Form 497VPI Nationwide Variable Acco

April 27, 2026 1:09 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 Advisory Retirement Income Annuity®
Individual Flexible Premium Deferred Variable Annuity Contracts
Issued by
Nationwide Life Insurance Company
through its
Nationwide Variable Account-15
Summary Prospectus for New Investors
May 1, 2026
The contracts described in this prospectus are not available in the State of New York.
This summary prospectus summarizes key features of the contract. Not all benefits and features are available in all states. Check the statutory prospectus for information relating to state availability.
Before you invest, you should also review the statutory prospectus for the contract, which contains more information about the contract’s features, benefits, and risks. You can find this document and other information about the contract online at https://nationwide.onlineprospectus.net/NW/C000206996NW/index.php?ctype=product_prospectus. You can also obtain this information at no cost by calling 1-866-667-0561 or by sending an email request to [email protected].
Variable annuities are complex investment products and involve risks, including the potential loss of principal. The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals under the contract could result in taxes and tax penalties.
This variable annuity requires that you purchase a living benefit rider, for an additional charge, at the time of purchase of the variable annuity. The living benefit is intended to provide Contract Owners with a guaranteed lifetime income stream beginning on or after age 59½, provided certain conditions are met. The contract is designed for Contract Owners who intend to take regular withdrawals ("Lifetime Withdrawals") each year on or after reaching age 59½. A Contract Owner should not purchase the contract if he or she does not intend to take Lifetime Withdrawals on or after age 59½. Contract Owners should also understand that if they intend to take withdrawals prior to age 59½ ("Early Withdrawals"), intend to take a one-time Non-Lifetime Withdrawal, or intend to take withdrawals in excess of the guaranteed lifetime income withdrawal amount, doing so may result in adverse consequences such as a permanent reduction in rider benefits or automatic termination of the living benefit rider. In addition, currently, there is only one investment option available for direct allocation.
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.
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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.
Annual Adviser Fee Allowance – An amount used to determine whether a withdrawal from the contract to pay
investment advisory fees is a Standard Adviser Fee or an Excess Adviser Fee. Information on how to calculate the
Annual Adviser Fee Allowance is in the Withdrawals to Pay Investment Advisory Fees provision in the statutory
prospectus.
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 Nationwide Lifetime Income Rider Plus Core Advisory,
Nationwide Lifetime Income Rider Plus Accelerated Advisory, and Pro 4 option, it is equal to the Original Income
Benefit Base adjusted throughout the life of the contract to account for subsequent purchase payments, Early
Withdrawals (applicable for Pro 4 option), Excess Withdrawals, Excess Adviser Fees, reset opportunities, and if
elected, the Non-Lifetime Withdrawal. Starting with the first Lifetime Withdrawal, this amount is multiplied by the
Lifetime Withdrawal Percentage to arrive at the Lifetime Withdrawal Amount for any given calendar 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.
Early Withdrawal – For purposes of the Pro 4 option, any withdrawal taken before the Withdrawal Start Date,
excluding a Non-Lifetime Withdrawal, Excess Adviser Fees, and Standard Adviser Fees.
Excess Adviser Fee – Any withdrawal or combination of withdrawals from the contract to pay investment advisory
fees in excess of the Annual Adviser Fee Allowance for the current Contract Year.
Excess Withdrawal – For purposes of the Nationwide Lifetime Income Rider Plus Core Advisory, Nationwide Lifetime
Income Rider Plus Accelerated Advisory, and Pro 4 option, the amount of any withdrawal taken in excess of the
Lifetime Withdrawal for that year, excluding a Non-Lifetime Withdrawal, Excess Adviser Fees, and Standard Adviser
Fees.
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 Nationwide Lifetime Income Rider Plus Core Advisory, Nationwide Lifetime
Income Rider Plus Accelerated Advisory, and Pro 4 option, it is a withdrawal of all or a portion of the Lifetime
Withdrawal Amount.
Lifetime Withdrawal Amount – For purposes of the Nationwide Lifetime Income Rider Plus Core Advisory,
Nationwide Lifetime Income Rider Plus Accelerated Advisory, and Pro 4 option, the maximum amount that can be
withdrawn during a calendar year after the Withdrawal Start Date without reducing the Current Income Benefit Base.
It is calculated annually, on each January 1, by multiplying the Current Income Benefit Base by the Lifetime
Withdrawal Percentage.
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Lifetime Withdrawal Percentage – An age-based percentage used to determine the Lifetime Withdrawal Amount
under the Nationwide Lifetime Income Rider Plus Core Advisory, Nationwide Lifetime Income Rider Plus Accelerated
Advisory, and Pro 4 option. The applicable percentage is multiplied by the Current Income Benefit Base to arrive at
the Lifetime Withdrawal Amount. The Rate Sheet Supplement discloses the Lifetime Withdrawal Percentages that
are currently available for new contracts.
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 Nationwide Lifetime Income Rider Plus Core Advisory, Nationwide
Lifetime Income Rider Plus Accelerated Advisory, and Pro 4 option, a one-time only election to take a withdrawal
from the contract after the first Contract Anniversary and before the first Lifetime Withdrawal that will not initiate the
lifetime income benefit.
Original Income Benefit Base – For purposes of the Nationwide Lifetime Income Rider Plus Core Advisory,
Nationwide Lifetime Income Rider Plus Accelerated Advisory, and Pro 4 option, the initial benefit base calculated on
the date the option is elected, which is equal to the Contract Value.
Rate Sheet Supplement – A supplement to this prospectus that contains certain information applicable to the
Nationwide Lifetime Income Rider Plus Core Advisory, Nationwide Lifetime Income Rider Plus Accelerated Advisory,
and Pro 4 option, during the stipulated period. The Rate Sheet Supplement discloses the Roll-up Interest Rate, Roll-
up Crediting Period, and Lifetime Withdrawal Percentages that are available for new contracts.
Roll-up Interest Rate – For purposes of the Nationwide Lifetime Income Rider Plus Core Advisory and Nationwide
Lifetime Income Rider Plus Accelerated Advisory, the simple interest rate used to determine the roll-up in the
calculation of the Current Income Benefit Base. The Rate Sheet Supplement discloses the Roll-up Interest Rate that
is currently available for new contracts.
Roll-up Crediting Period – For purposes of the Nationwide Lifetime Income Rider Plus Core Advisory and Nationwide
Lifetime Income Rider Plus Accelerated Advisory, beginning with the date the contract is issued, the maximum
period of time that the Roll-up Interest Rate will be applied in the calculation of the Current Income Benefit Base.
The Rate Sheet Supplement discloses the Roll-up Crediting Period that is currently available for new contracts.
Roth IRA – An annuity contract that qualifies for favorable tax treatment under Section 408A of the Internal Revenue
Code.
SEC – Securities and Exchange Commission.
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.
Standard Adviser Fee – Any withdrawal or combination of withdrawals from the contract to pay investment advisory
fees that is less than or equal to the Annual Adviser Fee Allowance for the current Contract Year.
Sub-Account Daily Net Assets – A figure that is calculated at the end of each Valuation Date and represents the
sum of the Contract Owners’ interests in a specific Sub-Account after the deduction of underlying mutual fund
expenses.
Sub-Accounts – Divisions of the Variable Account, each of which invests in a single underlying mutual fund.
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.
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Variable Account – Nationwide Variable Account-15, 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 Pro 4 option, the date Lifetime Withdrawals begin which must be on or
after the date the Contract Owner reaches age 59½, or if the Joint Option for the Pro 4 option is elected, the date the
younger spouse reaches age 59½. For purposes of the Nationwide Lifetime Income Rider Plus Core Advisory and
Nationwide Lifetime Income Rider Plus Accelerated Advisory, the date the Lifetime Withdrawals begin.
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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. Annuity payments are fixed, meaning each annuity payment will be the same amount. 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. 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. After Annuitization, withdrawals other than annuity payments are not permitted.
Death Benefit. During the accumulation phase, the contract contains a standard death benefit (return of Contract Value) at no additional charge.
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:
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•
Return of Premium Death Benefit Option
Spousal Protection Feature. The death benefit option contains 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 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:
•
Nationwide Lifetime Income Rider Plus Core Advisory
•
Joint Option for the Nationwide Lifetime Income Rider Plus Core Advisory
•
Nationwide Lifetime Income Rider Plus Accelerated Advisory
•
Joint Option for the Nationwide Lifetime Income Rider Plus Accelerated Advisory
•
Pro 4 Option
•
Joint Option for the Pro 4 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 Program
•
Dollar Cost Averaging
•
Systematic Withdrawals
•
Custom Choice Asset Rebalancing Service
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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
0.20%1
0.20%1
Underlying mutual fund fees and expenses
0.09%2
3.38%2
Optional benefits available for an additional
charge (for a single optional benefit, if elected)
0.15%3
1.60%3
1 As a percentage of Daily Net Assets.
2 As a percentage of underlying mutual fund net assets. Minimum and maximum
expenses include the maximum Low Cost Fund Fee (see Low Cost Fund Fee in the
statutory prospectus)
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:
$286.24
Highest Annual Cost Estimate:
$4,845.70
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).
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RISKS
What Are the Risks
Associated with the
Investment Options?
● Investment in this contract is subject to the risk of poor investment performance.
Investment experience can vary depending on the investment options selected by the
Contract Owner.
● Each investment option has its own unique risks.
● Review the prospectuses and disclosures for the investment options before making an
investment decision.
See Principal Risks in the statutory prospectus.
What Are the Risks
Related to the Insurance
Company?
Investment in the contract is subject to the risks associated with 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 H: 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 H: 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.
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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).
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 H: 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
Enhanced Surrender
Value for Terminal
Illness
Early payment of death
benefit (applicable to
the optional death
benefit)
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
Asset Rebalancing
Program (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 Choice 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 the
Nationwide Lifetime Income Rider Plus Core
Advisory, Nationwide Lifetime Income Rider Plus
Accelerated Advisory, or the Pro 4 option
● During the program, cannot participate in other
asset allocation or asset rebalancing programs
● Allocation limitations exist based on asset class
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Optional Benefits Table 
Name of Benefit
Purpose
Maximum
Fee
Current Fee
Brief Description of Restrictions/
Limitations
Return of Premium
Death Benefit Option
Enhanced death benefit
0.15% (death
benefit value)
0.15% (death
benefit value)
● Annuitant must be 85 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
● Excess Adviser Fees will negatively
impact the benefit
 
Spousal Protection Feature
 
● 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
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Name of Benefit
Purpose
Maximum
Fee
Current Fee
Brief Description of Restrictions/
Limitations
Nationwide Lifetime
Income Rider Plus Core
Advisory
Guaranteed lifetime
income stream
1.50%
(Current
Income
Benefit
Base)
1.30%
(Current
Income
Benefit
Base)
● Available for contracts with
applications signed on or after
November 13, 2023
● 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
● Dollar Cost Averaging programs are
not available
● Nationwide may limit subsequent
purchase payments
● Certain ownership changes and
assignments could terminate the
benefit
● Determining life must be between 45
and 85 at application
● Determining life cannot be changed
● Restrictions exist on the parties
named to the contract
● Excess Adviser Fees will negatively
impact the benefit
Joint Option for the
Nationwide Lifetime
Income Rider Plus Core
Advisory
Extension of
guaranteed lifetime
income stream for
spouse
0.40%
(Current
Income
Benefit
Base)
0.30%
(Current
Income
Benefit
Base)
● Available for contracts with
applications signed on or after
November 13, 2023
● Only available if the Nationwide
Lifetime Income Rider Plus Core
Advisory 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
and 85 at application
● Restrictions exist on the parties
named to the contract
13
Name of Benefit
Purpose
Maximum
Fee
Current Fee
Brief Description of Restrictions/
Limitations
Nationwide Lifetime
Income Rider Plus
Accelerated Advisory
Guaranteed lifetime
income stream
1.50%
(Current
Income
Benefit
Base)
1.30%
(Current
Income
Benefit
Base)
● Available for contracts with
applications signed on or after
November 13, 2023
● 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
● Dollar Cost Averaging programs are
not available
● Nationwide may limit subsequent
purchase payments
● Certain ownership changes and
assignments could terminate the
benefit
● Determining life must be between 45
and 85 at application
● Determining life cannot be changed
● Restrictions exist on the parties
named to the contract
● Excess Adviser Fees will negatively
impact the benefit
Joint Option for the
Nationwide Lifetime
Income Rider Plus
Accelerated Advisory
Extension of
guaranteed lifetime
income stream for
spouse
0.40%
(Current
Income
Benefit
Base)
0.30%
(Current
Income
Benefit
Base)
● Available for contracts with
applications signed on or after
November 13, 2023
● Only available if the Nationwide
Lifetime Income Rider Plus
Accelerated Advisory 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
and 85 at application
● Restrictions exist on the parties
named to the contract
14
Name of Benefit
Purpose
Maximum
Fee
Current Fee
Brief Description of Restrictions/
Limitations
Pro 4 Option
Guaranteed lifetime
income stream
0.55%
(Current
Income
Benefit
Base)
0.45%
(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
● Excess Adviser Fees will negatively
impact the benefit
Joint Option for the Pro
4 Option
Extension of
guaranteed lifetime
income stream for
spouse
0.15%
(Current
Income
Benefit
Base)
0.15%
(Current
Income
Benefit
Base)
● Only available if the Pro 4 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. 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 (see Dollar Limit Restrictions).
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
15
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).
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 Nationwide Lifetime Income Rider Plus Core Advisory, Nationwide Lifetime Income Rider Plus Accelerated Advisory, or the Pro 4 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 or electronic 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.
16
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.
17
Additional Information About Fees
The following tables describe the fees, expenses, and 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; of those charges were reflected, the fees and expenses would be higher.
The first table describes the fees and expenses a Contract Owner will pay at the time the Contract Owner buys the contract, surrenders or makes withdrawals from an investment option or from the contract, or transfers Contract Value between investment options. State premium taxes may also be deducted.  
Annual Contract Expenses
Base Contract Expenses1 (assessed as an annualized percentage of Daily Net Assets)
0.20%
Optional Benefit Expenses2
 
Return of Premium Death Benefit Option Charge (assessed annually as a percentage of the benefit base (the
death benefit value))
0.15%
Living Benefit Options3 (assessed annually as a percentage of a benefit base)
 
Maximum Nationwide Lifetime Income Rider Plus Core Advisory Charge (the benefit base is the Current
Income Benefit Base4) (available for contracts with applications signed on or after November 13, 2023)
1.50%5
Maximum Joint Option for Nationwide Lifetime Income Rider Plus Core Advisory Charge (the benefit base is
the Current Income Benefit Base4) (this is in addition to the charge for the Nationwide Lifetime Income Rider Plus
Core Advisory option) (available for contracts with applications signed on or after November 13, 2023)
0.40%6
Maximum Nationwide Lifetime Income Rider Plus Accelerated Advisory Charge (the benefit base is the
Current Income Benefit Base4) (available for contracts with applications signed on or after November 13, 2023)
1.50%5
Maximum Joint Option for Nationwide Lifetime Income Rider Plus Accelerated Advisory Charge (the benefit
base is the Current Income Benefit Base4) (this is in addition to the charge for the Nationwide Lifetime Income
Rider Plus Accelerated Advisory option) (available for contracts with applications signed on or after November 13,
2023)
0.40%6
Maximum Pro 4 Option Charge (the benefit base is the Current Income Benefit Base4)
0.55%7
Joint Option for the Pro 4 Option Charge (the benefit base is the Current Income Benefit Base4) (this is in
addition to the charge for the Pro 4 Option)
0.15%
 
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 the corresponding rider disclosures in Benefits Under the Contract in the statutory prospectus.
5
Currently, the charge associated with the Nationwide Lifetime Income Rider Plus Core Advisory and Nationwide Lifetime Income Rider Plus Accelerated Advisory is equal to 1.30% of the Current Income Benefit Base.
6
Currently, the charge associated with the Joint Option for the Nationwide Lifetime Income Rider Plus Core Advisory and the Joint Option for the Nationwide Lifetime Income Rider Plus Accelerated Advisory is equal to 0.30% of the Current Income Benefit Base.
7
Currently, the charge associated with the Pro 4 option is equal to 0.45% 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. These amounts also include the maximum applicable Low
18
Cost Fund Fee if you choose to invest in certain Sub-Accounts (see Low Cost Fund Fee in the statutory prospectus). 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.)
0.09%
3.38%
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 (2.25%)1. Specifically:
•
Return of Premium Death Benefit Option charge,
•
Nationwide Lifetime Income Rider Plus Core Advisory option charge, and
•
Joint Option for Nationwide Lifetime Income Rider Plus Core Advisory option charge.
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
(3.38%)
$5,912
$17,573
$29,024
$56,748
*
$17,573
$29,024
$56,748
$5,912
$17,573
$29,024
$56,748
Minimum Annual
Underlying
Mutual Fund
Expenses
(0.09%)
$2,457
$7,560
$12,926
$27,581
*
$7,560
$12,926
$27,581
$2,457
$7,560
$12,926
$27,581
*
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 benefit base is higher or lower than the Daily Net Assets. For purposes of this table, Nationwide assumes the benefit base is equal to the Daily Net Assets.
19
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/C000206996NW/index.php. This information can also be obtained at no cost by calling 1-866-667-0561 or by sending an email request to [email protected]. 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 H: 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, such as any Low Cost Fund Fee. 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
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Equity
Alger Capital Appreciation Portfolio:
Class I-2 Shares
Investment Advisor: Fred Alger
Management, LLC
0.94%
0.00%
0.94%
32.87%
16.33%
18.17%
Equity
AllianceBernstein Variable Products
Series Fund, Inc. - AB VPS Discovery
Value Portfolio: Class A
Investment Advisor: AllianceBernstein L.P.
0.82%
0.00%
0.82%
2.89%
8.75%
8.55%
Equity
AllianceBernstein Variable Products
Series Fund, Inc. - AB VPS Large Cap
Growth Portfolio: Class B
Investment Advisor: AllianceBernstein L.P.
0.90%
0.00%
0.90%
12.85%
11.76%
15.88%
Equity
AllianceBernstein Variable Products
Series Fund, Inc. - AB VPS Relative Value
Portfolio: Class A
Investment Advisor: AllianceBernstein L.P.
0.59%*
0.00%
0.59%
10.47%
11.42%
10.57%
Allocation
American Funds Insurance Series® -
American Funds® Global Balanced Fund:
Class 4
Investment Advisor: Capital Research and
Management Company
1.01%*
0.00%
1.01%
16.96%
5.85%
7.43%
Fixed Income
American Funds Insurance Series® -
American High-Income Trust: Class 4
Investment Advisor: Capital Research and
Management Company
0.83%*
0.00%
0.83%
7.94%
5.33%
6.68%
Allocation
American Funds Insurance Series® -
Asset Allocation Fund: Class 4
Investment Advisor: Capital Research and
Management Company
0.79%
0.00%
0.79%
15.59%
8.70%
9.50%
Allocation
American Funds Insurance Series® -
Capital Income Builder®: Class 4
Investment Advisor: Capital Research and
Management Company
0.78%*
0.00%
0.78%
20.16%
8.82%
7.32%
Equity
American Funds Insurance Series® -
Global Growth Fund: Class 4
Investment Advisor: Capital Research and
Management Company
0.91%*
0.00%
0.91%
21.34%
7.97%
11.89%
Equity
American Funds Insurance Series® -
Global Small Capitalization Fund: Class 4
Investment Advisor: Capital Research and
Management Company
1.15%*
0.00%
1.15%
14.33%
0.23%
6.96%
20
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Equity
American Funds Insurance Series® -
Growth Fund: Class 4
Investment Advisor: Capital Research and
Management Company
0.84%
0.00%
0.84%
19.93%
13.09%
17.67%
Equity
American Funds Insurance Series® -
Growth-Income Fund: Class 4
Investment Advisor: Capital Research and
Management Company
0.78%
0.00%
0.78%
17.77%
13.62%
13.63%
Equity
American Funds Insurance Series® -
New World Fund®: Class 4
Investment Advisor: Capital Research and
Management Company
1.07%*
0.00%
1.07%
27.93%
5.06%
8.98%
Fixed Income
American Funds Insurance Series® - The
Bond Fund of America: Class 4
Investment Advisor: Capital Research and
Management Company
0.73%*
0.00%
0.73%
6.98%
-0.38%
2.11%
Fixed Income
American Funds Insurance Series® - U.S.
Government Securities Fund: Class 4
Investment Advisor: Capital Research and
Management Company
0.75%*
0.00%
0.75%
7.54%
-0.49%
1.45%
Equity
American Funds Insurance Series® -
Washington Mutual Investors Fund:
Class 4
Investment Advisor: Capital Research and
Management Company
0.75%*
0.00%
0.75%
16.90%
13.60%
12.08%
Fixed Income
BlackRock Variable Series Funds II, Inc. -
BlackRock High Yield V.I. Fund: Class III
Investment Advisor: BlackRock Advisors,
LLC
Sub-Advisor: BlackRock International
Limited
0.78%*
0.00%
0.78%
8.52%
4.47%
6.02%
Fixed Income
BlackRock Variable Series Funds II, Inc. -
BlackRock Total Return V.I. Fund: Class
III
Investment Advisor: BlackRock Advisors,
LLC
Sub-Advisor: BlackRock International
Limited and BlackRock (Singapore) Limited
0.74%*
0.00%
0.74%
7.14%
-0.75%
1.82%
Allocation
BlackRock Variable Series Funds, Inc. -
BlackRock 60/40 Target Allocation ETF
V.I. Fund: Class III
Investment Advisor: BlackRock Advisors,
LLC
0.58%*
0.00%
0.58%
15.37%
7.05%
8.45%
Allocation
Calvert Variable Series, Inc. - Calvert VP
SRI Balanced Portfolio: Class F
Investment Advisor: Calvert Research and
Management
0.90%
0.00%
0.90%
11.68%
8.44%
9.51%
Equity
Columbia Funds Variable Insurance
Trust - Columbia Variable Portfolio -
Small 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%*
0.00%
1.13%
14.66%
12.19%
11.20%
21
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
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%*
0.00%
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%*
0.00%
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%*
0.00%
0.89%
8.49%
3.93%
5.51%
Equity
Columbia Funds Variable Series Trust II -
Columbia Variable Portfolio - Select Mid
Cap Growth Fund: Class 2
Investment Advisor: Columbia Management
Investment Advisors, LLC
1.07%*
0.00%
1.07%
14.86%
7.26%
11.89%
Equity
Columbia Funds Variable Series Trust II -
Columbia Variable Portfolio - Seligman
Global Technology: Class 2 (formerly,
Columbia Funds Variable Insurance
Trust II - Columbia Variable Portfolio -
Seligman Global Technology: Class 2)
Investment Advisor: Columbia Management
Investment Advisors, LLC
1.18%*
0.00%
1.18%
34.37%
18.42%
22.70%
Equity
Delaware VIP Trust - Nomura VIP Small
Cap Value Series: Service Class
Investment Advisor: Delaware Management
Company, a series of Nomura Investment
Management Business Trust (a Delaware
statutory trust)
1.04%
0.00%
1.04%
7.83%
8.93%
8.84%
Alternative Strategies
Deutsche DWS Variable Series II - DWS
Alternative Asset Allocation VIP: Class B
Investment Advisor: DWS Investment
Management Americas, Inc.
Sub-Advisor: RREEF America L.L.C.
1.26%
0.00%
1.26%
10.03%
4.88%
4.52%
Equity
DFA Investment Dimensions Group Inc. -
Dimensional VA Equity Allocation
Portfolio: Institutional Class
Investment Advisor: Dimensional Fund
Advisors LP
Sub-Advisor: Dimensional Fund Advisors
Ltd. And DFA Australia Limited
0.31%*
0.35%
0.66%
19.94%
12.23%
 
Fixed Income
DFA Investment Dimensions Group Inc. -
Dimensional VA Global Bond Portfolio
Investment Advisor: Dimensional Fund
Advisors LP
Sub-Advisor: Dimensional Fund Advisors
Ltd. And DFA Australia Limited
0.21%
0.35%
0.56%
4.35%
1.38%
1.81%
22
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Allocation
DFA Investment Dimensions Group Inc. -
Dimensional VA Global Moderate
Allocation Portfolio: Institutional Class
Investment Advisor: Dimensional Fund
Advisors LP
0.28%*
0.35%
0.63%
14.68%
8.42%
8.65%
Equity
DFA Investment Dimensions Group Inc. -
Dimensional VA International Small
Portfolio
Investment Advisor: Dimensional Fund
Advisors LP
Sub-Advisor: Dimensional Fund Advisors
Ltd. And DFA Australia Limited
0.39%
0.35%
0.74%
36.99%
8.89%
8.68%
Equity
DFA Investment Dimensions Group Inc. -
Dimensional VA International Value
Portfolio
Investment Advisor: Dimensional Fund
Advisors LP
Sub-Advisor: Dimensional Fund Advisors
Ltd. And DFA Australia Limited
0.27%
0.35%
0.62%
45.64%
15.85%
10.46%
Fixed Income
DFA Investment Dimensions Group Inc. -
Dimensional VA Short-Term Fixed
Portfolio
Investment Advisor: Dimensional Fund
Advisors LP
Sub-Advisor: Dimensional Fund Advisors
Ltd. And DFA Australia Limited
0.12%
0.35%
0.47%
4.33%
2.65%
1.97%
Equity
DFA Investment Dimensions Group Inc. -
Dimensional VA U.S. Large Value
Portfolio
Investment Advisor: Dimensional Fund
Advisors LP
0.21%
0.35%
0.56%
15.83%
11.97%
10.51%
Equity
DFA Investment Dimensions Group Inc. -
Dimensional VA U.S. Targeted Value
Portfolio
Investment Advisor: Dimensional Fund
Advisors LP
0.29%
0.35%
0.64%
8.95%
13.60%
11.00%
Allocation
Fidelity Variable Insurance Products
Fund - VIP Balanced Portfolio: Service
Class 2
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FMR Investment Management
(UK) Limited, Fidelity Management &
Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.66%
0.00%
0.66%
14.96%
9.24%
10.84%
Equity
Fidelity Variable Insurance Products
Fund - VIP Contrafund® Portfolio:
Service Class 2
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FMR Investment Management
(UK) Limited, Fidelity Management &
Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.79%
0.00%
0.79%
21.19%
15.08%
15.49%
23
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Equity
Fidelity Variable Insurance Products
Fund - VIP Energy Portfolio: Service
Class 2
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FMR Investment Management
(UK) Limited, Fidelity Management &
Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.85%
0.00%
0.85%
10.34%
23.86%
7.69%
Fixed Income
Fidelity Variable Insurance Products
Fund - VIP Floating Rate High Income
Portfolio: Initial Class
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FMR Investment Management
(UK) Limited, Fidelity Management &
Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.73%
0.00%
0.73%
5.33%
6.06%
5.44%
Equity
Fidelity Variable Insurance Products
Fund - VIP Growth & Income Portfolio:
Service Class 2
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FMR Investment Management
(UK) Limited, Fidelity Management &
Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.72%
0.00%
0.72%
21.21%
15.83%
13.56%
Equity
Fidelity Variable Insurance Products
Fund - VIP Growth Opportunities
Portfolio: Service Class 2
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FMR Investment Management
(UK) Limited, Fidelity Management &
Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.81%
0.00%
0.81%
21.65%
11.03%
19.64%
Equity
Fidelity Variable Insurance Products
Fund - VIP Growth Portfolio: Service
Class 2
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FMR Investment Management
(UK) Limited, Fidelity Management &
Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.80%
0.00%
0.80%
14.61%
13.41%
17.15%
Equity
Fidelity Variable Insurance Products
Fund - VIP International Capital
Appreciation Portfolio: Service Class 2
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FIL Investment Advisors, FIL
Investment Advisors (UK) Limited, FMR
Investment Management (UK) Limited,
Fidelity Management & Research (Hong
Kong) Limited, Fidelity Management &
Research (Japan) Limited
1.02%
0.00%
1.02%
18.36%
5.99%
9.53%
24
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
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 2
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FMR Investment Management
(UK) Limited, Fidelity Management &
Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.62%
0.00%
0.62%
6.93%
-0.21%
2.45%
Fixed Income
Fidelity Variable Insurance Products
Fund - VIP Strategic Income Portfolio:
Service Class 2
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FIL Investment Advisors, FIL
Investment Advisors (UK) Limited, FMR
Investment Management (UK) Limited,
Fidelity Management & Research (Hong
Kong) Limited, Fidelity Management &
Research (Japan) Limited
0.88%
0.00%
0.88%
8.58%
2.79%
4.40%
Equity
Fidelity Variable Insurance Products
Fund - VIP Utilities Portfolio: Service
Class 2
Investment Advisor: Fidelity Management &
Research Company LLC
0.85%
0.00%
0.85%
13.83%
12.24%
12.23%
Equity
Fidelity Variable Insurance Products
Fund - VIP Value Strategies Portfolio:
Service Class 2
Investment Advisor: Fidelity Management &
Research Company LLC
Sub-Advisor: FMR Investment Management
(UK) Limited, Fidelity Management &
Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.84%
0.00%
0.84%
7.70%
11.87%
10.54%
Equity
First Eagle Variable Funds - Overseas
Variable Fund
Investment Advisor: First Eagle Investment
Management, LLC
1.21%*
0.00%
1.21%
37.47%
9.02%
7.61%
Equity
Goldman Sachs Variable Insurance Trust
- Goldman Sachs Mid Cap Growth Fund:
Service Shares
Investment Advisor: Goldman Sachs Asset
Management, L.P.
0.98%*
0.00%
0.98%
7.36%
4.68%
11.59%
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%*
0.00%
1.07%
15.82%
10.19%
10.58%
Fixed Income
Guggenheim Variable Funds Trust -
Series E (Total Return Bond Series)
Investment Advisor: Guggenheim
Investments
0.91%*
0.00%
0.91%
7.48%
-0.21%
3.13%
Fixed Income
Guggenheim Variable Funds Trust -
Series F (Floating Rate Strategies Series)
Investment Advisor: Guggenheim
Investments
1.15%*
0.00%
1.15%
3.57%
4.56%
4.13%
25
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Equity
Invesco - Invesco V.I. Discovery Mid Cap
Growth Fund: Series II
Investment Advisor: Invesco Advisers, Inc.
1.11%
0.00%
1.11%
4.53%
3.64%
11.10%
Allocation
Janus Aspen Series - Janus Henderson
Balanced Portfolio: Service Shares
Investment Advisor: Janus Henderson
Investors US LLC
0.87%
0.00%
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%
0.00%
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%*
0.00%
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%
0.00%
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%*
0.00%
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%
0.00%
0.97%
24.84%
13.44%
21.18%
Equity
Janus Aspen Series - Janus Henderson
Overseas Portfolio: Service Shares
Investment Advisor: Janus Henderson
Investors US LLC
0.96%
0.00%
0.96%
28.58%
9.17%
8.97%
Equity
John Hancock Variable Insurance Trust -
Disciplined Value Emerging Markets
Equity Trust: Series NAV
Investment Advisor: John Hancock Variable
Trust Advisers LLC
Sub-Advisor: Boston Partners Global
Investors, Inc.
0.99%*
0.10%
1.09%
32.00%
7.83%
8.56%
Equity
Legg Mason Partners Variable Equity
Trust - ClearBridge Variable Small Cap
Growth Portfolio: Class II
Investment Advisor: Franklin Templeton
Fund Adviser, LLC
Sub-Advisor: ClearBridge Investments, LLC
1.06%
0.00%
1.06%
8.97%
-0.42%
9.11%
Fixed Income
Lord Abbett Series Fund, Inc. - Bond
Debenture Portfolio: Class VC
Investment Advisor: Lord, Abbett & Co. LLC
0.98%
0.00%
0.98%
8.32%
2.09%
4.72%
Fixed Income
Lord Abbett Series Fund, Inc. - Total
Return Portfolio: Class VC
Investment Advisor: Lord, Abbett & Co. LLC
0.71%
0.00%
0.71%
7.19%
0.07%
2.28%
26
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Equity
MFS® Variable Insurance Trust - MFS
Growth Series: Service Class
Investment Advisor: Massachusetts
Financial Services Company
0.98%*
0.00%
0.98%
11.90%
10.82%
15.31%
Equity
MFS® Variable Insurance Trust - MFS
New Discovery Series: Service Class
Investment Advisor: Massachusetts
Financial Services Company
1.12%*
0.00%
1.12%
12.56%
-0.54%
10.46%
Equity
MFS® Variable Insurance Trust - MFS
Value Series: Service Class
Investment Advisor: Massachusetts
Financial Services Company
0.94%*
0.00%
0.94%
12.77%
9.69%
9.77%
Equity
MFS® Variable Insurance Trust II - MFS
International Growth Portfolio: Service
Class
Investment Advisor: Massachusetts
Financial Services Company
1.13%*
0.00%
1.13%
20.81%
6.80%
9.60%
Equity
MFS® Variable Insurance Trust II - MFS
Research International Portfolio: Service
Class
Investment Advisor: Massachusetts
Financial Services Company
1.15%*
0.00%
1.15%
21.75%
5.25%
7.27%
Equity
MFS® Variable Insurance Trust III - MFS
Mid Cap Value Portfolio: Service Class
Investment Advisor: Massachusetts
Financial Services Company
1.04%*
0.00%
1.04%
5.75%
9.90%
9.69%
Equity
Nationwide Variable Insurance Trust -
NVIT Allspring Discovery Fund: Class II
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: Allspring Global Investments,
LLC
1.08%*
0.00%
1.08%
5.62%
-2.35%
9.38%
Equity
Nationwide Variable Insurance Trust -
NVIT BlackRock Equity Dividend Fund:
Class I
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: BlackRock Investment
Management, LLC
0.80%*
0.00%
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%*
0.00%
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%*
0.00%
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%*
0.00%
0.87%
12.47%
5.93%
6.60%
27
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Allocation
Nationwide Variable Insurance Trust -
NVIT Blueprint® Capital Appreciation
Fund: Class II
Investment Advisor: Nationwide Fund
Advisors
0.90%*
0.00%
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%*
0.00%
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%*
0.00%
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%*
0.00%
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%*
0.00%
0.87%
11.10%
4.86%
5.78%
Equity
Nationwide Variable Insurance Trust -
NVIT BNY Mellon Dynamic U.S. Equity
Income: Class II
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: Newton Investment
Management Limited
0.93%*
0.00%
0.93%
18.43%
14.45%
11.53%
Fixed Income
Nationwide Variable Insurance Trust -
NVIT Bond Index Fund: Class Y
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: BlackRock Investment
Management, LLC
0.24%
0.00%
0.24%
7.06%
-0.59%
1.79%
Fixed Income
Nationwide Variable Insurance Trust -
NVIT DoubleLine Total Return Tactical
Fund: Class Y
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: DoubleLine Capital LP
0.58%*
0.00%
0.58%
7.69%
0.62%
 
Equity
Nationwide Variable Insurance Trust -
NVIT Fidelity Institutional AM® Emerging
Markets Fund: Class I
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: FIAM LLC
1.12%*
0.00%
1.12%
36.15%
1.01%
6.31%
Equity
Nationwide Variable Insurance Trust -
NVIT Fidelity Institutional AM®
Worldwide Fund: Class II
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: FIAM LLC
1.05%*
0.00%
1.05%
 
 
 
28
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
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 I
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: Federated Investment
Management Company
0.47%
0.00%
0.47%
3.91%
2.95%
1.85%
Equity
Nationwide Variable Insurance Trust -
NVIT International Equity Fund: Class I
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: Lazard Asset Management
LLC
0.88%*
0.00%
0.88%
39.29%
12.79%
9.94%
Equity
Nationwide Variable Insurance Trust -
NVIT International Index Fund: Class Y
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: BlackRock Investment
Management, LLC
0.32%
0.00%
0.32%
30.94%
8.68%
8.07%
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%
0.00%
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%
0.00%
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%
0.00%
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%*
0.00%
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%
0.00%
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%
0.00%
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%
0.00%
1.00%
17.38%
7.41%
8.61%
29
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
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%
0.00%
0.93%
11.68%
3.78%
5.12%
Fixed Income
Nationwide Variable Insurance Trust -
NVIT iShares® Fixed Income ETF Fund:
Class Y
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: BlackRock Investment
Management, LLC
0.22%*
0.00%
0.22%
6.88%
-0.46%
 
Equity
Nationwide Variable Insurance Trust -
NVIT iShares® Global Equity ETF Fund:
Class Y
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: BlackRock Investment
Management, LLC
0.25%*
0.00%
0.25%
18.57%
11.40%
 
Equity
Nationwide Variable Insurance Trust -
NVIT J.P. Morgan Digital Evolution
Strategy Fund: Class II
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: J.P. Morgan Investment
Management Inc.
0.96%*
0.00%
0.96%
32.66%
 
 
Equity
Nationwide Variable Insurance Trust -
NVIT J.P. Morgan Equity and Options
Total Return Fund: Class II
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: J.P. Morgan Investment
Management Inc.
1.04%
0.00%
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%*
0.00%
0.75%
 
 
 
Equity
Nationwide Variable Insurance Trust -
NVIT Jacobs Levy Large Cap Growth
Fund: Class I
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: Jacobs Levy Equity
Management, Inc.
0.70%*
0.00%
0.70%
14.20%
19.09%
18.02%
Fixed Income
Nationwide Variable Insurance Trust -
NVIT Loomis Core Bond Fund: Class Y
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: Loomis, Sayles & Company,
L.P.
0.43%
0.00%
0.43%
7.03%
-0.62%
2.23%
30
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
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%
0.00%
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%*
0.00%
0.87%
5.66%
3.26%
5.38%
Equity
Nationwide Variable Insurance Trust -
NVIT Mid Cap Index Fund: Class Y
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: BlackRock Investment
Management, LLC
0.26%
0.00%
0.26%
7.27%
8.87%
10.46%
Equity
Nationwide Variable Insurance Trust -
NVIT 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%*
0.00%
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%*
0.00%
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%*
0.00%
1.08%
34.95%
10.90%
7.45%
Equity
Nationwide Variable Insurance Trust -
NVIT Real Estate Fund: Class II
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: Wellington Management
Company LLP
1.17%*
0.00%
1.17%
0.33%
5.43%
5.75%
Equity
Nationwide Variable Insurance Trust -
NVIT S&P 500 Index Fund: Class Y
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: BlackRock Investment
Management, LLC
0.16%
0.00%
0.16%
17.70%
14.25%
14.64%
31
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Equity
Nationwide Variable Insurance Trust -
NVIT Small Cap Index Fund: Class Y
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: BlackRock Investment
Management, LLC
0.25%
0.00%
0.25%
12.54%
5.91%
9.46%
Equity
Nationwide Variable Insurance Trust -
NVIT Small Cap Value Fund: Class I
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: Jacobs Levy Equity
Management, Inc.
1.06%*
0.00%
1.06%
2.17%
8.01%
7.69%
Fixed Income
Nationwide Variable Insurance Trust -
NVIT Strategic Income Fund: Class I
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: Amundi Asset Management,
US
0.80%
0.00%
0.80%
7.56%
5.81%
5.45%
Equity
Nationwide Variable Insurance Trust -
NVIT Victory Mid Cap Value Fund: Class I
Investment Advisor: Nationwide Fund
Advisors
Sub-Advisor: Victory Capital Management
Inc.
0.85%*
0.00%
0.85%
2.39%
7.91%
7.66%
Equity
New Age Alpha Variable Funds Trust -
NAA Large Growth Series
Investment Advisor: New Age Alpha
Advisors, LLC
1.01%*
0.00%
1.01%
17.02%
13.89%
17.04%
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%
0.00%
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%*
0.00%
2.23%
14.19%
5.49%
6.67%
Real Assets
PIMCO Variable Insurance Trust -
CommodityRealReturn® Strategy
Portfolio: Administrative Class
Investment Advisor: PIMCO
3.19%*
0.00%
3.19%
18.79%
10.55%
6.54%
Fixed Income
PIMCO Variable Insurance Trust -
Dynamic Bond Portfolio: Administrative
Class
Investment Advisor: PIMCO
1.06%
0.00%
1.06%
8.11%
3.01%
3.55%
Fixed Income
PIMCO Variable Insurance Trust -
Emerging Markets Bond Portfolio:
Administrative Class
Investment Advisor: PIMCO
1.17%
0.00%
1.17%
14.98%
2.44%
5.06%
Fixed Income
PIMCO Variable Insurance Trust - High
Yield Portfolio: Administrative Class
Investment Advisor: PIMCO
0.81%
0.00%
0.81%
8.95%
3.97%
5.57%
32
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Fixed Income
PIMCO Variable Insurance Trust - Income
Portfolio: Administrative Class
Investment Advisor: PIMCO
0.92%
0.00%
0.92%
10.19%
3.41%
 
Fixed Income
PIMCO Variable Insurance Trust -
International Bond Portfolio (U.S. Dollar-
Hedged): Administrative Class
Investment Advisor: PIMCO
1.09%
0.00%
1.09%
3.95%
1.03%
2.88%
Fixed Income
PIMCO Variable Insurance Trust - Long-
Term U.S. Government Portfolio:
Administrative Class
Investment Advisor: PIMCO
2.48%
0.00%
2.48%
6.29%
-6.79%
0.02%
Fixed Income
PIMCO Variable Insurance Trust - Real
Return Portfolio: Administrative Class
Investment Advisor: PIMCO
1.39%
0.00%
1.39%
7.85%
1.21%
3.21%
Fixed Income
PIMCO Variable Insurance Trust - Short-
Term Portfolio: Administrative Class
Investment Advisor: PIMCO
0.65%
0.00%
0.65%
4.67%
3.25%
2.76%
Fixed Income
PIMCO Variable Insurance Trust - Total
Return Portfolio: Administrative Class
Investment Advisor: PIMCO
0.73%
0.00%
0.73%
8.89%
0.02%
2.36%
Allocation
Putnam Variable Trust - Putnam VT
George Putnam Balanced Fund: Class IB
Investment Advisor: Putnam Investment
Management, LLC
Sub-Advisor: Franklin Advisers, Inc.,
Franklin Templeton Investment Management
Limited
0.88%
0.00%
0.88%
13.95%
8.85%
10.17%
Equity
Putnam Variable Trust - Putnam VT
International Equity Fund: Class IB
Investment Advisor: Putnam Investment
Management, LLC
Sub-Advisor: Franklin Advisers, Inc.,
Franklin Templeton Investment Management
Limited, The Putnam Advisory Company,
LLC
1.06%
0.00%
1.06%
37.68%
9.28%
8.13%
Equity
Putnam Variable Trust - Putnam VT
Sustainable Leaders Fund: Class IB
Investment Advisor: Putnam Investment
Management, LLC
Sub-Advisor: Franklin Advisers, Inc.,
Franklin Templeton Investment Management
Limited
0.88%
0.00%
0.88%
10.69%
10.34%
14.69%
Equity
Rydex Variable Trust - Financial Services
Fund
Investment Advisor: Guggenheim
Investments
1.83%*
0.00%
1.83%
10.76%
11.31%
9.88%
Equity
Rydex Variable Trust -
Telecommunications Fund
Investment Advisor: Guggenheim
Investments
1.78%*
0.00%
1.78%
31.13%
5.45%
6.64%
Equity
T. Rowe Price Equity Series, Inc. - T.
Rowe Price Blue Chip Growth Portfolio: II
Investment Advisor: T. Rowe Price
Associates, Inc.
1.00%
0.00%
1.00%
18.43%
11.41%
15.25%
33
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Equity
T. Rowe Price Equity Series, Inc. - T.
Rowe Price Health Sciences Portfolio: II
Investment Advisor: T. Rowe Price
Associates, Inc.
1.11%
0.00%
1.11%
17.80%
3.86%
8.70%
Equity
VanEck VIP Trust - VanEck VIP Global
Gold Fund: Class S
Investment Advisor: Van Eck Associates
Corporation
1.45%*
0.00%
1.45%
164.43%
20.00%
20.88%
Equity
VanEck VIP Trust - VanEck VIP Global
Resources Fund: Class S
Investment Advisor: Van Eck Associates
Corporation
1.32%
0.00%
1.32%
36.17%
10.24%
8.06%
Allocation
Vanguard Variable Insurance Fund -
Balanced Portfolio
Investment Advisor: Wellington Management
Company, LLP
0.20%
0.35%
0.55%
16.46%
9.29%
10.03%
Equity
Vanguard Variable Insurance Fund -
Capital Growth Portfolio
Investment Advisor: PRIMECAP
Management Company
0.34%
0.35%
0.69%
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%
0.35%
0.63%
16.83%
13.24%
11.76%
Equity
Vanguard Variable Insurance Fund -
Equity Income Portfolio
Investment Advisor: Wellington Management
Company, LLP; Vanguard Group Inc.
(Quantitative Equity Group)
0.29%
0.35%
0.64%
16.80%
12.59%
11.52%
Equity
Vanguard Variable Insurance Fund -
Equity Index Portfolio
Investment Advisor: Vanguard Strategic
Equity Index Management
0.14%
0.35%
0.49%
17.70%
14.27%
14.66%
Fixed Income
Vanguard Variable Insurance Fund -
Global Bond Index Portfolio
Investment Advisor: The Vanguard Group
Inc. (Vanguard Fixed Income Group)
0.13%
0.35%
0.48%
5.69%
-0.41%
 
Equity
Vanguard Variable Insurance Fund -
Growth Portfolio
Investment Advisor: Wellington Management
Company, LLP
0.36%
0.35%
0.71%
16.89%
11.36%
15.58%
Fixed Income
Vanguard Variable Insurance Fund - High
Yield Bond Portfolio
Investment Advisor: Wellington Management
Company, LLP and Vanguard Group, Inc.
(Vanguard Fixed Income Group)
0.24%
0.35%
0.59%
9.18%
4.05%
5.62%
Equity
Vanguard Variable Insurance Fund -
International Portfolio
Investment Advisor: Baillie Gifford Overseas
Ltd.; Schroder Investment Management
North America, Inc.
0.32%
0.35%
0.67%
19.97%
0.62%
10.48%
Equity
Vanguard Variable Insurance Fund - Mid-
Cap Index Portfolio
Investment Advisor: Vanguard Strategic
Equity Index Management
0.17%
0.35%
0.52%
11.54%
8.46%
10.77%
34
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2025)
1
year
5
year
10
year
Equity
Vanguard Variable Insurance Fund - Real
Estate Index Portfolio
Investment Advisor: Vanguard Strategic
Equity Index Management
0.26%
0.35%
0.61%
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%
0.35%
0.49%
6.85%
2.23%
2.81%
Equity
Vanguard Variable Insurance Fund -
Small Company Growth Portfolio
Investment Advisor: ArrowMark Partners;
The Vanguard Group, Inc. (Vanguard
Quantitative Equity Group)
0.29%
0.35%
0.64%
6.11%
3.81%
9.61%
Fixed Income
Vanguard Variable Insurance Fund -
Total Bond Market Index Portfolio
Investment Advisor: The Vanguard Group
Inc. (Vanguard Fixed Income Group)
0.14%
0.35%
0.49%
6.94%
-0.51%
1.90%
Equity
Vanguard Variable Insurance Fund -
Total International Stock Market Index
Portfolio
Investment Advisor: Vanguard Strategic
Equity Index Management
0.09%
0.35%
0.44%
32.04%
7.88%
 
Equity
Vanguard Variable Insurance Fund -
Total Stock Market Index Portfolio
Investment Advisor: Vanguard Strategic
Equity Index Management
0.13%
0.35%
0.48%
16.93%
12.98%
14.10%
Equity
Victory Variable Insurance Funds II -
Victory Pioneer Fund VCT Portfolio:
Class II
Investment Advisor: Victory Capital
Management, Inc.
1.00%*
0.00%
1.00%
23.08%
14.69%
15.47%
*
This underlying mutual fund’s current expenses reflect a temporary fee reduction.
1
Reflects the current Low Cost Fund Fee. The maximum Low Cost Fund Fee applicable for any Sub-Account is 0.70%.
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
Nationwide
Lifetime
Income
Rider Plus
Core
Advisory
Nationwide
Lifetime
Income
Rider Plus
Accelerated
Advisory
Pro 4
Option
Nationwide Variable Insurance Trust - NVIT Blueprint® Aggressive Fund: Class II
 
X
X
Nationwide Variable Insurance Trust - NVIT Blueprint® Balanced Fund: Class II
X
X
X
35
Investment Option
Nationwide
Lifetime
Income
Rider Plus
Core
Advisory
Nationwide
Lifetime
Income
Rider Plus
Accelerated
Advisory
Pro 4
Option
Nationwide Variable Insurance Trust - NVIT Blueprint® Capital Appreciation Fund:
Class II
X
X
X
Nationwide Variable Insurance Trust - NVIT Blueprint® Conservative Fund: Class II
X
X
X
Nationwide Variable Insurance Trust - NVIT Blueprint® Moderate Fund: Class II
X
X
X
Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Aggressive Fund:
Class II
 
X
X
Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Conservative Fund:
Class II
X
X
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Aggressive Fund:
Class II
 
X
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Balanced Fund:
Class II
X
X
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Capital Appreciation
Fund: Class II
X
X
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Conservative Fund:
Class II
X
X
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderate Fund:
Class II
X
X
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately
Aggressive Fund: Class II
 
X
X
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately
Conservative Fund: Class II
X
X
X
Custom Choice Asset Rebalancing Service
X
X
X
Custom Choice Asset Rebalancing Service Investment Options
Contract Owners who elect to participate in the Custom Choice Asset Rebalancing Service are limited to only the investment options shown below. Allocations must meet the required minimum and maximum thresholds within each group. These tables disclose only the Sub-Accounts that currently comprise Groups A, B, and C, and the current allocation limitations. 
 
Nationwide Lifetime Income
Rider Plus Core Advisory
Nationwide Lifetime Income
Rider Plus Accelerated Advisory
Pro 4 Option
Group A
30% - 100%
0% - 100%
0% - 100%
Group B
0% - 70%
0% - 100%
0% - 100%
Group C
0% - 10%
0% - 10%
0% - 10%
Total
100%
100%
100%
The following table indicates the investment options (designated with an "X") that are available in each group: 
Underlying Mutual Fund
Group A
Group B
Group C
Alger Capital Appreciation Portfolio: Class I-2 Shares
 
X
 
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Discovery Value Portfolio:
Class A
 
X
 
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Large Cap Growth
Portfolio: Class B
 
X
 
36
Underlying Mutual Fund
Group A
Group B
Group C
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Relative Value Portfolio:
Class A
 
X
 
American Funds Insurance Series® - American Funds® Global Balanced Fund: Class 4
 
X
 
American Funds Insurance Series® - American High-Income Trust: Class 4
 
 
X
American Funds Insurance Series® - Asset Allocation Fund: Class 4
 
X
 
American Funds Insurance Series® - Capital Income Builder®: Class 4
 
 
X
American Funds Insurance Series® - Global Growth Fund: Class 4
 
X
 
American Funds Insurance Series® - Global Small Capitalization Fund: Class 4
 
X
 
American Funds Insurance Series® - Growth Fund: Class 4
 
X
 
American Funds Insurance Series® - Growth-Income Fund: Class 4
 
X
 
American Funds Insurance Series® - New World Fund®: Class 4
 
X
 
American Funds Insurance Series® - The Bond Fund of America: Class 4
X
 
 
American Funds Insurance Series® - U.S. Government Securities Fund: Class 4
X
 
 
American Funds Insurance Series® - Washington Mutual Investors Fund: Class 4
 
X
 
BlackRock Variable Series Funds II, Inc. - BlackRock High Yield V.I. Fund: Class III
 
 
X
BlackRock Variable Series Funds II, Inc. - BlackRock Total Return V.I. Fund: Class III
X
 
 
BlackRock Variable Series Funds, Inc. - BlackRock 60/40 Target Allocation ETF V.I. Fund:
Class III
 
X
 
Calvert Variable Series, Inc. - Calvert VP SRI Balanced Portfolio: Class F
 
X
 
Calvert Variable Trust, Inc. - CVT Nasdaq 100 Index Portfolio: Class F
 
X
 
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)
 
X
 
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)
 
X
 
Columbia Funds Variable Series Trust II - Columbia Variable Portfolio - High Yield Bond
Fund: Class 2
 
 
X
Columbia Funds Variable Series Trust II - Columbia Variable Portfolio - Select Mid Cap
Growth Fund: Class 2
 
X
 
Columbia Funds Variable Series Trust II - Columbia Variable Portfolio - Seligman Global
Technology: Class 2 (formerly, Columbia Funds Variable Insurance Trust II - Columbia
Variable Portfolio - Seligman Global Technology: Class 2)
 
 
X
Delaware VIP Trust - Nomura VIP Small Cap Value Series: Service Class
 
X
 
Deutsche DWS Variable Series II - DWS Alternative Asset Allocation VIP: Class B
 
X
 
DFA Investment Dimensions Group Inc. - Dimensional VA Equity Allocation Portfolio:
Institutional Class
 
X
 
DFA Investment Dimensions Group Inc. - Dimensional VA Global Bond Portfolio
X
 
 
DFA Investment Dimensions Group Inc. - Dimensional VA Global Moderate Allocation
Portfolio: Institutional Class
 
X
 
DFA Investment Dimensions Group Inc. - Dimensional VA International Small Portfolio
 
X
 
DFA Investment Dimensions Group Inc. - Dimensional VA International Value Portfolio
 
X
 
DFA Investment Dimensions Group Inc. - Dimensional VA Short-Term Fixed Portfolio
X
 
 
DFA Investment Dimensions Group Inc. - Dimensional VA U.S. Large Value Portfolio
 
X
 
DFA Investment Dimensions Group Inc. - Dimensional VA U.S. Targeted Value Portfolio
 
X
 
Fidelity Variable Insurance Products - Emerging Markets Portfolio: Service Class 2
 
 
X
Fidelity Variable Insurance Products Fund - VIP Balanced Portfolio: Service Class 2
 
X
 
37
Underlying Mutual Fund
Group A
Group B
Group C
Fidelity Variable Insurance Products Fund - VIP Contrafund® Portfolio: Service Class 2
 
X
 
Fidelity Variable Insurance Products Fund - VIP Energy Portfolio: Service Class 2
 
 
X
Fidelity Variable Insurance Products Fund - VIP Floating Rate High Income Portfolio: Initial
Class
X
 
 
Fidelity Variable Insurance Products Fund - VIP Growth & Income Portfolio: Service Class
2
 
X
 
Fidelity Variable Insurance Products Fund - VIP Growth Opportunities Portfolio: Service
Class 2
 
X
 
Fidelity Variable Insurance Products Fund - VIP Growth Portfolio: Service Class 2
 
X
 
Fidelity Variable Insurance Products Fund - VIP International Capital Appreciation
Portfolio: Service Class 2
 
X
 
Fidelity Variable Insurance Products Fund - VIP Investment Grade Bond Portfolio: Service
Class 2
X
 
 
Fidelity Variable Insurance Products Fund - VIP Strategic Income Portfolio: Service Class
2
X
 
 
Fidelity Variable Insurance Products Fund - VIP Value Strategies Portfolio: Service Class 2
 
X
 
First Eagle Variable Funds - Overseas Variable Fund
 
X
 
Goldman Sachs Variable Insurance Trust - Goldman Sachs Mid Cap Growth Fund: Service
Shares
 
X
 
Goldman Sachs Variable Insurance Trust - Goldman Sachs Small Cap Equity Insights
Fund: Service Shares
 
X
 
Guggenheim Variable Funds Trust - Series E (Total Return Bond Series)
X
 
 
Guggenheim Variable Funds Trust - Series F (Floating Rate Strategies Series)
X
 
 
Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series II
 
X
 
Janus Aspen Series - Janus Henderson Balanced Portfolio: Service Shares
 
X
 
Janus Aspen Series - Janus Henderson Enterprise Portfolio: Service Shares
 
X
 
Janus Aspen Series - Janus Henderson Flexible Bond Portfolio: Service Shares
X
 
 
Janus Aspen Series - Janus Henderson Global Research Portfolio: Service Shares
 
X
 
Janus Aspen Series - Janus Henderson Global Sustainable Equity Portfolio: Institutional
Shares
 
 
X
Janus Aspen Series - Janus Henderson Global Technology and Innovation Portfolio:
Service Shares
 
X
 
Janus Aspen Series - Janus Henderson Overseas Portfolio: Service Shares
 
 
X
John Hancock Variable Insurance Trust - Disciplined Value Emerging Markets Equity Trust:
Series NAV
 
 
X
Legg Mason Partners Variable Equity Trust - ClearBridge Variable Large Cap Growth
Portfolio: Class I
 
X
 
Legg Mason Partners Variable Equity Trust - ClearBridge Variable Small Cap Growth
Portfolio: Class II
 
X
 
Lord Abbett Series Fund, Inc. - Bond Debenture Portfolio: Class VC
X
 
 
Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class VC
X
 
 
MFS® Variable Insurance Trust - MFS Growth Series: Service Class
 
X
 
MFS® Variable Insurance Trust - MFS New Discovery Series: Service Class
 
X
 
MFS® Variable Insurance Trust - MFS Value Series: Service Class
 
X
 
MFS® Variable Insurance Trust II - MFS International Growth Portfolio: Service Class
 
X
 
MFS® Variable Insurance Trust II - MFS Research International Portfolio: Service Class
 
X
 
MFS® Variable Insurance Trust III - MFS Mid Cap Value Portfolio: Service Class
 
X
 
38
Underlying Mutual Fund
Group A
Group B
Group C
Nationwide Variable Insurance Trust - NVIT Allspring Discovery Fund: Class II
 
 
X
Nationwide Variable Insurance Trust - NVIT BlackRock Equity Dividend Fund: Class I
 
X
 
Nationwide Variable Insurance Trust - NVIT BlackRock Managed Global Allocation Fund:
Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Blueprint® Aggressive Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Blueprint® Balanced Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Blueprint® Capital Appreciation Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Blueprint® Conservative Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Blueprint® Moderate Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Aggressive Fund: Class
II
 
X
 
Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Conservative Fund:
Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Bond Index Fund: Class Y
X
 
 
Nationwide Variable Insurance Trust - NVIT DoubleLine Total Return Tactical Fund: Class
Y
X
 
 
Nationwide Variable Insurance Trust - NVIT Fidelity Institutional AM® Emerging Markets
Fund: Class II
 
 
X
Nationwide Variable Insurance Trust - NVIT Fidelity Institutional AM® Worldwide Fund:
Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Government Money Market Fund: Class I
X
 
 
Nationwide Variable Insurance Trust - NVIT International Index Fund: Class Y
 
X
 
Nationwide Variable Insurance Trust - NVIT Invesco Small Cap Growth Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Investor Destinations Aggressive Fund: Class
II
 
X
 
Nationwide Variable Insurance Trust - NVIT Investor Destinations Balanced Fund: Class II
 
X
 
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
 
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderate Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Aggressive
Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Conservative
Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT iShares® Fixed Income ETF Fund: Class Y
X
 
 
Nationwide Variable Insurance Trust - NVIT iShares® Global Equity ETF Fund: Class Y
 
X
 
Nationwide Variable Insurance Trust - NVIT J.P. Morgan Digital Evolution Strategy 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 J.P. Morgan Inflation Managed Fund: Class II
 
 
X
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap Core Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap Growth Fund: Class I
 
X
 
Nationwide Variable Insurance Trust - NVIT Loomis Core Bond Fund: Class Y
X
 
 
Nationwide Variable Insurance Trust - NVIT Loomis Short Term Bond Fund: Class II
X
 
 
Nationwide Variable Insurance Trust - NVIT Loomis Short Term High Yield Fund: Class I
 
X
 
39
Underlying Mutual Fund
Group A
Group B
Group C
Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund: Class Y
 
X
 
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small Company Fund: Class I
 
X
 
Nationwide Variable Insurance Trust - NVIT NASDAQ-100 Index Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Putnam International Value Fund: Class Z
 
X
 
Nationwide Variable Insurance Trust - NVIT Real Estate Fund: Class II
 
 
X
Nationwide Variable Insurance Trust - NVIT S&P 500 Index Fund: Class Y
 
X
 
Nationwide Variable Insurance Trust - NVIT Small Cap Index Fund: Class Y
 
X
 
Nationwide Variable Insurance Trust - NVIT Small Cap Value Fund: Class I
 
X
 
Nationwide Variable Insurance Trust - NVIT Strategic Income Fund: Class I
X
 
 
Nationwide Variable Insurance Trust - NVIT Victory Mid Cap Value Fund: Class I
 
X
 
New Age Alpha Variable Funds Trust - NAA Large Growth Series
 
X
 
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)
 
X
 
PIMCO Variable Insurance Trust - All Asset Portfolio: Advisor Class
 
 
X
PIMCO Variable Insurance Trust - CommodityRealReturn® Strategy Portfolio:
Administrative Class
 
 
X
PIMCO Variable Insurance Trust - Dynamic Bond Portfolio: Administrative Class
X
 
 
PIMCO Variable Insurance Trust - Emerging Markets Bond Portfolio: Administrative Class
 
 
X
PIMCO Variable Insurance Trust - High Yield Portfolio: Administrative Class
 
 
X
PIMCO Variable Insurance Trust - Income Portfolio: Administrative Class
X
 
 
PIMCO Variable Insurance Trust - International Bond Portfolio (U.S. Dollar-Hedged):
Administrative Class
 
 
X
PIMCO Variable Insurance Trust - Long-Term U.S. Government Portfolio: Administrative
Class
X
 
 
PIMCO Variable Insurance Trust - Real Return Portfolio: Administrative Class
 
 
X
PIMCO Variable Insurance Trust - Short-Term Portfolio: Administrative Class
X
 
 
PIMCO Variable Insurance Trust - Total Return Portfolio: Administrative Class
X
 
 
Putnam Variable Trust - Putnam VT George Putnam Balanced Fund: Class IB
 
X
 
Putnam Variable Trust - Putnam VT International Equity Fund: Class IB
 
X
 
Putnam Variable Trust - Putnam VT Sustainable Leaders Fund: Class IB
 
X
 
Rydex Variable Trust - Financial Services Fund
 
 
X
Rydex Variable Trust - Telecommunications Fund
 
 
X
T. Rowe Price Equity Series, Inc. - T. Rowe Price Blue Chip Growth Portfolio: II
 
X
 
T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences Portfolio: II
 
 
X
T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap Growth Portfolio: II
 
 
X
VanEck VIP Trust - VanEck VIP Global Gold Fund: Class S
 
 
X
VanEck VIP Trust - VanEck VIP Global Resources Fund: Class S
 
 
X
Vanguard Variable Insurance Fund - Balanced Portfolio
 
 
X
Vanguard Variable Insurance Fund - Capital Growth Portfolio
 
X
 
Vanguard Variable Insurance Fund - Diversified Value Portfolio
 
X
 
Vanguard Variable Insurance Fund - Equity Income Portfolio
 
X
 
Vanguard Variable Insurance Fund - Equity Index Portfolio
 
X
 
Vanguard Variable Insurance Fund - Global Bond Index Portfolio
 
 
X
Vanguard Variable Insurance Fund - Growth Portfolio
 
X
 
40
Underlying Mutual Fund
Group A
Group B
Group C
Vanguard Variable Insurance Fund - High Yield Bond Portfolio
 
 
X
Vanguard Variable Insurance Fund - International Portfolio
 
X
 
Vanguard Variable Insurance Fund - Mid-Cap Index Portfolio
 
X
 
Vanguard Variable Insurance Fund - Real Estate Index Portfolio
 
 
X
Vanguard Variable Insurance Fund - Short-Term Investment-Grade Portfolio
X
 
 
Vanguard Variable Insurance Fund - Small Company Growth Portfolio
 
X
 
Vanguard Variable Insurance Fund - Total Bond Market Index Portfolio
X
 
 
Vanguard Variable Insurance Fund - Total International Stock Market Index Portfolio
 
X
 
Vanguard Variable Insurance Fund - Total Stock Market Index Portfolio
 
X
 
Victory Variable Insurance Funds II - Victory Pioneer Fund VCT Portfolio: Class II
 
X
 
41
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/C000206996NW/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: C000206996

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