Kevin S. Thompson
Associate Counsel
Office of General Counsel
Phone: 608.231.8588
Fax: 608.238.2472
E-mail: kevin.thompson@cunamutual
November 2, 1999
VIA EDGAR TRANSMISSION
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549
Re: CUNA Mutual Life Variable Account (File No. 333-81499)
Dear Commissioners:
I hereby certify that pursuant to Rule 497(j) of the Securities Act of 1933, the
form of prospectus dated November 2, 1999 that would have been filed under
paragraph (c) of Rule 497 does not differ from that contained in the most recent
amendment of the above-captioned registration statement filed. In addition, I
certify that the text of the registrant's most recent post-effective amendment
was filed electronically via EDGAR.
If you have any questions regarding this certification, please call the
undersigned at (608) 231-8588 or David S. Goldstein at (202) 383-0606.
Sincerely,
/s/ Kevin S. Thompson
Kevin S. Thompson
Associate Counsel
cc: David S. Goldstein
