Accumulation
Unit – An accounting unit of measure used to calculate the Contract Value allocated to the Variable
Account before the Annuitization Date. |
Annuitant
– The person(s) whose length of
life determines how long annuity payments are paid. The Annuitant must
be living on the date the contract is issued. |
Annuitization
Date – The date on which annuity
payments begin. |
Annuity Commencement Date – The date on which annuity payments are
scheduled to begin. |
Annuity Unit
– An accounting unit of measure used to calculate the value of variable annuity payments. |
Charitable Remainder Trust – A trust meeting the requirements of Section
664 of the Internal Revenue Code. |
Co-Annuitant
– The person designated by the
Contract Owner to receive the benefit associated with the Spousal
Protection Annuity Option. |
Contingent
Annuitant – The individual who
becomes the Annuitant if the Annuitant dies before the Annuitization Date. |
Contract
Anniversary – Each recurring
one-year anniversary of the date the contract was issued. |
Contract
Owner(s) – The person(s) who owns all rights under the contract. |
Contract
Value – The value of all Accumulation Units in a contract plus any amount held in the GTOs and the
collateral fixed account. |
Contract
Year – Each year the contract is in force beginning with the date the contract is issued. |
Daily
Net Assets – A figure that is
calculated at the end of each Valuation Date and represents the sum of all
the Contract Owners interests in the Sub-Accounts after the deduction of underlying mutual fund expenses. |
General
Account – All assets of Nationwide other than those of the Variable Account or in other separate accounts of Nationwide. |
Guaranteed
Term Options("GTOs") – Investment options that provide a guaranteed fixed interest rate paid over
specific term duration and contain a market value adjustment feature. Guaranteed Term
Option is referred to as Target Term Option in the state of
Pennsylvania. |
Individual Retirement Account – An account that qualifies for favorable tax treatment under Section 408(a) of the
Internal Revenue Code, but does not include Roth IRAs. |
Individual Retirement Annuity or IRA – An annuity contract that qualifies for
favorable tax treatment under Section 408(b) of the Internal Revenue
Code, but does not include Roth IRAs or Simple IRAs. |
Interest Anniversary Rate – The compound interest rate used in the calculation of the interest anniversary value for
the Combination Enhanced Death Benefit III Option. |
Investment-Only Contract – A contract purchased by a qualified pension,
profit-sharing, or stock bonus plan as defined by Section 401(a) of the
Internal Revenue Code. |
Monthly Contract Anniversary – Each recurring one-month anniversary of the date the contract was issued. |
Nationwide
– Nationwide Life Insurance
Company. |
Net
Asset Value – The value of one share of an underlying mutual fund at the close of regular trading on the New
York Stock Exchange. |
Non-Qualified Contract – A contract which does not qualify for favorable tax treatment as a Qualified
Plan, IRA, Roth
IRA,
SEP IRA, Simple IRA, or Tax Sheltered Annuity. |
Qualified Plan – A retirement plan that receives favorable tax treatment under Section 401 of the Internal Revenue
Code, including Investment-Only Contracts. In this prospectus, all provisions applicable to Qualified Plans also apply
to Investment-Only Contracts unless specifically stated otherwise. |
Roth
IRA – An annuity contract that qualifies for favorable tax treatment under Section 408A of the Internal Revenue
Code. |
SEC – Securities and Exchange
Commission. |
SEP
IRA – An annuity contract which qualifies for favorable tax treatment under Section 408(k) of the Internal
Revenue Code. |
Service
Center – The department of Nationwide responsible for receiving all service and transaction requests relating to the contract. For service and transaction requests submitted other than by telephone (including fax requests), the
Service Center is Nationwide's mail and document processing facility. For service and transaction requests communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to contact the Service Center is in the Contacting the Service Center provision. |
Simple
IRA – An annuity contract which qualifies for favorable tax treatment under Section 408(p) of the Internal
Revenue Code. |
Sub-Accounts
– Divisions of the Variable Account, each of which invests in a single underlying mutual fund. |
Target
Term Option – Investment options that are, in all material respects, the same as Guaranteed Term Options. All
references in this prospectus to Guaranteed Term Options will also mean Target Term Options (in applicable
jurisdictions). |
Tax
Sheltered Annuity – An annuity
that qualifies for favorable tax treatment under Section 403(b) of the Internal Revenue Code. The Tax Sheltered Annuities sold under this prospectus are not available in connection with
investment plans that are subject to ERISA. |
Valuation
Date – Each day the New York Stock Exchange is open for business or any other day during which there is
a sufficient degree of trading such that the current Net Asset Value of the underlying mutual fund shares might be
materially affected. Values of the Variable Account are determined as of the close of regular trading on the New
York Stock Exchange, which generally closes at 4:00 p.m.
EST. |
Valuation
Period – The period of time commencing at the close of a Valuation
Date and ending at the close of regular trading on the New York Stock Exchange for the next succeeding Valuation
Date. |
Variable Account – Nationwide Variable Account-II, a separate
account that Nationwide established to hold Contract
Owner assets allocated to variable investment options. The Variable Account is divided into Sub-Accounts, each of
which invests in a separate underlying mutual fund. |
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FEES AND EXPENSES
(see Fee Table
and Charges and
Deductions) | |||
Charges for Early
Withdrawals |
None. | ||
Transaction Charges |
Nationwide also charges a loan processing fee at the time each new loan is processed (see Loan Privilege). | ||
Ongoing Fees and
Expenses (annual
charges) |
The table below describes the fees and expenses that you may pay each year,
depending on the options chosen. Please refer to your contract
specifications page for information about the specific fees you will
pay each year based on the options you have elected. | ||
Annual Fee |
Minimum |
Maximum | |
Base Contract |
1.60%1 |
1.60%1 | |
Investment options (underlying mutual fund fees
and expenses) |
0.41%2 |
4.26%2 | |
Optional benefits available for an additional
charge (for a single optional benefit, if elected) |
0.20%1 |
0.65%1 | |
1 As a percentage of Daily Net Assets. 2 As a percentage of underlying mutual fund
assets. | |||
Because each contract is customizable, the options elected affect how much each
Contract Owner will pay. To help you understand the cost of owning
the contract, the following table shows the lowest and highest cost a
Contract Owner could pay each year, based on current charges. | |||
Lowest Annual Cost Estimate:
$1,837.61 |
Highest Annual Cost Estimate:
$5,443.84 | ||
Assumes:
• Investment of $100,000 • 5% annual appreciation
• Least expensive underlying mutual fund fees and expenses • No optional benefits
• No additional purchase payments, transfers or withdrawals |
Assumes: • Investment of $100,000
• 5% annual appreciation • Most expensive combination of
optional benefits and underlying
mutual fund fees and expenses
• No additional purchase payments, transfers or withdrawals |
RISKS | |
Risk of Loss |
Contract Owners of variable annuities can lose money by investing in
the contract, including loss of principal (see Principal Risks). |
Not a Short-Term
Investment |
The contract is not a short-term investment and is not appropriate for an investor
who needs ready access to cash. Nationwide has designed the contract to offer features,
pricing, and investment options that encourage long-term ownership (see Principal Risks). |
Risks Associated with
Investment Options |
• Investment in this contract is subject to the risk of poor investment performance of the
investment options chosen by the Contract Owner.
• Each investment option (including the Guaranteed Term Options) has its own unique risks. • Review the prospectuses and disclosures for the investment options before
making an investment decision.
See Principal Risks. |
Insurance Company Risks |
Investment in the contract is subject to the risks associated with Nationwide, including that any obligations (including interest payable for allocations to the Guaranteed Term
Options), guarantees, or benefits are subject to the claims-paying ability of Nationwide. More information about Nationwide, including its financial strength ratings, is available by contacting Nationwide at the address and/or toll-free phone number indicated in Contacting the Service Center (see Principal Risks). |
RESTRICTIONS |
|
Investments |
• Nationwide reserves the right to add, remove, and substitute investment options
available under the contract (see The Sub-Accounts and Underlying Mutual Funds).
• Allocations to the Guaranteed Term Options that are transferred to another investment option prior to maturity are subject to a market value adjustment (see
Guaranteed Term Options).
• Allocations to the Guaranteed Term Options may not be transferred to another available investment option during the Capital Preservation Plus program period (see Capital Preservation Plus Option).
• Not all investment options may be available under your contract (see
Appendix A: Underlying Mutual Funds Available Under the Contract).
• Transfers between Sub-Accounts are subject to policies designed to deter short-term and excessively frequent transfers. Nationwide may restrict the form in which transfer requests will be accepted (see Transfer Restrictions). |
Optional Benefits |
• Certain optional benefits limit or restrict the investment options available for investment.
• Nationwide reserves the right to discontinue offering any optional benefit. Such a
discontinuance will only apply to new contracts and will not impact
any contracts already in force.
• For certain optional benefits, Nationwide reserves the right to refuse or limit subsequent purchase payments. • For certain optional benefits, a Contract Owner’s ability to continue to receive certain
benefits is contingent on a Contract Owner’s agreement to new terms and conditions.
• For certain optional benefits, while withdrawals are not restricted, the impact of certain
withdrawals could have a negative impact on the amount of the benefit ultimately
available.
• For certain optional benefits, certain withdrawals could negatively impact the amount of
the benefit by an amount greater than the amount withdrawn and/or could terminate
the optional benefit.
See Benefits Under the Contract. |
TAXES | |
Tax Implications |
• Consult with a tax professional to determine the tax implications of an investment in and
payments received under this contract.
• If the contract is purchased through a tax-qualified plan or IRA, there is no additional tax
deferral.
• Earnings in the contract are taxed at ordinary income tax rates at the time of
withdrawals and there may be a tax penalty if withdrawals are taken before the
Contract Owner reaches age 59½. See Appendix B: Contract Types and Tax Information.
|
CONFLICTS OF INTEREST | |
Investment Professional
Compensation |
Some financial professionals receive compensation for selling the contract.
Compensation can take the form of commission and other indirect
compensation in that Nationwide may
share the revenue it earns on this contract with the financial professional’s
firm. This conflict of interest may influence a financial
professional, as these financial professionals may have a financial
incentive to offer or recommend this contract over another investment
(see Distribution, Promotional, and Sales Expenses). |
Exchanges |
Some financial professionals may have a financial incentive to offer an investor a new
contract in place of the one he/she already owns. An investor should only exchange
his/her contract if he/she determines, after comparing the features,
fees, and risks of both contracts, that it is preferable for him/her
to purchase the new contract, rather than to continue to own the
existing one (see Replacements and Distribution, Promotional, and Sales Expenses). |
Transaction Expenses | |
Loan Processing Fee |
$251
|
Annual Contract Expenses | |
Annual Loan Interest Charge (assessed as a reduction to the credited
interest rate) |
2.25%2
|
Base Contract Expenses3(assessed as an annualized percentage of Daily Net Assets) |
1.60% |
Optional Benefit Expenses4 (assessed as an annualized percentage of Daily Net Assets) |
|
Optional Death Benefits5
|
|
One-Month Enhanced Death Benefit II Option Charge |
0.20%6
|
One-Month Enhanced Death Benefit Option Charge (only available until state
approval is received for the One- Month Enhanced Death Benefit II
Option) |
0.20% |
Combination Enhanced Death Benefit III Option Charge (available beginning
January 12, 2015, or the date of state approval (whichever is
later)) |
0.65%7
|
Combination Enhanced Death Benefit II Option Charge (only available until
January 11, 2015, or the date of state approval of the Combination Enhanced
Death Benefit III Option (whichever is later)) |
0.65%8
|
Combination Enhanced Death Benefit Option Charge (no longer
available) |
0.30%9
|
Spousal Protection Annuity Option Charge |
0.20%10
|
Beneficiary Protector II Option Charge |
0.35%11
|
In addition to the charge assessed to variable account allocations, allocations made to the Guaranteed Term
Options will be assessed a fee of 0.35%. |
|
Capital Preservation Plus Option Charge (no longer available)
|
0.50%12
|
In addition to the charge assessed to variable account allocations, allocations made to the Guaranteed Term
Options or Target Term Options will be assessed a fee of 0.50%. |
|
Annual Underlying Mutual Fund Expenses | ||
|
Minimum |
Maximum |
(Expenses that are deducted from underlying mutual fund assets, including
management fees, distribution and/or service (12b-1) fees, and other
expenses, as a percentage of average underlying mutual fund net
assets.) |
0.41% |
4.26% |
|
If the contract is surrendered at the end of the applicable time
period |
If the contract is annuitized at the end of the applicable time
period |
If the contract is not surrendered | |||||||||
|
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
Maximum Annual Underlying
Mutual Fund
Expenses (4.26%) |
$7,938 |
$23,121 |
$37,425 |
$69,667 |
* |
$23,121 |
$37,425 |
$69,667 |
$7,938 |
$23,121 |
$37,425 |
$69,667 |
Minimum Annual Underlying Mutual
Fund Expenses
(0.41%) |
$3,896 |
$11,816 |
$19,913 |
$40,949 |
* |
$11,816 |
$19,913 |
$40,949 |
$3,896 |
$11,816 |
$19,913 |
$40,949 |
Example: |
On a contract where the only optional benefit elected is the Beneficiary Protector II Option,
the Variable Account value will be calculated using unit values with Variable Account
charges of 1.95%. After the benefit is paid, the charge associated with
the Beneficiary Protector II Option will be removed. From that point on,
the Variable Account value will be calculated using the unit values with
Variable Account charges at 1.60%. Thus, the Beneficiary Protector II
Option charge is no longer included in the daily Sub-Account valuation
for the contract. |
Example: |
Sub-Account X with charges of 1.95% will have a lower unit value than Sub-Account X with
charges of 1.60% (higher expenses result in lower unit values). When, upon re-rating,
the unit values used in calculating Variable Account value are dropped
from the higher expense level to the lower expense level, the higher unit
values will cause an incidental increase in the Contract Value. In order
to avoid this incidental increase, Nationwide adjusts the number of units
in the contract down so that the Contract Value after the re-rating is the same as the Contract Value before the re-rating. |
Name of Benefit |
Purpose |
Maximum
Fee |
Brief Description of Restrictions/Limitations
|
Standard Death Benefit |
Death benefit upon
death of Annuitant prior
to Annuitization |
None |
• Certain ownership changes and assignments could reduce the death benefit • Nationwide may limit purchase payments to
$1,000,000
• Death benefit calculation is adjusted if purchase payments exceed $3,000,000 |
Enhanced Surrender
Value for Terminal
Illness |
Early payment of death
benefit (applicable to
both standard and
optional death benefits) |
None |
• Benefit is available after the first Contract Anniversary • Annuitant (or co-annuitant) must be terminally ill
• Requires full surrender of the contract • Restrictions exist on the parties named to the
contract |
Asset Rebalancing (see
Contract Owner
Services) |
Automatic reallocation
of assets on a
predetermined
percentage basis |
None |
• Assets in the GTOs are excluded from the program |
Dollar Cost Averaging
(see Contract Owner Services) |
Long-term transfer
program involving
automatic transfer of
assets |
None |
• Transfers are only permitted from a limited number of Sub-Accounts |
Systematic Withdrawals
(see Contract Owner Services) |
Automatic withdrawals
of Contract Value on a
periodic basis |
None |
• Withdrawals must be at least $100 each |
Custom Portfolio Asset
Rebalancing Service
(see Contract Owner Services) |
Customizable asset
allocation tool with
automatic reallocation
on a periodic basis |
None |
• Only available for contracts that elect the Capital
Preservation Plus Option
• During the program, cannot participate in other asset allocation or asset rebalancing programs • Allocation limitations exist based on asset allocation
models with distinct investment goals |
Name of Benefit |
Purpose |
Maximum
Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
Loans (see Loan
Privilege) |
Loan from Contract
Value |
$25 Loan
Processing
Fee and
2.25%
compound
interest on
outstanding
loan balance |
$25 Loan
Processing
Fee and
2.25%
compound
interest on
outstanding
loan balance |
• Only available to owners of Tax
Sheltered Annuities
• Subject to terms of the Tax Sheltered Annuity plan • Minimum and maximum loan
amounts apply
• Loans must be repaid within a specified period • Loan payments must be made at
least quarterly |
Name of Benefit |
Purpose |
Maximum
Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
One-Month Enhanced
Death Benefit II Option |
Enhanced death benefit |
0.20% (Daily
Net Assets) |
0.20% (Daily
Net Assets) |
• Limited availability
• Annuitant must be 80 or younger at application • May not be elected if another death
benefit option is elected
• Must be elected at application • Election is irrevocable
• Certain ownership changes and assignments could reduce the death benefit • Nationwide may limit purchase
payments to $1,000,000
• Death benefit calculation is adjusted if purchase payments exceed $3,000,000 Spousal Protection Feature • Not applicable to Charitable
Remainder Trusts
• One or both spouses (or a revocable trust of which either or both of the spouses is/are grantor(s)) must be named as the Contract Owner • For contracts issued as an IRA or
Roth IRA, only the person for whom
the IRA or Roth IRA was established
may be named as the Contract
Owner
• Only available to Contract Owner’s spouse • Spouses must be Co-Annuitants
• Both spouses must be 85 or younger at contract issuance • Spouses must be named as
beneficiaries
• No other person may be named as Contract Owner, Annuitant, or primary beneficiary • If the Contract Owner requests to
add a Co-Annuitant after contract
issuance, the date of marriage must
be after the contract issue date and
Nationwide will require the Contract
Owner to provide a copy of the
marriage certificate
• Benefit is forfeited if certain changes to the parties or assignments are made |
Name of Benefit |
Purpose |
Maximum
Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
One-Month Enhanced
Death Benefit Option |
Enhanced death benefit |
0.35% (Daily
Net Assets) |
0.35% (Daily
Net Assets) |
• Limited availability
• Annuitant must be 75 or younger at application • May not be elected if another death
benefit option is elected
• Must be elected at application • Election is irrevocable
• Certain ownership changes and assignments could reduce the death benefit • Nationwide may limit purchase
payments to $1,000,000
• Death benefit calculation is adjusted if purchase payments exceed $3,000,000 Spousal Protection Feature • Not applicable to Charitable
Remainder Trusts
• One or both spouses (or a revocable trust of which either or both of the spouses is/are grantor(s)) must be named as the Contract Owner • For contracts issued as an IRA or
Roth IRA, only the person for whom
the IRA or Roth IRA was established
may be named as the Contract
Owner
• Only available to Contract Owner’s spouse • Spouses must be Co-Annuitants
• Both spouses must be 85 or younger at contract issuance • Spouses must be named as
beneficiaries
• No other person may be named as Contract Owner, Annuitant, or primary beneficiary • If the Contract Owner requests to
add a Co-Annuitant after contract
issuance, the date of marriage must
be after the contract issue date and
Nationwide will require the Contract
Owner to provide a copy of the
marriage certificate
• Benefit is forfeited if certain changes to the parties or assignments are made |
Name of Benefit |
Purpose |
Maximum
Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
Combination Enhanced
Death Benefit III Option |
Enhanced death benefit |
0.65% (Daily
Net Assets) |
0.65% (Daily
Net Assets) |
• Limited availability
• Annuitant must be 70 or younger at application • May not be elected if another death
benefit option is elected
• Must be elected at application • Election is irrevocable
• Certain ownership changes and assignments could reduce the death benefit • Nationwide may limit purchase
payments to $1,000,000
• Death benefit calculation is adjusted if purchase payments exceed $3,000,000 Spousal Protection Feature • Not applicable to Charitable
Remainder Trusts
• One or both spouses (or a revocable trust of which either or both of the spouses is/are grantor(s)) must be named as the Contract Owner • For contracts issued as an IRA or
Roth IRA, only the person for whom
the IRA or Roth IRA was established
may be named as the Contract
Owner
• Only available to Contract Owner’s spouse • Spouses must be Co-Annuitants
• Both spouses must be 85 or younger at contract issuance • Spouses must be named as
beneficiaries
• No other person may be named as Contract Owner, Annuitant, or primary beneficiary • If the Contract Owner requests to
add a Co-Annuitant after contract
issuance, the date of marriage must
be after the contract issue date and
Nationwide will require the Contract
Owner to provide a copy of the
marriage certificate
• Benefit is forfeited if certain changes to the parties or assignments are made |
Name of Benefit |
Purpose |
Maximum
Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
Combination Enhanced
Death Benefit II Option |
Enhanced death benefit |
0.65% (Daily
Net Assets) |
0.65% (Daily
Net Assets) |
• Annuitant must be 70 or younger at
application
• May not be elected if another death benefit option is elected • Must be elected at application
• Election is irrevocable • Certain ownership changes and
assignments could reduce the death
benefit
• Nationwide may limit purchase payments to $1,000,000 • Death benefit calculation is adjusted
if purchase payments exceed
$3,000,000
Spousal Protection Feature
• Not applicable to Charitable Remainder Trusts • One or both spouses (or a revocable
trust of which either or both of the
spouses is/are grantor(s)) must be
named as the Contract Owner
• For contracts issued as an IRA or Roth IRA, only the person for whom the IRA or Roth IRA was established may be named as the Contract Owner • Only available to Contract Owner’s
spouse
• Spouses must be Co-Annuitants • Both spouses must be 85 or younger
at contract issuance
• Spouses must be named as beneficiaries • No other person may be named as
Contract Owner, Annuitant, or
primary beneficiary
• If the Contract Owner requests to add a Co-Annuitant after contract issuance, the date of marriage must be after the contract issue date and Nationwide will require the Contract Owner to provide a copy of the marriage certificate • Benefit is forfeited if certain changes
to the parties or assignments are
made |
Name of Benefit |
Purpose |
Maximum
Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
Combination Enhanced
Death Benefit Option |
Enhanced death benefit |
0.65% (Daily
Net Assets) |
0.65% (Daily
Net Assets) |
• No longer available for election
• Annuitant must be 75 or younger at application • May not be elected if another death
benefit option is elected
• Must be elected at application • Election is irrevocable
• Certain ownership changes and assignments could reduce the death benefit • Nationwide may limit purchase
payments to $1,000,000
• Death benefit calculation is adjusted if purchase payments exceed $3,000,000 Spousal Protection Feature • Not applicable to Charitable
Remainder Trusts
• One or both spouses (or a revocable trust of which either or both of the spouses is/are grantor(s)) must be named as the Contract Owner • For contracts issued as an IRA or
Roth IRA, only the person for whom
the IRA or Roth IRA was established
may be named as the Contract
Owner
• Only available to Contract Owner’s spouse • Spouses must be Co-Annuitants
• Both spouses must be 85 or younger at contract issuance • Spouses must be named as
beneficiaries
• No other person may be named as Contract Owner, Annuitant, or primary beneficiary • If the Contract Owner requests to
add a Co-Annuitant after contract
issuance, the date of marriage must
be after the contract issue date and
Nationwide will require the Contract
Owner to provide a copy of the
marriage certificate
• Benefit is forfeited if certain changes to the parties or assignments are made |
Name of Benefit |
Purpose |
Maximum
Fee |
Current Fee |
Brief Description of Restrictions/
Limitations |
Spousal Protection
Annuity Option |
Second death benefit |
0.10% (Daily
Net Assets) |
0.10% (Daily
Net Assets) |
• Not applicable to Charitable Remainder Trusts • One or both spouses (or a revocable
trust of which either or both of the
spouses is/are grantor(s)) must be
named as the Contract Owner
• For contracts issued as an IRA or Roth IRA, only the person for whom the IRA or Roth IRA was established may be named as the Contract Owner • Only available to Contract Owner’s
spouse
• Spouses must be Co-Annuitants • Both spouses must be 85 or younger
at contract issuance
• Spouses must be named as beneficiaries • No other person may be named as
Contract Owner, Annuitant, or
primary beneficiary
• If the Contract Owner requests to add a Co-Annuitant after contract issuance, the date of marriage must be after the contract issue date and Nationwide will require the Contract Owner to provide a copy of the marriage certificate • Benefit is forfeited if certain changes
to the parties or assignments are
made |
Beneficiary Protector II
Option |
Payment of an amount
that could be used to
pay taxes assessed on
death benefit proceeds |
0.35% (Daily
Net Assets) |
0.35% (Daily
Net Assets) |
• Must be elected at application • Election is irrevocable
• Annuitant must be 75 or younger at application |
Capital Preservation
Plus Option |
Principal protection |
0.50% (Daily
Net Assets
and GTO
guaranteed
rate of
return) |
0.50% (Daily
Net Assets
and GTO
guaranteed
rate of
return) |
• No longer available for election
• Must be elected at application • Investment restrictions apply
• Not available if a loan is outstanding • No new loans are permitted
• Additional purchase payments are not permitted during the program period • Surrenders cannot be taken
exclusively from the GTO
• Transfers to and from the GTO are not permitted during the program period • Restrictions on termination apply |
(A x F) + B(1 - F), where | |||
A |
= |
the greatest of: | |
|
|
(1) |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; |
|
|
(2) |
the total of all purchase payments, less an adjustment for amounts withdrawn; or |
|
|
(3) |
the highest Contract Value on any Contract Anniversary prior to the Annuitant's 86th birthday, less an adjustment for
amounts subsequently withdrawn, plus purchase payments received after that Contract
Anniversary. |
|
If Nationwide does not receive all information necessary to pay the death benefit within one year of the Annuitant's death, the
calculation for A above will be the greater of (1) or (2) above. | ||
B |
= |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; and | |
F |
= |
the ratio of $3,000,000 to the total of all purchase payments made to the contract. |
Example: |
For an example of how the Standard Death Benefit (One-Year Enhanced Death Benefit) is
calculated, see Appendix D: Standard Death Benefit (One-Year Enhanced Death Benefit)
Example |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the
Standard Death Benefit (One-Year Enhanced Death Benefit). On the date of Ms. P’s
death, her Contract Value = $3,500,000, her total purchase payments =
$4,000,000, and A = $4,300,000. Therefore, F = $3,000,000 / $4,000,000 or
0.75, and the death benefit for Ms. P’s contract is determined as
follows: |
(A x F) + B(1 - F), which is |
($4,300,000 x 0.75) + $3,500,000(1 - 0.75), which is |
$3,225,000 + $875,000 |
The death benefit for Ms. P’s contract is $4,100,000. |
Example: |
Mr. V, who has owned his contract for 4 years, was recently diagnosed with a terminal
illness and wishes to surrender his contract. Under the Enhanced Surrender Value for
Terminal Illness, assuming all conditions were met, upon surrender of the
contract, Nationwide will pay Mr. V his Contract Value and an additional
amount necessary to equal the death benefit that Mr. V
elected. |
Example: |
For an example of how the One-Month Enhanced Death Benefit II Option is calculated, see
Appendix E: One-Month Enhanced Death Benefit II Option
Example. |
(A x F) + B(1 - F), where | |||
A |
= |
the greatest of: | |
|
|
(1) |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; |
|
|
(2) |
the total of all purchase payments, less an adjustment for amounts withdrawn; or |
|
|
(3) |
the highest Contract Value on any Monthly Contract Anniversary prior to the Annuitant's 81st birthday, less an adjustment
for amounts subsequently withdrawn, plus purchase payments received after that Monthly Contract
Anniversary. |
|
|
If Nationwide does not receive all information necessary to pay the death benefit within one year of the Annuitant's death, the
calculation for A above will be the greater of (1) or (2) above. | |
B |
= |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; and | |
F |
= |
the ratio of $3,000,000 to the total of all purchase payments made to the contract. |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the
One-Month Enhanced Death Benefit II Option. On the date of Ms. P’s death, her
Contract Value = $3,500,000, her total purchase payments = $4,000,000,
and A = $4,300,000. Therefore, F = $3,000,000 / $4,000,000 or 0.75, and
the death benefit for Ms. P’s contract is determined as
follows: |
(A x F) + B(1 - F), which is |
($4,300,000 x 0.75) + $3,500,000(1 - 0.75), which is |
$3,225,000 + $875,000 |
The death benefit for Ms. P’s contract is $4,100,000. |
Example: |
For an example of how the One-Month Enhanced Death Benefit Option is calculated, see
Appendix F: One-Month Enhanced Death Benefit Option
Example. |
(A x F) + B(1 - F), where | |||
A |
= |
the greatest of: |
|
|
(1) |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; |
|
|
(2) |
the total of all purchase payments, less an adjustment for amounts withdrawn; or |
|
|
(3) |
the highest Contract Value on any Monthly Contract Anniversary prior to the Annuitant's 86th birthday, less an adjustment
for amounts subsequently withdrawn, plus purchase payments received after that Monthly Contract
Anniversary. |
|
If Nationwide does not receive all information necessary to pay the death benefit within one year of the Annuitant's death, the
calculation for A above will be the greater of (1) or (2) above. | ||
B |
= |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; and | |
F |
= |
the ratio of $3,000,000 to the total of all purchase payments made to the contract. |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the
One-Month Enhanced Death Benefit Option. On the date of Ms. P’s death, her
Contract Value = $3,500,000, her total purchase payments = $4,000,000,
and A = $4,300,000. Therefore, F = $3,000,000 / $4,000,000 or 0.75, and
the death benefit for Ms. P’s contract is determined as
follows: |
(A x F) + B(1 - F), which is |
($4,300,000 x 0.75) + $3,500,000(1 - 0.75), which is |
$3,225,000 + $875,000 |
The death benefit for Ms. P’s contract is $4,100,000. |
Example: |
For an example of how the Combination Enhanced Death Benefit III Option is calculated,
see Appendix G: Combination Enhanced Death Benefit III Option Example. |
(A x F) + B(1 - F), where | |||
A |
= |
the greatest of: | |
|
|
(1) |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; |
|
|
(2) |
the total of all purchase payments, less an adjustment for amounts withdrawn; |
|
|
(3) |
the highest Contract Value on any Contract Anniversary before the Annuitant's 81st birthday, less an adjustment for
amounts subsequently withdrawn, plus purchase payments received after that Contract Anniversary;
or |
|
|
(4) |
The interest anniversary value. |
|
If Nationwide does not receive all information necessary to pay the death benefit within one year of the Annuitant's death, the
calculation for A above will be the greater of (1) or (2) above. | ||
B |
= |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; and | |
F |
= |
the ratio of $3,000,000 to the total of all purchase payments made to the contract. |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the
Combination Enhanced Death Benefit III Option. On the date of Ms. P’s death, her
Contract Value = $3,500,000, her total purchase payments = $4,000,000,
and A = $4,300,000. Therefore, F = $3,000,000 / $4,000,000 or 0.75, and
the death benefit for Ms. P’s contract is determined as
follows: |
(A x F) + B(1 - F), which is |
($4,300,000 x 0.75) + $3,500,000(1 - 0.75), which is |
$3,225,000 + $875,000 |
The death benefit for Ms. P’s contract is $4,100,000. |
Example: |
For an example of how the Combination Enhanced Death Benefit II Option is calculated,
see Appendix H: Combination Enhanced Death Benefit II Option
Example. |
(A x F) + B(1 - F), where | |||
A |
= |
the greatest of: | |
|
|
(1) |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; |
|
|
(2) |
the total of all purchase payments, less an adjustment for amounts withdrawn; |
|
|
(3) |
the highest Contract Value on any Contract Anniversary before the Annuitant's 81st birthday, less an adjustment for
amounts subsequently withdrawn, plus purchase payments received after that Contract Anniversary;
or |
|
|
(4) |
the 5% interest anniversary value. |
|
|
If Nationwide does not receive all information necessary to pay the death benefit within one year of the Annuitant's death, the
calculation for A above will be the greater of (1) or (2) above. | |
B |
= |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; and | |
F |
= |
the ratio of $3,000,000 to the total of all purchase payments made to the contract. |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the
Combination Enhanced Death Benefit II Option. On the date of Ms. P’s death, her
Contract Value = $3,500,000, her total purchase payments = $4,000,000,
and A = $4,300,000. Therefore, F = $3,000,000 / $4,000,000 or 0.75, and
the death benefit for Ms. P’s contract is determined as
follows: |
(A x F) + B(1 - F), which is |
($4,300,000 x 0.75) + $3,500,000(1 - 0.75), which is |
$3,225,000 + $875,000 |
The death benefit for Ms. P’s contract is $4,100,000. |
Example: |
For an example of how the Combination Enhanced Death Benefit Option is calculated, see
Appendix I: Combination Enhanced Death Benefit Option
Example. |
(A x F) + B(1 - F), where | |||
A |
= |
the greatest of: | |
|
|
(1) |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; |
|
|
(2) |
the total of all purchase payments, less an adjustment for amounts withdrawn; |
|
|
(3) |
the highest Contract Value on any Contract Anniversary before the Annuitant's 81st birthday, less an adjustment for
amounts subsequently withdrawn, plus purchase payments received after that Contract Anniversary;
or |
|
|
(4) |
the 5% interest anniversary value. |
|
If Nationwide does not receive all information necessary to pay the death benefit within one year of the Annuitant's death, the
calculation for A above will be the greater of (1) or (2) above. | ||
B |
= |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; and | |
F |
= |
the ratio of $3,000,000 to the total of all purchase payments made to the contract. |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the
Combination Enhanced Death Benefit Option. On the date of Ms. P’s death, her
Contract Value = $3,500,000, her total purchase payments = $4,000,000,
and A = $4,300,000. Therefore, F = $3,000,000 / $4,000,000 or 0.75, and
the death benefit for Ms. P’s contract is determined as
follows: |
(A x F) + B(1 - F), which is |
($4,300,000 x 0.75) + $3,500,000(1 - 0.75), which is |
$3,225,000 + $875,000 |
The death benefit for Ms. P’s contract is $4,100,000. |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. Ms. P elected the
Spousal Protection Annuity Option. The death benefit on Ms. P’s contract equals
$24,000. |
Ms. P was married to Mr. P at the time of her death. Under the Spousal Protection Annuity
Option, assuming all conditions were met, Mr. P has the option, instead of receiving
the $24,000 death benefit, to continue the contract as if it were his
own. If he elects to do so, the Contract Value, if it is lower than
$24,000, will be adjusted to equal the $24,000 death benefit. From that
point forward, the contract will be his and all provisions of the contract
apply. Upon Mr. P’s death, his beneficiary will then receive a death benefit
equal to the elected death benefit under the contract.
|
a |
= |
the Contract Value on the date the death benefit is calculated and prior to any death benefit calculation; and |
b |
= |
purchase payments, proportionally adjusted for withdrawals. |
Example: |
The Annuitant was age 56 when he purchased the Contract, so his Earnings Percentage
will be 40%. On the date of the Annuitant’s death, the Contract Value = $75,000
and the total purchase payments (adjusted for withdrawals) = $68,000. The
amount of the benefit would be calculated as follows: 40% x
($75,000-$68,000), which equals $2,800. |
a |
= |
Contract Value on the date the second death benefit is calculated (before the second death benefit is calculated); |
b |
= |
the Contract Value on the date the first benefit and the first death benefit were calculated (after the first benefit and
the first death benefit were applied), proportionately adjusted for withdrawals; and
|
c |
= |
purchase payments made after the first benefit was applied, proportionately adjusted for withdrawals. |
Example: |
Continuing on from the previous example, after the death benefit and the first benefit under
the Beneficiary Protector II Option were applied, the Contract Value = $77,800. The
Co- Annuitant was age 72 when the first Annuitant died so the Earnings
Percentage for the second benefit will be 25%. Two years after the credit
for the first benefit, the Co-Annuitant made a subsequent purchase
payment of $5,000. Four years later, the Co-Annuitant passed away. On the
date of her death, the Contract Value = $86,000 and the total purchase
payments (adjusted for withdrawals) = $73,000. The amount of the benefit would be calculated as follows: 25% x ($86,000-$77,800-$5,000), which equals $800. |
Example: |
Ms. D elected the Capital Preservation Plus Option and elected a 10-year program period.
Nationwide informed her of her investment options and she provided her allocation
instructions. At the beginning of the program period, her Contract Value
was $50,000. At the end of the program period, Ms. D’s Contract
Value was $56,000, so no adjustment was made to her contract. Had her
Contract Value been less than $50,000 at the end of the program period,
Nationwide would have adjusted the Contract Value to equal $50,000. |
Trading Behavior |
Nationwide's Response |
Six or more transfer events within
one calendar quarter |
Nationwide will mail a letter to the Contract Owner notifying them that:
(1)they have been identified as engaging in harmful trading practices; and (2)if their transfer events total 11 within two consecutive calendar quarters or 20 within one
calendar year, the Contract Owner will be limited to submitting transfer requests via
U.S. mail on a Nationwide issued form. |
11 transfer events within two
consecutive calendar quarters
OR
20 transfer events within one
calendar year |
Nationwide will automatically limit the Contract Owner to submitting transfer requests via U.S.
mail on a Nationwide issued form. |
Contract Values |
Maximum Outstanding Loan Balance Allowed |
up to $20,000 |
up to 80% of Contract Value (not more than $10,000) |
$20,000 and over |
up to 50% of Contract Value (not more than $50,000*) |
Example: |
|
|
|
|
|
Ms. T takes a loan from her contract of $50,000. After default, the first time interest
is calculated as follows: | |||||
1A.The
total interest rate (collateral interest rate plus finance interest rate) is applied to the outstanding principal; |
Example: |
|
|
|
|
|
6.25% (total
interest rate) |
x |
$50,000
(outstanding principal) |
= |
$3,125 ($2,000
=collateral interest $1,125 = finance interest) |
|
1B.The
amount from 1A representing collateral interest is added to the outstanding principal; | |||||
$2,000
(collateral interest) |
+ |
$50,000
(outstanding principal) |
= |
$52,000
(outstanding
principal and collateral interest) |
|
1C.The
amount from 1A representing finance interest is held separately, and subsequently accrues interest at the total interest rate on a compound basis and will become the outstanding finance interest; and | |||||
$1,125
(outstanding
finance
interest) |
|
|
|
|
|
1D.The
outstanding principal and collateral interest, and the outstanding finance interest, are added to determine the total outstanding principal and interest. | |||||
$52,000
(outstanding
principal and collateral interest) |
+ |
$1,125
(outstanding
finance
interest) |
= |
$53,125 (total
outstanding principal and interest) |
|
Thereafter, when interest is calculated: |
|
|
|
|
|
2A.The
total interest rate (collateral interest rate plus finance interest rate) is applied to the outstanding principal and collateral interest from 1A above; | |||||
6.25% (total
interest rate) |
x |
$52,000 (1A
outstanding principal and
collateral interest) |
= |
$3,250 ($2,080 =
collateral interest $1,170 = finance interest) |
|
2B.The
amount from step 2A representing collateral interest is added to the outstanding principal and collateral interest from 1A; | |||||
$2,080
(collateral interest) |
+ |
$52,000 (1A
outstanding principal and
collateral interest) |
= |
$54,080
(outstanding
principal and collateral interest) |
|
2C.The
total interest rate is applied to the outstanding finance interest from 1C and added to that outstanding finance interest; | |||||
6.25% (total
interest rate) |
x |
$1,125
(outstanding finance
interest) |
= |
$70.31 (finance
interest) |
|
$70.31 (finance
interest) |
+ |
$1,125
(outstanding
finance interest) |
= |
$1,195.31
(outstanding
finance interest) |
|
2D.The
amount from step 2A representing finance interest is added to the outstanding finance interest amount in 2C; | |||||
$1,170 (finance
interest) |
+ |
$1,195.31
(outstanding
finance interest) |
= |
$2,365.31
(outstanding
finance interest) |
|
2E.The
outstanding principal and collateral interest from 2B, and the outstanding finance interest from 2D are added together to determine the total outstanding principal and interest. | |||||
$54,080 (total
outstanding principal and collateral interest) |
+ |
$2,365.31
(outstanding
finance interest) |
= |
$56,445.31 (total
outstanding principal and interest) |
|
Example: |
|
|
|
|
|
This method of interest calculation and accrual is applied to the total outstanding
principal and collateral interest, and finance interest balances until the
entire loan balance is paid. Under this method of interest calculation, after 15 years of default, a $50,000 loan on which no payments were made will accrue as follows: | |||||
Outstanding Principal |
|
$50,000 |
| ||
Outstanding Collateral Interest |
|
$40,047 |
| ||
Outstanding Finance Interest |
|
$34,091 |
| ||
Total Outstanding Principal and Interest |
|
$124,138 |
|
Example: |
Mr. C elects to participate in Asset Rebalancing and has instructed his Contract Value be
allocated as follows: 40% to Sub-Account A, 40% to Sub-Account B, and 20% to
Sub- Account C. Mr. C elects to rebalance quarterly. Each quarter,
Nationwide will automatically rebalance Mr. C’s Contract Value by
transferring Contract Value among the three elected Sub-Accounts so that
his 40%/40%/20% allocation remains intact. |
Example: |
Ms. T elects to participate in Dollar Cost Averaging and has transferred $25,000 to an
eligible Sub-Account (Sub-Account S) that will serve as the source investment option
for her Dollar Cost Averaging program. She would like the Dollar Cost
Averaging transfers to be allocated as follows: $500 to Sub-Account L and
$1,000 to Sub-Account M. Each month, Nationwide will automatically
transfer $1,500 from Sub-Account S and allocate $1,000 to Sub-Account M
and $500 to Sub-Account L. |
Example: |
Ms. H elects to take Systematic Withdrawals equal to $5,000 on a quarterly basis. She has
not directed that the withdrawals be taken from specific Sub-Accounts, so each quarter,
Nationwide will withdraw $5,000 from Ms. H’s contract
proportionally from each Sub- Account, and will mail her a check or wire
the funds to the financial institution of her choice. |
Conservative: |
Designed for Contract Owners that are willing to accept very little risk but still
want to see a small amount of growth. |
Moderately Conservative: |
Designed for Contract Owners that are willing to accept some market volatility in
exchange for greater potential income and growth. |
Balanced: |
Designed for Contract Owners that are willing to accept some market volatility in
exchange for potential long-term returns. |
Moderate: |
Designed for Contract Owners that are willing to accept some short-term price
fluctuations in exchange for potential long-term returns.
|
Capital Appreciation: |
Designed for Contract Owners that are willing to accept more short-term price
fluctuations in exchange for potential long-term returns.
|
Moderately Aggressive: |
Designed for Contract Owners willing to accept sharp, short-term price fluctuations
in exchange for potential long-term returns. |
Aggressive: |
Designed for Contract Owners that are willing to accept more sharp, short-term price
fluctuations in exchange for potential higher long-term returns. |
Example: |
Ms. V elected a living benefit that permits the use of Custom Portfolio Asset Rebalancing
Service and elects to enroll in the service. At the time of enrollment, Ms. V elects to
participate in the Moderate portfolio. She then selects the Sub-Accounts
from the list of Sub-Accounts available in the Moderate portfolio, and
the allocation percentages. Each quarter, Nationwide will automatically
rebalance Ms. V’s Contract Value by transferring Contract Value
among the elected Sub-Accounts so that her allocation percentages remain
intact. |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS
Discovery Value Portfolio: Class B
Investment Advisor: AllianceBernstein L.P. |
1.06% |
16.86% |
10.51% |
7.29% |
Equity |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS
International Value Portfolio: Class B
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2020
Investment Advisor: AllianceBernstein L.P. |
1.15% |
14.83% |
5.55% |
1.83% |
Equity |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS
Relative Value Portfolio: Class A
Investment Advisor: AllianceBernstein L.P. |
0.61%* |
12.03% |
11.85% |
9.32% |
Equity |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS
Relative Value Portfolio: Class B
This underlying mutual fund is no longer available to receive transfers or
new purchase payments effective May 1, 2024
Investment Advisor: AllianceBernstein L.P. |
0.86%* |
11.72% |
11.57% |
9.05% |
Equity |
Allspring Variable Trust - VT Small Cap Growth Fund: Class
2 This underlying mutual fund is only available in contracts for
which good order applications were received before May 1,
2024 Investment Advisor: Allspring Funds Management, LLC
Sub-Advisor: Allspring Global Investments, LLC |
1.17% |
4.11% |
7.68% |
6.60% |
Allocation |
American Funds Insurance Series® - American Funds®
Global Balanced Fund: Class 4
Investment Advisor: Capital Research and Management Company |
1.00%* |
13.45% |
7.16% |
5.20% |
Fixed Income |
American Funds Insurance Series® - American High-Income
Trust: Class 4
Investment Advisor: Capital Research and Management Company |
0.80%* |
12.18% |
5.84% |
4.15% |
Allocation |
American Funds Insurance Series® - Capital Income
Builder®: Class 4
Investment Advisor: Capital Research and Management Company |
0.77%* |
8.76% |
7.18% |
|
Equity |
American Funds Insurance Series® - Global Small
Capitalization Fund: Class 4
Investment Advisor: Capital Research and Management Company |
1.16%* |
15.79% |
8.03% |
5.51% |
Allocation |
American Funds Insurance Series® - Managed Risk Asset
Allocation Fund: Class P2
This underlying mutual fund is only available in contracts for which good
order applications were received before July 14, 2014
Investment Advisor: Capital Research and Management Company
Sub-Advisor: Milliman Financial Risk Management, LLC |
0.90%* |
10.23% |
5.91% |
4.74% |
Equity |
American Funds Insurance Series® - New World Fund®:
Class 4 Investment Advisor: Capital Research and Management
Company |
1.07%* |
15.67% |
8.37% |
4.43% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Fixed Income |
American Funds Insurance Series® - U.S. Government
Securities Fund: Class 2
Investment Advisor: Capital Research and Management Company |
0.49%* |
2.89% |
1.04% |
1.52% |
Equity |
American Funds Insurance Series® - Washington Mutual
Investors Fund: Class 4
Investment Advisor: Capital Research and Management Company |
0.75%* |
16.97% |
12.33% |
9.64% |
Fixed Income |
BlackRock Variable Series Funds II, Inc. - BlackRock High Yield
V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Investment Sub-Advisor: BlackRock International Limited |
0.79%* |
12.94% |
5.50% |
4.22% |
Fixed Income |
BlackRock Variable Series Funds II, Inc. - BlackRock Total Return
V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Investment Sub-Advisor: BlackRock International Limited and BlackRock
(Singapore) Limited |
0.80%* |
5.42% |
1.03% |
1.62% |
Allocation |
BlackRock Variable Series Funds, Inc. - BlackRock 60/40 Target
Allocation ETF V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC |
0.56%* |
15.32% |
8.69% |
|
Equity |
BlackRock Variable Series Funds, Inc. - BlackRock Equity Dividend
V.I. Fund: Class III
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2017
Investment Advisor: BlackRock Advisors, LLC |
0.92%* |
11.99% |
11.27% |
8.73% |
Allocation |
BlackRock Variable Series Funds, Inc. - BlackRock Global
Allocation V.I. Fund: Class III
Investment Advisor: BlackRock Advisors, LLC
Investment Sub-Advisor: BlackRock International Limited and BlackRock
(Singapore) Limited |
1.02%* |
12.49% |
7.38% |
4.63% |
Equity |
BNY Mellon Investment Portfolios - MidCap Stock Portfolio:
Service Shares
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2021
Investment Advisor: BNY Mellon Investment Adviser, Inc.
Sub-Advisor: Newton Investment Management North America, LLC |
1.05%* |
17.99% |
10.42% |
7.17% |
Equity |
BNY Mellon Investment Portfolios - Small Cap Stock Index
Portfolio: Service Shares
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2013
Investment Advisor: BNY Mellon Investment Adviser, Inc. |
0.60%* |
15.39% |
10.40% |
8.04% |
Equity |
BNY Mellon Variable Investment Fund - Opportunistic Small Cap
Portfolio: Service Shares
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2004
Investment Advisor: BNY Mellon Investment Adviser, Inc.
Sub-Advisor: Newton Investment Management North America, LLC |
1.07% |
9.01% |
8.88% |
5.89% |
Allocation |
Calvert Variable Series, Inc. - Calvert VP SRI Balanced
Portfolio: Class F
Investment Advisor: Calvert Research and Management |
0.90% |
16.42% |
9.99% |
7.14% |
Equity |
Calvert Variable Trust, Inc. - CVT Nasdaq 100 Index Portfolio:
Class F (formerly, Calvert Variable Products, Inc.
- Calvert VP Nasdaq 100 Index Portfolio: Class
F) Investment Advisor: Calvert Research and Management
Investment Sub-Advisor: Ameritas Investment Partners, Inc. |
0.73%* |
54.02% |
21.80% |
17.01% |
Equity |
Columbia Funds Variable Insurance Trust II - Columbia Variable
Portfolio - Seligman Global Technology: Class
2 Investment Advisor: Columbia Management Investment Advisors,
LLC |
1.20%* |
44.87% |
25.34% |
20.11% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Fixed Income |
Columbia Funds Variable Series Trust II - Columbia Variable
Portfolio - High Yield Bond Fund: Class
2 Investment Advisor: Columbia Management Investment Advisors,
LLC |
0.89%* |
11.87% |
5.31% |
4.17% |
Equity |
Delaware VIP Trust - Macquarie VIP Small Cap Value Series:
Service Class (formerly, Delaware VIP Trust -
Delaware VIP Small Cap Value Series: Service
Class) Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware statutory
trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.08% |
9.10% |
9.87% |
6.77% |
Fixed Income |
Eaton Vance Variable Trust - Eaton Vance VT Floating-Rate Income
Fund: Initial Class
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2023
Investment Advisor: Eaton Vance Management |
1.17% |
11.21% |
4.13% |
3.22% |
Allocation |
Federated Hermes Insurance Series - Federated Hermes Managed
Volatility Fund II: Service Shares
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2004
Investment Advisor: Federated Global Investment Management Corp.
Sub-Advisor: Federated Global Investment Management Corp., Federated
Investment Management Company, Federated Equity Management
Company of Pennsylvania |
1.22%* |
8.33% |
5.88% |
3.93% |
Fixed Income |
Federated Hermes Insurance Series - Federated Hermes Quality
Bond Fund II: Service Shares
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2008
Investment Advisor: Federated Investment Management Company |
1.06%* |
5.85% |
2.10% |
2.00% |
Equity |
Fidelity Variable Insurance Products - Emerging Markets
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR UK, FMR HK, FMR Japan, FIA, and
FIA(UK) |
1.14% |
9.49% |
7.55% |
4.92% |
Allocation |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom
Fund 2010 Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2023
Investment Advisor: Fidelity Management & Research Company LLC
(FMR) |
0.65% |
9.08% |
5.26% |
4.29% |
Allocation |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom
Fund 2020 Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2023
Investment Advisor: Fidelity Management & Research Company LLC
(FMR) |
0.72% |
12.22% |
7.22% |
5.48% |
Allocation |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom
Fund 2030 Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2023
Investment Advisor: Fidelity Management & Research Company LLC
(FMR) |
0.77% |
14.46% |
9.02% |
6.59% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
Fidelity Variable Insurance Products Fund - VIP Balanced
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.69% |
21.23% |
12.15% |
8.80% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Contrafund®
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.81% |
33.12% |
16.36% |
11.33% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Energy Portfolio:
Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.86% |
0.70% |
13.36% |
2.37% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Equity-Income
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.72% |
10.38% |
12.01% |
8.31% |
Fixed Income |
Fidelity Variable Insurance Products Fund - VIP Floating Rate
High Income Portfolio: Initial Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.75% |
12.17% |
5.60% |
|
Equity |
Fidelity Variable Insurance Products Fund - VIP Growth &
Income Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.74% |
18.37% |
14.50% |
9.99% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Growth Portfolio:
Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.83% |
35.89% |
19.34% |
14.51% |
Fixed Income |
Fidelity Variable Insurance Products Fund - VIP Investment Grade
Bond Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.63% |
6.00% |
1.72% |
2.08% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Fidelity Variable Insurance Products Fund - VIP Mid Cap
Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2017
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited |
0.82% |
14.80% |
12.17% |
7.85% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Overseas
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR UK, FMR HK, FMR Japan, FIA, and
FIA(UK) |
0.98% |
20.22% |
9.71% |
4.65% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Real Estate
Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2023
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity Management
& Research (Japan) Limited |
0.85% |
10.89% |
4.96% |
5.77% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Value Strategies
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.85% |
20.61% |
16.63% |
9.10% |
Allocation |
Franklin Templeton Variable Insurance Products Trust - Franklin
Allocation VIP Fund: Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2021
Investment Advisor: Franklin Advisers, Inc.
Sub-Advisor: Brandywine Global Investment Management, LLC
(Brandywine); ClearBridge Investments, LLC (ClearBridge); Franklin
Templeton Institutional, LLC (FT Institutional); Templeton Global Advisors
Limited (Global Advisors) |
0.82%* |
14.61% |
7.57% |
4.75% |
Allocation |
Franklin Templeton Variable Insurance Products Trust - Franklin
Income VIP Fund: Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2022
Investment Advisor: Franklin Advisers, Inc. |
0.71%* |
8.62% |
6.98% |
5.01% |
Equity |
Franklin Templeton Variable Insurance Products Trust - Franklin
Small Cap Value VIP Fund: Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2013
Investment Advisor: Franklin Mutual Advisers, LLC |
0.91%* |
12.75% |
11.06% |
7.04% |
Equity |
Franklin Templeton Variable Insurance Products Trust - Templeton
Developing Markets VIP Fund: Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before April 30, 2014
Investment Advisor: Templeton Asset Management, Ltd.
Sub-Advisor: Franklin Templeton Investment Management Limited
(FTIML) |
1.35%* |
12.62% |
4.22% |
2.32% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Franklin Templeton Variable Insurance Products Trust - Templeton
Foreign VIP Fund: Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before April 30, 2014
Investment Advisor: Templeton Investment Counsel, LLC |
1.07%* |
20.76% |
5.27% |
1.28% |
Fixed Income |
Franklin Templeton Variable Insurance Products Trust - Templeton
Global Bond VIP Fund: Class 2
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2019
Investment Advisor: Franklin Advisers, Inc. |
0.75%* |
2.88% |
-2.13% |
-0.66% |
Alternative |
Goldman Sachs Variable Insurance Trust - Goldman Sachs
Multi- Strategy Alternatives Portfolio: Service
Shares Investment Advisor: Goldman Sachs Asset Management,
L.P. |
1.21%* |
7.77% |
4.16% |
|
Allocation |
Goldman Sachs Variable Insurance Trust - Goldman Sachs Trend
Driven Allocation Fund: Service Shares
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2018
Investment Advisor: Goldman Sachs Asset Management, L.P. |
0.97%* |
15.57% |
4.81% |
3.41% |
Equity |
Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series
II This underlying mutual fund is only available in contracts for
which good order applications were received before April 30,
2020 Investment Advisor: Invesco Advisers, Inc. |
1.12% |
12.85% |
12.47% |
9.51% |
Equity |
Invesco - Invesco V.I. Global Fund: Series II
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2023
Investment Advisor: Invesco Advisers, Inc. |
1.07% |
34.45% |
12.02% |
8.20% |
Fixed Income |
Invesco - Invesco V.I. Global Strategic Income Fund: Series
II This underlying mutual fund is only available in contracts for
which good order applications were received before May 1,
2015 Investment Advisor: Invesco Advisers, Inc. |
1.17%* |
8.60% |
1.04% |
1.25% |
Equity |
Invesco - Invesco V.I. Main Street Mid Cap Fund: Series II
Shares This underlying mutual fund is only available in contracts for
which good order applications were received before May 1,
2015 Investment Advisor: Invesco Advisers, Inc. |
1.19% |
14.14% |
10.32% |
6.45% |
Equity |
Invesco - Invesco V.I. Main Street Small Cap Fund: Series
II Investment Advisor: Invesco Advisers, Inc. |
1.13% |
17.82% |
12.78% |
8.66% |
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Asset Strategy
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy Asset Strategy:
Class II) This underlying mutual fund is only available in contracts
for which good order applications were received before May 1,
2017 Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware statutory
trust)
Sub-Advisor: Macquarie Investment Management Global
Limited;Macquarie Investment Management Austria Kapitalanlage
AG;Macquarie Investment Management Europe Limited |
0.85%* |
13.90% |
8.27% |
3.48% |
Fixed Income |
Ivy Variable Insurance Portfolios - Macquarie VIP High Income
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy High Income:
Class II) This underlying mutual fund is only available in contracts
for which good order applications were received before May 1,
2017 Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware statutory
trust)
Sub-Advisor: Macquarie Investment Management Global
Limited;Macquarie Investment Management Austria Kapitalanlage
AG;Macquarie Investment Management Europe Limited |
0.96% |
11.95% |
4.46% |
3.70% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Mid Cap Growth
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy Mid Cap Growth:
Class II) Investment Advisor: Delaware Management Company, a series
of Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.10%* |
19.59% |
14.63% |
10.47% |
Allocation |
Janus Aspen Series - Janus Henderson Balanced Portfolio: Service
Shares
Investment Advisor: Janus Henderson Investors US LLC |
0.87% |
15.13% |
9.37% |
7.73% |
Equity |
Janus Aspen Series - Janus Henderson Enterprise Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC |
0.97% |
17.78% |
13.14% |
11.82% |
Fixed Income |
Janus Aspen Series - Janus Henderson Flexible Bond Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC |
0.82%* |
5.29% |
1.55% |
1.66% |
Equity |
Janus Aspen Series - Janus Henderson Forty Portfolio: Service
Shares
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2014
Investment Advisor: Janus Henderson Investors US LLC |
0.80% |
39.65% |
16.64% |
13.45% |
Equity |
Janus Aspen Series - Janus Henderson Global Research Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC |
0.86% |
26.47% |
13.05% |
8.74% |
Equity |
Janus Aspen Series - Janus Henderson Global Sustainable Equity
Portfolio: Institutional Shares
Investment Advisor: Janus Henderson Investors US LLC |
0.87%* |
23.32% |
|
|
Equity |
Janus Aspen Series - Janus Henderson Global Technology and
Innovation Portfolio: Service Shares
Investment Advisor: Janus Henderson Investors US LLC |
0.97% |
54.27% |
20.05% |
16.86% |
Equity |
Janus Aspen Series - Janus Henderson Overseas Portfolio: Service
Shares
Investment Advisor: Janus Henderson Investors US LLC |
1.14% |
10.58% |
10.92% |
3.38% |
Equity |
Legg Mason Partners Variable Equity Trust - ClearBridge Variable
Small Cap Growth Portfolio: Class II
Investment Advisor: Franklin Templeton Fund Advisor, LLC
Investment Sub-Advisor: ClearBridge Investments, LLC |
1.05% |
8.12% |
9.29% |
7.62% |
Equity |
Lincoln Variable Insurance Products Trust - LVIP American Century
Disciplined Core Value Fund: Service
Class This underlying mutual fund is only available in contracts for
which good order applications were received before April 26,
2024 Investment Advisor: Lincoln Financial Investments
Corporation Sub-Advisor: American Century Investment Management,
Inc. |
0.96%* |
8.24% |
9.92% |
7.92% |
Fixed Income |
Lincoln Variable Insurance Products Trust - LVIP American Century
Inflation Protection Fund: Service
Class This underlying mutual fund is only available in contracts for
which good order applications were received before April 26,
2024 Investment Advisor: Lincoln Financial Investments
Corporation Sub-Advisor: American Century Investment Management,
Inc. |
0.77%* |
3.40% |
2.65% |
1.90% |
Equity |
Lincoln Variable Insurance Products Trust - LVIP American Century
Mid Cap Value Fund: Service Class
This underlying mutual fund is only available in contracts for which good
order applications were received before April 26, 2024
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: American Century Investment Management, Inc. |
1.01%* |
6.03% |
10.90% |
8.61% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Lincoln Variable Insurance Products Trust - LVIP American Century
Value Fund: Service Class
This underlying mutual fund is only available in contracts for which good
order applications were received before April 26, 2024
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: American Century Investment Management, Inc. |
0.86%* |
9.02% |
11.71% |
8.36% |
Fixed Income |
Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class
VC Investment Advisor: Lord, Abbett & Co. LLC |
0.71% |
6.34% |
1.21% |
1.83% |
Equity |
MFS® Variable Insurance Trust - MFS New Discovery Series:
Service Class
Investment Advisor: Massachusetts Financial Services Company |
1.12%* |
14.25% |
10.81% |
7.41% |
Equity |
MFS® Variable Insurance Trust - MFS Value Series: Service
Class Investment Advisor: Massachusetts Financial Services
Company |
0.94%* |
7.63% |
11.07% |
8.25% |
Equity |
MFS® Variable Insurance Trust II - MFS International Growth
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company |
1.13%* |
14.39% |
9.20% |
6.09% |
Equity |
MFS® Variable Insurance Trust II - MFS International
Intrinsic Value Portfolio: Service
Class Investment Advisor: Massachusetts Financial Services
Company |
1.14%* |
17.37% |
8.31% |
6.66% |
Equity |
MFS® Variable Insurance Trust II - MFS Massachusetts
Investors Growth Stock Portfolio: Service
Class This underlying mutual fund is only available in contracts for
which good order applications were received before March 27,
2015 Investment Advisor: Massachusetts Financial Services
Company |
0.98%* |
23.70% |
16.39% |
12.44% |
Equity |
MFS® Variable Insurance Trust II - MFS Research
International Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company |
1.14%* |
12.83% |
8.23% |
3.89% |
Fixed Income |
MFS® Variable Insurance Trust III - MFS Limited Maturity
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company |
0.70%* |
5.77% |
2.01% |
1.47% |
Equity |
MFS® Variable Insurance Trust III - MFS Mid Cap Value
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company |
1.04%* |
12.39% |
12.60% |
8.46% |
Fixed Income |
Morgan Stanley Variable Insurance Fund, Inc. - Emerging Markets
Debt Portfolio: Class II
Effective this underlying mutual fund is no longer available to receive
transfers or new purchase payments May 1, 2004
Investment Advisor: Morgan Stanley Investment Management Inc.
Sub-Advisor: Morgan Stanley Investment Management Limited |
1.15%* |
11.69% |
1.38% |
2.07% |
Equity |
Morgan Stanley Variable Insurance Fund, Inc. - Global
Infrastructure Portfolio: Class II
Investment Advisor: Morgan Stanley Investment Management Inc. |
1.12%* |
4.27% |
6.55% |
4.98% |
Equity |
Morgan Stanley Variable Insurance Fund, Inc. - Growth Portfolio:
Class II
Investment Advisor: Morgan Stanley Investment Management Inc. |
0.82%* |
48.32% |
10.95% |
11.62% |
Equity |
Nationwide Variable Insurance Trust - NVIT Allspring Discovery
Fund: Class II
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2023
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Allspring Global Investments, LLC |
1.08%* |
20.44% |
9.35% |
7.35% |
Allocation |
Nationwide Variable Insurance Trust - NVIT American Funds Asset
Allocation Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors |
0.93%* |
13.84% |
8.79% |
6.84% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Fixed Income |
Nationwide Variable Insurance Trust - NVIT American Funds Bond
Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors |
0.87%* |
4.50% |
1.49% |
1.69% |
Equity |
Nationwide Variable Insurance Trust - NVIT American Funds Global
Growth Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors |
1.06%* |
22.14% |
13.21% |
9.14% |
Equity |
Nationwide Variable Insurance Trust - NVIT American Funds Growth
Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors |
0.98%* |
37.95% |
18.22% |
13.91% |
Equity |
Nationwide Variable Insurance Trust - NVIT American Funds
Growth- Income Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors |
0.91%* |
25.68% |
12.93% |
10.49% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Amundi Multi Sector
Bond Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Amundi Asset Management, US |
0.80% |
8.70% |
4.89% |
3.75% |
Equity |
Nationwide Variable Insurance Trust - NVIT AQR Large Cap
Defensive Style Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: AQR Capital Management, LLC |
1.03% |
8.03% |
11.24% |
9.84% |
Equity |
Nationwide Variable Insurance Trust - NVIT BlackRock Equity
Dividend Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
1.05%* |
11.77% |
11.00% |
8.19% |
Allocation |
Nationwide Variable Insurance Trust - NVIT BlackRock Managed
Global Allocation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC and
Nationwide Asset Management, LLC |
1.14%* |
11.81% |
5.54% |
|
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
1.09%* |
19.54% |
11.17% |
7.29% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Balanced
Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
0.95%* |
13.32% |
6.70% |
4.75% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Capital
Appreciation Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
1.00%* |
16.28% |
8.91% |
6.10% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
0.86%* |
8.83% |
3.53% |
2.83% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Managed
Growth & Income Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
1.02%* |
12.49% |
5.00% |
3.47% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Managed
Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
1.01%* |
12.42% |
6.39% |
4.29% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderate
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.97%* |
14.92% |
7.93% |
5.53% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Moderately Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
1.04%* |
17.90% |
10.14% |
6.74% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Moderately Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
0.91%* |
11.70% |
5.70% |
4.19% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT BNY Mellon Core Plus
Bond Fund: Class P
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Insight North America LLC |
0.73%* |
7.36% |
1.98% |
2.04% |
Equity |
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic
U.S. Core Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Newton Investment Management Limited |
0.87%* |
23.56% |
15.23% |
11.57% |
Equity |
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic
U.S. Equity Income: Class II
This underlying mutual fund is no longer available to receive transfers or
new purchase payments effective September 11, 2020
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Newton Investment Management Limited |
1.05%* |
8.65% |
13.10% |
8.95% |
Equity |
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic
U.S. Equity Income: Class Z
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Newton Investment Management Limited |
1.00% |
8.78% |
13.08% |
8.90% |
Equity |
Nationwide Variable Insurance Trust - NVIT Calvert Equity Fund:
Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Atlanta Capital Management Company, LLC
|
0.87%* |
20.68% |
10.98% |
8.56% |
Equity |
Nationwide Variable Insurance Trust - NVIT Columbia Overseas
Value Fund: Class I
This underlying mutual fund is no longer available to receive transfers or
new purchase payments effective October 16, 2020
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Columbia Management Investment Advisers, LLC |
1.02% |
15.56% |
7.25% |
2.74% |
Equity |
Nationwide Variable Insurance Trust - NVIT Columbia Overseas
Value Fund: Class Z
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Columbia Management Investment Advisers,
LLC |
1.13% |
15.36% |
7.06% |
2.52% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Core Bond Fund: Class
II This underlying mutual fund is only available in contracts for
which good order applications were received before May 1,
2023 Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC |
0.84% |
5.05% |
0.47% |
1.44% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT DoubleLine Total
Return Tactical Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: DoubleLine Capital LP |
0.99%* |
5.66% |
0.19% |
|
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Nationwide Variable Insurance Trust - NVIT Emerging Markets Fund:
Class II
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2024
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: NS Partners Ltd |
1.35%* |
3.86% |
-0.01% |
-0.13% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Federated High Income
Bond Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Federated Investment Management Company
|
0.91%* |
13.13% |
4.93% |
4.15% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Government Bond Fund:
Class I
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2022
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC |
0.69%* |
4.70% |
0.21% |
0.82% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Government Money
Market Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Federated Investment Management Company
|
0.47% |
4.75% |
1.60% |
0.98% |
Equity |
Nationwide Variable Insurance Trust - NVIT International Equity
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Lazard Asset Management LLC |
1.23%* |
21.46% |
8.40% |
4.59% |
Equity |
Nationwide Variable Insurance Trust - NVIT International Index
Fund: Class VIII
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.81%* |
17.22% |
7.48% |
3.61% |
Equity |
Nationwide Variable Insurance Trust - NVIT Invesco Small Cap
Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Invesco Advisers, Inc. |
1.34% |
17.16% |
11.25% |
8.06% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
0.91% |
19.38% |
9.32% |
6.73% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Balanced Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
0.86% |
13.04% |
5.59% |
4.41% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Capital Appreciation Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
0.87% |
16.38% |
7.57% |
5.72% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
0.86% |
8.03% |
2.64% |
2.53% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Managed Growth & Income Fund: Class
II Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.84%* |
12.13% |
4.11% |
3.27% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Managed Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.85%* |
12.96% |
5.64% |
4.21% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderate Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
0.86% |
14.72% |
6.53% |
5.08% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderately Aggressive Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
0.88% |
17.93% |
8.43% |
6.19% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderately Conservative Fund: Class II
Investment Advisor: Nationwide Fund Advisors |
0.85% |
11.25% |
4.60% |
3.83% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT iShares® Fixed
Income ETF Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.72%* |
5.22% |
|
|
Equity |
Nationwide Variable Insurance Trust - NVIT iShares® Global
Equity ETF Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.73%* |
20.48% |
|
|
Equity |
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap
Core Fund: Class II
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2023
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc. |
0.89%* |
23.20% |
13.40% |
10.26% |
Equity |
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap
Growth Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Jacobs Levy Equity Management, Inc. |
0.95%* |
34.99% |
22.78% |
15.03% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Loomis Short Term Bond
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Loomis, Sayles & Company, L.P. |
0.80% |
5.69% |
1.19% |
1.10% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Managed American
Funds Asset Allocation Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.97% |
17.22% |
7.60% |
|
Equity |
Nationwide Variable Insurance Trust - NVIT Managed American
Funds Growth-Income Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.96% |
24.31% |
10.94% |
|
Equity |
Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund:
Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.41% |
16.06% |
12.16% |
8.86% |
Equity |
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small
Cap Value Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Jacobs Levy Equity Management, Inc. and WCM
Investment Management, LLC |
1.31%* |
17.15% |
10.77% |
6.57% |
Equity |
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small
Company Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Jacobs Levy Equity Management, Inc. and
Invesco Advisers, Inc. |
1.30%* |
13.69% |
13.02% |
8.20% |
Equity |
Nationwide Variable Insurance Trust - NVIT NS Partners
International Focused Growth Fund: Class
II Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: NS Partners Ltd |
1.23%* |
15.54% |
7.15% |
3.51% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Nationwide Variable Insurance Trust - NVIT Real Estate Fund:
Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Wellington Management Company LLP |
1.17%* |
12.64% |
7.64% |
6.71% |
Equity |
Nationwide Variable Insurance Trust - NVIT S&P 500®
Index Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.50%* |
25.80% |
15.14% |
11.49% |
Equity |
Nationwide Variable Insurance Trust - NVIT Small Cap Index Fund:
Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.60%* |
16.35% |
9.45% |
6.69% |
Equity |
Nationwide Variable Insurance Trust - NVIT Victory Mid Cap Value
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Victory Capital Management Inc. |
1.02%* |
8.63% |
9.93% |
7.81% |
Equity |
Neuberger Berman Advisers Management Trust - Mid-Cap Growth
Portfolio: Class S Shares
This underlying mutual fund is only available in contracts for which good
order applications were received before November 6,
2015 Investment Advisor: Neuberger Berman Investment Advisers
LLC |
1.11%* |
17.96% |
11.86% |
8.69% |
Fixed Income |
Neuberger Berman Advisers Management Trust - Short Duration
Bond Portfolio: Class I Shares
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2012
Investment Advisor: Neuberger Berman Investment Advisers LLC |
0.86% |
5.90% |
1.65% |
1.21% |
Equity |
Neuberger Berman Advisers Management Trust - Sustainable Equity
Portfolio: Class I Shares
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2008
Investment Advisor: Neuberger Berman Investment Advisers LLC |
0.90% |
26.90% |
13.97% |
9.99% |
Allocation |
Northern Lights Variable Trust - TOPS® Managed Risk Balanced
ETF Portfolio: Class 4
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2015
Investment Advisor: ValMark Advisers, Inc.
Sub-Advisor: Milliman Financial Risk Management, LLC |
1.12% |
8.08% |
4.36% |
2.83% |
Allocation |
Northern Lights Variable Trust - TOPS® Managed Risk Growth
ETF Portfolio: Class 4
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2015
Investment Advisor: ValMark Advisers, Inc.
Sub-Advisor: Milliman Financial Risk Management, LLC |
1.10% |
10.71% |
5.51% |
2.98% |
Allocation |
Northern Lights Variable Trust - TOPS® Managed Risk Moderate
Growth ETF Portfolio: Class 4
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2015
Investment Advisor: ValMark Advisers, Inc.
Sub-Advisor: Milliman Financial Risk Management, LLC |
1.10% |
10.04% |
5.14% |
3.17% |
Allocation |
PIMCO Variable Insurance Trust - All Asset Portfolio: Advisor
Class Investment Advisor: PIMCO
Investment Sub-Advisor: Research Affiliates, LLC |
2.29%* |
8.02% |
5.90% |
3.93% |
Fixed Income |
PIMCO Variable Insurance Trust - Emerging Markets Bond Portfolio:
Advisor Class
Investment Advisor: PIMCO |
1.37% |
11.00% |
2.14% |
2.68% |
Fixed Income |
PIMCO Variable Insurance Trust - Income Portfolio: Advisor
Class Investment Advisor: PIMCO |
1.13% |
8.14% |
3.22% |
|
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Fixed Income |
PIMCO Variable Insurance Trust - International Bond Portfolio
(U.S. Dollar-Hedged): Advisor Class
Investment Advisor: PIMCO |
1.28%* |
8.89% |
1.54% |
2.95% |
Fixed Income |
PIMCO Variable Insurance Trust - International Bond Portfolio
(Unhedged): Advisor Class
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2024
Investment Advisor: PIMCO |
1.38%* |
6.11% |
-1.26% |
-0.46% |
Fixed Income |
PIMCO Variable Insurance Trust - Low Duration Portfolio: Advisor
Class
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2024
Investment Advisor: PIMCO |
0.79% |
4.87% |
0.88% |
0.82% |
Fixed Income |
PIMCO Variable Insurance Trust - Real Return Portfolio: Advisor
Class
Investment Advisor: PIMCO |
0.94% |
3.57% |
3.05% |
2.15% |
Fixed Income |
PIMCO Variable Insurance Trust - Short-Term Portfolio: Advisor
Class
Investment Advisor: PIMCO |
0.76% |
5.80% |
2.02% |
1.77% |
Equity |
Pioneer Variable Contracts Trust - Pioneer Fund VCT Portfolio:
Class II
Investment Advisor: Amundi Asset Management US, Inc. |
1.05% |
28.58% |
16.45% |
11.94% |
Allocation |
Putnam Variable Trust - Putnam VT George Putnam Balanced Fund:
Class IB
Investment Advisor: Putnam Investment Management, LLC |
0.92% |
19.90% |
10.43% |
8.03% |
Equity |
Putnam Variable Trust - Putnam VT International Equity Fund:
Class IB
Investment Advisor: Putnam Investment Management, LLC |
1.10% |
18.51% |
9.05% |
3.70% |
Equity |
Putnam Variable Trust - Putnam VT International Value Fund: Class
IB
Investment Advisor: Putnam Investment Management, LLC |
1.13% |
18.68% |
9.70% |
3.88% |
Equity |
Putnam Variable Trust - Putnam VT Large Cap Growth Fund: Class
IB
This underlying mutual fund is only available in contracts for which good
order applications were received before November 19,
2016 Investment Advisor: Putnam Investment Management,
LLC |
0.90% |
44.47% |
18.49% |
14.40% |
Equity |
Putnam Variable Trust - Putnam VT Large Cap Value Fund: Class
IB Investment Advisor: Putnam Investment Management, LLC
|
0.82% |
15.67% |
14.50% |
10.26% |
Equity |
Putnam Variable Trust - Putnam VT Sustainable Leaders Fund: Class
IB
Investment Advisor: Putnam Investment Management, LLC |
0.90% |
26.11% |
16.09% |
12.59% |
Alternative |
Rydex Variable Trust - Multi-Hedge Strategies Fund
This underlying mutual fund is only available in contracts for which good
order applications were received before May 1, 2019
Investment Advisor: Guggenheim Investments |
1.75%* |
4.37% |
4.21% |
2.52% |
Equity |
T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences
Portfolio: II
Investment Advisor: T. Rowe Price Associates, Inc. |
1.11% |
2.68% |
10.96% |
11.03% |
Equity |
T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap Growth
Portfolio: II
Investment Advisor: T. Rowe Price Associates, Inc.
Investment Sub-Advisor: T. Rowe Price Investment Management, Inc.
|
1.09%* |
19.63% |
11.36% |
10.22% |
Equity |
VanEck VIP Trust - VanEck VIP Global Resources Fund: Class
S Investment Advisor: Van Eck Associates Corporation
|
1.36% |
-3.84% |
10.34% |
-1.26% |
Type |
Underlying Mutual Fund and Adviser/Subadviser |
Current
Expenses |
Average Annual Total
Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
VanEck VIP Trust - VanEck VIP Global Resources Fund: Initial
Class This underlying mutual fund is no longer available to receive
transfers or new purchase payments effective May 1,
2012 Investment Advisor: Van Eck Associates Corporation
|
1.12% |
-3.58% |
10.61% |
-1.01% |
Equity |
Virtus Variable Insurance Trust - Virtus Duff & Phelps Real
Estate Securities Series: Class A
Investment Advisor: Virtus Investment Advisers, Inc.
Investment Sub-Advisor: Duff & Phelps Investment Management Co., an
affiliate of VIA. |
1.10%* |
11.03% |
8.55% |
7.95% |
Investment Option |
CPP |
Enhanced CPP |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Relative Value
Portfolio: Class B This underlying mutual fund is only available in
contracts for which good order applications were received before May
1, 2004 |
X |
|
Federated Hermes Insurance Series - Federated Hermes Quality Bond Fund II: Service
Shares This underlying mutual fund is only available in contracts for
which good order applications were received before May 1,
2008 |
X |
|
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2010
Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which good order
applications were received before May 1, 2023 |
X |
X |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2020
Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which good order
applications were received before May 1, 2023 |
X |
X |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2030
Portfolio: Service Class 2
This underlying mutual fund is only available in contracts for which good order
applications were received before May 1, 2023 |
X |
X |
Fidelity Variable Insurance Products Fund - VIP Equity-Income Portfolio: Service
Class 2 |
X |
|
Fidelity Variable Insurance Products Fund - VIP Growth Portfolio: Service Class
2 |
X |
|
Fidelity Variable Insurance Products Fund - VIP Mid Cap Portfolio: Service Class
2 This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2017
|
X |
|
Fidelity Variable Insurance Products Fund - VIP Overseas Portfolio: Service Class
2 |
X |
|
Fidelity Variable Insurance Products Fund - VIP Value Strategies Portfolio: Service
Class 2 This underlying mutual fund is only available in contracts for
which good order applications were received before May 1,
2006 |
X |
|
Investment Option |
CPP |
Enhanced CPP |
Franklin Templeton Variable Insurance Products Trust - Franklin Income VIP Fund:
Class 2 |
X |
|
Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series II
This underlying mutual fund is only available in contracts for which good order
applications were received before April 30, 2020 |
X |
|
Ivy Variable Insurance Portfolios - Macquarie VIP Asset Strategy Series: Service
Class (formerly, Ivy Variable Insurance Portfolios - Delaware Ivy
Asset Strategy: Class II) This underlying mutual fund is only available
in contracts for which good order applications were received before
May 1, 2017 |
X |
|
Janus Aspen Series - Janus Henderson Balanced Portfolio: Service Shares
|
X |
|
Janus Aspen Series - Janus Henderson Forty Portfolio: Service Shares
This underlying mutual fund is only available in contracts for which good order
applications were received before May 1, 2014 |
X |
|
Lincoln Variable Insurance Products Trust - LVIP American Century Disciplined Core
Value Fund: Service Class
This underlying mutual fund is only available in contracts for which good order
applications were received before May 1, 2004 |
X |
|
Lincoln Variable Insurance Products Trust - LVIP American Century Inflation
Protection Fund: Service Class |
X |
|
Lincoln Variable Insurance Products Trust - LVIP American Century Mid Cap Value
Fund: Service Class |
X |
|
MFS® Variable Insurance Trust - MFS Value Series: Service Class
|
X |
|
Nationwide Variable Insurance Trust - NVIT American Funds Asset Allocation Fund:
Class II |
X |
X |
Nationwide Variable Insurance Trust - NVIT American Funds Bond Fund: Class
II |
X |
|
Nationwide Variable Insurance Trust - NVIT American Funds Growth Fund: Class
II |
X |
|
Nationwide Variable Insurance Trust - NVIT AQR Large Cap Defensive Style Fund: Class
II |
X |
|
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Aggressive Fund: Class
II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Balanced Fund: Class
II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Capital Appreciation Fund:
Class II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Conservative Fund: Class
II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderate Fund: Class
II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderately Aggressive Fund:
Class II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderately Conservative
Fund: Class II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Government Bond Fund: Class
I |
X |
|
Nationwide Variable Insurance Trust - NVIT Government Money Market Fund: Class
I |
X |
|
Nationwide Variable Insurance Trust - NVIT Investor Destinations Aggressive Fund:
Class II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Investor Destinations Conservative Fund:
Class II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderate Fund:
Class II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately
Aggressive Fund: Class II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately
Conservative Fund: Class II |
X |
X |
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap Growth Fund: Class
II |
X |
|
Nationwide Variable Insurance Trust - NVIT Loomis Short Term Bond Fund: Class
II This underlying mutual fund is only available in contracts for which
good order applications were received before May 1, 2023
|
X |
|
Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund: Class I
|
X |
|
Nationwide Variable Insurance Trust - NVIT Victory Mid Cap Value Fund: Class
II |
X |
|
Investment Option |
CPP |
Enhanced CPP |
Neuberger Berman Advisers Management Trust - Short Duration Bond Portfolio: Class I
Shares This underlying mutual fund is only available in contracts for
which good order applications were received before May 1,
2012 |
X |
|
Static Asset Allocation Models - American Funds Option (33% NVIT American Funds
Asset Allocation Fund, 33% NVIT American Funds Bond Fund and 34% NVIT
American Funds Growth- Income Fund) |
X |
X |
Static Asset Allocation Models - Balanced Option (50% Nationwide NVIT Investor Dest.
Moderate Fund and 50% Nationwide NVIT Investor Dest. Moderately
Conservative Fund) This underlying mutual fund is only available in
contracts for which good order applications were received before May
1, 2009 |
X |
X |
Static Asset Allocation Models - Capital Appreciation Option (50% Nationwide NVIT
Investor Dest. Moderate Fund and 50% Nationwide NVIT Investor Dest.
Moderately Aggressive Fund) This underlying mutual fund is only
available in contracts for which good order applications were received
before May 1, 2009 |
X |
X |
Custom Portfolio Asset Rebalancing Service - Aggressive |
X |
X |
Custom Portfolio Asset Rebalancing Service - Balanced |
X |
X |
Custom Portfolio Asset Rebalancing Service - Capital Appreciation
|
X |
X |
Custom Portfolio Asset Rebalancing Service - Conservative |
X |
X |
Custom Portfolio Asset Rebalancing Service - Moderate |
X |
X |
Custom Portfolio Asset Rebalancing Service - Moderately Aggressive
|
X |
X |
Custom Portfolio Asset Rebalancing Service - Moderately Conservative
|
X |
X |
Asset Class |
Conservative |
Moderately Conservative |
Balanced |
Moderate |
Capital Appreciation |
Moderately Aggressive1 |
Aggressive
(CPP &
Standard CPPLI
only) |
Large Growth |
6% |
12% |
14% |
17% |
19% |
21% |
22% |
Large Value |
6% |
12% |
14% |
17% |
19% |
21% |
22% |
Mid-Cap |
2% |
3% |
4% |
4% |
6% |
7% |
8% |
Small-Cap |
2% |
3% |
4% |
4% |
4% |
5% |
6% |
International Growth |
2% |
5% |
7% |
9% |
11% |
13% |
16% |
International Value |
2% |
5% |
7% |
9% |
11% |
13% |
16% |
Bonds |
51% |
41% |
36% |
31% |
25% |
20% |
10% |
Short-Term Bonds |
29% |
19% |
14% |
9% |
5% |
0% |
0% |
Cash |
0% |
0% |
0% |
0% |
0% |
0% |
0% |
GRAND TOTAL |
100% |
100% |
100% |
100% |
100% |
100% |
100% |
Investment Option |
Large Value |
Large Growth |
International Growth |
Mid-Cap |
Small-Cap |
International Value |
Bonds |
Short-
Term Bonds |
Cash |
AllianceBernstein Variable
Products Series Fund, Inc. - AB
VPS Discovery Value Portfolio:
Class B |
|
|
|
X |
|
|
|
|
|
BlackRock Variable Series
Funds II, Inc. - BlackRock Total
Return V.I. Fund: Class III |
|
|
|
|
|
|
X |
|
|
Delaware VIP Trust -
Macquarie VIP Small Cap
Value Series: Service Class |
|
|
|
|
X |
|
|
|
|
Fidelity Variable Insurance
Products Fund - VIP Equity-
Income Portfolio: Service Class
2 |
X |
|
|
|
|
|
|
|
|
Fidelity Variable Insurance
Products Fund - VIP Growth &
Income Portfolio: Service Class
2 |
X |
|
|
|
|
|
|
|
|
Fidelity Variable Insurance
Products Fund - VIP Growth
Portfolio: Service Class 2 |
|
X |
|
|
|
|
|
|
|
Fidelity Variable Insurance
Products Fund - VIP
Investment Grade Bond
Portfolio: Service Class 2 |
|
|
|
|
|
|
X |
|
|
Fidelity Variable Insurance
Products Fund - VIP Overseas
Portfolio: Service Class 2 |
|
|
X |
|
|
|
|
|
|
Invesco - Invesco V.I. Main
Street Small Cap Fund: Series
II |
|
|
|
|
X |
|
|
|
|
Ivy Variable Insurance
Portfolios - Macquarie VIP Mid
Cap Growth Series: Service
Class |
|
|
|
X |
|
|
|
|
|
Janus Aspen Series - Janus
Henderson Flexible Bond
Portfolio: Service Shares |
|
|
|
|
|
|
X |
|
|
Lincoln Variable Insurance
Products Trust - LVIP American
Century Inflation Protection
Fund: Service Class |
|
|
|
|
|
|
X |
|
|
Lincoln Variable Insurance
Products Trust - LVIP American
Century Mid Cap Value Fund:
Service Class |
|
|
|
X |
|
|
|
|
|
Lord Abbett Series Fund, Inc. -
Total Return Portfolio: Class VC |
|
|
|
|
|
|
X |
|
|
Investment Option |
Large
Value |
Large
Growth |
International
Growth |
Mid-Cap |
Small-Cap |
International
Value |
Bonds |
Short-
Term
Bonds |
Cash |
MFS® Variable Insurance Trust
- MFS New Discovery Series:
Service Class |
|
|
|
|
X |
|
|
|
|
MFS® Variable Insurance Trust
- MFS Value Series: Service
Class |
X |
|
|
|
|
|
|
|
|
MFS® Variable Insurance Trust
II - MFS International Intrinsic
Value Portfolio: Service Class |
|
|
|
|
|
X |
|
|
|
Nationwide Variable Insurance
Trust - NVIT Allspring
Discovery Fund: Class II |
|
|
|
X |
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT American Funds
Bond Fund: Class II |
|
|
|
|
|
|
X |
|
|
Nationwide Variable Insurance
Trust - NVIT American Funds
Global Growth Fund: Class II |
|
|
X |
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT American Funds
Growth Fund: Class II |
|
X |
|
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT American Funds
Growth-Income Fund: Class II |
|
X |
|
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT AQR Large Cap
Defensive Style Fund: Class II |
X |
|
|
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT BlackRock Equity
Dividend Fund: Class II |
X |
|
|
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT BNY Mellon Core
Plus Bond Fund: Class P |
|
|
|
|
|
|
X |
|
|
Nationwide Variable Insurance
Trust - NVIT BNY Mellon
Dynamic U.S. Core Fund:
Class II |
|
X |
|
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT BNY Mellon
Dynamic U.S. Equity Income:
Class II |
X |
|
|
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT Calvert Equity
Fund: Class II |
|
X |
|
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT Columbia
Overseas Value Fund: Class I |
|
|
|
|
|
X |
|
|
|
Nationwide Variable Insurance
Trust - NVIT Core Bond Fund:
Class II |
|
|
|
|
|
|
X |
|
|
Investment Option |
Large
Value |
Large
Growth |
International
Growth |
Mid-Cap |
Small-Cap |
International
Value |
Bonds |
Short-
Term
Bonds |
Cash |
Nationwide Variable Insurance
Trust - NVIT Government Bond
Fund: Class I |
|
|
|
|
|
|
X |
|
|
Nationwide Variable Insurance
Trust - NVIT Government
Money Market Fund: Class I |
|
|
|
|
|
|
|
|
X |
Nationwide Variable Insurance
Trust - NVIT International
Equity Fund: Class II |
|
|
X |
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT International Index
Fund: Class VIII |
|
|
|
|
|
X |
|
|
|
Nationwide Variable Insurance
Trust - NVIT Invesco Small Cap
Growth Fund: Class II |
|
|
|
|
X |
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT Jacobs Levy Large
Cap Core Fund: Class II |
X |
|
|
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT Jacobs Levy Large
Cap Growth Fund: Class II |
|
X |
|
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT Loomis Short
Term Bond Fund: Class II |
|
|
|
|
|
|
|
X |
|
Nationwide Variable Insurance
Trust - NVIT Mid Cap Index
Fund: Class I |
|
|
|
X |
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT Multi-Manager
Small Cap Value Fund: Class II |
|
|
|
|
X |
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT Multi-Manager
Small Company Fund: Class II |
|
|
|
|
X |
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT NS Partners
International Focused Growth
Fund: Class II |
|
|
X |
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT S&P 500® Index
Fund: Class II |
X |
|
|
|
|
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT Small Cap Index
Fund: Class II |
|
|
|
|
X |
|
|
|
|
Nationwide Variable Insurance
Trust - NVIT Victory Mid Cap
Value Fund: Class II |
|
|
|
X |
|
|
|
|
|
PIMCO Variable Insurance
Trust - Short-Term Portfolio:
Advisor Class |
|
|
|
|
|
|
|
X |
|
Interest Anniversary Rate |
5% |
Date |
Event/Transaction Type |
Transaction Amount |
Contract Value* |
01-01-1986 |
Initial Purchase Payment |
$100,000 |
$100,000 |
01-01-1990 |
Partial Withdrawal |
$10,000 |
$106,678 |
01-01-1994 |
Contract Anniversary |
n/a |
$123,362 |
03-01-1996 |
Annuitant’s 86th birthday |
n/a |
$111,026 |
02-01-2009 |
Annuitant’s death and the
date Nationwide received
information to pay the death
benefit |
n/a |
$119,368 |
(1) |
the Contract Value as of the date that Nationwide receives all the information necessary to pay the death benefit; |
$119,368 |
(2) |
the total of all purchase payments, less an adjustment for amounts withdrawn; or |
$91,429 |
(3) |
the highest Contract Value on any Contract Anniversary prior to the Annuitant's 86th birthday, less an adjustment for amounts subsequently withdrawn, plus purchase payments received after that Contract Anniversary. |
$123,362 |
Date |
Event/Transaction Type |
Transaction Amount |
Contract Value* |
01-01-1986 |
Initial Purchase Payment |
$100,000 |
$100,000 |
02-14-1988 |
Subsequent Purchase
Payment |
$25,000 |
$133,673 |
07-28-1996 |
Partial Withdrawal |
$10,000 |
$176,253 |
09-30-2004 |
Annuitant’s 81st birthday |
n/a |
$242,931 |
03-01-2005 |
Subsequent Purchase
Payment |
$11,000 |
$257,931 |
05-15-2007 |
Partial Withdrawal |
$7,000 |
$274,236 |
04-18-2009 |
Annuitant’s death and the
date Nationwide received
information to pay the death
benefit |
n/a |
$295,786 |
(1) |
the Contract Value as of the date that Nationwide receives all the
information necessary to pay the death benefit; |
$295,786 |
(2) |
the total of all purchase payments, less an adjustment for amounts
withdrawn; or |
$125,617 |
(3) |
the highest Contract Value on any Contract Anniversary prior to the Annuitant's 81st birthday, less an adjustment for amounts subsequently withdrawn, plus purchase payments received after that Contract Anniversary. |
$247,366 |
Date |
Event/Transaction Type |
Transaction Amount |
Contract Value* |
01-01-1986 |
Initial Purchase Payment |
$100,000 |
$100,000 |
02-14-1988 |
Subsequent Purchase
Payment |
$25,000 |
$133,673 |
07-28-1996 |
Partial Withdrawal |
$10,000 |
$176,253 |
09-30-2004 |
Annuitant’s 81st birthday |
n/a |
$242,931 |
03-01-2005 |
Subsequent Purchase
Payment |
$11,000 |
$257,931 |
05-15-2007 |
Partial Withdrawal |
$7,000 |
$274,236 |
04-18-2009 |
Annuitant’s death and the
date Nationwide received
information to pay the death
benefit |
n/a |
$295,786 |
(1) |
the Contract Value as of the date that Nationwide receives all the
information necessary to pay the death benefit; |
$295,786 |
(2) |
the total of all purchase payments, less an adjustment for amounts
withdrawn; or |
$125,617 |
(3) |
the highest Contract Value on any Contract Anniversary prior to the
Annuitant's 81st birthday, less an adjustment for amounts
subsequently withdrawn, plus purchase payments received after that Contract Anniversary. |
$247,366 |
Date |
Event/Transaction Type |
Transaction Amount |
Contract Value* |
01-01-1986 |
Initial Purchase Payment |
$100,000 |
$100,000 |
02-14-1988 |
Subsequent Purchase
Payment |
$25,000 |
$133,666 |
07-28-1996 |
Partial Withdrawal |
$10,000 |
$176,202 |
09-30-2004 |
Annuitant’s 81st birthday |
n/a |
$242,807 |
03-01-2005 |
Subsequent Purchase
Payment |
$11,000 |
$257,803 |
05-15-2007 |
Partial Withdrawal |
$7,000 |
$274,079 |
04-18-2009 |
Annuitant’s death and the
date Nationwide received
information to pay the death
benefit |
n/a |
$295,602 |
(1) |
the Contract Value as of the date that Nationwide receives all the
information necessary to pay the death benefit; |
$295,602 |
(2) |
the total of all purchase payments, less an adjustment for amounts
withdrawn; |
$126,067 |
(3) |
the highest Contract Value on any Contract Anniversary prior to the
Annuitant's 81st birthday, less an adjustment for amounts
subsequently withdrawn, plus purchase payments received after that Contract Anniversary; or |
$240,646 |
(4) |
the interest anniversary value. |
$204,705 |
Date |
Event/Transaction Type |
Transaction Amount |
Contract Value* |
01-01-1986 |
Initial Purchase Payment |
$100,000 |
$100,000 |
02-14-1988 |
Subsequent Purchase
Payment |
$25,000 |
$133,666 |
07-28-1996 |
Partial Withdrawal |
$10,000 |
$176,202 |
09-30-2004 |
Annuitant’s 81st birthday |
n/a |
$242,807 |
03-01-2005 |
Subsequent Purchase
Payment |
$11,000 |
$257,803 |
05-15-2007 |
Partial Withdrawal |
$7,000 |
$274,079 |
04-18-2009 |
Annuitant’s death and the
date Nationwide received
information to pay the death
benefit |
n/a |
$295,602 |
(1) |
the Contract Value as of the date that Nationwide receives all the
information necessary to pay the death benefit; |
$295,602 |
(2) |
the total of all purchase payments, less an adjustment for amounts
withdrawn; or |
$126,067 |
(3) |
the highest Contract Value on any Contract Anniversary prior to the
Annuitant's 81st birthday, less an adjustment for amounts
subsequently withdrawn, plus purchase payments received after that Contract Anniversary. |
$240,646 |
(4) |
the interest anniversary value |
$252,134 |
Date |
Event/Transaction Type |
Transaction Amount |
Contract Value* |
01-01-1986 |
Initial Purchase Payment |
$100,000 |
$100,000 |
02-14-1988 |
Subsequent Purchase
Payment |
$25,000 |
$133,666 |
07-28-1996 |
Partial Withdrawal |
$10,000 |
$176,202 |
09-30-2004 |
Annuitant’s 81st birthday |
n/a |
$242,807 |
03-01-2005 |
Subsequent Purchase
Payment |
$11,000 |
$257,803 |
05-15-2007 |
Partial Withdrawal |
$7,000 |
$274,079 |
04-18-2009 |
Annuitant’s death and the
date Nationwide received
information to pay the death
benefit |
n/a |
$295,602 |
(1) |
the Contract Value as of the date that Nationwide receives all the
information necessary to pay the death benefit; |
$295,602 |
(2) |
the total of all purchase payments, less an adjustment for amounts
withdrawn; or |
$126,067 |
(3) |
the highest Contract Value on any Contract Anniversary prior to the Annuitant's 81st birthday, less an adjustment for amounts subsequently
withdrawn, plus purchase payments received after that Contract
Anniversary. |
$240,646 |
(4) |
the interest anniversary value |
$252,134 |
|
Page |
2 | |
2 | |
2 | |
3 | |
3 | |
3 |
|
|
President and Chief Operating Officer and Director |
Carter, John L. |
Executive Vice President-Chief Human Resources Officer |
Clements, Vinita J. |
Executive Vice President-Chief Technology Officer |
Fowler, James R. |
Executive Vice President and Director |
Frommeyer, Timothy G. |
Executive Vice President-Chief Legal Officer |
Howard, Mark S. |
Executive Vice President-Chief Marketing Officer |
Jones, Ramon |
Executive Vice President-Chief Customer, Strategy and Innovation Officer |
Mahaffey, Michael W. |
Executive Vice President-Chief Transformation Officer |
Shore, Amy T. |
Senior Vice President-NF Strategic Customer Solutions |
Ambrozy, Tina S. |
Senior Vice President-Strategic Planning |
Amodeo, Daniel W. |
Senior Vice President-Marketing Management - Financial Services |
Bair, Ann S. |
Senior Vice President-Corporate Controller and Chief Accounting Officer |
Benson, James D. |
Senior Vice President-Head of Taxation |
Biesecker, Pamela A. |
Senior Vice President-Marketing Content & Delivery |
Boyd, Michael A. |
Senior Vice President-Legal – NF |
Boyer, John N. |
Senior Vice President-Human Resources – IT & Legal |
Bretz, Angela D. |
Senior Vice President-Chief Technology Officer - Nationwide Financial |
Carrel, Michael W. |
Senior Vice President-Chief Investment Officer |
Coleman, Joel L. |
Senior Vice President-Chief Compliance Officer |
Dankovic, Rae Ann |
Senior Vice President-Chief Risk Officer |
Diem, Klaus K. |
Senior Vice President-External Affairs |
English, Steven M. |
Senior Vice President-Trial Division |
Failor, Scott E. |
Senior Vice President-Chief Financial Officer - Nationwide Financial and Director |
Ginnan, Steven A. |
Senior Vice President-Annuity Distribution |
Guymon, Rona |
Senior Vice President-Retirement Solutions Sales |
Hawley, Craig A. |
Senior Vice President-Nationwide Annuity and Director |
Henderson, Eric S. |
Senior Vice President-Corporate Operations & Litigation Legal |
Innis-Thompson, Janice |
Senior Vice President-Investment Management Group |
Jestice, Kevin T. |
Senior Vice President-Internal Audit |
Jordan, Gregory S. |
Senior Vice President-Chief Innovation and Digital Officer |
Kandhari, Chetan D. |
Senior Vice President-Chief Technology Officer – Technology Strategy, Data & Innovation |
Kolp, Melanie A. |
Senior Vice President and Treasurer |
LaPaul, David |
Senior Vice President-Chief Information Security Officer |
Lukens, Todd |
Senior Vice President-Marketing Management - P&C |
MacKenzie, Jennifer B. |
Senior Vice President-Technology CFO & Procurement |
O'Brien, Kevin G. |
Senior Vice President-Corporate Solutions |
Perez, Juan J. |
Senior Vice President-Talent & Organization Effectiveness |
Pheister, Erin R. |
Senior Vice President-Nationwide Retirement Institute |
Rodriguez, Kristi L. |
Senior Vice President-Corporate Real Estate |
Sherry, Kieran P. |
Senior Vice President-Finance & Strategy Legal and Corporate Secretary |
Skingle, Denise L. |
Senior Vice President-Nationwide Life and Director |
Snyder, Holly R. |
Senior Vice President-Total Rewards |
Sonneman, Christopher Paul |
Senior Vice President-Retirement Solutions |
Stevenson, Eric |
Senior Vice President-Chief Advanced Analytics Officer |
Terry, Shannon |
Senior Vice President-Chief Technology Officer – Property & Casualty |
Vasudeva, Guruprasad C. |
Senior Vice President-Human Resources - NF |
Webster, Cynthia S. |
Director |
Walker, Kirt A. |
Company |
Jurisdiction
of Domicile |
Brief Description of Business |
Nationwide Financial Services, Inc. |
Delaware |
The company acts primarily as a holding company for companies within the Nationwide organization that offer or distribute life insurance, long-term savings and retirement products. |
NFS Distributors, Inc. |
Delaware |
The company acts primarily as a holding company for Nationwide Financial Services, Inc. companies. |
Nationwide Financial General Agency, Inc. |
Pennsylvania |
The company is a multi-state licensed insurance agency. |
Nationwide Fund Distributors, LLC |
Delaware |
The company is a limited purpose broker-dealer. |
Nationwide Fund Management, LLC |
Delaware |
The company provides administration, transfer and dividend disbursing agent services to various mutual fund entities. |
Company |
Jurisdiction
of Domicile |
Brief Description of Business |
Nationwide Retirement Solutions, Inc. |
Delaware |
The company markets and administers deferred compensation plans for public employees. |
Nationwide Securities, LLC |
Delaware |
The company is a general purpose broker-dealer and investment adviser registered with the Securities and Exchange Commission. |
Nationwide Trust Company, FSB |
Federal |
This is a federal savings bank chartered by the Office of Thrift Supervision in the United States Department of Treasury to exercise deposit, lending, agency, custody and fiduciary powers and to engage in activities permissible for federal savings banks under the Home Owners’ Loan Act of 1933. |
Nationwide Financial Services Capital Trust |
Delaware |
The trust’s sole purpose is to issue and sell certain securities representing individual beneficial interests in the assets of the trust |
525 Cleveland Avenue, LLC |
Ohio |
This is a limited liability company organized under the laws of the State of Ohio. The company was formed to provide remedial real property cleanup prior to sale. |
Nationwide Life Insurance Company 2
|
Ohio |
The corporation provides individual life insurance, group and health insurance, fixed and variable annuity products and other life insurance products. |
Jefferson National Life Insurance Company2,3
|
Texas |
The company provides life, health and annuity products. |
Jefferson National Life Annuity Company C2,3
|
|
A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account E2,3
|
|
A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account F2,3
|
|
A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account G2,3
|
|
A separate account issuing variable annuity products. |
Jefferson National Life Insurance Company of New York2,3
|
New York |
The company provides variable annuity products. |
Jefferson National Life of New York Annuity Account 12,3
|
|
A separate account issuing variable annuity products. |
MFS Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Multi-Flex Variable Account2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-II2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-32,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-42,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-52,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-62,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-72,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-82,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-92,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-102,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-112,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-122,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-132,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-142,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-152,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Provident VA Separate Account 12,3
|
Pennsylvania |
A separate account issuing variable annuity contracts. |
Nationwide VLI Separate Account2,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-22,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-32,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-42,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-52,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Company |
Jurisdiction
of Domicile |
Brief Description of Business |
Nationwide VLI Separate Account-62,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-72,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide Provident VLI Separate Account 12,3
|
Pennsylvania |
A separate account issuing variable life insurance policies. |
Nationwide Investment Services Corporation3
|
Oklahoma |
This is a limited purpose broker-dealer and distributor of variable annuities and variable life products for Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company. The company also provides educational services to retirement plan sponsors and its participants. |
Nationwide Financial Assignment Company3
|
Ohio |
The company is an administrator of structured settlements. |
Nationwide Investment Advisors, LLC3
|
Ohio |
The company provides investment advisory services. |
Eagle Captive Reinsurance, LLC3
|
Ohio |
The company is engaged in the business of insurance |
Nationwide Life and Annuity Insurance Company2,3
|
Ohio |
The company engages in underwriting life insurance and granting, purchasing and disposing of annuities. |
Nationwide VA Separate Account-A2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-B2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-C2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-D2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Provident VA Separate Account A2,3 |
Delaware |
A separate account issuing variable annuity contracts. |
Nationwide VL Separate Account-C2,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VL Separate Account-D2,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VL Separate Account-G2,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide Provident VLI Separate Account A2,3 |
Delaware |
A separate account issuing variable life insurance policies. |
Olentangy Reinsurance, LLC3
|
Vermont |
The company is a captive life reinsurance company. |
Nationwide SBL, LLC |
Ohio |
The company is a lender offering securities-back lines of credit. |
Registered Investment Advisors Services, Inc. |
Texas |
The company is a technology company that facilitates third-party money management services for registered investment advisors |
Nationwide Fund Advisors4 |
Delaware |
The trust acts as a registered investment advisor. |
Jefferson National Life Annuity Account C |
Nationwide Variable Account-14 |
Jefferson National Life Annuity Account E |
Nationwide Variable Account-15 |
Jefferson National Life Annuity Account F |
Nationwide VA Separate Account-A |
Jefferson National Life Annuity Account G |
Nationwide VA Separate Account-B |
Jefferson National Life of New York Annuity Account 1 |
Nationwide VA Separate Account-C |
MFS Variable Account |
Nationwide VA Separate Account-D |
Multi-Flex Variable Account |
Nationwide VLI Separate Account |
Nationwide Variable Account |
Nationwide VLI Separate Account-2 |
Nationwide Variable Account-II |
Nationwide VLI Separate Account-3 |
Nationwide Variable Account-3 |
Nationwide VLI Separate Account-4 |
Nationwide Variable Account-4 |
Nationwide VLI Separate Account-5 |
Nationwide Variable Account-5 |
Nationwide VLI Separate Account-6 |
Nationwide Variable Account-6 |
Nationwide VLI Separate Account-7 |
Nationwide Variable Account-7 |
Nationwide VL Separate Account-C |
Nationwide Variable Account-8 |
Nationwide VL Separate Account-D |
Nationwide Variable Account-9 |
Nationwide VL Separate Account-G |
Nationwide Variable Account-10 |
Nationwide Provident VA Separate Account 1 |
Nationwide Variable Account-11 |
Nationwide Provident VA Separate Account A |
Nationwide Variable Account-12 |
Nationwide Provident VLI Separate Account 1 |
Nationwide Variable Account-13 |
Nationwide Provident VLI Separate Account A |
President and Director |
Ambrozy, Tina S. |
Senior Vice President-Head of Taxation |
Biesecker, Pamela A. |
Senior Vice President and Secretary |
Skingle, Denise L. |
Vice President-Tax |
Eppley, Daniel P. |
Vice President and Assistant Secretary |
Garman, David A. |
Vice President-Chief Compliance Officer |
Rabenstine, James J. |
Vice President-CFO – Life Insurance |
Wild, Keith D. |
Associate Vice President and Treasurer |
Roswell, Ewan T. |
Associate Vice President and Assistant Treasurer |
Hacker, Hope C. |
Associate Vice President and Assistant Treasurer |
Reese, John A. |
Associate Vice President and Assistant Treasurer |
Walker, Tonya G. |
Assistant Secretary |
Bowman, Heidi |
Assistant Secretary |
Dokko, David |
Assistant Secretary |
Hartman, Mark E. |
Director |
Henderson, Eric S. |
Director |
Stevenson, Eric |
Name of Principal Underwriter |
Net Underwriting Discounts |
Compensation on Redemption |
Brokerage Commissions |
Other Compensation
|
Nationwide Investment Services Corporation |
N/A |
N/A |
N/A |
N/A |
Nationwide Variable Account-II |
(Registrant) |
Nationwide Life Insurance Company |
(Depositor) |
By: /s/ Jamie Ruff Casto |
Jamie Ruff Casto
Attorney-in-Fact |
JOHN L. CARTER |
|
John L. Carter, President and Chief Operating Officer and Director (Principal Executive Officer) |
|
HOLLY R. SNYDER |
|
Holly R. Snyder, Senior Vice President and Director |
|
TIMOTHY G. FROMMEYER |
|
Timothy G. Frommeyer, Executive Vice President and Director |
|
ERIC S. HENDERSON |
|
Eric S. Henderson, Senior Vice President-Nationwide Annuity and Director |
|
STEVEN A. GINNAN |
|
Steven A. Ginnan, Senior Vice President-Chief Financial Officer-Nationwide Financial and Director (Chief Financial Officer) |
|
KIRT A. WALKER |
|
Director |
|
JAMES D. BENSON |
|
James D. Benson, Senior Vice President-Corporate Controller and Chief Accounting Officer (Principal Accounting Officer) |
|
|
By: /s/ Jamie Ruff Casto |
|
Jamie Ruff Casto
Attorney-in-Fact |