Life Insurance Illustration Nationwide YourLife Indexed ULuinmarketing.com/resources/Nationwide IUL College... · Life Insurance Illustration Nationwide YourLife ... Nationwide Prepared

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Form #: ICC11-NWLA-453 Issued in: Oregon Software Version: 2.12.0 - HOI Prepared by: Valued Advisor Prepared on: 2/6/2013FLM-0785AO

Any Indexed Interest Strategy offered by Nationwide Life and Annuity Insurance Company is an allocation option available with this lifeinsurance policy. Indexed universal life insurance policies are not stock market investments, do not directly participate in any stock or equityinvestments and do not receive dividend or capital gains participation. Past index performance is no indication of future crediting rates. Also,

be aware that interest crediting fluctuations can lead to the need for additional premium to keep in your policy in force.

• Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution •Not insured by any federal government agency • May lose value

Nationwide Life and Annuity Insurance CompanyOne Nationwide PlazaColumbus, OH 43215

Life Insurance IllustrationNationwide YourLife® Indexed UL

Prepared for:Valued Client

Presented by:Valued AdvisorNationwide

Prepared on:February 6, 2013

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Life Insurance IllustrationNationwide YourLife® Indexed ULNationwide Life and Annuity Insurance Company, Columbus, Ohio

Narrative Summary

Form #: ICC11-NWLA-453 Issued in: Oregon Software Version: 2.12.0 - HOI Prepared by: Valued Advisor Prepared on: 2/6/2013

About theIllustration

The illustration is not a contract and will not become part of any policy issued byNationwide Life and Annuity Insurance Company. The policy constitutes the actualagreement of coverage and contains the entire terms of the contract. Neither Nationwidenor its representatives give legal or tax advice. Please consult with your attorney or taxadvisor for answers to your specific tax questions.

This illustration assumes that the currently illustrated nonguaranteed elements willcontinue unchanged for all years shown. This is not likely to occur, and actualresults may be more or less favorable than those shown.

The illustration is intended to assist you in understanding how the policy works, not topredict actual performance. It reflects a variety of illustrated activities, such as plannedpremiums, assumed interest credits, coverage amounts, Loans, and Partial Surrenders toillustrate the impact on the policy's performance. This illustration assumes that thepremiums, Partial Surrenders, and/or Loans are made on a policy monthaversary, and thatall policy monthaversaries (including the policy date) occur on a Sweep Date. In reality,payments and distributions can occur on any day, and policy monthaversaries do notoccur on Sweep Dates for most policies.

This illustration assumes that the premium payment is made on the first day of each year.

About theUniversal Life

Policy

Nationwide YourLife® Indexed UL is an individual index-linked universal life insurancecontract covering a single life. It offers life insurance protection and the potential for cashvalue accumulation, meeting two needs with one policy.

Nationwide YourLife Indexed UL offers:• Permanent protection for your family and loved ones• Tax-deferred cash value growth• Index-linked interest crediting and cash value accumulation potential• Flexible access to Accumulated Values for supplemental cash needs (certain

restrictions apply)• Income tax-free death proceeds

There are no required premium payments after the minimum initial premium has beenpaid. Premiums may be paid in any amount and frequency as long as the minimumamounts set by Nationwide Life and Annuity Insurance Company and maximum amountsset by the Internal Revenue Code are not violated. However, in order to continuecoverage, the Net Surrender Value must be sufficient to pay the policy's MonthlyDeductions and other charges, or the policy's minimum accumulated premium deathbenefit guarantee requirements are met. If the Net Surrender Value is not sufficient to paythe policy's Monthly Deductions and other charges (or the policy's minimum accumulatedpremium death benefit guarantee is not in force), then additional premium may be requiredto keep the policy in force.

This policy includes a 20 year Initial Death Benefit Guarantee period. During this period,the policy is guaranteed not to lapse as long as the total gross premium paid, lessaccumulated Partial Surrenders and outstanding Loan balance, is greater than or equal tothe accumulated Initial Death Benefit Guarantee monthly premium through the most recentmonthaversary.

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Narrative Summary


About theUniversal Life

Policy(continued)

Premiums received are assessed a premium load charge. The remaining amount isapplied to the policy's Accumulated Value. The Accumulated Value in the policy earns andis credited with interest. Once a month, on the policy monthaversary, a deduction is madefrom the Accumulated Value to cover administrative, insurance and other costs. Thedeductions will apply until the policy matures at the Insured's attained age 120.

Available net surrender value can be borrowed at any time. After the first policy year,Partial Surrenders can also be made. The policy can be surrendered for cash at any time,however, the value paid will be decreased by the applicable Surrender Charge and anyindebtedness.

Key Terms &Column

Headings

Accumulated Value - The amount of premium paid, minus premium loads andadministrative charges, minus Monthly Deductions for cost of insurance and rider charges,minus any Partial Surrenders, plus interest credited.

Annualized Premium Outlay - Total premium projected to be paid into the policy during apolicy year.

Age - Issue Age plus the number of full policy years since the policy date.

Death Benefit Option - Determines the amount of death benefit payable. Option 1provides a level death benefit equal to the Specified Amount of the policy. Option 2provides a death benefit equal to the Specified Amount of the policy plus its AccumulatedValue.

Fixed Interest Strategy - An allocation option funded by Nationwide's general accountand credited interest at rates periodically declared in advance.

CurrentIllustratedGuaranteed

4.00%4.00%2.00%

Guaranteed Values - Guaranteed Values are based on guaranteed cost of insurance andguaranteed policy charges, and guaranteed minimum crediting interest rates.

Indexed Interest Strategy(ies) - One or more allocation options funded by Nationwide'sgeneral account and credited with interest based on the measured performance of itsReference Index and the applicable Cap Rate, Floor Rate, and Participation Rate.

There are two Indexed Interest Strategies currently available, the One Year Multi-IndexMonthly Average Indexed Interest Strategy (1-Yr Multi-Index) and the One Year S&P 500Point-to-Point Indexed Interest Strategy (1-Yr Point-to-Point).

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Narrative Summary


Key Terms &Column

Headings(continued)

The rate of return based on the past 30 years of performance for the indexes in thisproduct as of 09/15/2012 is displayed as a reference value. Current Cap Rate, Floor Rateand Participation Rate were used in calculating this historical average. Historicalperformance varies based on the assumed number of Index Segments. Based on thetiming of premiums, a minimum of 1 segment can be created each year, up to a maximumof 12 segments. A number of different reasonable methods may be used to calculate thehistorical average, and each such method will result in a different historical average. Thehistorical performance of the Reference Index is not intended as an indication of its futureperformance and is not guaranteed.

30 Year AverageMinimum Number of Index SegmentsMaximum Number of Index Segments

1-Yr Multi-Index8.3%7.6%

1-Yr Point-to-Point7.9%7.6%

The values in this illustration utilize the Illustrated rate below which cannot be lower thanthe Guaranteed.

IllustratedGuaranteed



IMPORTANT NOTE: Regardless of the percentage allocated to an Indexed InterestStrategy, the Minimum Required Fixed Interest Strategy Allocation must be met.

Cap Rate - The maximum rate of interest that will be credited to an Index Segmentif the Reference Index's performance and interest crediting formula produce a resultthat is greater than the maximum rate.

CurrentGuaranteed



Floor Rate - The minimum rate of interest that will be credited to an Index Segmentif the Reference Index's performance and interest crediting formula produce a resultthat is less than that minimum rate.

CurrentGuaranteed



Participation Rate - The percentage applied to the result of the Reference Index'sinterest crediting formula prior to application of an Index Segment's Cap Rate andFloor Rate.

CurrentGuaranteed

1-Yr Multi-Index140%100%

1-Yr Point-to-Point100%100%

The current Cap, Floor, and Participation Rates can vary on a monthly basis fornew Index Segments.

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Narrative Summary


Key Terms &Column

Headings(continued)

Index Segment(s) - A division of an Indexed Interest Strategy created on a SweepDate by the allocation of net premium, reallocation of Index Segment MaturityValue, and/or transfer of Accumulated Value from the Fixed Interest Strategy to anIndexed Interest Strategy.

Index Segment Maturity Value - The Accumulated Value of an Index Segment onits Index Segment Maturity Date after any interest is credited.

Minimum Required Fixed Interest Strategy Allocation (MRFISA) - A dollaramount equal to the estimated Monthly Deductions for a 12 month period, assumingno changes to the policy during that policy year. This amount is determined eachyear and until this requirement is met, no value will be allocated into an IndexedInterest Strategy.

Reference Index - One or more market indexes associated with an IndexedInterest Strategy.

Sweep Date - The dates on which net premium, Accumulated Value in the FixedInterest Strategy and/or maturing Index Segments can be allocated to the IndexedInterest Strategy to create new Index Segments.

Insured - The person covered by the base policy.

Issue Age - The Insured's age on their birthday nearest the policy date.

Loans/Partial Surrenders -Loans - Amount borrowed against the Net Surrender Value. Any outstanding policyindebtedness will be charged interest at the policy Loan interest rate as defined in thepolicy. If the Loan interest is not paid, it is added to the total Loan balance. Anyoutstanding policy indebtedness will result in a reduction of the policy's surrender valuesand Death Benefit proceeds. Indebtedness will also reduce the accumulated premiumrequired by any death benefit guarantee feature of the base policy or any elected deathbenefit guarantee rider.Partial Surrenders - Amount taken as Partial Surrenders during the policy year. PartialSurrenders reduce the death benefit and Net Surrender Value by the gross surrenderamount. Amounts surrendered from an Index Segment before its Index Segment MaturityDate will not receive any Index Segment Interest for that Index Segment Interest Period.

More about Loans - In addition to Declared Rate Loans, Alternative Loans may beoffered. Only one type of Loan may be taken at a time, and any existing Loan of one typemust be paid back before a Loan of the other type can be taken. Switching from one typeof Loan to the other is only permitted once in a 12 month period.

You have chosen to illustrate Alternative Loans.

Alternative Loans - A Loan option under which the money borrowed remainsallocated to the selected interest crediting strategies and continues to receive theinterest credited to those strategies. Nationwide reserves the right to stop offeringAlternative Loans in the future.

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Narrative Summary


Key Terms &Column

Headings(continued)

Interest charged for this type of Loan can vary quarterly, is based upon Moody'sCorporate Bond Yield Average, and is declared in advance.

Any Alternative policy Loan will be charged interest subject to the following:

Guaranteed MinimumCurrent

IllustratedGuaranteed Maximum

3.00%4.22%4.22%8.00%

IMPORTANT NOTE: Alternative Loans are more volatile than Declared RateLoans because the interest charged and credited both can vary more whencompared to the Declared Rate Loans. To assist you in understanding howdifferent loan interest charged rates may affect the policy, two NONGUARANTEED scenarios are presented in the Tabular Detail. One scenario usesthe specified (or illustrated) loan interest charged rate and the other uses theguaranteed maximum loan interest charged rate.

Declared Rate Loans - A Loan option under which money borrowed against the NetSurrender Value is credited and charged interest. We may credit interest at a higherrate than the stated minimum rate, and we may charge interest at a lower rate thanthe stated maximum.

Any Declared Rate Loan will be charged interest at the following rates:

Current GuaranteedPolicy years 1-10 3.90% 3.90%Policy years 11+ 3.00% 3.25%

The loaned portion of the Accumulated Value will be credited interest at the followingrates:

CurrentGuaranteed

3.00%2.00%

Midpoint - Midpoint values are not guaranteed and are based on interest rates that arehalfway between the guaranteed and current interest rate. The cost of insurance chargesand any other charges used in the Midpoint value calculation are halfway between theguaranteed and current charges.

Modified Endowment Contract - A life insurance policy where premium payments madeduring the first seven years of the contract, or during the first seven years after a materialchange, exceed the Modified Endowment Premium limit as defined by section 7702A ofthe Internal Revenue Code. Distributions from these types of contracts are subject to lessfavorable tax treatment than distributions from policies which are not Modified EndowmentContracts.

Monthly Deductions - The charges taken from the total account value which are the sumof the cost of insurance charges, administrative charges, rider costs, and per 1,000charge.

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Narrative Summary


Key Terms &Column

Headings(continued)

Current Cost of Insurance rates (COI) - This policy has two sets of Current COIrates. If the policy is under funded at any point starting in the maximum of year 16 orattained age 76 a higher set of current COI rates will apply. Under funded is definedas periods when the Accumulated Value minus policy indebtedness divided by theTotal Specified Amount (Base plus Additional Term Rider) is less than 10%. In otherwords, these higher COI rates are applied only for periods where the policy is underfunded. See the Monthly Cost of Insurance report for the two sets of COI rates.

Net Annual Outlay - Shows planned premiums plus any Loan repayments, less PartialSurrenders and Loans.

Net Death Benefit - Death benefit amount that would be paid to beneficiary in the event ofInsured's death. This amount is net of any outstanding policy indebtedness.

Net Surrender Value - Accumulated Value less applicable Surrender Charges, minus anypolicy indebtedness. The amount that the policy owner would receive if a full surrenderwas effected.

Section 7702 - Life Insurance Qualification Test: Two alternative tests as defined bySection 7702 of the Internal Revenue Code, one of which must be elected at the time ofapplication, used to determine tax treatment of the policy:

Cash Value Accumulation Test (CVAT):CVAT requires that the Accumulated Valuenot exceed the Net Single Premium (NSP) to fund the future benefits at any time.

Guideline Premium/Cash Value Corridor Test (GP/CVCT): GP/CVCT is the otheralternative test that can be selected at issue of the Life Insurance policy. GP/ CVCT isa dual test that is met at all times if:

1. The total of the gross premium paid under the contract does not exceed theGuideline Premium limitations for the contract, and

2. The statutory Cash Value Corridor requirement is satisfied

This illustration was calculated using the Guideline Premium Test.

Specified Amount - Dollar amount used to determine the amount of the death benefit.

Surrender Charges - Amount deducted from the Accumulated Value in the event that thepolicy owner surrenders the policy during the applicable period. The actual SurrenderCharge deducted will be the lesser of the Surrender Charge shown in the table below andthe Accumulated Value on the date of surrender. At no time will the deduction of theSurrender Charge cause the policy owner to owe additional money to Nationwide Life andAnnuity Insurance Company.

Table of Surrender Charges

Policy Year Surrender Charges1 $17,635.002 $16,819.00

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Narrative Summary


Key Terms &Column

Headings(continued)

3 $15,964.004 $15,068.005 $14,127.006 $13,141.007 $12,105.008 $11,018.009 $9,874.0010 $8,671.0011 $7,405.0012 $6,074.0013 $4,673.0014 $3,197.0015 $1,641.0016 $0.00

Total Loan Balance - Outstanding policy indebtedness plus unpaid Loan interest.

AboutIndexed UL

What interest crediting strategies are available?

Net Premium and maturing Index Segments may be allocated to the Fixed InterestStrategy and/or the Indexed Interest Strategy(ies).

Fixed Interest StrategyAny value allocated to the Fixed Interest Strategy will be credited interest daily, basedupon the current Fixed Interest Strategy crediting rate. The current rate is 4.00% andguaranteed not to go below 2%.

Indexed Interest Strategy(ies)Nationwide currently offers two Indexed Interest Strategies:

1. One Year Multi-Index Monthly Average Indexed Interest Strategy2. One Year S&P 500® Point-to-Point Indexed Interest Strategy

One Year Multi-Index Monthly Average Indexed Interest StrategyThis strategy follows three indices, the S&P 500®, the Dow Jones Industrial AverageSM,and the NASDAQ-100®. Interest is credited to the Indexed Account based on a weightedblend of the monthly average performance of these three indices. Although this interestcredit may vary, it is guaranteed to not go below zero.

One Year S&P 500® Point-to-Point Indexed Interest StrategyThis strategy follows one index, the S&P 500®. Interest is credited to the Indexed Accountbased on the annual performance of the S&P 500®. This interest credit may also vary, butit is guaranteed to not go below zero.

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Narrative Summary


AboutIndexed UL(continued)

For this illustration, you have chosen to allocate your net premium payments as follows: 0% into the Fixed Interest Strategy 50% into the One Year Multi-Index Monthly Average Indexed Interest Strategy 50% into the One Year S&P 500 ® Point-to-Point Indexed Interest Strategy

For this illustration, you have chosen to allocate your maturing Index Segments as follows: Reallocate to Matured Segment Strategy

IMPORTANT NOTE: Regardless of the percentage allocated to an Indexed InterestStrategy, the Minimum Required Fixed Interest Strategy Allocation must be met.

How is interest credited to an Indexed Interest Strategy?

Every time there is a sweep (or transfer) of Accumulated Value and/or net premium intothe Indexed Interest Strategy, an Index Segment is created. Payments or transfersallocated to an Indexed Interest Strategy will be held in the Fixed Interest Strategy until thenext Sweep Date occurs, which is currently the 15th of each month. Segments arecredited interest at the end of the Index Segment Interest Crediting Period, which is oneyear from the date it was created.

Each Index Segment will track a separate time frame of the Reference Index'sperformance. The value of an Index Segment can be reduced over that period as monthlyinsurance charges, Partial Surrenders and/or Loans are deducted from the policy'sAccumulated Value. Amounts are taken from the Fixed Interest Strategy first, until it isexhausted, then from any maturing Index Segments, and finally from Index Segments thathave not matured in a predetermined order stated in the Policy Specification Pages. Anyvalue remaining in the maturing Indexed Interest Strategy segment will be credited interestbased upon that performance, subject to the applicable Cap Rate, Floor Rate, andParticipation Rate. These rates can vary for each segment and are declared when eachsegment begins.

Amounts withdrawn, deducted, or transferred from an Index Segment during anIndex Segment Interest Period: for full or Partial Surrenders; to pay MonthlyDeductions other policy charges; or to the Declared Rate Policy Loan Account(including due and unpaid Loan Interest Charged), will not receive any IndexSegment Interest for that Index Segment Interest Period. Amounts withdrawn on anInterest Segment Interest Crediting Date will receive Index Segment Interest for theIndex Segment Interest Period that ends on that day, but will not receive IndexSegment Interest for any subsequent Index Segment Interest Period.

How is the One Year Multi-Index Monthly Average Indexed Interest Strategy'screditing rate determined?

Nationwide determines the crediting rate based on the performance of the three underlyingindices (the S&P 500®, the Dow Jones Industrial AverageSM, and the NASDAQ-100®). Thevalue for each Reference Index is tracked from month to month over a segment term. Atthe segment maturity date, the values are calculated to determine the monthly averages.The top performing index is weighted 50%, the second best 30%, and the third best 20%.Once this has been calculated, the Participation Rate, Cap Rate, and Floor Rate areapplied to determine the actual interest to be credited.

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Narrative Summary



The following example demonstrates how this crediting rate is calculated.

The historical values displayed below are for illustrative purposes only. Past performance is no guarantee of futureperformance or of values of indexed life insurance. Cap, floor and participation rates are illustrative in nature, are notguaranteed, are subject to change and may vary. Different time scenarios will produce varying results which could be lessfavorable or more favorable depending on the performance of each index.

The One Year Multi-IndexMonthly Average IndexedInterest Strategy tracks theindex rates each month andaverages the performance forthe 12 month period.

The difference (between theaverage and initial value) isdivided by the initial value todetermine the index growth.

NASDAQ-100®

104.47 ÷ 2,202.45 = 4.74%

Dow Jones IndustrialAverageSM

518.33 ÷ 11,457.47 = 4.52%

S&P 500®

35.93 ÷ 1,235.23 = 2.91%

NASDAQ-100®

Dow JonesIndustrial

AverageSM

S&P 500®

Dec 15, 2010 2,202.45 11,457.47 1,235.23

Jan 15 2,323.43 11,787.38 1,293.24

Feb 15 2,381.92 12,226.64 1,328.01

Mar 15 2,259.62 11,855.42 1,281.87

Apr 15 2,307.58 12,341.83 1,319.68

May 15 2,379.24 12,595.75 1,337.77

Jun 15 2,209.01 11,897.27 1,265.42

Jul 15 2,356.67 12,479.73 1,316.14

Aug 15 2,214.12 11,482.90 1,204.49

Sep 15 2,286.56 11,433.18 1,209.11

Oct 15 2,371.94 11,644.49 1,224.58

Nov 15 2,366.24 12,096.16 1,257.81

Dec 15, 2011 2,226.71 11,868.81 1,215.75

Average 2,306.92 11,975.80 1,271.16

The percentage of indexgrowth is weighted with 50%of the top performing index,30% of the second best, and20% of the third to determinethe return for each.

NASDAQ-100®

Dow JonesIndustrial

AverageSM

S&P 500®

Index Growth 4.74% 4.52% 2.91%

Weight 50% 30% 20%

Return 2.37% 1.36% 0.58%

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Narrative Summary



These are added together todetermine the total averagerate of 4.31%.

The total average rate is thenmultiplied by the ParticipationRate to get 6.03%.

Once this percentage isdetermined, the Cap Rate andFloor Rate are applied. If theCap Rate is 14%, the appliedinterest rate is 6.03%.

TotalAverage Rate 2.37% + 1.36% + 0.58% = 4.31%

ParticipationRate 140% x 4.31% = 6.03%

Cap Rate/Floor Rate 12.00%/0%

Credited 6.03%

If the Cap Rate is 6%, the applied interest rate would be 6%. On the other hand, if themonthly weighted average is below zero, the Floor Rate is applied and the creditedinterest rate would be 0%.

If a Reference Index becomes unavailable, Nationwide may substitute a comparableReference Index or modify the interest calculation. For the One Year Multi-Index MonthlyAverage Indexed Interest Strategy, Nationwide may adjust the weighting of remainingReference Indices to 65% of the best performing and 35% of the second best performing,if one index is discontinued or becomes unavailable, or 100% of the remaining ReferenceIndex if two indices are discontinued or become unavailable, instead of replacing aReference Index. Nationwide may also close an Index Strategy to new allocations.

How is the One Year S&P 500® Point-to-Point Indexed Interest Strategy's creditingrate determined?

Nationwide tracks the performance of the S&P 500® on an annual basis. The Index Valueon the Segment Maturity Date is compared to the Index Value on the segment start date. The difference between the two values is multiplied by the participation rate. After the capand floor rates are applied, that amount is credited to the cash value.

The following example demonstrates how this crediting rate is calculated.

The historical values displayed below are for illustrative purposes only. Past performance is no guarantee of futureperformance or of values of indexed life insurance. Cap, floor and participation rates are illustrative in nature, are notguaranteed, are subject to change and may vary. Different time scenarios will produce varying results which could be lessfavorable or more favorable depending on the performance of each index.

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Narrative Summary



The value of the S&P 500® atthe segment start date iscompared to the value oneyear later to determine thedifference between the two.

That difference is then dividedby the segment start datevalue to determine thepercentage either gained orlost.

127.3 ÷ 1,107.93 = 11.49%

S&P 500® Value

Dec 15, 2009 1,107.93

Dec 15, 2010 1,235.23

Gain/Loss 11.49%

The gain of 11.49% is thenmultiplied by the participationrate of 100%.

Finally, the cap and floor ratesare applied to determine theinterest that will be credited tothe cash value. If the currentcap is 12%, the amountcredited will be 11.49%.

Participation Rate 100% x 11.49% = 11.49%

Cap rate/Floor rate 12% / 0%

Crediting Rate 11.49%

If the Current Cap Rate is11%, the amount creditedwould be 11%.The "Dow Jones Industrial AverageSM" is a product of Dow Jones Indexes, the marketing name and a licensed trademarkof CME Group Index Services LLC ("CME"), and has been licensed for use. "Dow JonesSM", "Dow Jones IndustrialAverageSM" and "Dow Jones Indexes" are service marks of Dow Jones Trademark Holdings, LLC ("Dow Jones") and havebeen licensed for use for certain purposes by Nationwide Life and Annuity Insurance Company. Nationwide's NationwideYourLife® Indexed UL is based on the Dow Jones Industrial AverageSM is not sponsored, endorsed, sold or promoted byCME Indexes, Dow Jones or their respective affiliates, and CME Indexes, Dow Jones and their respective affiliates make norepresentation regarding the advisability of trading in such product(s).

NASDAQ®, OMX®, NASDAQ OMX®, NASDAQ-100®, and NASDAQ-100 Index® are registered trademarks of The NASDAQOMX Group, Inc. (which with its affiliates is referred to as the "Corporations") and are licensed for use by Nationwide Lifeand Annuity Insurance Company. The Product has not been passed on by the Corporations as to their legality or suitability.The Product is not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NOWARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT.

S & P 500® is a trademark of Standard & Poor's and has been licensed for use by Nationwide Life and Annuity InsuranceCompany. Nationwide YourLife® Indexed UL is not sponsored, endorsed, sold or promoted by Standard & Poor's andStandard & Poor's makes no representation regarding the advisability of investing in the Product.

Indexed universal life insurance policies are not stock market investments, do not directly participate in any stock or equityinvestments and do not receive dividend or capital gains participation. Past index performance is no indication of futurecrediting rates. Also, be aware that interest crediting fluctuation can lead to the need for additional premium in your policy.

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Narrative Summary


AdditionalBenefits &

Information

Initial Death Benefit Guarantee - This illustration reflects a 20 year Initial Death BenefitGuarantee Period. This provision ensures that the policy will not lapse during the InitialDeath Benefit Guarantee Period as long as (1) is greater than or equal to (2), where:1. Is the sum of all premiums paid, minus any Partial Surrenders, partial surrender fees

and outstanding policy indebtedness; and2. Is the sum of the Initial Death Benefit Guarantee Monthly Premiums in effect from the

policy issue date to the most recent monthaversary.

The annualized Initial Death Benefit Guarantee Premium is $4,032.00.

Policy Maturity Date Extension• This policy provision protects against the possibility of outliving coverage.• Provided the policy has not been surrendered or otherwise terminated before reaching

the original Maturity Date (the Insured's Attained Age 120), the policy coverage will beextended past the maturity date to pay a death benefit upon the death of the Insured.

• After the Maturity Date has been extended, payments will no longer be accepted(except for Loan repayments), interest will continue to be credited to the policy'sAccumulated Value, and monthly charges will cease to be deducted.

Accelerated Death Benefit Rider - (Form# NWLA-344-OR)• The Accelerated Death Benefit Rider advances a portion of the policy's death benefit

in the event of a non-correctable terminal illness (with a life expectancy of 12 monthsor less).

• The rider is elected and attached to the policy at the time a claim is made andaccepted

• There is no upfront charge for this rider, however charges and adjustments will applyat the time a claim is accepted.

• The receipt of an accelerated death benefit may be taxable or may affect Medicaid orpublic assistance eligibility.

• Nationwide therefore strongly recommends that clients seek independent advice whendetermining the benefits of using the Accelerated Death Benefit feature of this policy.

• Nationwide reserves the right to require the base policy specified amount be at least$50,000 on the rider effective date; the remaining specified amount, after earlypayment of the death benefit, must be at least the minimum specified amount.

• The Accelerated Death Benefit may not be available if the current base death benefitis equal to the stated minimum death benefit in your policy.

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Narrative Summary


AdditionalBenefits &

Information(continued)

Overloan Lapse Protection Rider - (Form# ICC11-NWLA-458) The Overloan LapseProtection Rider helps protect heavily loaned policies from lapsing by providing aguaranteed paid-up insurance benefit, avoiding a potential tax consequence on the Loanbalance. Neither the IRS nor the courts have ruled on the tax consequences of invokingthe Overloan Lapse Protection Rider. It is possible that the IRS or a court could assert thatthe Indebtedness should be treated as a distribution, all or a portion of which could betaxable when you elect to invoke the benefits under the Rider. You should consult with atax advisor regarding the risks associated with invoking this Rider. The rider isautomatically added to your policy when it is issued, but there is no charge until youchoose to invoke it. The Rider has no cash value and has no Loan value. To invoke therider, the policy must meet all of the following requirements:

• The policy has reached its 15th anniversary.• The Insured is at least age 75.• The cash value is at least $100,000.• All amounts required to be withdrawn so that the policy continues to qualify as life

insurance under Section 7702 of the Internal Revenue Code must be taken as PartialSurrenders.

• The policy is issued under the Guideline Premium/Cash Value Corridor Test of section7702 of the Internal Revenue Code.

• The indebtedness becomes more than a certain percentage of the policy's cash value.This percentage is called the 'trigger point' and varies by the Insured's attained age.

Please Note - Guarantees are subject to the claims-paying ability of Nationwide Life andAnnuity Insurance Company.

Actual policy values may vary from policy values shown in this illustration, even if allassumptions in this illustration occur as shown. Should a discrepancy occur, Nationwidewill not lapse the policy prior to the illustrated guaranteed lapse date as long as there havebeen no changes to the policy that would affect the values shown in this illustration and aslong as all future planned premiums are paid as illustrated.

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Prepared For: Valued Client // Male/40/Preferred NontobaccoSection 7702: Guideline Premium TestSpecified Amount: $802,179Death Benefit Options: Option 2 (Increasing); Switch to Option 1 (Level) in Year 20Initial Planned Premium: $30,000.00 AnnualPremium Allocation: 50% One Year Multi-Index Monthly Average Indexed Interest Strategy (subject to MRFISA)

50% One Year S&P 500® Point-to-Point Indexed Interest Strategy (subject to MRFISA)0% Fixed Interest Strategy



Numeric Summary Guaranteed 1-Yr Multi-Index Midpoint 1-Yr Multi-Index 1-Yr Multi-Index Rate 0.00% Rate 3.50% Rate 7.00% Guaranteed 1-Yr Point-to-Point Midpoint 1-Yr Point-to-Point 1-Yr Point-to-Point Rate 0.00% Rate 3.50% Rate 7.00% Guaranteed Fixed Midpoint Fixed Fixed Rate 2.00% Rate 3.00% Rate 4.00% Guaranteed Charges Midpoint Charges* Current Charges

Cumulative Net Net Net Net Net NetEnd of Premium Surrender Death Surrender Death Surrender DeathYear Age Outlay Value Benefit Value Benefit Value Benefit

5 45 150,000 100,833 917,139 116,072 932,378 132,854 949,16010 50 300,000 217,346 1,028,196 273,273 1,084,123 342,742 1,153,59214 54 330,000 Lapse Lapse Lapse Lapse 157,544 962,92020 60 480,000 329,840 1,051,35930 70 780,000 1,256,612 1,587,26560 100 780,000 1,840,569 1,840,56980 120 780,000 28,156,073 28,156,073

Based on Premium Outlay,Coverage would continue to: Age 53 Age 53 Age 120

* Midpoint charges are equal to one-half the sum of (Current + Guaranteed) charges.

Policy was not illustrated as a Modified Endowment Contract.

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I have received a copy of this illustration and understand that any non-guaranteed elements illustrated aresubject to change and could be either higher or lower. The Sales Representative has told me that they are notguaranteed. I also understand that this illustration is not a contract and that the terms of the policy constitute theactual agreement of coverage.

Applicant/Policy Owner Date

I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no representations that are inconsistent withthe illustration.

Note: Nationwide uses fully allocated expenses in its illustrations. This means that all expenses, includingindirect expenses such as corporate overhead and general advertising, are allocated to the policies.

Sales Representative Date

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Tabular Detail - Guaranteed Charges


†The minimum premium needed for the Initial Death Benefit Guarantee is not illustrated since the Net Surrender Value shown is sufficient to keep thepolicy in force during this period. If the policy does not perform as illustrated, this may not be the case and additional premium may be required to satisfythe Initial Death Benefit Guarantee. Please see the Initial Death Benefit Guarantee section under Additional Benefits & Information of the NarrativeSummary for more information.

Based on Premium Outlay, coverage would continue to: Insured's attained age: 53

Target Premium: $10,949.74 Guideline Single Premium: $139,182.00 Guideline Annual Premium: $30,000.00 7 Pay Premium: $32,384.00

Maximum Alternative Loan Charge 8.00% Guaranteed 1 Yr Multi-Index Rate 0.00% Guaranteed 1 Yr Point-to-Point Rate 0.00% Guaranteed Fixed Rate 2.00%

Annualized Loans/ Net Total Net NetEnd of Premium Partial Annual Accumulated Loan Surrender DeathYear Age Outlay Surrenders Outlay Value Balance Value Benefit

1 41 30,000 0 30,000 23,225 0 5,590 825,4042 42 30,000 0 30,000 46,355 0 29,536 848,5343 43 30,000 0 30,000 69,366 0 53,402 871,5454 44 30,000 0 30,000 92,242 0 77,174 894,4215 45 30,000 0 30,000 114,960 0 100,833 917,139

Total 150,000 0 150,000

6 46 30,000 0 30,000 137,495 0 124,354 939,6747 47 30,000 0 30,000 159,856 0 147,751 962,0358 48 30,000 0 30,000 182,026 0 171,008 984,2059 49 30,000 0 30,000 204,085 0 194,211 1,006,264

10 50 30,000 0 30,000 226,017 0 217,346 1,028,196Total 300,000 0 300,000

11 51 30,000 0 30,000 247,767 0 240,362 1,049,94612 52 0 † 100,000 -100,000 242,302 102,271 131,946 940,19913 53 0 100,000 -100,000 236,543 208,859 14,963 821,81514 54 0 100,000 -100,000 Lapse Lapse Lapse Lapse

Total 330,000 300,000 30,000

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Tabular Detail - Non-Guaranteed, Current Charges*This illustration contains Alternative Loans. The Alternative Loan amounts presented in this illustration are based upon the Alternative LoanCharge rate of 4.22%. To assist you in understanding how an increase in the Alternative Loan charge rate can affect policy values, a secondset of non guaranteed policy values is displayed using the maximum Alternative Loan charge rate of 8.00%.


†The minimum premium needed for the Initial Death Benefit Guarantee is not illustrated since the Net Surrender Value shown is sufficient to keep thepolicy in force during this period. If the policy does not perform as illustrated, this may not be the case and additional premium may be required to satisfythe Initial Death Benefit Guarantee. Please see the Initial Death Benefit Guarantee section under Additional Benefits & Information of the NarrativeSummary for more information.

Based on Premium Outlay, coverage would continue to: Insured's attained age: 73 Insured's attained age: 120

Target Premium: $10,949.74 Guideline Single Premium: $139,182.00 Guideline Annual Premium: $30,000.00 7 Pay Premium: $32,384.00

*Max Alternative Loan Charge Alternative Loan Charge 4.22% 1 Yr Multi-Index Rate 7.00% 1 Yr Multi-Index Rate 7.00% 1 Yr Point-to-Point Rate 7.00% 1 Yr Point-to-Point Rate 7.00% Fixed Rate 4.00% Fixed Rate 4.00%

Annualized Loans/ Net Total Net Net Total Net NetEnd of Premium Partial Annual Accumulated Loan Surrender Death Loan Surrender DeathYear Age Outlay Surrenders Outlay Value Balance Value Benefit Balance Value Benefit

1 41 30,000 0 30,000 25,693 0 8,058 827,872 0 8,058 827,8722 42 30,000 0 30,000 53,106 0 36,287 855,285 0 36,287 855,2853 43 30,000 0 30,000 82,353 0 66,389 884,532 0 66,389 884,5324 44 30,000 0 30,000 113,584 0 98,516 915,763 0 98,516 915,7635 45 30,000 0 30,000 146,981 0 132,854 949,160 0 132,854 949,160

Total 150,000 0 150,000

6 46 30,000 0 30,000 182,668 0 169,527 984,847 0 169,527 984,8477 47 30,000 0 30,000 220,796 0 208,691 1,022,975 0 208,691 1,022,9758 48 30,000 0 30,000 261,534 0 250,516 1,063,713 0 250,516 1,063,7139 49 30,000 0 30,000 304,995 0 295,121 1,107,174 0 295,121 1,107,174

10 50 30,000 0 30,000 351,413 0 342,742 1,153,592 0 342,742 1,153,592Total 300,000 0 300,000

11 51 30,000 0 30,000 401,082 0 393,677 1,203,261 0 393,677 1,203,26112 52 0 † 100,000 -100,000 425,953 104,282 315,596 1,123,849 102,271 317,607 1,125,86013 53 0 100,000 -100,000 452,432 216,907 230,852 1,037,704 208,859 238,901 1,045,75314 54 0 100,000 -100,000 480,685 338,542 138,945 944,321 319,944 157,544 962,92015 55 0 100,000 -100,000 510,835 469,908 39,286 843,106 435,717 73,477 877,297

Total 330,000 400,000 -70,000

16 56 30,000 0 30,000 572,687 507,501 65,187 867,366 454,104 118,583 920,76217 57 30,000 0 30,000 638,784 548,101 90,683 892,862 473,267 165,516 967,69518 58 30,000 0 30,000 709,419 591,949 117,470 919,649 493,239 216,180 1,018,35919 59 30,000 0 30,000 784,927 639,305 145,622 947,801 514,054 270,873 1,073,05220 60 30,000 0 30,000 865,587 690,449 175,137 896,656 535,747 329,840 1,051,359

Total 480,000 400,000 80,000

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21 61 30,000 0 30,000 952,106 745,685 206,421 841,420 558,356 393,751 1,028,75022 62 30,000 0 30,000 1,044,941 805,340 239,601 781,766 581,918 463,023 1,005,18723 63 30,000 0 30,000 1,144,542 869,767 274,775 717,338 606,475 538,067 980,63024 64 30,000 0 30,000 1,251,463 939,349 312,114 647,757 632,068 619,394 955,03725 65 30,000 0 30,000 1,365,906 1,014,496 351,410 651,909 658,742 707,165 1,007,664

Total 630,000 400,000 230,000

26 66 30,000 0 30,000 1,488,220 1,095,656 392,564 690,208 686,541 801,680 1,099,32427 67 30,000 0 30,000 1,618,885 1,183,309 435,577 743,165 715,513 903,373 1,210,96128 68 30,000 0 30,000 1,758,437 1,277,973 480,463 796,982 745,707 1,012,729 1,329,24829 69 30,000 0 30,000 1,907,461 1,380,211 527,250 851,518 777,176 1,130,285 1,454,55430 70 30,000 0 30,000 2,066,585 1,490,628 575,957 906,610 809,973 1,256,612 1,587,265

Total 780,000 400,000 380,000

31 71 0 190,176 -190,176 2,208,362 1,808,198 400,164 731,418 1,038,649 1,169,713 1,500,96732 72 0 190,176 -190,176 2,360,091 2,151,174 208,917 515,729 1,276,976 1,083,115 1,389,92733 73 0 190,176 -190,176 2,522,542 2,521,588 954 278,433 1,525,360 997,182 1,274,66234 74 0 190,176 -190,176 2,696,548 Lapse Lapse Lapse 1,784,226 912,322 1,155,01235 75 0 190,176 -190,176 2,883,024 2,054,016 829,008 1,030,820

Total 780,000 1,350,880 -570,880

36 76 0 190,176 -190,176 3,082,974 2,335,191 747,783 901,93237 77 0 190,176 -190,176 3,296,602 2,628,232 668,370 833,20038 78 0 190,176 -190,176 3,524,803 2,933,639 591,164 767,40439 79 0 190,176 -190,176 3,768,528 3,251,934 516,594 705,02040 80 0 190,176 -190,176 4,028,782 3,583,661 445,121 646,560

Total 780,000 2,301,760 -1,521,760

41 81 0 190,176 -190,176 4,306,518 3,929,387 377,131 592,45742 82 0 190,176 -190,176 4,602,934 4,289,703 313,231 543,37743 83 0 190,176 -190,176 4,919,205 4,665,224 253,981 499,94144 84 0 190,176 -190,176 5,256,551 5,056,592 199,959 462,78645 85 0 190,176 -190,176 5,616,196 5,464,476 151,720 432,529

Total 780,000 3,252,640 -2,472,640

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46 86 0 190,176 -190,176 5,998,954 5,889,573 109,381 409,32947 87 0 190,176 -190,176 6,406,119 6,332,609 73,511 393,81748 88 0 190,176 -190,176 6,838,775 6,794,340 44,435 386,37349 89 0 190,176 -190,176 7,297,651 7,275,557 22,094 386,97650 90 0 190,176 -190,176 7,784,258 7,777,081 7,177 396,390

Total 780,000 4,203,520 -3,423,520

51 91 0 190,176 -190,176 8,299,836 8,299,770 67 415,05952 92 0 190,176 -190,176 8,852,528 8,844,516 8,013 362,11453 93 0 190,176 -190,176 9,448,070 9,412,250 35,820 319,26254 94 0 190,176 -190,176 10,091,304 10,003,942 87,361 289,18755 95 0 190,176 -190,176 10,787,937 10,620,604 167,333 275,212

Total 780,000 5,154,400 -4,374,400

56 96 0 190,176 -190,176 11,542,792 11,263,290 279,502 279,50257 97 0 0 0 12,350,483 11,738,600 611,883 611,88358 98 0 0 0 13,214,709 12,233,969 980,740 980,74059 99 0 0 0 14,139,427 12,750,243 1,389,184 1,389,18460 100 0 0 0 15,128,872 13,288,303 1,840,569 1,840,569

Total 780,000 5,344,576 -4,564,576

61 101 0 0 0 16,187,574 13,849,070 2,338,504 2,338,50462 102 0 0 0 17,320,380 14,433,500 2,886,880 2,886,88063 103 0 0 0 18,532,479 15,042,594 3,489,885 3,489,88564 104 0 0 0 19,829,420 15,677,391 4,152,028 4,152,02865 105 0 0 0 21,217,142 16,338,977 4,878,165 4,878,165

Total 780,000 5,344,576 -4,564,576

66 106 0 0 0 22,702,000 17,028,482 5,673,517 5,673,51767 107 0 0 0 24,290,792 17,747,084 6,543,708 6,543,70868 108 0 0 0 25,990,795 18,496,011 7,494,784 7,494,78469 109 0 0 0 27,809,793 19,276,543 8,533,250 8,533,25070 110 0 0 0 29,756,115 20,090,013 9,666,102 9,666,102

Total 780,000 5,344,576 -4,564,576

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71 111 0 0 0 31,838,673 20,937,811 10,900,862 10,900,86272 112 0 0 0 34,067,004 21,821,387 12,245,617 12,245,61773 113 0 0 0 36,451,312 22,742,250 13,709,062 13,709,06274 114 0 0 0 39,002,515 23,701,973 15,300,542 15,300,54275 115 0 0 0 41,732,295 24,702,196 17,030,099 17,030,099

Total 780,000 5,344,576 -4,564,576

76 116 0 0 0 44,653,152 25,744,628 18,908,523 18,908,52377 117 0 0 0 47,778,462 26,831,052 20,947,410 20,947,41078 118 0 0 0 51,122,535 27,963,322 23,159,213 23,159,21379 119 0 0 0 54,700,686 29,143,374 25,557,311 25,557,31180 120 0 0 0 58,529,298 30,373,225 28,156,073 28,156,073

Total 780,000 5,344,576 -4,564,576

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Supplemental ReportNationwide YourLife® Indexed ULNationwide Life and Annuity Insurance Company, Columbus, Ohio



Premium Summary


IDBGP: $4,032.00

TP: $10,949.74

MEP: $32,384.00

GAP: $30,000.00

GSP: $139,182.00

MRFISA (Yr 1): $2,562.84

Initial Death Benefit Guarantee Premium (IDBGP): Paying this premium each policy year guarantees that thepolicy will remain in force for 20 years.

Target Premium (TP): This is the premium used in the calculation of producer compensation. This productoffers a commissionable target period of 24 months. This is not available in all states.

Modified Endowment Premium (MEP): As defined by the IRS Code 7702A, this premium represents the levelannual premium required for seven years to mature the policy under guaranteed mortality charges at an annualinterest rate of 4%.

Guideline Annual Premium (GAP): This premium represents the level annual premium required to mature thepolicy under mortality and expense charges, as defined in IRS Code 7702, at an annual interest rate of 4%.

Guideline Single Premium (GSP): This premium represents the single premium required to mature the policyunder mortality and expense charges, as defined in IRS Code 7702, at an annual interest rate of 6%.

Minimum Required Fixed Interest Strategy Allocation (MRFISA): A dollar amount equal to the estimatedMonthly Deductions for a 12 month period, assuming no changes to the policy during that policy year. Thisamount is determined each year and until this requirement is met, no value will be allocated into an IndexedInterest Strategy.

This supplemental report assumes that the currently illustrated nonguaranteed elements will continueunchanged for all years shown. This is not likely to occur, and actual results may be more or less favorablethan those shown.

Please see the basic illustration for further information on the guaranteed elements and other importantinformation.

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Input Summary - LedgerCase File: Jim Kuhlman client

Screen: Insured

Revised Illustration? NoIssue State ORFirst Name ValuedLast Name Client

Sex MaleIssue Age or D.O.B. (mm/dd/yyyy) 40Risk Class Preferred NontobaccoTax Bracket 30%

Screen: Face Amount and Premium

Total Specified Amount Option Minimum Non-MEC From 1 To MaxAdditional Term Rider NoneSection 7702 GPTReduce Specified Amount? NoDeath Benefit Option Optimal SwitchIllustrated Charges CurrentScheduled Premium 30,000.00 From 1 To 11

30,000.00 From 16 To A70Premium Mode Annual

Lump Sum Premium 0Lump Sum Month First Year 11035 Exchange? NoAdvanced Premium Fund NoAvoid MEC YesTarget Cash Value 10,000Target Year A100

Screen: Interest Rate and Income

Premium Allocation Multi: 50% AnnualPt: 50% From: 1Thru: Max

Matured Segment Allocation Reallocate to Matured SegmentStrategy

Fixed Crediting Rate CurrentCurrent Fixed Crediting Rate 4.00%Multi-Index Crediting Rate 7.00% From 1 To MaxAnnual Pt to Pt Crediting Rate 7.00% From 1 To Max

Alternative Loan? YesAlternative Loan Interest Charged 4.22%Distribution Amounts 100,000.00 Borrow From 12 To 15

Solve Borrow From A71 To A96Withdrawal Cap BasisLoan Interest Payment Method BorrowDistribution Mode Monthly

Screen: Riders

Accidental Death Benefit NoChild Term 0Long Term Care Rider NoSpouse Term 0Waiver Rider No

Surrender Value EnhancementBenefit

No

Extended Death Benefit Guarantee NoConditional Return of Premium No

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Screen: Output Design

General Ledger YesAnnual Cost Summary NoInternal Rate of Return YesPremium Summary YesNationwide Financial Strength NoUnderwriting Report NoValue of Life Insurance Report NoOCC Report NoOutlay/Tax Report NoSurrender Charge Report No

Monthly Cost Summary NoMonthly COI Report NoCost and Benefit Report NoNet Cost Per Dollar NoMaturity Extension Report NoA Guarantee in Uncertain Times(EDBG must be selected)

No

UL as a Roth IRA Supplement(Distributions must be illustrated)

No

Insurance Based Retirement Plan No

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Internal Rate of Return


Not valid without compliance ledgers dated 2/6/2013

(1) NET ANNUAL OUTLAY = Annualized Premium + Unscheduled Premium - Partial Surrender - Annual Loan + LoanRepayment + Loan Interest (if paid) - Guideline force out.

(3,5,7) The Internal Rate of Return is the rate at which Outlays up to that year must be compounded each and every yearto generate the Death Benefit, Contract Value or Surrender Value.

Contract values are based on current cost of insurance and the current rate of return. These rates are 8.30% (Multi-Index)and 7.00% (Fixed).

This supplemental report assumes that the currently illustrated nonguaranteed elements will continue unchanged for allyears shown. This is not likely to occur, and actual results may be more or less favorable than those shown.

Please see the basic illustration for further information on the guaranteed elements and other important information.

(1) (2) (3) (4) (5) (6) (7)Net IRR On Cash IRR On IRR On

Policy Annual Contract Contract Surrender Surrender Death DeathYear Age Outlay Value Value Value Value Benefit Benefit

1 41 30,000 25,693 -14.36% 8,058 -73.14% 827,872 2659.57%2 42 30,000 53,106 -7.87% 36,287 -29.19% 855,285 386.28%3 43 30,000 82,353 -4.37% 66,389 -14.46% 884,532 169.33%4 44 30,000 113,584 -2.19% 98,516 -7.74% 915,763 101.07%5 45 30,000 146,981 -0.68% 132,854 -4.02% 949,160 69.44%

6 46 30,000 182,668 0.42% 169,527 -1.71% 984,847 51.70%7 47 30,000 220,796 1.25% 208,691 -0.16% 1,022,975 40.56%8 48 30,000 261,534 1.91% 250,516 0.95% 1,063,713 33.02%9 49 30,000 304,995 2.43% 295,121 1.77% 1,107,174 27.64%

10 50 30,000 351,413 2.86% 342,742 2.41% 1,153,592 23.65%

11 51 30,000 401,082 3.22% 393,677 2.91% 1,203,261 20.60%12 52 -100,000 425,953 6.76% 317,607 3.46% 1,125,860 18.49%13 53 -100,000 452,432 8.96% 238,901 3.88% 1,045,753 16.93%14 54 -100,000 480,685 10.45% 157,544 4.24% 962,920 15.76%15 55 -100,000 510,835 11.51% 73,477 4.58% 877,297 14.86%

16 56 30,000 572,687 11.22% 118,583 4.81% 920,762 14.06%17 57 30,000 638,784 10.95% 165,516 5.00% 967,695 13.36%18 58 30,000 709,419 10.71% 216,180 5.20% 1,018,359 12.74%19 59 30,000 784,927 10.48% 270,873 5.39% 1,073,052 12.19%20 60 30,000 865,587 10.27% 329,840 5.56% 1,051,359 11.31%

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21 61 30,000 952,106 10.09% 393,751 5.73% 1,028,750 10.49%22 62 30,000 1,044,941 9.91% 463,023 5.89% 1,005,187 9.72%23 63 30,000 1,144,542 9.76% 538,067 6.04% 980,630 8.99%24 64 30,000 1,251,463 9.61% 619,394 6.18% 955,037 8.30%25 65 30,000 1,365,906 9.48% 707,165 6.30% 1,007,664 8.02%

26 66 30,000 1,488,220 9.35% 801,680 6.41% 1,099,324 7.93%27 67 30,000 1,618,885 9.24% 903,373 6.51% 1,210,961 7.90%28 68 30,000 1,758,437 9.13% 1,012,729 6.60% 1,329,248 7.87%29 69 30,000 1,907,461 9.03% 1,130,285 6.68% 1,454,554 7.83%30 70 30,000 2,066,585 8.94% 1,256,612 6.75% 1,587,265 7.79%

31 71 -190,176 2,208,362 9.23% 1,169,713 6.85% 1,500,967 7.78%32 72 -190,176 2,360,091 9.46% 1,083,115 6.95% 1,389,927 7.73%33 73 -190,176 2,522,542 9.64% 997,182 7.06% 1,274,662 7.69%34 74 -190,176 2,696,548 9.78% 912,322 7.17% 1,155,012 7.67%35 75 -190,176 2,883,024 9.90% 829,008 7.28% 1,030,820 7.65%

36 76 -190,176 3,082,974 9.99% 747,783 7.39% 901,932 7.65%37 77 -190,176 3,296,602 10.07% 668,370 7.50% 833,200 7.75%38 78 -190,176 3,524,803 10.13% 591,164 7.61% 767,404 7.84%39 79 -190,176 3,768,528 10.18% 516,594 7.72% 705,020 7.94%40 80 -190,176 4,028,782 10.22% 445,121 7.82% 646,560 8.03%

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41 81 -190,176 4,306,518 10.25% 377,131 7.92% 592,457 8.12%42 82 -190,176 4,602,934 10.27% 313,231 8.02% 543,377 8.21%43 83 -190,176 4,919,205 10.29% 253,981 8.11% 499,941 8.29%44 84 -190,176 5,256,551 10.30% 199,959 8.20% 462,786 8.37%45 85 -190,176 5,616,196 10.31% 151,720 8.29% 432,529 8.45%

46 86 -190,176 5,998,954 10.31% 109,381 8.37% 409,329 8.53%47 87 -190,176 6,406,119 10.31% 73,511 8.45% 393,817 8.60%48 88 -190,176 6,838,775 10.31% 44,435 8.52% 386,373 8.66%49 89 -190,176 7,297,651 10.30% 22,094 8.59% 386,976 8.72%50 90 -190,176 7,784,258 10.29% 7,177 8.66% 396,390 8.78%

51 91 -190,176 8,299,836 10.28% 67 8.72% 415,059 8.83%52 92 -190,176 8,852,528 10.27% 8,013 8.77% 362,114 8.86%53 93 -190,176 9,448,070 10.26% 35,820 8.83% 319,262 8.89%54 94 -190,176 10,091,304 10.25% 87,361 8.88% 289,187 8.92%55 95 -190,176 10,787,937 10.24% 167,333 8.94% 275,212 8.96%

56 96 -190,176 11,542,792 10.23% 279,502 8.99% 279,502 8.99%57 97 0 12,350,483 10.20% 611,883 9.03% 611,883 9.03%58 98 0 13,214,709 10.18% 980,740 9.07% 980,740 9.07%59 99 0 14,139,427 10.15% 1,389,184 9.11% 1,389,184 9.11%60 100 0 15,128,872 10.13% 1,840,569 9.15% 1,840,569 9.15%

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61 101 0 16,187,574 10.10% 2,338,504 9.18% 2,338,504 9.18%62 102 0 17,320,380 10.08% 2,886,880 9.20% 2,886,880 9.20%63 103 0 18,532,479 10.06% 3,489,885 9.23% 3,489,885 9.23%64 104 0 19,829,420 10.04% 4,152,028 9.25% 4,152,028 9.25%65 105 0 21,217,142 10.02% 4,878,165 9.27% 4,878,165 9.27%

66 106 0 22,702,000 9.99% 5,673,517 9.29% 5,673,517 9.29%67 107 0 24,290,792 9.97% 6,543,708 9.31% 6,543,708 9.31%68 108 0 25,990,795 9.96% 7,494,784 9.32% 7,494,784 9.32%69 109 0 27,809,793 9.94% 8,533,250 9.34% 8,533,250 9.34%70 110 0 29,756,115 9.92% 9,666,102 9.35% 9,666,102 9.35%

71 111 0 31,838,673 9.90% 10,900,862 9.36% 10,900,862 9.36%72 112 0 34,067,004 9.88% 12,245,617 9.37% 12,245,617 9.37%73 113 0 36,451,312 9.87% 13,709,062 9.38% 13,709,062 9.38%74 114 0 39,002,515 9.85% 15,300,542 9.39% 15,300,542 9.39%75 115 0 41,732,295 9.83% 17,030,099 9.39% 17,030,099 9.39%

76 116 0 44,653,152 9.82% 18,908,523 9.40% 18,908,523 9.40%77 117 0 47,778,462 9.80% 20,947,410 9.40% 20,947,410 9.40%78 118 0 51,122,535 9.79% 23,159,213 9.41% 23,159,213 9.41%79 119 0 54,700,686 9.77% 25,557,311 9.41% 25,557,311 9.41%80 120 0 58,529,298 9.76% 28,156,073 9.41% 28,156,073 9.41%

page 28 of 28

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Overloan Lapse Protection Rider Analysis


Using your Nationwide YourLife Indexed UL policy for both protection and income is a strong combination. But,if you take income via Loans on your policy and it lapses, the outstanding Loan balance may be subject totaxation. The Overloan Lapse Protection Rider helps protect heavily loaned policies from lapsing, avoiding thispotential tax consequence.

How does it work?

• The rider is automatically added to your policy when it is issued, but there is no charge until you choose toinvoke it.

• Proceed with the policy as planned.• When the policy becomes heavily loaned and meets other requirements (specified below), a notification will

be sent that the Overloan Lapse Protection Rider can be invoked.• Once the rider is invoked, a charge will be taken from the policy's accumulated value to cover the cost of

this rider. If the non-loaned cash value is not adequate to cover the rider charge, a Loan repayment may berequired prior to invocation.

• Your policy's death benefit option and/or specified amount may be adjusted.• All non-loaned values in the variable sub-accounts will be transferred to the fixed account where values will

continue to grow at a guaranteed rate of 2.00%.• Make no more premium payments and take no more Loans. Your policy will provide a minimum paid-up

death benefit.

Requirements for Invoking the Overloan Lapse Protection RiderTo invoke the rider, the policy must meet all of the following requirements:

• The policy has reached its 15th anniversary.• The insured is at least age 75.• The accumulated value is at least $100,000.• All amounts required to be withdrawn so that the policy continues to qualify as life insurance under Section

7702 of the Internal Revenue Code must be taken as Partial Surrenders.• The policy is issued under the guideline premium/cash value corridor test of section 7702 of the Internal

Revenue Code.• The indebtedness becomes more than a certain percentage of the policy's cash value. This percentage is

called the 'trigger point' and varies by the insured's attained age:

Ages Trigger Point

75-83 95%

84-88 96%

89-91 97%

92-94 98%

95+ 99%

Please note that the Overloan Lapse Protection Rider may have some effect on other riders issued on yourpolicy.

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