The underlying funds listed below are only available as investment options in variable insurance products issued by life insurance companies. They are not offered or made available directly to the public. These portfolios may contain different investments than the similarly named mutual funds offered by the money manager; therefore, investment results may differ. Fund holdings and investment strategies are subject to change. Investments in some funds may involve certain risks and may not be appropriate for all investors.

As situations change so will the corporation’s business and life insurance needs. Care should be taken to ensure these strategies and products are suitable for the corporation’s and the client’s long-term goals. Weigh the corporation’s objectives, time horizon and risk tolerance as well as any associated costs before investing. Also, be aware that market volatility can lead to the possibility of the need for additional premium in the policy. Variable life insurance has fees and charges associated with it, which include costs of insurance, underlying fund expenses and administration fees. Investing involves risk, including possible loss of principle.

Before investing in an underlying fund, you should carefully consider its investment objectives, risks, charges and expenses. This and other important information is contained in the fund's prospectus, which can be obtained from your investment professional or by contacting Nationwide. Please read the prospectus carefully before investing.

Fund profiles must be read together with these IMPORTANT DISCLOSURES. For a more complete picture of any fund, you should also consult a current performance report and prospectus. Profiles may not be available for every fund.

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Investment option fund profiles Fund partner
Aggressive allocation
NVIT Investor Destinations Moderately Aggressive Fund - Class II Nationwide Variable Insurance Trust Funds
NVIT Blueprint® Moderately Aggressive Fund - Class I Nationwide Variable Insurance Trust Funds
NVIT Blueprint® Aggressive Fund - Class I Nationwide Variable Insurance Trust Funds
Conservative allocation
NVIT Blueprint® Balanced Fund - Class I Nationwide Variable Insurance Trust Funds
NVIT Blueprint® Conservative Fund - Class I Nationwide Variable Insurance Trust Funds
NVIT Investor Destinations Moderately Conservative Fund - Class II Nationwide Variable Insurance Trust Funds
NVIT Blueprint® Moderately Conservative Fund - Class I Nationwide Variable Insurance Trust Funds
NVIT Investor Destinations Conservative Fund - Class II Nationwide Variable Insurance Trust Funds
Moderate allocation
NVIT Blueprint® Capital Appreciation Fund - Class I Nationwide Variable Insurance Trust Funds
T. Rowe Price Moderate Allocation Portfolio T. Rowe Price Equity Series, Inc.
NVIT Blueprint® Moderate Fund - Class I Nationwide Variable Insurance Trust Funds
NVIT Investor Destinations Moderate Fund - Class II Nationwide Variable Insurance Trust Funds
Vanguard VIF Balanced Portfolio Vanguard Variable Insurance Fund
Janus Henderson VIT Balanced Portfolio - Service Shares Janus Aspen Series
American Funds Insurance Series® Asset Allocation Fund - Class 2 American Funds Insurance Series
Tactical allocation
PIMCO VIT All Asset Portfolio - Administrative Class PIMCO Variable Insurance Trust
Target date
Fidelity® VIP Freedom Fund 2030 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund IV
Fidelity® VIP Freedom Fund 2050 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Freedom Income Fund PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Freedom Fund 2060 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Freedom Fund 2045 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Freedom Fund 2025 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Freedom Fund 2040 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Freedom Fund 2020 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund IV
Fidelity® VIP Freedom Fund 2055 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Freedom Fund 2015 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Freedom Fund 2035 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Freedom Fund 2065 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Freedom Fund 2070 PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
World allocation
BlackRock Global Allocation VI Fund - Class II BlackRock Variable Series Funds, Inc.
Dimensional VA Global Moderate Allocation Portfolio - Institutional Class DFA Investment Dimensions Group Inc.
Investment option fund profiles Fund partner
Emerging markets bond
Morgan Stanley VIF Emerging Markets Debt Portfolio - Class I Morgan Stanley
Floating rate bond
Fidelity® VIP Floating Rate High Income Portfolio - Initial Class Fidelity Variable Insurance Products Fund
Eaton Vance VT Floating-Rate Income Fund - Initial Class Eaton Vance Variable Trust
NYLI VP Floating Rate Portfolio - Initial Class New York Life Investments VP Funds Trust
High yield bond
BlackRock High Yield V.I. Fund - Class I BlackRock Variable Series Funds, Inc.
Invesco V.I. High Yield Fund - Series I Shares Invesco Variable Insurance Funds
PIMCO VIT High Yield Portfolio - Administrative Class PIMCO Variable Insurance Trust
Vanguard VIF High Yield Bond Portfolio Vanguard Variable Insurance Fund
Inflation-protected bond
LVIP American Century Inflation Protection Fund - Standard Class II Lincoln Variable Insurance Products Trust
PIMCO VIT Real Return Portfolio - Administrative Class PIMCO Variable Insurance Trust
Dimensional VIT Inflation-Protected Securities Portfolio: Institutional Class DFA Investment Dimensions Group Inc.
Intermediate government bond
NVIT Government Bond Fund - Class I Nationwide Variable Insurance Trust Funds
American Funds Insurance Series® U.S. Government Securities Fund - Class 2 American Funds Insurance Series
Federated Hermes Fund for U.S. Government Securities II Federated Hermes Insurance Series
Intermediate-term bond
Vanguard VIF Total Bond Market Index Portfolio Vanguard Variable Insurance Fund
Lord Abbett Series Total Return Portfolio - Class VC Lord Abbett Series Fund
Vanguard VIF Global Bond Index Portfolio Vanguard Variable Insurance Fund
MFS® VIT Total Return Bond Series - Service Class MFS® Variable Insurance Trust
Fidelity® VIP Bond Index Portfolio - Service Class Fidelity Variable Insurance Products Fund
Fidelity® VIP Investment Grade Bond Portfolio - Service Class Fidelity Variable Insurance Products Fund II
PIMCO VIT Total Return Portfolio - Administrative Class PIMCO Variable Insurance Trust
NVIT Bond Index Fund - Class I Nationwide Variable Insurance Trust Funds
Long government bond
PIMCO VIT Long-Term U.S. Government Portfolio - Administrative Class PIMCO Variable Insurance Trust
Multisector bond
PIMCO VIT Income Portfolio - Institutional Class PIMCO Variable Insurance Trust
NVIT Strategic Income Fund - Class I Nationwide Variable Insurance Trust Funds
Lord Abbett Series Bond Debenture Portfolio - Class VC Lord Abbett Series Fund
World bond
PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) - Administrative Class PIMCO Variable Insurance Trust
Dimensional VA Global Bond Portfolio DFA Investment Dimensions Group Inc.
Templeton VIPT Global Bond VIP Fund - Class 1 Franklin Templeton Variable Insurance Products Trust
PIMCO VIT Global Bond Opportunities Portfolio (Unhedged) - Administrative Class PIMCO Variable Insurance Trust
American Funds Insurance Series® Capital World Bond Fund - Class 2 American Funds Insurance Series
Investment option fund profiles Fund partner
Cash
NVIT Government Money Market Fund - Class V Nationwide Variable Insurance Trust Funds
BNY Mellon VIF Government Money Market Portfolio BNY Mellon Variable Investment Fund
Investment option fund profiles Fund partner
Emerging markets
Fidelity® VIP Emerging Markets Portfolio - Service Class Fidelity Variable Insurance Products Fund
Lazard Retirement Emerging Markets Equity Portfolio - Service Shares Lazard
MFS® VIT II Emerging Markets Equity Portfolio - Initial Class MFS® Variable Insurance Trust
American Funds Insurance Series® New World Fund - Class 2 American Funds Insurance Series
Foreign large blend
Vanguard VIF Total International Stock Market Index Portfolio Vanguard Variable Insurance Fund
NVIT International Equity Fund - Class I*  Nationwide Variable Insurance Trust Funds
NVIT International Index Fund - Class I Nationwide Variable Insurance Trust Funds
MFS® VIT II Research International Portfolio - Service Class MFS® Variable Insurance Trust
Fidelity® VIP International Index Portfolio - Service Class Fidelity Variable Insurance Products Fund
Foreign large growth
American Funds Insurance Series® International Fund - Class 2 American Funds Insurance Series
Invesco V.I. EQV International Equity Fund - Series I Shares Invesco Variable Insurance Funds
Invesco Oppenheimer V.I. International Growth Fund - Series I Invesco Variable Insurance Funds
Vanguard VIF International Portfolio Vanguard Variable Insurance Fund
MFS® VIT II International Intrinsic Value Portfolio - Service Class MFS® Variable Insurance Trust
Foreign large value
Dimensional VA International Value Portfolio DFA Investment Dimensions Group Inc.
Templeton VIPT Foreign VIP Fund - Class 2 Franklin Templeton Variable Insurance Products Trust
AB VPS International Value Portfolio - Class A AllianceBernstein Variable Products Series Fund, Inc.
NVIT Putnam International Value Fund - Class X Nationwide Variable Insurance Trust Funds
Foreign small/mid blend
Dimensional VA International Small Portfolio DFA Investment Dimensions Group Inc.
World stock
Invesco V.I. Global Fund - Series I Invesco Variable Insurance Funds
American Funds Insurance Series® Global Small Cap Fund - Class 2 American Funds Insurance Series
Franklin VIPT Mutual Global Discovery VIP Fund - Class 2 Franklin Templeton Variable Insurance Products Trust
Investment option fund profiles Fund partner
Large-cap blend
American Funds Insurance Series® Growth-Income Fund - Class 2 American Funds Insurance Series
Vanguard VIF Total Stock Market Index Portfolio Vanguard Variable Insurance Fund
Schwab® S&P 500 Index Portfolio Schwab Annuity Portfolios
Invesco V.I. Main Street Fund - Series I Invesco Variable Insurance Funds
Fidelity® VIP Index 500 Portfolio - Initial Class Fidelity Variable Insurance Products Fund II
Fidelity® VIP Total Market Index Portfolio - Service Class Fidelity Variable Insurance Products Fund
NVIT J.P. Morgan U.S. Equity Fund - Class Y Nationwide Variable Insurance Trust Funds
NVIT Investor Destinations Aggressive Fund - Class II Nationwide Variable Insurance Trust Funds
Dimensional VA Equity Allocation Portfolio - Institutional Class DFA Investment Dimensions Group Inc.
MFS® VIT II Blended Research® Core Equity Portfolio - Service Class MFS® Variable Insurance Trust
Vanguard VIF Equity Index Portfolio Vanguard Variable Insurance Fund
BNY Mellon Stock Index Fund, Inc. - Initial Shares BNY Mellon Investments
Vanguard VIF Capital Growth Portfolio Vanguard Variable Insurance Fund
Large-cap growth
NVIT Nasdaq-100 Index Fund: Class I Nationwide Variable Insurance Trust Funds
NVIT Jacobs Levy Large Cap Growth Fund - Class I Nationwide Variable Insurance Trust Funds
Fidelity® VIP Growth Portfolio - Service Class Fidelity Variable Insurance Products Fund
BNY Mellon VIF Appreciation Portfolio - Initial Shares BNY Mellon Variable Investment Fund
American Funds Insurance Series® Growth Fund - Class 2 American Funds Insurance Series
Vanguard VIF Growth Portfolio Vanguard Variable Insurance Fund
MFS® VIT Growth Series - Service Class MFS® Variable Insurance Trust
T. Rowe Price Blue Chip Growth Portfolio T. Rowe Price Equity Series, Inc.
T. Rowe Price All-Cap Opportunities Portfolio T. Rowe Price Equity Series, Inc.
Macquarie VIP Growth Series - Service Class Ivy Funds Variable Insurance Portfolios, Inc.
NVIT Calvert Equity Fund - Class I Nationwide Variable Insurance Trust Funds
Fidelity® VIP ContrafundSM Portfolio - Service Class Fidelity Variable Insurance Products Fund II
Large-cap value
American Funds Insurance Series® Washington Mutual Investors Fund - Class 2 American Funds Insurance Series
T. Rowe Price Equity Income Portfolio - Class II T. Rowe Price Equity Series, Inc.
Vanguard VIF Diversified Value Portfolio Vanguard Variable Insurance Fund
Vanguard VIF Equity Income Portfolio Vanguard Variable Insurance Fund
MFS® VIT Value Series - Service Class MFS® Variable Insurance Trust
Dimensional VA U.S. Large Value Portfolio DFA Investment Dimensions Group Inc.
Fidelity® VIP Equity-Income PortfolioSM - Service Class Fidelity Variable Insurance Products Fund
NVIT BNY Mellon Dynamic U.S. Equity Income - Class X Nationwide Variable Insurance Trust Funds
LVIP American Century Value Fund - Standard Class II Lincoln Variable Insurance Products Trust
Invesco V.I. Growth and Income Fund - Series I Shares Invesco Variable Insurance Funds
AB VPS Relative Value Portfolio - Class A AllianceBernstein Variable Products Series Fund, Inc.
Investment option fund profiles Fund partner
Mid-cap blend
BNY Mellon IP MidCap Stock Portfolio - Initial Shares BNY Mellon Investment Portfolios
NVIT Mid Cap Index Fund - Class I Nationwide Variable Insurance Trust Funds
Vanguard VIF Mid Cap Index Portfolio Vanguard Variable Insurance Fund
Calvert VP SRI Mid Cap Portfolio Calvert Variable Series, Inc.
Mid-cap growth
T. Rowe Price Mid-Cap Growth Portfolio T. Rowe Price Equity Series, Inc.
NVIT Allspring Discovery Fund - Class I Nationwide Variable Insurance Trust Funds
Janus Henderson VIT Enterprise Portfolio - Service Shares Janus Aspen Series
Invesco V.I. Discovery Mid Cap Growth Fund - Series I Invesco Variable Insurance Funds
MFS® VIT Mid Cap Growth Series - Service Class MFS® Variable Insurance Trust
Allspring VT Discovery SMID Cap Growth Fund - Class 2 Allspring Variable Trust
Mid-cap value
MFS® VIT III Mid Cap Value Portfolio - Service Class MFS® Variable Insurance Trust
LVIP JPMorgan Mid Cap Value Fund - Standard Class Lincoln Variable Insurance Products Trust
Fidelity® VIP Value Strategies Portfolio - Service Class Fidelity Variable Insurance Products Fund III
NVIT Victory Mid Cap Value Fund - Class I Nationwide Variable Insurance Trust Funds
Investment option fund profiles Fund partner
Short-term bond
Vanguard VIF Short-Term Investment-Grade Portfolio Vanguard Variable Insurance Fund
MFS® VIT III Limited Maturity Portfolio - Initial Class MFS® Variable Insurance Trust
NVIT Loomis Short Term Bond Fund - Class I Nationwide Variable Insurance Trust Funds
Lord Abbett Series Short Duration Income Portfolio - Class VC Lord Abbett Series Fund
PIMCO VIT Low Duration Portfolio - Administrative Class PIMCO Variable Insurance Trust
Ultrashort bond
Dimensional VA Short-Term Fixed Portfolio DFA Investment Dimensions Group Inc.
PIMCO VIT Short-Term Portfolio - Administrative Class PIMCO Variable Insurance Trust
Investment option fund profiles Fund partner
Small-cap blend
NVIT Multi-Manager Small Company Fund - Class I Nationwide Variable Insurance Trust Funds
LVIP JPMorgan Small Cap Core Fund - Standard Class Lincoln Variable Insurance Products Trust
BNY Mellon IP Small Cap Stock Index Portfolio - Service Shares BNY Mellon Investment Portfolios
Fidelity® VIP Extended Market Index Portfolio - Service Class Fidelity Variable Insurance Products Fund
Invesco V.I. Main Street Small Cap Fund - Series I Invesco Variable Insurance Funds
Goldman Sachs VIT Small Cap Equity Insights Fund - Institutional Shares Goldman Sachs Variable Insurance Trust
NVIT Small Cap Index Fund - Class Y Nationwide Variable Insurance Trust Funds
Small-cap growth
Vanguard VIF Small Company Growth Portfolio Vanguard Variable Insurance Fund
Allspring VT Small Cap Growth Fund - Class 2 Allspring Variable Trust
MFS® VIT New Discovery Series - Service Class MFS® Variable Insurance Trust
NVIT Invesco Small Cap Growth Fund - Class I Nationwide Variable Insurance Trust Funds
Legg Mason Partners ClearBridge Variable Small Cap Growth Portfolio - Class I Legg Mason Partners Variable Equity Trust
Small-cap value
NVIT Multi-Manager Small Cap Value Fund - Class I Nationwide Variable Insurance Trust Funds
Franklin VIPT Small Cap Value VIP Fund - Class 2 Franklin Templeton Variable Insurance Products Trust
AB VPS Discovery Value Portfolio - Class A AllianceBernstein Variable Products Series Fund, Inc.
Macquarie VIP Small Cap Value Series - Service Class Delaware VIP Trust
Dimensional VA U.S. Targeted Value Portfolio DFA Investment Dimensions Group Inc.
Investment option fund profiles Fund partner
Equity sector
Janus Henderson VIT Global Technology and Innovation Portfolio - Service Shares Janus Aspen Series
Macquarie VIP Science and Technology Series - Service Class Ivy Funds Variable Insurance Portfolios, Inc.
Natural resources
VanEck VIP Global Resources Fund - Initial Class VanEck Variable Insurance Products Trust
Real estate
Virtus VIT Duff & Phelps Real Estate Securities Series - Class I Virtus Variable Insurance Trust
Vanguard VIF Real Estate Index Portfolio Vanguard Variable Insurance Fund
MFS® VIT III Global Real Estate Portfolio - Initial Class MFS® Variable Insurance Trust
NVIT Real Estate Fund - Class I Nationwide Variable Insurance Trust Funds
Fidelity® VIP Real Estate Portfolio - Service Class Fidelity Variable Insurance Products Fund

* On 10/24/25, the NVIT NS Partners International Focused Growth Fund merged into the NVIT International Equity Fund