Exhibit 32.1

                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, 2003 as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, W.G. Jurgensen, Chief Executive Officer of the Company, certify, pursuant to
18 U.S.C. (S) 1350, as adopted pursuant to (S) 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 12 2003


/s/ W.G. Jurgensen
- --------------------------
Name:  W.G. Jurgensen
Title: Chief Executive 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.