Form 497VPI NATIONWIDE VARIABLE ACCO

September 29, 2025 7:17 AM EDT
Supplement dated September 29, 2025
to the following initial summary prospectus(es):
Nationwide Destination Freedom+ Variable Annuity dated May 1, 2025  
This supplement updates certain information contained in your initial summary prospectus. Please read and
retain this supplement for future reference.
In accordance with applicable law, on or about November 14, 2025 (the "Exchange Date"), Nationwide intends to substitute shares of the underlying mutual fund(s) in Column A ("Existing Fund(s)") below with shares of the underlying mutual fund(s) in Column B ("Replacement Fund(s)") below. 
Column A
Existing Fund(s)
Column B
Replacement Fund(s)
BlackRock Variable Series Funds, Inc. - BlackRock Equity
Dividend V.I. Fund: Class III
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic
U.S. Equity Income: Class Z
Fidelity Variable Insurance Products - Emerging Markets
Portfolio: Service Class 2
Nationwide Variable Insurance Trust - NVIT Fidelity Institutional
AM(R) Emerging Markets Fund: Class I
Invesco - Invesco V.I. Global Fund: Series II
Nationwide Variable Insurance Trust - NVIT Fidelity Institutional
AM(R) Worldwide Fund: Class II
Lincoln Variable Insurance Products Trust - LVIP American
Century Inflation Protection Fund: Service Class
Nationwide Variable Insurance Trust - NVIT J.P. Morgan Inflation
Managed Fund: Class II
PIMCO Variable Insurance Trust - Real Return Portfolio: Advisor
Class
Nationwide Variable Insurance Trust - NVIT J.P. Morgan Inflation
Managed Fund: Class II
Morgan Stanley Variable Insurance Fund, Inc. - Growth Portfolio:
Class II
Nationwide Variable Insurance Trust - NVIT NASDAQ-100 Index
Fund: Class II
Putnam Variable Trust - Putnam VT International Value Fund:
Class IB
Nationwide Variable Insurance Trust - NVIT Putnam International
Value Fund: Class Z
Fidelity Variable Insurance Products Fund - VIP Strategic Income
Portfolio: Service Class 2
Nationwide Variable Insurance Trust - NVIT Strategic Income
Fund: Class I
PIMCO Variable Insurance Trust - Income Portfolio: Advisor
Class
Nationwide Variable Insurance Trust - NVIT Strategic Income
Fund: Class I
Lincoln Variable Insurance Products Trust - LVIP American
Century Mid Cap Value Fund: Service Class
Nationwide Variable Insurance Trust - NVIT Victory Mid Cap
Value Fund: Class II
Prior to the Exchange Date. From the date of this supplement until the Exchange Date, investors with allocations in the Existing Fund(s) may transfer allocations to any other available underlying mutual fund, the fixed account (if available), long-term fixed account (if available), indexed interest options (if available), and/or a Guaranteed Term Option (if available) in accordance with the contract/policy. During this period, any transfers from an Existing Fund will not be treated as a transfer for purposes of transfer limitations and short-term trading fees that would otherwise be applicable under the terms of the contract/policy.
On the Exchange Date. At the close of business on the Exchange Date, the substitution(s) will take place at relative net asset value. Any allocations that remain in the Existing Fund(s) will be redeemed. Such redemptions will then be used to purchase accumulation units/annuity units in the corresponding Replacement Fund(s). All contract/policy owners affected by the substitution will receive a written confirmation of the transaction. The redemption/repurchase to effectuate the substitution will not be treated as a transfer for the purposes of daily transfer limitations.
After the Exchange Date. For at least 30 days after the Exchange Date, contract/policy owners may reallocate amounts that were substituted into the Replacement Fund(s) to any other available underlying mutual fund, the fixed account (if available), long-term fixed account (if available), indexed interest options (if available), and/or a Guaranteed Term Option (if available) without the transfer being treated as a transfer for purposes of transfer limitations and short-term trading fees that would otherwise be applicable under the terms of the contract/policy. Additionally, during this time, Nationwide will not exercise any rights reserved by it under the contracts to impose additional restrictions on transfers out of a Replacement Fund, except to prevent or limit disruptive trading activity.
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Allocation Instructions. If the contract/policy owners do not provide new allocation instructions prior to the Exchange Date, Nationwide will automatically direct any subsequent contributions, allocation elections, dollar cost averaging or asset rebalancing program, or any other transaction involving the Sub-Account investing in the Existing Fund to the Sub-Account investing in the Replacement Fund. The contract/policy owners may provide new instructions at any time while the contract is in-force; however, any transfers other than those described during the periods above will be treated as a transfer for purposes of transfer limitations applicable under the terms of the contract.
On the Exchange Date, the Existing Fund(s) is/are removed from the list of underlying funds under Appendix: Underlying Mutual Funds Available Under the Contract/Policy in the initial summary prospectus.
To submit a transfer request, or for further information or forms, please contact Nationwide:
•
by telephone at 1-800-848-6331 (TDD 1-800-238-3035)
•
by mail to P.O. Box 182021, Columbus, Ohio 43218-2021
•
by fax at 1-888-634-4472
•
by Internet at www.nationwide.com
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