Exhibit 7


                            [NATIONWIDE LETTERHEAD]

February 19, 2002

Board of Directors
Nationwide Life Insurance Company
One Nationwide Plaza
Columbus, Ohio 43215

Re:       Nationwide Life Insurance Company
          Nationwide VLI Separate Account-4
          Registration Statement

Ladies and Gentlemen:

I have acted as Counsel to Nationwide Life Insurance Company (the "Company"), an
Ohio insurance company, and its Nationwide VLI Separate Account-4 (the "Separate
Account") in connection with the registration of an indefinite number of
securities in the form of variable life insurance policies (the "Policies") with
the Securities and Exchange Commission under the Securities Act of 1933, as
amended. I have examined the registration statement on Form S-6, including all
related documents and exhibits, and reviewed such questions of law as I
considered necessary and appropriate. On the basis of such examination and
review, it is my opinion that:

     1.  The Company is a corporation duly organized and validly existing
         as a stock life insurance company under the laws of the State of Ohio
         and is duly authorized to issue and sell life insurance and annuity
         contracts.
     2.  The Separate Account has been properly created and is a validly
         existing separate account pursuant to the laws of the State of Ohio.
     3.  The issuance and sale of the Last Survivor Flexible Premium
         Variable Universal Life Insurance Policies have been duly authorized by
         the Company. The Policies, when issued and sold in the manner stated in
         the registration statement, will be legal and binding obligations of
         the Company in accordance with their terms, except that clearance must
         be obtained, or the contract form must be approved, prior to the
         issuance thereof in certain jurisdictions.
     4.  To the extent so provided under the Policies, that portion of the
         assets of the Separate Account equal to the reserves and other contract
         liabilities with respect to the Separate Account, will not be
         chargeable with liabilities arising out of any other business that the
         Company may conduct.

I hereby consent to the filing of this opinion as an exhibit to the Registration
Statement filed on Form S-6 for the Policies and the Separate Account.


Very truly yours,

/s/ Michael R. Moser

Michael R. Moser
Variable Products Securities Counsel