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 Quarterly Report of Nationwide Life Insurance Company
(the "Company") on Form 10-Q for the period ending September 30, 2002 as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, Robert A. Oakley, 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.



November 14, 2002



/s/ Robert A. Oakley
- ---------------------------


Name:  Robert A. Oakley
Title: Chief Financial Officer