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[NATIONWIDE LETTERHEAD]
May 3, 1996
VIA ELECTRONIC TRANSMISSION
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The United States Securities and
Exchange Commission
Judiciary Plaza
450 Fifth Street, N.W.
Washington, D.C. 20549
Subject: Nationwide Variable Account-3 of
Nationwide Life Insurance Company
SEC File No. 33-18422; 811-5405
CIK No. 0000825555
Ladies and Gentlemen:
Pursuant to Rule 497(j) under the Securities Act of 1933 and on behalf of the
Nationwide Variable Account-3 (the "Variable Account") and Nationwide Life
Insurance Company (the "Company"), we certify that the form of the Prospectus
and Statement of Additional Information that would have been filed under
paragraph (b) under Rule 497 does not differ from the form of the Prospectus and
Statement of Additional Information contained in Post-Effective Amendment No. 10
to the Registration Statement for the Company and the Variable Account which was
filed with the Securities and Exchange Commission electronically.
If there are any questions in connection with the enclosed, please contact
Elizabeth A. Davin, Esq. at (614) 249-8678.
Very truly yours,
NATIONWIDE LIFE INSURANCE COMPANY
Joseph P. Rath
Vice President and Associate
General Counsel
JPR/cw
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