SEPARATE ACCOUNT KGC OF ALLMERICA FIN LIFE INS & ANNUITY CO
497J, 1999-11-18
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                                                               November 18, 1999

VIA EDGAR
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549

RE:  Separate Account KGC of Allmerica Financial Life Insurance and Annuity
     Company ("Separate Account KGC"), Form N-4 (File Nos. 333-10283 and
     811-7777) Post-Effective Amendment No. 6 under the Securities Act of 1933
     and Amendment No. 7 under the Investment Company Act of 1940, as amended

Dear Sirs or Madams:

Pursuant to Rule 497(j) under the Securities Act of 1933, as amended, ("1933
Act"), Registrant certifies that the form of Prospectus and Statement of
Additional Information that would have been filed under paragraph (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.

If there should be any questions on this filing, please contact the undersigned
at (508) 855-3877.

                                         Very truly yours,

                                         /s/ John C. Donlon, Jr.

                                         John C. Donlon, Jr.
                                         Assistant Vice President and Counsel




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