Exhibit 99.2

                CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Nationwide Life Insurance Company (the
"Company") on Form 10-K for the period ending December 31,2002 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Mark R.
Thresher, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C.
ss. 1350, as adopted pursuant to ss. 906 of the Sarbanes-Oxley Act of 2002, to
the best of my knowledge, that:

     (1)  The Report fully complies with the requirements of section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and
     (2)  The information contained in the Report fairly presents, in all
          material respects, the financial condition and result of operations of
          the Company.


March 24, 2003

/s/ Mark R. Thresher
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Name:    Mark R. Thresher
Title:   Chief Financial Officer

A signed original of this written statement required by Section 906 has
been provided to Nationwide Life Insurance Company and will be retained by
Nationwide Life Insurance Company and furnished to the Securities and Exchange
Commission or its staff upon request.