Use this life insurance rider to maximize the initial investment in your policy by spreading the sales load charge over a select number of years. This is also known as a deferred sales load.

A sales load compensates the insurance company for sales expenses and state and local taxes. Ordinarily, this charge is deducted from your life insurance premium payment before it is applied to your policy.

Rider details

Available for an additional monthly charge, you must choose the Adjusted Sales Load Rider when the policy is issued. Also, the rider cost increases with the amount of sales load charges that are deferred.

Please refer to your insurance contract, product prospectus or investment professional for specific details.

Available products

The following variable life insurance policies are available with an Adjusted Sales Load Rider option.

Nationwide YourLife® Accumulation VUL
Life insurance protection and the ability to overfund the product when you’re already contributing the maximum allowable amount to your qualified retirement plans.

Nationwide YourLife® Protection VUL
Guaranteed death benefit and upside market potential.

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Optional riders that customize a policy to fit individual needs usually carry an additional charge and are only available through the purchase of variable universal life insurance products. Riders may be known by different names in different states and may not be available in every state.

Variable products are sold by prospectus. The product and underlying fund prospectuses contain this and other important information. Investors should read them carefully before investing. To obtain a product prospectus call 1-800-321-6064, contact an insurance professional or click on the prospectus link on

Guarantees are subject to the claims-paying ability of the issuing life insurance company. They don't apply to the investment performance or safety of the underlying investment options. Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general public.