Your

trusted
life insurance
partner
Nationwide is
Nationwide® is a Fortune 100 company with on your side
nearly a century of innovation and leadership.
As a mutual company, we don’t answer to Wall Street
or shareholders; we answer to our policyholders.

That’s the value of having Nationwide on your side.

We’re here to stay.

Throughout many industry changes, we remain committed to protecting our members when
it matters most. We have the capital and liquidity needed to keep our promises to members,
now and in the future.

We protect people, businesses and futures with extraordinary care.

When you choose Nationwide, you get more than a policy. We put our members first and strive to
deliver personalized experiences through:
• Genuine values, showing we are dedicated to sound risk management, stability and consistency
• Committed partnerships that demonstrate how we value relationships with our members
and partners
• An adaptable suite of products that we price responsibly, with no hidden charges
• Accessible services and support, which make it easy for you to get information when you need it

Our experience, integrity and capital strength ensure that you have a long-term partner invested in your future.

Nearly
566% A+ A1 A+ 2023
90 Our risk-based AM Best Moody’s Standard America’s
years capital ratio & Poor’s Best Insurance
Companies
in the life as of 12/31/22 Financial Credit risk Credit risk
insurance strength rating2 rating3 2023 award list
industry rating1 Forbes/
Statista4

1
Received: 10/17/02, Affirmed: 12/1/22. AM Best Credit Report — Nationwide Mutual Group Core Subsidiaries ‘A+’ Ratings Affirmed; Outlook Stable (Dec. 1, 2022).
2
Received: 3/10/09, Affirmed: 5/27/20. Comparisons between NAIC and Moody’s designations are published by the National Association of Insurance Commissioners.
If no Moody’s rating is available, Nationwide assigns internal ratings corresponding to public ratings.
3
Received: 12/22/08, Affirmed: 4/19/22.
4
2023 America’s Best Insurance Companies, Forbes/Statista (2023)
A history of growth
Nationwide’s strong balance sheet and diversified portfolio, combined with a long history of
managing challenging markets, mean you can count on us to help you navigate unprecedented
times and evolve with your needs.

Launched fee-based variable universal life

2022 product for RIAs, the first of its kind

We’re continuing
Added chronic and critical illness benefits to most
to branch out 2021 products to help customers face the unexpected
into the future.
Invested in digital capabilities to make it easier
to apply for and manage policies online
2020
Contributed $5 million locally and nationally
to support pandemic response efforts

Launched the first long-term care linked-

2013 benefit solution with indemnity benefits

Began offering indexed universal life (IUL)

2011 to meet emerging needs and risk profiles

Survived the financial crisis

2008 without government relief

To help people age with dignity and choices,

We’ve stood
1999 began offering long-term care solutions
strong, innovated
and adapted. Emerged as an industry leader in
1995 variable universal life (VUL)

Our commitment to
1935 Entered life insurance industry

the industry goes

back to our roots. 1926 Founded as a mutual company

We see a bright future ahead together.

We’ve never increased cost of insurance rates on a policy
once it was purchased, and our suite of products will remain To learn more, contact
your financial professional
consistent, so you can feel confident in investing in your future.
or visit nationwide.com.

This material is not a recommendation to buy or sell a financial product or to adopt an investment strategy. Investors should discuss their specific situation with their
financial professional.
These ratings and rankings reflect rating agency assessment of the financial strength and claims-paying ability of Nationwide Life Insurance Company and are subject to
change at any time. 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 updated only when there’s a change in the ratings, the dates above reflect the most recent ratings we have received.
Risk Based Capital (RBC) is a method of measuring the minimum amount of capital to support an insurance company’s overall business operations. Nationwide’s RBC ratio
is provided for informational purposes only and is in no way meant to act as a comparison to any other financial data published by Nationwide. It is also not intended to
reflect any comparison or ranking related to similar financial information provided by other entities. This ratio can change at any time due to economic and other factors
either foreseen or unforeseen. The RBC is reflective of operational results, budgeting and other projections of Nationwide. These forward-looking statements involve certain
risks and uncertainties. Additional factors may cause actual results to differ materially from those contemplated or projected, forecast, estimated or budgeted.
Products are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio. The general distributor for variable
products is Nationwide Investment Services Corporation, member FINRA, Columbus, Ohio. Nationwide, the Nationwide N and Eagle and Nationwide is on your side are
service marks of Nationwide Mutual Insurance Company. Third-party marks are the property of their respective owners. © 2023 Nationwide
LAM-4315AO.2 (03/23)