Form 497VPI NATIONWIDE VARIABLE ACCO

April 27, 2026 1:09 PM EDT
Nationwide DestinationSM Navigator New York 2.0
Individual Flexible Premium Deferred Variable Annuity Contracts
Issued by
Nationwide Life Insurance Company
through its
Nationwide Variable Account-II
Summary Prospectus for New Investors
May 1, 2026
The contracts described in this prospectus are only available in the state of New York.
This summary prospectus summarizes key features of the contract.
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/C000109801NW/index.php?ctype=product_prospectus. You can also obtain this information at no cost by calling 1-800-848-6331 or by sending an email request to [email protected].
Variable annuities are complex investment products and involve risks, including the potential loss of principal. The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals under the contract could result in Contingent Deferred Sales Charges, taxes, and tax penalties.
This prospectus utilizes Rate Sheet Supplements to disclose current rates for certain optional benefits available under the contract. The most current Rate Sheet Supplement must be used in conjunction with the prospectus.
Under state insurance laws, Contract Owners have the right, during a limited period of time, to examine their contract and decide if they want to keep it or cancel it. This right is referred to as a "free look" right. The free look period is 10 days, unless the contract is purchased as a replacement for another annuity contract, in which case it is 60 days. 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. Nationwide will also honor any free look cancellation for replacement annuity contracts that are received at the Service Center or postmarked within 60 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, Nationwide will return the Contract Value, less any Purchase Payment Credits, 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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Glossary of Special Terms 
Accumulation Unit – An accounting unit of measure used to calculate the Contract Value allocated to the Variable
Account before the Annuitization Date.
Annuitant – The person(s) whose length of life determines how long annuity payments are paid. The Annuitant must
be living on the date the contract is issued.
Annuitization Date – The date on which annuity payments begin.
Charitable Remainder Trust – A trust meeting the requirements of Section 664 of the Internal Revenue Code.
Co-Annuitant – The person designated by the Contract Owner to receive the benefit associated with the Spousal
Protection Feature.
Contract Anniversary – Each recurring one-year anniversary of the date the contract was issued.
Contract Owner(s) – The person(s) who owns all rights under the contract.
Contract Value – The value of all Accumulation Units in a contract plus any amount held in the Fixed Account.
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 Empire, it is equal to the
Original Income Benefit Base adjusted throughout the life of the contract to account for subsequent purchase
payments, excess withdrawals, early withdrawals (if applicable), reset opportunities, and if elected, the Non-Lifetime
Withdrawal. This amount is multiplied by the Lifetime Withdrawal Percentage to arrive at the Lifetime Withdrawal
Amount.
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.
Fixed Account – An investment option that is funded by Nationwide's General Account. Amounts allocated to the
Fixed Account will receive periodic interest subject to a guaranteed minimum crediting rate.
General Account – All assets of Nationwide other than those of the Variable Account or in other separate accounts of
Nationwide.
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 Empire, 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 Empire, the maximum
amount that can be withdrawn during a calendar year without reducing the Current Income Benefit Base. It is
calculated annually, on each January 1, by multiplying the Current Income Benefit Base by the applicable Lifetime
Withdrawal Percentage.
Lifetime Withdrawal Percentage – An age-based percentage used to determine the Lifetime Withdrawal Amount
under the Nationwide Lifetime Income Rider Plus Empire. The applicable percentage is multiplied by the Current
Income Benefit Base to arrive at the Lifetime Withdrawal Amount for any given year. 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 Empire, a one-time only
election to take a withdrawal from the contract that will not initiate the benefit under the option.
Non-Qualified Contract – A contract which does not qualify for favorable tax treatment as a Qualified Plan, IRA, Roth
IRA, SEP IRA, Simple IRA, or Tax Sheltered Annuity.
Original Income Benefit Base – For purposes of the Nationwide Lifetime Income Rider Plus Empire, the initial benefit
base calculated on the date the option is elected, which is equal to the Contract Value.
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Purchase Payment Credits or PPCs – Additional credits that Nationwide will apply to a contract when cumulative
purchase payments reach certain aggregate levels.
Rate Sheet Supplement – Supplements to the prospectus that we file periodically with the SEC to provide for and
modify certain rates that are associated with various optional benefits available under the contract. The Rate Sheet
Supplements disclose the Roll-up Interest Rates, Roll-up Crediting Periods, Lifetime Withdrawal Percentages, and
Interest Anniversary Rate that are currently available for new contracts.
Roll-up Crediting Period – For purposes of the Nationwide Lifetime Income Rider Plus Empire, beginning with the
date the contract is issued, the Roll-up Crediting Period is the maximum period of time that the Roll-up Interest Rate
will apply for. The Rate Sheet Supplement discloses the Roll-up Crediting Periods that are currently available for new
contracts.
Roll-up Interest Rate – For purposes of the Nationwide Lifetime Income Rider Plus Empire, 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 Rates that are 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.
SEP IRA – An annuity contract which qualifies for favorable tax treatment under Section 408(k) of the Internal
Revenue Code.
Service Center – The department of Nationwide responsible for receiving all service and transaction requests relating
to the contract. For service and transaction requests submitted other than by telephone (including fax requests), the
Service Center is Nationwide's mail and document processing facility. For service and transaction requests
communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to
contact the Service Center is in the Contacting the Service Center provision in the statutory prospectus.
Simple IRA – An annuity contract which qualifies for favorable tax treatment under Section 408(p) of the Internal
Revenue Code.
Sub-Accounts – Divisions of the Variable Account, each of which invests in a single underlying mutual fund.
Tax Sheltered Annuity – An annuity that qualifies for favorable tax treatment under Section 403(b) of the Internal
Revenue Code.
Valuation Date – Each day the New York Stock Exchange is open for business or any other day during which there is
a sufficient degree of trading such that the current Net Asset Value of the underlying mutual fund shares might be
materially affected. Values of the Variable Account are determined as of the close of regular trading on the New
York Stock Exchange, which generally closes at 4:00 p.m. EST.
Valuation Period – The period of time commencing at the close of a Valuation Date and ending at the close of
regular trading on the New York Stock Exchange for the next succeeding Valuation Date.
Variable Account – Nationwide Variable Account-II, a separate account that Nationwide established to hold Contract
Owner assets allocated to variable investment options. The Variable Account is divided into Sub-Accounts, each of
which invests in a separate underlying mutual fund.
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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.
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, and a Fixed Account, which offers a fixed rate of return. Additional information about the underlying mutual funds is available in Appendix: Investment Options Available Under the Contract.
During the annuitization phase, Nationwide makes periodic income payments to the Annuitant. At the time of annuitization, the Contract Owner elects the duration of the annuity payments – either for a fixed period of time or for the duration of the Annuitant’s (and possibly the Annuitant’s spouse’s) life. The Contract Owner also elects whether the annuity payments will be fixed or variable. If variable annuity payments are elected, the Annuitant controls the allocation/reallocation of annuitized assets among the available Sub-Accounts. After annuitization begins, the only value associated with the contract is the stream of annuity payments; unless otherwise specified in the annuity option, amounts cannot be withdrawn from the contract over and above the annuity payments. Additionally, once annuitization has begun, there is no death benefit, which means that upon the death of the Annuitant (and the Annuitant’s spouse if a joint annuity option was elected), all payments stop and the contract terminates, unless the particular annuitization option provides otherwise. Any living benefit option, if elected, will also terminate upon annuitization.
Contract Features
Investment Options. Contract Owners can allocate Contract Value to Sub-Accounts that invest in underlying mutual funds, and/or the Fixed Account. Contract Owners can reallocate those assets at their discretion, subject to certain restrictions.
Deposits to the Contract. Contract Owners can apply additional purchase payments to the contract until the Annuitization Date, subject to certain restrictions.
Withdrawals from the Contract. Contract Owners can withdraw some or all of their Contract Value at any time prior to annuitization, subject to certain restrictions. A CDSC may apply. After annuitization, withdrawals other than annuity payments are not permitted.
Purchase Payment Credits. The contract offers Purchase Payment Credits, which are additional credits that Nationwide will apply to a contract when cumulative purchase payments reach certain aggregate levels.
Death Benefit. During the accumulation phase, the contract contains a standard death benefit (the greater of (i) Contract Value or (ii) net purchase payments) at no additional charge.
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Optional Death Benefit. A death benefit option is available for an additional charge, which may provide a greater death benefit than the standard death benefit. The optional death benefit is:
•
One-Year Enhanced Death Benefit Option
Spousal Protection. The standard death benefit and all of the death benefit options contain the Spousal Protection Feature, which allows a surviving spouse to continue the contract while receiving the economic benefit of the death benefit upon the death of the other spouse, subject to certain conditions.
Terminal Illness Surrender Benefit. The contract offers an Enhanced Surrender Value for Terminal Illness feature at no additional charge. Under this feature, if after the first Contract Anniversary, the Contract Owner/Annuitant (or Co-Annuitant, if applicable) is terminally ill and the Contract Owner fully surrenders the Contract, Nationwide will pay the Contract Value plus any additional amount necessary to equal the standard death benefit or, if elected, an optional death benefit, subject to certain conditions.
Living Benefit Options. Several living benefit options are available for an additional charge, which provide a guaranteed lifetime income stream for the Contract Owner and, if elected, the Contract Owner's spouse. Those options are:
•
Nationwide Lifetime Income Rider Plus Empire
•
Joint Option for the Nationwide Lifetime Income Rider Plus Empire
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 B: Contract Types and Tax Information in the statutory prospectus).
Cancellation of the Contract. Under state insurance laws, Contract Owners have the right, during a limited period of time, to examine their contract and decide if they want to keep it or cancel it. Nationwide will honor any free look cancellation request that is in good order and received at the Service Center or postmarked within 30 days after the contract issue date (see Right to Examine and Cancel and Contacting the Service Center in the statutory prospectus).
Contract Owner Services. The contract offers several services at no additional charge to assist Contract Owners in managing their contract, including:
•
Asset Rebalancing
•
Dollar Cost Averaging
•
Enhanced Fixed Account Dollar Cost Averaging
•
Dollar Cost Averaging for Living Benefits
•
Fixed Account Interest Out Dollar Cost Averaging
•
Systematic Withdrawals
•
Custom Choice Asset Rebalancing Service
•
Static Asset Allocation Model
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Important Information You Should Consider About the Contract 
FEES, EXPENSES, AND ADJUSTMENTS
(see Additional Information About Fees later in this summary prospectus and Charges and Adjustments in the statutory
prospectus)
Are There Charges or
Adjustments for Early
Withdrawals?
Yes. If the Contract Owner withdraws money from the contract within 7 years following
his/her last purchase payment, a Contingent Deferred Sales Charge (or "CDSC") may
apply (see Contingent Deferred Sales Charge in the statutory prospectus). The CDSC will
not exceed 7% of the amount of purchase payments withdrawn, declining to 0% over 7
years.
For example, for a contract with a $100,000 investment, a withdrawal taken during the
CDSC period could result in a CDSC of up to $7,000. This loss will be greater if there are
taxes or tax penalties.
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.
Annual Fee
Minimum
Maximum
Base Contract
1.30%1
1.33%1
Underlying mutual fund fees and expenses
0.41%2
2.32%2
Optional benefits available for an additional
charge (for a single optional benefit, if elected)
0.20%3
1.60%3
1 As a percentage of Daily Net Assets, plus a percentage attributable to the Contract
Maintenance Charge.
2 As a percentage of underlying mutual fund net assets.
3 As a percentage of Daily Net Assets or Current Income Benefit Base, depending on the
optional benefit(s) elected.
Because each contract is customizable, the options elected affect how much each
Contract Owner will pay. To help you understand the cost of owning the contract, the
following table shows the lowest and highest cost a Contract Owner could pay each year,
based on current charges. This estimate assumes that no withdrawals are taken from the
contract, which could add a CDSC that substantially increases costs.
Lowest Annual Cost Estimate:
$1,584.24
Highest Annual Cost Estimate:
$4,817.95
Assumes:
● Investment of $100,000
● 5% annual appreciation
● Least expensive underlying mutual fund fees
and expenses
● No optional benefits
● No CDSC
● No additional purchase payments, transfers or
withdrawals
Assumes:
● Investment of $100,000
● 5% annual appreciation
● Most expensive combination of
optional benefits and underlying
mutual fund fees and expenses
● No CDSC
● No additional purchase payments,
transfers or withdrawals
 
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).
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RISKS
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).
 
A CDSC may apply for up to 7 years following the last purchase payment and could reduce
the value of the contract if purchase payments are withdrawn during that time (see
Contingent Deferred Sales Charge in the statutory prospectus). 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).
 
For amounts allocated to the Fixed Account at the end of an interest rate guarantee
period, such amounts will be reallocated among the contract's available investment options
in accordance with the Contract Owner’s reallocation instructions, subject to any applicable
limitations. In the absence of instructions, such amounts will remain invested in the Fixed
Account for another interest rate guarantee period at the applicable Renewal Rate (see
The Fixed Account and Transfers Prior to Annuitization in the statutory prospectus).
What Are the Risks
Associated with the
Investment Options?
● Investment in this contract is subject to the risk of poor investment performance.
Investment experience can vary depending on the investment options selected by the
Contract Owner.
● Each investment option (including the Fixed Account) 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 (including interest payable for allocations to the Fixed Account),
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).
● Allocations to the Fixed Account may not be transferred to another investment option
except at the end of a Fixed Account interest rate guarantee period (see The Fixed
Account 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).
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RESTRICTIONS
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.
● 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 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 B: Contract Types and Tax Information in the statutory prospectus.
CONFLICTS OF INTEREST
How Are Investment
Professionals
Compensated?
Some financial professionals receive compensation for selling the contract. Compensation
can take the form of commissions and other 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).
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Standard Benefits Table 
Name of Benefit
Purpose
Maximum
Fee
Brief Description of Restrictions/Limitations
Purchase Payment
Credits
Additional credits on
aggregate purchase
payment amounts
None
● Requires notification to Nationwide of assets
outside the contract
● Subject to recapture in certain circumstances
Standard Death Benefit
Death benefit upon
death of Annuitant prior
to Annuitization
None
● Nationwide may limit purchase payments to
$1,000,000
● Death benefit calculation is adjusted if purchase
payments exceed $3,000,000
Spousal Protection
Feature
Second death benefit
None
● Not applicable to Charitable Remainder Trusts
● One or both spouses (or a revocable trust of which
either or both of the spouses is/are grantor(s)) must
be named as the Contract Owner
● For contracts issued as an IRA or Roth IRA, only
the person for whom the IRA or Roth IRA was
established may be named as the Contract Owner
● Only available to Contract Owner’s spouse
● Spouses must be Co-Annuitants
● Both spouses must be 85 or younger at contract
issuance
● Spouses must be named as beneficiaries
● No other person may be named as Contract Owner,
Annuitant, or primary beneficiary
● If the Contract Owner requests to add a Co-
Annuitant after contract issuance, the date of
marriage must be after the contract issue date and
Nationwide will require the Contract Owner to
provide a copy of the marriage certificate
Asset Rebalancing (see
Contract Owner
Services in the statutory
prospectus)
Automatic reallocation
of assets on a
predetermined
percentage basis
None
● Assets in the Fixed Account are excluded from the
program
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 the Fixed Account
and a limited number of Sub-Accounts
● Transfers may not be directed to the Fixed Account
● Transfers from the Fixed Account must be equal to
or less than 1/30th of the Fixed Account value at
the time the program is requested
Enhanced Fixed
Account Dollar Cost
Averaging (see Contract
Owner Services in the
statutory prospectus)
Long-term transfer
program involving
automatic transfer of
Fixed Account
allocations with higher
interest crediting rate
None
● Transfers are only permitted from the Fixed Account
● Only new purchase payments to the contract are
eligible for the program
● Transfers may not be directed to the Fixed Account
Dollar Cost Averaging
for Living Benefits (see
Contract Owner
Services in the statutory
prospectus)
Long-term transfer
program involving
automatic transfer of
assets
None
● Only available for contracts that elect a living
benefit
● Transfers are only permitted from the Fixed Account
● Only new purchase payments to the contract are
eligible for the program
● Only those investment options available with the
elected living benefit are eligible for the program
● Once elected, no transfers among or between Sub-
Accounts are permitted until the program is
completed or terminated
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Name of Benefit
Purpose
Maximum
Fee
Brief Description of Restrictions/Limitations
Fixed Account Interest
Out Dollar Cost
Averaging (see Contract
Owner Services in the
statutory prospectus)
Automatic transfer of
interest earned on Fixed
Account allocations
None
● Transfers may not be directed to the Fixed Account
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 Nationwide
Lifetime Income Rider Plus Empire
● During the program, cannot participate in other
asset allocation or asset rebalancing programs
● Allocation limitations exist based on asset class
Static Asset Allocation
Model (see Contract
Owner Services in the
statutory prospectus)
Preset asset allocation
models with periodic
rebalancing
None
● Only available for contracts that elect a living
benefit
● Availability may be restricted based on the living
benefit elected
● The entire Contract Value must be allocated to the
elected model
Optional Benefits Table 
Name of Benefit
Purpose
Maximum
Fee
Current Fee
Brief Description of
Restrictions/Limitations
One-Year Enhanced
Death Benefit Option
Enhanced death benefit
0.20% (Daily
Net Assets)
0.20% (Daily
Net Assets)
● Annuitant must be 80 or younger at
application
● Must be elected at application
● Election is irrevocable
● Nationwide may limit purchase
payments to $1,000,000
● Death benefit calculation is adjusted
if purchase payments exceed
$3,000,000
Nationwide Lifetime
Income Rider Plus
Empire
Guaranteed lifetime
income stream
1.60%
(Current
Income
Benefit
Base)
1.45%
(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
● Determining life must be between 50
and 85 at application
● Determining life cannot be changed
● Restrictions exist on the parties
named to the contract
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Name of Benefit
Purpose
Maximum
Fee
Current Fee
Brief Description of
Restrictions/Limitations
Joint Option for the
Nationwide Lifetime
Income Rider Plus
Empire
Extension of
guaranteed lifetime
income stream for
spouse
0.30%
(Current
Income
Benefit
Base)
0.15%
(Current
Income
Benefit
Base)
● Only available if the Nationwide
Lifetime Income Rider Plus Empire
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 50
and 85 at application
● Restrictions exist on the parties
named to the contract
● Current charge could change
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 $10,000. A Contract Owner will meet the minimum initial purchase payment requirement if purchase payments equal to the required minimum are made over the course of the first Contract Year. The minimum subsequent purchase payment is $1,000. However, for subsequent purchase payments sent via electronic deposit, the minimum subsequent purchase payment is $150.
Some optional benefits may restrict the Contract Owner's ability to make subsequent purchase payments.
Credits applied to the contract cannot be used to meet the minimum purchase payment requirements.
Nationwide reserves the right to refuse any purchase payment that would result in the cumulative total for all contracts issued by Nationwide or its affiliates or subsidiaries on the life of any one Annuitant or owned by any one Contract Owner to exceed $1,000,000. Its decision as to whether or not to accept a purchase payment in excess of that amount will be based on one or more factors, including, but not limited to: age, spouse age (if applicable), Annuitant age, state of issue, total purchase payments, optional benefits elected, current market conditions, and current hedging costs. All such decisions will be based on internally established actuarial guidelines and will be applied in a non-discriminatory manner. In the event that Nationwide does not accept a purchase payment under these guidelines, the purchase payment will be immediately returned in its entirety in the same manner as it was received. If Nationwide accepts the purchase payment, it will be applied to the contract immediately and will receive the next calculated Accumulation Unit value. Any references in this prospectus to purchase payment amounts in excess of $1,000,000 are assumed to have been approved by Nationwide.
Nationwide prohibits subsequent purchase payments made after death of the Contract Owner(s), the Annuitant, or Co-Annuitant. If upon notification of death of the Contract Owner(s), the Annuitant, or Co-Annuitant, it is determined that death occurred prior to a subsequent purchase payment being made, Nationwide reserves the right to return the purchase payment.
Dollar Limit Restrictions
Certain features of the contract have additional purchase payment and/or Contract Value limitations associated with them:
Annuitization. Annuity payment options will be limited if the Contract Owner submits total purchase payments in excess of $2,000,000. Furthermore, if the amount to be annuitized is greater than $5,000,000, Nationwide may limit both the amount that can be annuitized on a single life and the annuity payment options (see Annuity Payment Options in the statutory prospectus).
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).
12
Subsequent Purchase Payments. If the Contract Owner elects the Nationwide Lifetime Income Rider Plus Empire, 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 B: Contract Types and Tax Information in the statutory prospectus). Withdrawal requests may be submitted in writing or by telephone to the Service Center and Nationwide may require additional information. Requests submitted by telephone may be subject to dollar amount limitations and may be subject to payment and other restrictions to prevent fraud. Nationwide reserves the right to require written requests to be submitted on current Nationwide forms for withdrawals. Nationwide reserves the right to remove the ability to submit requests by telephone upon written notice. Contact the Service Center for current limitations and restrictions. When taking a full surrender, Nationwide may require that the contract accompany the request. Nationwide may require a signature guarantee. Withdrawals are subject to the CDSC provisions of the contract.
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.
Nationwide is required by state law to reserve the right to postpone payment or transfer of assets from the Fixed Account for a period of up to six months from the date of the withdrawal or transfer request.
Surrender/Withdrawal After Annuitization
After the Annuitization Date, withdrawals other than regularly scheduled annuity payments are not permitted.
13
Additional Information About Fees
The following tables describe the fees, expenses, 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 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.  
Transaction Expenses
Maximum Contingent Deferred Sales Charge ("CDSC") (as a percentage of purchase payments withdrawn)
7%
Range of CDSC over time: 
Number of Completed Years from Date of
Purchase Payment
0
1
2
3
4
5
6
7+
CDSC Percentage
7%
7%
6%
5%
4%
3%
2%
0%
 
The next table describes the fees and expenses that a Contract Owner will pay each year during the time that the Contract Owner owns the contract (not including underlying mutual fund fees and expenses). If an optional benefit is elected, an additional charge will be assessed, as shown below.  
Annual Contract Expenses
Maximum Administrative Expense1
$30
Base Contract Expenses2(assessed as an annualized percentage of Daily Net Assets)
1.30%
Optional Benefit Expenses3
 
One-Year Enhanced Death Benefit Option Charge (assessed as an annualized percentage of Daily Net Assets)
0.20%
Living Benefit Options4 (assessed annually as a percentage of the Current Income Benefit Base5)
 
Maximum Nationwide Lifetime Income Rider Plus Empire Charge
1.60%6
Maximum Joint Option for the Nationwide Lifetime Income Rider Plus Empire Charge (this is in addition to the
charge for the Nationwide Lifetime Income Rider Plus Empire option)
0.30%7
 
1
Throughout the statutory prospectus, the Administrative Expense will be referred to as the Contract Maintenance Charge. On each contract's Contract Anniversary, Nationwide deducts the Contract Maintenance Charge if the Contract Value is less than $50,000 on such Contract Anniversary. This charge is permanently waived on a going-forward basis for any contracts valued at $50,000 or more on any Contract Anniversary.
2
Throughout the statutory prospectus, the Base Contract Expenses will be referred to as Mortality and Expense Risk Charge and Administrative Charge, as appropriate.
3
Unless otherwise indicated, charges for optional benefits are only assessed prior to the Annuitization Date (see Charges and Deductions in the statutory prospectus).
4
Only one living benefit option (and its corresponding joint option) may be elected.
5
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.
6
Currently, the charge associated with the Nationwide Lifetime Income Rider Plus Empire is equal to 1.45% of the Current Income Benefit Base.
7
Currently, the charge associated with the Joint Option for the Nationwide Lifetime Income Rider Plus Empire is equal to 0.15% of the Current Income Benefit Base.
14
The next item shows the minimum and maximum total operating expenses charged by the underlying mutual funds that the Contract Owner may pay periodically during the life of the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of the underlying mutual funds available under the contract, including their annual expenses, may be found in Appendix: Investment Options Available Under the Contract.  
Annual Underlying Mutual Fund Expenses
 
Minimum
Maximum
(Expenses that are deducted from underlying mutual fund assets, including
management fees, distribution and/or service (12b-1) fees, and other expenses, as a
percentage of average underlying mutual fund net assets.)
0.41%
2.32%
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 underlying mutual fund expenses. This Example assumes all Contract Value is allocated to the Sub-Accounts. Costs could differ from those shown below if Contract Value is allocated to the Fixed Account.
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;
•
the maximum Contingent Deferred Sales Charge under the standard 7 year CDSC schedule; and
•
Variable Account charges that reflect the most expensive combination of optional benefits available for an additional charge (3.40%).1 Specifically:
•
One-Year Enhanced Death Benefit Option,
•
Nationwide Lifetime Income Rider Plus Empire, and
•
Joint Option for the Nationwide Lifetime Income Rider Plus Empire.
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
(2.32%)
$13,038
$22,925
$32,568
$57,633
*
$17,925
$29,568
$57,633
$6,038
$17,925
$29,568
$57,633
Minimum
Annual
Underlying
Mutual Fund
Expenses
(0.41%)
$11,032
$17,213
$23,554
$42,122
*
$12,213
$20,554
$42,122
$4,032
$12,213
$20,554
$42,122
*
The contracts sold under this prospectus do not permit annuitization during the first two Contract Years.
1
The total Variable Account charges associated with the most expensive allowable combination of optional benefits may be higher or lower depending on whether the Current Income Benefit Base is higher or lower than the Daily Net Assets. For purposes of this table, Nationwide assumes the Current Income Benefit Base is equal to the Daily Net Assets.
15
Appendix: Investment Options Available Under the Contract
Underlying Mutual Funds
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/C000109801NW/index.php. This information can also be obtained at no cost by calling 1-800-848-6331 or by sending an email request to [email protected]. Depending on the optional benefits chosen, access to certain underlying mutual funds may be limited. The availability of investment options may vary depending on the broker-dealer through which the contract is sold (see Appendix 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. Expenses would be higher and performance would be lower if these other charges were included. Each underlying mutual fund’s past performance is not necessarily an indication of future performance. 
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Equity
AllianceBernstein Variable Products Series Fund, Inc. - AB
VPS Discovery Value Portfolio: Class B
Investment Advisor: AllianceBernstein L.P.
1.07%
2.64%
8.48%
8.27%
Equity
AllianceBernstein Variable Products Series Fund, Inc. - AB
VPS Large Cap Growth Portfolio: Class B
Investment Advisor: AllianceBernstein L.P.
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%*
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%*
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%*
7.94%
5.33%
6.68%
Allocation
American Funds Insurance Series® - Capital Income
Builder®: Class 4
Investment Advisor: Capital Research and Management Company
0.78%*
20.16%
8.82%
7.32%
Equity
American Funds Insurance Series® - Global Small
Capitalization Fund: Class 4
Investment Advisor: Capital Research and Management Company
1.15%*
14.33%
0.23%
6.96%
Equity
American Funds Insurance Series® - New World Fund®:
Class 4
Investment Advisor: Capital Research and Management Company
1.07%*
27.93%
5.06%
8.98%
Fixed Income
American Funds Insurance Series® - U.S. Government
Securities Fund: Class 2
Investment Advisor: Capital Research and Management Company
0.50%*
7.75%
-0.23%
1.70%
Equity
American Funds Insurance Series® - Washington Mutual
Investors Fund: Class 4
Investment Advisor: Capital Research and Management Company
0.75%*
16.90%
13.60%
12.08%
Fixed Income
BlackRock Variable Series Funds II, Inc. - BlackRock High
Yield V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Sub-Advisor: BlackRock International Limited
0.78%*
8.52%
4.47%
6.02%
16
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Fixed Income
BlackRock Variable Series Funds II, Inc. - BlackRock Total
Return V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Sub-Advisor: BlackRock International Limited and BlackRock
(Singapore) Limited
0.74%*
7.14%
-0.75%
1.82%
Allocation
BlackRock Variable Series Funds, Inc. - BlackRock 60/40
Target Allocation ETF V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
0.58%*
15.37%
7.05%
8.45%
Allocation
BlackRock Variable Series Funds, Inc. - BlackRock Global
Allocation V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Sub-Advisor: BlackRock International Limited and BlackRock
(Singapore) Limited
1.01%*
19.51%
5.51%
7.33%
Allocation
Calvert Variable Series, Inc. - Calvert VP SRI Balanced
Portfolio: Class F
Investment Advisor: Calvert Research and Management
0.90%
11.68%
8.44%
9.51%
Equity
Calvert Variable Trust, Inc. - CVT Nasdaq 100 Index Portfolio:
Class F
Investment Advisor: Calvert Research and Management
Sub-Advisor: Ameritas Investment Partners, Inc.
0.74%*
20.10%
14.46%
18.80%
Equity
Columbia Funds Variable Insurance Trust - Columbia
Variable Portfolio - Small Cap Value Discovery Fund: Class 2
(formerly, Columbia Funds Variable Series Trust - Columbia
Variable Portfolio - Small Cap Value Discovery Fund: Class 2)
Investment Advisor: Columbia Management Investment Advisors,
LLC
1.13%*
14.66%
12.19%
11.20%
Equity
Columbia Funds Variable Insurance Trust - Columbia
Variable Portfolio - Small Company Growth Fund: Class 2
(formerly, Columbia Funds Variable Series Trust - Columbia
Variable Portfolio - Small Company Growth Fund: Class 2)
Investment Advisor: Columbia Management Investment Advisors,
LLC
1.12%*
21.29%
3.32%
14.89%
Real Assets
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - Commodity Strategy Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors,
LLC
1.00%*
15.30%
12.44%
6.46%
Fixed Income
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - High Yield Bond Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors,
LLC
0.89%*
8.49%
3.93%
5.51%
Fixed Income
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - Select Corporate Income Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors,
LLC
0.72%*
7.55%
1.20%
1.94%
Equity
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - Select Mid Cap Growth Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors,
LLC
1.07%*
14.86%
7.26%
11.89%
Fixed Income
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - Select Short Corporate Income Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors,
LLC
0.66%*
6.00%
1.90%
2.94%
17
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Equity
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%*
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%
7.83%
8.93%
8.84%
Alternative Strategies
Deutsche DWS Variable Series II - DWS Alternative Asset
Allocation VIP: Class B
Investment Advisor: DWS Investment Management Americas, Inc.
Sub-Advisor: RREEF America L.L.C.
1.26%
10.03%
4.88%
4.52%
Allocation
Fidelity Variable Insurance Products Fund - VIP Balanced
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.66%
14.96%
9.24%
10.84%
Equity
Fidelity Variable Insurance Products Fund - VIP Contrafund®
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.79%
21.19%
15.08%
15.49%
Equity
Fidelity Variable Insurance Products Fund - VIP Energy
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.85%
10.34%
23.86%
7.69%
Equity
Fidelity Variable Insurance Products Fund - VIP Equity-
Income Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.71%
18.75%
12.23%
11.32%
Fixed Income
Fidelity Variable Insurance Products Fund - VIP Floating Rate
High Income Portfolio: Initial Class
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.73%
5.33%
6.06%
5.44%
Equity
Fidelity Variable Insurance Products Fund - VIP Growth &
Income Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.72%
21.21%
15.83%
13.56%
18
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Equity
Fidelity Variable Insurance Products Fund - VIP Growth
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.80%
14.61%
13.41%
17.15%
Fixed Income
Fidelity Variable Insurance Products Fund - VIP Investment
Grade Bond Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.62%
6.93%
-0.21%
2.45%
Equity
Fidelity Variable Insurance Products Fund - VIP Overseas
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FIL Investment Advisors, FIL Investment Advisors
(UK) Limited, FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.97%
20.05%
6.35%
7.66%
Equity
Fidelity Variable Insurance Products Fund - VIP Value
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.70%
10.95%
12.82%
10.96%
Equity
Fidelity Variable Insurance Products Fund - VIP Value
Strategies Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited, Fidelity
Management & Research (Japan) Limited
0.84%
7.70%
11.87%
10.54%
Equity
Goldman Sachs Variable Insurance Trust - Goldman Sachs
Mid Cap Growth Fund: Service Shares
Investment Advisor: Goldman Sachs Asset Management, L.P.
0.98%*
7.36%
4.68%
11.59%
Equity
Invesco - Invesco V.I. Discovery Mid Cap Growth Fund:
Series II
Investment Advisor: Invesco Advisers, Inc.
1.11%
4.53%
3.64%
11.10%
Equity
Invesco - Invesco V.I. Main Street Small Cap Fund: Series II
Investment Advisor: Invesco Advisers, Inc.
1.09%
8.44%
8.07%
10.31%
Allocation
Janus Aspen Series - Janus Henderson Balanced Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC
0.87%
14.82%
8.21%
9.86%
Equity
Janus Aspen Series - Janus Henderson Enterprise Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC
0.97%
7.41%
7.35%
12.51%
Fixed Income
Janus Aspen Series - Janus Henderson Flexible Bond
Portfolio: Service Shares
Investment Advisor: Janus Henderson Investors US LLC
0.82%*
7.22%
-0.47%
2.07%
Equity
Janus Aspen Series - Janus Henderson Global Research
Portfolio: Service Shares
Investment Advisor: Janus Henderson Investors US LLC
1.07%
20.60%
12.23%
12.64%
19
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Equity
Janus Aspen Series - Janus Henderson Global Sustainable
Equity Portfolio: Institutional Shares
Investment Advisor: Janus Henderson Investors US LLC
0.74%*
17.46%
 
 
Equity
Janus Aspen Series - Janus Henderson Global Technology
and Innovation Portfolio: Service Shares
Investment Advisor: Janus Henderson Investors US LLC
0.97%
24.84%
13.44%
21.18%
Equity
Janus Aspen Series - Janus Henderson Overseas Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC
0.96%
28.58%
9.17%
8.97%
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%
8.97%
-0.42%
9.11%
Fixed Income
Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class
VC
Investment Advisor: Lord, Abbett & Co. LLC
0.71%
7.19%
0.07%
2.28%
Equity
MFS® Variable Insurance Trust - MFS New Discovery Series:
Service Class
Investment Advisor: Massachusetts Financial Services Company
1.12%*
12.56%
-0.54%
10.46%
Equity
MFS® Variable Insurance Trust II - MFS International Growth
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company
1.13%*
20.81%
6.80%
9.60%
Equity
MFS® Variable Insurance Trust II - MFS International Intrinsic
Equity Portfolio: Service Class (formerly, MFS® Variable
Insurance Trust II - MFS International Intrinsic Value
Portfolio: Service Class)
Investment Advisor: Massachusetts Financial Services Company
1.14%*
32.96%
7.02%
9.68%
Fixed Income
MFS® Variable Insurance Trust III - MFS Limited Maturity
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company
0.73%*
5.49%
2.29%
2.44%
Equity
MFS® Variable Insurance Trust III - MFS Mid Cap Value
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company
1.04%*
5.75%
9.90%
9.69%
Equity
Nationwide Variable Insurance Trust - NVIT Allspring
Discovery Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Allspring Global Investments, LLC
1.08%*
5.62%
-2.35%
9.38%
Allocation
Nationwide Variable Insurance Trust - NVIT American Funds
Asset Allocation Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
0.92%*
15.41%
8.56%
9.36%
Fixed Income
Nationwide Variable Insurance Trust - NVIT American Funds
Bond Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
0.85%*
6.73%
-0.54%
1.96%
Equity
Nationwide Variable Insurance Trust - NVIT American Funds
Global Growth Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
1.04%*
21.21%
7.82%
11.73%
Equity
Nationwide Variable Insurance Trust - NVIT American Funds
Growth Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
0.97%*
19.78%
12.94%
17.52%
20
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Equity
Nationwide Variable Insurance Trust - NVIT American Funds
Growth-Income Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
0.91%*
17.64%
13.48%
13.48%
Equity
Nationwide Variable Insurance Trust - NVIT BlackRock Equity
Dividend Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
1.05%*
21.10%
11.24%
11.09%
Allocation
Nationwide Variable Insurance Trust - NVIT BlackRock
Managed Global Allocation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC and
Nationwide Asset Management, LLC
1.15%*
14.84%
4.16%
6.06%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.99%*
18.45%
10.71%
10.40%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Balanced Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.87%*
12.47%
5.93%
6.60%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Capital Appreciation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.90%*
14.94%
8.14%
8.51%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.83%*
8.70%
2.68%
3.95%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Moderate Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
0.89%*
13.52%
7.12%
7.62%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Moderately Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.95%*
16.43%
9.35%
9.45%
Allocation
Nationwide Variable Insurance Trust - NVIT Blueprint®
Moderately Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.87%*
11.10%
4.86%
5.78%
Equity
Nationwide Variable Insurance Trust - NVIT BNY Mellon
Dynamic U.S. Core Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Newton Investment Management Limited
0.87%*
16.91%
12.31%
14.16%
Equity
Nationwide Variable Insurance Trust - NVIT BNY Mellon
Dynamic U.S. Equity Income: Class Z
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Newton Investment Management Limited
0.88%*
18.55%
14.51%
11.51%
Fixed Income
Nationwide Variable Insurance Trust - NVIT DoubleLine Total
Return Tactical Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: DoubleLine Capital LP
0.98%*
7.31%
0.22%
 
Equity
Nationwide Variable Insurance Trust - NVIT Fidelity
Institutional AM® Emerging Markets Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: FIAM LLC
1.12%*
36.15%
1.01%
6.31%
Equity
Nationwide Variable Insurance Trust - NVIT Fidelity
Institutional AM® Worldwide Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: FIAM LLC
1.05%*
 
 
 
21
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Capital Preservation
Nationwide Variable Insurance Trust - NVIT Government
Money Market Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Federated Investment Management Company
0.47%
3.91%
2.95%
1.85%
Equity
Nationwide Variable Insurance Trust - NVIT International
Equity Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Lazard Asset Management LLC
1.13%*
38.97%
12.52%
9.67%
Equity
Nationwide Variable Insurance Trust - NVIT International
Index Fund: Class VIII
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.82%*
30.28%
8.12%
7.50%
Equity
Nationwide Variable Insurance Trust - NVIT Invesco Small
Cap Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Invesco Advisers, Inc.
1.32%
16.08%
4.69%
11.45%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
1.02%
19.26%
8.48%
9.50%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Balanced Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.94%
12.97%
4.84%
6.03%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Capital Appreciation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.90%*
15.70%
6.58%
7.85%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.92%
8.90%
1.96%
3.37%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Moderate Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.97%
14.42%
5.67%
6.92%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Moderately Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors
1.00%
17.38%
7.41%
8.61%
Allocation
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Moderately Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors
0.93%
11.68%
3.78%
5.12%
Equity
Nationwide Variable Insurance Trust - NVIT iShares® Global
Equity ETF Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.75%*
18.00%
10.86%
 
Equity
Nationwide Variable Insurance Trust - NVIT J.P. Morgan
Digital Evolution Strategy Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: J.P. Morgan Investment Management Inc.
0.96%*
32.66%
 
 
Equity
Nationwide Variable Insurance Trust - NVIT J.P. Morgan
Equity and Options Total Return Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: J.P. Morgan Investment Management Inc.
1.04%
16.22%
9.58%
11.58%
Fixed Income
Nationwide Variable Insurance Trust - NVIT J.P. Morgan
Inflation Managed Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: J.P. Morgan Investment Management Inc.
0.75%*
 
 
 
22
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Equity
Nationwide Variable Insurance Trust - NVIT J.P. Morgan
Large Cap Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: J.P. Morgan Investment Management Inc.
0.79%*
14.12%
 
 
Equity
Nationwide Variable Insurance Trust - NVIT J.P. Morgan U.S.
Equity Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: J.P. Morgan Investment Management Inc.
0.94%
14.09%
13.02%
 
Equity
Nationwide Variable Insurance Trust - NVIT Jacobs Levy
Large Cap Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc.
0.95%*
13.82%
18.76%
17.73%
Fixed Income
Nationwide Variable Insurance Trust - NVIT Loomis Core
Bond Fund: Class P
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Loomis, Sayles & Company, L.P.
0.68%
6.79%
-0.86%
1.98%
Fixed Income
Nationwide Variable Insurance Trust - NVIT Loomis Short
Term Bond Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Loomis, Sayles & Company, L.P.
0.80%
5.43%
1.88%
2.12%
Fixed Income
Nationwide Variable Insurance Trust - NVIT Loomis Short
Term High Yield Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Loomis, Sayles & Company, L.P.
0.87%*
5.66%
3.26%
5.38%
Equity
Nationwide Variable Insurance Trust - NVIT Mid Cap Index
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.41%
7.05%
8.70%
10.28%
Equity
Nationwide Variable Insurance Trust - NVIT Multi-Manager
Small Company Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc. and Invesco
Advisers, Inc.
1.30%*
10.05%
8.34%
10.72%
Equity
Nationwide Variable Insurance Trust - NVIT NASDAQ-100
Index Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.72%*
 
 
 
Equity
Nationwide Variable Insurance Trust - NVIT Putnam
International Value Fund: Class Z
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Putnam Investment Management, LLC
1.08%*
34.95%
10.90%
7.45%
Equity
Nationwide Variable Insurance Trust - NVIT Real Estate Fund:
Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Wellington Management Company LLP
1.17%*
0.33%
5.43%
5.75%
Equity
Nationwide Variable Insurance Trust - NVIT S&P 500 Index
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.49%*
17.35%
13.87%
14.26%
Equity
Nationwide Variable Insurance Trust - NVIT Small Cap Index
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
0.58%*
12.14%
5.54%
9.10%
Equity
Nationwide Variable Insurance Trust - NVIT Small Cap Value
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc.
1.31%*
1.87%
7.70%
7.41%
23
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Fixed Income
Nationwide Variable Insurance Trust - NVIT Strategic Income
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Amundi Asset Management, US
0.80%
7.56%
5.81%
5.45%
Equity
Nationwide Variable Insurance Trust - NVIT Victory Mid Cap
Value Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Victory Capital Management Inc.
0.96%*
2.30%
7.79%
7.55%
Equity
New Age Alpha Variable Funds Trust - NAA Large Growth
Series
Investment Advisor: New Age Alpha Advisors, LLC
1.01%*
17.02%
13.89%
17.04%
Equity
New Age Alpha Variable Funds Trust - NAA World Equity
Income Series
Investment Advisor: New Age Alpha Advisors, LLC
1.06%*
22.75%
11.42%
9.99%
Allocation
PIMCO Variable Insurance Trust - All Asset Portfolio: Advisor
Class
Investment Advisor: PIMCO
Sub-Advisor: Research Affiliates, LLC
2.23%*
14.19%
5.49%
6.67%
Fixed Income
PIMCO Variable Insurance Trust - Emerging Markets Bond
Portfolio: Advisor Class
Investment Advisor: PIMCO
1.27%
14.86%
2.34%
4.96%
Fixed Income
PIMCO Variable Insurance Trust - International Bond Portfolio
(U.S. Dollar-Hedged): Advisor Class
Investment Advisor: PIMCO
1.19%
3.85%
0.93%
2.78%
Fixed Income
PIMCO Variable Insurance Trust - Short-Term Portfolio:
Advisor Class
Investment Advisor: PIMCO
0.75%
4.57%
3.14%
2.65%
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%
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%
37.68%
9.28%
8.13%
Equity
Putnam Variable Trust - Putnam VT Large Cap Value Fund:
Class IB
Investment Advisor: Putnam Investment Management, LLC
Sub-Advisor: Franklin Advisers, Inc., Franklin Templeton
Investment Management Limited
0.79%
20.35%
15.38%
13.30%
Equity
Putnam Variable Trust - Putnam VT Sustainable Leaders
Fund: Class IB
Investment Advisor: Putnam Investment Management, LLC
Sub-Advisor: Franklin Advisers, Inc., Franklin Templeton
Investment Management Limited
0.88%
10.69%
10.34%
14.69%
Equity
T. Rowe Price Equity Series, Inc. - T. Rowe Price Health
Sciences Portfolio: II
Investment Advisor: T. Rowe Price Associates, Inc.
1.11%
17.80%
3.86%
8.70%
Equity
VanEck VIP Trust - VanEck VIP Global Resources Fund:
Class S
Investment Advisor: Van Eck Associates Corporation
1.32%
36.17%
10.24%
8.06%
24
Type
Underlying Mutual Fund and Adviser/Subadviser
Current
Expenses
Average Annual Total
Returns
(as of 12/31/2025)
1 year
5 year
10 year
Equity
Victory Variable Insurance Funds II - Victory Pioneer Fund
VCT Portfolio: Class II
Investment Advisor: Victory Capital Management, Inc.
1.00%*
23.08%
14.69%
15.47%
Equity
Virtus Variable Insurance Trust - Virtus Duff & Phelps Real
Estate Securities Series: Class A
Investment Advisor: Virtus Investment Advisers, Inc.
Sub-Advisor: Duff & Phelps Investment Management Co., an
affiliate of VIA.
1.10%*
0.72%
6.06%
5.95%
*
This underlying mutual fund’s current expenses reflect a temporary fee reduction.
Fixed Options
The following is a list of fixed options currently available under the contract. To the extent permitted under the contract, Nationwide may change the features of a fixed option, offer new fixed options, and terminate existing fixed options. Nationwide will provide you with written notice before doing so. Depending on the optional benefits chosen, access to a fixed option may not be permitted. See The Fixed Account in the statutory prospectus for additional information.  
Name
Interest Rate Guarantee Period
Minimum Guaranteed Interest Rate
Fixed Account
1 year1
1.00%2
1
The Fixed Account interest rate guarantee period begins on the date of deposit or transfer and ends on the one-year anniversary of the deposit or transfer. The guaranteed interest rate period may last for up to three months beyond the one-year anniversary because guaranteed terms end on the last day of a calendar quarter. As a result, an interest rate guarantee period may last up to 15 months.
2
Contracts may be subject to a higher minimum guaranteed interest rate based on the date the contract was issued and/or state of issue.
Nationwide reserves the right to limit the amount that can be transferred from the Fixed Account at the end of an interest rate guarantee period. Nationwide will provide you with written notice before doing so.
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. Please note, except as the originating account when the Contract Owner elects Dollar Cost Averaging for Living Benefits, allocation to the Fixed Account is not permitted when the Nationwide Lifetime Income Rider Plus Empire is elected. 
Investment Option
Nationwide
Lifetime
Income
Rider Plus
Empire
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
25
Investment Option
Nationwide
Lifetime
Income
Rider Plus
Empire
Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Conservative 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
Static Asset Allocation Models - American Funds 60/40 Option (40% NVIT American Funds Growth-Income
Fund, 40% NVIT American Funds Asset Allocation Fund and 20% NVIT - NVIT American Funds Bond Fund)
X
Static Asset Allocation Models - American Funds 80/20 Option (65% NVIT American Funds Growth-Income
Fund, 20% NVIT American Funds Asset Allocation Fund and 15% NVIT - NVIT American Funds Bond Fund)
X
Static Asset Allocation Models – BlackRock 70/30 Option (55% NVIT BlackRock Equity Dividend, 25% NVIT
BlackRock Managed Global Allocation and 20% BlackRock Total Return VI)
X
Static Asset Allocation Models - Fidelity® VIP Funds 80/20 Option (70% Fidelity VIP Growth & Income, 15%
Fidelity VIP Balanced and 15% Fidelity VIP Investment Grade Bond)
X
Static Asset Allocation Models - Janus Henderson 70/30 Option (30% Janus Henderson VIT Global Tech &
Innovation, 40% Janus Henderson VIT Global Research and 30% Janus Henderson VIT Flexible Bond)
X
Static Asset Allocation Models - Multi-Manager 60/40 Option (30% NVIT Jacobs Levy Large Cap Growth,
30% Putnam VT Large Cap Value IB and 40% Fidelity VIP Investment Grade Bond)
X
Static Asset Allocation Models - Multi-Manager 70/30 Option (35% NVIT Jacobs Levy Large Cap Growth
Fund: Class II, 35% Putnam VT Large Cap Value Fund: Class IB and 30% Fidelity VIP Investment Grade
Bond Portfolio - Service Class 2)
X
Static Asset Allocation Models - Multi-Manager 80/20 Option (40% NVIT Jacobs Levy Large Cap Growth,
40% Putnam VT Large Cap Value IB and 20% Fidelity VIP Investment Grade Bond)
X
Custom Choice Asset Rebalancing Service
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 Empire
Group A
0% - 100%
Group B
0% - 100%
Group C
0% - 10%
Total
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
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Discovery Value Portfolio:
Class B
 
X
 
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Large Cap Growth
Portfolio: Class B
 
X
 
26
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® - Capital Income Builder®: Class 4
 
X
 
American Funds Insurance Series® - Global Small Capitalization Fund: Class 4
 
X
 
American Funds Insurance Series® - New World Fund®: Class 4
 
X
 
American Funds Insurance Series® - U.S. Government Securities Fund: Class 2
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
 
BlackRock Variable Series Funds, Inc. - BlackRock Global Allocation 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 - Commodity
Strategy 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 Corporate
Income 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 - Select Short
Corporate Income 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
 
Fidelity Variable Insurance Products - Emerging Markets Portfolio: Service Class 2
 
X
 
Fidelity Variable Insurance Products Fund - VIP Balanced Portfolio: Service Class 2
 
X
 
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 Equity-Income 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 Portfolio: Service Class 2
 
X
 
27
Underlying Mutual Fund
Group A
Group B
Group C
Fidelity Variable Insurance Products Fund - VIP Investment Grade Bond Portfolio: Service
Class 2
X
 
 
Fidelity Variable Insurance Products Fund - VIP Overseas Portfolio: Service Class 2
 
X
 
Fidelity Variable Insurance Products Fund - VIP Value Portfolio: Service Class 2
 
X
 
Fidelity Variable Insurance Products Fund - VIP Value Strategies Portfolio: Service Class 2
 
X
 
Goldman Sachs Variable Insurance Trust - Goldman Sachs Mid Cap Growth Fund: Service
Shares
 
X
 
Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series II
 
X
 
Invesco - Invesco V.I. Main Street Small Cap 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
 
Legg Mason Partners Variable Equity Trust - ClearBridge Variable Small Cap Growth
Portfolio: Class II
 
X
 
Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class VC
X
 
 
MFS® Variable Insurance Trust - MFS New Discovery Series: Service Class
 
X
 
MFS® Variable Insurance Trust - MFS Value Series: Service Class
 
X
 
MFS® Variable Insurance Trust II - MFS International Growth Portfolio: Service Class
 
X
 
MFS® Variable Insurance Trust II - MFS International Intrinsic Equity Portfolio: Service
Class (formerly, MFS® Variable Insurance Trust II - MFS International Intrinsic Value
Portfolio: Service Class)
 
X
 
MFS® Variable Insurance Trust II - MFS Research International Portfolio: Service Class
 
X
 
MFS® Variable Insurance Trust III - MFS Limited Maturity Portfolio: Service Class
X
 
 
MFS® Variable Insurance Trust III - MFS Mid Cap Value Portfolio: Service Class
 
X
 
Nationwide Variable Insurance Trust - NVIT American Funds Asset Allocation Fund: Class
II
 
X
 
Nationwide Variable Insurance Trust - NVIT American Funds Bond Fund: Class II
X
 
 
Nationwide Variable Insurance Trust - NVIT American Funds Global Growth Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT American Funds Growth Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT American Funds Growth-Income Fund: Class
II
 
X
 
Nationwide Variable Insurance Trust - NVIT BlackRock Equity Dividend Fund: Class II
 
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
 
28
Underlying Mutual Fund
Group A
Group B
Group C
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 BNY Mellon Dynamic U.S. Core Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic U.S. Equity Income:
Class Z
 
X
 
Nationwide Variable Insurance Trust - NVIT DoubleLine Total Return Tactical Fund: Class
II
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 Equity Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT International Index Fund: Class VIII
 
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® Global Equity ETF Fund: Class II
 
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 J.P. Morgan Large Cap Growth Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT J.P. Morgan U.S. Equity Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap Growth Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Loomis Core Bond Fund: Class P
X
 
 
Nationwide Variable Insurance Trust - NVIT Loomis Short Term Bond Fund: Class II
X
 
 
Nationwide Variable Insurance Trust - NVIT Loomis Short Term High Yield Fund: Class I
 
X
 
Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund: Class I
 
X
 
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small Company Fund: Class II
 
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 II
 
X
 
29
Underlying Mutual Fund
Group A
Group B
Group C
Nationwide Variable Insurance Trust - NVIT Small Cap Index Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Small Cap Value Fund: Class II
 
X
 
Nationwide Variable Insurance Trust - NVIT Strategic Income Fund: Class I
X
 
 
Nationwide Variable Insurance Trust - NVIT Victory Mid Cap Value Fund: Class II
 
X
 
New Age Alpha Variable Funds Trust - NAA Large Growth Series
 
X
 
New Age Alpha Variable Funds Trust - NAA World Equity Income Series
 
X
 
PIMCO Variable Insurance Trust - All Asset Portfolio: Advisor Class
 
X
 
PIMCO Variable Insurance Trust - Emerging Markets Bond Portfolio: Advisor Class
 
X
 
PIMCO Variable Insurance Trust - Income Portfolio: Advisor Class
X
 
 
PIMCO Variable Insurance Trust - International Bond Portfolio (U.S. Dollar-Hedged):
Advisor Class
X
 
 
PIMCO Variable Insurance Trust - Real Return Portfolio: Advisor Class
 
X
 
PIMCO Variable Insurance Trust - Short-Term Portfolio: Advisor 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 International Value Fund: Class IB
 
X
 
Putnam Variable Trust - Putnam VT Large Cap Value Fund: Class IB
 
X
 
Putnam Variable Trust - Putnam VT Sustainable Leaders Fund: Class IB
 
X
 
T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences Portfolio: II
 
X
 
VanEck VIP Trust - VanEck VIP Global Resources Fund: Class S
 
X
 
Victory Variable Insurance Funds II - Victory Pioneer Fund VCT Portfolio: Class II
 
X
 
Virtus Variable Insurance Trust - Virtus Duff & Phelps Real Estate Securities Series: Class
A
 
X
 
30
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/C000109801NW/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: C000109801

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