Nationwide Variable Account II
04/27/2026 | Press release | Distributed by Public on 04/27/2026 11:44
Updating Summary Prospectus (Form 497VPU)
Nationwide DestinationSM [B] 2.0
Individual Flexible Premium Deferred Variable Annuity Contracts
Issued by
Nationwide Life Insurance Company
through its
Nationwide Variable Account-II
Updating Summary Prospectus
May 1, 2026
This summary prospectus summarizes key features of the contract.
The statutory prospectus for the contract contains more information about the contract, including 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/C000109061NW/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.
Additional information about certain investment products, including variable annuities, has been prepared by the SEC's staff and is available at Investor.gov.
All guarantees under the contract are subject to Nationwide's creditworthiness and claims-paying ability.
1
Glossary of Special Terms
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Accumulation Unit - An accounting unit of measure used to calculate the Contract Value allocated to the Variable
Account before the Annuitization Date.
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Annuitization Date - The date on which annuity payments begin.
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Contract Owner(s) - The person(s) who owns all rights under the contract.
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Contract Value - The value of all Accumulation Units in a contract plus any amount held in the Fixed Account.
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Current Income Benefit Base - For purposes of the Nationwide Lifetime Income Rider Plus Core, Nationwide
Lifetime Income Rider Plus Accelerated, Nationwide Lifetime Income Rider Plus Max, 7% Nationwide Lifetime
Income Rider, Nationwide Lifetime Income Capture option, and Nationwide Lifetime Income Track option, it is equal
to the Original Income Benefit Base adjusted throughout the life of the contract to account for subsequent purchase
payments, excess withdrawals, early withdrawals (if applicable), reset opportunities, and if elected, the Non-Lifetime
Withdrawal. This amount is multiplied by the Lifetime Withdrawal Percentage to arrive at the Lifetime Withdrawal
Amount.
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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.
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General Account - All assets of Nationwide other than those of the Variable Account or in other separate accounts of
Nationwide.
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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.
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Interest Anniversary Rate - The compound interest rate used in the calculation of the interest anniversary value for
the Combination Enhanced Death Benefit III Option.
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Investment-Only Contract - A contract purchased by a qualified pension, profit-sharing, or stock bonus plan as
defined by Section 401(a) of the Internal Revenue Code.
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Lifetime Withdrawal - For purposes of the Nationwide Lifetime Income Rider Plus Core, Nationwide Lifetime Income
Rider Plus Accelerated, Nationwide Lifetime Income Rider Plus Max, 7% Nationwide Lifetime Income Rider,
Nationwide Lifetime Income Capture option, and Nationwide Lifetime Income Track option, it is a withdrawal of all or
a portion of the Lifetime Withdrawal Amount.
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Lifetime Withdrawal Amount - For purposes of the Nationwide Lifetime Income Rider Plus Core, Nationwide Lifetime
Income Rider Plus Accelerated, and Nationwide Lifetime Income Rider Plus Max, 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.
For purposes of the 7% Nationwide Lifetime Income Rider, Nationwide Lifetime Income Capture option, or
Nationwide Lifetime Income Track option, the maximum amount that can be withdrawn between Contract/Option
Anniversaries (and after the Withdrawal Start Date for the Nationwide Lifetime Income Track option) without reducing
the Current Income Benefit Base. It is calculated annually, on each Contract/Option Anniversary, by multiplying the
Current Income Benefit Base by the Lifetime Withdrawal Percentage.
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Lifetime Withdrawal Percentage - An age-based percentage used to determine the Lifetime Withdrawal Amount
under the Nationwide Lifetime Income Rider Plus Core, Nationwide Lifetime Income Rider Plus Accelerated,
Nationwide Lifetime Income Rider Plus Max, 7% Nationwide Lifetime Income Rider, Nationwide Lifetime Income
Capture option, and Nationwide Lifetime Income Track option. The applicable percentage is multiplied by the Current
Income Benefit Base to arrive at the Lifetime Withdrawal Amount for any given year. The Rate Sheet Supplement
discloses the Lifetime Withdrawal Percentages that are currently available for new contracts.
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Nationwide - Nationwide Life Insurance Company.
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Non-Lifetime Withdrawal - For purposes of the Nationwide Lifetime Income Rider Plus Core, Nationwide Lifetime
Income Rider Plus Accelerated, Nationwide Lifetime Income Rider Plus Max, 7% Nationwide Lifetime Income Rider,
Nationwide Lifetime Income Capture option, and Nationwide Lifetime Income Track option, a one-time only election
to take a withdrawal from the contract that will not initiate the benefit under the option.
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2
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Original Income Benefit Base - For purposes of the Nationwide Lifetime Income Rider Plus Core, Nationwide
Lifetime Income Rider Plus Accelerated, Nationwide Lifetime Income Rider Plus Max, 7% Nationwide Lifetime
Income Rider, Nationwide Lifetime Income Capture option, and Nationwide Lifetime Income Track option, the initial
benefit base calculated on the date the option is elected, which is equal to the Contract Value.
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Qualified Plan - A retirement plan that receives favorable tax treatment under Section 401 of the Internal Revenue
Code, including Investment-Only Contracts. In this prospectus, all provisions applicable to Qualified Plans also apply
to Investment-Only Contracts unless specifically stated otherwise.
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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.
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Roll-up Crediting Period - For purposes of the Nationwide Lifetime Income Rider Plus Core, Nationwide Lifetime
Income Rider Plus Accelerated, and Nationwide Lifetime Income Rider Plus Max, 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.
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Roll-up Interest Rate - For purposes of the Nationwide Lifetime Income Rider Plus Core, Nationwide Lifetime Income
Rider Plus Accelerated, and Nationwide Lifetime Income Rider Plus Max, the simple interest rate used to determine
the roll-up in the calculation of the Current Income Benefit Base. The Rate Sheet Supplement discloses the Roll-up
Interest Rate that are currently available for new contracts. For purposes of the Nationwide Lifetime Income Capture
option, the indexed simple interest rate used to determine the roll-up in the calculation of the Current Income Benefit
Base.
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Roth IRA - An annuity contract that qualifies for favorable tax treatment under Section 408A of the Internal Revenue
Code.
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SEC - Securities and Exchange Commission.
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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.
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Sub-Accounts - Divisions of the Variable Account, each of which invests in a single underlying mutual fund.
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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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3
Updated Information About Your Contract
The information in this updating summary prospectus is a summary of certain contract features that have changed since the statutory prospectus dated May 1, 2025. This may not reflect all of the changes that have occurred since you entered into your contract.
Changes to investment option availability:
Additions
The following underlying mutual fund(s) is/are available as an investment option effective May 1, 2026:
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Columbia Funds Variable Insurance Trust - Columbia Variable Portfolio - Small Cap Value Discovery Fund: Class 2
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Columbia Funds Variable Insurance Trust - Columbia Variable Portfolio - Small Company Growth Fund: Class 2
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Columbia Funds Variable Series Trust II - Columbia Variable Portfolio - Commodity Strategy Fund: Class 2
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Columbia Funds Variable Series Trust II - Columbia Variable Portfolio - Select Corporate Income Fund: Class 2
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Columbia Funds Variable Series Trust II - Columbia Variable Portfolio - Select Mid Cap Growth Fund: Class 2
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Columbia Funds Variable Series Trust II - Columbia Variable Portfolio - Select Short Corporate Income Fund: Class 2
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Deutsche DWS Variable Series II - DWS Alternative Asset Allocation VIP: Class B
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Fidelity Variable Insurance Products Fund - VIP Value Portfolio: Service Class 2
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Goldman Sachs Variable Insurance Trust - Goldman Sachs Mid Cap Growth Fund: Service Shares
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Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series II
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New Age Alpha Variable Funds Trust - NAA Large Growth Series
The following underlying mutual fund(s) is/are available as an investment option effective June 20, 2025:
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Nationwide Variable Insurance Trust - NVIT Fidelity Institutional AM(R) Emerging Markets Fund: Class I
Wall-Offs
The following underlying mutual fund(s) is/are only available in contracts for which good order applications were received before May 1, 2026:
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Nationwide Variable Insurance Trust - NVIT Blueprint(R) Managed Growth & Income Fund: Class II
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Nationwide Variable Insurance Trust - NVIT Blueprint(R) Managed Growth Fund: Class II
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Nationwide Variable Insurance Trust - NVIT GQG US Quality Equity Fund: Class II
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Nationwide Variable Insurance Trust - NVIT Investor Destinations Managed Growth & Income Fund: Class II
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Nationwide Variable Insurance Trust - NVIT Investor Destinations Managed Growth Fund: Class II
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Nationwide Variable Insurance Trust - NVIT iShares Fixed Income ETF Fund: Class II
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Nationwide Variable Insurance Trust - NVIT Managed American Funds Asset Allocation Fund: Class II
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Nationwide Variable Insurance Trust - NVIT Managed American Funds Growth-Income Fund: Class II
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Ivy Variable Insurance Portfolios - Nomura VIP Mid Cap Growth Series: Service Class
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T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap Growth Portfolio: II
Closures
The following underlying mutual fund(s) is/are no longer available to receive transfers or new purchase payments effective April 10, 2026:
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PIMCO Variable Insurance Trust - International Bond Portfolio (Unhedged): Advisor Class
The following underlying mutual fund(s) is/are no longer available to receive transfers or new purchase payments effective June 20, 2025:
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Nationwide Variable Insurance Trust - NVIT Fidelity Institutional AM(R) Emerging Markets Fund: Class II
Re-Opening
The following underlying mutual fund(s) is/are available to all contracts effective June 20, 2025:
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Nationwide Variable Insurance Trust - NVIT Fidelity Institutional AM(R) Emerging Markets Fund: Class I
Mergers
The following underlying mutual fund(s) is/are merged effective October 24, 2025:
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From Fund
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Acquiring Fund
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Nationwide Variable Insurance Trust - NVIT NS Partners
International Focused Growth Fund: Class II
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Nationwide Variable Insurance Trust - NVIT International Equity
Fund: Class II
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4
Liquidations
The following underlying mutual fund(s) was liquidated effective April 28, 2026:
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PIMCO Variable Insurance Trust - International Bond Portfolio (Unhedged): Advisor Class
Substitutions
The following underlying mutual fund(s) is/are substituted effective November 14, 2025:
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Column A
Existing Fund(s)
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Column B
Replacement Fund(s)
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MFS® Variable Insurance Trust - MFS Value Series: Service
Class
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Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic
U.S. Equity Income: Class Z
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Fidelity Variable Insurance Products - Emerging Markets
Portfolio: Service Class 2
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Nationwide Variable Insurance Trust - NVIT Fidelity Institutional
AM(R) Emerging Markets Fund: Class I
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Invesco - Invesco V.I. Global Fund: Series II
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Nationwide Variable Insurance Trust - NVIT Fidelity Institutional
AM(R) Worldwide Fund: Class II
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MFS® Variable Insurance Trust II - MFS Research International
Portfolio: Service Class
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Nationwide Variable Insurance Trust - NVIT International Index
Fund: Class VIII
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American Funds Insurance Series® - Managed Risk Asset
Allocation Fund: Class P2
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Nationwide Variable Insurance Trust - NVIT Investor Destinations
Capital Appreciation Fund: Class II
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Lincoln Variable Insurance Products Trust - LVIP American
Century Inflation Protection Fund: Service Class
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Nationwide Variable Insurance Trust - NVIT J.P. Morgan Inflation
Managed Fund: Class II
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PIMCO Variable Insurance Trust - Real Return Portfolio: Advisor
Class
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Nationwide Variable Insurance Trust - NVIT J.P. Morgan Inflation
Managed Fund: Class II
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Janus Aspen Series - Janus Henderson Forty Portfolio: Service
Shares
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Nationwide Variable Insurance Trust - NVIT J.P. Morgan Large
Cap Growth Fund: Class II
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Morgan Stanley Variable Insurance Fund, Inc. - Growth Portfolio:
Class II
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Nationwide Variable Insurance Trust - NVIT NASDAQ-100 Index
Fund: Class II
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Putnam Variable Trust - Putnam VT International Value Fund:
Class IB
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Nationwide Variable Insurance Trust - NVIT Putnam International
Value Fund: Class Z
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PIMCO Variable Insurance Trust - Income Portfolio: Advisor
Class
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Nationwide Variable Insurance Trust - NVIT Strategic Income
Fund: Class I
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Lincoln Variable Insurance Products Trust - LVIP American
Century Mid Cap Value Fund: Service Class
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Nationwide Variable Insurance Trust - NVIT Victory Mid Cap
Value Fund: Class II
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Product disclosure changes:
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The Overview of the Contract section, the Important Information You Should Consider About the Contract section, the Fee Table section, and the Benefits Under the Contract section have all been amended to comply with new SEC form requirements. In particular, the Overview of the Contract section and the Important Information You Should Consider About the Contract section are reordered, and the Important Information You Should Consider About the Contract section is restated in a question-and-answer format.
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A new Financial Intermediary Variations appendix was added with additional disclosure related to any such restrictions.
5
Important Information You Should Consider About the Contract
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FEES, EXPENSES, AND ADJUSTMENTS
(see Fee Table and Charges and Adjustments in the statutory prospectus)
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Are There Charges or
Adjustments for Early
Withdrawals?
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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.
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Are There Ongoing Fees
and Expenses?
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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.
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Annual Fee
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Minimum
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Maximum
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Base Contract
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1.30%1
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1.33%1
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Underlying mutual fund fees and expenses
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0.41%2
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2.32%2
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Optional benefits available for an additional
charge (for a single optional benefit, if elected)
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0.20%3
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1.60%3
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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.
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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.
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Lowest Annual Cost Estimate:
$1,584.24
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Highest Annual Cost Estimate:
$5,306.12
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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
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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
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RISKS
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Is There a Risk of Loss
from Poor Performance?
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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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6
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RISKS
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Is this a Short-Term
Investment?
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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). Withdrawals may be
subject to taxes and tax penalties. The benefits of tax deferral and living benefit
protections also mean that the contract is more beneficial to investors with a long time
horizon (see Principal Risks in the statutory prospectus).
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).
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What Are the Risks
Associated with the
Investment Options?
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● 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.
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What Are the Risks
Related to the Insurance
Company?
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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 in the statutory prospectus (see Principal Risks in the
statutory prospectus).
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RESTRICTIONS
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Are There Restrictions
on the Investment
Options?
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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).
● Not all investment options may be available under your contract (see Appendix:
Investment Options Available Under the Contract).
● 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 L: Financial Intermediary Variations in the
statutory prospectus).
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7
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RESTRICTIONS
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Are There any
Restrictions on Contract
Benefits?
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● 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 certain optional benefits may vary by state.
● The availability of contract benefits may vary depending on the broker-dealer through
which the contract is sold (see Appendix L: Financial Intermediary Variations in the
statutory prospectus).
See Benefits Under the Contract in the statutory prospectus.
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TAXES
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What Are the Contract's
Tax Implications?
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● Consult with a tax professional to determine the tax implications of an investment in and
payments received under this contract.
● If the contract is purchased through a tax-qualified plan or IRA, there is no additional tax
deferral.
● Earnings in the contract are taxed at ordinary income tax rates at the time of
withdrawals and there may be a tax penalty if withdrawals are taken before the Contract
Owner reaches age 59½.
See Appendix C: Contract Types and Tax Information in the statutory prospectus.
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CONFLICTS OF INTEREST
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How Are Investment
Professionals
Compensated?
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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).
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Should I Exchange My
Contract?
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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).
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8
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/C000109061NW/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 L: 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.
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Type
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Underlying Mutual Fund and Adviser/Subadviser
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Current
Expenses
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Average Annual Total
Returns
(as of 12/31/2025)
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1 year
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5 year
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10 year
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Equity
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AllianceBernstein Variable Products Series Fund, Inc. - AB
VPS Discovery Value Portfolio: Class B
Investment Advisor: AllianceBernstein L.P.
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1.07%
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2.64%
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8.48%
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8.27%
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Equity
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AllianceBernstein Variable Products Series Fund, Inc. - AB
VPS International Value Portfolio: Class B
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2020
Investment Advisor: AllianceBernstein L.P.
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1.15%*
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41.27%
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10.19%
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6.37%
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Equity
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AllianceBernstein Variable Products Series Fund, Inc. - AB
VPS Large Cap Growth Portfolio: Class B
Investment Advisor: AllianceBernstein L.P.
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0.90%
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12.85%
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11.76%
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15.88%
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Equity
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AllianceBernstein Variable Products Series Fund, Inc. - AB
VPS Relative Value Portfolio: Class A
Investment Advisor: AllianceBernstein L.P.
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0.59%*
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10.47%
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11.42%
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10.57%
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Equity
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Allspring Variable Trust - VT Small Cap Growth Fund: Class 2
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2024
Investment Advisor: Allspring Funds Management, LLC
Sub-Advisor: Allspring Global Investments, LLC
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1.16%
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9.25%
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-0.96%
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9.94%
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Allocation
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American Funds Insurance Series® - American Funds®
Global Balanced Fund: Class 4
Investment Advisor: Capital Research and Management Company
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1.01%*
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16.96%
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5.85%
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7.43%
|
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Fixed Income
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American Funds Insurance Series® - American High-Income
Trust: Class 4
Investment Advisor: Capital Research and Management Company
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0.83%*
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7.94%
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5.33%
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6.68%
|
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Allocation
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American Funds Insurance Series® - Capital Income
Builder®: Class 4
Investment Advisor: Capital Research and Management Company
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0.78%*
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20.16%
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8.82%
|
7.32%
|
|
Equity
|
American Funds Insurance Series® - Global Small
Capitalization Fund: Class 4
Investment Advisor: Capital Research and Management Company
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1.15%*
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14.33%
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0.23%
|
6.96%
|
|
Equity
|
American Funds Insurance Series® - New World Fund®:
Class 4
Investment Advisor: Capital Research and Management Company
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1.07%*
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27.93%
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5.06%
|
8.98%
|
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Fixed Income
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American Funds Insurance Series® - U.S. Government
Securities Fund: Class 2
Investment Advisor: Capital Research and Management Company
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0.50%*
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7.75%
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-0.23%
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1.70%
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9
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Type
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Underlying Mutual Fund and Adviser/Subadviser
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Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2025)
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1 year
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5 year
|
10 year
|
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Equity
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American Funds Insurance Series® - Washington Mutual
Investors Fund: Class 4
Investment Advisor: Capital Research and Management Company
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0.75%*
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16.90%
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13.60%
|
12.08%
|
|
Fixed Income
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BlackRock Variable Series Funds II, Inc. - BlackRock High
Yield V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Investment Sub-Advisor: BlackRock International Limited
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0.78%*
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8.52%
|
4.47%
|
6.02%
|
|
Fixed Income
|
BlackRock Variable Series Funds II, Inc. - BlackRock Total
Return V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Investment 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%
|
|
Equity
|
BlackRock Variable Series Funds, Inc. - BlackRock Equity
Dividend V.I. Fund: Class III
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2017
Investment Advisor: BlackRock Advisors, LLC
|
0.93%*
|
21.32%
|
11.45%
|
11.01%
|
|
Allocation
|
BlackRock Variable Series Funds, Inc. - BlackRock Global
Allocation V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Investment Sub-Advisor: BlackRock International Limited and
BlackRock (Singapore) Limited
|
1.01%*
|
19.51%
|
5.51%
|
7.33%
|
|
Equity
|
BNY Mellon Investment Portfolios - MidCap Stock Portfolio:
Service Shares
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2021
Investment Advisor: BNY Mellon Investment Adviser, Inc.
Sub-Advisor: Newton Investment Management North America,
LLC
|
1.05%*
|
9.81%
|
9.39%
|
8.51%
|
|
Equity
|
BNY Mellon Investment Portfolios - Small Cap Stock Index
Portfolio: Service Shares
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2013
Investment Advisor: BNY Mellon Investment Adviser, Inc.
|
0.61%
|
5.36%
|
6.65%
|
9.15%
|
|
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
Investment 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%
|
10
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Real Assets
|
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - Commodity Strategy Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors,
LLC
|
1.00%*
|
15.30%
|
12.44%
|
6.46%
|
|
Fixed Income
|
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - High Yield Bond Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors,
LLC
|
0.89%*
|
8.49%
|
3.93%
|
5.51%
|
|
Fixed Income
|
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - Select Corporate Income Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors,
LLC
|
0.72%*
|
7.55%
|
1.20%
|
1.94%
|
|
Equity
|
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - Select Mid Cap Growth Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors,
LLC
|
1.07%*
|
14.86%
|
7.26%
|
11.89%
|
|
Fixed Income
|
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - Select Short Corporate Income Fund: Class 2
Investment Advisor: Columbia Management Investment Advisors,
LLC
|
0.66%*
|
6.00%
|
1.90%
|
2.94%
|
|
Equity
|
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.
Investment Sub-Advisor: RREEF America L.L.C.
|
1.26%
|
10.03%
|
4.88%
|
4.52%
|
|
Fixed Income
|
Eaton Vance Variable Trust - Eaton Vance VT Floating-Rate
Income Fund: Initial Class
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2023
Investment Advisor: Eaton Vance Management
|
1.19%
|
3.95%
|
4.64%
|
4.43%
|
|
Allocation
|
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2010 Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2023
Investment Advisor: Fidelity Management & Research Company
LLC
|
0.63%
|
10.26%
|
2.89%
|
5.46%
|
|
Allocation
|
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2020 Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2023
Investment Advisor: Fidelity Management & Research Company
LLC
|
0.69%
|
12.99%
|
4.57%
|
7.11%
|
|
Allocation
|
Fidelity Variable Insurance Products Fund - Fidelity VIP
Freedom Fund 2030 Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2023
Investment Advisor: Fidelity Management & Research Company
LLC
|
0.74%
|
15.16%
|
5.98%
|
8.61%
|
11
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Allocation
|
Fidelity Variable Insurance Products Fund - VIP Balanced
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Investment 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
Investment 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
Investment 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
Investment 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
Investment 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
Investment Sub-Advisor: FMR Investment Management (UK)
Limited, Fidelity Management & Research (Hong Kong) Limited,
Fidelity Management & Research (Japan) Limited
|
0.72%
|
21.21%
|
15.83%
|
13.56%
|
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Growth
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Investment 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
Investment 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%
|
12
|
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 Mid Cap
Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2017
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%
|
11.49%
|
9.83%
|
10.31%
|
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Overseas
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Investment 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 Real Estate
Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2023
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%
|
2.90%
|
3.98%
|
3.61%
|
|
Equity
|
Fidelity Variable Insurance Products Fund - VIP Value
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company
LLC
Investment 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
Investment 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%
|
|
Allocation
|
Franklin Templeton Variable Insurance Products Trust -
Franklin Allocation VIP Fund: Class 2
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2021
Investment Advisor: Franklin Advisers, Inc.
Sub-Advisor: Brandywine Global Investment Management, LLC
(Brandywine); ClearBridge Investments, LLC (ClearBridge);
Franklin Templeton Institutional, LLC (FT Institutional); Templeton
Global Advisors Limited (Global Advisors)
|
0.82%*
|
12.60%
|
5.73%
|
7.32%
|
|
Allocation
|
Franklin Templeton Variable Insurance Products Trust -
Franklin Income VIP Fund: Class 2
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2022
Investment Advisor: Franklin Advisers, Inc.
|
0.72%
|
12.56%
|
7.66%
|
7.30%
|
|
Equity
|
Franklin Templeton Variable Insurance Products Trust -
Franklin Small Cap Value VIP Fund: Class 2
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2013
Investment Advisor: Franklin Mutual Advisers, LLC
|
0.91%*
|
7.65%
|
8.86%
|
9.81%
|
13
|
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
|
Franklin Templeton Variable Insurance Products Trust -
Templeton Global Bond VIP Fund: Class 2
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2019
Investment Advisor: Franklin Advisers, Inc.
|
0.75%*
|
15.73%
|
-0.96%
|
-0.15%
|
|
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%
|
|
Allocation
|
Goldman Sachs Variable Insurance Trust - Goldman Sachs
Trend Driven Allocation Fund: Service Shares
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2018
Investment Advisor: Goldman Sachs Asset Management, L.P.
|
0.96%*
|
9.89%
|
5.92%
|
5.78%
|
|
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 Mid Cap Fund: Series II
Shares
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2015
Investment Advisor: Invesco Advisers, Inc.
|
1.19%
|
8.97%
|
8.83%
|
9.08%
|
|
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
|
Ivy Variable Insurance Portfolios - Nomura VIP Asset Strategy
Series: Service Class
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2017
Investment Advisor: Delaware Management Company, a series of
Nomura Investment Management Business Trust (a Delaware
statutory trust)
Sub-Advisor: Macquarie Investment Management Global Limited
|
0.77%*
|
16.66%
|
7.07%
|
7.84%
|
|
Fixed Income
|
Ivy Variable Insurance Portfolios - Nomura VIP High Income
Series: Service Class
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2017
Investment Advisor: Delaware Management Company, a series of
Nomura Investment Management Business Trust (a Delaware
statutory trust)
|
0.97%
|
7.17%
|
3.73%
|
5.56%
|
|
Equity
|
Ivy Variable Insurance Portfolios - Nomura VIP Mid Cap
Growth Series: Service Class
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2026
Investment Advisor: Delaware Management Company, a series of
Nomura Investment Management Business Trust (a Delaware
statutory trust)
|
1.10%*
|
1.18%
|
-0.08%
|
10.66%
|
|
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%
|
14
|
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
Investment Sub-Advisor: ClearBridge Investments, LLC
|
1.06%
|
8.97%
|
-0.42%
|
9.11%
|
|
Equity
|
Lincoln Variable Insurance Products Trust - LVIP American
Century Value Fund: Service Class
This underlying mutual fund is only available in contracts for which
good order applications were received before April 26, 2024
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: American Century Investment Management, Inc.
|
0.86%*
|
15.85%
|
11.47%
|
10.07%
|
|
Fixed Income
|
Lincoln Variable Insurance Products Trust - LVIP JPMorgan
Core Bond Fund: Service Class
This underlying mutual fund is only available in contracts for which
good order applications were received before April 28, 2023
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: J.P. Morgan Investment Management Inc.
|
0.71%
|
7.15%
|
-0.29%
|
1.85%
|
|
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
Investment 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%
|
15
|
Type
|
Underlying Mutual Fund and Adviser/Subadviser
|
Current
Expenses
|
Average Annual Total
Returns
(as of 12/31/2025)
|
||
|
1 year
|
5 year
|
10 year
|
|||
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT American Funds
Bond Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
|
0.85%*
|
6.73%
|
-0.54%
|
1.96%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT American Funds
Global Growth Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
|
1.04%*
|
21.21%
|
7.82%
|
11.73%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT American Funds
Growth Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
|
0.97%*
|
19.78%
|
12.94%
|
17.52%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT American Funds
Growth-Income Fund: Class II
Investment Advisor: Capital Research and Management
Company, Nationwide Fund Advisors
|
0.91%*
|
17.64%
|
13.48%
|
13.48%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT BlackRock Equity
Dividend Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment 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
Investment 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®
Managed Growth & Income Fund: Class II
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2026
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.94%*
|
9.17%
|
4.84%
|
5.49%
|
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint®
Managed Growth Fund: Class II
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2026
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.93%*
|
10.02%
|
6.09%
|
6.83%
|
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Blueprint®
Moderate Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment 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%
|
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
|
|||
|
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
Investment 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 II
This underlying mutual fund is no longer available to receive
transfers or new purchase payments effective September 11,
2020
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Newton Investment Management Limited
|
0.93%*
|
18.43%
|
14.45%
|
11.53%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT BNY Mellon
Dynamic U.S. Equity Income: Class Z
Investment Advisor: Nationwide Fund Advisors
Investment 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
Investment 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
Investment Sub-Advisor: FIAM LLC
|
1.12%*
|
36.15%
|
1.01%
|
6.31%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Fidelity
Institutional AM® Emerging Markets Fund: Class II
This underlying mutual fund is no longer available to receive
transfers or new purchase payments effective June 20, 2025
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: FIAM LLC
|
1.37%*
|
35.78%
|
0.75%
|
6.04%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Fidelity
Institutional AM® Worldwide Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: FIAM LLC
|
1.05%*
|
|||
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT Government
Bond Fund: Class I
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2022
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.69%*
|
7.00%
|
-0.62%
|
1.17%
|
|
Capital Preservation
|
Nationwide Variable Insurance Trust - NVIT Government
Money Market Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Federated Investment Management
Company
|
0.47%
|
3.91%
|
2.95%
|
1.85%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT GQG US Quality
Equity Fund: Class II
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2026
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Atlanta Capital Management Company, LLC
|
0.87%*
|
2.04%
|
5.46%
|
8.62%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT International
Equity Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Lazard Asset Management LLC
|
1.13%*
|
38.97%
|
12.52%
|
9.67%
|
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
|
Nationwide Variable Insurance Trust - NVIT International
Index Fund: Class VIII
Investment Advisor: Nationwide Fund Advisors
Investment 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
Investment 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 Managed Growth & Income Fund: Class II
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2026
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.92%*
|
9.42%
|
4.04%
|
5.06%
|
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Investor
Destinations Managed Growth Fund: Class II
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2026
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.96%*
|
10.69%
|
5.33%
|
6.44%
|
|
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%
|
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT iShares® Fixed
Income ETF Fund: Class II
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2026
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC
|
0.72%*
|
6.33%
|
-0.96%
|
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT iShares® Global
Equity ETF Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment 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
Investment Sub-Advisor: J.P. Morgan Investment Management Inc.
|
0.96%*
|
32.66%
|
||
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
|
Nationwide Variable Insurance Trust - NVIT J.P. Morgan
Equity and Options Total Return Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment 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
Investment Sub-Advisor: J.P. Morgan Investment Management Inc.
|
0.75%*
|
|||
|
Equity
|
Nationwide Variable Insurance Trust - NVIT J.P. Morgan
Large Cap Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment 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
Investment Sub-Advisor: J.P. Morgan Investment Management Inc.
|
0.94%
|
14.09%
|
13.02%
|
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Jacobs Levy
Large Cap Core Fund: Class II
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2023
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc.
|
0.87%*
|
11.66%
|
11.86%
|
13.09%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Jacobs Levy
Large Cap Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment 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 II
This underlying mutual fund is no longer available to receive
transfers or new purchase payments effective February 28, 2025
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Loomis, Sayles & Company, L.P.
|
0.83%
|
6.56%
|
-1.01%
|
1.83%
|
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT Loomis Core
Bond Fund: Class P
Investment Advisor: Nationwide Fund Advisors
Investment 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
Investment 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
Investment Sub-Advisor: Loomis, Sayles & Company, L.P.
|
0.87%*
|
5.66%
|
3.26%
|
5.38%
|
|
Allocation
|
Nationwide Variable Insurance Trust - NVIT Managed
American Funds Asset Allocation Fund: Class II
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2026
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
0.95%
|
11.27%
|
7.91%
|
8.51%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Managed
American Funds Growth-Income Fund: Class II
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2026
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC
|
1.00%
|
10.66%
|
11.57%
|
11.40%
|
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
|
Nationwide Variable Insurance Trust - NVIT Mid Cap Index
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment 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
Investment 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
Investment Sub-Advisor: BlackRock Investment Management, LLC
|
0.72%*
|
|||
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Putnam
International Value Fund: Class I
This underlying mutual fund is no longer available to receive
transfers or new purchase payments effective October 16, 2020
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Putnam Investment Management, LLC
|
0.97%*
|
34.99%
|
11.04%
|
7.65%
|
|
Equity
|
Nationwide Variable Insurance Trust - NVIT Putnam
International Value Fund: Class Z
Investment Advisor: Nationwide Fund Advisors
Investment 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
Investment 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
Investment 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
Investment 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
Investment Sub-Advisor: Jacobs Levy Equity Management, Inc.
|
1.31%*
|
1.87%
|
7.70%
|
7.41%
|
|
Fixed Income
|
Nationwide Variable Insurance Trust - NVIT Strategic Income
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment 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
Investment 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%
|
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
|
|||
|
Allocation
|
Northern Lights Variable Trust - TOPS Managed Risk
Moderate ETF Portfolio: Class 4 (formerly, Northern Lights
Variable Trust - TOPS® Managed Risk Moderate Growth ETF
Portfolio: Class 4)
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2015
Investment Advisor: ValMark Advisers, Inc.
Sub-Advisor: Milliman Financial Risk Management, LLC
|
1.11%
|
10.00%
|
4.38%
|
5.34%
|
|
Allocation
|
Northern Lights Variable Trust - TOPS Managed Risk
Moderately Aggressive ETF Portfolio: Class 4 (formerly,
Northern Lights Variable Trust - TOPS® Managed Risk
Growth ETF Portfolio: Class 4)
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2015
Investment Advisor: ValMark Advisers, Inc.
Sub-Advisor: Milliman Financial Risk Management, LLC
|
1.10%
|
11.27%
|
5.01%
|
5.76%
|
|
Allocation
|
Northern Lights Variable Trust - TOPS® Managed Risk
Balanced ETF Portfolio: Class 4
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2015
Investment Advisor: ValMark Advisers, Inc.
Sub-Advisor: Milliman Financial Risk Management, LLC
|
1.10%
|
8.70%
|
3.49%
|
4.55%
|
|
Allocation
|
PIMCO Variable Insurance Trust - All Asset Portfolio: Advisor
Class
Investment Advisor: PIMCO
Investment 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 - Low Duration Portfolio:
Advisor Class
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2024
Investment Advisor: PIMCO
|
0.76%
|
5.42%
|
1.47%
|
1.69%
|
|
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
Investment 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
Investment 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
Investment Sub-Advisor: Franklin Advisers, Inc., Franklin
Templeton Investment Management Limited
|
0.79%
|
20.35%
|
15.38%
|
13.30%
|
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
|
|||
|
Equity
|
Putnam Variable Trust - Putnam VT Sustainable Leaders
Fund: Class IB
Investment Advisor: Putnam Investment Management, LLC
Investment Sub-Advisor: Franklin Advisers, Inc., Franklin
Templeton Investment Management Limited
|
0.88%
|
10.69%
|
10.34%
|
14.69%
|
|
Alternative Strategies
|
Rydex Variable Trust - Multi-Hedge Strategies Fund
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2019
Investment Advisor: Guggenheim Investments
|
1.75%*
|
1.25%
|
1.23%
|
1.62%
|
|
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
|
T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap
Growth Portfolio: II
This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2026
Investment Advisor: T. Rowe Price Associates, Inc.
Sub-Advisor: T. Rowe Price Investment Management, Inc.
|
1.09%
|
3.29%
|
3.58%
|
9.54%
|
|
Equity
|
VanEck VIP Trust - VanEck VIP Global Resources Fund:
Class S
Investment Advisor: Van Eck Associates Corporation
|
1.32%
|
36.17%
|
10.24%
|
8.06%
|
|
Equity
|
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.
Investment 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
22
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 Core, Nationwide Lifetime Income Rider Plus Accelerated, Nationwide Lifetime Income Rider Plus Max, 7% Nationwide Lifetime Income Rider, Nationwide Lifetime Income Capture option, or Nationwide Lifetime Income Track option is elected.
|
Investment Option
|
Nationwide
Lifetime
Income
Rider Plus
Core
|
Nationwide
Lifetime
Income
Rider Plus
Accelerated
|
Nationwide
Lifetime
Income
Rider Plus
Max
|
7%
Nationwide
Lifetime
Income
Rider
|
Nationwide
Lifetime
Income
Capture
Option
|
Nationwide
Lifetime
Income
Track
Option
|
|
Fidelity Variable Insurance Products Fund -
Fidelity VIP Freedom Fund 2010 Portfolio:
Service Class 2
|
X
|
X
|
X
|
X
|
X
|
X
|
|
Fidelity Variable Insurance Products Fund -
Fidelity VIP Freedom Fund 2020 Portfolio:
Service Class 2
|
X
|
|||||
|
Nationwide Variable Insurance Trust - NVIT
American Funds Asset Allocation Fund: Class
II
|
X
|
|||||
|
Nationwide Variable Insurance Trust - NVIT
Blueprint® Aggressive Fund: Class II
|
X
|
X
|
||||
|
Nationwide Variable Insurance Trust - NVIT
Blueprint® Balanced Fund: Class II
|
X
|
X
|
X
|
X
|
X
|
X
|
|
Nationwide Variable Insurance Trust - NVIT
Blueprint® Capital Appreciation Fund: Class
II
|
X
|
X
|
X
|
X
|
||
|
Nationwide Variable Insurance Trust - NVIT
Blueprint® Conservative Fund: Class II
|
X
|
X
|
X
|
X
|
X
|
X
|
|
Nationwide Variable Insurance Trust - NVIT
Blueprint® Managed Growth & Income Fund:
Class II
|
X
|
X
|
X
|
X
|
X
|
X
|
|
Nationwide Variable Insurance Trust - NVIT
Blueprint® Managed Growth Fund: Class II
|
X
|
X
|
X
|
X
|
X
|
X
|
|
Nationwide Variable Insurance Trust - NVIT
Blueprint® Moderate Fund: Class II
|
X
|
X
|
X
|
X
|
X
|
|
|
Nationwide Variable Insurance Trust - NVIT
Blueprint® Moderately Aggressive Fund:
Class II
|
X
|
X
|
||||
|
Nationwide Variable Insurance Trust - NVIT
Blueprint® Moderately Conservative Fund:
Class II
|
X
|
X
|
X
|
X
|
X
|
X
|
|
Nationwide Variable Insurance Trust - NVIT
Investor Destinations Aggressive Fund: Class
II
|
X
|
X
|
||||
|
Nationwide Variable Insurance Trust - NVIT
Investor Destinations Balanced Fund: Class II
|
X
|
X
|
X
|
X
|
X
|
X
|
23
|
Investment Option
|
Nationwide
Lifetime
Income
Rider Plus
Core
|
Nationwide
Lifetime
Income
Rider Plus
Accelerated
|
Nationwide
Lifetime
Income
Rider Plus
Max
|
7%
Nationwide
Lifetime
Income
Rider
|
Nationwide
Lifetime
Income
Capture
Option
|
Nationwide
Lifetime
Income
Track
Option
|
|
Nationwide Variable Insurance Trust - NVIT
Investor Destinations Capital Appreciation
Fund: Class II
|
X
|
X
|
X
|
X
|
||
|
Nationwide Variable Insurance Trust - NVIT
Investor Destinations Conservative Fund:
Class II
|
X
|
X
|
X
|
X
|
X
|
|
|
Nationwide Variable Insurance Trust - NVIT
Investor Destinations Managed Growth &
Income Fund: Class II
|
X
|
X
|
X
|
X
|
X
|
X
|
|
Nationwide Variable Insurance Trust - NVIT
Investor Destinations Managed Growth Fund:
Class II
|
X
|
X
|
X
|
X
|
X
|
X
|
|
Nationwide Variable Insurance Trust - NVIT
Investor Destinations Moderate Fund: Class II
|
X
|
X
|
X
|
X
|
X
|
|
|
Nationwide Variable Insurance Trust - NVIT
Investor Destinations Moderately Aggressive
Fund: Class II
|
X
|
X
|
||||
|
Nationwide Variable Insurance Trust - NVIT
Investor Destinations Moderately
Conservative Fund: Class II
|
X
|
X
|
X
|
X
|
X
|
X
|
|
Nationwide Variable Insurance Trust - NVIT
Managed American Funds Asset Allocation
Fund: Class II
|
X
|
X
|
X
|
X
|
X
|
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 American Funds Bond Fund)
|
X
|
X
|
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
|
X
|
||||
|
Static Asset Allocation Models - American
Funds Managed Moderate Option (40% NVIT
- NVIT Managed American Funds Growth-
Income Fund, 40% NVIT - NVIT Managed
American Funds Asset Allocation Fund and
20% NVIT - NVIT American Funds Bond
Fund)
|
X3
|
X3
|
X3
|
|||
|
Static Asset Allocation Models - American
Funds Managed Option (33% NVIT - NVIT
American Funds Bond Fund, 33% NVIT -
NVIT Managed American Funds Asset
Allocation Fund, 34% NVIT - NVIT Managed
American Funds Growth-Income Fund)
|
X1
|
X1
|
X1
|
X
|
X
|
X
|
24
|
Investment Option
|
Nationwide
Lifetime
Income
Rider Plus
Core
|
Nationwide
Lifetime
Income
Rider Plus
Accelerated
|
Nationwide
Lifetime
Income
Rider Plus
Max
|
7%
Nationwide
Lifetime
Income
Rider
|
Nationwide
Lifetime
Income
Capture
Option
|
Nationwide
Lifetime
Income
Track
Option
|
|
Static Asset Allocation Models - American
Funds Option (33% NVIT American Funds
Asset Allocation Fund, 33% NVIT American
Funds Bond Fund and 34% NVIT American
Funds Growth-Income Fund)
|
X1
|
X1
|
X1
|
X
|
X
|
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)
|
X4
|
X
|
X
|
|||
|
Static Asset Allocation Models - BlackRock
Moderate Option (40% NVIT BlackRock
Equity Dividend V.I. Fund, 33% NVIT
BlackRock Managed Global Allocation Fund
and 27% BlackRock Total Return V.I. Fund)
|
X3
|
X3
|
X3
|
|||
|
Static Asset Allocation Models - BlackRock
Option (34% NVIT BlackRock Equity Dividend
V.I. Fund, 33% NVIT BlackRock Managed
Global Allocation Fund, 33% BlackRock Total
Return V.I. Fund)
|
X1
|
X1
|
X1
|
X
|
X
|
X
|
|
Static Asset Allocation Models - Fidelity® VIP
Funds 60/40 Option (40% Fidelity VIP Growth
& Income, 30% Fidelity VIP Balanced and
30% Fidelity VIP Investment Grade Bond)
|
X
|
X
|
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
|
X
|
||||
|
Static Asset Allocation Models - Fidelity® VIP
Funds Option (35% Fidelity VIP Balanced
Portfolio - Service Class 2, 30% Fidelity VIP
Growth & Income Portfolio - Service Class 2,
35% Fidelity VIP Investment Grade Bond
Portfolio - Service Class 2)
|
X1
|
X1
|
X1
|
X
|
X
|
X
|
|
Static Asset Allocation Models - J.P. Morgan
Moderate Option (40% NVIT - NVIT
J.P.Morgan Disciplined Equity Fund, 40%
NVIT - NVIT Government Money Market Fund
and 20% Lincoln Variable Insurance Products
Trust - JPMorgan Core Bond Fund)
|
X2
|
X2
|
X2
|
|||
|
Static Asset Allocation Models - J.P. Morgan
Option (34% Lincoln Variable Insurance
Products Trust - JPMorgan Core Bond Fund,
33% NVIT - NVIT Government Money Market
Fund, 33% NVIT - NVIT J.P. Morgan U.S.
Equity Fund: Class II)
|
X1
|
X1
|
X1
|
X
|
X
|
X
|
25
|
Investment Option
|
Nationwide
Lifetime
Income
Rider Plus
Core
|
Nationwide
Lifetime
Income
Rider Plus
Accelerated
|
Nationwide
Lifetime
Income
Rider Plus
Max
|
7%
Nationwide
Lifetime
Income
Rider
|
Nationwide
Lifetime
Income
Capture
Option
|
Nationwide
Lifetime
Income
Track
Option
|
|
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)
|
X4
|
X
|
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)
|
X4
|
X
|
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)
|
X4
|
X
|
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
|
X
|
||||
|
Static Asset Allocation Models - Nationwide
Variable Insurance Trust iShares Moderate
Option (60% Nationwide Variable Insurance
Trust - NVIT iShares® Global Equity ETF
Fund: Class II and 40% Nationwide Variable
Insurance Trust - NVIT iShares® Fixed
Income ETF Fund: Class II)
|
X3
|
X3
|
X3
|
|||
|
Static Asset Allocation Models - Nationwide
Variable Insurance Trust iShares Option (50%
Nationwide Variable Insurance Trust - NVIT
iShares® Fixed Income ETF Fund: Class II,
50% Nationwide Variable Insurance Trust -
NVIT iShares® Global Equity ETF Fund:
Class II)
|
X1
|
X1
|
X1
|
X
|
X
|
X
|
|
Custom Choice Asset Rebalancing Service
|
X
|
X
|
X
|
|||
|
Custom Portfolio Asset Rebalancing Service -
Balanced
|
X
|
X
|
X
|
|||
|
Custom Portfolio Asset Rebalancing Service -
Capital Appreciation
|
X
|
|||||
|
Custom Portfolio Asset Rebalancing Service -
Conservative
|
X
|
X
|
X
|
|||
|
Custom Portfolio Asset Rebalancing Service -
Moderate
|
X
|
X
|
||||
|
Custom Portfolio Asset Rebalancing Service -
Moderately Conservative
|
X
|
X
|
X
|
1 Only available in contracts for applications signed before July 1, 2020.
2 Only available in contracts for applications signed before May 1, 2023.
26
3 Only available in contracts for applications signed before May 1, 2025.
4 Only available in contracts for applications signed on or after February 7, 2025.
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.
For applications signed on or after February 7, 2025:
|
Nationwide Lifetime Income
Rider Plus Core Option
|
Nationwide Lifetime Income
Rider Plus Accelerated Option
|
Nationwide Lifetime Income
Rider Plus Max Option
|
|
|
Group A
|
30% - 100%
|
0% - 100%
|
0% - 100%
|
|
Group B
|
0% - 70%
|
0% - 100%
|
0% - 100%
|
|
Group C
|
0% - 10%
|
0% - 10%
|
0% - 10%
|
|
Total
|
100%
|
100%
|
100%
|
The following table indicates the investment options (designated with an "X") that are available in each group:
|
Underlying Mutual Fund
|
Group A
|
Group B
|
Group C
|
|
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
|
||
|
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
|
27
|
Underlying Mutual Fund
|
Group A
|
Group B
|
Group C
|
|
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
|
||
|
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
|
28
|
Underlying Mutual Fund
|
Group A
|
Group B
|
Group C
|
|
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
|
||
|
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
|
29
|
Underlying Mutual Fund
|
Group A
|
Group B
|
Group C
|
|
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
|
||
|
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
For applications signed before February 7, 2025:
|
Nationwide Lifetime Income
Rider Plus Core Option
|
Nationwide Lifetime Income
Rider Plus Accelerated Option
|
Nationwide Lifetime Income
Rider Plus Max Option
|
|
|
Group A
|
40% - 100%
|
0% - 100%
|
0% - 100%
|
|
Group B
|
0% - 60%
|
0% - 100%
|
0% - 100%
|
|
Group C
|
0% - 10%
|
0% - 10%
|
0% - 10%
|
|
Total
|
100%
|
100%
|
100%
|
The following table indicates the investment options (designated with an "X") that are available in each group:
|
Underlying Mutual Fund
|
Group A
|
Group B
|
Group C
|
|
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
|
||
|
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
|
31
|
Underlying Mutual Fund
|
Group A
|
Group B
|
Group C
|
|
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
|
||
|
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 Allspring Discovery Fund: Class II
|
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
|
32
|
Underlying Mutual Fund
|
Group A
|
Group B
|
Group C
|
|
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
|
||
|
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 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
|
33
|
Underlying Mutual Fund
|
Group A
|
Group B
|
Group C
|
|
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
|
||
|
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
|
Custom Portfolio Asset Rebalancing Service Investment Options
Contract Owners who elect to participate in the Custom Portfolio Asset Rebalancing Service are limited to only the investment options shown below. Additionally, each model has unique allocation requirements for each asset class. These tables disclose only the Sub-Accounts currently available in each asset class and the current allocation percentages for each asset class and model.
|
Asset Class
|
Conservative
|
Moderately
Conservative
|
Balanced
|
Moderate
(Nationwide Lifetime
Income Capture Option
and Nationwide
Lifetime Income Track
Option only)
|
Capital
Appreciation
(Nationwide Lifetime
Income Track
Option only)
|
|
Large Cap Growth
|
6%
|
12%
|
14%
|
17%
|
19%
|
34
|
Asset Class
|
Conservative
|
Moderately
Conservative
|
Balanced
|
Moderate
(Nationwide Lifetime
Income Capture Option
and Nationwide
Lifetime Income Track
Option only)
|
Capital
Appreciation
(Nationwide Lifetime
Income Track
Option only)
|
|
Large Cap Value
|
6%
|
12%
|
14%
|
17%
|
19%
|
|
Mid-Cap
|
2%
|
3%
|
4%
|
4%
|
6%
|
|
Small-Cap
|
2%
|
3%
|
4%
|
4%
|
4%
|
|
International Growth
|
2%
|
5%
|
7%
|
9%
|
11%
|
|
International Value
|
2%
|
5%
|
7%
|
9%
|
11%
|
|
Bonds
|
51%
|
41%
|
36%
|
31%
|
25%
|
|
Short-Term Bonds
|
29%
|
19%
|
14%
|
9%
|
5%
|
|
Cash
|
0%
|
0%
|
0%
|
0%
|
0%
|
|
GRAND TOTAL
|
100%
|
100%
|
100%
|
100%
|
100%
|
The following table indicates the investment options (designated with an "X") that are available in each asset class:
|
Investment Option
|
Large
Value
|
Large
Growth
|
International
Growth
|
Mid-Cap
|
Small-Cap
|
International
Value
|
Bonds
|
Short-
Term
Bonds
|
Cash
|
|
AllianceBernstein Variable
Products Series Fund, Inc. - AB
VPS Discovery Value Portfolio:
Class B
|
X
|
||||||||
|
BlackRock Variable Series
Funds II, Inc. - BlackRock Total
Return V.I. Fund: Class III
|
X
|
||||||||
|
Delaware VIP Trust - Nomura
VIP Small Cap Value Series:
Service Class
|
X
|
||||||||
|
Fidelity Variable Insurance
Products Fund - VIP Equity-
Income Portfolio: Service Class
2
|
X
|
||||||||
|
Fidelity Variable Insurance
Products Fund - VIP Growth &
Income Portfolio: Service Class
2
|
X
|
||||||||
|
Fidelity Variable Insurance
Products Fund - VIP Growth
Portfolio: Service Class 2
|
X
|
||||||||
|
Fidelity Variable Insurance
Products Fund - VIP
Investment Grade Bond
Portfolio: Service Class 2
|
X
|
||||||||
|
Fidelity Variable Insurance
Products Fund - VIP Overseas
Portfolio: Service Class 2
|
X
|
||||||||
|
Invesco - Invesco V.I. Main
Street Small Cap Fund: Series
II
|
X
|
35
|
Investment Option
|
Large
Value
|
Large
Growth
|
International
Growth
|
Mid-Cap
|
Small-Cap
|
International
Value
|
Bonds
|
Short-
Term
Bonds
|
Cash
|
|
Janus Aspen Series - Janus
Henderson Flexible Bond
Portfolio: Service Shares
|
X
|
||||||||
|
Lord Abbett Series Fund, Inc. -
Total Return Portfolio: Class VC
|
X
|
||||||||
|
MFS® Variable Insurance Trust
- MFS New Discovery Series:
Service Class
|
X
|
||||||||
|
MFS® Variable Insurance Trust
- MFS Value Series: Service
Class
|
X
|
||||||||
|
MFS® Variable Insurance Trust
II - MFS International Intrinsic
Equity Portfolio: Service Class
(formerly, MFS® Variable
Insurance Trust II - MFS
International Intrinsic Value
Portfolio: Service Class)
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT Allspring
Discovery Fund: Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT American Funds
Bond Fund: Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT American Funds
Global Growth Fund: Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT American Funds
Growth Fund: Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT American Funds
Growth-Income Fund: Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT BlackRock Equity
Dividend Fund: Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT BNY Mellon
Dynamic U.S. Core Fund:
Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT Government
Money Market Fund: Class I
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT International Index
Fund: Class VIII
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT Invesco Small Cap
Growth Fund: Class II
|
X
|
36
|
Investment Option
|
Large
Value
|
Large
Growth
|
International
Growth
|
Mid-Cap
|
Small-Cap
|
International
Value
|
Bonds
|
Short-
Term
Bonds
|
Cash
|
|
Nationwide Variable Insurance
Trust - NVIT J.P. Morgan Equity
and Options Total Return Fund:
Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT Jacobs Levy Large
Cap Growth Fund: Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT Loomis Core Bond
Fund: Class P
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT Loomis Short
Term Bond Fund: Class II
|
X
|
||||||||
|
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 Putnam
International Value Fund: Class
I
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT S&P 500 Index
Fund: Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT Small Cap Index
Fund: Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT Small Cap Value
Fund: Class II
|
X
|
||||||||
|
Nationwide Variable Insurance
Trust - NVIT Victory Mid Cap
Value Fund: Class II
|
X
|
||||||||
|
PIMCO Variable Insurance
Trust - Short-Term Portfolio:
Advisor Class
|
X
|
||||||||
|
Putnam Variable Trust -
Putnam VT International Equity
Fund: Class IB
|
X
|
37
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/C000109061NW/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: C000109061
Nationwide Variable Account II published this content on April 27, 2026, and is solely responsible for the information contained herein. Distributed via EDGAR on April 27, 2026 at 17:44 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]