Exhibit 32.2

                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, 2003 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. (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/ Mark R. Thresher
- -------------------------
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.