Form 497VPI NATIONWIDE VLI SEPARATE

April 27, 2026 1:08 PM EDT
Supplement dated May 1, 2026
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
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Nationwide Innovator Corporate VULSM
Individual Flexible Premium Adjustable Variable Universal Life Insurance Policies
Issued by
Nationwide Life Insurance Company
through its
Nationwide VLI Separate Account-4
Summary Prospectus for New Investors
May 1, 2026
The policy described in this prospectus is not available in the state of New York.
This Summary Prospectus summarizes key features of the policy. 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 policy, which contains more information about the policy’s features, benefits, and risks. You can find this document and other information about the policy online at https://nationwide.onlineprospectus.net/NW/C000211469NW/index.php?ctype=product_prospectus. You can also obtain this information at no cost by calling 1-877-351-8808 or by sending an email request to [email protected].
Under state law a Policy Owner may, for a limited time, cancel the policy and receive a refund (commonly referred to as the "right to cancel" period). The length of the right to cancel period depends on state law and may vary depending on whether the policy was purchased to replace another policy. The minimum right to cancel period is 10 days. Upon cancellation, Nationwide will refund the amount prescribed by state law. The amount Nationwide refunds will be Cash Value and any charges deducted or, in certain states, the greater of the Premium paid or the policy's Cash Value plus any charges deducted. For more information, see Right to Cancel (Examination Right) in the statutory prospectus.
You should review the 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 life insurance policies, has been prepared by the SEC’s staff and is available at Investor.gov.
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Glossary 
Attained Age – A person's Issue Age plus the number of full years since the Policy Date.
Base Policy Specified Amount – The amount of insurance coverage selected under the base policy, excluding any
Rider Specified Amount.
Cash Surrender Value – The amount payable to the Policy Owner upon a full surrender of the policy. This amount is
equal to the Enhanced Cash Value, minus Indebtedness and outstanding policy charges.
Cash Value – The total amount allocated to the Sub-Accounts, the policy loan account, and the Fixed Account.
Code – The Internal Revenue Code of 1986, as amended.
Death Benefit – The amount paid upon the Insured's death, before the deduction of any Indebtedness, or due and
unpaid policy charges.
Enhanced Cash Value – The sum of the policy's Cash Value plus the Enhancement Benefit, if applicable.
Enhancement Benefit – An additional amount added to the policy's Cash Value upon a full surrender of the policy
during the applicable policy years, provided the qualifying conditions have been satisfied.
Fixed Account – An investment option that is funded by Nationwide's general account.
Grace Period – A 61-day period after which the Policy will Lapse if sufficient payments are not made to prevent Lapse.
In Force – Any time during which benefits are payable under the policy and any elected Rider(s).
Indebtedness – The total amount of all outstanding policy loans, including principal and interest due.
Insured – The person whose life is insured under the policy, and whose death triggers payment of the Death Benefit.
To be eligible to be Insured under the policy, the Insured must meet all Actively-At-Work Requirements on the Policy
Date, must have validly consented to be insured under the policy and meet any other underwriting requirements,
including evidence of insurability.
Investment Experience – The market performance of a mutual fund/Sub-Account.
Issue Age – A person's age based on their last birthday on or before the Policy Date.
Lapse – The policy terminates without value.
Maturity Date – The policy anniversary on which the Insured reaches Attained Age120.
Minimum Required Death Benefit – The lowest Death Benefit that will qualify the policy as life insurance under the
Code.
Nationwide – Nationwide Life Insurance Company.
Net Amount At Risk – The base policy's Death Benefit minus the policy's Cash Value.
Net Premium – The amount of Premium applied to the policy after the deduction of the Percent of Premium Charge.
Policy Date – The date the policy takes effect as shown in the Policy Data Pages. Policy years, months, and
anniversaries are measured from this date.
Policy Owner – The person or entity named as the owner on the application, or the person or entity assigned
ownership rights.
Policy Proceeds or Proceeds – The amount payable upon termination of the policy. Policy Proceeds may constitute
the Death Benefit, the Maturity Proceeds, or the Cash Surrender Value upon a full surrender of the policy.
Policy Data Page(s) – The Policy Data Page(s) are issued as part of the policy and contain information specific to the
policy and the Insured, including coverage and Rider elections. Updated Policy Data Page(s) will be issued if the
Policy Owner makes any changes to coverage elections after the policy is issued.
Premium – Amount(s) paid to purchase and maintain the policy.
Rider – An optional benefit purchased under the policy. Rider availability and Rider terms may vary depending on the
state in which the policy was issued.
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Rider Specified Amount – The portion of the Total Specified Amount attributable to the Additional Term Insurance
Rider.
SEC – Securities and Exchange Commission.
Service Center – The department of Nationwide responsible for receiving all service and transaction requests relating
to the policy. 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-Account(s) – The mechanism used to account for allocations of Net Premium and Cash Value among the
policy's variable investment options.
Substandard Rating – An underwriting classification based on medical and/or non-medical factors used to determine
what to charge for life insurance based on characteristics of the Insured beyond traditional factors for standard risks,
which include age, and tobacco habits of the Insured. Substandard Ratings are shown in the Policy Data Pages as
rate class multiples (medical factors) and/or monthly flat extras (medical and/or non-medical factors). The higher the
rate class multiple or monthly flat extra, the greater the risk assessed and the higher the cost of coverage.
Target Premium – The maximum amount of Premium the Policy Owner may pay to purchase Base Policy Specified
Amount under Section 7702A of the Code and still have the policy treated as a life insurance contract for federal tax
purposes. This is the maximum Premium that the Policy Owner may pay based on the "7-Pay method", which
determines the limits on Premium payments in each of the first seven policy years. The actual amount is based on
numerous factors which include the Issue Age of the Insured, Substandard Ratings (if any), and an adjustment for
any Premium exchanged into the policy under Section 1035 of the Code.
Total Specified Amount – The sum of the Base Policy Specified Amount and the Rider Specified Amount, if
applicable.
Valuation Period – The period during which Nationwide determines the change in the value of the Sub-Accounts.
One Valuation Period ends and another begins as of the close of regular trading on the New York Stock Exchange.
Variable Account – Nationwide VLI Separate Account-4, a separate account that Nationwide established to hold
Policy 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.
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Important Information You Should Consider About the Policy 
FEES AND EXPENSES
(see Additional Information About Fees later in this summary prospectus and Expenses in the statutory prospectus)
Charges for Early
Withdrawals
Surrender Charge – There are no surrender charges upon a full surrender of the policy.
 
Partial Surrender Fee – Deducted from the partial surrender amount requested (see
Partial Surrender Fee in the statutory prospectus). Currently, Nationwide waives the Partial
Surrender Fee. Nationwide may elect in the future to assess a Partial Surrender Fee. The
Partial Surrender Fee assessed to each surrender will not exceed $25.
Transaction Charges
The Policy Owner may also be charged for other transactions as follows:
● Percent of Premium Charge – Deducted from each Premium payment applied to a
policy.
● Illustration Charge – Upon requesting excessive illustrations (more than 10 requests in
any 12 month period).
● Rider Charges – One time rider charges for certain benefits, deducted upon invoking the
rider.
See Standard Policy Charges and Policy Riders and Rider Charges in the statutory
prospectus.
Ongoing Fees and
Expenses (periodic
charges)
In addition to surrender charges, interest on any outstanding policy loans, and transaction
charges, an investment in the policy is subject to certain ongoing fees and expenses,
including fees and expenses covering the cost of insurance under the policy and the cost
of optional benefits available under the policy, and such fees and expenses are set based
on characteristics of the Insured (e.g., age, sex, and rating classification), see Standard
Policy Charges and Policy Riders and Rider Charges in the statutory prospectus. Please
refer to the Policy Data Page(s) of your policy for rates applicable to the policy.
A Policy Owner will also bear expenses associated with the underlying mutual funds under
the policy, as shown in the following table:
Annual Fee
Minimum
Maximum
Investment options (underlying mutual fund fees
and expenses)
0.03%1
2.48%1
1 As a percentage of underlying mutual fund net assets.
 
RISKS
Risk of Loss
Policy Owners can lose money by investing in the policy, including loss of principal (see
Principal Risks in the statutory prospectus).
Not a Short-Term
Investment
The policy is not a short-term investment and is not appropriate for an investor who needs
ready access to cash (see Principal Risks in the statutory prospectus).
 
In addition, taking policy loans may increase the risk of Lapse and may result in adverse
tax consequences (see Policy Loans in the statutory prospectus).
Risks Associated with
Investment Options
● Investment in the policy is subject to the risk of poor investment performance of the
investment options and can vary depending on the performance of the investment
options available under the policy and selected by the Policy Owner.
● Each investment option, including the Fixed Account, will have 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.
Insurance Company Risks
Investment in the policy is subject to the risks associated with Nationwide and any
obligations (including general account 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 the Service Center (see Principal Risks
in the statutory prospectus).
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RISKS
Policy Lapse
The policy is at risk of Lapsing when the Cash Surrender Value is insufficient to cover the
monthly policy charges, including Rider charges. Cash Surrender Value can be reduced by
unfavorable Investment Experience, policy loans, partial surrenders and the deduction of
policy charges. Payment of insufficient Premium may cause the policy to Lapse. There is
no separate additional charge associated with reinstating a Lapsed policy; however,
payment of sufficient Premium and repayment or reinstatement of any Indebtedness will
be required (see Reinstatement in the statutory prospectus). The Death Benefit will not be
paid if the policy has Lapsed.
 
For more information, see Principal Risks and Lapse in the statutory prospectus.
RESTRICTIONS
Investments
● Nationwide may restrict the form in which Sub-Accounts transfer requests will be
accepted (see Sub-Accounts Transfers and Transfer Restrictions in the statutory
prospectus).
● Nationwide may limit the frequency and dollar amount of transfers involving the fixed
interest options (see Fixed Account Transfers in the statutory prospectus).
● Nationwide reserves the right to add, remove, and substitute investment options
available under the policy (see Addition, Deletion, or Substitution of Mutual Funds in the
statutory prospectus).
● Transfers between Sub-Accounts are subject to restrictions designed to deter short-term
and excessively frequent transfers (see U.S. Mail Restrictions and Other Restrictions in
the statutory prospectus).
● Not all investment options may be available under your policy (see Appendix A:
Underlying Mutual Funds Available Under the Policy in the statutory prospectus).
● The availability of investment options may vary depending on the broker-dealer through
which the policy is sold (see Appendix F: Financial Intermediary Variations in the
statutory prospectus).
Optional Benefits
● Certain optional benefits may be subject to availability, eligibility, and/or invocation
requirements. Availability of certain optional benefits may be subject to Nationwide’s
underwriting approval for the optional benefit.
● Nationwide reserves the right to discontinue offering any optional benefit. Such a
discontinuance will only apply to new policies and will not impact any policies already In
Force.
● The availability of policy benefits may vary depending on the broker-dealer through
which the policy is sold (see Appendix F: Financial Intermediary Variations in the
statutory prospectus).
For more information, see Policy Riders and Rider Charges in the statutory prospectus.
TAXES
Tax Implications
● Consult with a tax professional to determine the tax implications of an investment in and
payments received under this policy.
● Earnings on the policy are generally not taxable to the Policy Owner, unless withdrawn
from the policy. Partial and full surrenders from the policy will be subject to ordinary
income tax and may be subject to a tax penalty.
For more information, see Taxes in the statutory prospectus.
CONFLICTS OF INTEREST
Investment Professional
Compensation
Some financial professionals receive compensation for selling the policy. Compensation
can take the form of commissions and other indirect compensation in that Nationwide may
share the revenue it earns on this policy 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 policy over another investment (see A
Note on Charges in the statutory prospectus).
Exchanges
Some financial professionals may have a financial incentive to offer an investor a new
policy in place of the one he/she already owns. An investor should only exchange his/her
policy if he/she determines, after comparing the features, fees, and risks of both policies,
and any surrender charge to terminate the existing policy, that it is preferable for him/her to
purchase the new policy, rather than to continue to own the existing one (see Exchanging
the Policy for Another Life Insurance Policy in the statutory prospectus).
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Overview of the Policy
Purpose
The primary benefit of this policy is life insurance coverage. Nationwide will pay the Death Benefit Proceeds upon the Insured's death if the Insured dies while the policy is In Force. The policy is In Force when: the policy has been issued; the initial Premium has been paid; the Insured is living; the policy has not been surrendered for its Cash Surrender Value; and the policy has not Lapsed.
The Cash Value and Death Benefit, to the extent the Death Benefit includes or is based on the Cash Value, will not be fixed but will be dependent on the investment performance of the investment options in which the Policy Owner is invested, and cumulative Variable Account and policy charges assessed by Nationwide over the life of the policy.
Prospective purchasers should consult with a financial professional to determine whether this policy is appropriate for them, taking into consideration his/her particular needs, including investment objectives, risk tolerance, investment time horizon, marital status, tax situation, and other personal characteristics. Generally speaking, this policy is intended as a long-term investment, it is not a short-term investment and is not appropriate for an investor who needs ready access to cash, see Principal Risks in the statutory prospectus.
Premiums
The Policy Owner will select a Premium payment plan for the policy at the time of application. Within limits, the Policy Owner may vary the frequency and amount of Premium payments, see Premium Payments and Unfavorable Sub-Account Investment Experience in the statutory prospectus.
Net Premium, loan repayments, and Cash Value may be allocated among fixed and/or variable investment options available in the policy.
The policy currently offers a fixed investment option which will earn interest daily, see Fixed Account in the statutory prospectus.
The variable investment options offered under the policy correspond to mutual funds designed to be the underlying investment options of variable insurance products. Nationwide VLI Separate Account-4 contains a separate Sub-Account for each of the underlying mutual funds offered in the policy.
Additional information about the underlying mutual funds is available in Appendix: Underlying Mutual Funds Available Under the Policy.
Payment of insufficient Premium may cause the policy to Lapse.
Policy Features
Death Benefit Options
Note: The Death Benefit will be the greater of the amount produced by the death benefit option in effect on the date of the Insured's death or the Minimum Required Death Benefit, see The Minimum Required Death Benefit in the statutory prospectus.
Death Benefit Option 1: The Death Benefit will be the Total Specified Amount as of the Insured's date of death.
Death Benefit Option 2: The Death Benefit will be the Total Specified Amount plus the Cash Value as of the Insured's date of death.
For additional information, see Standard Death Benefit Options in the statutory prospectus.
Choice of Policy Proceeds
The Policy Proceeds will be paid in a lump sum.
Coverage Flexibility
Subject to conditions, the Policy Owner may choose to:
•
change the death benefit option;
•
increase or decrease the Base Policy Specified Amount and/or Rider Specified Amount;
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•
change beneficiaries; and
•
change ownership of the policy.
Access to Cash Value
Subject to conditions, the Policy Owner may:
•
take a policy loan, see Policy Loans in the statutory prospectus.
•
take a partial surrender, see Partial Surrender in the statutory prospectus.
•
surrender the policy for its Cash Surrender Value at any time while the policy is In Force, see Full Surrender in the statutory prospectus.
Transfer Requests
Policy Owners may request to transfer allocations between available investment options of the policy (i.e., the Fixed Account and Sub-Accounts). Requests to transfer allocations between policy investment options will be processed in the Valuation Period they are received at the Service Center as long as the request is in good order. Requests that are not in good order may be delayed or returned, see Contacting the Service Center in the statutory prospectus.
Restrictions or limitations on transfers from the general account option(s) may delay a Policy Owner’s ability to transfer Cash Value to the Sub-Accounts. Additionally, transfer requests from a Sub-Account may be subject to short-term trading fees and policies and procedures intended to reduce the potentially detrimental impact that disruptive trading has on Investment Experience. For additional information, see Transfers Among and Between the Policy Investment Options in the statutory prospectus.
Taxes
Earnings on the policy are generally not taxable to the Policy Owner, unless withdrawn from the policy. This is known as tax deferral. In addition, beneficiaries generally will not have to include Death Benefit Proceeds as taxable income, see Taxes in the statutory prospectus.
Assignment
Policy Owners may assign the policy as collateral for a loan or another obligation while the policy is In Force, see Assigning the Policy in the statutory prospectus.
Right to Cancel (Examination Right)
For a limited time, the Policy Owner may cancel the policy and Nationwide will refund the amount prescribed by state law, see Right to Cancel (Examination Right) in the statutory prospectus.
Riders
The Policy Owner may purchase one or more of the Riders listed below, subject to availability in the state where the policy is issued. There may be additional charges assessed for elected Riders and Rider charges may vary based upon the individual characteristics of the Insured. Operation and benefits of the Riders described in this prospectus may vary by the state where the policy is issued.
•
Overloan Lapse Protection Rider
•
Additional Term Insurance Rider
For additional information, see Policy Riders and Rider Charges in the statutory prospectus.
Standard Death Benefit
Standard Death Benefit Options
Policy Owners have a choice of one of two available death benefit options under the policy. If a death benefit option is not selected, Nationwide will issue the policy with Death Benefit Option 1. Not all death benefit options are available in all states.
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Death Benefit Option 1
The Death Benefit is the greater of the Total Specified Amount or the Minimum Required Death Benefit on the Insured's date of death. Death Benefit Option 1 provides a stated amount of Death Benefit coverage that generally remains static throughout the life of the policy. Typically, Death Benefit Option 1 is elected by Policy Owners who are interested in maintaining a pre-determined amount of life insurance coverage.
Death Benefit Option 2
The Death Benefit is the greater of the Total Specified Amount plus the Enhanced Cash Value as of the Insured's date of death, or the Minimum Required Death Benefit on the Insured's date of death. Death Benefit Option 2 provides a stated amount of Death Benefit coverage in addition to the policy's Cash Value. Typically, Death Benefit Option 2 is elected by Policy Owners who are interested in accumulation of Cash Value in addition to a pre-determined amount of life insurance coverage.
Calculation of the Death Benefit
The Death Benefit will be calculated when Nationwide has received (at the Service Center) all information required to process the claim for Death Benefit Proceeds, including, but not limited to, proof that the Insured has died and any other information Nationwide may reasonably require. The Death Benefit may be subject to an adjustment if an error or misstatement was made upon application, or if the Insured dies by suicide.
While the policy is In Force, the Death Benefit will never be less than the Base Policy Specified Amount. The Death Benefit will depend on the death benefit option elected, certain Riders, and the tax test elected as discussed in greater detail below. The Death Benefit may vary with the Cash Value of the policy, which is affected by Investment Experience, Indebtedness, and any due and unpaid monthly deductions that accrued during a Grace Period.
The Minimum Required Death Benefit
The policy has a Minimum Required Death Benefit. The Minimum Required Death Benefit is the lowest Death Benefit that will qualify the policy as life insurance under Section 7702 of the Code.
The tax tests for life insurance generally require that the policy have a significant element of life insurance and not be primarily an investment vehicle. At the time the policy is issued, the Policy Owner irrevocably elects one of the following tests to qualify the policy as life insurance under Section 7702 of the Code:
•
the cash value accumulation test; or
•
the guideline premium/cash value corridor test.
If a specific test is not elected, Nationwide will issue the policy with the cash value accumulation test.
Cash Value Accumulation Test
The cash value accumulation test determines the Minimum Required Death Benefit by multiplying the Cash Value by a percentage calculated as described in the Code. The percentages depend upon the Insured's age, and underwriting classification. Under the cash value accumulation test, there is no limit to the amount that may be paid in Premiums as long as there is sufficient Death Benefit in relation to the Cash Value at all times.
Guideline Premium/Cash Value Corridor Test
The guideline premium/cash value corridor test determines the Minimum Required Death Benefit by comparing the Death Benefit to an applicable percentage of the Enhanced Cash Value. These percentages are set out in the Code, but the percentage varies only by the Attained Age of the Insured.
In deciding which test to elect for the policy, consider the following:
•
The cash value accumulation test generally allows flexibility to pay more Premium, subject to Nationwide's approval of any increase in the policy's Net Amount At Risk that would result from higher Premium payments. Premium payments under the guideline premium/cash value corridor test are limited by Section 7702 of the Code.
•
Generally, the guideline premium/cash value corridor test produces a higher Death Benefit in the early years of the policy while the cash value accumulation test produces a higher Death Benefit in the policy's later years.
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•
Monthly cost of insurance charges that vary with the amount of the Death Benefit may be greater during the years when the elected test produces a higher Death Benefit.
Regardless of which test is elected, Nationwide will monitor compliance to ensure that the policy meets the statutory definition of life insurance under the Code. As a result, the Death Benefit Proceeds payable under a policy should be excludable from gross income of the beneficiary for federal income tax purposes. Nationwide may refuse additional Premium payments or return Premium payments so that the policy continues to meet the Code's definition of life insurance. Consult a qualified tax advisor on all tax matters involving the policy.
Other Benefits Available Under the Policy
In addition to the standard death benefit options available under the policy, other standard or optional benefits may also be available to you. The following table summarizes information about these other benefits. For additional information on the policy’s Riders, see Policy Riders and Rider Charges in the statutory prospectus. Additional information on the fees associated with each benefit is in Additional Information About Fees later in this summary prospectus. The availability of policy benefits may vary depending on the broker-dealer through which the policy is sold (see Appendix F: Financial Intermediary Variations in the statutory prospectus). 
Name of Benefit
Purpose
Is Benefit
Standard or
Optional
Brief Description of Restrictions/Limitations
Overloan Lapse
Protection Rider
Prevent the policy from
Lapsing due to
Indebtedness
Optional
● Subject to eligibility requirements to invoke the
Rider
● Election to invoke is irrevocable
● Once invoked, all other Riders terminate (except the
Additional Term Insurance Rider, if applicable)
● Cash Value will be transferred to the Fixed Account
and may not be transferred out
● No further loans or partial surrenders may be taken
from the policy
Additional Term
Insurance Rider
Provides term life
insurance on the
Insured, in addition to
that under the base
policy
Optional
● Available for post-issue election until the Insured
reaches Attained Age100
● If purchase after the Policy Date, evidence of
insurability is required
Buying the Policy
Initial Premium Payment
The initial Premium payment is due on the Policy Date. Any due and unpaid policy charges will be subtracted from the initial Premium payment. Insurance coverage will not be effective until the initial Premium is paid, even if the Policy Date precedes the date the initial Premium is paid. The required initial Premium payment amount is stated in the Policy Data Pages and will depend on the following factors: the initial Base Policy Specified Amount, death benefit option elected, any Riders elected, and Insured's age, health, and activities. Initial Premium may be paid to the Service Center or to an authorized Nationwide representative. The initial Premium payment will not be applied to the policy until the underwriting process is complete.
Premium Payments
This policy does not require a payment of a scheduled Premium amount to keep it In Force. It will remain In Force as long as the conditions that cause a policy to Lapse do not exist, see Lapse and Unfavorable Sub-Account Investment Experience in the statutory prospectus. Premium payment reminder notices will be sent according to the Premium payment schedule selected by the Policy Owner. Additional Premium payments must be submitted to the Service Center. Each Premium payment must be at least $25. Upon request, Nationwide will furnish Premium payment receipts. Policy Owners may make additional Premium payments at any time while the policy is In Force and prior to the Maturity Date, subject to the following:
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•
Nationwide may require satisfactory evidence of insurability before accepting any additional Premium payment that results in an increase in the policy's Net Amount At Risk.
•
Nationwide will refund Premium payments that exceed the applicable Premium limit established by the Code to qualify the policy as a contract for life insurance.
•
Nationwide will monitor Premiums paid and will notify Policy Owners when the policy is in jeopardy of becoming a modified endowment contract, see Taxes in the statutory prospectus.
•
Nationwide may require that policy Indebtedness be repaid before accepting any additional Premium payments.
Subsequent Premium payments will be allocated according to the allocation instructions in effect at the time the Premium is received.
How Your Policy Can Lapse
The policy is at risk of Lapsing when the Cash Surrender Value is insufficient to cover the policy’s monthly deductions, see Unfavorable Sub-Account Investment Experience in the statutory prospectus. Before any policy Lapse, there is a Grace Period during which the Policy Owner can take action to prevent the Lapse. Subject to certain conditions, the Policy Owner may reinstate a policy that has Lapsed.
Grace Period
If the Cash Surrender Value on any monthly anniversary date is not sufficient to cover the current monthly deductions, then a Grace Period will begin. At the beginning of a Grace Period, the Policy Owner will receive a notice from Nationwide that will indicate the amount of Premium that must be paid to avoid lapsing the Policy. This amount is equal to three times the current monthly deductions plus all other policy charges due during the Grace Period.
If not paid within 61 days, the policy and all Riders will Lapse.
The Grace Period will not alter the operation of the policy or the payment of Proceeds.
Reinstatement
The Policy Owner may reinstate a Lapsed policy by:
•
submitting a written request to reinstate the policy to the Service Center any time within three years after the end of the Grace Period (or longer if required by state law) and before the Maturity Date;
•
providing satisfactory evidence of insurability that Nationwide may require;
•
paying sufficient Premium to keep the policy In Force for three months (or less if required by state law) from the date of reinstatement;
•
paying sufficient Premium to cover all policy charges that were due and unpaid during the Grace Period; and
•
repaying or reinstating any Indebtedness that existed at the end of the Grace Period.
The Policy Owner may also reinstate coverage under certain Riders subject to satisfactory evidence of insurability and any reinstatement requirements contained in the Riders.
If Nationwide approves the application for reinstatement and receives the required Premium, the effective date of a reinstated policy, including any reinstated Riders, will be the coinciding or next monthly anniversary of the Policy Date following the date Nationwide approves the application for reinstatement.
If the policy is reinstated, the Cash Value on the date of reinstatement will be set equal to the Cash Value at the end of the most recent Grace Period. Nationwide will add any Premiums or loan repayments that were made to reinstate the policy to the Cash Value.
The Sub-Account allocations that were in effect at the start of the Grace Period will be reinstated, unless the Policy Owner indicates otherwise.
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Making Withdrawals: Accessing the Money in Your Policy
Full Surrender
The policy may be surrendered for the Cash Surrender Value at any time while it is In Force. A surrender will be effective as of the date Nationwide receives the Policy Owner’s written surrender request in good order at the Service Center. Nationwide reserves the right to require written requests to be submitted on current Nationwide forms. No Enhancement Benefit will be paid if the policy is surrendered pursuant to Section 1035 of the Code or paid to anyone other than the Policy Owner. See Payment of Policy Proceeds in the statutory prospectus for additional information.
Partial Surrender
The Policy Owner may request a partial surrender of the policy's Cash Surrender Value at any time after the policy has been In Force for one year. Nationwide may require that the policy be sent to the Service Center for endorsement. A Partial Surrender Fee may be assessed to each partial surrender; however, Nationwide currently waives the Partial Surrender Fee, see Fee Table and Partial Surrender Fee in the statutory prospectus.
A partial surrender cannot result in the Total Specified Amount being reduced below the minimum Total Specified Amount indicated on the Policy Data Pages or disqualifying the policy as life insurance under Section 7702 of the Code. Partial surrenders may be subject to income tax penalties. They could also cause the policy to become a "modified endowment contract" under the Code, which could change the income tax treatment of any distribution from the policy.
Reduction of the Total Policy Specified Amount due to a Partial Surrender
When a partial surrender is taken, the Total Policy Specified Amount will be reduced by the amount necessary to prevent an increase in the Net Amount At Risk (unless the partial surrender is a preferred partial surrender). Reduction of the Total Specified Amount is proportional between the Base Policy Specified Amount and the Rider Specified Amount. The Total Policy Specified Amount reduction will not exceed the partial surrender amount. The policy's charges going forward will be based on the new Total Specified Amount.
Any reduction of the Total Specified Amount will be made in the following order: against the most recent increase in the Total Specified Amount, then against the next most recent increases in the Total Specified Amount in succession, and finally, against the initial Total Specified Amount.
13
Additional Information About Fees
The following tables describe the fees and expenses that a Policy Owner will pay when buying, owning, and surrendering or taking partial surrenders from the policy. Please refer to the Policy Data Pages of your policy for information about the specific fees you will pay based on the options you have elected.
The first table describes the fees and expenses that a Policy Owner will pay at the time the Policy Owner pays Premium into the policy, takes partial surrenders from the policy, or transfers Cash Value between investment options. 
Transaction Fees
Charge
When Charge is
Deducted
Amount Deducted
Percent of Premium Charge1
Upon making a Premium
payment
Maximum:
Policy Year 1
 
12% of Premium
received
up to Target Premium for
all policies;
12% of Premium
received that exceeds
Target Premium for all
policies
Currently:
Policy Year 1
 
10% of Premium received
up to Target Premium for
all policies;
2% of Premium if the
policy
is a modified
endowment contract2; and
0% of Premium received
that exceeds
Target Premium if the
policy is not a
modified endowment
contract
Illustration Charge3
If illustration requests
exceed 10 in any 12 month
period
Maximum:
$25
Currently:
$25
Partial Surrender Fee
Upon a partial surrender
Maximum:
$25
Currently:
$0
Overloan Lapse Protection Rider
Charge†
Upon invoking the Rider
Maximum:
For policies issued with
the guideline premium/
cash value corridor test:
$42.50 per $1,000 of
Cash Value
For policies issued with
the cash value
accumulation test:
$157 per $1,000 of Cash
Value
Minimum:
$1.50 per $1,000 of Cash
Value
Representative: an Attained Age85
Insured with a Cash Value of $500,000
Upon invoking the Rider
$32 per $1,000 of Cash Value
†
This charge will vary based upon the individual characteristics of the Insured. Representative charges shown in the table may not be representative of the charge that a particular Policy Owner will pay. Policy Owners can request an illustration of specific costs and/or see the Policy Data Pages for information about specific charges of the policy.
1
The Percent of Premium Charge is assessed each time a Premium payment is received. The Percent of Premium Charge will depend on whether the Target Premium for the year in which the Premium is received has been reached. For the applicable charge for all policy years after the first policy year, see Percent of Premium Charge in the statutory prospectus.
2
For policies that are modified endowment contracts the charge is 2%. For policies that are not modified endowment contracts, the charge is 0%.
3
The Policy Owner will be expected to pay the Illustration Charge at the time of the request. This charge will not be deducted from the policy's Cash Value.
14
The next table describes the fees and expenses that a Policy Owner will pay periodically while the policy is In Force, not including underlying mutual fund operating expenses. 
Periodic Charges Other than Annual Underlying Mutual Fund Expenses
Base Contract Charges
Charge
When Charge is
Deducted
Amount Deducted
Cost of Insurance Charge†
Monthly
Maximum:
$83.33 per $1,000 of Net
Amount At Risk
Minimum:
$0.03 per $1,000 of Net
Amount At Risk
Representative: an individual
Insured, unisex, Issue Age42,
non-tobacco, Total Specified Amount
$250,000, Death
Benefit Option 1, policy year
10 and issued on a
guaranteed issue basis
Monthly
Currently: $0.37 per $1,000 of Net Amount At Risk
Flat Extra Charge1
Monthly
Maximum:
$2.08 per $1,000 of Net Amount At Risk for each Flat
Extra assessed
Base Policy Specified Amount Charge†
Monthly
Maximum:
$0.40 per $1,000 of
Base Policy Specified
Amount
Minimum:
$0.00 per $1,000 of Base
Policy Specified
Amount
Representative: an individual
Insured, unisex, Issue Age42,
non-tobacco, Total Specified Amount
$250,000, Death
Benefit Option 1, policy year
one and issued on a
guaranteed issue basis
Monthly
Currently: $0.00 per $1,000 of Base Policy Specified
Amount
Variable Account Asset Charge2
Monthly
Maximum:
0.90% of Cash Value
allocated to the Sub-
Accounts
Currently:
0.65% of Cash Value
allocated to the Sub-
Accounts
Administrative Per Policy Charge
Monthly
Maximum:
$10.00 per policy
Currently:
$0.00 per policy
Policy Loan Interest Charge3
Annually
and at the time of certain
events and transactions
Maximum:
2.50% of Indebtedness
Currently:
2.00% of Indebtedness
Optional Benefit Charges
Charge
When Charge is
Deducted
Amount Deducted
Additional Term Insurance Rider Cost
of Insurance Charge†
 
The Rider is available for election until the
Insured reaches Attained Age100.
Monthly
Maximum:
$83.33 per $1,000 of
Rider Death Benefit
Minimum:
$0.01 per $1,000 of
Rider Death Benefit
15
Optional Benefit Charges
Representative: an individual
Insured, unisex, Issue Age42,
non-tobacco, Total Specified Amount
$250,000, Death
Benefit Option 1, policy year
10 and issued on a
guaranteed issue basis
Monthly
$0.16 per $1,000 of Rider Death Benefit
Additional Term Insurance Rider
Specified Amount Charge†
Monthly
Maximum:
$0.40 per $1,000 of
Rider Specified Amount
Minimum:
$0.00 per $1,000 of
Rider Specified Amount
Representative: an individual
Insured, unisex, Issue Age42,
non-tobacco, Total Specified Amount
$250,000, Death
Benefit Option 1, policy year
one and issued on a
guaranteed issue basis
Monthly
$0.00 per $1,000 of Rider Specified Amount
†
This charge will vary based upon the individual characteristics of the Insured. Representative charges shown in the table may not be representative of the charge that a particular Policy Owner will pay. Policy Owners can request an illustration of specific costs and/or see the Policy Data Pages for information about specific charges of the policy.
1
The Flat Extra Charge is only applicable if certain factors result in an Insured having a Substandard Rating, see Cost of Insurance in the statutory prospectus. An Insured with more than one Substandard Rating may be assessed more than one Flat Extra Charge.
2
The Variable Account Asset Charge may be reduced by an amount substantially equal to payments Nationwide expects to receive from certain underlying mutual funds based on the policy’s non-loaned Cash Value allocated to certain Sub-Accounts, see Variable Account Asset Charge in the statutory prospectus.
3
The maximum and current Policy Loan Interest Charge rates are stated as gross rates of interest charged. The effective annual interest rate Nationwide may charge against Indebtedness will never exceed 2.50%. Currently, the effective annual interest rate charged on Indebtedness is 2.00% for the first ten policy years and 1.00% thereafter. The Policy Loan Interest Charge is described in more detail in Policy Loans in the statutory prospectus.
The next table shows the minimum and maximum total operating expenses charged by the underlying mutual funds that a Policy Owner may periodically pay while the policy is In Force. 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 policy, including their annual expenses, may be found at the back of this document in Appendix: Underlying Mutual Funds Available Under the Policy. 
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.)
0.03%
2.48%
16
Appendix: Underlying Mutual Funds Available Under the Policy
The following is a list of underlying mutual funds available under the policy. 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/C000211469NW/index.php. This information can also be obtained at no cost by calling 1-877-351-8808 or by sending an email request to [email protected]. The availability of investment options may vary depending on the broker-dealer through which the policy is sold (see Appendix F: 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 policy 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%
Equity
AllianceBernstein Variable Products Series Fund, Inc. - AB
VPS Relative Value Portfolio: Class A
Investment Advisor: AllianceBernstein L.P.
0.59%*
10.47%
11.42%
10.57%
Equity
Allspring Variable Trust - VT Small Cap Growth Fund:
Class 2
Investment Advisor: Allspring Funds Management, LLC
Sub-Advisor: Allspring Global Investments, LLC
1.16%
9.25%
-0.96%
9.94%
Allocation
American Funds Insurance Series® - Asset Allocation
Fund: Class 2
Investment Advisor: Capital Research and Management
Company
0.54%
15.85%
8.97%
9.77%
Fixed Income
American Funds Insurance Series® - Capital World Bond
Fund: Class 2
Investment Advisor: Capital Research and Management
Company
0.73%
9.39%
-2.50%
1.23%
Equity
American Funds Insurance Series® - Global Small
Capitalization Fund: Class 2
Investment Advisor: Capital Research and Management
Company
0.90%*
14.64%
0.49%
7.23%
Equity
American Funds Insurance Series® - Growth Fund: Class
2
Investment Advisor: Capital Research and Management
Company
0.59%
20.23%
13.37%
17.97%
Equity
American Funds Insurance Series® - Growth-Income
Fund: Class 2
Investment Advisor: Capital Research and Management
Company
0.53%
18.06%
13.90%
13.92%
Equity
American Funds Insurance Series® - International Fund:
Class 2
Investment Advisor: Capital Research and Management
Company
0.78%
26.76%
3.40%
7.00%
Equity
American Funds Insurance Series® - New World Fund®:
Class 2
Investment Advisor: Capital Research and Management
Company
0.82%*
28.30%
5.32%
9.25%
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%
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
Equity
American Funds Insurance Series® - Washington Mutual
Investors Fund: Class 2
Investment Advisor: Capital Research and Management
Company
0.50%*
17.21%
13.89%
12.36%
Fixed Income
BlackRock Variable Series Funds II, Inc. - BlackRock High
Yield V.I. Fund: Class I
Investment Advisor: BlackRock Advisors, LLC
Sub-Advisor: BlackRock International Limited
0.54%*
8.60%
4.68%
6.25%
Allocation
BlackRock Variable Series Funds, Inc. - BlackRock Global
Allocation V.I. Fund: Class II
Investment Advisor: BlackRock Advisors, LLC
Sub-Advisor: BlackRock International Limited and BlackRock
(Singapore) Limited
0.91%*
19.53%
5.62%
7.42%
Equity
BNY Mellon Investment Portfolios - Small Cap Stock Index
Portfolio: Service Shares
Investment Advisor: BNY Mellon Investment Adviser, Inc.
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%
17.53%
14.12%
14.52%
Equity
BNY Mellon Variable Investment Fund - Appreciation
Portfolio: Initial Shares
Investment Advisor: BNY Mellon Investment Adviser, Inc.
Sub-Advisor: Fayez Sarofim & Co., LLC
0.85%
10.07%
9.37%
12.92%
Capital Preservation
BNY Mellon Variable Investment Fund - Government
Money Market Portfolio
Investment Advisor: BNY Mellon Investment Adviser, Inc.
Sub-Advisor: Dreyfus, a division of Mellon Investments
Corporation
0.35%*
3.93%
2.89%
1.79%
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%
Allocation
DFA Investment Dimensions Group Inc. - Dimensional VA
Global Moderate Allocation Portfolio: Institutional Class
Investment Advisor: Dimensional Fund Advisors LP
0.28%*
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%
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%
45.64%
15.85%
10.46%
Equity
DFA Investment Dimensions Group Inc. - Dimensional VA
U.S. Large Value Portfolio
Investment Advisor: Dimensional Fund Advisors LP
0.21%
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%
8.95%
13.60%
11.00%
Fixed Income
DFA Investment Dimensions Group Inc. - Dimensional VIT
Inflation-Protected Securities Portfolio: Institutional Class
Investment Advisor: Dimensional Fund Advisors LP
0.11%
7.55%
1.05%
3.12%
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
Equity
Fidelity Variable Insurance Products - Emerging Markets
Portfolio: Service Class
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
0.87%
41.04%
5.77%
10.82%
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2015 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.51%
11.78%
3.90%
6.50%
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2020 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.54%
13.18%
4.73%
7.27%
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2025 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.56%
14.47%
5.41%
7.92%
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2030 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.59%
15.33%
6.13%
8.77%
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2035 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.63%
16.58%
7.44%
9.89%
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2040 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.67%
18.66%
8.89%
10.76%
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2045 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.70%
19.73%
9.33%
10.98%
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2050 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.70%
19.68%
9.33%
10.98%
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2055 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.70%
19.71%
9.33%
 
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2060 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.70%
19.75%
9.33%
 
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2065 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.70%
19.71%
9.33%
 
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2070 Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
0.70%
19.82%
 
 
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
Allocation
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Retirement Fund Portfolio: Service Class
(formerly, Fidelity Variable Insurance Products Fund -
Fidelity VIP Freedom Income Fund Portfolio: Service
Class)
Investment Advisor: Fidelity Management & Research
Company LLC
0.46%
9.56%
2.25%
4.34%
Fixed Income
Fidelity Variable Insurance Products Fund - VIP Bond
Index Portfolio: Service 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
0.24%
7.01%
-0.67%
 
Equity
Fidelity Variable Insurance Products Fund - VIP
Contrafund® Portfolio: Service 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
0.64%
21.38%
15.25%
15.66%
Equity
Fidelity Variable Insurance Products Fund - VIP Equity-
Income Portfolio: Service 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
0.56%
18.92%
12.41%
11.49%
Equity
Fidelity Variable Insurance Products Fund - VIP Extended
Market Index Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
Sub-Advisor: Geode Capital Management, LLC
0.22%
12.18%
7.91%
 
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
Portfolio: Service 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
0.65%
14.78%
13.58%
17.33%
Equity
Fidelity Variable Insurance Products Fund - VIP Index 500
Portfolio: Initial Class
Investment Advisor: Fidelity Management & Research
Company LLC
Sub-Advisor: Geode Capital Management, LLC
1.71%
17.78%
14.31%
14.70%
Equity
Fidelity Variable Insurance Products Fund - VIP
International Index Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
Sub-Advisor: Geode Capital Management, LLC
0.26%
33.06%
7.92%
 
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
Fidelity Variable Insurance Products Fund - VIP
Investment Grade Bond Portfolio: Service 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
0.47%
7.14%
-0.06%
2.61%
Equity
Fidelity Variable Insurance Products Fund - VIP Total
Market Index Portfolio: Service Class
Investment Advisor: Fidelity Management & Research
Company LLC
Sub-Advisor: Geode Capital Management, LLC
0.21%
17.02%
13.03%
 
Equity
Fidelity Variable Insurance Products Fund - VIP Value
Strategies Portfolio: Service 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
0.69%
7.91%
12.02%
10.71%
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: Institutional
Shares
Investment Advisor: Goldman Sachs Asset Management, L.P.
0.82%*
16.14%
10.48%
10.85%
Equity
Invesco - Invesco V.I. Comstock Fund: Series I Shares
Investment Advisor: Invesco Advisers, Inc.
0.75%
17.44%
15.43%
11.95%
Equity
Invesco - Invesco V.I. Discovery Mid Cap Growth Fund:
Series I
Investment Advisor: Invesco Advisers, Inc.
0.86%
4.79%
3.90%
11.38%
Equity
Invesco - Invesco V.I. Global Fund: Series I
Investment Advisor: Invesco Advisers, Inc.
0.81%
15.32%
7.28%
11.00%
Equity
Invesco - Invesco V.I. Main Street Small Cap Fund: Series I
Investment Advisor: Invesco Advisers, Inc.
0.84%
8.70%
8.34%
10.59%
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%
33.36%
13.71%
17.20%
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%
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
Legg Mason Partners Variable Equity Trust - ClearBridge
Variable Small Cap Growth Portfolio: Class I
Investment Advisor: Franklin Templeton Fund Adviser, LLC
Sub-Advisor: ClearBridge Investments, LLC
0.81%
9.23%
-0.17%
9.38%
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
Fixed Income
Lincoln Variable Insurance Products Trust - LVIP
American Century Inflation Protection Fund: Standard
Class II
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: American Century Investment Management, Inc.
0.47%*
6.60%
0.87%
2.87%
Equity
Lincoln Variable Insurance Products Trust - LVIP
American Century Value Fund: Standard Class II
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: American Century Investment Management, Inc.
0.71%*
16.02%
11.65%
10.23%
Equity
Lincoln Variable Insurance Products Trust - LVIP
JPMorgan Mid Cap Value Fund: Standard Class
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: J.P. Morgan Investment Management Inc.
0.74%
4.72%
9.63%
8.77%
Equity
Lincoln Variable Insurance Products Trust - LVIP
JPMorgan Small Cap Core Fund: Standard Class
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: J.P. Morgan Investment Management Inc.
0.77%
10.27%
6.40%
8.95%
Fixed Income
Lord Abbett Series Fund, Inc. - Bond Debenture Portfolio:
Class VC
Investment Advisor: Lord, Abbett & Co. LLC
0.98%
8.32%
2.09%
4.72%
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 Growth Series:
Service Class
Investment Advisor: Massachusetts Financial Services
Company
0.98%*
11.90%
10.82%
15.31%
Equity
MFS® Variable Insurance Trust - MFS Mid Cap Growth
Series: Service Class
Investment Advisor: Massachusetts Financial Services
Company
1.06%*
3.40%
3.03%
11.32%
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%
Fixed Income
MFS® Variable Insurance Trust - MFS Total Return Bond
Series: Service Class
Investment Advisor: Massachusetts Financial Services
Company
0.78%*
6.94%
-0.09%
2.38%
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 Emerging Markets
Equity Portfolio: Initial Class
Investment Advisor: Massachusetts Financial Services
Company
1.23%*
33.65%
4.37%
7.92%
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%
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
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
MFS® Variable Insurance Trust III - MFS Global Real
Estate Portfolio: Initial Class
Investment Advisor: Massachusetts Financial Services
Company
0.90%*
3.53%
1.32%
5.01%
Fixed Income
MFS® Variable Insurance Trust III - MFS Limited Maturity
Portfolio: Initial Class
Investment Advisor: Massachusetts Financial Services
Company
0.48%*
5.83%
2.56%
2.70%
Equity
MFS® Variable Insurance Trust III - MFS Mid Cap Value
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services
Company
1.04%*
5.75%
9.90%
9.69%
Fixed Income
Morgan Stanley Variable Insurance Fund, Inc. - Emerging
Markets Debt Portfolio: Class I
Investment Advisor: Morgan Stanley Investment Management
Inc.
Sub-Advisor: Morgan Stanley Investment Management Limited
1.10%*
15.33%
2.70%
4.51%
Equity
Nationwide Variable Insurance Trust - NVIT Allspring
Discovery Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Allspring Global Investments, LLC
0.83%*
5.91%
-2.09%
9.67%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Aggressive Fund: Class I
Investment Advisor: Nationwide Fund Advisors
0.90%*
18.54%
10.79%
10.49%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Balanced Fund: Class I
Investment Advisor: Nationwide Fund Advisors
0.78%*
12.59%
6.03%
6.70%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Capital Appreciation Fund: Class I
Investment Advisor: Nationwide Fund Advisors
0.81%*
15.05%
8.23%
8.60%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Conservative Fund: Class I
Investment Advisor: Nationwide Fund Advisors
0.74%*
8.76%
2.76%
4.04%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Moderate Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
0.80%*
13.60%
7.22%
7.72%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Moderately Aggressive Fund: Class I
Investment Advisor: Nationwide Fund Advisors
0.86%*
16.51%
9.45%
9.54%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Moderately Conservative Fund: Class I
Investment Advisor: Nationwide Fund Advisors
0.78%*
11.32%
4.98%
5.87%
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%*
18.81%
14.80%
11.79%
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%
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
Capital Preservation
Nationwide Variable Insurance Trust - NVIT Government
Money Market Fund: Class V
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Federated Investment Management Company
0.42%
3.96%
2.99%
1.89%
Equity
Nationwide Variable Insurance Trust - NVIT GQG US
Quality Equity Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: GQG Partners LLC
0.78%*
2.14%
5.52%
8.68%
Equity
Nationwide Variable Insurance Trust - NVIT International
Equity Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Lazard Asset Management LLC
0.88%*
39.29%
12.79%
9.94%
Equity
Nationwide Variable Insurance Trust - NVIT International
Index Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.47%
30.64%
8.51%
7.91%
Equity
Nationwide Variable Insurance Trust - NVIT Invesco Small
Cap Growth Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Invesco Advisers, Inc.
1.07%
16.36%
4.94%
11.73%
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 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%
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 J.P. Morgan
Large Cap Growth Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: J.P. Morgan Investment Management Inc.
0.69%*
14.23%
 
 
Equity
Nationwide Variable Insurance Trust - NVIT J.P. Morgan
U.S. Equity Fund: Class Y
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: J.P. Morgan Investment Management Inc.
0.44%
14.69%
13.59%
 
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%*
14.20%
19.09%
18.02%
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%
5.70%
2.13%
2.38%
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%
24
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 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 I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.47%*
 
 
 
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%*
35.21%
11.20%
7.72%
Equity
Nationwide Variable Insurance Trust - NVIT Real Estate
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Wellington Management Company LLP
0.92%*
0.58%
5.69%
6.00%
Equity
Nationwide Variable Insurance Trust - NVIT S&P 500 Index
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.24%*
17.60%
14.15%
14.55%
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%
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%*
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%
Fixed Income
New York Life Investments VP Funds Trust - NYLIM VP
Floating Rate Portfolio: Initial Class (formerly, New York
Life Investments VP Funds Trust - NYLI VP Floating Rate
Portfolio: Initial Class)
Investment Advisor: New York Life Investment Management
LLC
Sub-Advisor: New York Investors LLC
0.64%
5.13%
5.43%
5.01%
Allocation
PIMCO Variable Insurance Trust - All Asset Portfolio:
Administrative Class
Investment Advisor: PIMCO
Sub-Advisor: Research Affiliates, LLC
2.13%*
14.20%
5.60%
6.77%
Fixed Income
PIMCO Variable Insurance Trust - Global Bond
Opportunities Portfolio (Unhedged): Administrative Class
Investment Advisor: PIMCO
1.15%
12.75%
0.15%
2.46%
Fixed Income
PIMCO Variable Insurance Trust - High Yield Portfolio:
Administrative Class
Investment Advisor: PIMCO
0.81%
8.95%
3.97%
5.57%
Fixed Income
PIMCO Variable Insurance Trust - Income Portfolio:
Institutional Class
Investment Advisor: PIMCO
0.77%
10.36%
3.57%
 
25
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 - International Bond
Portfolio (U.S. Dollar-Hedged): Administrative Class
Investment Advisor: PIMCO
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%
6.29%
-6.79%
0.02%
Fixed Income
PIMCO Variable Insurance Trust - Low Duration Portfolio:
Administrative Class
Investment Advisor: PIMCO
0.66%
5.52%
1.57%
1.79%
Fixed Income
PIMCO Variable Insurance Trust - Real Return Portfolio:
Administrative Class
Investment Advisor: PIMCO
1.39%
7.85%
1.21%
3.21%
Fixed Income
PIMCO Variable Insurance Trust - Short-Term Portfolio:
Administrative Class
Investment Advisor: PIMCO
0.65%
4.67%
3.25%
2.76%
Fixed Income
PIMCO Variable Insurance Trust - Total Return Portfolio:
Administrative Class
Investment Advisor: PIMCO
0.73%
8.89%
0.02%
2.36%
Equity
Schwab Annuity Portfolios - Schwab® S&P 500 Index
Portfolio
Investment Advisor: Charles Schwab Investment Management,
Inc.
0.03%
17.83%
14.38%
14.75%
Equity
T. Rowe Price Equity Series, Inc. - T. Rowe Price All-Cap
Opportunities Portfolio
Investment Advisor: T. Rowe Price Associates, Inc.
0.80%*
16.30%
12.22%
16.93%
Equity
T. Rowe Price Equity Series, Inc. - T. Rowe Price Blue Chip
Growth Portfolio
Investment Advisor: T. Rowe Price Associates, Inc.
0.75%
18.74%
11.68%
15.54%
Equity
T. Rowe Price Equity Series, Inc. - T. Rowe Price Equity
Income Portfolio: II
Investment Advisor: T. Rowe Price Associates, Inc.
0.99%
14.07%
10.89%
10.24%
Equity
T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap
Growth Portfolio
Investment Advisor: T. Rowe Price Associates, Inc.
Sub-Advisor: T. Rowe Price Investment Management, Inc.
0.84%*
3.55%
3.84%
9.81%
Allocation
T. Rowe Price Equity Series, Inc. - T. Rowe Price Moderate
Allocation Portfolio
Investment Advisor: T. Rowe Price Associates, Inc.
Sub-Advisor: T. Rowe Price Investment Management, Inc., T.
Rowe Price International Ltd, T. Rowe Price Hong Kong
Limited
0.85%*
14.50%
5.50%
7.84%
Equity
VanEck VIP Trust - VanEck VIP Global Resources Fund:
Initial Class
Investment Advisor: Van Eck Associates Corporation
1.08%
36.48%
10.51%
8.33%
Allocation
Vanguard Variable Insurance Fund - Balanced Portfolio
Investment Advisor: Wellington Management Company, LLP
0.20%
16.46%
9.29%
10.03%
Equity
Vanguard Variable Insurance Fund - Capital Growth
Portfolio
Investment Advisor: PRIMECAP Management Company
0.34%
28.98%
13.97%
14.96%
Equity
Vanguard Variable Insurance Fund - Diversified Value
Portfolio
Investment Advisor: Hotchkis and Wiley Capital Management,
LLC, Lazard Asset Management
0.28%
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%
16.80%
12.59%
11.52%
26
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
Vanguard Variable Insurance Fund - Equity Index Portfolio
Investment Advisor: Vanguard Strategic Equity Index
Management
0.14%
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%
5.69%
-0.41%
 
Equity
Vanguard Variable Insurance Fund - Growth Portfolio
Investment Advisor: Wellington Management Company, LLP
0.36%
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%
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%
19.97%
0.62%
10.48%
Equity
Vanguard Variable Insurance Fund - Mid-Cap Index
Portfolio
Investment Advisor: Vanguard Strategic Equity Index
Management
0.17%
11.54%
8.46%
10.77%
Equity
Vanguard Variable Insurance Fund - Real Estate Index
Portfolio
Investment Advisor: Vanguard Strategic Equity Index
Management
0.26%
3.11%
4.51%
5.08%
Fixed Income
Vanguard Variable Insurance Fund - Short-Term
Investment-Grade Portfolio
Investment Advisor: The Vanguard Group Inc. (Vanguard Fixed
Income Group)
0.14%
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%
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%
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%
32.04%
7.88%
 
Equity
Vanguard Variable Insurance Fund - Total Stock Market
Index Portfolio
Investment Advisor: Vanguard Strategic Equity Index
Management
0.13%
16.93%
12.98%
14.10%
Equity
Virtus Variable Insurance Trust - Virtus Duff & Phelps Real
Estate Securities Series: Class I
Investment Advisor: Virtus Investment Advisers, Inc.
Sub-Advisor: Duff & Phelps Investment Management Co., an
affiliate of VIA.
0.85%*
1.00%
6.34%
6.21%
*
This underlying mutual fund’s current expenses reflect a temporary fee reduction.
27
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/C000211469NW/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: C000211469

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