WIXLIB

Nonmedical requirementsClient direct interview inspectionsIssue ageSpecified amount18 – 70 10,000,001 or more71 – 80 500,000 or more81 All specified amountsA client direct interview (CDI) is conducted over the phone by a specially trained associatewho contacts the customer directly to gather the additional information we need.Financial supplementsPersonal life financialsupplementAges 18 – 70 and amounts of 2,000,001 – 10,000,0005Ages 71 and amounts of 100,001 – 10,000,0005Business life financialsupplementAmounts of 500,001 or more5Third-party financialsAll ages and amounts of 10,000,001 or more5We reserve the right to request additional financial information if the applicant is outsideof these parameters. For example, we may ask the applicant to fill out IRS Form 4506-T:Request for Transcript of Tax Return or provide copies of financial statements that validateassets and/or net worth so that we can verify the income stated on the life application.The applicant completes a one-page authorization form during the application process.Our underwriting department submits it to the IRS, and we receive the transcript withinabout 48 hours.Reinsurance automatic and jumbo limitsLarge and complex cases can be difficult to manage, but we stand ready to make themeasier for you with our automatic binding and jumbo limits.Automatic binding limits5Jumbo limitsIndividual and survivorship life casesIndividual productsIssue agesStandard — Table CIssue agesJumbo limitIssue agesJumbo limit0 – 24 25,000,0000 – 24 30,000,000All ages 65,000,00025 – 70 50,000,00025 – 75 65,000,00071 – 75 15,000,00076 – 80 35,000,00076 – 80 5,000,00081 15,000,00081 1,000,000Survivorship products his amount is equal to the amount of insurance applied for currently with Nationwide, plus any amount placed in force in the past three yearsTwith Nationwide.Note: Nationwide respects the information and privacy of its members and those applying to become a member. As a result, any informationprovided, financial or otherwise, will not be shared with outside sources. Any information obtained will be used solely to determine eligibilityregarding the specific products, coverage amounts or riders applied for.8Call us directly at 1-866-678-LIFE (5433).FOR INSURANCE PROFESSIONAL USE ONLY — NOT FOR DISTRIBUTION TO THE PUBLIC

Financial underwriting requirementsIncome replacementAgeMultiply annual earnedincome by:20 – 3030x31 – 4025x41 – 5020xEstate protection51 – 6015xWe base coverage levels for estate protection on applicablestate and federal estate and inheritance taxes. At rates of55% and higher, you may calculate the amount of insurancenecessary using reasonable estate growth projections:61 – 7010x71 5xAs you help your clients select the life insurance that meetstheir needs, you may have questions about typical coverageamounts. Use our guidelines for some common life insurancescenarios to help answer them. Please keep in mind, though,that we may consider your clients for amounts outside theseguidelines on an individual basis. Also, remember that wereserve the right to adjust these guidelines at any time. Time horizons of up to 15 years (or your client’s life expectancy if it’s less) Current interest rates of up to 6%Keep in mind, however, that you should value all estate assets on a current ornear-current basis for older clients.JuvenileFor individual juvenile coverage, ages 15 days through 17 years, the maximum amount of coverage maynot exceed the amount of life coverage in force on the parent or legal guardian up to a maximum of 1million⁶ for all states except Washington and New York. Washington and New York laws limit the amount ofcoverage on juveniles as follows:Washington state: The life coverage may not exceed the household incomeNew York state: Ages under 4½ years — The maximum life coverage may not exceed the greater of 50,000 or 25% ofthe amount of insurance in force on the parent/owner Ages 4½ years to 17 years — The maximum life coverage may not exceed the greater of 50,000 or50% of the amount in force on the parent/ownerThe owner of the policy must be a parent, legal guardian, grandparent or noncustodial parent. Parents orguardians who have legal custody must complete and sign the application.⁷Key personFor key person protection, the maximum amount of coverage is typically five to 10 times the individual’sannual salary. We may consider a higher amount if you attach a full explanation of the need. Additionalinformation you may want to include is the business’s net worth, the proposed insured’s monetarycontribution to the business and the in-force coverage on other key personnel.Buy/sell agreementsImportant partners or shareholders should be insured based on their relative worth to the business. Ofcourse, the overall value for all insureds must be realistic in relation to their respective roles and percentage ofownership of the business. We’ll base the amount of insurance coverage on the reasonable appraised value ofthe business and the proposed insured’s share of it. Typically, the amount of coverage for operating entities isup to 10 times the net income amount.67 Amounts over 1 million in all states except Washington and New York will be considered on an individual basis.If the face amount is 25,000 or less and the grandparent has custody of the child, the signature of the parent is not required.Call us directly at 1-866-678-LIFE (5433).FOR INSURANCE PROFESSIONAL USE ONLY — NOT FOR DISTRIBUTION TO THE PUBLIC9

Factors and conditionsWe consider the following conditions and factors when evaluating each proposed insured. As you reviewthis list, remember that it’s just a quick reference and does not include everything that could affect ourfinal underwriting decision. Also, some rated classifications may qualify for the Placement ImprovementProgram (depending on the product) so please contact your underwriter for more details.Preferred guidelines for all products except Nationwide No-LapseGuarantee UL II, Nationwide Indexed UL Accumulator II and NationwideIndexed UL Protector IIPreferred Plus/Preferred risk guidelinesAges 18 – 70CriteriaNontobacco Preferred PlusNontobacco PreferredTobacco PreferredNicotine/tobaccouseNo use within past 5 yearsNo use within past 12 monthsUse within past 12 monthsBlood pressurereadingsAge 55 Not to exceed 140/80Age 55 Not to exceed 140/90Age 55 Not to exceed 145/90Age 55 Not to exceed 150/90Blood pressuretreatmentNo blood pressure treatmentTreated blood pressure acceptable if well controlled for at least one yearTotal cholesterol& HDL ratioTreated cholesterol acceptable 230 and 5.0 240 and 4.5 250 and 4.0Treated cholesterol acceptable 250 and 5.5 ages 60 and under 280 and 6.0 ages 61 to 70Moving violations 1 in the past 2 years 2 in the past 3 yearsDUI/DWINo DUI/DWI conviction in the past 5 yearsDrug/alcoholabuseNo history of abuseFamily historyNo death due to cardiovascular disease or cancer in either parent or sibling prior to age 60FelonyconvictionNo history of felony convictionAviation No rating for aviationNo history of abuse within 10 years C ivil aviation exclusion can be used (if available in state in which application was signed),with possible consideration for Preferred and Preferred Plus if rest of case qualifies Any aviation risk (excluding commercial pilots), even if no rating, is not eligible for Preferred PlusAvocation No rating for hazardous avocation risk Any hazardous avocation risk, even if no rating, is not eligible for Preferred Plus (excluding scuba diving)10Foreign travelNo rating for foreign travel/residence risksPersonal historyNo history of coronary artery disease, diabetes, stroke or cancer (except basal cell skin cancer)BuildSee build chartCall us directly at 1-866-678-LIFE (5433).FOR INSURANCE PROFESSIONAL USE ONLY — NOT FOR DISTRIBUTION TO THE PUBLIC

Preferred guidelines for all products except Nationwide No-LapseGuarantee UL II, Nationwide Indexed UL Accumulator II and NationwideIndexed UL Protector IIPreferred Plus/Preferred risk guidelinesAges 71 and olderCriteriaNontobacco Preferred PlusNontobacco PreferredTobacco PreferredNicotine/tobaccouseNo use within past 5 yearsNo use within past 12 monthsUse within past 12 monthsBlood pressurereadingsNot to exceed 140/90Not to exceed 150/90Blood pressuretreatmentNo blood pressure treatmentTreated blood pressure acceptable if well controlled for at least one yearTotal cholesterol& HDL ratioTreated cholesterol acceptable 270 and 4.5Must be 160 unless treatedTreated cholesterol acceptable 280 and 6.5Must be 160 unless treatedSerum albumin 4.2 4.0FunctionalHas the ability to perform allactivities of daily living andinstrumental activities of daily livingHas the ability to perform all activities of daily living and instrumentalactivities of daily livingCognitiveNo evidence of impairmentby testingNo evidence of impairment by testingMoving violations 1 in the past 2 years 2 in the past 3 yearsDUI/DWINo DUI/DWI conviction in the past 5 yearsDrug/alcoholabuseNo history of abuseFelonyconvictionNo history of felony convictionAviation No rating for aviationNo history of abuse within 10 years C ivil aviation exclusion can be used (if available in state in which application was signed), with possibleconsideration for Preferred and Preferred Plus if rest of case qualifies Any aviation risk (excluding commercial pilots), even if no rating, is not eligible for Preferred PlusAvocation No rating for hazardous avocation risk Any hazardous avocation risk, even if no rating, is not eligible for Preferred Plus (excluding scuba diving)Foreign travelNo rating for foreign travel/residence risksPersonal historyNo history of coronary artery disease, diabetes, stroke or cancer (except basal cell skin cancer)BuildSee build chartCall us directly at 1-866-678-LIFE (5433).FOR INSURANCE PROFESSIONAL USE ONLY — NOT FOR DISTRIBUTION TO THE PUBLIC11

Adult build chartFor all products except Nationwide No-Lapse Guarantee UL II, Nationwide Indexed ULAccumulator II and Nationwide Indexed UL Protector IIHeight12PreferredStandardPlusPreferred or betterTable BTable CTable DTable ETable FTable HTable JTable LDecline4'9"140149177 or less178 – 182183 – 191192 – 196197 – 200201 – 208209 – 214215 – 219220 – 224225 4'10"144153184 or less185 – 188189 – 198199 – 203204 – 208209 – 214215 – 222223 – 227228 – 232233 4'11"148157190 or less191 – 195196 – 205206 – 210211 – 215216 – 223224 – 230231 – 235236 – 240241 5'0"152161197 or less198 – 202203 – 212213 – 217218 – 222223 – 229230 – 238239 – 243244 – 248249 5'1"156165203 or less204 – 209210 – 219220 – 224225 – 230231 – 237238 – 246247 – 251252 – 256257 5'2"161170210 or less211 – 215216 – 226227 – 232233 – 237238 – 245246 – 254255 – 259260 – 265266 5'3"166175217 or less218 – 222223 – 234235 – 239240 – 245246 – 253254 – 262263 – 268269 – 272273 5'4"171180224 or less225 – 230231 – 241242 – 247248 – 253254 – 262263 – 270271 – 276277 – 282283 5'5"175185231 or less232 – 237238 – 249250 – 255256 – 261262 – 268269 – 279280 – 285286 – 291292 5'6"180190238 or less239 – 244245 – 257258 – 263264 – 269270 – 278279 – 288289 – 294295 – 300301 5'7"185195245 or less246 – 252253 – 264265 – 271272 – 277278 – 287288 – 296297 – 303304 – 309310 5'8"190200253 or less254 – 259260 – 272273 – 279280 – 286287 – 295296 – 305306 – 312313 – 318319 5'9"195205260 or less261 – 267268 – 280281 – 287288 – 294295 – 304305 – 314315 – 321322 – 328329 5'10"200210268 or less269 – 275276 – 289290 – 296297 – 303304 – 312313 – 324325 – 331332 – 337338 5'11"205216276 or less277 – 283284 – 297298 – 304305 – 311312 – 322323 – 333334 – 340341 – 347348 6'0"211222283 or less284 – 291292 – 305306 – 313314 – 320321 – 334335 – 342343 – 350351 – 357358 6'1"218229291 or less292 – 299300 – 314315 – 322323 – 329330 – 340341 – 352353 – 359360 – 367368 6'2"224236299 or less300 – 307308 – 323324 – 330331 – 338339 – 350351 – 362363 – 369370 – 377378 6'3"231243307 or less308 – 315316 – 331332 – 339340 – 347348 – 359360 – 371372 – 379380 – 387388 6'4"238250316 or less317 – 324325 – 340341 – 349350 – 357358 – 369370 – 381382 – 390391 – 398399 6'5"244257324 or less325 – 333334 – 349350 – 358359 – 366367 – 379380 – 392393 – 400401 – 408409 6'6"251264333 or less334 – 341342 – 360361 – 367368 – 376377 – 389390 – 402403 – 410411 – 419420 6'7"258272341 or less342 – 350351 – 368369 – 377378 – 386387 – 398399 – 412413 – 421422 – 430431 6'8"266280350 or less351 – 359360 – 377378 – 386387 – 395396 – 409410 – 423424 – 432433 – 441442 6'9"274288359 or less360 – 368369 – 387388 – 396397 – 405406 – 419420 – 433434 – 443444 – 452453 Call us directly at 1-866-678-LIFE (5433).FOR INSURANCE PROFESSIONAL USE ONLY — NOT FOR DISTRIBUTION TO THE PUBLIC

Preferred risk guidelines for Nationwide No-Lapse Guarantee UL II,Nationwide Indexed UL Accumulator II and Nationwide Indexed ULProtector II onlyPreferred Plus/Preferred/Standard Plus risk guidelinesAges 18 – 70NontobaccoPreferredTobaccoPreferredNo use within past 5 yearsNo use withinpast 24 monthsUse within past12 monthsBlood pressurereadingsAge 55 Not to exceed 140/80Age 55 Not to exceed 140/90Age 55 Not to exceed 145/90Age 55 Not to exceed 150/90Age 55 Not to exceed 145/90Age 55 Not to exceed 150/90Blood pressuretreatmentNo blood pressure treatmentTreated blood pressureacceptable if well controlled for atleast one yearTreated blood pressureacceptable if well controlledfor at least one yearTotal cholesterol& HDL ratioTreated cholesterol acceptable 230 and 5.0 240 and 4.5 250 and 4.0Treated cholesterol acceptable 250 and 5.5 ages 60 280 and 6.0 ages 61 to 70Treated cholesterol acceptable 300 and 6.5 ages 60 and under 300 and 7.0 ages 61 to 70Movingviolations 1 in the past 3 years 2 in the past 3 yearsNo ratingDUI/DWINo conviction in the past 5 yearsNo conviction in the past 5 yearsNo conviction in the past 3 yearsfor ages 21, otherwise no ratingDrug/alcoholabuseNo history of abuseNo history of abuse within10 yearsNo history of abuse within7 years, otherwise no ratingFamily historyNo death prior to age 60 in parentor sibling from cardiovasculardisease or cancerNo death prior to age 60 in parentor sibling from cardiovasculardisease or cancer1 death prior to age 60 acceptablein parent or sibling fromcardiovascular disease or cancerPersonal historyNo history of coronary artery disease, diabetes mellitus, stroke or cancer(except basal cell skin cancer)FelonyconvictionNo history of felony convictionNo history of felony convictionNo felony conviction 10 yearsAviationCommercial pilots eligible if noother forms of aviation activity; allother forms of aviation areineligibleCommercial pilots eligible if noother forms of rated aviationactivity; all other nonratedaviation eligibleCommercial pilots eligible if noother forms of rated aviationactivity; all other nonratedaviation eligibleAvocationHazardous avocation risks arenot eligible (except nonrated scubadiving)Nonrated avocations eligibleNonrated avocations eligibleForeign travelNo rating for travel/residence risksBuildSee build chartCriteriaNontobacco Preferred PlusNicotine/tobacco useNontobacco Standard PlusNo use within past 12 months No history of coronary arterydisease or stroke Diabetes acceptable, no ratings Cancer history, treatmentcompleted 10 years, no ratingsCall us directly at 1-866-678-LIFE (5433).FOR INSURANCE PROFESSIONAL USE ONLY — NOT FOR DISTRIBUTION TO THE PUBLIC13

Preferred risk guidelines for Nationwide No-Lapse Guarantee UL II,Nationwide Indexed UL Accumulator II and Nationwide Indexed ULProtector II onlyPreferred Plus/Preferred/Standard Plus risk guidelinesAges 71 and older14NontobaccoPreferredTobaccoPreferredNo use within past 5 yearsNo use withinpast 24 monthsUse withinpast 12 monthsBlood pressurereadingsNot to exceed 140/90Not to exceed 150/90Not to exceed 150/90Blood pressuretreatmentNo blood pressure treatmentTreated blood pressureacceptable if well controlled forat least one yearTreated blood pressureacceptable if well controlledfor at least one yearTotal cholesterol& HDL ratioTreated cholesterol acceptable 270 and 4.5Must be 160 unless treatedTreated cholesterol acceptable 280 and 6.5Must be 160 unless treatedTreated cholesterol acceptable 330 and 7.5Must be 160 unless treatedSerum Albumin 4.2 4.0 3.8Personal historyNo history of cardiovascular disease, diabetes mellitus, stroke or cancer(except basal cell skin cancer)FunctionalHas the ability to perform all activities of daily living and instrumental activities of daily livingCognitiveNo evidence of impairment by testingMovingviolations 1 in the past 3 years 2 in the past 3 yearsNo ratingDUI/DWINo conviction in the past 5 yearsNo conviction in the past 5 yearsNo conviction in the past 3 years,otherwise no ratingDrug/alcoholabuseNo history of abuseNo history of abuse within10 yearsNo history of abuse within 7 years,otherwise no ratingFelonyconvictionNo history of felony convictionNo history of felony convictionNo felony conviction 10 yearsAviationCommercial pilots eligible if noother forms of aviation activity; allother forms of aviation areineligibleCommercial pilots eligible if noother forms of rated aviationactivity; all other nonratedaviation eligibleCommercial pilots eligible if noother forms of rated aviationactivity; all other nonrated aviationeligibleAvocationHazardous avocation risks arenot eligible (except nonrated scubadiving)Nonrated avocations eligibleNonrated avocations eligibleForeign travelNo rating for travel/residence risksBuildSee build chartCriteriaNontobacco Preferred PlusNicotine/tobacco useNontobacco Standard PlusNo use within past 12 months No history of coronary arterydisease or stroke Diabetes acceptable, no ratings Cancer history of cardiovasculardisease or stroke, treatmentcompleted 10 years, no ratingsCall us directly at 1-866-678-LIFE (5433).FOR INSURANCE PROFESSIONAL USE ONLY — NOT FOR DISTRIBUTION TO THE PUBLIC

Adult build chartNationwide No-Lapse Guarantee Universal Life II, Nationwide Indexed UL AccumulatorII and Nationwide Indexed UL Protector II onlyHeightPreferredStandard StandardPlusPreferredPlusor betterTable BTable CTable DTable ETable FTable HTable JTable L Decline4'9"140149154177 or less 178 – 182 183 – 191 192 – 196 197 – 200 201 – 208 209 – 214 215 – 219 220 – 224 225 4'10"144153160184 or less 185 – 188 189 – 198 199 – 203 204 – 208 209 – 214 215 – 222 223 – 227 228 – 232233 4'11"148157165190 or less 191 – 195 196 – 205 206 – 210 211 – 215 216 – 223 224 – 230 231 – 235 236 – 240241 5'0"152161171197 or less 198 – 202 203 – 212 213 – 217 218 – 222 223 – 229 230 – 238 239 – 243 244 – 248 249 5'1"156165177203 or less 204 – 209 210 – 219 220 – 224 225 – 230 231 – 237 238 – 246 247 – 251 252 – 2565'3"161170183210 or less 211 – 215 216 – 226 227 – 232 233 – 237 238 – 245 246 – 254 255 – 259 260 – 265 266 5'3"166175189217 or less 218 – 222 223 – 234 235 – 239 240 – 245 246 – 253 254 – 262 263 – 268 269 – 272273 5'4"171180195224 or less 225 – 230 231 – 241 242 – 247 2

Nationwide life insurance FOR INSURANCE PROFESSIONAL USE ONLY — NOT FOR DISTRIBUTION TO THE PUBLIC Get your case off . 0 - 24,999 N/A Urine HIV, Rx check Urine HIV, Rx check Paramed, Urine HIV, Rx check Paramed, BCP, HOS, Rx check Paramed, BCP, HOS, MVR, APS, Rx check Paramed, BCP, HOS,