Nationwide Vli Separate Account 4 – INSURING AGREEMENT: (February 19th, 2002)Exhibit 4 AB SURVIVOR FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICY PLEASE READ YOUR POLICY CAREFULLY This policy is a legal contract between the Owner (you, your) and Nationwide Life Insurance Company (we, our, us, the Company). INSURING AGREEMENT: We issue this policy in consideration of your application and the payment of the Initial Premium. We agree to pay the Death Proceeds to the Beneficiary upon receiving proof that both Insureds have died while this policy is in force prior to the Maturity Date. We agree to pay the Maturity Proceeds to you if either Insured is living on the Maturity Date. You and we are bound by the conditions and provisions of this policy. The Cash Surrender Value of this policy will vary from day to day. It may increase or decrease depending on the investment experience of the policy. Refer to the Nonforfeiture Provisions on page 11 for details. There is no gua
Nationwide Vli Separate Account 4 – INSURING AGREEMENT: (May 15th, 2001)1 Exhibit 4 FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICY [Logo] PLEASE READ YOUR POLICY CAREFULLY This Policy is a legal contract between the Owner (you, your) and Nationwide Life Insurance Company (we, our, us, the Company). INSURING AGREEMENT: We issue this Policy in consideration of your application and the payment of the Initial Premium. We agree to pay the Death Proceeds to the Beneficiary upon receiving proof that the Insured has died while this Policy is in force and before the Maturity Date. We agree to pay the Maturity Proceeds to you if the Insured is living on the Maturity Date. You and we are bound by the conditions and provisions of this Policy. ------------------------------------------------------------------------------ The Cash Surrender Value of this Policy will vary from day to day. It may increase or decrease depending on the inv
Nationwide Vli Separate Account 4 – INSURING AGREEMENT: (January 16th, 2001)1 FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE AE INSURANCE POLICY PLEASE READ YOUR POLICY CAREFULLY This Policy is a legal contract between the Owner (you, your) and Nationwide Life Insurance Company (we, our, us, the Company). INSURING AGREEMENT: We issue this Policy in consideration of your application and the payment of the Initial Premium. We agree to pay the Death Proceeds to the Beneficiary upon receiving proof that the Insured has died while this Policy is in force and before the Maturity Date. We agree to pay the Maturity Proceeds to you if the Insured is living on the Maturity Date. You and we are bound by the conditions and provisions of this Policy. The Cash Surrender Value of this Policy will vary from day to day. It may increase or decrease depending on the investment experience of the Policy. Refer to the Nonforfeiture Provisions on page 11 for details. There is no guaranteed Cash Surrender Value. The amount of the de
Nationwide Vli Separate Account 4 – INSURING AGREEMENT: (April 24th, 1998)1 Exhibit 4 --------------------------------------------------- NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY [LOGO] Home Office: Two Nationwide Plaza Columbus, Ohio 43218-2150 --------------------------------------------------- PLEASE READ YOUR POLICY CAREFULLY This Policy is a legal contract between the Owner (you, your) and Nationwide Life Insurance Company (we, our, us, the Company). INSURING AGREEMENT: We issue this Policy in consideration of your application and the payment of the Initial Premium. We agree to pay the Death Proceeds to the beneficiary upon receiving proof that the Insured has died while this Policy is in force and before the Maturity Date. We agree to pay the Maturity Proceeds to you if the Insured is living on the Maturity Date. You and we are bound by the conditions and provisions of this Policy. -------------------------
Nationwide Vli Separate Account 4 – INSURING AGREEMENT: (July 21st, 1997)1 ------------------------------------------------------------ LOGO NATIONWIDE LIFE INSURANCE COMPANY Home Office: One Nationwide Plaza Columbus, Ohio 43216 ------------------------------------------------------------ PLEASE READ YOUR POLICY CAREFULLY This Policy is a legal contract between the Owner (you, your) and Nationwide Life Insurance Company (we, our, us, the Company). INSURING AGREEMENT: We issue this Policy in consideration of your application and the payment of the Initial Premium. We agree to pay the Death Proceeds to the Beneficiary upon receiving proof that the Insured has died while this Policy is in force and before the Maturity Date. We agree to pay the Maturity Proceeds to you if the Insured is living on the Maturity Date. You and we are bound by the conditions and provisions of this Policy. -------------------------------------------------------------
