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.

Large-cap stocks

Large-cap blend

Investment option fund profile (PDF) Fund partner
American Funds Insurance Series(R) Growth-Income Fund — Class 2 American Funds Insurance Series
BNY Mellon Stock Index Fund, Inc. — Initial Shares BNY Mellon Investments
BNY Mellon VIF Appreciation Portfolio — Initial Shares BNY Mellon Variable Investment Fund
DFA Investment Dimensions Group — VA Equity Allocation Portfolio — Institutional Class DFA Investment Dimensions Group Inc.
Fidelity(R) VIP Index 500 Portfolio — Initial Class Fidelity Variable Insurance Products Fund II
Fidelity(R) VIP Total Market Index Portfolio — Service Class Fidelity Variable Insurance Products Fund
Invesco Oppenheimer V.I. Main Street Fund — Series I Invesco Variable Insurance Funds
MFS(R) VIT II Blended Research(R) Core Equity Portfolio — Service Class MFS(R) Variable Insurance Trust
Schwab(R) S&P 500 Index Portfolio Schwab Annuity Portfolios
Vanguard VIF — Total Stock Market Index Portfolio Vanguard Variable Insurance Fund
Vanguard VIF Equity Index Portfolio Vanguard Variable Insurance Fund

Large-cap growth

Investment option fund profile (PDF) Fund partner
American Funds Insurance Series(R) Growth Fund — Class 2 American Funds Insurance Series
Fidelity(R) VIP Contrafund(SM) Portfolio — Service Class Fidelity Variable Insurance Products Fund II
Fidelity(R) VIP Growth Portfolio — Service Class Fidelity Variable Insurance Products Fund
Ivy VIP Growth — Class II Ivy Funds Variable Insurance Portfolios, Inc.
Morgan Stanley VIF Growth Portfolio — Class I MORGAN STANLEY
NVIT Jacobs Levy Large Cap Growth Fund — Class I Nationwide Variable Insurance Trust Funds
NVIT Newton Sustainable U.S. Equity Fund — Class I Nationwide Variable Insurance Trust Funds
T. Rowe Price Blue Chip Growth Portfolio T. Rowe Price Equity Series, Inc.
T. Rowe Price New America Growth Portfolio T. Rowe Price Equity Series, Inc.
Vanguard VIF Capital Growth Portfolio Vanguard Variable Insurance Fund
Vanguard VIF Growth Portfolio Vanguard Variable Insurance Fund

Large-cap value

Investment option fund profile (PDF) Fund partner
AB VPS Growth & Income Portfolio — Class A AllianceBernstein Variable Products Series Fund, Inc.
American Century VP Value Fund — Class I American Century Variable Portfolios, Inc.
DFA Investment Dimensions Group — VA U.S. Large Value Portfolio DFA Investment Dimensions Group Inc.
Fidelity(R) VIP Equity-Income Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund
Invesco VI Growth and Income Fund — Series I Shares Invesco Variable Insurance Funds
MFS(R) VIT Value Series — Service Class MFS(R) Variable Insurance Trust
NVIT Multi-Manager Large Cap Value Fund — Class I Nationwide Variable Insurance Trust Funds
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

Mid-cap stocks

Mid-cap blend

Investment option fund profile (PDF) Fund partner
BNY Mellon IP MidCap Stock Portfolio — Initial Shares BNY Mellon Investment Portfolios
Fidelity(R) VIP Extended Market Index Portfolio — Service Class Fidelity Variable Insurance Products Fund
JPMorgan Insurance Trust Mid Cap Value Portfolio — Class 1 JPMorgan Insurance Trust
NVIT Mid Cap Index Fund — Class I Nationwide Variable Insurance Trust Funds
Vanguard VIF Mid Cap Index Portfolio Vanguard Variable Insurance Fund

Mid-cap growth

Investment option fund profile (PDF) Fund partner
Janus Henderson VIT Enterprise Portfolio — Service Shares Janus Aspen Series
MFS(R) VIT Mid Cap Growth Series — Service Class MFS(R) Variable Insurance Trust
NVIT Wells Fargo Discovery Fund — Class I Nationwide Variable Insurance Trust Funds
Wells Fargo VT Discovery Fund — Class 2 Wells Fargo Variable Trust

Mid-cap value

Investment option fund profile (PDF) Fund partner
AB VPS Small/Mid Cap Value Portfolio — Class A AllianceBernstein Variable Products Series Fund, Inc.
MFS(R) VIT III Mid Cap Value Portfolio — Service Class MFS(R) Variable Insurance Trust
NVIT Multi-Manager Mid Cap Value Fund — Class I Nationwide Variable Insurance Trust Funds

Small-cap stocks

Small-cap blend

Investment option fund profile (PDF) Fund partner
BNY Mellon IP Small Cap Stock Index Portfolio — Service Shares BNY Mellon Investment Portfolios
Goldman Sachs VIT Small Cap Equity Insights Fund — Institutional Shares Goldman Sachs Variable Insurance Trust
Invesco Oppenheimer V.I. Main Street Small Cap Fund — Series I Invesco Variable Insurance Funds
JPMorgan Insurance Trust Small Cap Core Portfolio — Class 1 JPMorgan Insurance Trust
NVIT Multi-Manager Small Company Fund — Class I Nationwide Variable Insurance Trust Funds
NVIT Small Cap Index Fund — Class Y Nationwide Variable Insurance Trust Funds

Small-cap growth

Investment option fund profile (PDF) Fund partner
Legg Mason Partners ClearBridge Variable Small Cap Growth Portfolio — Class I Legg Mason Partners Variable Equity Trust
MFS(R) VIT New Discovery Series — Service Class MFS(R) Variable Insurance Trust
NVIT Multi-Manager Small Cap Growth Fund — Class I Nationwide Variable Insurance Trust Funds
Wells Fargo VT Small Cap Growth Fund — Class 2 Wells Fargo Variable Trust

Small-cap value

Investment option fund profile (PDF) Fund partner
Delaware VIPT Small Cap Value — Service Class Delaware VIP Trust
DFA Investment Dimensions Group — VA U.S. Targeted Value Portfolio DFA Investment Dimensions Group Inc.
Franklin VIPT Small Cap Value VIP Fund — Class 2 Franklin Templeton Variable Insurance Products Trust
NVIT Multi-Manager Small Cap Value Fund — Class I Nationwide Variable Insurance Trust Funds

International stocks

Diversified emerging markets

Investment option fund profile (PDF) Fund partner
MFS(R) VIT II Emerging Markets Equity Portfolio — Initial Class MFS(R) Variable Insurance Trust

Emerging markets

Investment option fund profile (PDF) Fund partner
American Funds Insurance Series(R) New World Fund — Class 2 American Funds Insurance Series
Fidelity(R) VIP Emerging Markets Portfolio — Service Class Fidelity Variable Insurance Products Fund
Lazard Retirement Emerging Markets Equity Portfolio — Service Shares Lazard

Foreign large blend

Investment option fund profile (PDF) Fund partner
Fidelity(R) VIP International Index Portfolio — Service Class Fidelity Variable Insurance Products Fund
MFS(R) VIT II International Intrinsic Value Portfolio — Service Class MFS(R) Variable Insurance Trust
MFS(R) VIT II Research International Portfolio — Service Class MFS(R) Variable Insurance Trust
NVIT International Equity Fund — Class I Nationwide Variable Insurance Trust Funds
NVIT International Index Fund — Class I Nationwide Variable Insurance Trust Funds
Vanguard VIF Total International Stock Market Index Portfolio Vanguard Variable Insurance Fund

Foreign large growth

Investment option fund profile (PDF) Fund partner
American Funds Insurance Series(R) International Fund — Class 2 American Funds Insurance Series
Invesco Oppenheimer V.I. International Growth Fund — Series I Invesco Variable Insurance Funds
Invesco VI International Growth Fund — Series I Shares Invesco Variable Insurance Funds
Vanguard VIF International Portfolio Vanguard Variable Insurance Fund

Foreign large value

Investment option fund profile (PDF) Fund partner
AB VPS International Value Portfolio — Class A AllianceBernstein Variable Products Series Fund, Inc.
DFA Investment Dimensions Group — VA International Value Portfolio DFA Investment Dimensions Group Inc.
Templeton VIPT Foreign VIP Fund — Class 2 Franklin Templeton Variable Insurance Products Trust

Foreign small/mid blend

Investment option fund profile (PDF) Fund partner
DFA Investment Dimensions Group — VA International Small Portfolio DFA Investment Dimensions Group Inc.

World stock

Investment option fund profile (PDF) Fund partner
American Funds Insurance Series(R) 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
Invesco Oppenheimer V.I. Global Fund — Series I Invesco Variable Insurance Funds

Bonds

Emerging markets bond

Investment option fund profile (PDF) Fund partner
Morgan Stanley VIF Emerging Markets Debt Portfolio — Class I MORGAN STANLEY

Floating rate bond

Investment option fund profile (PDF) Fund partner
Eaton Vance VT Floating-Rate Income Fund — Initial Class Eaton Vance Variable Trust
MainStay VP Floating Rate Portfolio — Initial Class Mainstay Funds

High yield bond

Investment option fund profile (PDF) Fund partner
BlackRock High Yield VI Fund — Class I BlackRock Variable Series Funds, Inc.
Invesco VI High Yield Fund — Series I Shares Invesco Variable Insurance Funds
Lord Abbett Series Bond Debenture Portfolio — Class VC Lord Abbett Series Fund
PIMCO VIT High Yield Portfolio — Administrative Class PIMCO Variable Insurance Trust
Vanguard VIF High Yield Bond Portfolio Vanguard Variable Insurance Fund

Inflation-protected bond

Investment option fund profile (PDF) Fund partner
American Century VP Inflation Protection Fund — Class I American Century Variable Portfolios II, Inc.
DFA Investment Dimensions Group — VIT Inflation-Protected Securities Portfolio — Institutional Class DFA Investment Dimensions Group Inc.
PIMCO VIT Real Return Portfolio — Administrative Class PIMCO Variable Insurance Trust

Intermediate government bond

Investment option fund profile (PDF) Fund partner
Federated Hermes Fund for U.S. Government Securities II Federated Hermes Insurance Series
NVIT Government Bond Fund — Class I Nationwide Variable Insurance Trust Funds

Intermediate-term bond

Investment option fund profile (PDF) Fund partner
Fidelity(R) VIP Bond Index Portfolio — Service Class Fidelity Variable Insurance Products Fund
Fidelity(R) VIP Investment Grade Bond Portfolio — Service Class Fidelity Variable Insurance Products Fund II
Lord Abbett Series Total Return Portfolio — Class VC Lord Abbett Series Fund
MFS(R) VIT Total Return Bond Series — Service Class MFS(R) Variable Insurance Trust
NVIT Bond Index Fund — Class I Nationwide Variable Insurance Trust Funds
PIMCO VIT Total Return Portfolio — Administrative Class PIMCO Variable Insurance Trust
Vanguard VIF Total Bond Market Index Portfolio Vanguard Variable Insurance Fund

Long government bond

Investment option fund profile (PDF) Fund partner
PIMCO VIT Long-Term U.S. Government Portfolio — Administrative Class PIMCO Variable Insurance Trust

World bond

Investment option fund profile (PDF) Fund partner
American Funds Insurance Series(R) Capital World Bond Fund — Class 2 American Funds Insurance Series
DFA Investment Dimensions Group — VA Global Bond Portfolio DFA Investment Dimensions Group Inc.
PIMCO VIT Global Bond Opportunities Portfolio (Unhedged) — Administrative Class PIMCO Variable Insurance Trust
PIMCO VIT International Bond Portfolio (U.S. Dollar-Hedged) — Administrative Class PIMCO Variable Insurance Trust
Templeton VIPT Global Bond VIP Fund — Class 1 Franklin Templeton Variable Insurance Products Trust
Vanguard VIF Global Bond Index Portfolio Vanguard Variable Insurance Fund

Short-term bonds

Investment option fund profile (PDF) Fund partner
Lord Abbett Series Short Duration Income Portfolio — Class VC Lord Abbett Series Fund
NVIT Short Term Bond Fund — Class I Nationwide Variable Insurance Trust Funds
PIMCO VIT Low Duration Portfolio — Administrative Class PIMCO Variable Insurance Trust
Vanguard VIF Short-Term Investment-Grade Portfolio Vanguard Variable Insurance Fund

Ultrashort bond

Investment option fund profile (PDF) Fund partner
DFA Investment Dimensions Group — VA Short-Term Fixed Portfolio DFA Investment Dimensions Group Inc.

Cash

Investment option fund profile (PDF) Fund partner
NVIT Government Money Market Fund — Class V Nationwide Variable Insurance Trust Funds

Specialty

Equity sector

Investment option fund profile (PDF) Fund partner
Ivy VIP Science and Technology — Class II Ivy Funds Variable Insurance Portfolios, Inc.
Janus Henderson VIT Global Technology and Innovation Portfolio — Service Shares Janus Aspen Series

Natural resources

Investment option fund profile (PDF) Fund partner
VanEck VIP Trust Global Hard Assets Fund — Initial Class VanEck Variable Insurance Products Trust

Real estate

Investment option fund profile (PDF) Fund partner
Fidelity(R) VIP Real Estate Portfolio — Service Class Fidelity Variable Insurance Products Fund
Morgan Stanley VIF Global Real Estate Portfolio — Class II MORGAN STANLEY
NVIT Real Estate Fund — Class I Nationwide Variable Insurance Trust Funds
Vanguard VIF Real Estate Index Portfolio Vanguard Variable Insurance Fund
Virtus VIT Duff & Phelps Real Estate Securities Series — Class I Virtus Variable Insurance Trust

Asset allocation

Aggressive allocation

Investment option fund profile (PDF) Fund partner
NVIT Blueprint(SM) Aggressive Fund — Class I Nationwide Variable Insurance Trust Funds
NVIT Blueprint(SM) Moderately Aggressive Fund — Class I Nationwide Variable Insurance Trust Funds
NVIT Investor Destinations Aggressive Fund — Class II Nationwide Variable Insurance Trust Funds
NVIT Investor Destinations Moderately Aggressive Fund — Class II Nationwide Variable Insurance Trust Funds

Conservative allocation

Investment option fund profile (PDF) Fund partner
NVIT Blueprint(SM) Balanced Fund — Class I Nationwide Variable Insurance Trust Funds
NVIT Blueprint(SM) Conservative Fund — Class I Nationwide Variable Insurance Trust Funds
NVIT Blueprint(SM) Moderately Conservative Fund — Class I Nationwide Variable Insurance Trust Funds
NVIT Investor Destinations Moderately Conservative Fund — Class II Nationwide Variable Insurance Trust Funds
NVIT Investor Destinations Conservative Fund — Class II Nationwide Variable Insurance Trust Funds

Moderate allocation

Investment option fund profile (PDF) Fund partner
American Funds Insurance Series(R) Asset Allocation Fund — Class 2 American Funds Insurance Series
Janus Henderson VIT Balanced Portfolio — Service Shares Janus Aspen Series
NVIT Blueprint(SM) Capital Appreciation Fund — Class I Nationwide Variable Insurance Trust Funds
NVIT Blueprint(SM) Moderate Fund — Class I Nationwide Variable Insurance Trust Funds
NVIT Investor Destinations Moderate Fund — Class II Nationwide Variable Insurance Trust Funds
T. Rowe Price Moderate Allocation Portfolio T. Rowe Price Equity Series, Inc.
Vanguard VIF Balanced Portfolio Vanguard Variable Insurance Fund

Tactical allocation

Investment option fund profile (PDF) Fund partner
NVIT J.P. Morgan Mozaic(SM) Multi-Asset Fund — Class Y Nationwide Variable Insurance Trust Funds
PIMCO VIT All Asset Portfolio — Administrative Class PIMCO Variable Insurance Trust

Target date

Investment option fund profile (PDF) Fund partner
Fidelity(R) VIP Freedom Fund 2015 Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund
Fidelity(R) VIP Freedom Fund 2020 Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund IV
Fidelity(R) VIP Freedom Fund 2025 Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund
Fidelity(R) VIP Freedom Fund 2030 Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund IV
Fidelity(R) VIP Freedom Fund 2035 Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund
Fidelity(R) VIP Freedom Fund 2040 Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund
Fidelity(R) VIP Freedom Fund 2045 Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund
Fidelity(R) VIP Freedom Fund 2050 Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund
Fidelity(R) VIP Freedom Fund 2055 Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund
Fidelity(R) VIP Freedom Fund 2060 Portfolio(SM) — Service Class Fidelity Variable Insurance Products Fund

World allocation

Investment option fund profile (PDF) Fund partner
BlackRock Global Allocation VI Fund — Class II BlackRock Variable Series Funds, Inc.
DFA Investment Dimensions Group — DFA VA Global Moderate Allocation Portfolio — Institutional Class DFA Investment Dimensions Group Inc.