Prospectus supplement dated October 1, 2013

to the following prospectus(es):

The Best of America® ChoiceLife^SM Survivorship II, prospectus dated May 1, 2009

The Best of America® SPVL, The Best of America® Multiple Pay, The Best of America® Last Survivor FPVUL, and Multi-Flex FPVUL prospectus dated May 1, 2002

American Capital SPVL, American Capital FPVUL, American Capital Multiple Pay, NLAIC SPVL, and NLAIC Multiple Pay prospectus dated May 1, 2000

SPVL and VLI (NLIC) prospectus dated May 1, 1987

This supplement updates certain information contained in your prospectus. Please read it and keep it with your prospectus for future reference.

Effective immediately, Nationwide will accept telephone requests for surrenders, partial surrenders and policy loans under certain circumstances and subject to certain restrictions. Nationwide reserves the right to discontinue acceptance of telephonic requests at any time upon written notice to the policy owner. Consequently, the following provisions of this prospectus are amended accordingly:

1. The following is hereby added to the "Surrender (Redemption)" section of the "Surrendering the Policy for Cash" provision:

Surrendering the Policy for Cash

Surrender (Redemption)

Notwithstanding anything to the contrary set forth in this prospectus, requests submitted via telephone will be accepted subject to dollar amount limitations and payment restrictions to prevent fraud. Nationwide reserves the right to discontinue acceptance of telephonic requests at any time upon written notice to the policy owner. Please contact the Service Center for current limitations and restrictions on surrenders.

2. The following is hereby added to the "Partial Surrenders" section of the "Surrendering the Policy for Cash" provision:

Partial Surrender

Notwithstanding anything to the contrary set forth in this prospectus, requests submitted via telephone will be accepted subject to dollar amount limitations and payment restrictions to prevent fraud. Nationwide reserves the right to discontinue acceptance of telephonic requests at any time upon written notice to the policy owner. Please contact the Service Center for current limitations and restrictions on partial surrenders.

3. The following is hereby added to the "Taking a Policy Loan" section of the "Policy Loans" provision:

Policy Loans

Taking a Policy Loan

Notwithstanding anything to the contrary set forth in this prospectus, requests submitted via telephone will be accepted subject to dollar amount limitations and payment restrictions to prevent fraud. Nationwide reserves the right to discontinue acceptance of telephonic requests at any time upon written notice to the policy owner. Please contact the Service Center for current limitations and restrictions on policy loans.

4. The following "Treatment of Unclaimed Property" section is hereby added to the "Proceeds Payable on Death" provision:

GWP-0453

1

Proceeds Payable on Death

Treatment of Unclaimed Property

Every state has unclaimed property laws which generally declare life insurance policies to be abandoned after a period of inactivity of three to five years from the policy Maturity Date or the date Nationwide becomes informed that a Death Benefit is due and payable. For example, if the payment of a Death Benefit has been triggered, but, if after a thorough search, Nationwide is still unable to locate the beneficiary of the Death Benefit, or the beneficiary does not come forward to claim the Death Benefit in a timely manner, Nationwide will escheat the Death Benefit to the abandoned property division or unclaimed property office of the state in which the beneficiary or the policy owner last resided, as shown on Nationwide's books and records, or to Ohio, Nationwide's state of domicile. If a claim is subsequently made, the state is obligated to pay any such amount (without interest) to the designated recipient upon presentation of proper documentation.

To prevent escheatment, it is important to update beneficiary designations - including complete names, complete addresses, phone numbers, and social security numbers - as they change. Such updates should be sent to the Service Center.

GWP-0453

2