# EDGAR Filing Document

**Accession Number:** 0001041357
**File Stem:** 0001193125-26-180929
**Filing Date:** 2026-4
**Character Count:** 105689
**Document Hash:** 8c151d947901be79662c3f6ad4ec2aea
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-180929.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001193125-26-180929

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** NATIONWIDE VLI SEPARATE ACCOUNT 4
- **CENTRAL INDEX KEY:** 0001041357

**ORGANIZATION NAME:**
- **EIN:** 314156830
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-229640
- **FILM NUMBER:** 26898676

**BUSINESS ADDRESS:**
- **STREET 1:** NATIONWIDE LIFE INSURANCE CO
- **STREET 2:** ONE NATIONWIDE PLAZA
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43215
- **BUSINESS PHONE:** 614-249-7111

**MAIL ADDRESS:**
- **STREET 1:** NATIONWIDE LIFE INSURANCE CO
- **STREET 2:** ONE NATIONWIDE PLAZA
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43215

## Series and Classes Contracts Data

### NATIONWIDE VLI SEPARATE ACCOUNT-4 (Series ID: S000009474)

| Class ID   | Class Name                         | Ticker Symbol   |
|:---|:---|:---|
| C000211469 | Nationwide Innovator Corporate VUL |  |

**Supplement dated May 1, 2026** <br>**to the following initial summary prospectus(es):**

Nationwide Advisory Retirement Income Annuity, Nationwide Advisory Retirement Income Annuity - New York, Nationwide Innovator Corporate VUL, Nationwide Advisory VUL, Monument Advisor, Monument Advisor Select and Monument Advisor Select New York dated May 1, 2026

**This supplement updates certain information contained in your initial summary prospectus. Please read and** <br> **retain this supplement for future reference.**<br>

The following underlying mutual fund is offered as an investment option under the contract or policy.

Effective May 12, 2026, the name of the investment option is updated as indicated below:

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| | |
|:---|:---|
| **CURRENT NAME** | **UPDATED NAME** |
| Vanguard Variable Insurance Fund - Capital Growth Portfolio | Vanguard Variable Insurance Fund - PRIMECAP Portfolio |

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ISP-1055

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**Nationwide Innovator Corporate VUL**<sup>SM</sup>

**Individual Flexible Premium Adjustable Variable Universal Life Insurance Policies**

Issued by

**Nationwide Life Insurance Company**

through its

**Nationwide VLI Separate Account-4**

**Summary Prospectus for New Investors**

May 1, 2026

The policy described in this prospectus is not available in the state of New York.

This Summary Prospectus summarizes key features of the policy. **Not all benefits and features are available in all states. Check the statutory prospectus for information relating to state availability.** 

Before you invest, you should also review the statutory prospectus for the policy, which contains more information about the policy's features, benefits, and risks. You can find this document and other information about the policy online at https://nationwide.onlineprospectus.net/NW/C000211469NW/index.php?ctype=product_prospectus. You can also obtain this information at no cost by calling 1-877-351-8808 or by sending an email request to NILI_Information_Request@nationwide.com.

**Under state law a Policy Owner may, for a limited time, cancel the policy and receive a refund (commonly referred to as the "right to cancel" period). The length of the right to cancel period depends on state law and may vary depending on whether the policy was purchased to replace another policy. The minimum right to cancel period is 10 days. Upon cancellation, Nationwide will refund the amount prescribed by state law. The amount Nationwide refunds will be Cash Value and any charges deducted or, in certain states, the greater of the Premium paid or the policy's Cash Value plus any charges deducted. For more information, see *Right to Cancel (Examination Right)* in the statutory prospectus.**

You should review the prospectus, or consult with your financial professional, for additional information about the specific cancellation terms that apply.

Additional information about certain investment products, including variable life insurance policies, has been prepared by the SEC's staff and is available at Investor.gov.

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**Table of Contents**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | |
|:---|:---|
|  | **Page** |
| **[Glossary](#xx_41a473b0-07b6-4cfd-a8f7-b79b7ff6f814_1)** | &nbsp;&nbsp; 3<br>|
| **[Important Information You Should Consider About the Policy](#xx_56615607-f17e-46ba-ae54-9cf5dee7ebb5_1)** | &nbsp;&nbsp; 5<br>|
| **[Overview of the Policy](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_1)** | &nbsp;&nbsp; 8<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Purpose](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_1) | &nbsp;&nbsp; 8<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Premiums](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_1) | &nbsp;&nbsp; 8<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Policy Features](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_1) | &nbsp;&nbsp; 8<br>|
| **[Standard Death Benefit](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_2)** | &nbsp;&nbsp; 9<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Standard Death Benefit Options](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_2) | &nbsp;&nbsp; 9<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Calculation of the Death Benefit](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_3) | &nbsp;&nbsp; 10<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [The Minimum Required Death Benefit](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_3) | &nbsp;&nbsp; 10<br>|
| **[Other Benefits Available Under the Policy](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_4)** | &nbsp;&nbsp; 11<br>|
| **[Buying the Policy](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_4)** | &nbsp;&nbsp; 11<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Premium Payments](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_4) | &nbsp;&nbsp; 11<br>|
| **[How Your Policy Can Lapse](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_5)** | &nbsp;&nbsp; 12<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Grace Period](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_5) | &nbsp;&nbsp; 12<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Reinstatement](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_5) | &nbsp;&nbsp; 12<br>|
| **[Making Withdrawals: Accessing the Money in Your Policy](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_6)** | &nbsp;&nbsp; 13<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Full Surrender](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_6) | &nbsp;&nbsp; 13<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Partial Surrender](#xx_bb337c88-6270-4238-b92f-e501a0b8f620_6) | &nbsp;&nbsp; 13<br>|
| **[Additional Information About Fees](#xx_9c502f87-7aab-4c7e-8146-3d5ba9966377_1)** | &nbsp;&nbsp; 14<br>|
| **[Appendix: Underlying Mutual Funds Available Under the Policy](#xx_fa563d37-87bd-43f6-9549-c126645833cb_1)** | &nbsp;&nbsp; 17 |

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**Glossary** 

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| |
|:---|
| **Attained Age** – A person's Issue Age plus the number of full years since the Policy Date. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Base Policy Specified Amount** – The amount of insurance coverage selected under the base policy, excluding any <br> Rider Specified Amount. <br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Cash Surrender Value** – The amount payable to the Policy Owner upon a full surrender of the policy. This amount is <br> equal to the Enhanced Cash Value, minus Indebtedness and outstanding policy charges.<br>|
| **Cash Value** – The total amount allocated to the Sub-Accounts, the policy loan account, and the Fixed Account.  |
| **Code** – The Internal Revenue Code of 1986, as amended. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Death Benefit** – The amount paid upon the Insured's death, before the deduction of any Indebtedness, or due and <br> unpaid policy charges.<br>|
| **Enhanced Cash Value** – The sum of the policy's Cash Value plus the Enhancement Benefit, if applicable. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Enhancement Benefit** – An additional amount added to the policy's Cash Value upon a full surrender of the policy <br> during the applicable policy years, provided the qualifying conditions have been satisfied.<br>|
| **Fixed Account** – An investment option that is funded by Nationwide's general account.  |
| **Grace Period** – A 61-day period after which the Policy will Lapse if sufficient payments are not made to prevent Lapse. |
| **In Force** – Any time during which benefits are payable under the policy and any elected Rider(s). |
| **Indebtedness** – The total amount of all outstanding policy loans, including principal and interest due. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Insured** – The person whose life is insured under the policy, and whose death triggers payment of the Death Benefit. <br> To be eligible to be Insured under the policy, the Insured must meet all Actively-At-Work Requirements on the Policy <br> Date, must have validly consented to be insured under the policy and meet any other underwriting requirements, <br> including evidence of insurability.<br>|
| **Investment Experience** – The market performance of a mutual fund/Sub-Account. |
| **Issue Age** – A person's age based on their last birthday on or before the Policy Date. |
| **Lapse** – The policy terminates without value. |
| **Maturity Date** – The policy anniversary on which the Insured reaches Attained Age120. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Minimum Required Death Benefit** – The lowest Death Benefit that will qualify the policy as life insurance under the <br> Code.<br>|
| **Nationwide** – Nationwide Life Insurance Company.  |
| **Net Amount At Risk** – The base policy's Death Benefit minus the policy's Cash Value. |
| **Net Premium** – The amount of Premium applied to the policy after the deduction of the Percent of Premium Charge. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Policy Date** – The date the policy takes effect as shown in the Policy Data Pages. Policy years, months, and <br> anniversaries are measured from this date.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Policy Owner** – The person or entity named as the owner on the application, or the person or entity assigned <br> ownership rights. <br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Policy Proceeds or Proceeds** – The amount payable upon termination of the policy. Policy Proceeds may constitute <br> the Death Benefit, the Maturity Proceeds, or the Cash Surrender Value upon a full surrender of the policy.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Policy Data Page(s)** – The Policy Data Page(s) are issued as part of the policy and contain information specific to the <br> policy and the Insured, including coverage and Rider elections. Updated Policy Data Page(s) will be issued if the <br> Policy Owner makes any changes to coverage elections after the policy is issued.<br>|
| **Premium** – Amount(s) paid to purchase and maintain the policy. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Rider** – An optional benefit purchased under the policy. Rider availability and Rider terms may vary depending on the <br> state in which the policy was issued.<br>|

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Rider Specified Amount** – The portion of the Total Specified Amount attributable to the Additional Term Insurance <br> Rider.<br>|
| **SEC** – Securities and Exchange Commission. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Service Center** – The department of Nationwide responsible for receiving all service and transaction requests relating <br> to the policy. For service and transaction requests submitted other than by telephone (including fax requests), the <br> Service Center is Nationwide's mail and document processing facility. For service and transaction requests <br> communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to <br> contact the Service Center is in the *Contacting the Service Center* provision in the statutory prospectus.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Sub-Account(s)** – The mechanism used to account for allocations of Net Premium and Cash Value among the <br> policy's variable investment options.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Substandard Rating** – An underwriting classification based on medical and/or non-medical factors used to determine <br> what to charge for life insurance based on characteristics of the Insured beyond traditional factors for standard risks, <br> which include age, and tobacco habits of the Insured. Substandard Ratings are shown in the Policy Data Pages as <br> rate class multiples (medical factors) and/or monthly flat extras (medical and/or non-medical factors). The higher the <br> rate class multiple or monthly flat extra, the greater the risk assessed and the higher the cost of coverage.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Target Premium** – The maximum amount of Premium the Policy Owner may pay to purchase Base Policy Specified <br> Amount under Section 7702A of the Code and still have the policy treated as a life insurance contract for federal tax <br> purposes. This is the maximum Premium that the Policy Owner may pay based on the "7-Pay method", which <br> determines the limits on Premium payments in each of the first seven policy years. The actual amount is based on <br> numerous factors which include the Issue Age of the Insured, Substandard Ratings (if any), and an adjustment for <br> any Premium exchanged into the policy under Section 1035 of the Code. <br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Total Specified Amount** – The sum of the Base Policy Specified Amount and the Rider Specified Amount, if <br> applicable. <br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Valuation Period** – The period during which Nationwide determines the change in the value of the Sub-Accounts. <br> One Valuation Period ends and another begins as of the close of regular trading on the New York Stock Exchange.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Variable Account** – Nationwide VLI Separate Account-4, a separate account that Nationwide established to hold <br> Policy Owner assets allocated to variable investment options. The Variable Account is divided into Sub-Accounts, <br> each of which invests in a separate underlying mutual fund.<br>|

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**Important Information You Should Consider About the Policy** 

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| | | | |
|:---|:---|:---|:---|
| **FEES AND EXPENSES**<br> (see *Additional Information About Fees* later in this summary prospectus and *Expenses* in the statutory prospectus) | **FEES AND EXPENSES**<br> (see *Additional Information About Fees* later in this summary prospectus and *Expenses* in the statutory prospectus) | **FEES AND EXPENSES**<br> (see *Additional Information About Fees* later in this summary prospectus and *Expenses* in the statutory prospectus) | **FEES AND EXPENSES**<br> (see *Additional Information About Fees* later in this summary prospectus and *Expenses* in the statutory prospectus) |
| Charges for Early <br> Withdrawals<br>| &nbsp;&nbsp; Surrender Charge – There are no surrender charges upon a full surrender of the policy.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Partial Surrender Fee – Deducted from the partial surrender amount requested (see <br> *Partial Surrender Fee* in the statutory prospectus). Currently, Nationwide waives the Partial <br> Surrender Fee. Nationwide may elect in the future to assess a Partial Surrender Fee. The <br> Partial Surrender Fee assessed to each surrender will not exceed $25.  | &nbsp;&nbsp; Surrender Charge – There are no surrender charges upon a full surrender of the policy.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Partial Surrender Fee – Deducted from the partial surrender amount requested (see <br> *Partial Surrender Fee* in the statutory prospectus). Currently, Nationwide waives the Partial <br> Surrender Fee. Nationwide may elect in the future to assess a Partial Surrender Fee. The <br> Partial Surrender Fee assessed to each surrender will not exceed $25.  | &nbsp;&nbsp; Surrender Charge – There are no surrender charges upon a full surrender of the policy.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Partial Surrender Fee – Deducted from the partial surrender amount requested (see <br> *Partial Surrender Fee* in the statutory prospectus). Currently, Nationwide waives the Partial <br> Surrender Fee. Nationwide may elect in the future to assess a Partial Surrender Fee. The <br> Partial Surrender Fee assessed to each surrender will not exceed $25.  |
| Transaction Charges | &nbsp;&nbsp;&nbsp; The Policy Owner may also be charged for other transactions as follows:<br> ● Percent of Premium Charge – Deducted from each Premium payment applied to a <br> policy.<br> ● Illustration Charge – Upon requesting excessive illustrations (more than 10 requests in <br> any 12 month period).<br> ● Rider Charges – One time rider charges for certain benefits, deducted upon invoking the <br> rider.<br> See *Standard Policy Charges* and *Policy Riders and Rider Charges* in the statutory <br> prospectus. | &nbsp;&nbsp;&nbsp; The Policy Owner may also be charged for other transactions as follows:<br> ● Percent of Premium Charge – Deducted from each Premium payment applied to a <br> policy.<br> ● Illustration Charge – Upon requesting excessive illustrations (more than 10 requests in <br> any 12 month period).<br> ● Rider Charges – One time rider charges for certain benefits, deducted upon invoking the <br> rider.<br> See *Standard Policy Charges* and *Policy Riders and Rider Charges* in the statutory <br> prospectus. | &nbsp;&nbsp;&nbsp; The Policy Owner may also be charged for other transactions as follows:<br> ● Percent of Premium Charge – Deducted from each Premium payment applied to a <br> policy.<br> ● Illustration Charge – Upon requesting excessive illustrations (more than 10 requests in <br> any 12 month period).<br> ● Rider Charges – One time rider charges for certain benefits, deducted upon invoking the <br> rider.<br> See *Standard Policy Charges* and *Policy Riders and Rider Charges* in the statutory <br> prospectus. |
| Ongoing Fees and <br> Expenses (periodic <br> charges) | &nbsp;&nbsp; In addition to surrender charges, interest on any outstanding policy loans, and transaction <br> charges, an investment in the policy is subject to certain ongoing fees and expenses, <br> including fees and expenses covering the cost of insurance under the policy and the cost <br> of optional benefits available under the policy, and such fees and expenses are set based <br> on characteristics of the Insured (e.g., age, sex, and rating classification), see *Standard* <br> *Policy Charges* and *Policy Riders and Rider Charges* in the statutory prospectus. Please <br> refer to the Policy Data Page(s) of your policy for rates applicable to the policy. | &nbsp;&nbsp; In addition to surrender charges, interest on any outstanding policy loans, and transaction <br> charges, an investment in the policy is subject to certain ongoing fees and expenses, <br> including fees and expenses covering the cost of insurance under the policy and the cost <br> of optional benefits available under the policy, and such fees and expenses are set based <br> on characteristics of the Insured (e.g., age, sex, and rating classification), see *Standard* <br> *Policy Charges* and *Policy Riders and Rider Charges* in the statutory prospectus. Please <br> refer to the Policy Data Page(s) of your policy for rates applicable to the policy. | &nbsp;&nbsp; In addition to surrender charges, interest on any outstanding policy loans, and transaction <br> charges, an investment in the policy is subject to certain ongoing fees and expenses, <br> including fees and expenses covering the cost of insurance under the policy and the cost <br> of optional benefits available under the policy, and such fees and expenses are set based <br> on characteristics of the Insured (e.g., age, sex, and rating classification), see *Standard* <br> *Policy Charges* and *Policy Riders and Rider Charges* in the statutory prospectus. Please <br> refer to the Policy Data Page(s) of your policy for rates applicable to the policy. |
| Ongoing Fees and <br> Expenses (periodic <br> charges) | &nbsp;&nbsp; A Policy Owner will also bear expenses associated with the underlying mutual funds under <br> the policy, as shown in the following table: | &nbsp;&nbsp; A Policy Owner will also bear expenses associated with the underlying mutual funds under <br> the policy, as shown in the following table: | &nbsp;&nbsp; A Policy Owner will also bear expenses associated with the underlying mutual funds under <br> the policy, as shown in the following table: |
| Ongoing Fees and <br> Expenses (periodic <br> charges) | **Annual Fee** | **Minimum** | **Maximum** |
| Ongoing Fees and <br> Expenses (periodic <br> charges) | &nbsp;&nbsp; Investment options (underlying mutual fund fees <br> and expenses)<br>| 0.03%<sup>1</sup> <br>| 2.48%<sup>1</sup> <br>|
| Ongoing Fees and <br> Expenses (periodic <br> charges) | <sup>1</sup> As a percentage of underlying mutual fund net assets. | <sup>1</sup> As a percentage of underlying mutual fund net assets. | <sup>1</sup> As a percentage of underlying mutual fund net assets. |

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|:---|:---|
| **RISKS** | **RISKS** |
| Risk of Loss | &nbsp;&nbsp; Policy Owners can lose money by investing in the policy, including loss of principal (see <br> *Principal Risks* in the statutory prospectus). <br>|
| Not a Short-Term <br> Investment<br>| &nbsp;&nbsp; The policy is not a short-term investment and is not appropriate for an investor who needs <br> ready access to cash (see *Principal Risks* in the statutory prospectus). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> In addition, taking policy loans may increase the risk of Lapse and may result in adverse <br> tax consequences (see *Policy Loans* in the statutory prospectus).<br>|
| Risks Associated with <br> Investment Options<br>| &nbsp;&nbsp;&nbsp; ● Investment in the policy is subject to the risk of poor investment performance of the <br> investment options and can vary depending on the performance of the investment <br> options available under the policy and selected by the Policy Owner.<br> ● Each investment option, including the Fixed Account, will have its own unique risks.<br> ● Review the prospectuses and disclosures for the investment options before making an <br> investment decision. <br> See *Principal Risks* in the statutory prospectus.<br>|
| Insurance Company Risks | &nbsp;&nbsp; Investment in the policy is subject to the risks associated with Nationwide and any <br> obligations (including general account obligations), guarantees, or benefits are subject to <br> the claims-paying ability of Nationwide. More information about Nationwide, including its <br> financial strength ratings, is available by contacting the Service Center (see *Principal Risks* <br> in the statutory prospectus).<br>|

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|:---|:---|
| **RISKS** | **RISKS** |
| Policy Lapse | &nbsp;&nbsp; The policy is at risk of Lapsing when the Cash Surrender Value is insufficient to cover the <br> monthly policy charges, including Rider charges. Cash Surrender Value can be reduced by <br> unfavorable Investment Experience, policy loans, partial surrenders and the deduction of <br> policy charges. Payment of insufficient Premium may cause the policy to Lapse. There is <br> no separate additional charge associated with reinstating a Lapsed policy; however, <br> payment of sufficient Premium and repayment or reinstatement of any Indebtedness will <br> be required (see *Reinstatement* in the statutory prospectus). The Death Benefit will not be <br> paid if the policy has Lapsed.<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> For more information, see *Principal Risks* and *Lapse* in the statutory prospectus.<br>|
| **RESTRICTIONS** | **RESTRICTIONS** |
| Investments | &nbsp;&nbsp;&nbsp; ● Nationwide may restrict the form in which Sub-Accounts transfer requests will be <br> accepted (see *Sub-Accounts Transfers* and *Transfer Restrictions* in the statutory <br> prospectus).<br> ● Nationwide may limit the frequency and dollar amount of transfers involving the fixed <br> interest options (see *Fixed Account Transfers* in the statutory prospectus).<br> ● Nationwide reserves the right to add, remove, and substitute investment options <br> available under the policy (see *Addition, Deletion, or Substitution of Mutual Funds* in the <br> statutory prospectus). <br> ● Transfers between Sub-Accounts are subject to restrictions designed to deter short-term <br> and excessively frequent transfers (see *U.S. Mail Restrictions* and *Other Restrictions* in <br> the statutory prospectus).<br> ● Not all investment options may be available under your policy (see *Appendix A:* <br> *Underlying Mutual Funds Available Under the Policy in the statutory prospectus*).<br> ● The availability of investment options may vary depending on the broker-dealer through <br> which the policy is sold (see *Appendix F: Financial Intermediary Variations* in the <br> statutory prospectus).<br>|
| Optional Benefits | &nbsp;&nbsp;&nbsp; ● Certain optional benefits may be subject to availability, eligibility, and/or invocation <br> requirements. Availability of certain optional benefits may be subject to Nationwide's <br> underwriting approval for the optional benefit.<br> ● Nationwide reserves the right to discontinue offering any optional benefit. Such a <br> discontinuance will only apply to new policies and will not impact any policies already In <br> Force.<br> ● The availability of policy benefits may vary depending on the broker-dealer through <br> which the policy is sold (see *Appendix F: Financial Intermediary Variations* in the <br> statutory prospectus).<br> For more information, see *Policy Riders and Rider Charges* in the statutory prospectus.<br>|
| **TAXES** | **TAXES** |
| Tax Implications | &nbsp;&nbsp;&nbsp; ● Consult with a tax professional to determine the tax implications of an investment in and <br> payments received under this policy.<br> ● Earnings on the policy are generally not taxable to the Policy Owner, unless withdrawn <br> from the policy. Partial and full surrenders from the policy will be subject to ordinary <br> income tax and may be subject to a tax penalty.<br> For more information, see *Taxes* in the statutory prospectus*.*<br>|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| Investment Professional <br> Compensation<br>| &nbsp;&nbsp; Some financial professionals receive compensation for selling the policy. Compensation <br> can take the form of commissions and other indirect compensation in that Nationwide may <br> share the revenue it earns on this policy with the financial professional's firm. This conflict <br> of interest may influence a financial professional, as these financial professionals may <br> have a financial incentive to offer or recommend this policy over another investment (see *A* <br> *Note on Charges* in the statutory prospectus).<br>|
| Exchanges | &nbsp;&nbsp; Some financial professionals may have a financial incentive to offer an investor a new <br> policy in place of the one he/she already owns. An investor should only exchange his/her <br> policy if he/she determines, after comparing the features, fees, and risks of both policies, <br> and any surrender charge to terminate the existing policy, that it is preferable for him/her to <br> purchase the new policy, rather than to continue to own the existing one (see *Exchanging* <br> *the Policy for Another Life Insurance Policy* in the statutory prospectus).<br>|

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**Overview of the Policy**

**Purpose**

The primary benefit of this policy is life insurance coverage. Nationwide will pay the Death Benefit Proceeds upon the Insured's death if the Insured dies while the policy is In Force. The policy is In Force when: the policy has been issued; the initial Premium has been paid; the Insured is living; the policy has not been surrendered for its Cash Surrender Value; and the policy has not Lapsed.

The Cash Value and Death Benefit, to the extent the Death Benefit includes or is based on the Cash Value, will not be fixed but will be dependent on the investment performance of the investment options in which the Policy Owner is invested, and cumulative Variable Account and policy charges assessed by Nationwide over the life of the policy.

Prospective purchasers should consult with a financial professional to determine whether this policy is appropriate for them, taking into consideration his/her particular needs, including investment objectives, risk tolerance, investment time horizon, marital status, tax situation, and other personal characteristics. Generally speaking, this policy is intended as a long-term investment, it is not a short-term investment and is not appropriate for an investor who needs ready access to cash, see *Principal Risks* in the statutory prospectus.

**Premiums**

The Policy Owner will select a Premium payment plan for the policy at the time of application. Within limits, the Policy Owner may vary the frequency and amount of Premium payments, see *Premium Payments* and *Unfavorable Sub-Account Investment Experience* in the statutory prospectus.

Net Premium, loan repayments, and Cash Value may be allocated among fixed and/or variable investment options available in the policy.

The policy currently offers a fixed investment option which will earn interest daily, see *Fixed Account* in the statutory prospectus.

The variable investment options offered under the policy correspond to mutual funds designed to be the underlying investment options of variable insurance products. Nationwide VLI Separate Account-4 contains a separate Sub-Account for each of the underlying mutual funds offered in the policy.

**Additional information about the underlying mutual funds is available in *Appendix: Underlying Mutual Funds Available Under the Policy.***

Payment of insufficient Premium may cause the policy to Lapse.

**Policy Features**

***Death Benefit Options***

**Note:** The Death Benefit will be the greater of the amount produced by the death benefit option in effect on the date of the Insured's death *or* the Minimum Required Death Benefit, see *The Minimum Required Death Benefit* in the statutory prospectus.

*Death Benefit Option 1*: The Death Benefit will be the Total Specified Amount as of the Insured's date of death.

*Death Benefit Option 2*: The Death Benefit will be the Total Specified Amount plus the Cash Value as of the Insured's date of death.

For additional information, see *Standard Death Benefit Options* in the statutory prospectus*.*

**Choice of Policy Proceeds**

The Policy Proceeds will be paid in a lump sum.

***Coverage Flexibility***

Subject to conditions, the Policy Owner may choose to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• change the death benefit option;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• increase or decrease the Base Policy Specified Amount and/or Rider Specified Amount;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• change beneficiaries; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• change ownership of the policy.

***Access to Cash Value***

Subject to conditions, the Policy Owner may:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• take a policy loan, see *Policy Loans* in the statutory prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• take a partial surrender, see *Partial Surrender* in the statutory prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• surrender the policy for its Cash Surrender Value at any time while the policy is In Force, see *Full Surrender* in the statutory prospectus.

***Transfer Requests***

Policy Owners may request to transfer allocations between available investment options of the policy (*i.e*., the Fixed Account and Sub-Accounts). Requests to transfer allocations between policy investment options will be processed in the Valuation Period they are received at the Service Center as long as the request is in good order. Requests that are not in good order may be delayed or returned, see *Contacting the Service Center* in the statutory prospectus.

Restrictions or limitations on transfers from the general account option(s) may delay a Policy Owner's ability to transfer Cash Value to the Sub-Accounts. Additionally, transfer requests from a Sub-Account may be subject to short-term trading fees and policies and procedures intended to reduce the potentially detrimental impact that disruptive trading has on Investment Experience. For additional information, see *Transfers Among and Between the Policy Investment Options* in the statutory prospectus.

***Taxes***

Earnings on the policy are generally not taxable to the Policy Owner, unless withdrawn from the policy. This is known as tax deferral. In addition, beneficiaries generally will not have to include Death Benefit Proceeds as taxable income, see *Taxes* in the statutory prospectus.

***Assignment***

Policy Owners may assign the policy as collateral for a loan or another obligation while the policy is In Force, see *Assigning the Policy* in the statutory prospectus.

***Right to Cancel (Examination Right)***

For a limited time, the Policy Owner may cancel the policy and Nationwide will refund the amount prescribed by state law, see *Right to Cancel (Examination Right)* in the statutory prospectus*.*

***Riders***

The Policy Owner may purchase one or more of the Riders listed below, subject to availability in the state where the policy is issued. There may be additional charges assessed for elected Riders and Rider charges may vary based upon the individual characteristics of the Insured. Operation and benefits of the Riders described in this prospectus may vary by the state where the policy is issued.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Overloan Lapse Protection Rider

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Additional Term Insurance Rider

For additional information, see *Policy Riders and Rider Charges* in the statutory prospectus.

**Standard Death Benefit**

**Standard Death Benefit Options**

Policy Owners have a choice of one of two available death benefit options under the policy. If a death benefit option is not selected, Nationwide will issue the policy with Death Benefit Option 1. Not all death benefit options are available in all states.

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***Death Benefit Option 1***

The Death Benefit is the greater of the Total Specified Amount or the Minimum Required Death Benefit on the Insured's date of death. Death Benefit Option 1 provides a stated amount of Death Benefit coverage that generally remains static throughout the life of the policy. Typically, Death Benefit Option 1 is elected by Policy Owners who are interested in maintaining a pre-determined amount of life insurance coverage.

***Death Benefit Option 2***

The Death Benefit is the greater of the Total Specified Amount *plus* the Enhanced Cash Value as of the Insured's date of death, or the Minimum Required Death Benefit on the Insured's date of death. Death Benefit Option 2 provides a stated amount of Death Benefit coverage in addition to the policy's Cash Value. Typically, Death Benefit Option 2 is elected by Policy Owners who are interested in accumulation of Cash Value in addition to a pre-determined amount of life insurance coverage.

**Calculation of the Death Benefit**

The Death Benefit will be calculated when Nationwide has received (at the Service Center) all information required to process the claim for Death Benefit Proceeds, including, but not limited to, proof that the Insured has died and any other information Nationwide may reasonably require. The Death Benefit may be subject to an adjustment if an error or misstatement was made upon application, or if the Insured dies by suicide.

While the policy is In Force, the Death Benefit will never be less than the Base Policy Specified Amount. The Death Benefit will depend on the death benefit option elected, certain Riders, and the tax test elected as discussed in greater detail below. The Death Benefit may vary with the Cash Value of the policy, which is affected by Investment Experience, Indebtedness, and any due and unpaid monthly deductions that accrued during a Grace Period.

**The Minimum Required Death Benefit**

The policy has a Minimum Required Death Benefit. The Minimum Required Death Benefit is the lowest Death Benefit that will qualify the policy as life insurance under Section 7702 of the Code.

The tax tests for life insurance generally require that the policy have a significant element of life insurance and not be primarily an investment vehicle. At the time the policy is issued, the Policy Owner irrevocably elects one of the following tests to qualify the policy as life insurance under Section 7702 of the Code:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the cash value accumulation test; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the guideline premium/cash value corridor test.

If a specific test is not elected, Nationwide will issue the policy with the cash value accumulation test.

***Cash Value Accumulation Test***

The cash value accumulation test determines the Minimum Required Death Benefit by multiplying the Cash Value by a percentage calculated as described in the Code. The percentages depend upon the Insured's age, and underwriting classification. Under the cash value accumulation test, there is no limit to the amount that may be paid in Premiums as long as there is sufficient Death Benefit in relation to the Cash Value at all times.

***Guideline Premium/Cash Value Corridor Test***

The guideline premium/cash value corridor test determines the Minimum Required Death Benefit by comparing the Death Benefit to an applicable percentage of the Enhanced Cash Value. These percentages are set out in the Code, but the percentage varies only by the Attained Age of the Insured.

In deciding which test to elect for the policy, consider the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The cash value accumulation test generally allows flexibility to pay more Premium, subject to Nationwide's approval of any increase in the policy's Net Amount At Risk that would result from higher Premium payments. Premium payments under the guideline premium/cash value corridor test are limited by Section 7702 of the Code.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Generally, the guideline premium/cash value corridor test produces a higher Death Benefit in the early years of the policy while the cash value accumulation test produces a higher Death Benefit in the policy's later years.

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Monthly cost of insurance charges that vary with the amount of the Death Benefit may be greater during the years when the elected test produces a higher Death Benefit.

Regardless of which test is elected, Nationwide will monitor compliance to ensure that the policy meets the statutory definition of life insurance under the Code. As a result, the Death Benefit Proceeds payable under a policy should be excludable from gross income of the beneficiary for federal income tax purposes. Nationwide may refuse additional Premium payments or return Premium payments so that the policy continues to meet the Code's definition of life insurance. Consult a qualified tax advisor on all tax matters involving the policy.

**Other Benefits Available Under the Policy**

In addition to the standard death benefit options available under the policy, other standard or optional benefits may also be available to you. The following table summarizes information about these other benefits. For additional information on the policy's Riders, see *Policy Riders and Rider Charges* in the statutory prospectus. Additional information on the fees associated with each benefit is in *Additional Information About Fees* later in this summary prospectus. The availability of policy benefits may vary depending on the broker-dealer through which the policy is sold (see *Appendix F: Financial Intermediary Variations* in the statutory prospectus).

---

| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Is Benefit** <br> **Standard or** <br> **Optional**<br>| **Brief Description of Restrictions/Limitations** |
| Overloan Lapse <br> Protection Rider<br>| Prevent the policy from <br> Lapsing due to <br> Indebtedness<br>| Optional | &nbsp;&nbsp;&nbsp; ● Subject to eligibility requirements to invoke the <br> Rider<br> ● Election to invoke is irrevocable<br> ● Once invoked, all other Riders terminate (except the <br> Additional Term Insurance Rider, if applicable)<br> ● Cash Value will be transferred to the Fixed Account <br> and may not be transferred out<br> ● No further loans or partial surrenders may be taken <br> from the policy<br>|
| Additional Term <br> Insurance Rider<br>| Provides term life <br> insurance on the <br> Insured, in addition to <br> that under the base <br> policy<br>| Optional | &nbsp;&nbsp;&nbsp; ● Available for post-issue election until the Insured <br> reaches Attained Age100<br> ● If purchase after the Policy Date, evidence of <br> insurability is required<br>|

---

**Buying the Policy**

**Initial Premium Payment**

The initial Premium payment is due on the Policy Date. Any due and unpaid policy charges will be subtracted from the initial Premium payment. Insurance coverage will not be effective until the initial Premium is paid, even if the Policy Date precedes the date the initial Premium is paid. The required initial Premium payment amount is stated in the Policy Data Pages and will depend on the following factors: the initial Base Policy Specified Amount, death benefit option elected, any Riders elected, and Insured's age, health, and activities. Initial Premium may be paid to the Service Center or to an authorized Nationwide representative. The initial Premium payment will not be applied to the policy until the underwriting process is complete.

**Premium Payments**

This policy does not require a payment of a scheduled Premium amount to keep it In Force. It will remain In Force as long as the conditions that cause a policy to Lapse do not exist, see *Lapse* and *Unfavorable Sub-Account Investment Experience* in the statutory prospectus. Premium payment reminder notices will be sent according to the Premium payment schedule selected by the Policy Owner. Additional Premium payments must be submitted to the Service Center. Each Premium payment must be at least $25. Upon request, Nationwide will furnish Premium payment receipts. Policy Owners may make additional Premium payments at any time while the policy is In Force and prior to the Maturity Date, subject to the following:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nationwide may require satisfactory evidence of insurability before accepting any additional Premium payment that results in an increase in the policy's Net Amount At Risk.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nationwide will refund Premium payments that exceed the applicable Premium limit established by the Code to qualify the policy as a contract for life insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nationwide will monitor Premiums paid and will notify Policy Owners when the policy is in jeopardy of becoming a modified endowment contract, see *Taxes* in the statutory prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nationwide may require that policy Indebtedness be repaid before accepting any additional Premium payments.

Subsequent Premium payments will be allocated according to the allocation instructions in effect at the time the Premium is received*.*

**How Your Policy Can Lapse**

The policy is at risk of Lapsing when the Cash Surrender Value is insufficient to cover the policy's monthly deductions, see *Unfavorable Sub-Account Investment Experience* in the statutory prospectus. Before any policy Lapse, there is a Grace Period during which the Policy Owner can take action to prevent the Lapse. Subject to certain conditions, the Policy Owner may reinstate a policy that has Lapsed.

**Grace Period**

If the Cash Surrender Value on any monthly anniversary date is not sufficient to cover the current monthly deductions, then a Grace Period will begin. At the beginning of a Grace Period, the Policy Owner will receive a notice from Nationwide that will indicate the amount of Premium that must be paid to avoid lapsing the Policy. This amount is equal to three times the current monthly deductions plus all other policy charges due during the Grace Period.

If not paid within 61 days, the policy and all Riders will Lapse.

The Grace Period will not alter the operation of the policy or the payment of Proceeds.

**Reinstatement**

The Policy Owner may reinstate a Lapsed policy by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• submitting a written request to reinstate the policy to the Service Center any time within three years after the end of the Grace Period (or longer if required by state law) and before the Maturity Date;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• providing satisfactory evidence of insurability that Nationwide may require;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• paying sufficient Premium to keep the policy In Force for three months (or less if required by state law) from the date of reinstatement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• paying sufficient Premium to cover all policy charges that were due and unpaid during the Grace Period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• repaying or reinstating any Indebtedness that existed at the end of the Grace Period.

The Policy Owner may also reinstate coverage under certain Riders subject to satisfactory evidence of insurability and any reinstatement requirements contained in the Riders.

If Nationwide approves the application for reinstatement and receives the required Premium, the effective date of a reinstated policy, including any reinstated Riders, will be the coinciding or next monthly anniversary of the Policy Date following the date Nationwide approves the application for reinstatement.

If the policy is reinstated, the Cash Value on the date of reinstatement will be set equal to the Cash Value at the end of the most recent Grace Period. Nationwide will add any Premiums or loan repayments that were made to reinstate the policy to the Cash Value.

The Sub-Account allocations that were in effect at the start of the Grace Period will be reinstated, unless the Policy Owner indicates otherwise.

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**Making Withdrawals: Accessing the Money in Your Policy**

**Full Surrender**

The policy may be surrendered for the Cash Surrender Value at any time while it is In Force. A surrender will be effective as of the date Nationwide receives the Policy Owner's written surrender request in good order at the Service Center. Nationwide reserves the right to require written requests to be submitted on current Nationwide forms. No Enhancement Benefit will be paid if the policy is surrendered pursuant to Section 1035 of the Code or paid to anyone other than the Policy Owner. See *Payment of Policy Proceeds* in the statutory prospectus for additional information.

**Partial Surrender**

The Policy Owner may request a partial surrender of the policy's Cash Surrender Value at any time after the policy has been In Force for one year. Nationwide may require that the policy be sent to the Service Center for endorsement. A Partial Surrender Fee may be assessed to each partial surrender; however, Nationwide currently waives the Partial Surrender Fee, see *Fee Table* and *Partial Surrender Fee* in the statutory prospectus.

A partial surrender cannot result in the Total Specified Amount being reduced below the minimum Total Specified Amount indicated on the Policy Data Pages or disqualifying the policy as life insurance under Section 7702 of the Code. Partial surrenders may be subject to income tax penalties. They could also cause the policy to become a "modified endowment contract" under the Code, which could change the income tax treatment of any distribution from the policy.

**Reduction of the Total Policy Specified Amount due to a Partial Surrender**

When a partial surrender is taken, the Total Policy Specified Amount will be reduced by the amount necessary to prevent an increase in the Net Amount At Risk (unless the partial surrender is a preferred partial surrender). Reduction of the Total Specified Amount is proportional between the Base Policy Specified Amount and the Rider Specified Amount. The Total Policy Specified Amount reduction will not exceed the partial surrender amount. The policy's charges going forward will be based on the new Total Specified Amount.

Any reduction of the Total Specified Amount will be made in the following order: against the most recent increase in the Total Specified Amount, then against the next most recent increases in the Total Specified Amount in succession, and finally, against the initial Total Specified Amount.

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**Additional Information About Fees**

**The following tables describe the fees and expenses that a Policy Owner will pay when buying, owning, and surrendering or taking partial surrenders from the policy. Please refer to the Policy Data Pages of your policy for information about the specific fees you will pay based on the options you have elected.** 

**The first table describes the fees and expenses that a Policy Owner will pay at the time the Policy Owner pays Premium into the policy, takes partial surrenders from the policy, or transfers Cash Value between investment options.** 

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| | | | |
|:---|:---|:---|:---|
| **Transaction Fees** | **Transaction Fees** | **Transaction Fees** | **Transaction Fees** |
| **Charge** | &nbsp;&nbsp; **When Charge is** <br> **Deducted**<br>| **Amount Deducted** | **Amount Deducted** |
| **Percent of Premium Charge**<sup>1</sup> | &nbsp;&nbsp; Upon making a Premium <br> payment<br>| &nbsp;&nbsp; Maximum:<br> <u>Policy</u> <u>Year</u> <u>1</u><br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> 12% of Premium <br> received<br> up to Target Premium for <br> all policies;<br> 12% of Premium <br> received that exceeds<br> Target Premium for all <br> policies<br>| &nbsp;&nbsp; Currently:<br> <u>Policy</u> <u>Year</u> <u>1</u><br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> 10% of Premium received<br> up to Target Premium for <br> all policies;<br> 2% of Premium if the <br> policy<br> is a modified<br> endowment contract<sup>2</sup>; and<br> 0% of Premium received<br> that exceeds<br> Target Premium if the <br> policy is not a<br> modified endowment <br> contract<br>|
| **Illustration Charge**<sup>3</sup> | &nbsp;&nbsp; If illustration requests <br> exceed 10 in any 12 month <br> period<br>| &nbsp;&nbsp; Maximum: <br> $25<br>| &nbsp;&nbsp; Currently:<br> $25<br>|
| **Partial Surrender Fee** | Upon a partial surrender | &nbsp;&nbsp; Maximum:<br> $25<br>| &nbsp;&nbsp; Currently: <br> $0<br>|
| **Overloan Lapse Protection Rider** <br> **Charge**<sup>†</sup><br>| Upon invoking the Rider | &nbsp;&nbsp; Maximum: <br> For policies issued with <br> the guideline premium/<br> cash value corridor test:<br> $42.50 per $1,000 of <br> Cash Value<br> For policies issued with <br> the cash value <br> accumulation test:<br> $157 per $1,000 of Cash <br> Value<br>| &nbsp;&nbsp; Minimum:<br> $1.50 per $1,000 of Cash <br> Value <br>|
| *Representative: an Attained Age85*<br> *Insured with a Cash Value of $500,000*<br>| *Upon invoking the Rider* | *$32 per $1,000 of Cash Value* | *$32 per $1,000 of Cash Value* |

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<sup>†</sup>

This charge will vary based upon the individual characteristics of the Insured. Representative charges shown in the table may not be representative of the charge that a particular Policy Owner will pay. Policy Owners can request an illustration of specific costs and/or see the Policy Data Pages for information about specific charges of the policy.

<sup>1</sup>

The Percent of Premium Charge is assessed each time a Premium payment is received. The Percent of Premium Charge will depend on whether the Target Premium for the year in which the Premium is received has been reached. For the applicable charge for all policy years after the first policy year, see *Percent of Premium Charge* in the statutory prospectus.

<sup>2</sup>

For policies that are modified endowment contracts the charge is 2%. For policies that are not modified endowment contracts, the charge is 0%.

<sup>3</sup>

The Policy Owner will be expected to pay the Illustration Charge at the time of the request. This charge will not be deducted from the policy's Cash Value.

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**The next table describes the fees and expenses that a Policy Owner will pay periodically while the policy is In Force, not including underlying mutual fund operating expenses.** 

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| | | | |
|:---|:---|:---|:---|
| **Periodic Charges Other than Annual Underlying Mutual Fund Expenses** | **Periodic Charges Other than Annual Underlying Mutual Fund Expenses** | **Periodic Charges Other than Annual Underlying Mutual Fund Expenses** | **Periodic Charges Other than Annual Underlying Mutual Fund Expenses** |
| **Base Contract Charges** | **Base Contract Charges** | **Base Contract Charges** | **Base Contract Charges** |
| **Charge** | &nbsp;&nbsp; **When Charge is** <br> **Deducted**<br>| **Amount Deducted** | **Amount Deducted** |
| **Cost of Insurance Charge**<sup>†</sup> | Monthly  | &nbsp;&nbsp; Maximum:<br> $83.33 per $1,000 of Net <br> Amount At Risk <br>| &nbsp;&nbsp; Minimum:<br> $0.03 per $1,000 of Net <br> Amount At Risk<br>|
| *Representative: an individual* <br> *Insured, unisex, Issue Age42,* <br> *non-tobacco, Total Specified Amount* <br> *$250,000, Death* <br> *Benefit Option 1, policy year* <br> *10 and issued on a* <br> *guaranteed issue basis*<br>| *Monthly* | *Currently: $0.37 per $1,000 of Net Amount At Risk* | *Currently: $0.37 per $1,000 of Net Amount At Risk* |
| **Flat Extra Charge**<sup>1</sup> | Monthly | &nbsp;&nbsp; Maximum: <br> $2.08 per $1,000 of Net Amount At Risk for each Flat <br> Extra assessed | &nbsp;&nbsp; Maximum: <br> $2.08 per $1,000 of Net Amount At Risk for each Flat <br> Extra assessed |
| **Base Policy Specified Amount Charge**<sup>†</sup> <br>| Monthly | &nbsp;&nbsp; Maximum:<br> $0.40 per $1,000 of <br> Base Policy Specified <br> Amount<br>| &nbsp;&nbsp; Minimum:<br> $0.00 per $1,000 of Base <br> Policy Specified <br> Amount<br>|
| *Representative: an individual* <br> *Insured, unisex, Issue Age42,* <br> *non-tobacco, Total Specified Amount* <br> *$250,000, Death* <br> *Benefit Option 1, policy year* <br> *one and issued on a* <br> *guaranteed issue basis*<br>| *Monthly* | &nbsp;&nbsp; *Currently: $0.00 per $1,000 of Base Policy Specified* <br> *Amount* | &nbsp;&nbsp; *Currently: $0.00 per $1,000 of Base Policy Specified* <br> *Amount* |
| **Variable Account Asset Charge**<sup>2</sup> | Monthly | &nbsp;&nbsp; Maximum:<br> 0.90% of Cash Value<br> allocated to the Sub-<br> Accounts<br>| &nbsp;&nbsp; Currently: <br> 0.65% of Cash Value<br> allocated to the Sub-<br> Accounts<br>|
| **Administrative Per Policy Charge** | Monthly | &nbsp;&nbsp; Maximum: <br> $10.00 per policy<br>| &nbsp;&nbsp; Currently:<br> $0.00 per policy<br>|
| **Policy Loan Interest Charge**<sup>3</sup> | &nbsp;&nbsp; Annually<br> and at the time of certain <br> events and transactions<br>| &nbsp;&nbsp; Maximum:<br> 2.50% of Indebtedness<br>| &nbsp;&nbsp; Currently:<br> 2.00% of Indebtedness<br>|
| **Optional Benefit Charges** | **Optional Benefit Charges** | **Optional Benefit Charges** | **Optional Benefit Charges** |
| **Charge** | &nbsp;&nbsp; **When Charge is** <br> **Deducted**<br>| **Amount Deducted** | **Amount Deducted** |
| **Additional Term Insurance Rider Cost** <br> **of Insurance Charge**<sup>†</sup><br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> *The Rider is available for election until the* <br> *Insured reaches Attained Age100.*<br>| Monthly | &nbsp;&nbsp; Maximum:<br> $83.33 per $1,000 of <br> Rider Death Benefit<br>| &nbsp;&nbsp; Minimum:<br> $0.01 per $1,000 of<br> Rider Death Benefit<br>|

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| | | | |
|:---|:---|:---|:---|
| **Optional Benefit Charges** | **Optional Benefit Charges** | **Optional Benefit Charges** | **Optional Benefit Charges** |
| *Representative: an individual* <br> *Insured, unisex, Issue Age42,* <br> *non-tobacco, Total Specified Amount* <br> *$250,000, Death* <br> *Benefit Option 1, policy year* <br> *10 and issued on a* <br> *guaranteed issue basis*<br>| *Monthly* | *$0.16 per $1,000 of Rider Death Benefit* | *$0.16 per $1,000 of Rider Death Benefit* |
| **Additional Term Insurance Rider** <br> **Specified Amount Charge**<sup>†</sup> <br>| Monthly | &nbsp;&nbsp; Maximum:<br> $0.40 per $1,000 of <br> Rider Specified Amount<br>| &nbsp;&nbsp; Minimum:<br> $0.00 per $1,000 of <br> Rider Specified Amount<br>|
| *Representative: an individual* <br> *Insured, unisex, Issue Age42,* <br> *non-tobacco, Total Specified Amount* <br> *$250,000, Death* <br> *Benefit Option 1, policy year* <br> *one and issued on a* <br> *guaranteed issue basis*<br>| *Monthly* | *$0.00 per $1,000 of Rider Specified Amount* | *$0.00 per $1,000 of Rider Specified Amount* |

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<sup>†</sup>

This charge will vary based upon the individual characteristics of the Insured. Representative charges shown in the table may not be representative of the charge that a particular Policy Owner will pay. Policy Owners can request an illustration of specific costs and/or see the Policy Data Pages for information about specific charges of the policy.

<sup>1</sup>

The Flat Extra Charge is only applicable if certain factors result in an Insured having a Substandard Rating, see Cost of Insurance in the statutory prospectus. An Insured with more than one Substandard Rating may be assessed more than one Flat Extra Charge.

<sup>2</sup>

The Variable Account Asset Charge may be reduced by an amount substantially equal to payments Nationwide expects to receive from certain underlying mutual funds based on the policy's non-loaned Cash Value allocated to certain Sub-Accounts, see Variable Account Asset Charge in the statutory prospectus.

<sup>3</sup>

The maximum and current Policy Loan Interest Charge rates are stated as gross rates of interest charged. The effective annual interest rate Nationwide may charge against Indebtedness will never exceed 2.50%. Currently, the effective annual interest rate charged on Indebtedness is 2.00% for the first ten policy years and 1.00% thereafter. The Policy Loan Interest Charge is described in more detail in Policy Loans in the statutory prospectus.

**The next table shows the minimum and maximum total operating expenses charged by the underlying mutual funds that a Policy Owner may periodically pay while the policy is In Force. Expenses shown may change over time and may be higher or lower in the future. A complete list of the underlying mutual funds available under the policy, including their annual expenses, may be found at the back of this document in *Appendix: Underlying Mutual Funds Available Under the Policy.*** 

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| | | |
|:---|:---|:---|
| **Annual Underlying Mutual Fund Expenses** | **Annual Underlying Mutual Fund Expenses** | **Annual Underlying Mutual Fund Expenses** |
|  | **Minimum** | **Maximum** |
| (Expenses that are deducted from underlying mutual fund assets, including <br> management fees, distribution and/or service (12b-1) fees, and other expenses, as a <br> percentage of average underlying mutual fund net assets.)<br>| 0.03% | 2.48% |

---

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**Appendix: Underlying Mutual Funds Available Under the Policy**

The following is a list of underlying mutual funds available under the policy. More information about the underlying mutual funds is available in the prospectuses for the underlying mutual funds, which may be amended from time to time and can be found online at https://nationwide.onlineprospectus.net/NW/C000211469NW/index.php. This information can also be obtained at no cost by calling 1-877-351-8808 or by sending an email request to NILI_Information_Request@nationwide.com. The availability of investment options may vary depending on the broker-dealer through which the policy is sold (see *Appendix F: Financial Intermediary Variations* in the statutory prospectus).

The current expenses and performance information below reflects fees and expenses of the underlying mutual funds, but do not reflect the other fees and expenses that the policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each underlying mutual fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Equity | &nbsp;&nbsp; **AllianceBernstein Variable Products Series Fund, Inc. - AB** <br> **VPS Discovery Value Portfolio: Class A**<br> Investment Advisor: AllianceBernstein L.P.<br>| 0.82% | 2.89% | 8.75% | 8.55% |
| Equity | &nbsp;&nbsp; **AllianceBernstein Variable Products Series Fund, Inc. - AB** <br> **VPS Relative Value Portfolio: Class A**<br> Investment Advisor: AllianceBernstein L.P.<br>| 0.59%\* | 10.47% | 11.42% | 10.57% |
| Equity | &nbsp;&nbsp; **Allspring Variable Trust - VT Small Cap Growth Fund:** <br> **Class 2**<br> Investment Advisor: Allspring Funds Management, LLC<br> Sub-Advisor: Allspring Global Investments, LLC<br>| 1.16% | 9.25% | -0.96% | 9.94% |
| Allocation | &nbsp;&nbsp; **American Funds Insurance Series® - Asset Allocation** <br> **Fund: Class 2**<br> Investment Advisor: Capital Research and Management <br> Company<br>| 0.54% | 15.85% | 8.97% | 9.77% |
| Fixed Income | &nbsp;&nbsp; **American Funds Insurance Series® - Capital World Bond** <br> **Fund: Class 2**<br> Investment Advisor: Capital Research and Management <br> Company<br>| 0.73% | 9.39% | -2.50% | 1.23% |
| Equity | &nbsp;&nbsp; **American Funds Insurance Series® - Global Small** <br> **Capitalization Fund: Class 2**<br> Investment Advisor: Capital Research and Management <br> Company<br>| 0.90%\* | 14.64% | 0.49% | 7.23% |
| Equity | &nbsp;&nbsp; **American Funds Insurance Series® - Growth Fund: Class** <br> **2**<br> Investment Advisor: Capital Research and Management <br> Company<br>| 0.59% | 20.23% | 13.37% | 17.97% |
| Equity | &nbsp;&nbsp; **American Funds Insurance Series® - Growth-Income** <br> **Fund: Class 2**<br> Investment Advisor: Capital Research and Management <br> Company<br>| 0.53% | 18.06% | 13.90% | 13.92% |
| Equity | &nbsp;&nbsp; **American Funds Insurance Series® - International Fund:** <br> **Class 2**<br> Investment Advisor: Capital Research and Management <br> Company<br>| 0.78% | 26.76% | 3.40% | 7.00% |
| Equity | &nbsp;&nbsp; **American Funds Insurance Series® - New World Fund®:** <br> **Class 2**<br> Investment Advisor: Capital Research and Management <br> Company<br>| 0.82%\* | 28.30% | 5.32% | 9.25% |
| Fixed Income | &nbsp;&nbsp; **American Funds Insurance Series® - U.S. Government** <br> **Securities Fund: Class 2**<br> Investment Advisor: Capital Research and Management <br> Company<br>| 0.50%\* | 7.75% | -0.23% | 1.70% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Equity | &nbsp;&nbsp; **American Funds Insurance Series® - Washington Mutual** <br> **Investors Fund: Class 2**<br> Investment Advisor: Capital Research and Management <br> Company<br>| 0.50%\* | 17.21% | 13.89% | 12.36% |
| Fixed Income | &nbsp;&nbsp; **BlackRock Variable Series Funds II, Inc. - BlackRock High** <br> **Yield V.I. Fund: Class I**<br> Investment Advisor: BlackRock Advisors, LLC<br> Sub-Advisor: BlackRock International Limited<br>| 0.54%\* | 8.60% | 4.68% | 6.25% |
| Allocation | &nbsp;&nbsp; **BlackRock Variable Series Funds, Inc. - BlackRock Global** <br> **Allocation V.I. Fund: Class II**<br> Investment Advisor: BlackRock Advisors, LLC<br> Sub-Advisor: BlackRock International Limited and BlackRock <br> (Singapore) Limited<br>| 0.91%\* | 19.53% | 5.62% | 7.42% |
| Equity | &nbsp;&nbsp; **BNY Mellon Investment Portfolios - Small Cap Stock Index** <br> **Portfolio: Service Shares**<br> Investment Advisor: BNY Mellon Investment Adviser, Inc.<br>| 0.61% | 5.36% | 6.65% | 9.15% |
| Equity | &nbsp;&nbsp; **BNY Mellon Stock Index Fund, Inc.: Initial Shares**<br> Investment Advisor: BNY Mellon Investment Adviser, Inc.<br> Sub-Advisor: Mellon Investments Corporation<br>| 0.27% | 17.53% | 14.12% | 14.52% |
| Equity | &nbsp;&nbsp; **BNY Mellon Variable Investment Fund - Appreciation** <br> **Portfolio: Initial Shares**<br> Investment Advisor: BNY Mellon Investment Adviser, Inc.<br> Sub-Advisor: Fayez Sarofim & Co., LLC<br>| 0.85% | 10.07% | 9.37% | 12.92% |
| Capital Preservation | &nbsp;&nbsp; **BNY Mellon Variable Investment Fund - Government** <br> **Money Market Portfolio**<br> Investment Advisor: BNY Mellon Investment Adviser, Inc.<br> Sub-Advisor: Dreyfus, a division of Mellon Investments <br> Corporation<br>| 0.35%\* | 3.93% | 2.89% | 1.79% |
| Equity | &nbsp;&nbsp; **Delaware VIP Trust - Nomura VIP Small Cap Value Series:** <br> **Service Class**<br> Investment Advisor: Delaware Management Company, a series <br> of Nomura Investment Management Business Trust (a <br> Delaware statutory trust)<br>| 1.04% | 7.83% | 8.93% | 8.84% |
| Allocation | &nbsp;&nbsp; **DFA Investment Dimensions Group Inc. - Dimensional VA** <br> **Global Moderate Allocation Portfolio: Institutional Class**<br> Investment Advisor: Dimensional Fund Advisors LP<br>| 0.28%\* | 14.68% | 8.42% | 8.65% |
| Equity | &nbsp;&nbsp; **DFA Investment Dimensions Group Inc. - Dimensional VA** <br> **International Small Portfolio**<br> Investment Advisor: Dimensional Fund Advisors LP<br> Sub-Advisor: Dimensional Fund Advisors Ltd. And DFA <br> Australia Limited<br>| 0.39% | 36.99% | 8.89% | 8.68% |
| Equity | &nbsp;&nbsp; **DFA Investment Dimensions Group Inc. - Dimensional VA** <br> **International Value Portfolio**<br> Investment Advisor: Dimensional Fund Advisors LP<br> Sub-Advisor: Dimensional Fund Advisors Ltd. And DFA <br> Australia Limited<br>| 0.27% | 45.64% | 15.85% | 10.46% |
| Equity | &nbsp;&nbsp; **DFA Investment Dimensions Group Inc. - Dimensional VA** <br> **U.S. Large Value Portfolio**<br> Investment Advisor: Dimensional Fund Advisors LP<br>| 0.21% | 15.83% | 11.97% | 10.51% |
| Equity | &nbsp;&nbsp; **DFA Investment Dimensions Group Inc. - Dimensional VA** <br> **U.S. Targeted Value Portfolio**<br> Investment Advisor: Dimensional Fund Advisors LP<br>| 0.29% | 8.95% | 13.60% | 11.00% |
| Fixed Income | &nbsp;&nbsp; **DFA Investment Dimensions Group Inc. - Dimensional VIT** <br> **Inflation-Protected Securities Portfolio: Institutional Class**<br> Investment Advisor: Dimensional Fund Advisors LP<br>| 0.11% | 7.55% | 1.05% | 3.12% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Equity | &nbsp;&nbsp; **Fidelity Variable Insurance Products - Emerging Markets** <br> **Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: FIL Investment Advisors, FIL Investment Advisors <br> (UK) Limited, FMR Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.87% | 41.04% | 5.77% | 10.82% |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2015 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.51% | 11.78% | 3.90% | 6.50% |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2020 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.54% | 13.18% | 4.73% | 7.27% |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2025 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.56% | 14.47% | 5.41% | 7.92% |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2030 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.59% | 15.33% | 6.13% | 8.77% |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2035 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.63% | 16.58% | 7.44% | 9.89% |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2040 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.67% | 18.66% | 8.89% | 10.76% |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2045 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.70% | 19.73% | 9.33% | 10.98% |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2050 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.70% | 19.68% | 9.33% | 10.98% |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2055 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.70% | 19.71% | 9.33% |  |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2060 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.70% | 19.75% | 9.33% |  |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2065 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.70% | 19.71% | 9.33% |  |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Fund 2070 Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.70% | 19.82% |  |  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Allocation | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - Fidelity VIP** <br> **Freedom Retirement Fund Portfolio: Service Class** <br> **(formerly, Fidelity Variable Insurance Products Fund -** <br> **Fidelity VIP Freedom Income Fund Portfolio: Service** <br> **Class)**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br>| 0.46% | 9.56% | 2.25% | 4.34% |
| Fixed Income | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP Bond** <br> **Index Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: FMR Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.24% | 7.01% | -0.67% |  |
| Equity | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP** <br> **Contrafund® Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: FMR Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.64% | 21.38% | 15.25% | 15.66% |
| Equity | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP Equity-**<br> **Income Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: FMR Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.56% | 18.92% | 12.41% | 11.49% |
| Equity | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP Extended** <br> **Market Index Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: Geode Capital Management, LLC<br>| 0.22% | 12.18% | 7.91% |  |
| Fixed Income | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP Floating** <br> **Rate High Income Portfolio: Initial Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: FMR Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.73% | 5.33% | 6.06% | 5.44% |
| Equity | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP Growth** <br> **Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: FMR Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.65% | 14.78% | 13.58% | 17.33% |
| Equity | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP Index 500** <br> **Portfolio: Initial Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: Geode Capital Management, LLC<br>| 1.71% | 17.78% | 14.31% | 14.70% |
| Equity | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP** <br> **International Index Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: Geode Capital Management, LLC<br>| 0.26% | 33.06% | 7.92% |  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Fixed Income | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP** <br> **Investment Grade Bond Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: FMR Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.47% | 7.14% | -0.06% | 2.61% |
| Equity | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP Total** <br> **Market Index Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: Geode Capital Management, LLC<br>| 0.21% | 17.02% | 13.03% |  |
| Equity | &nbsp;&nbsp; **Fidelity Variable Insurance Products Fund - VIP Value** <br> **Strategies Portfolio: Service Class**<br> Investment Advisor: Fidelity Management & Research <br> Company LLC<br> Sub-Advisor: FMR Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.69% | 7.91% | 12.02% | 10.71% |
| Equity | &nbsp;&nbsp; **Franklin Templeton Variable Insurance Products Trust -** <br> **Franklin Small Cap Value VIP Fund: Class 2**<br> Investment Advisor: Franklin Mutual Advisers, LLC<br>| 0.91%\* | 7.65% | 8.86% | 9.81% |
| Equity | &nbsp;&nbsp; **Goldman Sachs Variable Insurance Trust - Goldman** <br> **Sachs Mid Cap Growth Fund: Service Shares**<br> Investment Advisor: Goldman Sachs Asset Management, L.P.<br>| 0.98%\* | 7.36% | 4.68% | 11.59% |
| Equity | &nbsp;&nbsp; **Goldman Sachs Variable Insurance Trust - Goldman** <br> **Sachs Small Cap Equity Insights Fund: Institutional** <br> **Shares**<br> Investment Advisor: Goldman Sachs Asset Management, L.P.<br>| 0.82%\* | 16.14% | 10.48% | 10.85% |
| Equity | &nbsp;&nbsp; **Invesco - Invesco V.I. Comstock Fund: Series I Shares**<br> Investment Advisor: Invesco Advisers, Inc.<br>| 0.75% | 17.44% | 15.43% | 11.95% |
| Equity | &nbsp;&nbsp; **Invesco - Invesco V.I. Discovery Mid Cap Growth Fund:** <br> **Series I**<br> Investment Advisor: Invesco Advisers, Inc.<br>| 0.86% | 4.79% | 3.90% | 11.38% |
| Equity | &nbsp;&nbsp; **Invesco - Invesco V.I. Global Fund: Series I**<br> Investment Advisor: Invesco Advisers, Inc.<br>| 0.81% | 15.32% | 7.28% | 11.00% |
| Equity | &nbsp;&nbsp; **Invesco - Invesco V.I. Main Street Small Cap Fund: Series I**<br> Investment Advisor: Invesco Advisers, Inc.<br>| 0.84% | 8.70% | 8.34% | 10.59% |
| Equity | &nbsp;&nbsp; **Ivy Variable Insurance Portfolios - Nomura VIP Science** <br> **and Technology Series: Service Class**<br> Investment Advisor: Delaware Management Company, a series <br> of Nomura Investment Management Business Trust (a <br> Delaware statutory trust)<br>| 1.15% | 33.36% | 13.71% | 17.20% |
| Allocation | &nbsp;&nbsp; **Janus Aspen Series - Janus Henderson Balanced** <br> **Portfolio: Service Shares**<br> Investment Advisor: Janus Henderson Investors US LLC<br>| 0.87% | 14.82% | 8.21% | 9.86% |
| Equity | &nbsp;&nbsp; **Janus Aspen Series - Janus Henderson Enterprise** <br> **Portfolio: Service Shares**<br> Investment Advisor: Janus Henderson Investors US LLC<br>| 0.97% | 7.41% | 7.35% | 12.51% |
| Equity | &nbsp;&nbsp; **Janus Aspen Series - Janus Henderson Global** <br> **Technology and Innovation Portfolio: Service Shares**<br> Investment Advisor: Janus Henderson Investors US LLC<br>| 0.97% | 24.84% | 13.44% | 21.18% |
| Equity | &nbsp;&nbsp; **Legg Mason Partners Variable Equity Trust - ClearBridge** <br> **Variable Small Cap Growth Portfolio: Class I**<br> Investment Advisor: Franklin Templeton Fund Adviser, LLC<br> Sub-Advisor: ClearBridge Investments, LLC<br>| 0.81% | 9.23% | -0.17% | 9.38% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Fixed Income | &nbsp;&nbsp; **Lincoln Variable Insurance Products Trust - LVIP** <br> **American Century Inflation Protection Fund: Standard** <br> **Class II**<br> Investment Advisor: Lincoln Financial Investments Corporation<br> Sub-Advisor: American Century Investment Management, Inc.<br>| 0.47%\* | 6.60% | 0.87% | 2.87% |
| Equity | &nbsp;&nbsp; **Lincoln Variable Insurance Products Trust - LVIP** <br> **American Century Value Fund: Standard Class II**<br> Investment Advisor: Lincoln Financial Investments Corporation<br> Sub-Advisor: American Century Investment Management, Inc.<br>| 0.71%\* | 16.02% | 11.65% | 10.23% |
| Equity | &nbsp;&nbsp; **Lincoln Variable Insurance Products Trust - LVIP** <br> **JPMorgan Mid Cap Value Fund: Standard Class**<br> Investment Advisor: Lincoln Financial Investments Corporation<br> Sub-Advisor: J.P. Morgan Investment Management Inc.<br>| 0.74% | 4.72% | 9.63% | 8.77% |
| Equity | &nbsp;&nbsp; **Lincoln Variable Insurance Products Trust - LVIP** <br> **JPMorgan Small Cap Core Fund: Standard Class**<br> Investment Advisor: Lincoln Financial Investments Corporation<br> Sub-Advisor: J.P. Morgan Investment Management Inc.<br>| 0.77% | 10.27% | 6.40% | 8.95% |
| Fixed Income | &nbsp;&nbsp; **Lord Abbett Series Fund, Inc. - Bond Debenture Portfolio:** <br> **Class VC**<br> Investment Advisor: Lord, Abbett & Co. LLC<br>| 0.98% | 8.32% | 2.09% | 4.72% |
| Fixed Income | &nbsp;&nbsp; **Lord Abbett Series Fund, Inc. - Short Duration Income** <br> **Portfolio: Class VC**<br> Investment Advisor: Lord, Abbett & Co. LLC<br>| 0.72%\* | 5.90% | 2.25% | 2.62% |
| Fixed Income | &nbsp;&nbsp; **Lord Abbett Series Fund, Inc. - Total Return Portfolio:** <br> **Class VC**<br> Investment Advisor: Lord, Abbett & Co. LLC<br>| 0.71% | 7.19% | 0.07% | 2.28% |
| Equity | &nbsp;&nbsp; **MFS® Variable Insurance Trust - MFS Growth Series:** <br> **Service Class**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 0.98%\* | 11.90% | 10.82% | 15.31% |
| Equity | &nbsp;&nbsp; **MFS® Variable Insurance Trust - MFS Mid Cap Growth** <br> **Series: Service Class**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 1.06%\* | 3.40% | 3.03% | 11.32% |
| Equity | &nbsp;&nbsp; **MFS® Variable Insurance Trust - MFS New Discovery** <br> **Series: Service Class**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 1.12%\* | 12.56% | -0.54% | 10.46% |
| Fixed Income | &nbsp;&nbsp; **MFS® Variable Insurance Trust - MFS Total Return Bond** <br> **Series: Service Class**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 0.78%\* | 6.94% | -0.09% | 2.38% |
| Equity | &nbsp;&nbsp; **MFS® Variable Insurance Trust - MFS Value Series:** <br> **Service Class**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 0.94%\* | 12.77% | 9.69% | 9.77% |
| Equity | &nbsp;&nbsp; **MFS® Variable Insurance Trust II - MFS Emerging Markets** <br> **Equity Portfolio: Initial Class**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 1.23%\* | 33.65% | 4.37% | 7.92% |
| Equity | &nbsp;&nbsp; **MFS® Variable Insurance Trust II - MFS International** <br> **Intrinsic Equity Portfolio: Service Class (formerly, MFS®** <br> **Variable Insurance Trust II - MFS International Intrinsic** <br> **Value Portfolio: Service Class)**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 1.14%\* | 32.96% | 7.02% | 9.68% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Equity | &nbsp;&nbsp; **MFS® Variable Insurance Trust II - MFS Research** <br> **International Portfolio: Service Class**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 1.15%\* | 21.75% | 5.25% | 7.27% |
| Equity | &nbsp;&nbsp; **MFS® Variable Insurance Trust III - MFS Global Real** <br> **Estate Portfolio: Initial Class**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 0.90%\* | 3.53% | 1.32% | 5.01% |
| Fixed Income | &nbsp;&nbsp; **MFS® Variable Insurance Trust III - MFS Limited Maturity** <br> **Portfolio: Initial Class**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 0.48%\* | 5.83% | 2.56% | 2.70% |
| Equity | &nbsp;&nbsp; **MFS® Variable Insurance Trust III - MFS Mid Cap Value** <br> **Portfolio: Service Class**<br> Investment Advisor: Massachusetts Financial Services <br> Company<br>| 1.04%\* | 5.75% | 9.90% | 9.69% |
| Fixed Income | &nbsp;&nbsp; **Morgan Stanley Variable Insurance Fund, Inc. - Emerging** <br> **Markets Debt Portfolio: Class I**<br> Investment Advisor: Morgan Stanley Investment Management <br> Inc.<br> Sub-Advisor: Morgan Stanley Investment Management Limited<br>| 1.10%\* | 15.33% | 2.70% | 4.51% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Allspring** <br> **Discovery Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Allspring Global Investments, LLC<br>| 0.83%\* | 5.91% | -2.09% | 9.67% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Blueprint®** <br> **Aggressive Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br>| 0.90%\* | 18.54% | 10.79% | 10.49% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Blueprint®** <br> **Balanced Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br>| 0.78%\* | 12.59% | 6.03% | 6.70% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Blueprint®** <br> **Capital Appreciation Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br>| 0.81%\* | 15.05% | 8.23% | 8.60% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Blueprint®** <br> **Conservative Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br>| 0.74%\* | 8.76% | 2.76% | 4.04% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Blueprint®** <br> **Moderate Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Nationwide Asset Management, LLC<br>| 0.80%\* | 13.60% | 7.22% | 7.72% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Blueprint®** <br> **Moderately Aggressive Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br>| 0.86%\* | 16.51% | 9.45% | 9.54% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Blueprint®** <br> **Moderately Conservative Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br>| 0.78%\* | 11.32% | 4.98% | 5.87% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT BNY Mellon** <br> **Dynamic U.S. Equity Income: Class X**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Newton Investment Management Limited<br>| 0.63%\* | 18.81% | 14.80% | 11.79% |
| Fixed Income | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Bond Index** <br> **Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: BlackRock Investment Management, LLC<br>| 0.39% | 6.80% | -0.75% | 1.63% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Capital Preservation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Government** <br> **Money Market Fund: Class V**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Federated Investment Management Company<br>| 0.42% | 3.96% | 2.99% | 1.89% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT GQG US** <br> **Quality Equity Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: GQG Partners LLC<br>| 0.78%\* | 2.14% | 5.52% | 8.68% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT International** <br> **Equity Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Lazard Asset Management LLC<br>| 0.88%\* | 39.29% | 12.79% | 9.94% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT International** <br> **Index Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: BlackRock Investment Management, LLC<br>| 0.47% | 30.64% | 8.51% | 7.91% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Invesco Small** <br> **Cap Growth Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Invesco Advisers, Inc.<br>| 1.07% | 16.36% | 4.94% | 11.73% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Investor** <br> **Destinations Aggressive Fund: Class II**<br> Investment Advisor: Nationwide Fund Advisors<br>| 1.02% | 19.26% | 8.48% | 9.50% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Investor** <br> **Destinations Conservative Fund: Class II**<br> Investment Advisor: Nationwide Fund Advisors<br>| 0.92% | 8.90% | 1.96% | 3.37% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Investor** <br> **Destinations Moderate Fund: Class II**<br> Investment Advisor: Nationwide Fund Advisors<br>| 0.97% | 14.42% | 5.67% | 6.92% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Investor** <br> **Destinations Moderately Aggressive Fund: Class II**<br> Investment Advisor: Nationwide Fund Advisors<br>| 1.00% | 17.38% | 7.41% | 8.61% |
| Allocation | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Investor** <br> **Destinations Moderately Conservative Fund: Class II**<br> Investment Advisor: Nationwide Fund Advisors<br>| 0.93% | 11.68% | 3.78% | 5.12% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT J.P. Morgan** <br> **Large Cap Growth Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: J.P. Morgan Investment Management Inc.<br>| 0.69%\* | 14.23% |  |  |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT J.P. Morgan** <br> **U.S. Equity Fund: Class Y**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: J.P. Morgan Investment Management Inc.<br>| 0.44% | 14.69% | 13.59% |  |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Jacobs Levy** <br> **Large Cap Growth Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Jacobs Levy Equity Management, Inc.<br>| 0.70%\* | 14.20% | 19.09% | 18.02% |
| Fixed Income | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Loomis Short** <br> **Term Bond Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Loomis, Sayles & Company, L.P.<br>| 0.55% | 5.70% | 2.13% | 2.38% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Mid Cap Index** <br> **Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: BlackRock Investment Management, LLC<br>| 0.41% | 7.05% | 8.70% | 10.28% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Multi-Manager** <br> **Small Company Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Jacobs Levy Equity Management, Inc. and <br> Invesco Advisers, Inc.<br>| 1.05%\* | 10.35% | 8.62% | 11.00% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT NASDAQ-100** <br> **Index Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: BlackRock Investment Management, LLC<br>| 0.47%\* |  |  |  |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Putnam** <br> **International Value Fund: Class X**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Putnam Investment Management, LLC<br>| 0.83%\* | 35.21% | 11.20% | 7.72% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Real Estate** <br> **Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Wellington Management Company LLP<br>| 0.92%\* | 0.58% | 5.69% | 6.00% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT S&P 500 Index** <br> **Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: BlackRock Investment Management, LLC<br>| 0.24%\* | 17.60% | 14.15% | 14.55% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Small Cap** <br> **Index Fund: Class Y**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: BlackRock Investment Management, LLC<br>| 0.25% | 12.54% | 5.91% | 9.46% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Small Cap** <br> **Value Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Jacobs Levy Equity Management, Inc.<br>| 1.06%\* | 2.17% | 8.01% | 7.69% |
| Fixed Income | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Strategic** <br> **Income Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Amundi Asset Management, US<br>| 0.80% | 7.56% | 5.81% | 5.45% |
| Equity | &nbsp;&nbsp; **Nationwide Variable Insurance Trust - NVIT Victory Mid** <br> **Cap Value Fund: Class I**<br> Investment Advisor: Nationwide Fund Advisors<br> Sub-Advisor: Victory Capital Management Inc.<br>| 0.85%\* | 2.39% | 7.91% | 7.66% |
| Fixed Income | &nbsp;&nbsp; **New York Life Investments VP Funds Trust - NYLIM VP** <br> **Floating Rate Portfolio: Initial Class (formerly, New York** <br> **Life Investments VP Funds Trust - NYLI VP Floating Rate** <br> **Portfolio: Initial Class)**<br> Investment Advisor: New York Life Investment Management <br> LLC<br> Sub-Advisor: New York Investors LLC<br>| 0.64% | 5.13% | 5.43% | 5.01% |
| Allocation | &nbsp;&nbsp; **PIMCO Variable Insurance Trust - All Asset Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br> Sub-Advisor: Research Affiliates, LLC<br>| 2.13%\* | 14.20% | 5.60% | 6.77% |
| Fixed Income | &nbsp;&nbsp; **PIMCO Variable Insurance Trust - Global Bond** <br> **Opportunities Portfolio (Unhedged): Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.15% | 12.75% | 0.15% | 2.46% |
| Fixed Income | &nbsp;&nbsp; **PIMCO Variable Insurance Trust - High Yield Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.81% | 8.95% | 3.97% | 5.57% |
| Fixed Income | &nbsp;&nbsp; **PIMCO Variable Insurance Trust - Income Portfolio:** <br> **Institutional Class**<br> Investment Advisor: PIMCO<br>| 0.77% | 10.36% | 3.57% |  |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Fixed Income | &nbsp;&nbsp; **PIMCO Variable Insurance Trust - International Bond** <br> **Portfolio (U.S. Dollar-Hedged): Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.09% | 3.95% | 1.03% | 2.88% |
| Fixed Income | &nbsp;&nbsp; **PIMCO Variable Insurance Trust - Long-Term U.S.** <br> **Government Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 2.48% | 6.29% | -6.79% | 0.02% |
| Fixed Income | &nbsp;&nbsp; **PIMCO Variable Insurance Trust - Low Duration Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.66% | 5.52% | 1.57% | 1.79% |
| Fixed Income | &nbsp;&nbsp; **PIMCO Variable Insurance Trust - Real Return Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.39% | 7.85% | 1.21% | 3.21% |
| Fixed Income | &nbsp;&nbsp; **PIMCO Variable Insurance Trust - Short-Term Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.65% | 4.67% | 3.25% | 2.76% |
| Fixed Income | &nbsp;&nbsp; **PIMCO Variable Insurance Trust - Total Return Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.73% | 8.89% | 0.02% | 2.36% |
| Equity | &nbsp;&nbsp; **Schwab Annuity Portfolios - Schwab® S&P 500 Index** <br> **Portfolio**<br> Investment Advisor: Charles Schwab Investment Management, <br> Inc.<br>| 0.03% | 17.83% | 14.38% | 14.75% |
| Equity | &nbsp;&nbsp; **T. Rowe Price Equity Series, Inc. - T. Rowe Price All-Cap** <br> **Opportunities Portfolio**<br> Investment Advisor: T. Rowe Price Associates, Inc.<br>| 0.80%\* | 16.30% | 12.22% | 16.93% |
| Equity | &nbsp;&nbsp; **T. Rowe Price Equity Series, Inc. - T. Rowe Price Blue Chip** <br> **Growth Portfolio**<br> Investment Advisor: T. Rowe Price Associates, Inc.<br>| 0.75% | 18.74% | 11.68% | 15.54% |
| Equity | &nbsp;&nbsp; **T. Rowe Price Equity Series, Inc. - T. Rowe Price Equity** <br> **Income Portfolio: II**<br> Investment Advisor: T. Rowe Price Associates, Inc.<br>| 0.99% | 14.07% | 10.89% | 10.24% |
| Equity | &nbsp;&nbsp; **T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap** <br> **Growth Portfolio**<br> Investment Advisor: T. Rowe Price Associates, Inc.<br> Sub-Advisor: T. Rowe Price Investment Management, Inc.<br>| 0.84%\* | 3.55% | 3.84% | 9.81% |
| Allocation | &nbsp;&nbsp; **T. Rowe Price Equity Series, Inc. - T. Rowe Price Moderate** <br> **Allocation Portfolio**<br> Investment Advisor: T. Rowe Price Associates, Inc.<br> Sub-Advisor: T. Rowe Price Investment Management, Inc., T. <br> Rowe Price International Ltd, T. Rowe Price Hong Kong <br> Limited<br>| 0.85%\* | 14.50% | 5.50% | 7.84% |
| Equity | &nbsp;&nbsp; **VanEck VIP Trust - VanEck VIP Global Resources Fund:** <br> **Initial Class**<br> Investment Advisor: Van Eck Associates Corporation<br>| 1.08% | 36.48% | 10.51% | 8.33% |
| Allocation | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Balanced Portfolio**<br> Investment Advisor: Wellington Management Company, LLP<br>| 0.20% | 16.46% | 9.29% | 10.03% |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Capital Growth** <br> **Portfolio**<br> Investment Advisor: PRIMECAP Management Company<br>| 0.34% | 28.98% | 13.97% | 14.96% |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Diversified Value** <br> **Portfolio**<br> Investment Advisor: Hotchkis and Wiley Capital Management, <br> LLC, Lazard Asset Management<br>| 0.28% | 16.83% | 13.24% | 11.76% |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Equity Income** <br> **Portfolio**<br> Investment Advisor: Wellington Management Company, LLP; <br> Vanguard Group Inc. (Quantitative Equity Group)<br>| 0.29% | 16.80% | 12.59% | 11.52% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* | &nbsp;&nbsp; **Average Annual Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | &nbsp;&nbsp; **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | &nbsp;&nbsp; **Current**<br> **Expenses** | **1 year** | **5 year** | **10 year** |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Equity Index Portfolio**<br> Investment Advisor: Vanguard Strategic Equity Index <br> Management<br>| 0.14% | 17.70% | 14.27% | 14.66% |
| Fixed Income | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Global Bond Index** <br> **Portfolio**<br> Investment Advisor: The Vanguard Group Inc. (Vanguard Fixed <br> Income Group)<br>| 0.13% | 5.69% | -0.41% |  |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Growth Portfolio**<br> Investment Advisor: Wellington Management Company, LLP<br>| 0.36% | 16.89% | 11.36% | 15.58% |
| Fixed Income | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - High Yield Bond** <br> **Portfolio**<br> Investment Advisor: Wellington Management Company, LLP <br> and Vanguard Group, Inc. (Vanguard Fixed Income Group)<br>| 0.24% | 9.18% | 4.05% | 5.62% |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - International Portfolio**<br> Investment Advisor: Baillie Gifford Overseas Ltd.; Schroder <br> Investment Management North America, Inc.<br>| 0.32% | 19.97% | 0.62% | 10.48% |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Mid-Cap Index** <br> **Portfolio**<br> Investment Advisor: Vanguard Strategic Equity Index <br> Management<br>| 0.17% | 11.54% | 8.46% | 10.77% |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Real Estate Index** <br> **Portfolio**<br> Investment Advisor: Vanguard Strategic Equity Index <br> Management<br>| 0.26% | 3.11% | 4.51% | 5.08% |
| Fixed Income | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Short-Term** <br> **Investment-Grade Portfolio**<br> Investment Advisor: The Vanguard Group Inc. (Vanguard Fixed <br> Income Group)<br>| 0.14% | 6.85% | 2.23% | 2.81% |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Small Company** <br> **Growth Portfolio**<br> Investment Advisor: ArrowMark Partners; The Vanguard <br> Group, Inc. (Vanguard Quantitative Equity Group)<br>| 0.29% | 6.11% | 3.81% | 9.61% |
| Fixed Income | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Total Bond Market** <br> **Index Portfolio**<br> Investment Advisor: The Vanguard Group Inc. (Vanguard Fixed <br> Income Group)<br>| 0.14% | 6.94% | -0.51% | 1.90% |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Total International** <br> **Stock Market Index Portfolio**<br> Investment Advisor: Vanguard Strategic Equity Index <br> Management<br>| 0.09% | 32.04% | 7.88% |  |
| Equity | &nbsp;&nbsp; **Vanguard Variable Insurance Fund - Total Stock Market** <br> **Index Portfolio**<br> Investment Advisor: Vanguard Strategic Equity Index <br> Management<br>| 0.13% | 16.93% | 12.98% | 14.10% |
| Equity | &nbsp;&nbsp; **Virtus Variable Insurance Trust - Virtus Duff & Phelps Real** <br> **Estate Securities Series: Class I**<br> Investment Advisor: Virtus Investment Advisers, Inc.<br> Sub-Advisor: Duff & Phelps Investment Management Co., an <br> affiliate of VIA.<br>| 0.85%\* | 1.00% | 6.34% | 6.21% |

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\*

This underlying mutual fund's current expenses reflect a temporary fee reduction.

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**Outside back cover page**

This summary prospectus incorporates by reference the statutory prospectus and Statement of Additional Information, both dated May 1, 2026, as amended or supplemented. The statutory prospectus and Statement of Additional Information may be obtained, free of charge, at https://nationwide.onlineprospectus.net/NW/C000211469NW/index.php.

Reports and other information about the Variable Account are available on the SEC's website at http://www.sec.gov. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

SEC Contract Identifier: C000211469

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