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May 5, 1997
Securities and Exchange Commission
450 Fifth Avenue, N.W.
Washington D.C. 20549
RE: SEPARATE ACCOUNT KGC OF ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY
COMPANY ("REGISTRANT")
FORM N-4 (FILE NOS. 333-10283 AND 811-7777)
POST-EFFECTIVE AMENDMENT NO. 1 UNDER THE SECURITIES ACT OF 1933, AND
AMENDMENT NO. 2 UNDER THE INVESTMENT COMPANY ACT OF 1940
Dear Sirs:
Pursuant to Rule 497(j) under the Securities Act of 1933, as amended,
Registrant certifies that the form of prospectus and Statement of Additional
Information that would have been filed under paragraph (b) or (c) of this
section would not have differed from that contained in the most recent
registration statement or amendment, and that the text of the most recent
registration statement or amendment has been filed electronically.
No copies of the cross-reference sheet are being filed because it has not
been amended.
If you have any questions or would like further information, please call me
at (508) 855-3877.
Very truly yours,
/s/ Sylvia Kemp-Orino
Sylvia Kemp-Orino
Assistant Vice President & Counsel
AFLIAC Custom
