Designed for
stability and growth

Receive the highest available participation rate for 5 years, guaranteed, with the High Par 5 Strategy.

Participation rates in an indexed universal life (IUL) policy matter. It’s the percentage of the index performance used to calculate the interest applied to your policy. A higher participation rate may increase growth potential when the underlying index increases. With the High Par 5 Strategy, you can count on a guaranteed participation rate for 5 years—with the opportunity for even more growth potential along the way.

Stable participation rates locked for 5 years

Each new premium allocated to this strategy will receive an annual participation rate that is locked in for five years (the rate lock period). During this period, the locked-in participation rate is guaranteed to never be less than the locked-in rate.

“Better of” rate guarantee for greater growth potential

During the rate lock period, if the corresponding 1-year indexed interest strategy participation rate is higher than the High Par 5 Strategy locked-in rate at the beginning of any 1-year segment, you are guaranteed to automatically receive the higher rate for that segment.

Available for all new premiums for the life of the policy

The High Par 5 Strategy is available for all new premiums—even premiums received 10, 20 or more years into the policy.

High Par 5 strategy options

S&P 500^® Distance Stabilizer Index
Aims to track the S&P 500® while offering more stable cap and participation rates compared to traditional S&P 500 strategies.

SG Macro Compass Index
A next-generation global index designed to provide stable and consistent returns through up, down or sideways economies.

Goldman Sachs New Horizons Index
Provides a Global Core Strategy and an Alternative Strategy designed to potentially increase returns while improving diversification.

Additional details

Dollar cost averaging, a service available at no charge to systematically move a portion of new premiums from the fixed account into an indexed interest strategy, also qualifies for the High Par 5 strategy.
Any money allocated to a High Par 5 segment can be reallocated to a different indexed interest strategy in the policy at any 1-year segment maturity.
At the end of each five-year period, the cash value in the High Par 5 strategy will automatically reallocate to the corresponding 1-year indexed interest strategy unless you have other maturity allocations.

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.

The information contained herein was prepared to support the promotion, marketing and/or sale of life insurance contracts and/or other products and services provided by Nationwide Life and Annuity Insurance Company. This policy allows for flexible premium payments, but it’s important to adequately fund it to keep it in force and to help meet your needs and those of your beneficiaries,

Indexed universal life insurance policies are not stock market investments, do not directly participate in any stock or equity investments, and do not receive dividends or participate in capital gains. Past index performance is no indication of future crediting rates. Also, be aware that interest crediting fluctuations can lead to the need for payment of additional premiums.

Be sure to choose a product that meets long-term life insurance needs, especially if personal situations change – for example, marriage, birth of a child or job promotion. Weigh the costs of the policy, and understand that life insurance has fees and charges that vary with sex, health, age and tobacco use. Riders that customize a policy to fit 1nd1vidual needs usually carry an additional charge.

All guarantees and benefits of the insurance policy are backed by Nationwide Life and Annuity Insurance Company. They are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them make any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

The 1-Yr High Par 5 Indexed Interest Strategies offer the potential for greater Participation Rates than the Uncapped non-High Par 5 Indexed Interest Strategies during the five years after some or all of a Premium payment is applied to create an Index Segment. The 1-Yr High Par 5 Index Indexed Interest Strategy crediting rates will always be greater than or equal to the crediting rate of the Uncapped non-High Par 5 Indexed Interest Strategies that use the same Reference Index. There is no guarantee that any interest will be credited for a particular Index Segment.

The S&P 500® Distance Stabilizer TCA (USD) ER, Goldman Sachs New Horizons, and SG Macro Compass Indexes use volatility control and excess return methodologies. Volatility control reference indices tend to limit reference index performance highs and lows, which generally allows Nationwide to offer greater Participation Rates than are offered with other Indexed Interest Strategies. Excess return indices include calculation elements that reduce Reference Index performance, including that they do not allocate to any interest-bearing cash rate allocations. These Reference Indexes also deduct notional index management expenses deducted in calculating Reference Index performance. These deductions will reduce the potential positive change in the Reference Index performance and increase the potential negative change in the Reference Index performance used in the interest crediting formulas. Because of this, an excess return version of an index will have lower performance than a total return version of the same index would, especially in high interest rate environments. There is no guarantee that selecting a volatility control Indexed Interest Strategy will result in greater interest crediting than Indexed Interest Strategies that do not use a volatility control Reference Index or that any interest will be credited for a particular index segment.

The “S&P 500″” and “S&P 500″ Distance Stabilizer TCA Index (USO) ER” is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Nationwide Life and Annuity Insurance Company (“Nationwide”). S&P\ S&P 500\ US 500, The 500, iBoxx'”, iTraxx and COX’· are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones” is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Nationwide. Nationwide New Heights”‘ Indexed UL II is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500′”.

The Goldman Sachs New Horizons Index (the “Index”), and related trademarks and service marks are the exclusive property of Goldman Sachs and such Index is licensed to Nationwide Life and Annuity Insurance Company for use in a Fixed Index Universal Life Product (the “Product”). This Product is not sponsored, endorsed, recommended, promoted or sold by Goldman Sachs or by any third party provider of market data. Goldman Sachs and its affiliates, and any third party data provider disclaim to the full extent legally permitted all representations, third-partybeneficiary obligations, and warranties, including concerning warranty, advisability, suitability, and data and methodology accuracy and errors. Neither the Index nor any of the assets comprising it are guaranteed to yield specific results. There are no third-party beneficiaries of any agreements between third party providers and Goldman Sachs. Visit https://www.goldmansachsindices.com/products/GSNHRZON for complete disclosure.

The SG Macro Compass Index (the “Index”) is the exclusive property of SG Americas Securities, LLC (“SG”) and has been licensed to Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company (collectively, “Nationwide”) for use in certain life insurance and annuities offered by Nationwide (the “Products”). SG’s sole contractual relationship with Nationwide is to license the Index and the SG Marks to Nationwide. None of SG, S&P Opco, LLC, or other third party licensor (collectively, the “Index Parties”) to SG is an agent of Nationwide or has in any way sponsored, promoted, offered, sold structured or priced any Product, and no Index Party makes any representation as to the advisability of purchasing, selling or holding any Product. No Index Party shall have any liability with respect to the Products or for any losses relating to the Products, whether arising directly or indirectly from the use of the Index. No Index Party shall have any obligation to make payments under the Products. In calculating the performance of the Index, SG deducts transaction and replication costs, each calculated and deducted on a daily basis, which will reduce the potential positive change in the Index and increase the potential negative change in the Index. The total amount of transaction and replication costs 1s not predictable and will depend on a number of factors. “SG Americas Securities, LLC”, “SGAS”, “Societe Generale”, “SG”. “Societe Generale Indices”, “SGI”, and “SG Macro Compass Index” are trademarks or service marks of SG. Additional information is available at HYPERLINK “https://sgi.sgmarkets.com/us/index-details/SGMACRO” https://sgi.sgmarkets.com/us/index-details/SGMACRO.

Products are issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

Nationwide, the Nationwide N and Eagle and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. Thirdparty marks that appear in this document are the property of their respective owners.

FLW-0189AO (7/26)

Designed for stability and growth