PRUDENTIAL QUALIFIED INDIVIDUAL VARIABLE CONTRACT ACCOUNT/NJ
497J, 1996-05-03
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The Prudential Insurance Company of America

                                   Thomas C. Castano
                                   Assistant General Counsel
                                   Law Department

                                   The Prudential Insurance Company of America
                                   213 Washington Street
                                   Newark, NJ 07102-2992
                                   (201) 802-4708 fax: (201) 802-8357




                                         May 2, 1996


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

        Re: The Prudential Qualified Individual Variable Contract Account
            (Registration No. 2-81318)

Ladies and Gentlemen:

     Pursuant to subparagraph (j) of Rule 497 under the Securities Act of 1933,
the Registrant hereby certifies (i) that its Prospectus that would have been
filed pursuant to Rule 497(c) would not have differed from the Prospectus
contained in Post-Effective Amendment No. 23 and (ii) that the text of
Post-Effective Amendment No. 23 was filed electronically on April 25, 1996.
(Accession No. 0000950110-96-000461)



                                 By: /s/  THOMAS C. CASTANO
                                     -------------------------------
                                     Thomas C. Castano
                                     Assistant Secretary
                                     The Prudential Insurance Company of America




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