SEPARATE ACCOUNT I OF WASHINGTON NATIONAL INSURANCE CO, 497J, 1996-05-06

SEPARATE ACCOUNT I OF WASHINGTON NATIONAL INSURANCE CO
497J, 1996-05-06

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   SEPARATE ACCOUNT I OF WASHINGTON NATIONAL INSURANCE COMPANY
                        300 Tower Parkway
               Lincolnshire, Illinois  60069-3665
                         (847) 793-3000

                           May 6, 1996


Via EDGAR Transmission

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


Re:  Separate Account I of Washington National Insurance Company
     (File No. 2-81129) -- Rule 497(j)  Certification

Dear Commissioners:

           In  lieu  of filing with the Commission its definitive
Prospectus and Statement of Additional Information dated  May  1,
1996,  as  otherwise required by Rule 497(c) under the Securities
Act  of  1933 (the "1933 Act"), Separate Account I of  Washington
National Insurance Company hereby certifies that:

          (1)  the form of Prospectus and Statement of Additional
          Information  that  would have  been  filed  under  Rule
          497(c)  would not have differed from that contained  in
          Post-Effective  Amendment No. 16  to  its  registration
          statement  on  Form N-3 under the 1933 Act  ("Amendment
          No.  16"),  as filed with the Commission of  April  29,
          1996; and

          (2)   the text of Amendment No. 16 has been filed  with  
          the Commission electronically.

                              Sincerely,

                              /s/ Barbara A. Cremin

                              Barbara A. Cremin, Vice President
                              Life/Annuity Administration