SUPPLEMENT DATED OCTOBER 1, 2003 TO

                        PROSPECTUS DATED MAY 1, 2003 FOR

                     LAST SURVIVOR FLEXIBLE PREMIUM VARIABLE

                        UNIVERSAL LIFE INSURANCE POLICIES

                                    ISSUED BY

                        NATIONWIDE LIFE INSURANCE COMPANY

                                   THROUGH ITS

                        NATIONWIDE VLI SEPARATE ACCOUNT-4

THIS SUPPLEMENT UPDATES CERTAIN INFORMATION CONTAINED IN YOUR PROSPECTUS. PLEASE
READ IT AND KEEP IT WITH YOUR PROSPECTUS FOR FUTURE REFERENCE.

Effective October 1, 2003, the Gartmore Variable Insurance Trust - GVIT Small
Cap Value Fund has added J.P. Morgan Investment Management Inc. as a
sub-adviser. Consequently, the information pertaining to the Gartmore Variable
Insurance Trust - GVIT Small Cap Value Fund: Class I in Appendix B is replaced
with the following:



                                              
GARTMORE VARIABLE INSURANCE TRUST - GVIT SMALL CAP VALUE FUND: CLASS I
------------------------------------------------ -----------------------------------------------------------------------------------
Investment Adviser:                              Gartmore Mutual Fund Capital Trust, an indirect subsidiary of Nationwide Financial
                                                 Services, Inc.
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Sub-advisers:                                    The Dreyfus Corporation; J.P. Morgan Investment Management Inc.
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Investment Objective:                            Capital appreciation.
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Total Sub-Account Portfolio                      1.11%
Annual Operating Expenses:
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