Document:

<PAGE>

                                                                    EXHIBIT 4(p)

                 NATIONWIDE LIFE AND ANNUITY COMPANY OF AMERICA

                                      RIDER

                                CHANGE OF INSURED

     INSURED     JOHN DOE                    POLICY NUMBER             9,000,000

                                             RIDER ISSUE DATE         09/01/2002

     This Rider is attached to and is a part of this Policy.

CONDITIONS FOR CHANGE. You may change the Insured under this Policy for a New
Insured:
     (a) upon written request; and
     (b) by meeting any other terms and conditions set by the Company, including
         the following:
         1.    on the date of change, the New Insured's age may not be more than
               75;
         2.    the New Insured must have been born on or before the Policy Date
               of this Policy;
         3.    the New Insured must provide evidence of insurability
               satisfactory to us;
         4.    you must have an insurable interest in the life of the New
               Insured.

DATE OF CHANGE. The Date of Change will be the Policy Processing Day following
the later of:
     (a) the date set forth in your written request for exchange; or
     (b) the date we determine that the New Insured is insurable.

TERMS OF POLICY AFTER CHANGE. This Policy will cover the New Insured starting on
the Date of Change. When coverage of the New Insured begins, coverage on the
prior Insured will end.

The contestable and suicide periods for the New Insured will start on the Date
of Change.

The Face Amount of Insurance on the New Insured will be the same as that on the
prior Insured. The monthly deduction for cost of insurance and any other
benefits provided by rider will be based on the Attained Age and Premium Class
of the New Insured.

Any policy loans or assignment will remain in effect after the change.

Signed for the Company at Newark, Delaware on the Rider Issue Date.

                                                             /s/ Gary D. McMahan
                                                             -------------------
                                                                       President

Form PLC901<PAGE>

                                                                    EXHIBIT 4(i)

                 NATIONWIDE LIFE AND ANNUITY COMPANY OF AMERICA

                                      RIDER

                         CONVERTIBLE TERM LIFE INSURANCE

   INSURED            JANE DOE

   RIDER ISSUE DATE                                    POLICY NUMBER   9,000,000

   This Rider is attached to and made part of this Policy.

The Company will pay the Beneficiary the amount of term insurance shown in the
Policy Schedule for the Insured above, upon receipt of due proof of the
Insured's death on or before the Expiry Date of this Rider, subject to the terms
and conditions set forth below. Unless otherwise provided, the Owner and
Beneficiary of this Rider are the same as the Owner and Beneficiary of the
Policy to which this Rider is attached.

AMOUNT OF INSURANCE. The amount of term insurance is shown on Policy Schedule
page 3, and will remain level until the Expiry Date, or until increased or
decreased at the request of the Owner.

EXPIRY DATE. The Expiry Date of this Rider is the Policy Anniversary nearest age
100 of the Insured or the maturity date of the Policy to which it is attached,
whichever occurs first.

COST. The cost of insurance for this Rider is included in the monthly deductions
for the Policy to which this Rider is attached. It is determined by multiplying
the monthly cost of insurance rate by the Insured's Insurance Amount divided by
1,000. The monthly deduction for this Rider will cease upon the termination of
this Rider.

The monthly cost of insurance rate is based on the Sex, Issue Age and Rider
Class of the Insured and the Rider's duration. Monthly cost of insurance rates
will be determined by us, based on our expectations as to future mortality costs
and expenses. Any change in cost of insurance rates will be in accordance with
the Changes In Policy Cost Factors Provision of the Policy. The cost of
insurance rates will never be greater than the Guaranteed Monthly Rider Cost Per
$1,000 of Insurance Amount shown in the Policy Schedule. Guaranteed maximum
rates are based on the 1980 Commissioners' Standard Ordinary Nonsmoker or Smoker
Mortality Table, Age Nearest Birthday plus any special risk factors for any
extra rating.

COST OF DISABILITY WAIVER BENEFIT. If the Policy to which this Rider is attached
has a Disability Waiver of Benefit rider, there will be an additional cost on
each Policy Processing Day. The additional cost will be determined by
multiplying the Rate Factor for the Insured's Attained Age by the Insurance
Amount of this Rider divided by 1,000.

CONVERSION PRIVILEGE. At any time at or prior to attained age 60 and while this
Rider is in full force, it may be converted to a new policy, subject to the
conditions set forth below. The new policy must:

   1. have a Face Amount equal to the amount of term insurance provided under
      this Rider;

   2. be on a life plan that is customarily issued by the Company on the issue
      date of the new policy in the same insurance amount as this Rider and in a
      Premium Class as defined below.

Conversion will be made:

   1. without evidence of insurability; and

   2. upon written request and surrender of this Rider.

NEW POLICY. The Policy Date of the new policy will be the date of conversion and
will be on the form then in use by the Company. The premium for the new policy
will be based on the age of the Insured at his or her birthday nearest the date
of conversion and on the premium rates used by the Company on that date.

PREMIUM CLASS. The Premium Class for the new policy will be the same class as
this Rider.

EXTRA PREMIUM CLASS. If the class of this Rider is With Extra Rating, the extra
rating for the new policy

<PAGE>

will be that in use by the Company on the issue date of the new policy.

Such rating will correspond to the rating for the Policy to which this Rider is
attached but will be adjusted for:

   1. the plan of insurance under the new policy; and

   2. the age of the Insured.

CONVERSION OF DISABILITY WAIVER RIDER. At the Owner's request, the new policy
may contain the Disability Waiver Benefit or Disability Waiver of Premium rider
if:

   1. the Policy to which this Rider is attached contains a disability waiver
      rider for the Insured above; and

   2. conversion is made before the Insured's Attained Age 55.

If the new policy is a flexible premium variable life insurance policy, only the
Disability Waiver Benefit rider is available.

The rider will be on the form in use by the Company on the issue date of the new
policy. The cost of the rider will be based on:

   1. the age of the Insured at his or her birthday nearest the Policy Date of
      the new policy; and

   2. the rates then in use by the Company.

CHANGE IN INSURANCE AMOUNT. After the first Policy Year, the amount of this
Rider may be increased or decreased upon request of the Owner and approval of
the Company, while this Rider is in force. Any change will be effective as of
the next Policy Processing Day following the date we approve your written
request, provided we have received any premium required for the change.

You may request a change by completing an application for change. A copy of such
application will be attached the change is approved. The application for change
and new Policy Schedule pages will become part of the Policy to which this Rider
is attached. We may require you to return the Policy to make the change.

INSURANCE AMOUNT INCREASE. You may request an Insurance Amount increase subject
to the following:

   1. you must provide evidence satisfactory to the Company of the Insured's
      insurability in the same or better Rider Class in which this Rider was
      issued;

   2. the Insured's Attained Age must be 75 years or less;

   3. you may not have increased the Insurance Amount of this Rider in the prior
      12-month period;

   4. the amount of the increase must be at least $25,000.

   5. we reserve the right to charge a reasonable fee for this transaction.

INSURANCE AMOUNT DECREASE. You may request an Insurance Amount decrease subject
to the following:

   1. the Insurance Amount after the decrease is not less than the minimum
      amount for which we would then issue this Rider under our rules; and

   2. the amount of the decrease must be at least $25,000.

TERMINATION. This Rider will terminate:

   1. upon written request;

   2. on its Expiry Date or the prior surrender or other termination of the
      Policy to which it is attached; or

   3. upon exercise of the Policy Split Option Rider, if included with the
      Policy to which this Rider is attached.

Attached by Nationwide Life and Annuity Company of America on the issue date of
this Rider.

                                                             /s/ GARY D. MCMAHAN
                                                                       President

Form PLC308                                                              (11.96)<PAGE>
                                                                    EXHIBIT 4(j)

                 NATIONWIDE LIFE AND ANNUITY COMPANY OF AMERICA

                                      RIDER

                     4 YEAR SURVIVORSHIP TERM LIFE INSURANCE

  POLICY NUMBER  9,000,000                        RIDER ISSUE DATE  09/01/2002

This Rider is attached to and made part of this Policy.

The Company will pay the Beneficiary the Rider Death Benefit upon receipt of due
proof of both Insureds' death on or before the Expiry Date of this Rider,
subject to the terms and conditions set forth below. Unless otherwise provided,
the Owner and Beneficiary of this rider are the same as the Owner and
Beneficiary of the Policy to which this Rider is attached.

RIDER DEATH BENEFIT. The death benefit of this Rider is an amount equal to 1.25
multiplied by the Face amount of the Policy, as shown in the Policy Schedule.

EXPIRY DATE. The Expiry Date of this Rider is the end of the fourth Policy Year.

COST. The cost of insurance for this Rider is included in the monthly deductions
for the Policy to which this Rider is attached. It is determined by multiplying
the monthly cost of insurance rate divided by 1,000 by the Rider Death Benefit.
The monthly deduction for this Rider will cease upon the termination of this
Rider.

The monthly cost of insurance rate is based on each Insured's Sex, Issue Age and
Premium Class and the Rider's duration. Monthly cost of insurance rates will be
determined by us, based on our expectations as to future mortality costs and
expenses. Any change in cost of insurance rates will be in accordance with the
Changes In Policy Cost Factors Provision of the Policy. The cost of insurance
rates will never be greater than the Guaranteed Monthly Rider Cost Per $1,000 of
Insurance Amount shown in the Policy Schedule.

CHANGE IN RIDER DEATH BENEFIT. After the first Policy Year, the amount of this
Rider may decrease if the Face Amount of the Policy is decreased. The death
benefit of the Rider will always equal 1.25 multiplied by the Face Amount shown
in the Policy Schedule.

TERMINATION. This rider will terminate:

1. upon written request;

2. on its Expiry Date or the prior surrender or other termination of the Policy
   to which it is attached; or

3. upon exercise of the Policy Split Option Rider, if included with the Policy
   to which this Rider is attached.

Attached by Nationwide Life and Annuity Company of America on the issue date of
this Rider.

                                                                /s/ GARY MCMAHAN
                                                                       President

Form PLC309                                                              (11.96)

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00051-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00051-of-00352.parquet"}], [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00051-of-00352.parquet"}]]