Form 497VPI NATIONWIDE VARIABLE ACCO

April 27, 2026 1:08 PM EDT
Nationwide DestinationSM Architect 2.0
Individual Flexible Premium Deferred Variable Annuity Contracts
Issued by
Nationwide Life Insurance Company
through its
Nationwide Variable Account-II
Summary Prospectus for New Investors
May 1, 2026
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. The contracts described in this prospectus are not available in the state of New York.
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/C000118174NW/index.php?ctype=product_prospectus. You can also obtain this information at no cost by calling 1-800-848-6331 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.
This prospectus utilizes Rate Sheet Supplements to disclose current rates for certain optional benefits available under the contract. The most current Rate Sheet Supplement must be used in conjunction with the prospectus.
Under state insurance laws, Contract 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. This right is referred to as a "free look" right. The length of this time period depends on state law and may vary depending on whether the purchase is a replacement of another annuity contract. For ease of administration, Nationwide will honor any free look cancellation request that is in good order and received at the Service Center or postmarked within 30 days after the contract issue date (see Right to Examine and Cancel and Contacting the Service Center in the statutory prospectus).
If the Contract Owner elects to cancel the contract pursuant to the free look provision, where required by law, Nationwide will return the greater of the Contract Value or the amount of purchase payment(s) applied during the free look period, less any withdrawals from the contract, and applicable federal and state income tax withholding. Otherwise, Nationwide will return the Contract Value, less any withdrawals from the contract, and applicable federal and state income tax withholding (see Right to Examine and Cancel in the statutory prospectus).
All guarantees under the contract are subject to Nationwide’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 Contract 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.
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Glossary of Special Terms 
Accumulation Unit – An accounting unit of measure used to calculate the Contract Value allocated to the Variable
Account before the Annuitization Date.
Annuitant – The person(s) whose length of life determines how long annuity payments are paid. The Annuitant must
be living on the date the contract is issued.
Annuitization Date – The date on which annuity payments begin.
Charitable Remainder Trust – A trust meeting the requirements of Section 664 of the Internal Revenue Code.
Co-Annuitant – The person designated by the Contract Owner to receive the benefit associated with the Spousal
Protection Feature.
Contract Anniversary – Each recurring one-year anniversary of the date the contract was issued.
Contract Owner(s) – The person(s) who owns all rights under the contract.
Contract Value – The value of all Accumulation Units in a contract.
Contract Year – Each year the contract is in force beginning with the date the contract is issued.
Current Income Benefit Base – For purposes of the 7% Nationwide Lifetime Income Rider and Nationwide Lifetime
Income Track option, it is equal to the Original Income Benefit Base adjusted throughout the life of the contract to
account for subsequent purchase payments, excess withdrawals, early withdrawals (if applicable), reset
opportunities, and if elected, the Non-Lifetime Withdrawal. This amount is multiplied by the Lifetime Withdrawal
Percentage to arrive at the Lifetime Withdrawal Amount for any given year.
Daily Net Assets – A figure that is calculated at the end of each Valuation Date and represents the sum of all the
Contract Owners interests in the Sub-Accounts after the deduction of underlying mutual fund expenses.
Individual Retirement Annuity or IRA – An annuity contract that qualifies for favorable tax treatment under Section
408(b) of the Internal Revenue Code, but does not include Roth IRAs or Simple IRAs.
Lifetime Withdrawal – For purposes of the 7% Nationwide Lifetime Income Rider and Nationwide Lifetime Income
Track option, it is a withdrawal of all or a portion of the Lifetime Withdrawal Amount.
Lifetime Withdrawal Amount – For purposes of the 7% Nationwide Lifetime Income Rider and Nationwide Lifetime
Income Track option, the maximum amount that can be withdrawn between Contract/Option Anniversaries (and after
the Withdrawal Start Date for the Nationwide Lifetime Income Track option) without reducing the Current Income
Benefit Base. It is calculated annually, on each Contract/Option Anniversary (and adjusted between Nationwide
Income Track Anniversaries for subsequent purchase payments, excess withdrawals, and if elected, the Non-
Lifetime withdrawal) by multiplying the Current Income Benefit Base by the Lifetime Withdrawal Percentage.
Lifetime Withdrawal Percentage – An age-based percentage used to determine the Lifetime Withdrawal Amount
under the 7% Nationwide Lifetime Income Rider and Nationwide Lifetime Income Track option. The applicable
percentage is multiplied by the Current Income Benefit Base to arrive at the Lifetime Withdrawal Amount for any
given year.
Nationwide – Nationwide Life Insurance Company.
Net Asset Value – The value of one share of an underlying mutual fund at the close of regular trading on the New
York Stock Exchange.
Non-Lifetime Withdrawal – For purposes of the 7% Nationwide Lifetime Income Rider and Nationwide Lifetime
Income Track option, a one-time only election to take a withdrawal from the contract that will not initiate the benefit
under the option.
Non-Qualified Contract – A contract which does not qualify for favorable tax treatment as a Qualified Plan, IRA, Roth
IRA, SEP IRA, Simple IRA, or Tax Sheltered Annuity.
Option Anniversary – For purposes of the 7% Nationwide Lifetime Income Rider and Nationwide Lifetime Income
Track option, each recurring one-year anniversary of the date the option was elected.
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Original Income Benefit Base – For purposes of the 7% Nationwide Lifetime Income Rider and Nationwide Lifetime
Income Track option, the initial benefit base calculated on the date the option is elected, which is equal to the
Contract Value.
Roth IRA – An annuity contract that qualifies for favorable tax treatment under Section 408A of the Internal Revenue
Code.
SEC – Securities and Exchange Commission.
SEP IRA – An annuity contract which qualifies for favorable tax treatment under Section 408(k) of the Internal
Revenue Code.
Service Center – The department of Nationwide responsible for receiving all service and transaction requests relating
to the contract. For service and transaction requests submitted other than by telephone (including fax requests), the
Service Center is Nationwide's mail and document processing facility. For service and transaction requests
communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to
contact the Service Center is in the Contacting the Service Center provision in the statutory prospectus.
Sub-Accounts – Divisions of the Variable Account, each of which invests in a single underlying mutual fund.
Tax Sheltered Annuity – An annuity that qualifies for favorable tax treatment under Section 403(b) of the Internal
Revenue Code. Contracts issued pursuant to this prospectus cannot be issued as Tax Sheltered Annuities.
Valuation Date – Each day the New York Stock Exchange is open for business or any other day during which there is
a sufficient degree of trading such that the current Net Asset Value of the underlying mutual fund shares might be
materially affected. Values of the Variable Account are determined as of the close of regular trading on the New
York Stock Exchange, which generally closes at 4:00 p.m. EST.
Valuation Period – The period of time commencing at the close of a Valuation Date and ending at the close of
regular trading on the New York Stock Exchange for the next succeeding Valuation Date.
Variable Account – Nationwide Variable Account-II, a separate account that Nationwide established to hold Contract
Owner assets allocated to variable investment options. The Variable Account is divided into Sub-Accounts, each of
which invests in a separate underlying mutual fund.
Withdrawal Start Date – For purposes of the Nationwide Lifetime Income Track option, the date the Contract Owner
reaches age 59½, or if the Joint Option for the Nationwide Lifetime Income Track option is elected, the date the
younger spouse reaches age 59½.
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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. Nationwide has 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, the Contract Owner manages his/her assets in the contract according to their 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 the Annuitant dies before beginning income payments, the contract offers a death benefit.
Prospective purchasers should consult with a financial professional to determine whether this contract is appropriate for them, taking into consideration their 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, in connection with other Nationwide contracts that have the same Annuitant, or in connection with other Nationwide contracts that have different Annuitants but the same Contract Owner. It is not intended to be sold to a terminally ill Contract Owner or Annuitant.
If the Contract 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, Surrender/Withdrawal Prior to Annuitization, and Appendix C: Contract Types and Tax Information in the statutory prospectus).
Phases of the Contract
The contract exists in two separate phases: accumulation (savings) and annuitization (income). During the accumulation phase, the contract offers a variety of investment options to which the Contract 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 annuitization phase, Nationwide makes periodic income payments to the Annuitant. At the time of annuitization, the Contract Owner elects the duration of the annuity payments – either for a fixed period of time or for the duration of the Annuitant’s (and possibly the Annuitant’s spouse’s) life. The Contract Owner also elects whether the annuity payments will be fixed or variable. If variable annuity payments are elected, the Annuitant controls the allocation/reallocation of annuitized assets among the available Sub-Accounts. After annuitization begins, the only value associated with the contract is the stream of annuity payments; unless otherwise specified in the annuity option, amounts cannot be withdrawn from the contract over and above the annuity payments. Additionally, once annuitization has begun, there is no death benefit, which means that upon the death of the Annuitant (and the Annuitant’s spouse if a joint annuity option was elected), all payments stop and the contract terminates, unless the particular annuitization option provides otherwise. Any living benefit option, if elected, will also terminate upon annuitization.
Contract Features
Investment Options. Contract Owners can allocate Contract Value to Sub-Accounts that invest in underlying mutual funds, and/or the Fixed Account. Contract Owners can reallocate those assets at their discretion, subject to certain restrictions.
Deposits to the Contract. Contract Owners can apply additional purchase payments to the contract until the Annuitization Date, subject to certain restrictions.
Withdrawals from the Contract. Contract Owners can withdraw some or all of their Contract Value at any time prior to annuitization, subject to certain restrictions. A CDSC may apply. After annuitization, withdrawals other than annuity payments are not permitted.
Death Benefit. During the accumulation phase, the contract contains a standard death benefit (the greater of (i) Contract Value or (ii) the total of all purchase payments, less an adjustment for amounts withdrawn) at no additional charge.
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Optional Death Benefit. A death benefit option is available for an additional charge, which may provide a greater death benefit than the standard death benefit. The optional death benefit is:
•
One-Year Enhanced Death Benefit Option
Spousal Protection Feature. The standard death benefit and the One-Year Enhanced Death Benefit Option contain the Spousal Protection Feature, which allows a surviving spouse to continue the contract while receiving the economic benefit of the death benefit upon the death of the other spouse, subject to certain conditions.
Terminal Illness Surrender Benefit. The death benefit option contains the Enhanced Surrender Value for Terminal Illness feature. Under this feature, if after the first Contract Anniversary, the Contract Owner/ Annuitant (or Co-Annuitant, if applicable) is terminally ill and the Contract Owner fully surrenders the Contract, Nationwide will pay the Contract Value plus any additional amount necessary to equal the standard death benefit or, if elected, an optional death benefit, subject to certain conditions.
Living Benefit Options. Several living benefit options are available for an additional charge, which provide a guaranteed lifetime income stream for the Contract Owner and, if elected, the Contract Owner's spouse. Those options are:
•
7% Nationwide Lifetime Income Rider
•
Joint Option for the 7% Nationwide Lifetime Income Rider
•
Nationwide Lifetime Income Track Option
•
Joint Option for the Nationwide Lifetime Income Track Option
Annuity Payments. On the Annuitization Date, Nationwide will make annuity payments based on the annuity payment option chosen prior to annuitization.
Tax Deferral. Generally, Contract 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 Appendix C: Contract Types and Tax Information in the statutory prospectus).
Cancellation of the Contract. Under state insurance laws, Contract 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. Nationwide will honor any free look cancellation request that is in good order and received at the Service Center or postmarked within 30 days after the contract issue date (see Right to Examine and Cancel and Contacting the Service Center in the statutory prospectus).
Contract Owner Services. The contract offers several services at no additional charge to assist Contract Owners in managing their contract, including:
•
Asset Rebalancing
•
Dollar Cost Averaging
•
Systematic Withdrawals
•
Custom Portfolio Asset Rebalancing Service
•
Static Asset Allocation Model
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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 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
0.40%1
0.40%1
Underlying mutual fund fees and expenses
0.39%2
3.48%2
Optional benefits available for an additional
charge (for a single optional benefit, if elected)
0.20%3
1.50%3
1 As a percentage of Daily Net Assets.
2 As a percentage of underlying mutual fund net assets.
3 As a percentage of Daily Net Assets or Current Income Benefit Base, depending on the
optional benefit(s) elected.
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:
$762.50
Highest Annual Cost Estimate:
$5,065.11
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 combination of
optional benefits and underlying
mutual fund fees and expenses
● 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. Nationwide has 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 and
living benefit protections also mean that the contract is more beneficial to investors with a
long time horizon (see Principal Risks in the statutory prospectus).
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.
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RISKS
What Are the Risks
Related to the Insurance
Company?
Investment in the contract is subject to the risks associated with Nationwide, including that
any obligations, guarantees, or benefits are subject to the claims-paying ability of
Nationwide. More information about Nationwide, including its financial strength ratings, is
available by contacting Nationwide at the address and/or toll-free phone number indicated
in Contacting the Service Center (see Principal Risks in the statutory prospectus).
RESTRICTIONS
Are There Restrictions
on the Investment
Options?
Yes.
● Nationwide reserves the right to add, remove, and substitute investment options
available under the contract (see The Sub-Accounts and Underlying Mutual Funds in the
statutory prospectus).
● Transfers between Sub-Accounts are subject to policies designed to deter short-term
and excessively frequent transfers. Nationwide may restrict the form in which transfer
requests will be accepted (see Transfer Restrictions in the statutory prospectus).
● The availability of investment options may vary depending on the broker-dealer through
which the contract is sold (see Appendix G: Financial Intermediary Variations in the
statutory prospectus).
Are There any
Restrictions on Contract
Benefits?
Yes.
● Certain optional benefits limit or restrict the investment options available for investment.
● Nationwide reserves 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.
● For certain optional benefits, Nationwide reserves the right to refuse or limit subsequent
purchase payments.
● For certain optional benefits, a Contract Owner’s ability to continue to receive certain
benefits is contingent on a Contract Owner’s agreement to new terms and conditions.
● For certain optional benefits, while withdrawals are not restricted, the impact of certain
withdrawals could have a negative impact on the amount of the benefit ultimately
available.
● For certain optional benefits, certain withdrawals could negatively impact the amount of
the benefit by an amount greater than the amount withdrawn and/or could terminate the
optional benefit.
● If the Contract 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.
● The availability of certain optional benefits may vary by state.
● The availability of contract benefits may vary depending on the broker-dealer through
which the contract is sold (see Appendix G: Financial Intermediary Variations in the
statutory prospectus).
See Benefits Under the Contract and Appendix C: Contract Types and Tax Information 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 Contract
Owner reaches age 59½.
See Appendix C: Contract Types and Tax Information 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 Nationwide 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 Distribution,
Promotional, and Sales Expenses in the statutory prospectus).
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CONFLICTS OF INTEREST
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 Replacements and Distribution, Promotional, and Sales Expenses in the statutory
prospectus).
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 G: Financial Intermediary Variations in the statutory prospectus).
Standard Benefits Table 
Name of Benefit
Purpose
Maximum
Fee
Brief Description of Restrictions/Limitations
Standard Death Benefit
Death benefit upon
death of Annuitant prior
to Annuitization
None
● Certain ownership changes and assignments could
reduce the death benefit
● Nationwide may limit purchase payments to
$1,000,000
● Death benefit calculation is adjusted if purchase
payments exceed $3,000,000
Spousal Protection
Feature
Second death benefit
None
● Not applicable to Charitable Remainder Trusts
● One or both spouses (or a revocable trust of which
either or both of the spouses is/are grantor(s)) must
be named as the Contract Owner
● For contracts issued as an IRA or Roth IRA, only
the person for whom the IRA or Roth IRA was
established may be named as the Contract Owner
● Only available to Contract Owner’s spouse
● Spouses must be Co-Annuitants
● Both spouses must be 85 or younger at contract
issuance
● Spouses must be named as beneficiaries
● No other person may be named as Contract Owner,
Annuitant, or primary beneficiary
● If the Contract Owner requests to add a Co-
Annuitant after contract issuance, the date of
marriage must be after the contract issue date and
Nationwide will require the Contract Owner to
provide a copy of the marriage certificate
● Benefit is forfeited if certain changes to the parties
or assignments are made
Enhanced Surrender
Value for Terminal
Illness
Early payment of death
benefit (applicable to
both standard and
optional death benefits)
None
● Benefit is available after the first Contract
Anniversary
● Annuitant (or co-annuitant) must be terminally ill
● Requires full surrender of the contract
● Restrictions exist on the parties named to the
contract
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Name of Benefit
Purpose
Maximum
Fee
Brief Description of Restrictions/Limitations
Asset Rebalancing (see
Contract Owner
Services in the statutory
prospectus)
Automatic reallocation
of assets on a
predetermined
percentage basis
None
 
Dollar Cost Averaging
(see Contract Owner
Services in the statutory
prospectus)
Long-term transfer
program involving
automatic transfer of
assets
None
● Transfers are only permitted from a limited number
of Sub-Accounts
Systematic Withdrawals
(see Contract Owner
Services in the statutory
prospectus)
Automatic withdrawals
of Contract Value on a
periodic basis
None
● Withdrawals must be at least $100 each
Custom Portfolio Asset
Rebalancing Service
(see Contract Owner
Services in the statutory
prospectus)
Customizable asset
allocation tool with
automatic reallocation
on a periodic basis
None
● Only available for contracts that elect 7%
Nationwide Lifetime Income Rider or Nationwide
Lifetime Income Track option
● During the program, cannot participate in other
asset allocation or asset rebalancing programs
● Allocation limitations exist based on asset allocation
models with distinct investment goals
Static Asset Allocation
Model (see Contract
Owner Services in the
statutory prospectus)
Preset asset allocation
models with periodic
rebalancing
None
● Only available for contracts that elect a living
benefit
● Availability may be restricted based on the living
benefit elected
● The entire Contract Value must be allocated to the
elected model
Optional Benefits Table 
Name of Benefit
Purpose
Maximum
Fee
Current Fee
Brief Description of Restrictions/
Limitations
One-Year Enhanced
Death Benefit Option
Enhanced death benefit
0.20% ( Daily
Net Assets)
0.20% (Daily
Net Assets)
● Annuitant must be 80 or younger at
application
● Must be elected at application
● Election is irrevocable
● Certain ownership changes and
assignments could reduce the death
benefit
● Nationwide may limit purchase
payments to $1,000,000
● Death benefit calculation is adjusted
if purchase payments exceed
$3,000,000
10
Name of Benefit
Purpose
Maximum
Fee
Current Fee
Brief Description of Restrictions/
Limitations
7% Nationwide Lifetime
Income Rider
Guaranteed lifetime
income stream
1.50%
(Current
Income
Benefit
Base)
1.20%
(Current
Income
Benefit
Base)
● May not be elected if another living
benefit is elected
● Must be elected at application
● Election is irrevocable
● Not available for beneficially owned
contracts
● Not available if the C Schedule
Option is elected
● Investment limitations
● Current charge could change
● Subsequent purchase payment
limitations
● Determining life must be between 45
(50 in New York) and 85 at
application
● Determining life cannot be changed
Joint Option for the 7%
Nationwide Lifetime
Income Rider
Extension of
guaranteed lifetime
income stream for
spouse
0.40%
(Current
Income
Benefit
Base)
0.30%
(Current
Income
Benefit
Base)
● Only available if the 7% Nationwide
Lifetime Income Rider option is
elected
● Must be elected at application
● Limitations on revocability
● Not available for beneficially owned
contracts
● Not available for Charitable
Remainder Trusts
● Only available to Contract Owner’s
spouse
● Both spouses must be between 45
(50 in New York) and 85 at
application
● Restrictions exist on the parties
named to the contract
Nationwide Lifetime
Income Track Option
Guaranteed lifetime
income stream
1.50%
(Current
Income
Benefit
Base)
0.80%
(Current
Income
Benefit
Base)
● May not be elected if another living
benefit is elected
● Must be elected at application
● Election is irrevocable
● Not available for beneficially owned
contracts
● Investment limitations
● Current charge could change
● Nationwide may limit subsequent
purchase payments
● Certain ownership changes and
assignments could terminate the
benefit
● Determining life must be 85 or
younger at application
● Determining life cannot be changed
● Restrictions exist on the parties
named to the contract
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Name of Benefit
Purpose
Maximum
Fee
Current Fee
Brief Description of Restrictions/
Limitations
Joint Option for the
Nationwide Lifetime
Income Track Option
Extension of
guaranteed lifetime
income stream for
spouse
0.40%
(Current
Income
Benefit
Base)
0.15%
(Current
Income
Benefit
Base)
● Only available if the Nationwide
Lifetime Income Track option is
elected
● Must be elected at application
● Limitations on revocability
● Not available for beneficially owned
contracts
● Not available for Charitable
Remainder Trusts
● Only available to Contract Owner’s
spouse
● Both spouses must be 85 or younger
at application
● Restrictions exist on the parties
named to the contract
Buying the Contract
Minimum Initial and Subsequent Purchase Payments
All purchase payments must be paid in the currency of the United States of America. The minimum initial purchase payment is $25,000. A Contract Owner will meet the minimum initial purchase payment requirement if purchase payments equal to the required minimum are made over the course of the first Contract Year. The minimum subsequent purchase payment is $1,000. However, for subsequent purchase payments sent via electronic deposit, the minimum subsequent purchase payment is $150.
Some states have different minimum initial and subsequent purchase payment amounts, and subsequent purchase payments may not be permitted in all states. See Appendix B: State Variations in the statutory prospectus for information on subsequent purchase payment requirements in a particular state.
Some optional benefits may restrict the Contract Owner's ability to make subsequent purchase payments.
Nationwide reserves the right to refuse any purchase payment that would result in the cumulative total for all contracts issued by Nationwide or its affiliates or subsidiaries on the life of any one Annuitant or owned by any one Contract Owner to exceed $1,000,000. Its decision as to whether or not to accept a purchase payment in excess of that amount will be based on one or more factors, including, but not limited to: age, spouse age (if applicable), Annuitant age, state of issue, total purchase payments, optional benefits elected, current market conditions, and current hedging costs. All such decisions will be based on internally established actuarial guidelines and will be applied in a non-discriminatory manner. In the event that Nationwide does not accept a purchase payment under these guidelines, the purchase payment will be immediately returned in its entirety in the same manner as it was received. If Nationwide accepts the purchase payment, it will be applied to the contract immediately and will receive the next calculated Accumulation Unit value. Any references in this prospectus to purchase payment amounts in excess of $1,000,000 are assumed to have been approved by Nationwide.
Nationwide prohibits subsequent purchase payments made after death of the Contract Owner(s), the Annuitant, or Co-Annuitant. If upon notification of death of the Contract Owner(s), the Annuitant, or Co-Annuitant, it is determined that death occurred prior to a subsequent purchase payment being made, Nationwide reserves the right to return the purchase payment.
Dollar Limit Restrictions
Certain features of the contract have additional purchase payment and/or Contract Value limitations associated with them:
Annuitization. Annuity payment options will be limited if the Contract Owner submits total purchase payments in excess of $2,000,000. Furthermore, if the amount to be annuitized is greater than $5,000,000, Nationwide may limit both the amount that can be annuitized on a single life and the annuity payment options (see Annuity Payment Options in the statutory prospectus).
12
Death Benefit Calculations. Purchase payments up to $3,000,000 may result in a higher death benefit payment than purchase payments in excess of $3,000,000 (see Death Benefit Calculations in the statutory prospectus).
Subsequent Purchase Payments. If the Contract Owner elects the 7% Nationwide Lifetime Income Rider or Nationwide Lifetime Income Track option, subsequent purchase payments may be limited to an aggregate total of $50,000 per calendar year. If the Contract Owner elects the Nationwide Lifetime Income Capture option, Nationwide reserves the right to refuse any subsequent purchase payments. Contract Owners should consider this reservation of right when making the initial purchase payment.
Application of Purchase Payments
Initial Purchase Payments
Initial purchase payments will be priced at the Accumulation Unit value next determined no later than two business days after receipt of an order to purchase if the application and all necessary information are complete and are received at the Service Center before the close of regular trading on the New York Stock Exchange, which generally occurs at 4:00 p.m. EST. If the order is received after the close of regular trading on the New York Stock Exchange, the initial purchase payment will be priced within two business days after the next Valuation Date.
If an incomplete application is not completed within five business days after receipt at the Service Center, the prospective purchaser will be informed of the reason for the delay. The purchase payment will be returned unless the prospective purchaser specifically consents to allow Nationwide to hold the purchase payment until the application is completed.
Subsequent Purchase Payments
Any subsequent purchase payment received at the Service Center (along with all necessary information) before the close of regular trading on the New York Stock Exchange on any Valuation Date will be priced at the Accumulation Unit value next determined after receipt of the purchase payment. If a subsequent purchase payment is received at the Service Center (along with all necessary information) after the close of regular trading on the New York Stock Exchange, it will be priced at the Accumulation Unit value determined on the following Valuation Date.
Making Withdrawals: Accessing the Money in Your Contract
Surrender/Withdrawal Prior to Annuitization
Prior to annuitization and before the Annuitant's death, Contract Owners may generally withdraw some or all of their Contract Value. Withdrawals from the contract may be subject to federal income tax and/or a tax penalty (see Appendix C: Contract Types and Tax Information in the statutory prospectus). Withdrawal requests may be submitted in writing or by telephone to the Service Center and Nationwide may require additional information. Requests submitted by telephone may be subject to dollar amount limitations and may be subject to payment and other restrictions to prevent fraud. Nationwide reserves the right to require written requests to be submitted on current Nationwide forms for withdrawals. Nationwide reserves the right to remove the ability to submit requests by telephone upon written notice. Contact the Service Center for current limitations and restrictions. When taking a full surrender, Nationwide may require that the contract accompany the request. Nationwide may require a signature guarantee.
Surrender and withdrawal requests will receive the Accumulation Unit value next determined at the end of the current Valuation Period if the request and all necessary information is received at the Service Center before the close of regular trading on the New York Stock Exchange (generally, 4:00 pm EST). If the request and all necessary information is received after the close of regular trading on the New York Stock Exchange, the request will receive the Accumulation Unit value determined at the end of the next Valuation Day.
Nationwide will pay any amounts withdrawn from the Sub-Accounts within seven days after the request is received in good order at the Service Center (see Determining the Contract Value in the statutory prospectus). However, Nationwide may suspend or postpone payment when it is unable to price a purchase payment or transfer, or as permitted or required by federal securities laws and rules and regulations of the SEC.
Surrender/Withdrawal After Annuitization
After the Annuitization Date, withdrawals other than regularly scheduled annuity payments are not permitted.
13
Additional Information About Fees
The following tables describe the fees, expenses, adjustments that a Contract 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 Contract 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 Contract Owner; if those charges were reflected, the fees and expenses would be higher.
The first table describes the fees and expenses that a Contract Owner will pay each year during the time that the Contract 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. State premium taxes may also be deducted.  
Annual Contract Expenses
Base Contract Expenses1 (assessed as an annualized percentage of Daily Net Assets)
0.40%
Optional Benefit Expenses2
 
One-Year Enhanced Death Benefit Option Charge (assessed as an annualized percentage of Daily Net Assets)
0.20%
Living Benefit Options3 (assessed annually as a percentage of the Current Income Benefit Base4)
 
Maximum 7% Nationwide Lifetime Income Rider Option Charge
1.50%5
Maximum Joint Option for the 7% Nationwide Lifetime Income Rider Option Charge (this is in addition to the
charge for the 7% Nationwide Lifetime Income Rider option)
0.40%6
Maximum Nationwide Lifetime Income Track Option Charge
1.50%7
Maximum Joint Option for the Nationwide Lifetime Income Track Option Charge (this is in addition to the
charge for the Nationwide Lifetime Income Track Option)
0.40%8
 
1
Throughout the statutory prospectus, the Base Contract Expenses will be referred to as Mortality and Expense Risk Charge and Administrative Charge, as appropriate.
2
Unless otherwise indicated, charges for optional benefits are only assessed prior to the Annuitization Date (see Charges and Deductions in the statutory prospectus).
3
Only one living benefit option (and its corresponding joint option) may be elected.
4
For information about how the Current Income Benefit Base is calculated, see 7% Nationwide Lifetime Income Rider and Nationwide Lifetime Income Track Option in the statutory prospectus.
5
Currently, the charge associated with the 7% Nationwide Lifetime Income Rider is equal to 1.20% of the Current Income Benefit Base.
6
Currently, the charge associated with the Joint Option for the 7% Nationwide Lifetime Income Option is equal to 0.30% of the Current Income Benefit Base.
7
Currently, the charge associated with the Nationwide Lifetime Income Track Option is equal to 0.80% of the Current Income Benefit Base.
8
Currently, the charge associated with the Joint Option for the Nationwide Lifetime Income Track option is equal to 0.15% of the Current Income Benefit Base.
The next item shows the minimum and maximum total operating expenses charged by the underlying mutual funds that the Contract Owner may pay periodically during the life of the contract. 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
management fees, distribution and/or service (12b-1) fees, and other expenses, as a
percentage of average underlying mutual fund net assets.)
0.39%
3.48%
14
Example
This Example is intended to help Contract 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 Contract 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;
•
a 5% return each year;
•
the maximum and the minimum annual underlying mutual fund expenses;
•
Variable Account charges that reflect the most expensive combination of optional benefits available for an additional charge (2.50%).1 Specifically:
•
One-Year Enhanced Death Benefit Option,
•
one of the living benefit options, and
•
the corresponding living benefit joint option.
Although your actual costs may be higher or lower, based on these assumptions, your costs would be:  
 
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
(3.48%)
$6,279
$18,597
$30,602
$59,297
*
$18,597
$30,602
$59,297
$6,279
$18,597
$30,602
$59,297
Minimum Annual
Underlying
Mutual Fund
Expenses
(0.39%)
$3,035
$9,284
$15,781
$33,175
*
$9,284
$15,781
$33,175
$3,035
$9,284
$15,781
$33,175
*
The contracts sold under this prospectus do not permit annuitization during the first two Contract Years.
1
The total Variable Account charges associated with the most expensive allowable combination of optional benefits may be higher or lower depending on whether the Current Income Benefit Base is higher or lower than the Daily Net Assets. For purposes of this table, Nationwide assumes the Current Income Benefit Base is equal to the Daily Net Assets.
15
Appendix: Investment Options Available Under the Contract
The following is a list of underlying mutual funds available under the contract. More information about the underlying mutual funds is available in the prospectuses for the underlying mutual funds, which may be amended from time to time and can be found online at https://nationwide.onlineprospectus.net/NW/C000118174NW/index.php. This information can also be obtained at no cost by calling 1-800-848-6331 or by sending an email request to [email protected]. Depending on the optional benefits chosen, access to certain underlying mutual funds may be limited. The availability of investment options may vary depending on the broker-dealer through which the contract is sold (see Appendix G: Financial Intermediary Variations in the statutory prospectus).
The current expenses and performance information below reflects fees and expenses of the underlying mutual funds, but do not reflect the other fees and expenses that the contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each underlying mutual fund’s past performance is not necessarily an indication of future performance. 
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Equity
AllianceBernstein Variable Products Series Fund, Inc. - AB
VPS Discovery Value Portfolio: Class A
Investment Advisor: AllianceBernstein L.P.
0.82%
2.89%
8.75%
8.55%
Allocation
American Funds Insurance Series® - Capital Income
Builder®: Class 4
Investment Advisor: Capital Research and Management
Company
0.78%*
20.16%
8.82%
7.32%
Equity
American Funds Insurance Series® - Global Small
Capitalization Fund: Class 4
Investment Advisor: Capital Research and Management
Company
1.15%*
14.33%
0.23%
6.96%
Fixed Income
American Funds Insurance Series® - U.S. Government
Securities Fund: Class 2
Investment Advisor: Capital Research and Management
Company
0.50%*
7.75%
-0.23%
1.70%
Equity
American Funds Insurance Series® - Washington Mutual
Investors Fund: Class 4
Investment Advisor: Capital Research and Management
Company
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%*
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%*
7.14%
-0.75%
1.82%
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%*
19.51%
5.51%
7.33%
Equity
Columbia Funds Variable Insurance Trust - Columbia
Variable Portfolio - Small Cap Value Discovery Fund: Class
2 (formerly, Columbia Funds Variable Series Trust -
Columbia Variable Portfolio - Small Cap Value Discovery
Fund: Class 2)
Investment Advisor: Columbia Management Investment Advisors,
LLC
1.13%*
14.66%
12.19%
11.20%
16
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Equity
Columbia Funds Variable Insurance Trust - Columbia
Variable Portfolio - Small Company Growth Fund: Class 2
(formerly, Columbia Funds Variable Series Trust - Columbia
Variable Portfolio - Small Company Growth Fund: Class 2)
Investment Advisor: Columbia Management Investment Advisors,
LLC
1.12%*
21.29%
3.32%
14.89%
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%*
15.30%
12.44%
6.46%
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%*
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%*
7.55%
1.20%
1.94%
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%*
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%*
6.00%
1.90%
2.94%
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%
7.83%
8.93%
8.84%
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%
10.03%
4.88%
4.52%
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%
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%
21.19%
15.08%
15.49%
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%
10.34%
23.86%
7.69%
17
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
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%
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%
21.21%
15.83%
13.56%
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%
14.61%
13.41%
17.15%
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%
6.93%
-0.21%
2.45%
Equity
Fidelity Variable Insurance Products Fund - VIP Utilities
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
0.85%
13.83%
12.24%
12.23%
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%
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%
7.70%
11.87%
10.54%
Equity
Franklin Templeton Variable Insurance Products Trust -
Franklin Small Cap Value VIP Fund: Class 2
Investment Advisor: Franklin Mutual Advisers, LLC
0.91%*
7.65%
8.86%
9.81%
Equity
Goldman Sachs Variable Insurance Trust - Goldman Sachs
Mid Cap Growth Fund: Service Shares
Investment Advisor: Goldman Sachs Asset Management, L.P.
0.98%*
7.36%
4.68%
11.59%
Equity
Goldman Sachs Variable Insurance Trust - Goldman Sachs
Small Cap Equity Insights Fund: Service Shares
Investment Advisor: Goldman Sachs Asset Management, L.P.
1.07%*
15.82%
10.19%
10.58%
Equity
Invesco - Invesco V.I. Discovery Mid Cap Growth Fund:
Series II
Investment Advisor: Invesco Advisers, Inc.
1.11%
4.53%
3.64%
11.10%
18
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Allocation
Janus Aspen Series - Janus Henderson Balanced Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC
0.87%
14.82%
8.21%
9.86%
Equity
Janus Aspen Series - Janus Henderson Enterprise Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC
0.97%
7.41%
7.35%
12.51%
Fixed Income
Janus Aspen Series - Janus Henderson Flexible Bond
Portfolio: Service Shares
Investment Advisor: Janus Henderson Investors US LLC
0.82%*
7.22%
-0.47%
2.07%
Equity
Janus Aspen Series - Janus Henderson Global Research
Portfolio: Service Shares
Investment Advisor: Janus Henderson Investors US LLC
1.07%
20.60%
12.23%
12.64%
Equity
Janus Aspen Series - Janus Henderson Global Sustainable
Equity Portfolio: Institutional Shares
Investment Advisor: Janus Henderson Investors US LLC
0.74%*
17.46%
 
 
Equity
Janus Aspen Series - Janus Henderson Global Technology
and Innovation Portfolio: Service Shares
Investment Advisor: Janus Henderson Investors US LLC
0.97%
24.84%
13.44%
21.18%
Equity
Lincoln Variable Insurance Products Trust - LVIP BlackRock
Equity Dividend Fund: Service Class
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: BlackRock Financial Management, Inc.
0.96%*
13.09%
7.97%
8.27%
Fixed Income
Lord Abbett Series Fund, Inc. - Short Duration Income
Portfolio: Class VC
Investment Advisor: Lord, Abbett & Co. LLC
0.72%*
5.90%
2.25%
2.62%
Fixed Income
Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class
VC
Investment Advisor: Lord, Abbett & Co. LLC
0.71%
7.19%
0.07%
2.28%
Equity
MFS® Variable Insurance Trust - MFS New Discovery Series:
Service Class
Investment Advisor: Massachusetts Financial Services Company
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%*
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%*
20.81%
6.80%
9.60%
Equity
MFS® Variable Insurance Trust II - MFS International
Intrinsic Equity Portfolio: Service Class (formerly, MFS®
Variable Insurance Trust II - MFS International Intrinsic
Value Portfolio: Service Class)
Investment Advisor: Massachusetts Financial Services Company
1.14%*
32.96%
7.02%
9.68%
Equity
MFS® Variable Insurance Trust II - MFS Research
International Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company
1.15%*
21.75%
5.25%
7.27%
Equity
Nationwide Variable Insurance Trust - NVIT Allspring
Discovery Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Allspring Global Investments, LLC
1.08%*
5.62%
-2.35%
9.38%
Allocation
Nationwide Variable Insurance Trust - NVIT American Funds
Asset Allocation Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
0.92%*
15.41%
8.56%
9.36%
19
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Fixed Income
Nationwide Variable Insurance Trust - NVIT American Funds
Bond Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
0.85%*
6.73%
-0.54%
1.96%
Equity
Nationwide Variable Insurance Trust - NVIT American Funds
Global Growth Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
1.04%*
21.21%
7.82%
11.73%
Equity
Nationwide Variable Insurance Trust - NVIT American Funds
Growth Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
0.97%*
19.78%
12.94%
17.52%
Equity
Nationwide Variable Insurance Trust - NVIT American Funds
Growth-Income Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
0.91%*
17.64%
13.48%
13.48%
Equity
Nationwide Variable Insurance Trust - NVIT BlackRock
Equity Dividend Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.80%*
21.44%
11.53%
11.37%
Allocation
Nationwide Variable Insurance Trust - NVIT BlackRock
Managed Global Allocation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC and
Nationwide Asset Management, LLC
1.15%*
14.84%
4.16%
6.06%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.99%*
18.45%
10.71%
10.40%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Balanced Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.87%*
12.47%
5.93%
6.60%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Capital Appreciation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.90%*
14.94%
8.14%
8.51%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.83%*
8.70%
2.68%
3.95%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Moderate Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
0.89%*
13.52%
7.12%
7.62%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Moderately Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.95%*
16.43%
9.35%
9.45%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Moderately Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.87%*
11.10%
4.86%
5.78%
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%*
17.18%
12.58%
14.44%
Equity
Nationwide Variable Insurance Trust - NVIT BNY Mellon
Dynamic U.S. Equity Income: Class Z
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Newton Investment Management Limited
0.88%*
18.55%
14.51%
11.51%
20
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Fixed Income
Nationwide Variable Insurance Trust - NVIT Bond Index
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.39%
6.80%
-0.75%
1.63%
Fixed Income
Nationwide Variable Insurance Trust - NVIT DoubleLine
Total Return Tactical Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: DoubleLine Capital LP
0.98%*
7.31%
0.22%
 
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%*
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%*
 
 
 
Fixed Income
Nationwide Variable Insurance Trust - NVIT Government
Bond Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
0.69%*
7.00%
-0.62%
1.17%
Capital Preservation
Nationwide Variable Insurance Trust - NVIT Government
Money Market Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Federated Investment Management Company
0.47%
3.91%
2.95%
1.85%
Equity
Nationwide Variable Insurance Trust - NVIT International
Equity Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Lazard Asset Management LLC
1.13%*
38.97%
12.52%
9.67%
Equity
Nationwide Variable Insurance Trust - NVIT International
Index Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.70%
30.38%
8.26%
7.67%
Equity
Nationwide Variable Insurance Trust - NVIT Invesco Small
Cap Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Invesco Advisers, Inc.
1.32%
16.08%
4.69%
11.45%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
1.02%
19.26%
8.48%
9.50%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Balanced Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.94%
12.97%
4.84%
6.03%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Capital Appreciation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.90%*
15.70%
6.58%
7.85%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.92%
8.90%
1.96%
3.37%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Moderate Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.97%
14.42%
5.67%
6.92%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Moderately Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
1.00%
17.38%
7.41%
8.61%
21
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Moderately Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.93%
11.68%
3.78%
5.12%
Equity
Nationwide Variable Insurance Trust - NVIT iShares® Global
Equity ETF Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.75%*
18.00%
10.86%
 
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%*
32.66%
 
 
Equity
Nationwide Variable Insurance Trust - NVIT J.P. Morgan
Equity and Options Total Return Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: J.P. Morgan Investment Management Inc.
1.04%
16.22%
9.58%
11.58%
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%*
 
 
 
Equity
Nationwide Variable Insurance Trust - NVIT J.P. Morgan U.S.
Equity Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: J.P. Morgan Investment Management Inc.
0.94%
14.09%
13.02%
 
Equity
Nationwide Variable Insurance Trust - NVIT Jacobs Levy
Large Cap Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc.
0.95%*
13.82%
18.76%
17.73%
Fixed Income
Nationwide Variable Insurance Trust - NVIT Loomis Core
Bond Fund: Class P
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Loomis, Sayles & Company, L.P.
0.68%
6.79%
-0.86%
1.98%
Fixed Income
Nationwide Variable Insurance Trust - NVIT Loomis Short
Term Bond Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Loomis, Sayles & Company, L.P.
0.80%
5.43%
1.88%
2.12%
Fixed Income
Nationwide Variable Insurance Trust - NVIT Loomis Short
Term High Yield Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Loomis, Sayles & Company, L.P.
0.87%*
5.66%
3.26%
5.38%
Equity
Nationwide Variable Insurance Trust - NVIT Mid Cap Index
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.41%
7.05%
8.70%
10.28%
Equity
Nationwide Variable Insurance Trust - NVIT Multi-Manager
Small Company Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc. and Invesco
Advisers, Inc.
1.05%*
10.35%
8.62%
11.00%
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%*
 
 
 
Equity
Nationwide Variable Insurance Trust - NVIT Putnam
International Value Fund: Class Z
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Putnam Investment Management, LLC
1.08%*
34.95%
10.90%
7.45%
22
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Equity
Nationwide Variable Insurance Trust - NVIT Real Estate
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Wellington Management Company LLP
1.17%*
0.33%
5.43%
5.75%
Equity
Nationwide Variable Insurance Trust - NVIT S&P 500 Index
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.49%*
17.35%
13.87%
14.26%
Equity
Nationwide Variable Insurance Trust - NVIT Small Cap Index
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.58%*
12.14%
5.54%
9.10%
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%*
2.17%
8.01%
7.69%
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%
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%*
2.39%
7.91%
7.66%
Equity
New Age Alpha Variable Funds Trust - NAA Large Growth
Series
Investment Advisor: New Age Alpha Advisors, LLC
1.01%*
17.02%
13.89%
17.04%
Hybrid Securities
New York Life Investments VP Funds Trust - NYLIM VP
MacKay Convertible Portfolio: Service 2 Class (formerly,
New York Life Investments VP Funds Trust - NYLI VP
MacKay Convertible Portfolio: Service 2 Class)
Investment Advisor: New York Life Investment Management LLC
Sub-Advisor: MacKay Shields LLC
0.92%
15.99%
5.24%
10.00%
Allocation
PIMCO Variable Insurance Trust - All Asset Portfolio:
Advisor Class
Investment Advisor: PIMCO
Sub-Advisor: Research Affiliates, LLC
2.23%*
14.19%
5.49%
6.67%
Real Assets
PIMCO Variable Insurance Trust - Commodity RealReturn®
Strategy Portfolio: Advisor Class
Investment Advisor: PIMCO
3.29%*
18.66%
10.44%
6.42%
Fixed Income
PIMCO Variable Insurance Trust - Dynamic Bond Portfolio:
Advisor Class
Investment Advisor: PIMCO
1.16%
8.00%
2.91%
3.45%
Fixed Income
PIMCO Variable Insurance Trust - Emerging Markets Bond
Portfolio: Advisor Class
Investment Advisor: PIMCO
1.27%
14.86%
2.34%
4.96%
Fixed Income
PIMCO Variable Insurance Trust - High Yield Portfolio:
Advisor Class
Investment Advisor: PIMCO
0.91%
8.85%
3.87%
5.47%
Fixed Income
PIMCO Variable Insurance Trust - Income Portfolio: Advisor
Class
Investment Advisor: PIMCO
1.02%
10.08%
3.31%
 
Fixed Income
PIMCO Variable Insurance Trust - International Bond
Portfolio (U.S. Dollar-Hedged): Administrative Class
Investment Advisor: PIMCO
1.09%
3.95%
1.03%
2.88%
23
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Fixed Income
PIMCO Variable Insurance Trust - Real Return Portfolio:
Advisor Class
Investment Advisor: PIMCO
1.49%
7.74%
1.11%
3.11%
Fixed Income
PIMCO Variable Insurance Trust - Short-Term Portfolio:
Advisor Class
Investment Advisor: PIMCO
0.75%
4.57%
3.14%
2.65%
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%
20.35%
15.38%
13.30%
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%
10.69%
10.34%
14.69%
Equity
T. Rowe Price Equity Series, Inc. - T. Rowe Price Health
Sciences Portfolio: II
Investment Advisor: T. Rowe Price Associates, Inc.
1.11%
17.80%
3.86%
8.70%
Equity
VanEck VIP Trust - VanEck VIP Global Gold Fund: Class S
Investment Advisor: Van Eck Associates Corporation
1.45%*
164.43%
20.00%
20.88%
Equity
VanEck VIP Trust - VanEck VIP Global Resources Fund:
Class S
Investment Advisor: Van Eck Associates Corporation
1.32%
36.17%
10.24%
8.06%
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%*
0.72%
6.06%
5.95%
*
This underlying mutual fund’s current expenses reflect a temporary fee reduction.
Income Benefit Investment Options
Certain optional benefits restrict how the Contract Owner can invest their Contract Value by limiting the investment options in which the Contract Owner can invest and/or requiring use of a specified asset allocation service. The investment options available under each optional living benefit are chosen by Nationwide based on each investment option’s risk characteristics. The permitted investment options are more conservative than those that are not permitted. This helps Nationwide manage its obligation to provide Contract Owners with Lifetime Withdrawals by reducing the likelihood that it will have to make unanticipated payments. By electing an optional living benefit and accepting the limited menu of investment options, Contract Owners may be foregoing investment gains that could otherwise be realized by investing in riskier investment options that are not available under the optional living benefit. Only the investment options shown below (and designated by an "X") are available in connection with the respective optional benefit. 
Investment Option
7%
Nationwide
Lifetime
Income
Rider
Nationwide
Lifetime
Income
Track
Option
Nationwide Variable Insurance Trust - NVIT American Funds Asset Allocation Fund: Class II
 
X
Nationwide Variable Insurance Trust - NVIT Blueprint® Balanced Fund: Class II
X
X
Nationwide Variable Insurance Trust - NVIT Blueprint® Capital Appreciation Fund: Class II
 
X
Nationwide Variable Insurance Trust - NVIT Blueprint® Conservative Fund: Class II
X
X
Nationwide Variable Insurance Trust - NVIT Blueprint® Moderate Fund: Class II
 
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Balanced Fund: Class II
X
X
24
Investment Option
7%
Nationwide
Lifetime
Income
Rider
Nationwide
Lifetime
Income
Track
Option
Nationwide Variable Insurance Trust - NVIT Investor Destinations Capital Appreciation Fund:
Class II
 
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Conservative Fund: Class II
X
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderate Fund: Class II
X
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Conservative
Fund: Class II
X
X
Static Asset Allocation Models - American Funds Managed Option (33% NVIT - NVIT American
Funds Bond Fund, 33% NVIT - NVIT Managed American Funds Asset Allocation Fund, 34%
NVIT - NVIT Managed American Funds Growth-Income Fund)
X
 
Static Asset Allocation Models - American Funds Option (33% NVIT American Funds Asset
Allocation Fund, 33% NVIT American Funds Bond Fund and 34% NVIT American Funds
Growth-Income Fund)
X
X
Static Asset Allocation Models - BlackRock Option (34% NVIT BlackRock Equity Dividend V.I.
Fund, 33% NVIT BlackRock Managed Global Allocation Fund, 33% BlackRock Total Return V.I.
Fund)
X
X
Static Asset Allocation Models - Fidelity® VIP Funds Option (35% Fidelity VIP Balanced
Portfolio - Service Class 2, 30% Fidelity VIP Growth & Income Portfolio - Service Class 2, 35%
Fidelity VIP Investment Grade Bond Portfolio - Service Class 2)
X
X
Static Asset Allocation Models - Nationwide Variable Insurance Trust iShares Option (50%
Nationwide Variable Insurance Trust - NVIT iShares® Fixed Income ETF Fund: Class II, 50%
Nationwide Variable Insurance Trust - NVIT iShares® Global Equity ETF Fund: Class II)
X
X
Custom Portfolio Asset Rebalancing Service - Balanced
X
X
Custom Portfolio Asset Rebalancing Service - Capital Appreciation
X
X
Custom Portfolio Asset Rebalancing Service - Conservative
X
X
Custom Portfolio Asset Rebalancing Service - Moderate
 
X
Custom Portfolio Asset Rebalancing Service - Moderately Conservative
X
X
Custom Portfolio Asset Rebalancing Service Investment Options
Contract Owners who elect to participate in the Custom Portfolio Asset Rebalancing Service are limited to only the investment options shown below. Additionally, each model has unique allocation requirements for each asset class. These tables disclose only the Sub-Accounts currently available in each asset class and the current allocation percentages for each asset class and model. 
Asset Class
Conservative
Moderately
Conservative
Balanced
Moderate
(Nationwide Lifetime
Income Track
Option only)
Capital
Appreciation
(Nationwide Lifetime
Income Track
Option only)
Large Growth
6%
12%
14%
17%
19%
Large Value
6%
12%
14%
17%
19%
Mid-Cap
2%
3%
4%
4%
6%
Small-Cap
2%
3%
4%
4%
4%
International Growth
2%
5%
7%
9%
11%
International Value
2%
5%
7%
9%
11%
Bonds
51%
41%
36%
31%
25%
Short-Term Bonds
29%
19%
14%
9%
5%
Cash
0%
0%
0%
0%
0%
25
Asset Class
Conservative
Moderately
Conservative
Balanced
Moderate
(Nationwide Lifetime
Income Track
Option only)
Capital
Appreciation
(Nationwide Lifetime
Income Track
Option only)
GRAND TOTAL
100%
100%
100%
100%
100%
The following table indicates the investment options (designated with an "X") that are available in each asset class: 
Investment Option
Large
Value
Large
Growth
International
Growth
Mid-Cap
Small-Cap
International
Value
Bonds
Short-
Term
Bonds
Cash
AllianceBernstein Variable
Products Series Fund, Inc. - AB
VPS Discovery Value Portfolio:
Class A
 
 
 
X
 
 
 
 
 
BlackRock Variable Series
Funds II, Inc. - BlackRock Total
Return V.I. Fund: Class III
 
 
 
 
 
 
X
 
 
Delaware VIP Trust - Nomura
VIP Small Cap Value Series:
Service Class
 
 
 
 
X
 
 
 
 
Fidelity Variable Insurance
Products Fund - VIP Growth &
Income Portfolio: Service Class
2
X
 
 
 
 
 
 
 
 
Fidelity Variable Insurance
Products Fund - VIP Growth
Portfolio: Service Class 2
 
X
 
 
 
 
 
 
 
Fidelity Variable Insurance
Products Fund - VIP
Investment Grade Bond
Portfolio: Service Class 2
 
 
 
 
 
 
X
 
 
Goldman Sachs Variable
Insurance Trust - Goldman
Sachs Small Cap Equity
Insights Fund: Service Shares
 
 
 
 
X
 
 
 
 
Janus Aspen Series - Janus
Henderson Enterprise Portfolio:
Service Shares
 
 
 
X
 
 
 
 
 
Janus Aspen Series - Janus
Henderson Flexible Bond
Portfolio: Service Shares
 
 
 
 
 
 
X
 
 
Lord Abbett Series Fund, Inc. -
Total Return Portfolio: Class VC
 
 
 
 
 
 
X
 
 
MFS® Variable Insurance Trust
- MFS New Discovery Series:
Service Class
 
 
 
 
X
 
 
 
 
MFS® Variable Insurance Trust
- MFS Value Series: Service
Class
X
 
 
 
 
 
 
 
 
26
Investment Option
Large
Value
Large
Growth
International
Growth
Mid-Cap
Small-Cap
International
Value
Bonds
Short-
Term
Bonds
Cash
MFS® Variable Insurance Trust
II - MFS International Intrinsic
Equity Portfolio: Service Class
(formerly, MFS® Variable
Insurance Trust II - MFS
International Intrinsic Value
Portfolio: Service Class)
 
 
 
 
 
X
 
 
 
Nationwide Variable Insurance
Trust - NVIT Allspring
Discovery Fund: Class II
 
 
 
X
 
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT American Funds
Bond Fund: Class II
 
 
 
 
 
 
X
 
 
Nationwide Variable Insurance
Trust - NVIT American Funds
Global Growth Fund: Class II
 
 
X
 
 
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT American Funds
Growth Fund: Class II
 
X
 
 
 
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT American Funds
Growth-Income Fund: Class II
 
X
 
 
 
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT BlackRock Equity
Dividend Fund: Class I
X
 
 
 
 
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT Government Bond
Fund: Class I
 
 
 
 
 
 
X
 
 
Nationwide Variable Insurance
Trust - NVIT Government
Money Market Fund: Class I
 
 
 
 
 
 
 
 
X
Nationwide Variable Insurance
Trust - NVIT International Index
Fund: Class II
 
 
 
 
 
X
 
 
 
Nationwide Variable Insurance
Trust - NVIT Invesco Small Cap
Growth Fund: Class II
 
 
 
 
X
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT J.P. Morgan Equity
and Options Total Return Fund:
Class II
X
 
 
 
 
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT Jacobs Levy Large
Cap Growth Fund: Class II
 
X
 
 
 
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT Loomis Core Bond
Fund: Class P
 
 
 
 
 
 
X
 
 
Nationwide Variable Insurance
Trust - NVIT Loomis Short
Term Bond Fund: Class II
 
 
 
 
 
 
 
X
 
27
Investment Option
Large
Value
Large
Growth
International
Growth
Mid-Cap
Small-Cap
International
Value
Bonds
Short-
Term
Bonds
Cash
Nationwide Variable Insurance
Trust - NVIT Mid Cap Index
Fund: Class I
 
 
 
X
 
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT Multi-Manager
Small Company Fund: Class I
 
 
 
 
X
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT Putnam
International Value Fund: Class
I
 
 
 
 
 
X
 
 
 
Nationwide Variable Insurance
Trust - NVIT S&P 500 Index
Fund: Class II
X
 
 
 
 
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT Small Cap Index
Fund: Class II
 
 
 
 
X
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT Small Cap Value
Fund: Class I
 
 
 
 
X
 
 
 
 
Nationwide Variable Insurance
Trust - NVIT Victory Mid Cap
Value Fund: Class I
 
 
 
X
 
 
 
 
 
PIMCO Variable Insurance
Trust - Real Return Portfolio:
Advisor Class
 
 
 
 
 
 
X
 
 
PIMCO Variable Insurance
Trust - Short-Term Portfolio:
Advisor Class
 
 
 
 
 
 
 
X
 
28
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/C000118174NW/index.php.
Reports and other information about the Variable 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: C000118174

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