FSL SEPARATE ACCOUNT M, 497J, 2000-05-11

FSL SEPARATE ACCOUNT M
497J, 2000-05-11

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Blazzard, Grodd & Hasenauer, P.C.
943 Post Road East
Westport, CT 06880
(203) 226-7866


VIA EDGAR


May 11, 2000


Securities and Exchange Commission
Division of Investment Management
Office of Insurance Products
450 Fifth Street, N.W.
Washington, DC 20549

Re:  FSL Separate Account M
     File No. 333-69647
     -------------------------

Ladies and Gentlemen:

Pursuant to Securities Act Rule 497(j),  we hereby certify that the Statement of
Additional Information dated May 1, 2000, which would have been filed under Rule
497(c) does not differ  from that  contained  in the most recent  Post-Effective
Amendment, which Amendment has been filed electronically.

Please  contact the  undersigned  with any  questions  or comments  you may have
concerning the enclosed.

Sincerely,

BLAZZARD, GRODD & HASENAUER, P.C.


By: /s/ LYNN KORMAN STONE
    ------------------------------
        Lynn Korman Stone