Annuity Service Center Option (1) then (41012) for life commissions Option (1) then (41016) for new business Life Service Center Option (3) Oral fluids kits Option (2753) For assistance as close as your telephone, please call Nationwide Financial Network Sales at

6 Life insurance issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio, members of Nationwide Financial. Nationwide, the Nationwide framemark, Nationwide Financial, Nationwide Financial Network, Nationwide YourLife and On Your Side are federally registered service marks of Nationwide Mutual Insurance Company. EasyMed is a federally registered service mark of Nationwide Life Insurance Company , Nationwide Financial Services, Inc. All rights reserved. NFM-0240AO-AG.9 (12/08)