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[NATIONWIDE LOGO]
NATIONWIDE LIFE INSURANCE COMPANY
NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY
HOME OFFICE: ONE NATIONWIDE PLAZA - COLUMBUS, OH 43215-2220
May 4, 1999
VIA EDGAR
The United States Securities
and Exchange Commission
Judiciary Plaza
450 Fifth Street, N.W.
Washington, D.C. 20549
Subject: Nationwide Multi-Flex Variable Account of
Nationwide Life Insurance Company
SEC File No. 33-23905
CIK No. 0000356723
Ladies and Gentlemen:
Pursuant to Rule 497(j) under the Securities Act of 1933 ("1933 Act") and on
behalf of the Nationwide Multi-Flex Variable Account (the "Variable Account")
and Nationwide Life Insurance Company (the "Company"), we certify that the form
of the Prospectus and the Statement of Additional Information that would have
been filed under paragraphs (b) and (c) under Rule 497 does not differ from the
form of the Prospectus and Statement of Additional Information contained in
Post-Effective Amendment No. 12 (1933 Act) to the Registration Statement for the
Company and the Variable Account which became effective May 1, 1999.
Please contact the undersigned at (614) 249-0075 with any questions regarding
this filing.
Very truly yours,
NATIONWIDE LIFE INSURANCE COMPANY
Heather Harker, Esq.
Compliance Manager
cc: Mr. Kevin Kirchoff, Esq.
Branch Chief
Stop 5-6
Office of Insurance Products and Legal Compliance
