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SUPPLEMENT DATED NOVEMBER 19, 1999 TO
PROSPECTUS DATED MAY 1, 1999 FOR
FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICIES
ISSUED BY
NATIONWIDE LIFE INSURANCE COMPANY
THROUGH ITS
NATIONWIDE VLI SEPARATE ACCOUNT - 4
THIS SUPPLEMENT UPDATES CERTAIN INFORMATION CONTAINED IN YOUR PROSPECTUS. PLEASE
READ IT AND KEEP IT WITH YOUR PROSPECTUS FOR FUTURE REFERENCE.
1. FOR ALL POLICIES ISSUED IN PUERTO RICO, REFERENCES IN YOUR PROSPECTUS TO
"FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICIES" ARE CHANGED
TO
"Flexible Premium Variable Adjustable Life Insurance Policies"
2. THE SECOND PARAGRAPH OF THE "SUMMARY OF POLICY EXPENSES" PROVISION ON PAGE
6 OF YOUR PROSPECTUS IS AMENDED AS FOLLOWS:
Nationwide deducts a sales load and a premium expense charge from premium
payments. The current sales load is 0.5% of each premium payment and is
guaranteed never to exceed 2.5% of each premium payment. The premium
expense charge is approximately 3.5% of premiums for all states (see "Sales
Load" and "Premium Expense Charge").
3. THE FIRST PARAGRAPH OF THE "SALES LOAD" PROVISION ON PAGE 13 OF YOUR
PROSPECTUS IS AMENDED AS FOLLOWS:
Nationwide deducts a sales load from each premium payment received. It is
guaranteed never to exceed 2.5% of each premium payment. Currently, for all
policy years the sales load is 0.5% of each premium payment.
4. THE LAST SENTENCE OF THE SIXTH PARAGRAPH OF THE "SURRENDER CHARGES"
PROVISION ON PAGES 13 AND 14 OF YOUR PROSPECTUS IS AMENDED AS FOLLOWS:
Nationwide also currently deducts 0.5% of each premium payment for sales
load.
