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                                                                      EXHIBIT 4N

                  NATIONWIDE LIFE INSURANCE COMPANY OF AMERICA

                                      RIDER

                            ACCELERATED DEATH BENEFIT

INSURED              JOHN DOE                    POLICY NUMBER        9,000,000
EFFECTIVE DATE     09/01/2002                    RIDER ISSUE DATE     09/01/2002

IF ACCELERATED DEATH BENEFITS ARE ADVANCED UNDER THE TERMS OF THIS RIDER, THEIR
PAYMENT WILL REDUCE THE AMOUNT OF DEATH BENEFITS, SURRENDER BENEFITS AND LOAN
VALUE THAT MAY SUBSEQUENTLY BE PAID UNDER THIS POLICY.

RECEIPT OF ACCELERATED DEATH BENEFITS UNDER THIS RIDER MAY OR MAY NOT BE
TAXABLE. WHETHER OR NOT THE OWNER OR BENEFICIARY INCURS A TAX LIABILITY WHEN
BENEFITS ARE PAID DEPENDS ON HOW THE IRS INTERPRETS APPLICABLE PROVISIONS OF THE
INTERNAL REVENUE CODE. AS WITH ALL TAX MATTERS, THE OWNER SHOULD CONSULT HIS OR
HER PERSONAL TAX ADVISER TO ASSESS THE IMPACT OF RECEIVING ACCELERATED DEATH
BENEFITS UNDER THIS RIDER.

RECEIPT OF ACCELERATED DEATH BENEFITS MAY ADVERSELY AFFECT ELIGIBILITY FOR
MEDICAID OR OTHER GOVERNMENT BENEFITS OR ENTITLEMENTS.

This Rider is a part of the Policy to which it is attached. All definitions,
provisions, conditions and limitations of the Policy apply to this Rider, unless
changed by this Rider. The Effective Date, and Rider Issue Date are the same as
the Issue Date shown in the Policy Specifications, unless another Effective Date
and Rider Issue Date are shown above.

DEFINITIONS

DUE PROOF OF ELIGIBILITY - Certification in a written form satisfactory to us by
a Physician treating the Insured stating that the Insured has a Terminal
Illness. This Certification must include a diagnosis of the Terminal Illness.

ELIGIBLE DEATH BENEFIT - The Insurance Proceeds payable at death as of the date
we approve payment of the Accelerated Death Benefit less:

1.    any dividend accumulations;

2.    any dividends due and not paid;

3.    any dividend payable at death;

4.    any Premium Refund at Death;

5.    any insurance payable under the terms of any rider attached to this
      policy.

PHYSICIAN - A person who is licensed to practice medicine in the state in which
treatment is received and who is acting within the scope of that license. The
Physician may not be the Owner, Insured or a spouse, parent, child, brother or
sister of either the Owner or Insured.

TERMINAL ILLNESS - A noncorrectable medical condition which, with reasonable
medical certainty, can be expected to result in the Insured's death within
twelve months from the date of certification given to us as Due Proof of
Eligibility for this benefit.

DESCRIPTION OF ACCELERATED DEATH BENEFIT

AMOUNT OF BENEFIT. Upon receipt at our Service Center of Due Proof of
Eligibility, we will pay you an Accelerated Death Benefit while this Policy is
in force and the Insured is living. The amount of your Accelerated Death Benefit
request must be for at least $10,000; the maximum available amount is equal to
75% of the Eligible Death Benefit less 25% of any outstanding policy loans and
accrued interest (if any). The total of the Accelerated Benefits paid from all
your Policies issued by us and our subsidiaries cannot exceed $250,000.

The $250,000 maximum limitation will be adjusted at the beginning of each
calendar year by the CPI

Form R1904
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Factor. The CPI Factor is based upon the Consumer Price Index for All Urban
Consumers, United States City Average, All Items, as published by the U.S.
Department of Labor (or other nationally published index which is comparable in
scope and purpose to this index). This CPI Factor is the percentage equivalent
of the difference between C and D divided by D. ("C" is the CPI Factor for the
October preceding the year the claim is approved; "D" is the CPI Factor for
October 1992.)

You may request only one Accelerated Death Benefit from this Policy. After
receiving the Accelerated Death Benefit, you may request additional Accelerated
Death Benefits to pay premiums and policy loan interest which are due for this
Policy. There are no restrictions on the use of the Accelerated Death Benefit.

MEANS OF PAYMENT. Once we have approved payment of the Accelerated Death
Benefit, we will make a loan in accordance with the Policy's Loan Provisions (if
any). The amount of the loan will be the lesser of the maximum loan available
under the Policy and the amount of the Accelerated Death Benefit payment. If the
amount of the Accelerated Death Benefit payment is greater than the amount of
such loan, we will pay the remaining amount to you and place a Death Benefit
Lien against the Policy's Death Benefit for such remaining amount.

PAYMENT METHOD. You may choose to have the Accelerated Death Benefit amount paid
under one of the following methods:

1.    Lump Sum - the Accelerated Death Benefit amount will be paid in one sum.

2.    Monthly Installment - the Accelerated Death Benefit amount will be paid in
      12 or 24 equal monthly installments. Monthly payments will be calculated
      using interest of at least 3% per annum. If the Insured dies before the
      full number of payments has been made, the present value of the remaining
      payments will be paid to the named Beneficiary in a lump sum. We will
      compute the lump sum based on the interest rate we used to determine the
      monthly payments.

INTEREST PAYABLE

POLICY LOAN INTEREST. Interest is payable on the outstanding policy loan at the
rate of interest specified in the Policy.

DEATH BENEFIT LIEN INTEREST. Interest accrues daily on the amount of the Death
Benefit Lien from the date the Accelerated Death Benefit payment is made until
the date of the Insured's death. The lien interest rate is the rate in effect on
the first day of the calendar quarter in which the claim is approved. The lien
interest rate is determined as follows:

To determine the lien interest rate per annum for any calendar quarter, we will
compare the lien interest rate for the previous calendar quarter with a Maximum
Interest Rate prescribed by law and defined below. If there is a difference of
1/2% or more and the Maximum Interest Rate is higher, the lien interest rate may
be increased by at least 1/2% but not higher than the Maximum Interest Rate; if
it is lower, the lien interest rate will be reduced to be the same as or less
than the Maximum Interest Rate.

MAXIMUM INTEREST RATE. The Maximum Interest Rate is the greater of:

1.    Moody's Corporate Bond Yield Average - Monthly Average Corporates, as
      published by Moody's Investors Services, Inc., or any successor thereto,
      for the calendar month ending two months before the date on which the rate
      is determined. (If the bond average is no longer published, a similar
      average will be established by law or regulation issued by the insurance
      commissioner); and

2.    the rate used to compute the cash surrender value under the Policy during
      the applicable period plus 1% per annum.

We will notify you at the time a lien is made of the interest rate applicable to
such lien.

EFFECT ON EXISTING POLICY

INSURANCE PROCEEDS AT DEATH. The Insurance Proceeds at Death otherwise payable
under the Policy at the time of the Insured's death will be reduced by the
amount of any outstanding Death Benefit Lien and accrued interest thereon.

SURRENDER VALUE AND LOAN VALUE. If you make a request for a surrender, a policy
loan or a withdrawal, the Policy's Surrender and Loan Value (if any) will be
reduced by the amount of any outstanding Death Benefit Lien and accrued interest
thereon as of the date of receipt of your written request for the surrender,
loan or withdrawal

PREMIUMS AND POLICY LOAN INTEREST. Premiums and policy loan interest must be
paid when due.

However, if elected at the time the claim form is completed, you may change the
premium

Form R1904
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frequency to yearly and pay future premiums and policy loan interest
through additional Accelerated Death Benefit payments. If this Policy is a
flexible premium policy, the Planned Periodic Premium will be considered due for
the purposes of this provision.

DIVIDENDS. Since the amount of dividends payable reflects policy loan activity,
additional policy loan amounts incurred due to payment of the Accelerated Death
Benefit will affect the amount of dividends payable for the Policy.

POLICY TERMINATION AND REINSTATEMENT. The Policy will terminate on the Policy
Anniversary when the Insurance Proceeds at Death on such Policy Anniversary is
less than or equal to zero. We will have no further obligations under this
Policy. If the Policy terminates while subject to a Death Benefit Lien, we will
extinguish the Death Benefit Lien without further recourse. If the Policy is
reinstated, the Death Benefit Lien must also be reinstated with accrued interest
as if the Policy had never terminated.

GENERAL PROVISIONS

CONDITIONS FOR PAYMENT OF ACCELERATED BENEFITS. Your right to receive the
Accelerated Death Benefit payment is subject to the following conditions:

1.    The Policy must be in force other than as Extended Term Insurance;

2.    Due Proof of Eligibility and a properly completed claim form must be
      received at our Service Center prior to payment of the Accelerated Death
      Benefit. We may request additional medical information from your
      Physician. We reserve the right to require an independent physical
      examination at our expense;

3.    We reserve the right to charge an Administrative Fee at the time of
      payment of the Accelerated Death Benefit. It will not exceed $250 and will
      be deducted from the amount of the Accelerated Death Benefit payment;

4.    The Accelerated Death Benefit amount requested must be for at least
      $10,000;

5.    The Accelerated Death Benefit paid may not exceed 75% of the Eligible
      Death Benefit for this Policy less 25% of outstanding Policy loans and
      accrued interest (if any);

6.    The total of the Accelerated Death Benefits paid by us and our
      subsidiaries for all of your policies may not exceed $250,000. (This
      cumulative maximum will be adjusted yearly as described above);

7.    The Policy may not be assigned in whole or in part except to us as
      security for the Death Benefit Lien; therefore, we must receive a signed
      release of interest from any assignee and a signed consent from any
      irrevocable beneficiary authorizing payment of Accelerated Death Benefits.
      At our discretion, before we pay the Accelerated Death Benefit, we may
      require written authorization from any other party whom we believe has a
      potential interest in the proceeds of this Policy;

8.    No benefit is available if the Terminal Illness is the result of
      intentionally self-inflicted injuries;

9.    This Rider provides for the accelerated payment of the death benefit of
      your life insurance policy. It is not meant to cause you to involuntarily
      access proceeds ultimately payable to the named Beneficiary. Accelerated
      Death Benefits will be made available to you on a voluntary basis only.
      Therefore you are not eligible for this benefit if:

            a.    you are required by law to use this benefit to meet the claims
                  of creditors, whether in bankruptcy or otherwise;

            b.    you are required by a government agency to use this benefit in
                  order to apply for, obtain, or otherwise keep a government
                  benefit or entitlement.

TERMINATION OF RIDER

This Rider will terminate on the earliest of:

1.    Receipt of your written request for termination of this Rider; or

2.    Policy termination or maturity; or

3.    The Policy Anniversary when the Insurance Proceeds payable at Death on
      such Policy Anniversary is less than or equal to zero.

Signed for the Company at Berwyn, Pennsylvania on the Rider Issue Date.

/s/ Gary D. McMahan
President

Form R1904