SBL VARIABLE ANNUITY ACCOUNT X
497J, 2000-05-02
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Security Benefit Life Insurance Company                700 SW Harrison St.
Security Benefit Group, Inc.                           Topeka, Kansas 66636-0001
Security Distributors, Inc.                            (785) 431-3000
Security Management Company, LLC

May 2, 2000


Securities and Exchange Commission
Judiciary Plaza
450 Fifth Street, NW
Washington, DC 20549


Subj:  VARIABLE ANNUITY ACCOUNT X
       Prospectus Dated May 1, 2000
       File Nos.:  333-52491 and 811-08779


Dear Sir or Madam:

In accordance  with the  provisions of Rule 497(j) under the  Securities  Act of
1933,  please accept this letter as certification  that the PCG Variable Annuity
Account  Prospectus  and Statement of Additional  Information do not differ from
that contained in Post-Effective  Amendment No. 2 to the Registration  Statement
filed under the Securities  Act of 1933 and Amendment No. 3 to the  Registration
Statement filed under the Investment  Company Act of 1940.  This  Post-Effective
Amendment was filed electronically on April 28, 2000.

If  you  have  any  questions  concerning  this  filing,  please  contact  me at
(785) 431-3524.

Very truly yours,

REBECCA WEMPE

Rebecca Wempe
Staff Attorney
Security Benefit Life Insurance Company


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