Nationwide® IUL, SIUL and VUL cap and spread rate changes
Effective November 15, 2020
Nationwide is committed to carefully managing our life product portfolio to remain the strong, stable carrier
insurance professionals and their clients can rely on. To keep that commitment, and in response to the
volatile markets and continued low interest rate environment, we are making cap and spread rate changes to
the products listed below.
Important date: Nov. 15, 2020 — Segments created on this date or later will receive the new cap and spread
rates at maturity.