# EDGAR Filing Document

**Accession Number:** 0000205695
**File Stem:** 0001193125-26-008262
**Filing Date:** 2026-1
**Character Count:** 16164
**Document Hash:** 866fce227bc9f28ff71ee1af1574fb6f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-008262.hdr.sgml**: 20260109

**ACCESSION NUMBER**: 0001193125-26-008262

**CONFORMED SUBMISSION TYPE**: POS AM

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20260109

**DATE AS OF CHANGE**: 20260109

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** NATIONWIDE LIFE INSURANCE CO
- **CENTRAL INDEX KEY:** 0000205695
- **STANDARD INDUSTRIAL CLASSIFICATION:** LIFE INSURANCE [6311]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 314156830
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** POS AM
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-271187
- **FILM NUMBER:** 26521335

**BUSINESS ADDRESS:**
- **STREET 1:** NATIONWIDE LIFE INSURANCE COMPANY
- **STREET 2:** ONE NATIONWIDE PLAZA
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43215
- **BUSINESS PHONE:** 6142497111

**MAIL ADDRESS:**
- **STREET 1:** ONE NATIONWIDE PLAZA
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43215

1933 Act File No. 333-271187

------

**United States Securities and Exchange Commission**

Washington, D.C. 20549

**Form S-1**

**Registration Statement** 

**Under**

**The Securities Act of 1933**

**Post-Effective Amendment No. 3**

**Nationwide Life Insurance Company**

(Exact name of registrant as specified in its charter)

---

| | | |
|:---|:---|:---|
| **OHIO** | **6311** | **31-4156830** |
| (State or other jurisdiction of<br> incorporation or organization)<br>| &nbsp;&nbsp;&nbsp; (Primary Standard Industrial<br> Classification Code Number)<br>| &nbsp;&nbsp;&nbsp; (I.R.S. Employer<br> Identification Number)<br>|

---

**One Nationwide Plaza, Columbus, Ohio 43215**

(Address, including zip code, and telephone number, including area code, <br>of registrant's principal executive offices)

**Denise L. Skingle** <br>**Senior Vice President and Secretary** <br>**One Nationwide Plaza** <br>**Columbus, Ohio 43215** <br>**Telephone: (614) 249-7111**

(Name, address, including zip code, and telephone number, including area code, of agent for service)

------

**Approximate date of commencement of proposed sale to the public: Not applicable**

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule

415 under the Securities Act of 1933, check the following box.

☐

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please

check the following box and list the Securities Act registration statement number of the earlier effective registration

statement for the same offering.

☐

If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box

and list the Securities Act registration statement number of the earlier effective registration statement for the same

offering.

☐

If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the following box

and list the Securities Act registration statement number of the earlier effective registration statement for the same

offering.

☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a

smaller reporting company or an emerging growth company. See the definitions of "large accelerated filer," "accelerated

filer", "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Exchange Act.

☐

Large accelerated filer

☐

Accelerated filer

☐

Non-accelerated filer

☒

Smaller reporting company

☐

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition

period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the

Securities Act

☐

------

**The Registrant hereby amends this Registration Statement on such date or dates as may be necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this Registration Statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the Registration Statement shall become effective on such date as the Commission, acting pursuant to said Section 8(a), may determine.**

------

**EXPLANATORY NOTE**

**DEREGISTRATION OF UNSOLD SECURITIES**

Nationwide Life Insurance Company (the "Company") is seeking to deregister all interests in the Guaranteed Term Options (the "Options") that remain unsold under this Registration Statement. Effective May 1, 2025, the Options were no longer available for new terms (for new allocations, transfers, or renewals), and the Company does not intend to make the Options available to new or existing customers in the future. As a result, the public offering of the Options has terminated, and the Company is no longer obligated to maintain the effectiveness of this Registration Statement.

As if January 5, 2026, there were 53 outstanding contracts with allocations to an Option. Ongoing terms may continue until maturity, at which time the contract owner may transfer contract value in the matured Option to any other available variable or fixed investment option or take any other action permitted under the contract (e.g., surrender, annuitize).

In accordance with Item 512(a)(3) of Regulation S-K and the corresponding undertaking made by the Company under Item 17(A)(3) in this Registration Statement to remove from registration by means of a post-effective amendment any of the securities which remain unsold at the termination of the offering, the Company is filing Post-Effective Amendment No. 3 to this Registration statement to remove from registration all interests in the Options that remain unsold as of the date hereof. Upon this deregistration, no securities will remain registered for sale under this Registration Statement.

------

**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Columbus, and State of Ohio, on January 9, 2026.

---

| |
|:---|
| **Nationwide Life Insurance Company** |
| (Registrant) |
| By: /s/ Craig A. Hawley\* |
| Craig A. Hawley<br> President and Chief Operating Officer<br>|

---

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities indicated, on January 9, 2026.

---

| | |
|:---|:---|
| /s/ CRAIG A. HAWLEY\* |  |
| Craig A. Hawley, President and Chief Operating Officer <br> and Director (Principal Executive Officer)<br>|  |
| /s/ KUSH V. KOTECHA\* |  |
| Kush V. Kotecha, Senior Vice President-Nationwide <br> Annuity and Director<br>|  |
| /s/ HOLLY R. SNYDER\* |  |
| Holly R. Snyder, Senior Vice President-Nationwide Life <br> and Director<br>|  |
| /s/ TIMOTHY G. FROMMEYER\* |  |
| Timothy G. Frommeyer, Executive Vice President and <br> Director<br>|  |
| /s/ STEVEN A. GINNAN\* |  |
| Steven A. Ginnan, Senior Vice President-Chief Financial <br> Officer – Financial Services and Director<br> (Chief Financial Officer)<br>|  |
| /s/ KIRT A. WALKER\* |  |
| Kirt A. Walker, Director |  |
| /s/ JAMES D. BENSON\* |  |
| James D. Benson, Senior Vice President-Corporate <br> Controller and Chief Accounting Officer<br> (Principal Accounting Officer)<br>|  |
|  | \*By: /s/ Jamie Ruff Casto |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Jamie Ruff Casto<br> Attorney-in-Fact<br> Pursuant to Power of Attorney<br>|

---

[<u>Amended Articles of Incorporation of Nationwide Life Insurance Company filed previously on October 2, 2008, with Pre-Effective</u>](https://www.sec.gov/Archives/edgar/data/205695/000119090308001157/articlesofincorp.htm)[<u>Amendment 3 to Form S-1 for Nationwide Life Insurance Company, Registration No. 333-149613 and hereby</u>](https://www.sec.gov/Archives/edgar/data/205695/000119090308001157/articlesofincorp.htm)[<u>incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/205695/000119090308001157/articlesofincorp.htm)

[<u>Nationwide Life Insurance Company Amended and Restated Code of Regulations filed previously on January 4, 2010,</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6b.htm)[<u>with N-4 Registration No. 333-164125 and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6b.htm)

[Power of attorney authorizing Jamie Ruff Casto to sign registration statements for Nationwide Life Insurance Company on](d82355dex99poa.htm)[behalf of the above-named signors is attached hereto.](d82355dex99poa.htm)

------

## Ex-99.Poa

**POWER OF ATTORNEY**

Each of the undersigned as directors and/or officers of NATIONWIDE LIFE INSURANCE COMPANY and NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY, both Ohio corporations, which have filed or will file with the U.S. Securities and Exchange Commission under the provisions of the Securities Act of 1933, as amended; the Investment Company Act of 1940, as amended; and, if applicable, the Securities Exchange Act of 1934, various registration statements and amendments thereto for the registration of current, as well as any future, separate accounts established by said corporations for the purpose of registering under said Act(s) immediate or deferred variable annuity contracts, fixed interest rate options subject to a market value adjustment, group flexible fund retirement annuity contracts and variable life insurance policies in connection with the separate accounts and contracts listed below:

---

| | |
|:---|:---|
| **Variable Annuities and Variable Life Insurance Policies** | **Variable Annuities and Variable Life Insurance Policies** |
| **Separate Account (1940 Act File No.)** | **1933 Act File No(s). / Contract Name(s)** |
| MFS Variable Account (811-02662) | 002-73432 |
| Nationwide Jefferson National VA Separate Account 1 <br> (811-22994)<br>| 333-288440 |
| Nationwide Multi-Flex Variable Account (811-03338) | 033-23905, 002-75174 |
| Nationwide Variable Account (811-02716) | 002-58043, 333-80481, 333-176908 |
| Nationwide Variable Account-II (811-03330) | &nbsp;&nbsp;&nbsp;&nbsp; 002-75059, 033-67636, 033-60063, 333-103093, 333-103094, <br> 333-103095, 333-104513, 333-104511, 333-104512, <br> 333-104510, 333-151990, 333-105992, 333-147273, <br> 333-147198, 333-160635, 333-164886, 333-168818, <br> 333-177934, 333-177581, 333-177582, 333-177316, <br> 333-177319, 333-177439, 3333-177441, 333-177729, <br> 333-177731, 333-173349, 333-177938, 333-182494, <br> 333-235382, 333-235383, 333-258296<br>|
| Nationwide Variable Account-3 (811-05405) | 033-18422 |
| Nationwide Variable Account-4 (811-05701) | &nbsp;&nbsp;&nbsp;&nbsp; 333-62692, 333-135650, 333-140812, 333-201820, 333-240010, <br> 333-240009<br>|
| Nationwide Variable Account-5 (811-08142) | 033-71440, 333-267078, 333-272927 |
| Nationwide Variable Account-6 (811-08684) | 033-82370, 333-21909 |
| Nationwide Variable Account-7 (811-08666) | 033-82190, 033-82174, 033-89560 |
| Nationwide Variable Account-8 (811-07357) | 033-62637, 033-62659 |
| Nationwide Variable Account-9 (811-08241) | &nbsp;&nbsp;&nbsp;&nbsp; 333-28995, 333-52579, 333-56073, 333-53023, 333-79327, <br> 333-69014, 333-75360<br>|
| Nationwide Variable Account-10 (811-09407) | 333-81701 |
| Nationwide Variable Account-11 (811-10591) | 333-74904, 333-74908 |
| Nationwide Variable Account-12 (811-21099) | 333-88612, 333-108894, 333-178057, 333-178059 |
| Nationwide Variable Account-13 (811-21139) | 333-91890 |
| Nationwide Variable Account-14 (811-21205) | 333-104339 |
| Nationwide Variable Account-15 (811-23386) | 333-227783, 333-227780 |
| Nationwide VA Separate Account-A (811-05606) | 033-22940 |
| Nationwide VA Separate Account-B (811-06399) | 033-86408 |
| Nationwide VA Separate Account-C (811-07908) | 033-66496 |
| Nationwide VA Separate Account-D (811-10139) | 333-45976 |
| Nationwide VLI Separate Account (811-04399) | 033-35698 |
| Nationwide VLI Separate Account-2 (811-05311) | 033-16999, 033-62795, 033-35783, 033-63179 |
| Nationwide VLI Separate Account-3 (811-06140) | 033-44296 |
| Nationwide VLI Separate Account-4 (811-08301) | &nbsp;&nbsp;&nbsp;&nbsp; 333-31725, 333-43671, 333-94037, 333-52615, 333-69160, <br> 333-83010, 333-137202, 333-169879, 333-229640 <br>|
| Nationwide VLI Separate Account-5 (811-10143) | 333-46338, 333-46412, 333-66572, 333-121881 |
| Nationwide VLI Separate Account-6 (811-21398) | 333-106908 |
| Nationwide VLI Separate Account-7 (811-21610) | &nbsp;&nbsp;&nbsp;&nbsp; 333-117998, 333-121879, 333-146649, 333-149295, <br> 333-156020, 333-258039, 333-258035<br>|

---

------

---

| | |
|:---|:---|
| **Variable Annuities and Variable Life Insurance Policies** | **Variable Annuities and Variable Life Insurance Policies** |
| **Separate Account (1940 Act File No.)** | **1933 Act File No(s). / Contract Name(s)** |
| Nationwide VL Separate Account-C (811-08351) | 333-43639 |
| Nationwide VL Separate Account-D (811-08891) | 333-59517 |
| Nationwide VL Separate Account-G (811-21697) | &nbsp;&nbsp;&nbsp;&nbsp; 333-121878, 333-140608, 333-146073, 333-146650, <br> 333-149213, 333-155153, 333-215169, 333-215173, <br> 333-223705, 333-253123, 333-272262, 333-280429<br>|
| Nationwide Provident VA Separate Account 1 (811-07708) | 333-164127, 333-164126 |
| Nationwide Provident VLI Separate Account 1 (811-04460) | &nbsp;&nbsp;&nbsp;&nbsp; 333-164180, 333-164117, 333-164178, 333-164179, <br> 333-164119, 333-164120, 333-164115, 333-164118, <br> 333-164116<br>|
| Nationwide Provident VA Separate Account A (811-06484) | &nbsp;&nbsp;&nbsp;&nbsp; 333-164131, 333-164130, 333-164132, 333-164129, <br> 333-164128<br>|
| Nationwide Provident VLI Separate Account A (811-08722) | &nbsp;&nbsp;&nbsp;&nbsp; 333-164188, 333-164123, 333-164185, 333-164122, <br> 333-164121<br>|

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| **General Account Products** | **General Account Products** |
| **Insurance Company** | **1933 Act File No(s). / Contract Name(s)**  |
| Nationwide Life Insurance Company | &nbsp;&nbsp;&nbsp;&nbsp; 333-271186, 333-271187, 333-271188, 333-278509, <br> 333-289518, 333-289519, 333-289520<br>|

---

hereby constitute and appoint Craig A. Hawley, Steven A. Ginnan, Kush V. Kotecha, Holly R. Snyder, Michael Stobart, Paige L. Ryan, Shawn M. Parry, Jamie Ruff Casto, Stephen M. Jackson, and Benjamin W. Mischnick and each of them with power to act without the others, as his/her attorney, with full power of substitution for and in his/her name, place and stead, in any and all capacities, to approve, and sign such Registration Statements, and any and all amendments thereto, with power to affix the corporate seal of said corporation thereto and to attest said seal and to file the same, with all exhibits thereto and other documents in connection therewith, with the U.S. Securities and Exchange Commission, hereby granting unto said attorneys, and each of them, full power and authority to do and perform all and every act and thing requisite to all intents and purposes as he/she might or could do in person, hereby ratifying and confirming that which said attorneys, or any of them, may lawfully do or cause to be done by virtue hereof. This instrument may be executed in one or more counterparts.

IN WITNESS WHEREOF, the undersigned have herewith set their names as of this 20<sup>th</sup> day of November, 2025.

---

| | |
|:---|:---|
| /s/ Craig A. Hawley | /s/ Timothy G. Frommeyer |
| CRAIG A. HAWLEY, Director and Officer | TIMOTHY G. FROMMEYER, Director and Officer |
| /s/ Steven A. Ginnan | /s/ Kush V. Kotecha |
| STEVEN A. GINNAN, Director and Officer | KUSH V. KOTECHA, Director and Officer |
| /s/ Holly R. Snyder | /s/ Kirt A. Walker |
| HOLLY R. SNYDER, Director and Officer | KIRT A. WALKER, Director |
| /s/ James D. Benson |  |
| JAMES D. BENSON, Officer |  |

---

------