RETIREMAP VARIABLE ACCOUNT
497J, 1999-05-13
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                                  May 12, 1999



VIA EDGAR TRANSMISSION
- ----------------------

U.S. Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.  20549

     Re:   RetireMAP Variable Account (File No. 333-12507)
           Rule 497(j) Certification

Commissioners:

     On behalf of RetireMAP Variable Account (the "Account") and in lieu of
filing with the Commission the form of prospectus and statement of additional
information dated May 1, 1999 that was used in connection with the offering by
United Investors Life Insurance Company (the "Company") of certain deferred
variable annuity insurance policies funded through the Account, the Company
hereby certifies that:

     (1)  The form of prospectus and statement of additional information that
          would have been filed pursuant to Rule 497(c) under the Securities Act
          of 1933 (the "1933 Act") would not have differed from that contained
          in Post-Effective Amendment No. 3 to the Account's registration
          statement under the 1933 Act ("PEA 3") on Form N-4, as filed with the
          Commission on April 28, 1999; and

     (2)  the text of PEA 3 has been filed with the Commission electronically.

     Please call Cathy C. Pilcher at (205) 325-4307 if you have questions or
comments regarding this filing.


                                 UNITED INVESTORS LIFE INSURANCE COMPANY



                                 By: /s/ John H. Livingston

                                     John H. Livingston, Esquire
                                     Secretary and Counsel



cc: Frederick R. Bellamy


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