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[PFL LIFE INSURANCE COMPANY LETTERHEAD]
November 10, 1999
VIA EDGAR TRANSMISSION
U.S. Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Re: The One/(R)/ Income Annuity/(SM)/
(File No. 333-78743)
Commissioners:
On behalf of the above-captioned registrant, I hereby certify, pursuant to Rule
497(j) of the Securities Act of 1933, that the form of the prospectus and
statement of additional information dated November 2, 1999, that would have been
filed under paragraph (c) of Rule 497 does not differ from those contained in
the most recently filed amendment to the above-captioned registration statement.
The text of the registrant's most recent post-effective amendment was filed
electronically via EDGAR.
If you have any questions regarding this certification, please call the
undersigned at (319) 297-8330.
Sincerely,
/s/ Darin D. Smith
Darin D. Smith
Senior Counsel
Financial Markets Division
cc: Frederick R. Bellamy, Esq.
