Results

Nationwide Variable Account-15

10/10/2025 | Press release | Distributed by Public on 10/10/2025 07:24

Post-Effective Amendment to Registration Statement by Investment Company (Form 485BPOS)

As filed with the Securities and Exchange Commission on October 10, 2025
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM N-4
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933File No. 333-227783
Pre-Effective Amendment No.
Post-Effective Amendment No. 18
and/or
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940File No. 811-23386
Amendment No. 43
(Check appropriate box or boxes.)
Nationwide Variable Account-15
(Exact Name of Registrant)
Nationwide Life Insurance Company
(Name of Depositor)
One Nationwide Plaza, Columbus, Ohio 43215
(Address of Depositor's Principal Executive Offices) (Zip Code)
614-249-7111
Depositor's Telephone Number, including Area Code
Denise L. Skingle, Senior Vice President and Secretary
One Nationwide Plaza, Columbus, Ohio 43215
(Name and Address of Agent for Service)
October 10, 2025
Approximate Date of Proposed Public Offering
It is proposed that this filing will become effective (check appropriate box)
☐ immediately upon filing pursuant to paragraph (b)
☒ on October 10, 2025 pursuant to paragraph (b)
☐ 60 days after filing pursuant to paragraph (a)(1)
☐ on pursuant to paragraph (a)(1)
If appropriate, check the following box:
☐ this post-effective amendment designates a new effective date for a previously filed post-effective amendment.
Supplement dated October 10, 2025
to the following statutory prospectus(es):
Nationwide Advisory Retirement Income Annuity and Nationwide Advisory Retirement Income Annuity - New York dated May 1, 2025
This supplement updates certain information contained in your statutory prospectus. Please read and retain
this supplement for future reference.
At a meeting held on June 10, 2025, the Board of Trustees (the "Board") of Nationwide Variable Insurance Trust (the "Trust"), approved the merger of the NVIT NS Partners International Focused Growth Fund (the "Target Fund") and the NVIT International Equity Fund (the "Acquiring Fund"). The merger will be effective on or about October 24, 2025 (the "Effective Date").
As of the Effective Date, the following changes apply to the contract:
the Target Fund will no longer be available to receive transfers or new purchase payments;
the Target Fund will transfer all or substantially all of its assets to the Acquiring Fund in exchange for shares of the Acquiring Fund; and
the Acquiring Fund will assume all liabilities of the Target Fund.
Accordingly, the following changes apply to the prospectus:
(1) Appendix A is amended to add the following:
Type
Underlying Mutual Fund and Adviser/
Subadviser
Current
Expenses
Low Cost
Fund
Fee1
Current
Expenses +
Low Cost
Fund
Fee
Average Annual
Total Returns
(as of 12/31/2024)
1
year
5
year
10
year
Equity
Nationwide Variable Insurance Trust - NVIT International
Equity Fund: Class II
This underlying mutual fund is no longer available to receive
transfers or new purchase payments effective October 24, 2025.
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Lazard Asset Management LLC
1.23%*
0.00%
11.01%
6.92%
5.77%
0.00%
*
This underlying mutual fund's current expenses reflect a temporary fee reduction.
(2) All references in the prospectus to the Target Fund are deleted and replaced with the Acquiring Fund.
PROS-1125
1
Incorporation by Reference
The prospectus supplements dated May 1, 2025, May 29, 2025, May 30, 2025, June 24, 2025, June 30, 2025, July 31, 2025 and September 29, 2025 the prospectus except as modified herein, and the Statement of Additional Information, that were effective May 1, 2025, previously filed with the Commission under SEC file No. 333-227783, are hereby incorporated by reference and made a part of this registration statement.
Prospectus Supplements:
1)
Prospectus Supplement dated May 1, 2025 and filed on April 25, 2025 as document number d920328d497.htm and hereby incorporated by reference.
2)
Prospectus Supplement dated May 29, 2025 and filed on May 29, 2025 as document number d880101d485bpos.htm and hereby incorporated by reference.
3)
Prospectus Supplement dated May 30, 2025 and filed on May 30, 2025 as document number d892258d497.htm and hereby incorporated by reference.
4)
Prospectus Supplement dated June 24, 2025 and filed on June 24, 2025 as document number d74717d497.htm and hereby incorporated by reference.
5)
Prospectus Supplement dated June 30, 2025 and filed on June 30, 2025 as document number d63102d485bpos.htm and hereby incorporated by reference.
6)
Prospectus Supplement dated July 31, 2025 and filed on July 31, 2025 as document number d39840d497.htm and hereby incorporated by reference.
7)
Prospectus Supplement dated September 29, 2025 and filed on September 29, 2025 as document number d30732d497vpsub.htm and hereby incorporated by reference.
Prospectus:
1)
Nationwide Advisory Retirement Income Annuity prospectus effective May 1, 2025 filed on April 24, 2025, registration statement (333-227783), as document number d926053d485bpos.htm and hereby incorporated by reference.
Statement of Additional Information (SAI):
1)
Nationwide Advisory Retirement Income Annuity Statement of Additional Information effective May 1, 2025 filed on April 24, 2025, registration statement (333-227783), as document number d926053d485bpos.htm and hereby incorporated by reference.
1
PART C. OTHER INFORMATION
Item 27. Exhibits
a)
Resolution of the Depositor's Board of Directors authorizing the establishment of the Registrant - Filed previously with initial registration statement (333-227783) on October 11, 2018 as Exhibit (1) and hereby incorporated by reference.
b)
Not Applicable.
c)
Amended and Restated Distribution Agreement dated November 1, 2022 between Nationwide Life Insurance Company, Nationwide Life and Annuity Insurance Company, Jefferson National Life Insurance Company, and Nationwide Investment Services Corporation - Filed previously with Post-Effective Amendment No. 29 on November 1, 2022 (333-124048) and hereby incorporated by reference.
d)
Form of the Variable Annuity Contract - Filed previously with Pre-Effective Amendment No. 1 on February 14, 2019 (File No. 333-227780) and hereby incorporated by reference.
1)
Form of Return of Premium Death Benefit Option - Filed previously with Pre-Effective Amendment No. 1 on February 14, 2019 (File No. 333-227780) and hereby incorporated by reference.
2)
Form of Enhanced Surrender Value for Terminal Illness Endorsement - Filed previously with Pre-Effective Amendment No. 1 on February 14, 2019 (File No. 333-227780) and hereby incorporated by reference.
3)
Form of Retirement Income Developer Option and Joint Option for Retirement Income Developer Option - Filed previously with Pre-Effective Amendment No. 1 on February 14, 2019 (File No. 333-227780) and hereby incorporated by reference.
4)
Form of Nationwide Lifetime Income Rider® Advisory (Nationwide L.incSM Advisory Option) and Joint Option for Nationwide L.incSM Advisory Option - Filed previously with Post-Effective Amendment No. 2 on June 28, 2019 (File No. 333-227780) and hereby incorporated by reference.
5)
Form of Pro 4 Option and Joint Option for Pro 4 Option - Filed previously with Post-Effective Amendment No. 5 on September 16, 2020 (File No. 333-227783) and hereby incorporated by reference.
6)
Form of Nationwide Lifetime Income Rider Plus Core Advisory ("L.inc Plus Core Advisory") Guaranteed Lifetime Withdrawal Benefit ("GLWB") and Joint Option for Nationwide Lifetime Income Rider Plus Core Advisory - Filed previously with Post-Effective Amendment No. 11 on August 9, 2023 (File No. 333-227283) and hereby incorporated by reference.
7)
Form of Nationwide Lifetime Income Rider Plus Accelerated Advisory ("L.inc Plus Accelerated Advisory") Guaranteed Lifetime Withdrawal Benefit ("GLWB") and Joint Option for Nationwide Lifetime Income Rider Plus Accelerated Advisory - Filed previously with Post-Effective Amendment No. 11 on August 9, 2023 (File No. 333-227283) and hereby incorporated by reference.
e)
Form of Variable Annuity Application - Filed previously with Pre-Effective Amendment No. 1 on February 14, 2019 (File No. 333-227780) and hereby incorporated by reference.
f)
Depositor's Certificate of Incorporation and By-Laws -
1)
Amended Articles of Incorporation for Nationwide Life Insurance Company. Filed previously with initial registration statement (333-164125) on January 4, 2010 as document "exhibit6a.htm" and hereby incorporated by reference.
2)
Amended and Restated Code of Regulations of Nationwide Life Insurance Company. Filed previously with initial registration statement (333-164125) on January 4, 2010 as document "exhibit6b.htm" and hereby incorporated by reference.
3)
Articles of Merger of Nationwide Life Insurance Company of America with and into Nationwide Life Insurance Company, effective December 31, 2009. Filed previously with initial registration statement (333-164125) on January 4, 2010 as document "exhibit6c.htm" and hereby incorporated by reference.
g)
Not Applicable.
h)
Form of Participation Agreements -
Unless indicated as attached hereto, the following fund participation agreements were previously filed and are hereby incorporated by reference.
1)
Fund Participation Agreement with Fred Alger Management, Inc., Fred Alger & Company, Incorporated dated October 1, 2004 with the registration statement under 333-164118, post-effective amendment number 3 filed on April 26, 2011 as document algeramericanpfa.htm
2)
Fund Participation Agreement with ALPS Variable Investment Trust and ALPS Portfolio Solutions Distributor, Inc. dated October 10, 2013 with the registration statement under 333-135650, post-effective amendment number 12 filed on October 15, 2013 as document d612202dex99826.htm
3)
Fund Participation Agreement (Amended and Restated) with Alliance Capital Management L.P. and Alliance Bernstein Investment Research and Management, Inc. dated June 1, 2003 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document alliancebernsteinfpa.htm
4)
Amended and Restated Fund Participation and Shareholder Services Agreement with American Century Investment Services, Inc., as amended, dated September 15, 2004 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document amcentfpa99h2.htm
5)
Fund Participation Agreement with American Funds Insurance Series and Capital Research and Management Company dated July 20, 2005 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document americanfundsfpa.htm
6)
Fund Participation Agreement with BlackRock (formerly FAM Distributors, Inc. and FAM Variable Series Funds, Inc.), as amended, dated April 13, 2004 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document blackrockfpa.htm
7)
Participation Agreement among Nationwide Financial Services, Inc., Calvert Variable Products, Inc., and Eaton Vance Distributors, Inc., as amended, dated January 1, 2017 the registration statement under 333-177439, post-effective amendment number 42 filed on April 25, 2024 as document d777109dex99h8.htm. Portions of this exhibit have been redacted.
8)
Fund Participation Agreement with Columbia Management Investment Advisers, LLC and Columbia Management Investment Distributors, Inc. dated December 7, 2015 with the registration statement under 333-103095, post-effective amendment number 39 filed on April 13, 2017 as document columbiafpa.htm
9)
Fund Participation Agreement with Delaware Management Company and Delaware Distributors, L.P., as amended, dated February 5, 2008 with the registration statement under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document delawarefpa.htm
10)
Fund Participation Agreement with DFA Investment Dimensions Group Inc., Dimensional Fund Advisors LP; and DFS Securities LLC., dated February 8, 2012 with the registration statement under 333-149213, post-effective amendment number 7 filed on April 11, 2012 as document dfafpa.htm
11)
Fund Participation Agreement with Eaton Vance Variable Trust and Eaton Vance Distributors, Inc. dated March 24, 2011 with the registration statement under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document eatonvancefpa.htm
12)
Participation Agreement among (Fidelity) Variable Insurance Products Funds, Fidelity Distributors Company LLC, Nationwide Life Insurance Company, Nationwide Life and Annuity Insurance Company, Jefferson National Life Insurance Company, and Jefferson National Life Insurance Company of New York dated October 11, 2023 with the registration statement under 333-177439, post-effective amendment number 42 filed on April 25, 2024 as document d777109dex99h14.htm.
13)
This field is intentionally blank.
14)
This field is intentionally blank.
15)
Amended and Restated Fund Participation Agreement with Franklin Templeton Variable Insurance Products Trust and Franklin/Templeton Distributors, Inc., as amended, dated May 1, 2003 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document frankfpa99h8.htm
16)
Fund Participation Agreement with Goldman Sachs Variable Insurance Trust, and Goldman Sachs & Co. dated December 22, 1998 with the registration statement under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document goldmansachsfpa.htm
17)
Fund Participation Agreement with John Hancock Distributors, LLC dated November 1, 2018 with the registration statement under 333-227783, pre-effective amendment number 1 filed on February 13, 2019 as document johnhancockfpa.htm
18)
Fund Participation Agreement with Waddell & Reed Services Company and Waddell and Reed, Inc. dated December 1, 2000 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document waddellreedfpa.htm
19)
Fund Participation Agreement, Service and Institutional Shares, with Janus Aspen Series dated December 31, 1999 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document janusfpa99h9a.htm
20)
Fund Participation Agreement with Lazard Retirement Series, Inc., and Lazard Asset Management Securities LLC dated April 13, 2009 with the registration statement under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document lazardfpa.htm
21)
Fund Participation Agreement with Legg Mason Investor Services, LLC (formerly, Salomon Brothers Variable Series Funds Inc., Salomon Brothers Asset Management Inc.), as amended dated September 1999 with the registration statement 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document leggmasonfpa.htm
22)
Fund Participation Agreement with Lord Abbett Series Fund, Inc. and Lord Abbett Distributor LLC, as amended, dated December 31, 2002 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document lordabbettfpa.htm
23)
Fund Participation Agreement with MainStay VP Funds Trust and New York Life Investment Management LLC dated May 1, 2016 with the registration statement 333-201820, post-effective amendment number 1 filed on April 14, 2016 as document mainstayfpa.htm
24)
Fund Participation Agreement with The Merger Fund VL and Westchester Capital Management, LLC dated October 11, 2013 with the registration statement under 333-135650, post-effective amendment number 12 filed on October 15, 2013 as document d612202dex99827.htm
25)
Participation Agreement Among MFS Variable Insurance Trust, MFS Variable Insurance Trust II, Nationwide Financial Services, Inc., and MFS Fund Distributors, Inc., dated May 2, 2011 with the registration statement under 333-227783, post-effective amendment number 3 filed on September 9, 2019 as document d737458dex9924b24.htm
26)
Fund Participation Agreement with Nationwide Variable Insurance Trust (formerly, Gartmore Variable Insurance Trust), American Funds Insurance Series, and Capital Research and Management Company dated May 1, 2007 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document nwfpa99h12b.htm
27)
Fund Participation Agreement with Northern Lights Variable Trust and Northern Lights Distributors, LLC dated February 8, 2012 with the registration statement under 333-62692, post-effective amendment number 28 filed on June 11, 2012 as document northernlightsfpa.htm
28)
Fund Participation Agreement with Oppenheimer Variable Account Funds and Oppenheimer Funds, Inc. dated April 13, 2007 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document oppenfpa99h14.htm
29)
Fund Participation Agreement with PIMCO Variable Insurance Trust and PIMCO Funds Distributors, LLC, as amended, dated March 28, 2002 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document pimcofpa.htm
30)
Fund Participation Agreement with Pioneer Variable Contracts Trust, Pioneer Investment Management, Inc. and Pioneer Funds Distributor, Inc., as amended, dated September 27, 2002 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document pioneerfpa.htm
31)
Fund Participation Agreement with Putnam Variable Trust and Putnam Retail Management, L.P. dated February 1, 2002 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document putnamfpa.htm
32)
Fund Participation Agreement with Redwood Investment Management, LLC, and Northern Lights Distributors, LLC dated November 1, 2018 with the registration statement under 333-227783, pre-effective amendment number 1 filed on February 13, 2019 as document redwoodfpa.htm
33)
Fund Participation Agreement with Rydex Variable Trust & Rydex Distributors, Inc. dated September 10, 2001 with the registration statement under 333-62692, post-effective amendment number 20 filed on April 18, 2008 as document rydexfundpartagreement.htm
34)
Fund Participation Agreement with T. Rowe Price Equity Series, Inc., T. Rowe Price International Series, Inc., T. Rowe Price Fixed Income Series, Inc., and T. Rowe Price Investment Services, Inc., as amended, dated October 1, 2002 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document trowefpa99h15.htm
35)
Fund Participation Agreement with Van Eck Investment Trust, Van Eck Associates Corporation, and Van Eck Securities Corporation, as amended, dated September 1, 1989 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document vaneckfpa.htm
36)
Fund Participation Agreement with The Universal Institutional Funds, Inc., Morgan Stanley & Co. Incorporated, Morgan Stanley Investment Management Inc., as amended, dated February 1, 2002 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document univfpa99h16.htm
37)
Fund Participation Agreement with Wells Fargo Management, LLC, and Stephens, Inc., as amended, dated November 15, 2004 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document wellsfargofpa.htm
38)
Fund Participation Agreement with Nationwide Variable Insurance Trust (formerly Gartmore Variable Insurance Trust, as amended. dated May 2, 2005 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document nwfpa99h12a.htm
39)
Fund Participation Agreement with Vanguard Variable Insurance Fund, The Vanguard Group, Inc., Vanguard Marketing Corporation. dated February 28, 2008 with the registration statement under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document vanguardfpa.htm
40)
Fund Participation Agreement with FEF Distributors, LLC, dated November 1, 2018 with the registration statement under 333-227783, post-effective amendment number 1 filed on April 18, 2019 as document d705546dex9924b838.htm
(41)
Letter Agreement between MFS Fund Distributors, Inc. ("MFD") and Nationwide Financial Services, Inc. dated May 2, 2011 with the registration statement under 333-227783, post-effective amendment number 3 filed on September 9, 2019 as document d737458dex9924b39.htm
(42)
Nationwide Financial Services, Inc. and Probabilities Fund Management LLC, dated June 7, 2018 with the registration statement under 333-227783, post-effective amendment number 3 filed on September 9, 2019 as document d737458dex9924b40.htm
i)
Form of Administrative Contracts -
Unless indicated as attached hereto, the following administrative contracts were previously filed and are hereby incorporated by reference.
1)
Administrative Services Agreement with Alliance Fund Distributors, Inc. dated June 3, 2003 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document alliancebersteinasa.htm
2)
Amended and Restated Fund Participation and Shareholder Services Agreement with American Century Investment Services, Inc., as amended, dated September 15, 2004 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document amcentasa99i2.htm
3)
Business Agreement with American Funds Insurance Series, as amended, dated July 20, 2005 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document americanfundsasa.htm
4)
Administrative Services Agreement with BlackRock (formerly FAM Distributors, Inc., and Merrill Lynch Variable Series Funds, Inc.), as amended, dated April 13, 2004 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document blackrockasa.htm
5)
(Calvert) Administrative Service Agreement between Nationwide Financial Services, Inc. and Eaton Vance Management, as amended, dated January 1, 2017 with the registration statement under 333-177439, post-effective amendment number 42 filed on April 25, 2024 as document d777109dex99i6.htm.Portions of this exhibit have been redacted.
6)
Administrative Service Agreement with Columbia Funds Variable Series Trust II, dated December 7, 2015 with the registration statement under 333-177439, post-effective amendment number 34 filed on April 29, 2021 as document d103290dex99i4.htm.Portions of this exhibit have been redacted.
7)
Administrative Services Agreement with Delaware Distributors, L.P., as amended, dated February 5, 2008 with the registration statement under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document delawareasa.htm
8)
Fund Participation Agreement with DFA Investment Dimensions Group, Inc, Dimensional Fund Advisors LP, and DFA Securities LLC, dated February 8, 2012 with the registration statement under 333-149213, post-effective amendment number 7 filed on April 11, 2012 as document dfafpa.htm
9)
Shareholder Servicing Agreement with Eaton Vance Variable Trust dated March 24, 2011 with the registration statement under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document eatonvanceasa.htm
10)
Service Agreement between Fidelity Investments Institutional Operations Company LLC and Nationwide Investment Services Corporation dated October 11, 2023 with the registration statement under 333-177439, post-effective amendment number 42 as document d777109dex99i13.htm.Portions of this exhibit have been redacted.
11)
Service Contract between Fidelity Distributors Company LLC and Nationwide Investment Services Corporation dated October 18, 2023 with the registration statement under 333-177439, post-effective amendment number 42 as document d777109dex99i14.htm.Portions of this exhibit have been redacted.
12)
Administrative Services Agreement with Franklin Templeton Services, LLC, as amended dated May 1, 2003 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document frankasa99i6.htm
13)
Agreement with Goldman, Sachs & Co. dated January 6, 1999 with the registration statement under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document goldmansachsasa.htm
14)
Fund Participation Agreement with Rydex Variable Trust & Rydex Distributors, Inc. dated September 10, 2001 with the registration statement under 333-62692, post-effective amendment number 20 filed on April 18, 2008 as document rydexfundpartagreement.htm
15)
Administrative Services Agreement with AIM Advisors, Inc. dated July 1, 2005 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document aimasa99i1a.htm
16)
Financial Support Agreement with AIM Distributors, Inc. dated July 1, 2005 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document aimasa99i1b.htm
17)
Administrative Services Agreement with Waddell & Reed, Inc., as amended dated December 1, 2000 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document waddellreedasa.htm
18)
Distribution and Shareholder Services Agreement with Janus Distributors, Inc. dated December 31, 1999 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document janusasa99i7.htm
19)
Administrative Services Agreement with Lazard Retirement Series, Inc. dated April 13, 2009 with the registration statement under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document lazardasa.htm
20)
Administrative Services Agreement with Lord Abbett Series Fund, Inc., as amended dated December 31, 2002 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document lordabbettasa.htm
21)
Letter Agreement between MFS Fund Distributors, Inc. ("MFD") and Nationwide Financial Services, Inc. dated January 30, 2013 with the registration statement under 333-227783, post-effective amendment number 3 filed on September 9, 2019 as document d737458dex9924b39.htm
22)
Administrative Services Agreement with Morgan Stanley Distribution, Inc. (The Universal Institutional Funds, Inc.), as amended dated May 5, 2005 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document univasa99i14.htm
23)
Fund Participation Agreement with Nationwide Variable Insurance Trust (formerly, Gartmore Variable Insurance Trust), as amended dated May 2, 2005 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document nwasa99i10.htm
24)
Fund Participation Agreement with Nationwide Variable Insurance Trust (formerly, Gartmore Variable Insurance Trust), American Funds Insurance Series, and Capital Research and Management Company dated May 1, 2007 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document nwfpa99h12b.htm
25)
Service Agreement with Northern Lights Variable Trust. dated February 8, 2012 with the registration statement under 333-155153, post-effective amendment number 6 filed on April 19, 2013 as document d470080dex99i24.htm
26)
Administrative Services Agreement with Pacific Investment Management Company LLC, as amended dated March 28, 2002 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document pimcoasaa.htm
27)
Administrative Services Agreement with PIMCO Variable Insurance Trust, as amended dated March 28, 2002 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document pimcoasab.htm
28)
Fund Participation Agreement with Pioneer Variable Contracts Trust, Pioneer Investment Management, Inc. and Pioneer Funds Distributor, Inc., as amended, dated September 27, 2002 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document pioneerfpa.htm
29)
Administrative Services Agreement with Putnam Retail Management Limited Partnership, as amended dated August 1, 2006 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document putnamasa.htm
30)
Administrative Services Letter Agreement with T. Rowe Price Associates, Inc. and T. Rowe Price International, Inc., as amended dated October 1, 2002 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document troweasa99i13.htm
31)
Administrative Services Agreement with Van Eck Securities Corporation, as amended dated November 3, 1997 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document vaneckasa.htm
32)
Fund Participation Agreement with Vanguard Variable Insurance Fund, The Vanguard Group, Inc., Vanguard Marketing Corporation, as amended dated February 28, 2008 with the registration statement under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document vanguardfpa.htm
33)
Administrative Services Agreement with Wells Fargo Funds Management, LLC and Stephens, Inc., as amended dated November 15, 2004 with the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document wellsfargoasa.htm
34)
Service Agreement with ALPS Advisor, Inc., ALPS Portfolio Solutions Distributor, Inc. and ALPS Variable Investment Trust dated October 10, 2013, as amended, with registration statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as document d145743dex99i32.htm.Portions of this exhibit have been redacted.
35)
Administrative Service Agreement with Fred Alger Management, Inc. and Fred Alger & Company Incorporated dated October 1, 2004, as amended, with registration statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as document d145743dex99i33.htm.Portions of this exhibit have been redacted.
36)
Administrative Service Agreement with FEF Distributors, LLC dated November 1, 2018 with registration statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as document d145743dex99i34.htm.Portions of this exhibit have been redacted.
37)
Administrative Service Agreement with John Hancock Investment Management Services, LLC dated November 1, 2018 with registration statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as document d145743dex99i35.htm.Portions of this exhibit have been redacted.
38)
Administrative Service Agreement with Legg Mason Investor Services, LLC dated July 11, 2008, as amended, with registration statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as document number d145743dex99i36.htm.Portions of this exhibit have been redacted.
39)
(MainStay) Administrative Service Agreement with New York Life Investment Management LLC and NYLIFE Distributors LLC dated May 1, 2016, as amended, with registration statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as document number d145743dex99i37.htm.Portions of this exhibit have been redacted.
40)
Administrative Service Agreement with Redwood Investment Management LLC dated November 1, 2018 with registration statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as document number d145743dex99i38.htm.Portions of this exhibit have been redacted.
41)
(Virtus) Administrative Service Agreement with VP Distributors, LLC dated October 1, 2018, as amended, with registration statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as document number d145743dex99i39.htm.Portions of this exhibit have been redacted.
j)
Not Applicable.
k)
Opinion of Counsel - Filed previously with initial registration statement (333-227783) filed on October 11, 2018 as document d629862dex999.htm
l)
Consent of Independent Registered Public Accounting Firm - Attached hereto.
m)
Not Applicable.
n)
Not Applicable.
o)
Form of Initial Summary Prospectus - Filed previously with Post-Effective Amendment No. 12 on October 23, 2023 (333-227783) and hereby incorporated by reference.
99)
Power of Attorney - Attached hereto.
Item 28. Directors and Officers of the Depositor
The business address of the Directors and Officers of the Depositor is:
One Nationwide Plaza, Columbus, Ohio 43215
President and Chief Operating Officer and Director
Hawley, Craig A.
Executive Vice President-Chief Marketing Officer
Bair, Ann S.
Executive Vice President-Chief Human Resources Officer
Clements, Vinita J.
Executive Vice President-Nationwide Chief Technology Officer
Fowler, James R.
Executive Vice President and Director
Frommeyer, Timothy G.
Executive Vice President-Chief Legal Officer
Howard, Mark S.
Executive Vice President-Chief Customer, Strategy & Innovation Officer
Mahaffey, Michael W.
Senior Vice President-NF Strategic Customer Solutions
Ambrozy, Tina S.
Senior Vice President-Strategic Planning
Amodeo, Daniel W.
Senior Vice President-Corporate Controller and Chief Accounting Officer
Benson, James D.
Senior Vice President-Chief Economist
Bostjancic, Kathleen
Senior Vice President-P&C Legal
Boyer, John N.
Senior Vice President-Human Resources Business Partner
Bretz, Angela D.
Senior Vice President-Internal Audit
Burchwell, Jason E.
Senior Vice President-Nationwide Pet
Carnes, Joel R.M.
Senior Vice President-Chief Technology Officer - Nationwide Financial
Carrel, Michael W.
Senior Vice President-Chief Investment Officer
Coleman, Joel L.
Senior Vice President-Chief Compliance Officer
Dankovic, Rae Ann
Senior Vice President-Chief Risk Officer
Diem, Klaus K.
Senior Vice President-External Affairs
English, Steven M.
Senior Vice President-Trial Division
Failor, Scott E.
Senior Vice President-Corporate Operations & Litigation Legal
Furniss, Natalie T.
Senior Vice President-Chief Financial Officer - Financial Services and Director
Ginnan, Steven A.
Senior Vice President-Chief Financial Officer - Property & Casualty
Guerrero, Oscar
Senior Vice President-Annuity Distribution
Guymon, Rona
Senior Vice President-Human Resources Business Partner
Hairston, Mia S.
Senior Vice President-Operations - E&S/Specialty and Commercial
Henderson, Clayton R.
Senior Vice President-Underwriting Performance - E&S/Specialty and
Commercial
Hespe, Julie
Senior Vice President-Legal - NF
Innis-Thompson, Janice
Senior Vice President-Management Liability & Specialty - E&S/Specialty
Iorio, Thomas A.
Senior Vice President-Marketing - Enterprise Brand Strategy & Activation
Jackson, Richard W.
Senior Vice President-PL Product and Underwriting
Jacobs, Sarah E.
Senior Vice President-Investment Management Group
Jestice, Kevin T.
Senior Vice President-E&S/Specialty and Commercial Lines
Johnston, Russell M.
Senior Vice President-Chief Innovation and Digital Officer
Kandhari, Chetan D.
Senior Vice President-Property & Casualty Commercial Lines
Kempton, Casey E.
Senior Vice President-Chief Technology Officer - Technology Strategy, Data &
Innovation
Kolp, Melanie A.
Senior Vice President-Chief Technology Officer - Corporate Technology
Kuamoo, Misty C.
Senior Vice President-Business Performance - Property & Casualty
Kyung, Jennifer
Senior Vice President-Nationwide Agribusiness
Liggett, Brad R.
Senior Vice President-Programs & Alternative Risk - E&S/Specialty
Lopes, John S.
Senior Vice President-Culture & Talent Acquisition
Lucas, Giavonni
Senior Vice President-Chief Information Security Officer
Lukens, Todd
Senior Vice President-Marketing Management - P&C
MacKenzie, Jennifer B.
Senior Vice President-Group Benefits
Murray, Lindsey E.
Senior Vice President-Contract & Brokerage Underwriting - E&S/Specialty
Nelson, David N.
Senior Vice President-Corporate Development and Finance
O'Brien, Kevin G.
Senior Vice President-Corporate Solutions
Perez, Juan J.
Senior Vice President-Talent & Organization Effectiveness
Pheister, Erin R.
Senior Vice President-Agribusiness Distribution and Underwriting
Pollitt, Dirk
Senior Vice President-Retirement Solutions Sales
Porter, Richard
Senior Vice President-Marketing Management - Financial Services
Rodriguez, Kristi L.
Senior Vice President-Personal Lines Operations
Rommel, Jeff M.
Senior Vice President-Chief Customer Officer
Samuel, Michelle
Senior Vice President-Finance, Strategy & Governance Legal & Corporate
Secretary
Skingle, Denise L.
Senior Vice President-Nationwide Life and Director
Snyder, Holly R.
Senior Vice President-Total Rewards
Sonneman, Christopher P.
Senior Vice President-Retirement Solutions
Stevenson, Eric R.
Senior Vice President-Commercial Lines - Middle Market
Talkowski, Kristina M.
Senior Vice President-Personal Lines Sales & Distribution
Tripp, Michael N.
Senior Vice President-Chief Technology Officer - Property & Casualty
Vasudeva, Guruprasad C.
Senior Vice President-E-Risk Services - E&S/Specialty
Walsh, James
Senior Vice President-Programs - E&S/Specialty
Wayne, Amber M.
Senior Vice President-Human Resources Business Partner
Webster, Cynthia S.
Senior Vice President-Commercial Lines - Small Market
Williams, George M.
Director
Walker, Kirt A.
Item 29. Persons Controlled by or Under Common Control with the Depositor or Registrant.
Following is a list of entities directly or indirectly controlled by or under common control with the depositor or registrant. Ownership is indicated through indentation. Unless otherwise indicated, each subsidiary is either wholly-owned or majority-owned by the parent company immediately preceding it. (For example, Nationwide Fund Distributors, LLC is either wholly-owned or majority owned by NFS Distributors, Inc.) Separate accounts that have been established pursuant to board resolution but are not, and have never been, active are omitted.
Company
Jurisdiction
of Domicile
Brief Description of Business
Nationwide Financial Services, Inc.
Delaware
The company acts primarily as a holding company for
companies within the Nationwide organization that offer
or distribute life insurance, long-term savings and
retirement products.
NFS Distributors, Inc.
Delaware
The company acts primarily as a holding company for
Nationwide Financial Services, Inc. companies.
Nationwide Financial General Agency, Inc.
Pennsylvania
The company is a multi-state licensed insurance agency.
Nationwide Fund Distributors, LLC
Delaware
The company is a limited purpose broker-dealer.
Nationwide Fund Management, LLC
Delaware
The company provides administration, transfer and
dividend disbursing agent services to various mutual
fund entities.
Nationwide Retirement Solutions, Inc.
Delaware
The company markets and administers deferred
compensation plans for public employees.
Nationwide Securities, LLC
Delaware
The company is a general purpose broker-dealer and
investment adviser registered with the Securities and
Exchange Commission.
Nationwide Trust Company, FSB
Federal
This is a federal savings bank chartered by the Office of
Thrift Supervision in the United States Department of
Treasury to exercise deposit, lending, agency, custody
and fiduciary powers and to engage in activities
permissible for federal savings banks under the Home
Owners' Loan Act of 1933.
Nationwide Financial Services Capital Trust
Delaware
The trust's sole purpose is to issue and sell certain
securities representing individual beneficial interests in
the assets of the trust
525 Cleveland Avenue, LLC
Ohio
This is a limited liability company organized under the
laws of the State of Ohio. The company was formed to
provide remedial real property cleanup prior to sale.
Nationwide Life Insurance Company 2
Ohio
The corporation provides individual life insurance, group
and health insurance, fixed and variable annuity products
and other life insurance products.
Jefferson National Life Insurance Company2,3
Texas
The company provides life, health and annuity products.
Jefferson National Life Annuity Company C2,3
A separate account issuing variable annuity products.
Jefferson National Life Annuity Account E2,3
A separate account issuing variable annuity products.
Jefferson National Life Annuity Account F2,3
A separate account issuing variable annuity products.
Jefferson National Life Annuity Account G2,3
A separate account issuing variable annuity products.
Nationwide Jefferson National VA Separate
Account 12,3
New York
A separate account issuing variable annuity products.
MFS Variable Account2,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Multi-Flex Variable Account2,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account2,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-II2,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-32,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-42,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-52,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-62,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-72,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-82,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-92,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-102,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-112,3
Ohio
A separate account issuing variable annuity contracts.
Company
Jurisdiction
of Domicile
Brief Description of Business
Nationwide Variable Account-122,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-132,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-142,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Variable Account-152,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Provident VA Separate Account 12,3
Pennsylvania
A separate account issuing variable annuity contracts.
Nationwide VLI Separate Account2,3
Ohio
A separate account issuing variable life insurance
policies.
Nationwide VLI Separate Account-22,3
Ohio
A separate account issuing variable life insurance
policies.
Nationwide VLI Separate Account-32,3
Ohio
A separate account issuing variable life insurance
policies.
Nationwide VLI Separate Account-42,3
Ohio
A separate account issuing variable life insurance
policies.
Nationwide VLI Separate Account-52,3
Ohio
A separate account issuing variable life insurance
policies.
Nationwide VLI Separate Account-62,3
Ohio
A separate account issuing variable life insurance
policies.
Nationwide VLI Separate Account-72,3
Ohio
A separate account issuing variable life insurance
policies.
Nationwide Provident VLI Separate Account 12,3
Pennsylvania
A separate account issuing variable life insurance
policies.
Nationwide Investment Services Corporation3
Oklahoma
This is a limited purpose broker-dealer and distributor of
variable annuities and variable life products for
Nationwide Life Insurance Company and Nationwide Life
and Annuity Insurance Company. The company also
provides educational services to retirement plan
sponsors and its participants.
Nationwide Financial Assignment Company3
Ohio
The company is an administrator of structured
settlements.
Nationwide Investment Advisors, LLC3
Ohio
The company provides investment advisory services.
Eagle Captive Reinsurance, LLC3
Ohio
The company is engaged in the business of insurance
Nationwide Life and Annuity Insurance
Company2,3
Ohio
The company engages in underwriting life insurance and
granting, purchasing and disposing of annuities.
Nationwide VA Separate Account-A2,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide VA Separate Account-B2,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide VA Separate Account-C2,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide VA Separate Account-D2,3
Ohio
A separate account issuing variable annuity contracts.
Nationwide Provident VA Separate Account
A2,3
Delaware
A separate account issuing variable annuity contracts.
Nationwide VL Separate Account-C2,3
Ohio
A separate account issuing variable life insurance
policies.
Nationwide VL Separate Account-D2,3
Ohio
A separate account issuing variable life insurance
policies.
Nationwide VL Separate Account-G2,3
Ohio
A separate account issuing variable life insurance
policies.
Nationwide Provident VLI Separate
Account A2,3
Delaware
A separate account issuing variable life insurance
policies.
Olentangy Reinsurance, LLC3
Vermont
The company is a captive life reinsurance company.
Nationwide SBL, LLC
Ohio
The company is a lender offering securities-back lines of
credit.
Nationwide Life and Benefits Insurance
Company (fka Direct General Life Insurance
Company)
South Carolina
The Company is a South Carolina stock life insurance
company that previously offered a life product only, but is
filing stop loss products in majority of states and a fully
insured small group health product in a limited number of
states.
NSM Sales Corporation
Nevada
The Company is a sales and distribution organization for
group health product and ancillary third-party products.
Company
Jurisdiction
of Domicile
Brief Description of Business
The Association Benefits Solution, LLC
Delaware
The Company is a Program Manager for self-funded
group health program where it coordinates and manages
offerings to employers looking for an "off the shelf"
solution to self-fund employee health plans.
Registered Investment Advisors Services, Inc.
Texas
The company is a technology company that facilitates
third-party money management services for registered
investment advisors
Nationwide Fund Advisors4
Delaware
The trust acts as a registered investment advisor.
1
This subsidiary/entity is controlled by its immediate parent through contractual association.
2
This subsidiary/entity files separate financial statements.
3
Information for this subsidiary/entity is included in the consolidated financial statements of its immediate parent.
4
This subsidiary/entity is a business trust.
Item 30. Indemnification
Provision is made in Nationwide's Amended and Restated Code of Regulations and expressly authorized by the General Corporation Law of the State of Ohio, for indemnification by Nationwide of any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative by reason of the fact that such person is or was a director, officer or employee of Nationwide, against expenses, including attorneys fees, judgments, fines and amounts paid in settlement actually and reasonably incurred by such person in connection with such action, suit or proceeding, to the extent and under the circumstances permitted by the General Corporation Law of the State of Ohio.
Insofar as indemnification for liabilities arising under the Securities Act of 1933 ("Act") may be permitted to directors, officers or persons controlling Nationwide pursuant to the foregoing provisions, Nationwide has been informed that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.
Item 31. Principal Underwriter
Nationwide Investment Services Corporation ("NISC")
a)
NISC serves as principal underwriter and general distributor for the following separate investment accounts of Nationwide or its affiliates:
Jefferson National Life Annuity Account C
Nationwide Variable Account-14
Jefferson National Life Annuity Account E
Nationwide Variable Account-15
Jefferson National Life Annuity Account F
Nationwide VA Separate Account-A
Jefferson National Life Annuity Account G
Nationwide VA Separate Account-B
Nationwide Jefferson National VA Separate Account 1
Nationwide VA Separate Account-C
MFS Variable Account
Nationwide VA Separate Account-D
Multi-Flex Variable Account
Nationwide VLI Separate Account
Nationwide Variable Account
Nationwide VLI Separate Account-2
Nationwide Variable Account-II
Nationwide VLI Separate Account-3
Nationwide Variable Account-3
Nationwide VLI Separate Account-4
Nationwide Variable Account-4
Nationwide VLI Separate Account-5
Nationwide Variable Account-5
Nationwide VLI Separate Account-6
Nationwide Variable Account-6
Nationwide VLI Separate Account-7
Nationwide Variable Account-7
Nationwide VL Separate Account-C
Nationwide Variable Account-8
Nationwide VL Separate Account-D
Nationwide Variable Account-9
Nationwide VL Separate Account-G
Nationwide Variable Account-10
Nationwide Provident VA Separate Account 1
Nationwide Variable Account-11
Nationwide Provident VA Separate Account A
Nationwide Variable Account-12
Nationwide Provident VLI Separate Account 1
Nationwide Variable Account-13
Nationwide Provident VLI Separate Account A
b)
Directors and Officers of NISC:
President and Director
Ambrozy, Tina S.
Senior Vice President and Secretary
Skingle, Denise L.
Vice President and Assistant Secretary
Garman, David A.
Vice President-Chief Compliance Officer
Rabenstine, James J.
Vice President-Chief Tax Officer
Scheiderer, Kevin P.
Vice President-CFO - Life Insurance
Wild, Keith D.
Associate Vice President-NF Compliance - Strategic Customer Solutions
Deleget, J. Brian
Associate Vice President and Assistant Treasurer
Hacker, Hope C.
Associate Vice President and Assistant Treasurer
Radabaugh, Nathan
Associate Vice President and Treasurer
Roswell, Ewan T.
Associate Vice President and Assistant Treasurer
Walker, Tonya G.
Assistant Secretary
Bowman, Heidi K.
Assistant Secretary
Dokko, David H.
Assistant Secretary
Hartman, Mark E.
Director
Hawley, Craig A.
Director
Stevenson, Eric
The business address of the Directors and Officers of NISC is:
One Nationwide Plaza, Columbus, Ohio 43215.
c)
Name of Principal Underwriter
Net Underwriting
Discounts
Compensation on
Redemption
Brokerage
Commissions
Other
Compensation
Nationwide Investment Services Corporation
N/A
N/A
N/A
N/A
Item 32. Location of Accounts and Records
Steven A. Ginnan
Nationwide Life Insurance Company
One Nationwide Plaza
Columbus, OH 43215
Item 33. Management Services
Not Applicable
Item 34. Fee Representation
Nationwide Life Insurance Company represents that the fees and charges deducted under the contract in the aggregate are reasonable in relation to the services rendered, the expenses expected to be incurred and risks assumed by Nationwide Life Insurance Company.
SIGNATURES
Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets the requirements of Rule 485(b) under the Securities Act of 1933 for effectiveness of the Registration Statement and has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Columbus, and State of Ohio, on October 10, 2025.
Nationwide Variable Account-15
(Registrant)
By: /s/ Craig A. Hawley*
Craig A. Hawley
President and Chief Operating Officer
Nationwide Life Insurance Company
(Depositor)
By: /s/ Craig A. Hawley*
Craig A. Hawley
President and Chief Operating Officer
Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities indicated, on October 10, 2025.
/s/ CRAIG A. HAWLEY*
Craig A. Hawley, President and Chief Operating Officer
and Director (Principal Executive Officer)
/s/ HOLLY R. SNYDER*
Holly R. Snyder, Senior Vice President-Nationwide Life
and Director
/s/ TIMOTHY G. FROMMEYER*
Timothy G. Frommeyer, Executive Vice President and
Director
/s/ STEVEN A. GINNAN*
Steven A. Ginnan, Senior Vice President-Chief Financial
Officer - Financial Services and Director
(Chief Financial Officer)
/s/ KIRT A. WALKER*
Director
/s/ JAMES D. BENSON*
James D. Benson, Senior Vice President-Corporate
Controller and Chief Accounting Officer
(Principal Accounting Officer)
*By: /s/ Jamie Ruff Casto
Jamie Ruff Casto
Attorney-in-Fact
Pursuant to Power of Attorney
Nationwide Variable Account-15 published this content on October 10, 2025, and is solely responsible for the information contained herein. Distributed via EDGAR on October 10, 2025 at 13:24 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]