Nationwide: April 2020 Life Insurance Product Changes

Nationwide® is committed to carefully managing our life product portfolio to remain the strong, stable carrier you can rely on. To keep this commitment – and in response to the extremely low interest rate environment and unprecedented volatility in the markets – we are repricing our No-Lapse Guarantee (NLG) UL product and adjusting the fixed account rate, maximum face amount and upper age limit on select products.

Change in Maximum Issue Age for CareMatters® effective April 3, 2020 Beginning April 3, 2020, the maximum issue age will be 69 for all versions of Nationwide CareMatters. To be issued for the older (previous) ages:

The applications must be signed, in good order and received at Nationwide by April 17, 2020.

The policy must be funded and in-force by May 29, 2020. CareMatters issue ages are shown below.

Nationwide CareMatters® II (All states except CA and NY)

All benefit periods:

• Single, 5, and 10-pay = ages 30-69

No maximum age changes:

• Pay to Attained Age 65 = ages 30-54

• Pay to Attained Age 100 = ages 30-65

Nationwide YourLife CareMatters® California

All benefit periods and payment options = ages 40-69

Nationwide YourLife CareMatters® New York

5 and 10-Pay Options

• All benefit periods = ages 40-69

No max age change on single pay options:

• 2 and 3-year benefit period = ages 40-69

• 4, 5, 6, and 7-year benefit periods = 40-67