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May 4, 1999
Securities and Exchange Commission
450 Fifth Avenue, N. W.
Washington DC 20549
RE: Fulcrum Variable Life Separate Account of Allmerica Financial Life
Insurance and Annuity Company
Form S-6 (File Nos. 333-15569)
Post-Effective Amendment No. 1
Dear Sirs:
Pursuant to Rule 497(j) under the 1933 Act, Registrant certifies that the form
of 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) 855-4194.
Very truly yours,
/s/ Sheila B. St. Hilaire
Sheila B. St. Hilaire
Assistant Vice President & Counsel
