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PENN MUTUAL VARIABLE ANNUITY ACCOUNT III
THE PENN MUTUAL LIFE INSURANCE COMPANY
CERTIFICATION PURSUANT TO RULE 497(J)
FILE NO. 333-62825
The Registrant hereby certifies that the form of the Prospectus that would have
been filed under Paragraph (c) of Rule 497 under the Securities Act of 1933, as
amended, would not have differed from the Prospectus contained in Post-Effective
Amendment No. 1 to the Registrant's Registration Statement on Form S-6 (File No.
333-62825) which was filed electronically on Friday, April 27, 1999 (Accession
No. 000950116-99-000834).
PENN MUTUAL VARIABLE ANNUITY ACCOUNT III
THE PENN MUTUAL LIFE INSURANCE COMPANY
Dated: May 6, 1999 By /s/ Kenneth J. Kussay
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Kenneth J. Kussay
