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May 3, 2000
Securities and Exchange Commission
450 Fifth Avenue, N.W.
Washington D.C. 20549
RE: FULCRUM SEPARATE ACCOUNT OF ALLMERICA FINANCIAL LIFE INSURANCE AND
ANNUITY COMPANY ("REGISTRANT")
FORM N-4 (FILE NOS. 333-11377 AND 811-7799)
POST-EFFECTIVE AMENDMENT NO. 7 UNDER THE SECURITIES ACT OF 1933, AND
AMENDMENT NO. 8 UNDER THE INVESTMENT COMPANY ACT OF 1940
Dear Sirs:
Pursuant to Rule 497(j) under the 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.
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/ John C. Donlon, Jr.
John C. Donlon, Jr.
Assistant Vice President & Counsel
