Form 497VPI JEFFERSON NATIONAL LIFE
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E-mailSupplement dated May 1,
2026
to the following initial summary prospectus(es):
to the following initial summary prospectus(es):
Monument Advisor, Monument Advisor Select and Monument Advisor Select NY dated May 1, 2026
| This supplement updates certain information contained in your initial summary prospectus. Please read and
retain this supplement for future reference. |
The Board of Trustees (the "Board") of Lazard Retirement Series,
Inc., approved the liquidation (the "Liquidation") of the Lazard Retirement Series, Inc. – Lazard Retirement US Small Cap Equity Select Portfolio: Service Shares (the
"Fund"). The Liquidation is expected to occur on or about May 20, 2026 (the "Liquidation Date").
In anticipation of the Liquidation, the following changes apply to the
contract:
•
Effective May 13, 2026, this Investment Portfolio is no longer available to receive transfers or new purchase
payments.
•
From the date of this supplement until the Liquidation Date, investors with allocations in the
Fund may transfer allocations to any other available investment option. During this period, any transfers from the Fund will not be treated as a transfer for purposes of transfer limitations that would otherwise be applicable.
•
On the Liquidation Date, any remaining assets of the Fund will be transferred to Nationwide
Variable Insurance Trust – NVIT Government Money Market Fund: Class Y.
•
After the Liquidation Date, any and all references to the Fund are deleted.
ISP-1054
1
Supplement dated May 1,
2026
to the following initial summary prospectus(es):
to the following initial summary prospectus(es):
Nationwide Advisory Retirement Income Annuity, Nationwide Advisory Retirement Income Annuity - New York, Nationwide Innovator Corporate VUL, Nationwide Advisory VUL, Monument Advisor, Monument Advisor Select and
Monument Advisor Select New York dated May 1, 2026
| This supplement updates certain information contained in your initial summary prospectus. Please read and
retain this supplement for future reference. |
The following underlying mutual fund is offered as an investment
option under the contract or policy.
Effective May 12, 2026, the name
of the investment option is updated as indicated below:
| CURRENT NAME |
UPDATED NAME |
| Vanguard Variable Insurance Fund - Capital Growth Portfolio |
Vanguard Variable Insurance Fund - PRIMECAP Portfolio |
ISP-1055
1
Monument Advisor Select®
Individual Variable Annuity
Issued by
Jefferson National Life Insurance Company
through its
Jefferson National Life Annuity Account G
Summary Prospectus for New Investors
May 1, 2026
The contracts described in this prospectus are not available in the State of New
York.
This summary prospectus summarizes key features of the contract.
Not all benefits and features are available in all states. Check the
statutory prospectus for information relating to state availability.
Before you invest, you should also review the statutory prospectus for the contract, which contains more information about the contract’s features, benefits, and risks. You can find this document and other information about the contract online at https://nationwide.onlineprospectus.net/NW/C000220422NW/index.php?ctype=product_prospectus. You can also obtain this information at no cost by calling 1-866-667-0561 or by sending an email request to [email protected].
Variable annuities are complex investment products and involve risks, including the potential loss of principal. The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals under the
contract could result in taxes and tax penalties.
If you change your mind about owning the
Contract, you may cancel the Contract within 10 days after receiving it (or 60 days if it is a Replacement Contract) and We will cancel the Contract. Jefferson National deems this period as beginning on the date the Contract is posted to your Secure Online Account. If you elect to receive the Contract in paper, Jefferson National deems this period as ending 15 days after We mail
the Contract, or 60 days if it is a Replacement Contract. On the day We receive your request We will return your Contract Value. This refund amount will be the Contract Value plus the amount of fees and other charges deducted from the Contract via redemption of Accumulation Units, if applicable, such as Subscription Fees. The amount refunded will not include any underlying fund charges or Contract fees that were assessed daily as part of the Accumulation Unit value calculation during the free look period. See Free Look in the statutory prospectus for additional details.
All guarantees under the contract are subject to the Company’s creditworthiness and claims-paying ability.
You should review the statutory prospectus, or consult with your financial professional, for additional information about the
specific cancellation terms that apply.
Additional information about certain investment products, including variable annuities, has been prepared by the
SEC’s staff and is
available at
Investor.gov.
This Contract may be available through third-party financial intermediaries who charge an investment advisory fee for their services, and
these fees are in addition to contract fees and expenses described in this prospectus. If the Owner elects to
pay the investment advisory fees from the Contract Value, this may reduce the death benefit and other benefits under the Contract, may be subject to federal and state income taxes, and may be subject to a 10% federal tax penalty.
1
Definitions of Special
Terms
Because of the complex nature of the Contract, We have used certain words or terms in this prospectus, which may need additional explanation. We have identified the following as some of these words or terms.
| Accumulation
Period: The period during which you invest money in your
Contract. |
| Accumulation
Unit: A measurement We use to calculate the value of the
variable portion of your Contract during the
Accumulation Period. |
| Adjusted Partial Withdrawal: An amount equal to the greater of (1) the amount of the partial
withdrawal (including, if applicable, that portion of the withdrawal
constituting Excess Advisor Fees), and any applicable premium taxes
withheld or (2) the amount of the partial withdrawal (including, if
applicable, that portion of the withdrawal constituting Excess Advisor Fees) and any applicable premium taxes withheld multiplied by (a) divided
by (b) where (a) is the Death Benefit immediately prior to the partial withdrawal; and (b) is the Contract Value immediately prior to
the withdrawal. For purposes of this calculation, if an Advisor Fee withdrawal causes the Contract to exceed the
Maximum Advisor Fee, then the Contract Value will be reduced by the amount of the allowable Advisor Fee (e.g., the Advisor Fee less the Excess Advisor Fee). Required minimum distributions are considered partial withdrawals
and included in this calculation. |
| Advisor
Fee: Any fee charged by any Investment Advisor or financial professional you hire and processed as such by
the Company as a withdrawal from the Contract Value. |
| Annuitant(s)
: The natural person(s) on whose life (lives) We base
Annuity Payments. On or after the Annuity Date, the
Annuitant shall also include any joint Annuitant. In the event of joint Annuitants, the life of the primary Annuitant is used to determine Annuity Payments. If the Contract is owned by a non-natural Owner and joint Annuitants are named, the Death Benefit Amount will be calculated upon the death of the first Annuitant to die. |
| Annuity Date
: The date on which Annuity Payments are to begin, as selected by you, or as required by the Contract or
by state or federal law. If a prior date is not selected by you, the Annuity Date is the Maximum Maturity Date. For
joint Annuitants all provisions are based on the age of the primary Annuitant. |
| Annuity
Options: Income plans which can be elected to provide
periodic Annuity Payments beginning on the Annuity Date. |
| Annuity
Payments: Periodic income payments provided under the
terms of one of the Annuity Options. |
| Annuity
Period: The period during which We make income payments
to you. |
| Beneficiary
: The person(s) or entities, designated to receive any
benefits under the Contract if you or, in the case of a
non-natural Owner, the Annuitant dies. |
| Business
Day: Generally, any day on which the New York Stock
Exchange is open for trading. Our Business Day ends
at the closing of regular trading on the New York Stock Exchange. Some of the Investment Options may impose
earlier deadlines for trading. These deadlines are described in further detail under
the heading "Transfers." |
| Code: The Internal Revenue Code of 1986, as amended. |
| Company
: Jefferson National Life Insurance Company, also referred to as Jefferson National, We, Us, and Our. |
| Contract
: The Monument Advisor Select® individual variable annuity contract, which
provides variable investment options offered by the Company. |
| Contract
Value: Your Contract Value is the sum of amounts held under your Contract in the various Sub-accounts of
the Separate Account. |
| Death
Benefit Amount: The Death Benefit Amount is the amount payable to the Beneficiary upon the death of the
Owner, or for a Contract owned by a non-natural person, the death of the Annuitant. |
| Excess
Advisor Fee: The Advisor Fees in excess of the Maximum Advisor Fee for the current contract year. |
| FINRA: Financial Industry Regulatory Authority, Inc. |
| Free Look Period: If you change your mind about owning the Contract, the Free Look Period is the period of time
within which you may cancel your Contract. This period of time is generally 10 days from receipt, but may be longer
as required by applicable law, and may differ if it is a Replacement Contract. |
3
| Investment
Advisor: A registered investment adviser, an investment
adviser who is exempt from registration with the Securities and Exchange
Commission or other adviser selected by you to provide you asset allocation and investment advisory services. |
| Investment
Options: The investment choices available to Owners. These choices include the Sub-accounts of the
Separate Account. |
| Investment
Portfolio(s): The variable Investment Options available under the Contract. Each Sub-account has its
own investment objective and is invested in the underlying Investment Portfolio. |
| Joint
Owner: The individual who co-owns the Contract with another person. |
| Low Cost Fund Platform Fee: Fee imposed by the Company on Contract Value invested in certain Sub-accounts that
invest in low cost Investment Portfolios. This fee is assessed daily as part of the daily Accumulation Unit value
calculation. See Low Cost Fund Platform Fee for further details, including a list of
the Sub-accounts for which the
Company currently imposes the fee. |
| Maximum
Advisor Fee: Maximum Advisor Fee Percentage multiplied by the average of the current contract year
Contract Values on the date each Advisor Fee is deducted. |
| Maximum Advisor Fee Percentage: For Contracts issued before November 1, 2019, 2.00% per year. For Contracts
issued on or after November 1, 2019, 1.5% per year. |
| Maximum
Maturity Date: The date on which the primary Annuitant attains age 100. For joint Annuitants, all provisions
which are based on age are based on the age of the primary Annuitant. |
| Measuring
Life: The life upon whom the Death Benefit shall be paid in accordance with the ROP Enhanced Death Benefit Rider. If the Contract is owned by a natural person, the Measuring Life is the Owner. If there are Joint Owners, the Measuring Life is the first Owner to die. If the Owner is a non-living entity, Annuitant ages will be used
and the rules above will be followed substituting the word "Annuitant" for the word "Owner." |
| Non-Natural
Owner: The trust or entity (e.g. CRT, Family Trust, Corporation, Other) that will own the Contract. |
| Owner: You, the purchaser of the Contract, are the Owner. |
| Purchase
Payment: The money you give Us to buy the Contract, as well as any additional money you give Us to
invest in the Contract after you own it. |
| Replacement
Contract: A Contract purchased with the proceeds from another contract (a contract issued by the
Company and/or another insurance company). |
| Return of Premium ("ROP") Enhanced Death Benefit Rider: An optional benefit you may select for an additional
charge that guarantees a minimum amount your beneficiary will receive upon your death,
regardless of investment performance. If you elect this Rider, the Contract to which this Rider is attached will be restricted to a maximum of
$3,000,000 in total Purchase Payments, less Adjusted Partial Withdrawals. Multiple Contracts to which this Rider is
attached with the same Measuring Life may not exceed $3,000,000 in total Purchase Payments, less Adjusted Partial Withdrawals. |
| Secure
Online Account: Your Secure Online Account is a password protected electronic account through which you
can access personal documents relating to your Contract, such as transaction confirmations, periodic account
statements and other personal correspondence. You create your Secure Online Account by going to our Website
after you purchase the Contract and we maintain it for you on our Website thereafter. |
| Separate
Account: Jefferson National Life Annuity Account G, which
invests in the Investment Portfolios. |
| Sub-account
: A segment within the Separate Account which invests in a single Investment Portfolio. |
| Subscription
Fee: $20 per month fee charged by Us to issue and
administer the Contract. |
| Website: https://www.nationwideadvisory.com. You may obtain information about your Contract and request certain
transactions through the Website. |
4
Overview of the Contract
Purpose of the Contract
The Contract is intended to be a long-term investment vehicle to assist investors in saving for and living in retirement. We have
designed the contract to offer features, pricing, and Investment Options that encourage long-term ownership.
The Contract can help supplement retirement income through the annuitization feature, which provides a stream
of periodic income payments. During the years leading up to those income payments, you manage your assets in the
Contract according your
specific goals and risk preferences by directing the allocation and reallocation among a variety of Investment Options. Contract growth is tax-deferred, meaning that gains
in the contract are not taxable until withdrawn from the Contract. Finally, in the event that you die before beginning income payments, the Contract offers a death benefit.
Before purchasing the Contract you should consult with
a financial professional to determine whether this contract is appropriate for you, taking into consideration your particular needs, including investment objectives, risk
tolerance, investment time horizon, marital status, tax situation, and other personal characteristics. Generally speaking, this Contract is intended to provide
benefits to a single individual and his/her beneficiaries. The Contract is not intended to be used by institutional investors, or in connection with other Jefferson National contracts that have the same Annuitant and/or Owner. It is not intended to be sold to a terminally ill Contract Owner.
If the Owner elects to pay the investment advisory fees from the
Contract Value, this may reduce the death benefit and other benefits under the contract, may be subject to federal and state income taxes, and may be subject to a 10% federal tax
penalty (see Charges and Adjustments, Advisor Fee Withdrawals, and
Taxes in the statutory prospectus).
Phases of the Contract
The contract exists in two separate phases: the Accumulation Period (savings) and the Annuity Period (income). During
the Accumulation Period, the Contract offers a variety of Investment Options to which the Owner can allocate and reallocate his/her Contract Value. The Investment Options available under the Contract consist of Sub-accounts that invest in underlying mutual funds, which offer a variable rate of return. Additional information about the
underlying mutual funds is available in Appendix: Investment Options Available Under the Contract.
During the Annuity
Period, We make periodic income payments to you. Prior to the Annuity Date, you elect the duration of the Annuity Payments – either for a fixed period of time or for the duration of the Annuitant’s (and possibly the joint Annuitant’s) life.
Annuity Payments will be fixed, meaning that the amount of each Annuity Payment will be the same. After the Annuity Date, the only value associated with the
Contract is the stream of Annuity
Payments; unless otherwise specified in the
Annuity Option, you cannot withdraw value from the Contract over and above the Annuity Payments. Additionally, after the Annuity Date, there is no death benefit, which means that upon your death, all Annuity Payments stop and the Contract terminates, unless the particular Annuity Option
provides otherwise.
Contract Features
Investment Options. Owners can allocate Contract Value to Sub-accounts that invest in underlying mutual funds. Owners can reallocate those assets at their discretion, subject to certain restrictions.
Deposits to the Contract. Owners can apply additional Purchase Payments to the Contract until the Annuity Date, subject to certain restrictions.
Withdrawals from the Contract. Owners can withdraw some or all of their Contract Value at
any time prior to the Annuity Date,
subject to certain restrictions. During the Annuity Period, withdrawals other than Annuity Payments are not permitted.
Death Benefit. During the Accumulation
Period, the Contract contains a standard
death benefit (return of Contract Value)
at no additional charge.
Optional Death Benefits. A
ROP Enhanced Death Benefit option is available for an additional charge, which may provide a greater death benefit than the standard death benefit.
Annuity Payments. On
the Annuity Date, We will make Annuity
Payments based on the Annuity Option
chosen.
5
Tax Deferral. Generally, Owners will not be taxed on any earnings on
the assets in the Contract until such earnings are distributed from the Contract. How each
contract’s distributions are taxed depends on the type of contract issued. Note that if this
Contract is issued in connection with a plan that qualifies for special income tax treatment under the Code, the Contract does not provide additional tax deferral benefits (see Taxes in the statutory prospectus).
Cancellation of the Contract. Under state insurance laws,
Owners have the right, during a limited period of time, to examine their Contract and decide if they want to keep
it or cancel it (see Free Look and Contacting Us in the statutory
prospectus).
Contract Owner
Services. The Contract offers several
services at no additional charge to assist Owners in managing their Contract, including:
•
Rebalancing Program
•
Dollar Cost Averaging Program
•
Systematic Withdrawal Program
6
Important Information You
Should Consider About the Contract
| FEES, EXPENSES, AND ADJUSTMENTS
(see Additional
Information About Fees later in this summary prospectus and Charges and Adjustments in the
statutory prospectus) | |||
| Are There Charges or
Adjustments for Early Withdrawals? |
No. | ||
| Are There Transaction
Charges? |
Yes. We currently do not but reserve the right to assess a Transfer Fee in the event of
excessive transfers (see Transfer Fee in the statutory prospectus). |
||
| Are There Ongoing Fees
and Expenses? |
Yes. The table below describes the fees and expenses that you may pay each
year, depending on the investment options and optional benefits chosen. Please refer to your
contract specifications page for information about the specific fees you will pay
each year based on the options you have elected. The fees and expenses
do not reflect any investment advisory fees paid to financial
professionals from Contract Value or other
assets you own; if those charges were reflected, the fees and expenses would be
higher. | ||
| Annual Fee |
Minimum |
Maximum | |
| Base Contract |
0.24%1 |
0.24%1 | |
| Underlying mutual fund fees and expenses |
0.09%2 |
3.38%2 | |
| Optional benefits available for an additional
charge (for a single optional benefit, if elected) |
0.15%1 |
0.15%1 | |
| 1 As a percentage of Variable Account value. 2 As a percentage of underlying mutual fund net
assets. Minimum and maximum expenses include the maximum Low Cost Fund Platform Fee (see Low Cost Fund Platform Fee in the statutory prospectus) |
|||
| Because each contract is customizable, the options elected affect how much each
Contract Owner will pay. To help you understand the cost of owning the contract, the following table shows the lowest and highest cost a Contract Owner could pay each year, based on current charges. | |||
| Lowest Annual Cost Estimate:
$283.37 |
Highest Annual Cost Estimate:
$3,289.57 | ||
| Assumes: ● Investment of $100,000 ● 5% annual appreciation
● Least expensive underlying mutual fund fees and expenses
● No optional benefits
● No additional purchase payments, transfers or withdrawals ● No investment advisory fees |
Assumes:
● Investment of $100,000
● 5% annual appreciation
● Most expensive underlying mutual fund fees and expenses and election of the optional benefit ● No additional purchase payments,
transfers or withdrawals
● No investment advisory fees | ||
| RISKS | |
| Is There a Risk of Loss
from Poor Performance? |
Yes. Contract Owners of variable annuities can lose money by investing in the contract,
including loss of principal (see Principal Risks in the statutory prospectus |
| Is this a Short-Term
Investment? |
No. The contract is not a short-term investment and is not appropriate
for an investor who needs ready access to cash. We have designed the
contract to offer features, pricing, and investment options that
encourage long-term ownership (see Principal Risks in the
statutory prospectus). Withdrawals may be subject to taxes and tax penalties. The benefits of tax deferral also
means that the contract is more beneficial to investors with a long time horizon
(see Principal Risks in the statutory prospectus). |
7
| RISKS | |
| What Are the Risks
Associated with the
Investment Options? |
● Investment in this contract is subject to the risk of poor investment performance.
Investment experience can vary depending on the Investment Options selected by the
Contract Owner. ● Each investment Option has its own unique risks.
● Review the prospectuses and disclosures for the Investment Options before making an investment decision.
See Principal Risks in the statutory prospectus. |
| What Are the Risks
related to the Insurance
Company? |
Investment in the contract is subject to the risks associated with Jefferson
National, including that any obligations, guarantees, or benefits are
subject to Our claims-paying ability. More information about Us is
available by contacting Us at the address and/or toll- free phone
number indicated in Contacting Us (see Principal Risks in the statutory
prospectus). |
| RESTRICTIONS |
|
| Are There Restrictions
on the Investment Options? |
Yes.
● We reserve the right to add, remove, and substitute Investment Portfolios available under the Contract (see The Investment Portfolios in the statutory prospectus). ● Certain Investment Portfolios have early cut-off times (see Appendix: Investment
Options Available Under the Contract). ● Transfers between Investment Portfolios are subject to policies designed to deter short-
term and excessively frequent transfers. Jefferson National may restrict the form
in which transfer requests will be accepted (see Excessive Trading Limits in the statutory
prospectus).
● The availability of investment options may vary depending on the broker-dealer through which the Contract is sold (see Appendix D: Financial Intermediary Variations in the statutory prospectus). |
| Are There any
Restrictions on Contract
Benefits? |
Yes.
● We reserve the right to discontinue offering any optional benefit. Such a discontinuance
will only apply to new Contracts and will not impact any Contracts already in force. ● If the Owner elects to pay the investment advisory fees from the Contract Value, this
may reduce the death benefit or other benefits under the contract, may be subject
to federal and state income taxes, and may be subject to a 10%
federal tax penalty. ● The availability of Contract benefits may vary depending on the broker-dealer through which the Contract is sold (see Appendix D: Financial Intermediary Variations in the statutory prospectus). |
| TAXES | |
| What Are the Contract’s
Tax Implications? |
● Consult with a tax professional to determine the tax implications of an investment in and
payments received under this Contract.
● If the Contract is purchased through a tax-qualified plan or IRA, there is no additional tax
deferral.
● Earnings in the Contract are taxed at ordinary income tax rates at the time of withdrawals and there may be a tax penalty if withdrawals are taken before the
Owner
reaches age 59½. See Taxes in the statutory prospectus. |
| CONFLICTS OF INTEREST | |
| How Are Investment
Professionals
Compensated? |
Some financial professionals receive compensation for selling the contract.
Compensation can take the form of indirect compensation in that the
Company may share the revenue it
earns on this contract with the financial professional’s firm. This conflict
of interest may influence a financial professional, as these financial
professionals may have a financial incentive to offer or recommend
this contract over another investment (see The Monument
Advisor Select® Variable
Annuity Contract in the statutory prospectus). |
| Should I Exchange My
Contract? |
Some financial professionals may have a financial incentive to offer an investor a new
contract in place of the one he/she already owns. An investor should only exchange
his/her contract if he/she determines, after comparing the features,
fees, and risks of both contracts, and any fees or penalties to
terminate the existing contract, that it is preferable for him/her to
purchase the new contract, rather than to continue to own the existing one (see The Monument Advisor Select® Variable
Annuity Contract in the statutory
prospectus). |
8
Benefits Under the Contract
The following tables summarize information about the benefits under the Contract. The Standard Benefits table
indicates the benefits that are available under the Contract and for which there is no additional charge. The Optional Benefits table indicates the benefits that are available under
the Contract that are optional – they must be affirmatively elected by the applicant and may have an additional charge. The availability of Contract benefits may vary depending on the broker-dealer through which the Contract is sold (see Appendix D:
Financial Intermediary Variations in the statutory prospectus).
Standard Benefits Table
| Name of Benefit |
Purpose |
Maximum
Fee |
Brief Description of Restrictions/Limitations
|
| Standard Death Benefit
(see Death Benefit in the statutory prospectus) |
Death benefit upon death of Owner prior to Annuity Period |
None |
|
| Rebalancing Program
(see Rebalancing Program in the statutory
prospectus) |
Automatic reallocation
of assets on a
predetermined
percentage basis |
None |
|
| Dollar Cost Averaging
Program (see Dollar Cost Averaging Program in the statutory
prospectus) |
Long-term transfer
program involving
automatic transfer of
assets |
None |
|
| Systematic Withdrawal
Program (see
Systematic Withdrawal
Program in the statutory prospectus) |
Automatic withdrawals
of Contract Value on a
periodic basis |
None |
|
Optional Benefits Table
| Name of Benefit |
Purpose |
Maximum
Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
| ROP Enhanced Death
Benefit Rider (see Death Benefit in the
statutory prospectus) |
Enhanced death benefit |
0.30% (daily
net assets) |
0.15% (daily
net assets) |
● Owner must be 80 or younger at application ● Must be elected at application
● Election is irrevocable ● Certain ownership changes and
assignments could eliminate the
death benefit
● Purchase Payments are limited to
$3,000,000 for one or more
Contracts with the ROP Enhanced Death Benefit Rider that use the
Measuring Life |
Buying the Contract
Purchase Payments
A Purchase Payment is the money you give Us to buy the
Contract. You can make Purchase
Payments at any time before the Annuity
Date. The minimum initial Purchase Payment
We will accept is $15,000. We reserve the right to issue a Contract for less than $15,000 with Our approval,
subject to the terms and conditions we may require. The maximum We
9
accept is $10,000,000 ($3,000,000 in total Purchase Payments across all Contracts with the same Measuring Life if the ROP Enhanced Death Benefit Rider is elected) without Our prior approval and will be subject to such terms and conditions as We may
require.
Jefferson National reserves the right to refuse any Purchase Payment. Jefferson National does not accept
Purchase Payments in the form of cash,
cash equivalents or checks payable in foreign currency or issued by non-U.S. financial institutions. Purchase
Payments made in the form of check, wire or EFT must be drawn upon the account of a U.S. financial
institution.
Subject to the maximum described above, you can make
additional Purchase Payments of any amount. However, we reserve the right to impose minimums on future Purchase Payments.
If mandated
under applicable law, the Company may be required to reject a Purchase Payment. The Company also may be required to provide additional information about an Owner’s account to government regulators. In addition, the Company may be required to block an
Owner’s account and thereby refuse to pay any request for transfers, full or partial withdrawals (including systematic withdrawals and withdrawals made to pay Advisor Fees), or death benefits until instructions are received from the appropriate regulator.
Allocation of Purchase Payments
You control where your Purchase Payments are invested.
On the application for a Contract, you may choose to have 100% of your initial Purchase Payment invested in the money
market Sub-Accounts. Alternatively, you may use a separate administrative form to select the Sub-Accounts in which
to invest your initial Purchase Payment. Any subsequent or additional Purchase Payments will be allocated based on
your Investment Allocation of Record. Please make sure your Investment Allocation of Record is kept current. The
Company imposes a Low Cost Fund Platform
Fee on Contract Value
invested in certain Sub-accounts that
invest in low cost Investment Portfolios. See Low Cost Fund Platform Fee in the
statutory prospectus for further details.
Once We receive your
Purchase Payment and the necessary information, We will issue your Contract and allocate your first Purchase Payment within 2 Business Days. If you do not provide Us all of the information needed, We will contact you. If for some reason We are unable to complete
this process within 5 Business Days, We will either send back your money or get your permission to keep it until We get all of the necessary information. The method of payment (e.g., check, wire transfer,
electronic funds transfer) may affect when your Purchase Payment is received by Us. If you add more money to your Contract by making additional Purchase Payments, We will credit these amounts to your
Contract as of the Business Day We receive your Purchase Payment. Our Business Day closes at the close of regular trading on the New York Stock Exchange.
Making Withdrawals: Accessing the Money in Your Contract
Access To Your Money
You can have access to the money in your Contract:
(1)
by making a withdrawal (either a partial or a complete withdrawal);
(2)
by electing to receive
Annuity Payments; or
(3)
when a death benefit is paid to your Beneficiary.
Withdrawals can only be made during the Accumulation Period.
When you make a complete withdrawal, you will receive the Contract Value on the Business Day We receive the withdrawal request, less any pro rata Subscription
Fees.
All partial withdrawals will be withdrawn from the Investment Portfolios on a pro-rata basis unless you instruct Us otherwise.
Jefferson National will pay the amount of any withdrawal from the Investment
Portfolios within 7 days of your request in good order unless the Suspension of Payments or Transfers provision described in in the statutory prospectus is in
effect.
A withdrawal may result in tax consequences (including an
additional 10% tax penalty under certain circumstances).
10
Additional Information About
Fees
The following tables describe the fees, expenses, and
adjustments that an Owner will pay when buying, owning, and surrendering or making withdrawals from an investment option or from the
Contract. Please refer to the contract specifications page for information about the specific fees the Owner will pay each year based on the options elected. The fees and expenses do not reflect any
investment advisory fees paid to financial professionals from Contract
Value or other assets owned by the Owner; of those charges were reflected, the fees and expenses would be higher.
The first table describes the fees and expenses an Owner will pay at the time the Owner buys the Contract, surrenders or makes withdrawals from an investment option or from the Contract, or transfers Contract Value between Investment Portfolios. State premium taxes may also be deducted.
| Transaction Expenses | |
| Maximum Transfer Fee1 |
$252
|
The next table describes the fees and expenses that an Owner will pay each year during the time that the Owner owns the Contract (not including underlying mutual fund fees and expenses). If an optional benefit is elected, an additional charge will be assessed, as shown below.
| Annual Contract Expenses | |
| Subscription Fee (assessed via monthly deductions) |
$2403 |
| Optional Benefit4
|
|
| Maximum ROP Enhanced Death Benefit Rider Fee (assessed as an annualized percentage of Contract daily net
assets) |
0.30%5
|
1
All transfers made on the same day involving the same Sub-account count as one transfer. Certain restrictions apply (see Excessive Trading Limits in the statutory prospectus).
2
Currently, We do not assess a Transfer Fee.
3
The annual Subscription
Fee is assessed via a monthly deduction of $20 per month.
4
Fees for the optional benefit will only be assessed prior to the Annuitization Date (see Expenses in the statutory prospectus).
5
Currently, the fee associated with the ROP Enhanced Death Benefit Rider is equal to 0.15% of the Contract daily net
assets.
The next item shows the minimum and maximum total operating expenses charged by the underlying mutual funds that the Owner may pay periodically during the life of the Contract. These amounts also include the maximum applicable Low Cost Fund Platform Fees if you choose to invest in certain Investment Portfolios (see Low Cost Fund Platform Fee in the statutory prospectus). Expenses shown
may change over time and may be higher or lower in the future. A complete list of the underlying mutual funds available under the Contract, including their annual expenses, may be found in Appendix: Investment Options Available Under the Contract.
| Annual Underlying Mutual Fund Expenses | ||
| |
Minimum |
Maximum |
| (Expenses that are deducted from underlying mutual fund assets, including Low Cost Fund Platform Fees and management fees, distribution and/or service (12b-1) fees, and
other expenses, as a percentage of average underlying mutual fund net
assets.) |
0.09% |
3.38% |
Example
This Example is intended to help Owners compare the cost of investing in the Sub-accounts with the cost of investing in other annuity Contracts that offer variable investment options. These costs include transaction expenses, annual Contract expenses, and annual underlying mutual fund expenses.The fees and expenses do not reflect
any investment advisory fees paid to financial professionals from Contract
Value or other assets owned by the Owner; if those charges were reflected, the fees and expenses would be
higher.
The Example assumes:
•
a $100,000 investment in the Contract for the time periods indicated;
11
•
a 5% return each year;
•
the maximum and the minimum annual underlying mutual fund expenses;
•
election of the ROP Enhanced Death Benefit Rider (0.30%).
| |
If the Contract is surrendered at the end of the
applicable time period |
If the Contract is annuitized at the end of the
applicable time period |
If the Contract is not surrendered
| |||||||||
| |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
| Maximum Annual Underlying
Mutual
Fund
Expenses (3.38%) |
$4,116
|
$12,457
|
$20,947
|
$42,837
|
* |
$12,457
|
$20,947
|
$42,837
|
$4,116
|
$12,457
|
$20,947
|
$42,837
|
| Minimum Annual Underlying Mutual
Fund
Expenses (0.09%) |
$662
|
$2,072
|
$3,607
|
$8,068
|
* |
$2,072
|
$3,607
|
$8,068
|
$662
|
$2,072
|
$3,607
|
$8,068 |
12
Appendix: Investment Options Available Under the Contract
The following is a list of the Investment Portfolios that are available under the Contract. More
information about the Investment Portfolios is available in the prospectuses for the Investment Portfolios, which may be amended from time to
time and can be found online at https://nationwide.onlineprospectus.net/NW/C000220422NW/index.php. This information can also be obtained at no cost by calling 1-866-667-0561 or by sending an email request to [email protected]. The availability of investment options may vary depending on the broker-dealer through which the Contract is sold (see Appendix D:
Financial Intermediary Variations in the statutory prospectus).
The current expenses and performance information below reflects fees and expenses of the Investment Portfolios, but do not reflect the other fees and expenses that the
Contract may charge, such as any Low Cost
Fund Platform Fee. Expenses would be higher and performance would be lower if these other charges were
included. Each Investment
Portfolio’s past performance is not necessarily an indication of future performance.
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Real Assets |
Advisors Preferred Trust -
Quantified Gold Futures Tracking
Portfolio (formerly, Advisors
Preferred Trust - Gold Bullion
Strategy Portfolio)
Investment Advisor: Advisors
Preferred, LLC
Sub-Advisor: Flexible Plan
Investments, Ltd. |
1.63% |
0.00% |
1.63% |
59.59% |
14.40% |
12.14% |
| Equity |
Alger Capital Appreciation
Portfolio: Class I-2 Shares
Investment Advisor: Fred Alger
Management, LLC |
0.94% |
0.00% |
0.94% |
32.87% |
16.33% |
18.17% |
| Equity |
Alger Large Cap Growth
Portfolio: Class I-2 Shares
Investment Advisor: Fred Alger
Management, LLC |
0.81%* |
0.00% |
0.81% |
30.27% |
11.12% |
16.73% |
| Equity |
Alger Mid Cap Growth Portfolio:
Class I-2 Shares
Investment Advisor: Fred Alger
Management, LLC |
0.90%* |
0.00% |
0.90% |
16.76% |
3.01% |
11.68% |
| Equity |
AllianceBernstein Variable
Products Series Fund, Inc. - AB
VPS Discovery Value Portfolio:
Class B
Investment Advisor:
AllianceBernstein L.P. |
1.07% |
0.00% |
1.07% |
2.64% |
8.48% |
8.27% |
| Equity |
AllianceBernstein Variable
Products Series Fund, Inc. - AB
VPS Relative Value Portfolio:
Class A
Investment Advisor:
AllianceBernstein L.P. |
0.59%* |
0.00% |
0.59% |
10.47% |
11.42% |
10.57% |
| Allocation |
ALPS Variable Investment Trust -
Morningstar Aggressive Growth
ETF Asset Allocation Portfolio:
Class II
Investment Advisor: ALPS Advisors,
Inc.
Sub-Advisor: Morningstar
Investment Management LLC |
0.85% |
0.00% |
0.85% |
20.00% |
10.55% |
10.36% |
13
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Allocation |
ALPS Variable Investment Trust -
Morningstar Balanced ETF Asset
Allocation Portfolio: Class II
Investment Advisor: ALPS Advisors,
Inc.
Sub-Advisor: Morningstar
Investment Management LLC |
0.84% |
0.00% |
0.84% |
14.82% |
6.61% |
7.25% |
| Allocation |
ALPS Variable Investment Trust -
Morningstar Conservative ETF
Asset Allocation Portfolio: Class
II
Investment Advisor: ALPS Advisors,
Inc.
Sub-Advisor: Morningstar
Investment Management LLC |
0.83%* |
0.00% |
0.83% |
8.82% |
2.19% |
3.50% |
| Allocation |
ALPS Variable Investment Trust -
Morningstar Growth ETF Asset
Allocation Portfolio: Class II
Investment Advisor: ALPS Advisors,
Inc.
Sub-Advisor: Morningstar
Investment Management LLC |
0.82% |
0.00% |
0.82% |
17.91% |
8.82% |
9.05% |
| Allocation |
ALPS Variable Investment Trust -
Morningstar Income & Growth
ETF Asset Allocation Portfolio:
Class II
Investment Advisor: ALPS Advisors,
Inc.
Sub-Advisor: Morningstar
Investment Management LLC |
0.84%* |
0.00% |
0.84% |
11.70% |
4.43% |
5.46% |
| Fixed Income |
American Funds Insurance
Series® - American Funds
Mortgage Fund: Class 4
Investment Advisor: Capital
Research and Management
Company |
0.81%* |
0.00% |
0.81% |
8.32% |
0.06% |
1.43% |
| Fixed Income |
American Funds Insurance
Series® - American High-Income
Trust: Class 4
Investment Advisor: Capital
Research and Management
Company |
0.83%* |
0.00% |
0.83% |
7.94% |
5.33% |
6.68% |
| Allocation |
American Funds Insurance
Series® - Asset Allocation Fund:
Class 4
Investment Advisor: Capital
Research and Management
Company |
0.79% |
0.00% |
0.79% |
15.59% |
8.70% |
9.50% |
| Allocation |
American Funds Insurance
Series® - Capital Income
Builder®: Class 4
Investment Advisor: Capital
Research and Management
Company |
0.78%* |
0.00% |
0.78% |
20.16% |
8.82% |
7.32% |
14
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Fixed Income |
American Funds Insurance
Series® - Capital World Bond
Fund: Class 4
Investment Advisor: Capital
Research and Management
Company |
0.98% |
0.00% |
0.98% |
9.03% |
-2.76% |
0.97% |
| Equity |
American Funds Insurance
Series® - Capital World Growth &
Income Fund: Class 4
Investment Advisor: Capital
Research and Management
Company |
0.92%* |
0.00% |
0.92% |
24.46% |
10.01% |
10.74% |
| Equity |
American Funds Insurance
Series® - Global Growth Fund:
Class 4
Investment Advisor: Capital
Research and Management
Company |
0.91%* |
0.00% |
0.91% |
21.34% |
7.97% |
11.89% |
| Equity |
American Funds Insurance
Series® - Global Small
Capitalization Fund: Class 4
Investment Advisor: Capital
Research and Management
Company |
1.15%* |
0.00% |
1.15% |
14.33% |
0.23% |
6.96% |
| Equity |
American Funds Insurance
Series® - Growth Fund: Class 4
Investment Advisor: Capital
Research and Management
Company |
0.84% |
0.00% |
0.84% |
19.93% |
13.09% |
17.67% |
| Equity |
American Funds Insurance
Series® - Growth-Income Fund:
Class 4
Investment Advisor: Capital
Research and Management
Company |
0.78% |
0.00% |
0.78% |
17.77% |
13.62% |
13.63% |
| Equity |
American Funds Insurance
Series® - International Growth &
Income Fund: Class 4
Investment Advisor: Capital
Research and Management
Company |
1.06% |
0.00% |
1.06% |
35.09% |
7.42% |
7.54% |
| Allocation |
American Funds Insurance
Series® - Managed Risk Asset
Allocation Fund: Class P2
Investment Advisor: Capital
Research and Management
Company
Sub-Advisor: Milliman Financial Risk
Management, LLC |
0.90% |
0.00% |
0.90% |
11.65% |
6.43% |
7.17% |
| Allocation |
American Funds Insurance
Series® - Managed Risk
Washington Mutual Investors
Fund: Class P2
Investment Advisor: Capital
Research and Management
Company
Sub-Advisor: Milliman Financial Risk
Management, LLC |
0.88% |
0.00% |
0.88% |
10.65% |
8.04% |
7.18% |
15
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
American Funds Insurance
Series® - New World Fund®:
Class 4
Investment Advisor: Capital
Research and Management
Company |
1.07%* |
0.00% |
1.07% |
27.93% |
5.06% |
8.98% |
| Fixed Income |
American Funds Insurance
Series® - The Bond Fund of
America: Class 4
Investment Advisor: Capital
Research and Management
Company |
0.73%* |
0.00% |
0.73% |
6.98% |
-0.38% |
2.11% |
| Fixed Income |
American Funds Insurance
Series® - U.S. Government
Securities Fund: Class 4
Investment Advisor: Capital
Research and Management
Company |
0.75%* |
0.00% |
0.75% |
7.54% |
-0.49% |
1.45% |
| Equity |
American Funds Insurance
Series® - Washington Mutual
Investors Fund: Class 4
Investment Advisor: Capital
Research and Management
Company |
0.75%* |
0.00% |
0.75% |
16.90% |
13.60% |
12.08% |
| Fixed Income |
BlackRock Variable Series Funds
II, Inc. - BlackRock High Yield V.I.
Fund: Class III
Investment Advisor: BlackRock
Advisors, LLC
Sub-Advisor: BlackRock
International Limited |
0.78%* |
0.00% |
0.78% |
8.52% |
4.47% |
6.02% |
| Fixed Income |
BlackRock Variable Series Funds
II, Inc. - BlackRock Total Return
V.I. Fund: Class III
Investment Advisor: BlackRock
Advisors, LLC
Sub-Advisor: BlackRock
International Limited and BlackRock
(Singapore) Limited |
0.74%* |
0.00% |
0.74% |
7.14% |
-0.75% |
1.82% |
| Equity |
BlackRock Variable Series Funds,
Inc. - BlackRock Advantage Large
Cap Core V.I. Fund: Class III
Investment Advisor: BlackRock
Advisors, LLC |
0.92%* |
0.00% |
0.92% |
19.73% |
13.85% |
14.08% |
| Equity |
BlackRock Variable Series Funds,
Inc. - BlackRock Advantage Large
Cap Value V.I. Fund: Class III
Investment Advisor: BlackRock
Advisors, LLC |
0.85%* |
0.00% |
0.85% |
17.99% |
12.42% |
10.85% |
| Equity |
BlackRock Variable Series Funds,
Inc. - BlackRock Equity Dividend
V.I. Fund: Class III
Investment Advisor: BlackRock
Advisors, LLC |
0.93%* |
0.00% |
0.93% |
21.32% |
11.45% |
11.01% |
16
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Allocation |
BlackRock Variable Series Funds,
Inc. - BlackRock Global
Allocation V.I. Fund: Class III
Investment Advisor: BlackRock
Advisors, LLC
Sub-Advisor: BlackRock
International Limited and BlackRock
(Singapore) Limited |
1.01%* |
0.00% |
1.01% |
19.51% |
5.51% |
7.33% |
| Equity |
BlackRock Variable Series Funds,
Inc. - BlackRock Large Cap Focus
Growth V.I. Fund: Class III
Investment Advisor: BlackRock
Advisors, LLC |
1.02%* |
0.00% |
1.02% |
11.48% |
10.19% |
15.98% |
| Equity |
BNY Mellon Investment Portfolios
- Small Cap Stock Index Portfolio:
Service Shares
Investment Advisor: BNY Mellon
Investment Adviser, Inc. |
0.61% |
0.00% |
0.61% |
5.36% |
6.65% |
9.15% |
| Equity |
BNY Mellon Stock Index Fund,
Inc.: Initial Shares
Investment Advisor: BNY Mellon
Investment Adviser, Inc.
Sub-Advisor: Mellon Investments
Corporation |
0.27% |
0.30% |
0.57% |
17.53% |
14.12% |
14.52% |
| Allocation |
Calvert Variable Series, Inc. -
Calvert VP SRI Balanced
Portfolio: Class F
Investment Advisor: Calvert
Research and Management |
0.90% |
0.00% |
0.90% |
11.68% |
8.44% |
9.51% |
| Equity |
Columbia Funds Variable
Insurance Trust - Columbia
Variable Portfolio - Small
Company Growth Fund: Class 1
(formerly, Columbia Funds
Variable Series Trust II -
Columbia Variable Portfolio -
Select Small Cap Value Fund:
Class 1)
Investment Advisor: Columbia
Management Investment Advisors,
LLC |
0.85%* |
0.00% |
0.85% |
6.59% |
8.94% |
8.23% |
| Fixed Income |
Columbia Funds Variable
Insurance Trust - Columbia
Variable Portfolio - Strategic
Income Fund: Class 2
Investment Advisor: Columbia
Management Investment Advisors,
LLC |
0.94%* |
0.00% |
0.94% |
6.88% |
1.87% |
3.99% |
| Real Assets |
Columbia Funds Variable Series
Trust II - Columbia Variable
Portfolio - Commodity Strategy
Fund: Class 2
Investment Advisor: Columbia
Management Investment Advisors,
LLC |
1.00%* |
0.00% |
1.00% |
15.30% |
12.44% |
6.46% |
17
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Fixed Income |
Columbia Funds Variable Series
Trust II - Columbia Variable
Portfolio - High Yield Bond Fund:
Class 2
Investment Advisor: Columbia
Management Investment Advisors,
LLC |
0.89%* |
0.00% |
0.89% |
8.49% |
3.93% |
5.51% |
| Fixed Income |
Columbia Funds Variable Series
Trust II - Columbia Variable
Portfolio - Select Corporate
Income Fund: Class 2
Investment Advisor: Columbia
Management Investment Advisors,
LLC |
0.72%* |
0.00% |
0.72% |
7.55% |
1.20% |
1.94% |
| Equity |
Columbia Funds Variable Series
Trust II - Columbia Variable
Portfolio - Select Large Cap Value
Fund: Class 1
Investment Advisor: Columbia
Management Investment Advisors,
LLC |
0.69% |
0.00% |
0.69% |
28.27% |
13.59% |
12.58% |
| Equity |
Columbia Funds Variable Series
Trust II - Columbia Variable
Portfolio - Select Mid Cap Growth
Fund: Class 2
Investment Advisor: Columbia
Management Investment Advisors,
LLC |
1.07%* |
0.00% |
1.07% |
14.86% |
7.26% |
11.89% |
| Fixed Income |
Columbia Funds Variable Series
Trust II - Columbia Variable
Portfolio - Select Short Corporate
Income Fund: Class 2
Investment Advisor: Columbia
Management Investment Advisors,
LLC |
0.66%* |
0.00% |
0.66% |
6.00% |
1.90% |
2.94% |
| Equity |
Columbia Funds Variable Series
Trust II - Columbia Variable
Portfolio - Seligman Global
Technology: Class 2 (formerly,
Columbia Funds Variable
Insurance Trust II - Columbia
Variable Portfolio - Seligman
Global Technology: Class 2)
Investment Advisor: Columbia
Management Investment Advisors,
LLC |
1.18%* |
0.00% |
1.18% |
34.37% |
18.42% |
22.70% |
| Equity |
Delaware VIP Trust - Nomura VIP
Small Cap Value Series: Service
Class
Investment Advisor: Delaware
Management Company, a series of
Nomura Investment Management
Business Trust (a Delaware
statutory trust) |
1.04% |
0.00% |
1.04% |
7.83% |
8.93% |
8.84% |
18
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Alternative Strategies |
Deutsche DWS Variable Series II -
DWS Alternative Asset Allocation
VIP: Class B
Investment Advisor: DWS
Investment Management Americas,
Inc.
Sub-Advisor: RREEF America
L.L.C. |
1.26% |
0.00% |
1.26% |
10.03% |
4.88% |
4.52% |
| Equity |
DFA Investment Dimensions
Group Inc. - Dimensional VA
Equity Allocation Portfolio:
Institutional Class
Investment Advisor: Dimensional
Fund Advisors LP
Sub-Advisor: Dimensional Fund
Advisors Ltd. And DFA Australia
Limited |
0.31%* |
0.30% |
0.61% |
19.94% |
12.23% |
|
| Fixed Income |
DFA Investment Dimensions
Group Inc. - Dimensional VA
Global Bond Portfolio
Investment Advisor: Dimensional
Fund Advisors LP
Sub-Advisor: Dimensional Fund
Advisors Ltd. And DFA Australia
Limited |
0.21% |
0.30% |
0.51% |
4.35% |
1.38% |
1.81% |
| Allocation |
DFA Investment Dimensions
Group Inc. - Dimensional VA
Global Moderate Allocation
Portfolio: Institutional Class
Investment Advisor: Dimensional
Fund Advisors LP |
0.28%* |
0.30% |
0.58% |
14.68% |
8.42% |
8.65% |
| Equity |
DFA Investment Dimensions
Group Inc. - Dimensional VA
International Small Portfolio
Investment Advisor: Dimensional
Fund Advisors LP
Sub-Advisor: Dimensional Fund
Advisors Ltd. And DFA Australia
Limited |
0.39% |
0.30% |
0.69% |
36.99% |
8.89% |
8.68% |
| Equity |
DFA Investment Dimensions
Group Inc. - Dimensional VA
International Value Portfolio
Investment Advisor: Dimensional
Fund Advisors LP
Sub-Advisor: Dimensional Fund
Advisors Ltd. And DFA Australia
Limited |
0.27% |
0.30% |
0.57% |
45.64% |
15.85% |
10.46% |
| Fixed Income |
DFA Investment Dimensions
Group Inc. - Dimensional VA
Short-Term Fixed Portfolio
Investment Advisor: Dimensional
Fund Advisors LP
Sub-Advisor: Dimensional Fund
Advisors Ltd. And DFA Australia
Limited |
0.12% |
0.30% |
0.42% |
4.33% |
2.65% |
1.97% |
19
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
DFA Investment Dimensions
Group Inc. - Dimensional VA U.S.
Large Value Portfolio
Investment Advisor: Dimensional
Fund Advisors LP |
0.21% |
0.30% |
0.51% |
15.83% |
11.97% |
10.51% |
| Equity |
DFA Investment Dimensions
Group Inc. - Dimensional VA U.S.
Targeted Value Portfolio
Investment Advisor: Dimensional
Fund Advisors LP |
0.29% |
0.30% |
0.59% |
8.95% |
13.60% |
11.00% |
| Fixed Income |
Federated Hermes Insurance
Series - Federated Hermes High
Income Bond Fund II: Primary
Shares
Investment Advisor: Federated
Investment Management Company |
0.81%* |
0.00% |
0.81% |
8.23% |
3.70% |
5.59% |
| Allocation |
Fidelity Variable Insurance
Products Fund - VIP Balanced
Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.66% |
0.00% |
0.66% |
14.96% |
9.24% |
10.84% |
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Contrafund®
Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.79% |
0.00% |
0.79% |
21.19% |
15.08% |
15.49% |
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Disciplined
Small Cap Portfolio: Service
Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC |
0.57% |
0.00% |
0.57% |
17.09% |
10.09% |
10.31% |
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Energy
Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.85% |
0.00% |
0.85% |
10.34% |
23.86% |
7.69% |
20
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Equity-
Income Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.71% |
0.00% |
0.71% |
18.75% |
12.23% |
11.32% |
| Fixed Income |
Fidelity Variable Insurance
Products Fund - VIP Floating Rate
High Income Portfolio: Initial
Class
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.73% |
0.00% |
0.73% |
5.33% |
6.06% |
5.44% |
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Growth &
Income Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.72% |
0.00% |
0.72% |
21.21% |
15.83% |
13.56% |
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Growth
Opportunities Portfolio: Service
Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.81% |
0.00% |
0.81% |
21.65% |
11.03% |
19.64% |
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Growth
Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.80% |
0.00% |
0.80% |
14.61% |
13.41% |
17.15% |
21
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Fixed Income |
Fidelity Variable Insurance
Products Fund - VIP High Income
Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
1.06%* |
0.00% |
1.06% |
10.31% |
4.00% |
5.34% |
| Equity |
Fidelity Variable Insurance
Products Fund - VIP International
Capital Appreciation Portfolio:
Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FIL Investment
Advisors, FIL Investment Advisors
(UK) Limited, FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
1.02% |
0.00% |
1.02% |
18.36% |
5.99% |
9.53% |
| Fixed Income |
Fidelity Variable Insurance
Products Fund - VIP Investment
Grade Bond Portfolio: Service
Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.62% |
0.00% |
0.62% |
6.93% |
-0.21% |
2.45% |
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Mid Cap
Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.80% |
0.00% |
0.80% |
11.49% |
9.83% |
10.31% |
22
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Overseas
Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FIL Investment
Advisors, FIL Investment Advisors
(UK) Limited, FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.97% |
0.00% |
0.97% |
20.05% |
6.35% |
7.66% |
| Fixed Income |
Fidelity Variable Insurance
Products Fund - VIP Strategic
Income Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FIL Investment
Advisors, FIL Investment Advisors
(UK) Limited, FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.88% |
0.00% |
0.88% |
8.58% |
2.79% |
4.40% |
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Value
Portfolio: Service Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.70% |
0.00% |
0.70% |
10.95% |
12.82% |
10.96% |
| Equity |
Fidelity Variable Insurance
Products Fund - VIP Value
Strategies Portfolio: Service
Class 2
Investment Advisor: Fidelity
Management & Research Company
LLC
Sub-Advisor: FMR Investment
Management (UK) Limited, Fidelity
Management & Research (Hong
Kong) Limited, Fidelity Management
& Research (Japan) Limited |
0.84% |
0.00% |
0.84% |
7.70% |
11.87% |
10.54% |
| Equity |
First Eagle Variable Funds -
Overseas Variable Fund
Investment Advisor: First Eagle
Investment Management, LLC |
1.21%* |
0.00% |
1.21% |
37.47% |
9.02% |
7.61% |
| Equity |
Franklin Templeton Variable
Insurance Products Trust -
Franklin Global Real Estate VIP
Fund: Class 2
Investment Advisor: Franklin
Advisers, Inc. |
1.25%* |
0.00% |
1.25% |
7.93% |
2.36% |
3.03% |
23
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
Franklin Templeton Variable
Insurance Products Trust -
Franklin Rising Dividends VIP
Fund: Class 2
Investment Advisor: Franklin
Advisers, Inc. |
0.89% |
0.00% |
0.89% |
11.80% |
9.50% |
12.10% |
| Fixed Income |
Franklin Templeton Variable
Insurance Products Trust -
Franklin U.S. Government
Securities VIP Fund: Class 2
Investment Advisor: Franklin
Advisers, Inc. |
0.79% |
0.00% |
0.79% |
6.69% |
0.02% |
1.14% |
| Equity |
Goldman Sachs Variable
Insurance Trust - Goldman Sachs
Mid Cap Growth Fund: Service
Shares
Investment Advisor: Goldman Sachs
Asset Management, L.P. |
0.98%* |
0.00% |
0.98% |
7.36% |
4.68% |
11.59% |
| Fixed Income |
Guggenheim Variable Funds
Trust - Series E (Total Return
Bond Series)
Investment Advisor: Guggenheim
Investments |
0.91%* |
0.00% |
0.91% |
7.48% |
-0.21% |
3.13% |
| Fixed Income |
Guggenheim Variable Funds
Trust - Series F (Floating Rate
Strategies Series)
Investment Advisor: Guggenheim
Investments |
1.15%* |
0.00% |
1.15% |
3.57% |
4.56% |
4.13% |
| Equity |
Invesco - Invesco V.I. American
Value Fund: Series II Shares
Investment Advisor: Invesco
Advisers, Inc. |
1.14% |
0.00% |
1.14% |
20.76% |
17.56% |
12.01% |
| Equity |
Invesco - Invesco V.I. Comstock
Fund: Series I Shares
Investment Advisor: Invesco
Advisers, Inc. |
0.75% |
0.00% |
0.75% |
17.44% |
15.43% |
11.95% |
| Fixed Income |
Invesco - Invesco V.I. Core Plus
Bond Fund: Series I Shares
Investment Advisor: Invesco
Advisers, Inc. |
0.62%* |
0.00% |
0.62% |
7.09% |
-0.11% |
2.99% |
| Equity |
Invesco - Invesco V.I. Discovery
Mid Cap Growth Fund: Series II
Investment Advisor: Invesco
Advisers, Inc. |
1.11% |
0.00% |
1.11% |
4.53% |
3.64% |
11.10% |
| Allocation |
Invesco - Invesco V.I. Equity and
Income Fund: Series I Shares
Investment Advisor: Invesco
Advisers, Inc. |
0.57% |
0.00% |
0.57% |
12.81% |
8.94% |
8.92% |
| Fixed Income |
Invesco - Invesco V.I. Global
Strategic Income Fund: Series II
Investment Advisor: Invesco
Advisers, Inc. |
1.20%* |
0.00% |
1.20% |
12.75% |
1.39% |
2.76% |
| Fixed Income |
Invesco - Invesco V.I.
Government Securities Fund:
Series I Shares
Investment Advisor: Invesco
Advisers, Inc. |
0.70% |
0.00% |
0.70% |
7.37% |
0.04% |
1.60% |
24
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
Invesco - Invesco V.I. Growth and
Income Fund: Series I Shares
Investment Advisor: Invesco
Advisers, Inc. |
0.75% |
0.00% |
0.75% |
15.62% |
12.85% |
10.73% |
| Equity |
Invesco - Invesco V.I. Health Care
Fund: Series I Shares
Investment Advisor: Invesco
Advisers, Inc. |
0.99% |
0.00% |
0.99% |
15.33% |
3.80% |
6.58% |
| Fixed Income |
Invesco - Invesco V.I. High Yield
Fund: Series I Shares
Investment Advisor: Invesco
Advisers, Inc. |
0.92% |
0.00% |
0.92% |
6.73% |
3.64% |
4.83% |
| Equity |
Invesco - Invesco V.I. Technology
Fund: Series I Shares
Investment Advisor: Invesco
Advisers, Inc. |
0.96% |
0.00% |
0.96% |
20.47% |
10.30% |
15.78% |
| Allocation |
Ivy Variable Insurance Portfolios -
Nomura VIP Asset Strategy
Series: Service Class
Investment Advisor: Delaware
Management Company, a series of
Nomura Investment Management
Business Trust (a Delaware
statutory trust)
Sub-Advisor: Macquarie Investment
Management Global Limited |
0.77%* |
0.00% |
0.77% |
16.66% |
7.07% |
7.84% |
| Allocation |
Ivy Variable Insurance Portfolios -
Nomura VIP Balanced Series:
Service Class
Investment Advisor: Delaware
Management Company, a series of
Nomura Investment Management
Business Trust (a Delaware
statutory trust)
Sub-Advisor: Macquarie Investment
Management Global Limited |
1.03%* |
0.00% |
1.03% |
11.79% |
7.85% |
8.38% |
| Equity |
Ivy Variable Insurance Portfolios -
Nomura VIP Energy Series:
Service Class
Investment Advisor: Delaware
Management Company, a series of
Nomura Investment Management
Business Trust (a Delaware
statutory trust)
Sub-Advisor: Van Eck Associates
Corporation |
1.10%* |
0.00% |
1.10% |
11.89% |
18.61% |
1.74% |
| Equity |
Ivy Variable Insurance Portfolios -
Nomura VIP Natural Resources
Series: Service Class
Investment Advisor: Delaware
Management Company, a series of
Nomura Investment Management
Business Trust (a Delaware
statutory trust)
Sub-Advisor: Van Eck Associates
Corporation |
1.12%* |
0.00% |
1.12% |
37.75% |
15.73% |
6.94% |
25
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
Ivy Variable Insurance Portfolios -
Nomura VIP Science and
Technology Series: Service Class
Investment Advisor: Delaware
Management Company, a series of
Nomura Investment Management
Business Trust (a Delaware
statutory trust) |
1.15% |
0.00% |
1.15% |
33.36% |
13.71% |
17.20% |
| Allocation |
Janus Aspen Series - Janus
Henderson Balanced Portfolio:
Institutional Shares
Investment Advisor: Janus
Henderson Investors US LLC |
0.62% |
0.00% |
0.62% |
15.11% |
8.48% |
10.14% |
| Equity |
Janus Aspen Series - Janus
Henderson Enterprise Portfolio:
Institutional Shares
Investment Advisor: Janus
Henderson Investors US LLC |
0.72% |
0.00% |
0.72% |
7.67% |
7.62% |
12.79% |
| Fixed Income |
Janus Aspen Series - Janus
Henderson Flexible Bond
Portfolio: Service Shares
Investment Advisor: Janus
Henderson Investors US LLC |
0.82%* |
0.00% |
0.82% |
7.22% |
-0.47% |
2.07% |
| Equity |
Janus Aspen Series - Janus
Henderson Forty Portfolio:
Institutional Shares
Investment Advisor: Janus
Henderson Investors US LLC |
0.62% |
0.00% |
0.62% |
18.14% |
11.65% |
16.24% |
| Equity |
Janus Aspen Series - Janus
Henderson Global Research
Portfolio: Institutional Shares
Investment Advisor: Janus
Henderson Investors US LLC |
0.82% |
0.00% |
0.82% |
20.92% |
12.51% |
12.93% |
| Equity |
Janus Aspen Series - Janus
Henderson Global Sustainable
Equity Portfolio: Institutional
Shares
Investment Advisor: Janus
Henderson Investors US LLC |
0.74%* |
0.00% |
0.74% |
17.46% |
|
|
| Equity |
Janus Aspen Series - Janus
Henderson Overseas Portfolio:
Institutional Shares
Investment Advisor: Janus
Henderson Investors US LLC |
0.72% |
0.00% |
0.72% |
28.87% |
9.44% |
9.24% |
| Equity |
Janus Aspen Series - Janus
Henderson Research Portfolio:
Institutional Shares
Investment Advisor: Janus
Henderson Investors US LLC |
0.82% |
0.00% |
0.82% |
18.39% |
14.11% |
15.88% |
| Equity |
John Hancock Variable Insurance
Trust - Disciplined Value
Emerging Markets Equity Trust:
Series NAV
Investment Advisor: John Hancock
Variable Trust Advisers LLC
Sub-Advisor: Boston Partners
Global Investors, Inc. |
0.99%* |
0.10% |
1.09% |
32.00% |
7.83% |
8.56% |
26
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
Legg Mason Partners Variable
Equity Trust - ClearBridge
Variable Small Cap Growth
Portfolio: Class II
Investment Advisor: Franklin
Templeton Fund Adviser, LLC
Sub-Advisor: ClearBridge
Investments, LLC |
1.06% |
0.00% |
1.06% |
8.97% |
-0.42% |
9.11% |
| Fixed Income |
Lord Abbett Series Fund, Inc. -
Bond Debenture Portfolio: Class
VC
Investment Advisor: Lord, Abbett &
Co. LLC |
0.98% |
0.00% |
0.98% |
8.32% |
2.09% |
4.72% |
| Equity |
Lord Abbett Series Fund, Inc. -
Dividend Growth Portfolio: Class
VC
Investment Advisor: Lord, Abbett &
Co. LLC |
0.99%* |
0.00% |
0.99% |
15.98% |
12.34% |
13.06% |
| Equity |
Lord Abbett Series Fund, Inc. -
Growth and Income Portfolio:
Class VC
Investment Advisor: Lord, Abbett &
Co. LLC |
0.93% |
0.00% |
0.93% |
17.29% |
13.35% |
11.12% |
| Equity |
MFS® Variable Insurance Trust -
MFS Growth Series: Service
Class
Investment Advisor: Massachusetts
Financial Services Company |
0.98%* |
0.00% |
0.98% |
11.90% |
10.82% |
15.31% |
| Equity |
MFS® Variable Insurance Trust -
MFS New Discovery Series:
Service Class
Investment Advisor: Massachusetts
Financial Services Company |
1.12%* |
0.00% |
1.12% |
12.56% |
-0.54% |
10.46% |
| Equity |
MFS® Variable Insurance Trust -
MFS Value Series: Service Class
Investment Advisor: Massachusetts
Financial Services Company |
0.94%* |
0.00% |
0.94% |
12.77% |
9.69% |
9.77% |
| Equity |
MFS® Variable Insurance Trust II
- MFS International Growth
Portfolio: Service Class
Investment Advisor: Massachusetts
Financial Services Company |
1.13%* |
0.00% |
1.13% |
20.81% |
6.80% |
9.60% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT Allspring Discovery
Fund: Class II
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Allspring Global
Investments, LLC |
1.08%* |
0.00% |
1.08% |
5.62% |
-2.35% |
9.38% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT BNY Mellon Dynamic
U.S. Core Fund: Class I
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Newton Investment
Management Limited |
0.62%* |
0.00% |
0.62% |
17.18% |
12.58% |
14.44% |
27
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
Nationwide Variable Insurance
Trust - NVIT BNY Mellon Dynamic
U.S. Equity Income: Class X
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Newton Investment
Management Limited |
0.63%* |
0.00% |
0.63% |
18.81% |
14.80% |
11.79% |
| Fixed Income |
Nationwide Variable Insurance
Trust - NVIT Bond Index Fund:
Class Y
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: BlackRock Investment
Management, LLC |
0.24% |
0.00% |
0.24% |
7.06% |
-0.59% |
1.79% |
| Fixed Income |
Nationwide Variable Insurance
Trust - NVIT DoubleLine Total
Return Tactical Fund: Class Y
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: DoubleLine Capital LP |
0.58%* |
0.00% |
0.58% |
7.69% |
0.62% |
|
| Equity |
Nationwide Variable Insurance
Trust - NVIT Fidelity Institutional
AM® Emerging Markets Fund:
Class I
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: FIAM LLC |
1.12%* |
0.00% |
1.12% |
36.15% |
1.01% |
6.31% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT Fidelity Institutional
AM® Worldwide Fund: Class II
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: FIAM LLC |
1.05%* |
0.00% |
1.05% |
|
|
|
| Capital Preservation |
Nationwide Variable Insurance
Trust - NVIT Government Money
Market Fund: Class Y
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Federated Investment
Management Company |
0.32% |
0.00% |
0.32% |
4.07% |
3.06% |
1.93% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT International Equity
Fund: Class I
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Lazard Asset
Management LLC |
0.88%* |
0.00% |
0.88% |
39.29% |
12.79% |
9.94% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT International Index
Fund: Class Y
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: BlackRock Investment
Management, LLC |
0.32% |
0.00% |
0.32% |
30.94% |
8.68% |
8.07% |
28
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Allocation |
Nationwide Variable Insurance
Trust - NVIT Investor Destinations
Capital Appreciation Fund: Class
P
Investment Advisor: Nationwide
Fund Advisors |
0.82% |
0.00% |
0.82% |
15.88% |
6.75% |
8.02% |
| Allocation |
Nationwide Variable Insurance
Trust - NVIT Investor Destinations
Moderate Fund: Class P
Investment Advisor: Nationwide
Fund Advisors |
0.82% |
0.00% |
0.82% |
14.68% |
5.83% |
7.09% |
| Fixed Income |
Nationwide Variable Insurance
Trust - NVIT iShares® Fixed
Income ETF Fund: Class Y
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: BlackRock Investment
Management, LLC |
0.22%* |
0.00% |
0.22% |
6.88% |
-0.46% |
|
| Equity |
Nationwide Variable Insurance
Trust - NVIT iShares® Global
Equity ETF Fund: Class Y
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: BlackRock Investment
Management, LLC |
0.25%* |
0.00% |
0.25% |
18.57% |
11.40% |
|
| Equity |
Nationwide Variable Insurance
Trust - NVIT J.P. Morgan Digital
Evolution Strategy Fund: Class II
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: J.P. Morgan Investment
Management Inc. |
0.96%* |
0.00% |
0.96% |
32.66% |
|
|
| Equity |
Nationwide Variable Insurance
Trust - NVIT J.P. Morgan Equity
and Options Total Return Fund:
Class I
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: J.P. Morgan Investment
Management Inc. |
0.79% |
0.00% |
0.79% |
16.49% |
9.85% |
11.85% |
| Fixed Income |
Nationwide Variable Insurance
Trust - NVIT J.P. Morgan Inflation
Managed Fund: Class II
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: J.P. Morgan Investment
Management Inc. |
0.75%* |
0.00% |
0.75% |
|
|
|
| Equity |
Nationwide Variable Insurance
Trust - NVIT Jacobs Levy Large
Cap Growth Fund: Class I
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Jacobs Levy Equity
Management, Inc. |
0.70%* |
0.00% |
0.70% |
14.20% |
19.09% |
18.02% |
29
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Fixed Income |
Nationwide Variable Insurance
Trust - NVIT Loomis Core Bond
Fund: Class Y
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Loomis, Sayles &
Company, L.P. |
0.43% |
0.00% |
0.43% |
7.03% |
-0.62% |
2.23% |
| Fixed Income |
Nationwide Variable Insurance
Trust - NVIT Loomis Short Term
Bond Fund: Class I
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Loomis, Sayles &
Company, L.P. |
0.55% |
0.00% |
0.55% |
5.70% |
2.13% |
2.38% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT Mid Cap Index Fund:
Class Y
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: BlackRock Investment
Management, LLC |
0.26% |
0.00% |
0.26% |
7.27% |
8.87% |
10.46% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT NASDAQ-100 Index
Fund: Class II
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: BlackRock Investment
Management, LLC |
0.72%* |
0.00% |
0.72% |
|
|
|
| Equity |
Nationwide Variable Insurance
Trust - NVIT Putnam International
Value Fund: Class X
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Putnam Investment
Management, LLC |
0.83%* |
0.00% |
0.83% |
35.21% |
11.20% |
7.72% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT S&P 500 Index Fund:
Class Y
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: BlackRock Investment
Management, LLC |
0.16% |
0.00% |
0.16% |
17.70% |
14.25% |
14.64% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT Small Cap Index
Fund: Class Y
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: BlackRock Investment
Management, LLC |
0.25% |
0.00% |
0.25% |
12.54% |
5.91% |
9.46% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT Small Cap Value
Fund: Class I
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Jacobs Levy Equity
Management, Inc. |
1.06%* |
0.00% |
1.06% |
2.17% |
8.01% |
7.69% |
30
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Fixed Income |
Nationwide Variable Insurance
Trust - NVIT Strategic Income
Fund: Class I
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Amundi Asset
Management, US |
0.80% |
0.00% |
0.80% |
7.56% |
5.81% |
5.45% |
| Equity |
Nationwide Variable Insurance
Trust - NVIT Victory Mid Cap
Value Fund: Class I
Investment Advisor: Nationwide
Fund Advisors
Sub-Advisor: Victory Capital
Management Inc. |
0.85%* |
0.00% |
0.85% |
2.39% |
7.91% |
7.66% |
| Equity |
Neuberger Berman Advisers
Management Trust - Mid-Cap
Growth Portfolio: Class I Shares
Investment Advisor: Neuberger
Berman Investment Advisers LLC |
0.86%* |
0.00% |
0.86% |
5.45% |
4.47% |
10.96% |
| Fixed Income |
Neuberger Berman Advisers
Management Trust - Short
Duration Bond Portfolio: Class I
Shares
Investment Advisor: Neuberger
Berman Investment Advisers LLC |
0.93% |
0.00% |
0.93% |
5.71% |
2.56% |
2.30% |
| Equity |
New Age Alpha Variable Funds
Trust - NAA Large Core Series
Investment Advisor: New Age Alpha
Advisors, LLC |
0.94%* |
0.00% |
0.94% |
16.43% |
13.65% |
14.25% |
| Equity |
New Age Alpha Variable Funds
Trust - NAA Large Growth Series
Investment Advisor: New Age Alpha
Advisors, LLC |
1.01%* |
0.00% |
1.01% |
17.02% |
13.89% |
17.04% |
| Equity |
New Age Alpha Variable Funds
Trust - NAA Mid Growth Series
Investment Advisor: New Age Alpha
Advisors, LLC |
1.07%* |
0.00% |
1.07% |
2.17% |
4.48% |
10.63% |
| Equity |
New Age Alpha Variable Funds
Trust - NAA Small Cap Value
Series
Investment Advisor: New Age Alpha
Advisors, LLC |
1.17%* |
0.00% |
1.17% |
3.30% |
8.47% |
7.65% |
| Hybrid Securities |
New York Life Investments VP
Funds Trust - NYLIM VP MacKay
Convertible Portfolio: Service
Class (formerly, New York Life
Investments VP Funds Trust -
NYLI VP MacKay Convertible
Portfolio: Service Class)
Investment Advisor: New York Life
Investment Management LLC
Sub-Advisor: MacKay Shields LLC |
0.82% |
0.00% |
0.82% |
16.11% |
5.34% |
10.10% |
31
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Allocation |
Northern Lights Variable Trust -
DF Tactical Momentum VIT Fund:
Class 1 (formerly, Northern Lights
Variable Trust - Donoghue
Forlines Momentum VIT Fund:
Class 1)
Investment Advisor: Donoghue
Forlines LLC |
1.56% |
0.00% |
1.56% |
23.52% |
12.83% |
9.23% |
| Allocation |
Northern Lights Variable Trust -
TOPS Aggressive ETF Portfolio:
Class 2 (formerly, Northern Lights
Variable Trust - TOPS®
Aggressive Growth ETF Portfolio:
Class 2)
Investment Advisor: ValMark
Advisers, Inc.
Sub-Advisor: Milliman Financial Risk
Management, LLC |
0.54% |
0.00% |
0.54% |
18.83% |
9.41% |
10.43% |
| Allocation |
Northern Lights Variable Trust -
TOPS Managed Risk Moderate
ETF Portfolio: Class 2 (formerly,
Northern Lights Variable Trust -
TOPS® Managed Risk Moderate
Growth ETF Portfolio: Class 2)
Investment Advisor: ValMark
Advisers, Inc.
Sub-Advisor: Milliman Financial Risk
Management, LLC |
0.75% |
0.00% |
0.75% |
10.36% |
4.74% |
5.72% |
| Allocation |
Northern Lights Variable Trust -
TOPS Managed Risk Moderately
Aggressive ETF Portfolio: Class 2
(formerly, Northern Lights
Variable Trust - TOPS® Managed
Risk Growth ETF Portfolio: Class
2)
Investment Advisor: ValMark
Advisers, Inc.
Sub-Advisor: Milliman Financial Risk
Management, LLC |
0.75% |
0.00% |
0.75% |
11.65% |
5.36% |
6.13% |
| Allocation |
Northern Lights Variable Trust -
TOPS Moderate ETF Portfolio:
Class 2 (formerly, Northern Lights
Variable Trust - TOPS® Moderate
Growth ETF Portfolio: Class 2)
Investment Advisor: ValMark
Advisers, Inc.
Sub-Advisor: Milliman Financial Risk
Management, LLC |
0.53% |
0.00% |
0.53% |
15.13% |
6.92% |
7.99% |
| Allocation |
Northern Lights Variable Trust -
TOPS Moderately Aggressive ETF
Portfolio: Class 2 (formerly,
Northern Lights Variable Trust -
TOPS® Growth ETF Portfolio:
Class 2)
Investment Advisor: ValMark
Advisers, Inc.
Sub-Advisor: Milliman Financial Risk
Management, LLC |
0.54% |
0.00% |
0.54% |
17.99% |
8.56% |
9.53% |
32
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Allocation |
Northern Lights Variable Trust -
TOPS® Balanced ETF Portfolio:
Class 2
Investment Advisor: ValMark
Advisers, Inc.
Sub-Advisor: Milliman Financial Risk
Management, LLC |
0.54% |
0.00% |
0.54% |
12.85% |
5.52% |
6.39% |
| Allocation |
Northern Lights Variable Trust -
TOPS® Conservative ETF
Portfolio: Class 2
Investment Advisor: ValMark
Advisers, Inc.
Sub-Advisor: Milliman Financial Risk
Management, LLC |
0.56% |
0.00% |
0.56% |
10.15% |
4.34% |
4.99% |
| Allocation |
Northern Lights Variable Trust -
TOPS® Managed Risk Balanced
ETF Portfolio: Class 2
Investment Advisor: ValMark
Advisers, Inc.
Sub-Advisor: Milliman Financial Risk
Management, LLC |
0.76% |
0.00% |
0.76% |
9.03% |
3.84% |
4.92% |
| Allocation |
PIMCO Variable Insurance Trust -
All Asset Portfolio:
Administrative Class
Investment Advisor: PIMCO
Sub-Advisor: Research Affiliates,
LLC |
2.13%* |
0.00% |
2.13% |
14.20% |
5.60% |
6.77% |
| Real Assets |
PIMCO Variable Insurance Trust -
CommodityRealReturn® Strategy
Portfolio: Administrative Class
Investment Advisor: PIMCO |
3.19%* |
0.00% |
3.19% |
18.79% |
10.55% |
6.54% |
| Fixed Income |
PIMCO Variable Insurance Trust -
Dynamic Bond Portfolio:
Administrative Class
Investment Advisor: PIMCO |
1.06% |
0.00% |
1.06% |
8.11% |
3.01% |
3.55% |
| Fixed Income |
PIMCO Variable Insurance Trust -
Emerging Markets Bond
Portfolio: Administrative Class
Investment Advisor: PIMCO |
1.17% |
0.00% |
1.17% |
14.98% |
2.44% |
5.06% |
| Fixed Income |
PIMCO Variable Insurance Trust -
Global Bond Opportunities
Portfolio (Unhedged):
Administrative Class
Investment Advisor: PIMCO |
1.15% |
0.00% |
1.15% |
12.75% |
0.15% |
2.46% |
| Fixed Income |
PIMCO Variable Insurance Trust -
Global Core Bond (Hedged)
Portfolio: Administrative Class
Investment Advisor: PIMCO |
1.13% |
0.00% |
1.13% |
6.72% |
0.78% |
3.16% |
| Allocation |
PIMCO Variable Insurance Trust -
Global Managed Asset Allocation
Portfolio: Administrative Class
Investment Advisor: PIMCO |
1.21%* |
0.00% |
1.21% |
22.00% |
7.04% |
7.99% |
| Fixed Income |
PIMCO Variable Insurance Trust -
High Yield Portfolio:
Administrative Class
Investment Advisor: PIMCO |
0.81% |
0.00% |
0.81% |
8.95% |
3.97% |
5.57% |
33
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Fixed Income |
PIMCO Variable Insurance Trust -
Income Portfolio: Administrative
Class
Investment Advisor: PIMCO |
0.92% |
0.00% |
0.92% |
10.19% |
3.41% |
|
| Fixed Income |
PIMCO Variable Insurance Trust -
International Bond Portfolio (U.S.
Dollar-Hedged): Administrative
Class
Investment Advisor: PIMCO |
1.09% |
0.00% |
1.09% |
3.95% |
1.03% |
2.88% |
| Fixed Income |
PIMCO Variable Insurance Trust -
Long-Term U.S. Government
Portfolio: Administrative Class
Investment Advisor: PIMCO |
2.48% |
0.00% |
2.48% |
6.29% |
-6.79% |
0.02% |
| Fixed Income |
PIMCO Variable Insurance Trust -
Real Return Portfolio:
Administrative Class
Investment Advisor: PIMCO |
1.39% |
0.00% |
1.39% |
7.85% |
1.21% |
3.21% |
| Fixed Income |
PIMCO Variable Insurance Trust -
Short-Term Portfolio:
Administrative Class
Investment Advisor: PIMCO |
0.65% |
0.00% |
0.65% |
4.67% |
3.25% |
2.76% |
| Fixed Income |
PIMCO Variable Insurance Trust -
Total Return Portfolio:
Administrative Class
Investment Advisor: PIMCO |
0.73% |
0.00% |
0.73% |
8.89% |
0.02% |
2.36% |
| Fixed Income |
ProFunds - ProFund Access VP
High Yield Fund
Investment Advisor: ProFund
Advisors LLC |
1.64% |
0.00% |
1.64% |
6.24% |
2.85% |
3.92% |
| Equity |
ProFunds - ProFund VP Asia 30
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
24.12% |
-2.32% |
5.18% |
| Equity |
ProFunds - ProFund VP Banks
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
10.53% |
9.89% |
8.26% |
| Equity |
ProFunds - ProFund VP
Biotechnology
Investment Advisor: ProFund
Advisors LLC |
1.60% |
0.00% |
1.60% |
34.03% |
9.50% |
7.41% |
| Equity |
ProFunds - ProFund VP Bull
Investment Advisor: ProFund
Advisors LLC |
1.68% |
0.00% |
1.68% |
15.56% |
12.18% |
12.55% |
| Equity |
ProFunds - ProFund VP
Communication Services
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
20.91% |
14.55% |
8.97% |
| Equity |
ProFunds - ProFund VP
Consumer Discretionary
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
5.51% |
5.53% |
10.01% |
| Equity |
ProFunds - ProFund VP
Consumer Staples
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
-0.17% |
0.62% |
5.67% |
34
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
ProFunds - ProFund VP Emerging
Markets
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
36.13% |
3.07% |
8.66% |
| Equity |
ProFunds - ProFund VP Energy
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
5.86% |
21.01% |
5.88% |
| Equity |
ProFunds - ProFund VP Europe
30
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
29.59% |
12.78% |
8.01% |
| Equity |
ProFunds - ProFund VP
Financials
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
12.90% |
12.77% |
11.04% |
| Equity |
ProFunds - ProFund VP Health
Care
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
12.56% |
5.50% |
8.02% |
| Equity |
ProFunds - ProFund VP
Industrials
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
17.25% |
9.11% |
11.45% |
| Equity |
ProFunds - ProFund VP
International
Investment Advisor: ProFund
Advisors LLC |
1.67% |
0.00% |
1.67% |
27.97% |
6.29% |
5.60% |
| Equity |
ProFunds - ProFund VP Internet
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
9.13% |
3.71% |
12.40% |
| Equity |
ProFunds - ProFund VP Japan
Investment Advisor: ProFund
Advisors LLC |
1.68% |
0.00% |
1.68% |
30.69% |
14.99% |
11.39% |
| Equity |
ProFunds - ProFund VP Large-
Cap Growth
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
19.96% |
13.07% |
14.95% |
| Equity |
ProFunds - ProFund VP Large-
Cap Value
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
11.37% |
11.09% |
9.89% |
| Equity |
ProFunds - ProFund VP Materials
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
8.05% |
6.41% |
8.42% |
| Equity |
ProFunds - ProFund VP Mid-Cap
Growth
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
5.67% |
5.32% |
8.63% |
| Equity |
ProFunds - ProFund VP Mid-Cap
Value
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
5.84% |
9.19% |
8.92% |
| Equity |
ProFunds - ProFund VP Mid-Cap
Investment Advisor: ProFund
Advisors LLC |
1.68% |
0.00% |
1.68% |
4.78% |
6.63% |
8.22% |
35
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
ProFunds - ProFund VP
NASDAQ-100
Investment Advisor: ProFund
Advisors LLC |
1.68% |
0.00% |
1.68% |
18.62% |
12.94% |
17.28% |
| Equity |
ProFunds - ProFund VP
Pharmaceuticals
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
29.34% |
5.70% |
5.37% |
| Equity |
ProFunds - ProFund VP Precious
Metals
Investment Advisor: ProFund
Advisors LLC |
1.68% |
0.00% |
1.68% |
150.31% |
17.01% |
18.89% |
| Equity |
ProFunds - ProFund VP Real
Estate
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
0.63% |
2.85% |
3.95% |
| Equity |
ProFunds - ProFund VP
Semiconductor
Investment Advisor: ProFund
Advisors LLC |
1.64% |
0.00% |
1.64% |
41.70% |
34.17% |
30.80% |
| Equity |
ProFunds - ProFund VP Small-
Cap Growth
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
3.62% |
3.79% |
7.98% |
| Equity |
ProFunds - ProFund VP Small-
Cap Value
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
5.00% |
7.17% |
7.81% |
| Equity |
ProFunds - ProFund VP Small-
Cap
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
10.86% |
4.23% |
7.63% |
| Equity |
ProFunds - ProFund VP
Technology
Investment Advisor: ProFund
Advisors LLC |
1.58% |
0.00% |
1.58% |
22.60% |
15.01% |
20.16% |
| Equity |
ProFunds - ProFund VP Utilities
Investment Advisor: ProFund
Advisors LLC |
1.68%* |
0.00% |
1.68% |
13.98% |
7.78% |
8.61% |
| Fixed Income |
Putnam Variable Trust - Putnam
VT High Yield Fund: Class IB
Investment Advisor: Franklin
Advisers, Inc.
Sub-Advisor: Putnam Investment
Management, LLC, Franklin
Templeton Investment Management
Limited |
0.96% |
0.00% |
0.96% |
8.67% |
4.05% |
5.70% |
| Equity |
Putnam Variable Trust - Putnam
VT Large Cap Value Fund: Class
IB
Investment Advisor: Putnam
Investment Management, LLC
Sub-Advisor: Franklin Advisers, Inc.,
Franklin Templeton Investment
Management Limited |
0.79% |
0.00% |
0.79% |
20.35% |
15.38% |
13.30% |
36
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
Putnam Variable Trust - Putnam
VT Sustainable Leaders Fund:
Class IB
Investment Advisor: Putnam
Investment Management, LLC
Sub-Advisor: Franklin Advisers, Inc.,
Franklin Templeton Investment
Management Limited |
0.88% |
0.00% |
0.88% |
10.69% |
10.34% |
14.69% |
| Equity |
Royce Capital Fund - Royce
Micro-Cap Portfolio: Investment
Class
Investment Advisor: Royce &
Associates, LP |
1.22% |
0.00% |
1.22% |
13.89% |
9.17% |
10.14% |
| Equity |
Royce Capital Fund - Royce
Small-Cap Portfolio: Investment
Class
Investment Advisor: Royce &
Associates, LP |
1.18% |
0.00% |
1.18% |
8.93% |
10.66% |
7.88% |
| Equity |
Rydex Variable Trust - Banking
Fund
Investment Advisor: Guggenheim
Investments |
1.78%* |
0.00% |
1.78% |
23.74% |
11.68% |
8.98% |
| Equity |
Rydex Variable Trust - Basic
Materials Fund
Investment Advisor: Guggenheim
Investments |
1.78%* |
0.00% |
1.78% |
32.89% |
9.42% |
11.58% |
| Equity |
Rydex Variable Trust -
Biotechnology Fund
Investment Advisor: Guggenheim
Investments |
1.79%* |
0.00% |
1.79% |
30.12% |
3.55% |
5.42% |
| Real Assets |
Rydex Variable Trust -
Commodities Strategy Fund
Investment Advisor: Guggenheim
Investments |
1.73%* |
0.00% |
1.73% |
4.89% |
12.80% |
4.76% |
| Equity |
Rydex Variable Trust -
Electronics Fund
Investment Advisor: Guggenheim
Investments |
1.78%* |
0.00% |
1.78% |
41.49% |
18.80% |
23.66% |
| Equity |
Rydex Variable Trust - Energy
Fund
Investment Advisor: Guggenheim
Investments |
1.79%* |
0.00% |
1.79% |
7.51% |
19.52% |
4.64% |
| Equity |
Rydex Variable Trust - Energy
Services Fund
Investment Advisor: Guggenheim
Investments |
1.79%* |
0.00% |
1.79% |
1.75% |
10.39% |
-5.65% |
| Equity |
Rydex Variable Trust - Financial
Services Fund
Investment Advisor: Guggenheim
Investments |
1.83%* |
0.00% |
1.83% |
10.76% |
11.31% |
9.88% |
| Alternative Strategies |
Rydex Variable Trust - Global
Managed Futures Fund
Investment Advisor: Guggenheim
Investments |
2.18%* |
0.00% |
2.18% |
3.65% |
3.94% |
1.27% |
37
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
Rydex Variable Trust - Health
Care Fund
Investment Advisor: Guggenheim
Investments |
1.79%* |
0.00% |
1.79% |
14.07% |
4.64% |
7.44% |
| Fixed Income |
Rydex Variable Trust - High Yield
Strategy Fund
Investment Advisor: Guggenheim
Investments |
1.73%* |
0.00% |
1.73% |
9.87% |
3.52% |
4.77% |
| Equity |
Rydex Variable Trust - Internet
Fund
Investment Advisor: Guggenheim
Investments |
1.79%* |
0.00% |
1.79% |
18.50% |
2.54% |
11.93% |
| Equity |
Rydex Variable Trust - Leisure
Fund
Investment Advisor: Guggenheim
Investments |
1.79%* |
0.00% |
1.79% |
8.48% |
2.50% |
7.27% |
| Equity |
Rydex Variable Trust - NASDAQ-
100® Fund
Investment Advisor: Guggenheim
Investments |
1.76%* |
0.00% |
1.76% |
19.04% |
13.32% |
17.60% |
| Equity |
Rydex Variable Trust - Precious
Metals Fund
Investment Advisor: Guggenheim
Investments |
1.68%* |
0.00% |
1.68% |
147.37% |
17.52% |
21.08% |
| Equity |
Rydex Variable Trust - Real
Estate Fund
Investment Advisor: Guggenheim
Investments |
1.78%* |
0.00% |
1.78% |
2.88% |
3.02% |
4.00% |
| Equity |
Rydex Variable Trust - Retailing
Fund
Investment Advisor: Guggenheim
Investments |
1.78%* |
0.00% |
1.78% |
10.18% |
4.22% |
9.19% |
| Equity |
Rydex Variable Trust - S&P 500
Pure Growth Fund
Investment Advisor: Guggenheim
Investments |
1.69%* |
0.00% |
1.69% |
11.75% |
6.62% |
10.34% |
| Equity |
Rydex Variable Trust - S&P 500
Pure Value Fund
Investment Advisor: Guggenheim
Investments |
1.69%* |
0.00% |
1.69% |
16.02% |
12.00% |
8.64% |
| Equity |
Rydex Variable Trust - S&P
MidCap 400 Pure Growth Fund
Investment Advisor: Guggenheim
Investments |
1.69%* |
0.00% |
1.69% |
7.18% |
4.39% |
6.85% |
| Equity |
Rydex Variable Trust - S&P
MidCap 400 Pure Value Fund
Investment Advisor: Guggenheim
Investments |
1.69%* |
0.00% |
1.69% |
6.12% |
12.00% |
10.60% |
| Equity |
Rydex Variable Trust - S&P
SmallCap 600 Pure Growth Fund
Investment Advisor: Guggenheim
Investments |
1.69%* |
0.00% |
1.69% |
8.59% |
2.89% |
6.53% |
| Equity |
Rydex Variable Trust - S&P
SmallCap 600 Pure Value Fund
Investment Advisor: Guggenheim
Investments |
1.69%* |
0.00% |
1.69% |
6.77% |
12.03% |
7.65% |
38
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Equity |
Rydex Variable Trust -
Technology Fund
Investment Advisor: Guggenheim
Investments |
1.78%* |
0.00% |
1.78% |
25.70% |
12.27% |
18.37% |
| Equity |
Rydex Variable Trust -
Telecommunications Fund
Investment Advisor: Guggenheim
Investments |
1.78%* |
0.00% |
1.78% |
31.13% |
5.45% |
6.64% |
| Equity |
Rydex Variable Trust -
Transportation Fund
Investment Advisor: Guggenheim
Investments |
1.78%* |
0.00% |
1.78% |
11.77% |
2.32% |
8.06% |
| Equity |
Rydex Variable Trust - Utilities
Fund
Investment Advisor: Guggenheim
Investments |
1.79%* |
0.00% |
1.79% |
17.07% |
8.56% |
8.60% |
| Equity |
T. Rowe Price Equity Series, Inc. -
T. Rowe Price Blue Chip Growth
Portfolio: II
Investment Advisor: T. Rowe Price
Associates, Inc. |
1.00% |
0.00% |
1.00% |
18.43% |
11.41% |
15.25% |
| Equity |
T. Rowe Price Equity Series, Inc. -
T. Rowe Price Health Sciences
Portfolio: II
Investment Advisor: T. Rowe Price
Associates, Inc. |
1.11% |
0.00% |
1.11% |
17.80% |
3.86% |
8.70% |
| Equity |
Third Avenue Variable Series
Trust - Third Avenue Value
Portfolio
Investment Advisor: Third Avenue
Management LLC |
1.30%* |
0.00% |
1.30% |
34.85% |
17.58% |
9.66% |
| Fixed Income |
VanEck VIP Trust - VanEck VIP
Emerging Markets Bond Fund:
Initial Class
Investment Advisor: Van Eck
Associates Corporation |
1.10%* |
0.00% |
1.10% |
18.49% |
3.91% |
5.24% |
| Equity |
VanEck VIP Trust - VanEck VIP
Global Gold Fund: Class S
Investment Advisor: Van Eck
Associates Corporation |
1.45%* |
0.00% |
1.45% |
164.43% |
20.00% |
20.88% |
| Equity |
VanEck VIP Trust - VanEck VIP
Global Resources Fund: Initial
Class
Investment Advisor: Van Eck
Associates Corporation |
1.08% |
0.00% |
1.08% |
36.48% |
10.51% |
8.33% |
| Allocation |
Vanguard Variable Insurance
Fund - Balanced Portfolio
Investment Advisor: Wellington
Management Company, LLP |
0.20% |
0.30% |
0.50% |
16.46% |
9.29% |
10.03% |
| Equity |
Vanguard Variable Insurance
Fund - Capital Growth Portfolio
Investment Advisor: PRIMECAP
Management Company |
0.34% |
0.30% |
0.64% |
28.98% |
13.97% |
14.96% |
39
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Allocation |
Vanguard Variable Insurance
Fund - Conservative Allocation
Portfolio
Investment Advisor: Vanguard
Strategic Equity Index Management |
0.12% |
0.30% |
0.42% |
12.73% |
4.22% |
6.14% |
| Equity |
Vanguard Variable Insurance
Fund - Diversified Value Portfolio
Investment Advisor: Hotchkis and
Wiley Capital Management, LLC,
Lazard Asset Management |
0.28% |
0.30% |
0.58% |
16.83% |
13.24% |
11.76% |
| Equity |
Vanguard Variable Insurance
Fund - Equity Income Portfolio
Investment Advisor: Wellington
Management Company, LLP;
Vanguard Group Inc. (Quantitative
Equity Group) |
0.29% |
0.30% |
0.59% |
16.80% |
12.59% |
11.52% |
| Equity |
Vanguard Variable Insurance
Fund - Equity Index Portfolio
Investment Advisor: Vanguard
Strategic Equity Index Management |
0.14% |
0.30% |
0.44% |
17.70% |
14.27% |
14.66% |
| Fixed Income |
Vanguard Variable Insurance
Fund - Global Bond Index
Portfolio
Investment Advisor: The Vanguard
Group Inc. (Vanguard Fixed Income
Group) |
0.13% |
0.30% |
0.43% |
5.69% |
-0.41% |
|
| Equity |
Vanguard Variable Insurance
Fund - Growth Portfolio
Investment Advisor: Wellington
Management Company, LLP |
0.36% |
0.30% |
0.66% |
16.89% |
11.36% |
15.58% |
| Fixed Income |
Vanguard Variable Insurance
Fund - High Yield Bond Portfolio
Investment Advisor: Wellington
Management Company, LLP and
Vanguard Group, Inc. (Vanguard
Fixed Income Group) |
0.24% |
0.30% |
0.54% |
9.18% |
4.05% |
5.62% |
| Equity |
Vanguard Variable Insurance
Fund - International Portfolio
Investment Advisor: Baillie Gifford
Overseas Ltd.; Schroder Investment
Management North America, Inc. |
0.32% |
0.30% |
0.62% |
19.97% |
0.62% |
10.48% |
| Equity |
Vanguard Variable Insurance
Fund - Mid-Cap Index Portfolio
Investment Advisor: Vanguard
Strategic Equity Index Management |
0.17% |
0.30% |
0.47% |
11.54% |
8.46% |
10.77% |
| Allocation |
Vanguard Variable Insurance
Fund - Moderate Allocation
Portfolio
Investment Advisor: Vanguard
Strategic Equity Index Management |
0.12% |
0.30% |
0.42% |
16.19% |
6.51% |
8.14% |
| Equity |
Vanguard Variable Insurance
Fund - Real Estate Index Portfolio
Investment Advisor: Vanguard
Strategic Equity Index Management |
0.26% |
0.30% |
0.56% |
3.11% |
4.51% |
5.08% |
40
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Fixed Income |
Vanguard Variable Insurance
Fund - Short-Term Investment-
Grade Portfolio
Investment Advisor: The Vanguard
Group Inc. (Vanguard Fixed Income
Group) |
0.14% |
0.30% |
0.44% |
6.85% |
2.23% |
2.81% |
| Equity |
Vanguard Variable Insurance
Fund - Small Company Growth
Portfolio
Investment Advisor: ArrowMark
Partners; The Vanguard Group, Inc.
(Vanguard Quantitative Equity
Group) |
0.29% |
0.35% |
0.64% |
6.11% |
3.81% |
9.61% |
| Fixed Income |
Vanguard Variable Insurance
Fund - Total Bond Market Index
Portfolio
Investment Advisor: The Vanguard
Group Inc. (Vanguard Fixed Income
Group) |
0.14% |
0.30% |
0.44% |
6.94% |
-0.51% |
1.90% |
| Equity |
Vanguard Variable Insurance
Fund - Total International Stock
Market Index Portfolio
Investment Advisor: Vanguard
Strategic Equity Index Management |
0.09% |
0.30% |
0.39% |
32.04% |
7.88% |
|
| Equity |
Vanguard Variable Insurance
Fund - Total Stock Market Index
Portfolio
Investment Advisor: Vanguard
Strategic Equity Index Management |
0.13% |
0.30% |
0.43% |
16.93% |
12.98% |
14.10% |
| Fixed Income |
Victory Variable Insurance Funds
II - Victory Pioneer Bond VCT
Portfolio: Class II
Investment Advisor: Victory Capital
Management, Inc. |
0.78%* |
0.00% |
0.78% |
8.87% |
0.51% |
2.59% |
| Equity |
Victory Variable Insurance Funds
II - Victory Pioneer Fund VCT
Portfolio: Class II
Investment Advisor: Victory Capital
Management, Inc. |
1.00%* |
0.00% |
1.00% |
23.08% |
14.69% |
15.47% |
| Fixed Income |
Victory Variable Insurance Funds
II - Victory Pioneer Strategic
Income VCT Portfolio: Class II
Investment Advisor: Victory Capital
Management, Inc. |
1.07%* |
0.00% |
1.07% |
10.84% |
2.04% |
3.67% |
| Equity |
Virtus Variable Insurance Trust -
Virtus Duff & Phelps Real Estate
Securities Series: Class A
Investment Advisor: Virtus
Investment Advisers, Inc.
Sub-Advisor: Duff & Phelps
Investment Management Co., an
affiliate of VIA. |
1.10%* |
0.00% |
1.10% |
0.72% |
6.06% |
5.95% |
41
| Type |
Underlying Mutual Fund and
Adviser/
Subadviser |
Current
Expenses |
Low Cost
Fund Platform
Fee1 |
Current
Expenses +
Low Cost
Fund Platform
Fee |
Average Annual
Total Returns
(as of 12/31/2025) | ||
| 1
year |
5
year |
10
year | |||||
| Fixed Income |
Virtus Variable Insurance Trust -
Virtus Newfleet Multi-Sector
Intermediate Bond Series: Class
A
Investment Advisor: Virtus
Investment Advisers, Inc.
Sub-Advisor: Newfleet Asset
Management, an operating division
of Virtus Fixed Income Advisers,
LLC, an affiliate of VIA. |
0.94% |
0.00% |
0.94% |
7.58% |
2.52% |
4.23% |
| Equity |
Virtus Variable Insurance Trust -
Virtus SGA International Growth
Series: Class A
Investment Advisor: Virtus
Investment Advisers, Inc.
Sub-Advisor: Sustainable Growth
Advisers, LP, an affiliate of VIA. |
1.10%* |
0.00% |
1.10% |
9.26% |
1.42% |
4.10% |
*
This underlying mutual fund’s current expenses reflect a temporary fee reduction.
1
Reflects the current Low
Cost Fund Platform Fee. The maximum Low Cost Fund Platform Fee applicable for any Sub-account is 0.35%.
Early Cut-Off Times
The following Investment
Portfolios currently impose the following transfer cut-off times before the end of the Business Day:
2:30 P.M.
•
Vanguard Variable Insurance Fund - Balanced Portfolio
•
Vanguard Variable Insurance Fund - Capital Growth Portfolio
•
Vanguard Variable Insurance Fund - Conservative Allocation Portfolio
•
Vanguard Variable Insurance Fund - Diversified Value Portfolio
•
Vanguard Variable Insurance Fund - Equity Income Portfolio
•
Vanguard Variable Insurance Fund - Equity Index Portfolio
•
Vanguard Variable Insurance Fund - Global Bond Index Portfolio
•
Vanguard Variable Insurance Fund - Growth Portfolio
•
Vanguard Variable Insurance Fund - High Yield Bond Portfolio
•
Vanguard Variable Insurance Fund - International Portfolio
•
Vanguard Variable Insurance Fund - Mid-Cap Index Portfolio
•
Vanguard Variable Insurance Fund - Moderate Allocation Portfolio
•
Vanguard Variable Insurance Fund - Real Estate Index Portfolio
•
Vanguard Variable Insurance Fund - Short-Term Investment-Grade Portfolio
•
Vanguard Variable Insurance Fund - Small Company Growth Portfolio
•
Vanguard Variable Insurance Fund - Total Bond Market Index Portfolio
•
Vanguard Variable Insurance Fund - Total International Stock Market Index
Portfolio
•
Vanguard Variable Insurance Fund - Total Stock Market Index Portfolio
3:30
P.M.
42
•
Advisors Preferred Trust - Quantified Gold Futures Tracking Portfolio (formerly, Advisors Preferred Trust - Gold Bullion
Strategy Portfolio)
3:50 P.M.
•
Rydex Variable Trust - Banking Fund
•
Rydex Variable Trust - Basic Materials Fund
•
Rydex Variable Trust - Biotechnology Fund
•
Rydex Variable Trust - Commodities Strategy Fund
•
Rydex Variable Trust - Consumer Products Fund
•
Rydex Variable Trust - Electronics Fund
•
Rydex Variable Trust - Energy Fund
•
Rydex Variable Trust - Energy Services Fund
•
Rydex Variable Trust - Financial Services Fund
•
Rydex Variable Trust - Health Care Fund
•
Rydex Variable Trust - High Yield Strategy Fund
•
Rydex Variable Trust - Internet Fund
•
Rydex Variable Trust - Leisure Fund
•
Rydex Variable Trust - NASDAQ-100® Fund
•
Rydex Variable Trust - Precious Metals Fund
•
Rydex Variable Trust - Real Estate Fund
•
Rydex Variable Trust - Retailing Fund
•
Rydex Variable Trust - S&P 500 Pure Growth Fund
•
Rydex Variable Trust - S&P 500 Pure Value Fund
•
Rydex Variable Trust - S&P MidCap 400 Pure Growth Fund
•
Rydex Variable Trust - S&P MidCap 400 Pure Value Fund
•
Rydex Variable Trust - S&P SmallCap 600 Pure Growth Fund
•
Rydex Variable Trust - S&P SmallCap 600 Pure Value Fund
•
Rydex Variable Trust - Technology Fund
•
Rydex Variable Trust - Telecommunications Fund
•
Rydex Variable Trust - Transportation Fund
•
Rydex Variable Trust - Utilities Fund
3:55
P.M.
•
ProFunds - ProFund VP Asia 30
•
ProFunds - ProFund VP Banks
•
ProFunds - ProFund VP Biotechnology
•
ProFunds - ProFund VP Bull
•
ProFunds - ProFund VP Communication Services
•
ProFunds - ProFund VP Consumer Discretionary
•
ProFunds - ProFund VP Consumer Staples
•
ProFunds - ProFund VP Emerging Markets
•
ProFunds - ProFund VP Energy
•
ProFunds - ProFund VP Europe 30
43
•
ProFunds - ProFund VP Financials
•
ProFunds - ProFund VP Health Care
•
ProFunds - ProFund VP Industrials
•
ProFunds - ProFund VP International
•
ProFunds - ProFund VP Internet
•
ProFunds - ProFund VP Japan
•
ProFunds - ProFund VP Large-Cap Growth
•
ProFunds - ProFund VP Large-Cap Value
•
ProFunds - ProFund VP Materials
•
ProFunds - ProFund VP Mid-Cap
•
ProFunds - ProFund VP Mid-Cap Growth
•
ProFunds - ProFund VP Mid-Cap Value
•
ProFunds - ProFund VP NASDAQ-100
•
ProFunds - ProFund VP Pharmaceuticals
•
ProFunds - ProFund VP Precious Metals
•
ProFunds - ProFund VP Real Estate
•
ProFunds - ProFund VP Semiconductor
•
ProFunds - ProFund VP Small-Cap
•
ProFunds - ProFund VP Small-Cap Growth
•
ProFunds - ProFund VP Small-Cap Value
•
ProFunds - ProFund VP Technology
•
ProFunds - ProFund VP Utilities
44
Outside back cover
page
This summary prospectus incorporates by reference the statutory prospectus
and Statement of Additional Information, both dated May 1, 2026, as amended or supplemented. The statutory prospectus and Statement of Additional Information may be obtained, free of charge, at https://nationwide.onlineprospectus.net/NW/C000220422NW/index.php.
Reports and
other information about the Separate Account are available on the SEC’s website at http://www.sec.gov. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following
email address:
[email protected].
SEC Contract Identifier: C000220422
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