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SUPPLEMENT DATED MARCH 6, 1998 TO
PROSPECTUS DATED MAY 1, 1997 FOR
INDIVIDUAL MODIFIED SINGLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACTS
ISSUED BY
NATIONWIDE LIFE INSURANCE COMPANY
THROUGH ITS
NATIONWIDE FIDELITY ADVISOR VARIABLE ACCOUNT
THIS SUPPLEMENT UPDATES CERTAIN INFORMATION CONTAINED IN YOUR PROSPECTUS. PLEASE
READ IT AND KEEP IT WITH YOUR PROSPECTUS FOR FUTURE REFERENCE.
THE "DEATH BENEFIT PAYMENT PROVISIONS" SUB-SECTION LOCATED IN THE "ANNUITY
PAYMENT PERIOD, DEATH BENEFIT AND OTHER DISTRIBUTIONS" SECTION ON PAGE 28 OF THE
PROSPECTUS IS HEREBY AMENDED TO INCLUDE THE FOLLOWING INFORMATION:
DEATH BENEFIT PAYMENT PROVISIONS
For Contracts issued on or after the later of November 3, 1997, or the date upon
which the proper insurance authorities approve applicable Contract
modifications, the Contract Owner may, at the time of application, select one of
three death benefits available under the Contract. If no selection is made at
the time of application, the Death Benefit will be the Standard Contractual
Death Benefit.
- - STANDARD CONTRACTUAL DEATH BENEFIT
If the Annuitant dies prior to his or her 86th birthday, the dollar amount of
the Death Benefit will be the greatest of:
(1) the Contract Value;
(2) the sum of all Purchase Payments, less an adjustment for amounts
surrendered; or
(3) the Contract Value as of the most recent five year Contract Anniversary
occurring prior to the Annuitant's 86th birthday, less an adjustment for
amounts surrendered, plus Purchase Payments received after that five year
Contract Anniversary Date.
The adjustment for amounts surrendered will reduce items (2) and (3) above in
the same proportion that the Contract Value was reduced on the date(s) of the
partial surrender(s).
If the Annuitant dies on or after his or her 86th birthday, the dollar amount of
the Death Benefit will equal the Contract Value.
If the Annuitant dies on or after the Annuitization Date, any amount payable
will be determined according to the selected Annuity Payment Option.
No additional charge will be assessed to the Contract Owner for election of the
Standard Contractual Death Benefit.
THE "DEATH BENEFIT PROVISIONS" AND "STANDARD CONTRACTUAL DEATH BENEFIT"
INFORMATION ABOVE REPLACES IN ITS ENTIRETY THE CORRESPONDING PROVISIONS IN THE
SUPPLEMENT DATED NOVEMBER 3, 1997 TO THE PROSPECTUS DATED MAY 1, 1997.
