NU Online News Service, Dec. 20, 10:53 a.m. – Nationwide Financial Services Inc., Columbus, Ohio, has added a new “adjusted sales load” rider to many of its variable-universal life products.

Customers who choose the rider can defer the obligation to pay an up-front sales load by replacing it with a rider charge that spreads the sales load over a longer period of time.

The rider helps increase investment returns in the early years of a policy, Nationwide says.