PHOENIX HOME LIFE VARIABLE ACCUMULATION ACCOUNT
497J, 1996-05-06
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                                                                       1933 Act
                                                                    Rule 497(j)




                                            May 6, 1996



VIA EDGAR
- ---------

Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.  20549

RE:      PHOENIX HOME LIFE VARIABLE ACCUMULATION ACCOUNT
         (THE BIG EDGE PLUS/GROUP STRATEGIC EDGE)
         REGISTRATION NO. 2-78020

To the Commission Staff:

         In accordance with Rule 497(j) of the Securities Act of 1933, as
amended, the undersigned certifies that the form of Prospectus and Statement of
Additional Information that would have been filed under Rule 497(c) did not
differ from that contained in the most recent registration statement for such
registrant, filed electronically on Form N-4 pursuant to Rule 485(b) on April
24, 1996.

                                            Very truly yours,
                                            PHOENIX HOME LIFE MUTUAL INSURANCE
                                            COMPANY


                                            /s/ Richard J. Wirth
                                            Richard J. Wirth, Counsel




funds\2178

<PAGE>
                                                                      1933 Act
                                                                    Rule 497(j)




                                            May 6, 1996



VIA EDGAR
- ---------

Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C.  20549

RE:      PHOENIX HOME LIFE VARIABLE ACCUMULATION ACCOUNT
         (TEMPLETON INVESTMENT PLUS)
         REGISTRATION NO. 2-78020

To the Commission Staff:

         In accordance with Rule 497(j) of the Securities Act of 1933, as
amended, the undersigned certifies that the form of Prospectus and Statement of
Additional Information that would have been filed under Rule 497(c) did not
differ from that contained in the most recent registration statement for such
registrant, filed electronically on Form N-4 pursuant to Rule 485(b) on April
24, 1996.

                                            Very truly yours,
                                            PHOENIX HOME LIFE MUTUAL INSURANCE
                                            COMPANY


                                            /s/ Richard J. Wirth
                                            Richard J. Wirth, Counsel




funds\2179



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