<PAGE> 1
[NATIONWIDE LETTERHEAD]
May 3, 1996
VIA ELECTRONIC TRANSMISSION
- ---------------------------
The United States Securities
and Exchange Commission
Judiciary Plaza
450 Fifth Street, N.W.
Washington, D.C. 20549
Re: Nationwide Multi-Flex Variable Account
Nationwide Life Insurance Company
Post-Effective Amendment No. 21; Form N-4
SEC File Nos. 2-75174; 811-3338
CIK #0000356723
Ladies and Gentlemen:
Pursuant to Rule 497(j) under the Securities Act of 1933 (the "1933 Act") and on
behalf of the Nationwide Multi-Flex Variable Account (the "Variable Account"),
we certify that the form of the Prospectus and Statement of Additional
Information that would have been filed under paragraph (c) under Rule 497 does
not differ from the form of the Prospectus and Statement of Additional
Information contained in Post-Effective Amendment No. 21 to the Registration
Statement for the Company and the Variable Account which was filed with the
Securities and Exchange Commission electronically on April 29, 1996.
If there are any questions in connection with the enclosed, please contact
Theresa Schaefer at (614) 249-7470.
Very truly yours,
Joseph P. Rath
Attachments
