May 3, 2010

VIA EDGAR

The United States Securities and

   Exchange Commission

100 F Street, NE

Washington, D.C. 20549

Subject:                  Nationwide Variable Account – 13

Nationwide Life Insurance Company

SEC File No. 333-91890

CIK No. 0001175929

Ladies and Gentlemen:

Pursuant to Rule 497(j) under the Securities Act of 1933 and on behalf of the Nationwide Variable Account-13 (the “Variable Account”) and Nationwide Life Insurance Company (the “Company”), we certify that the form of the prospectus that would have been filed under paragraphs (b) or (c) of Rule 497 does not differ from the form of the prospectus contained in Post-Effective Amendment No. 9 to the Registration Statement for the Company and the Variable Account that became effective May 1, 2010.

Please contact me at (614) 677-6123 if you have any questions regarding this filing.

Very truly yours,

NATIONWIDE LIFE INSURANCE COMPANY

/s/BENJAMIN W. MISCHNICK

Benjamin W. Mischnick

Senior Counsel