CUNA MUTUAL LIFE VARIABLE ACCOUNT
497J, 2000-05-05
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Kevin S. Thompson
Associate Counsel
Office of General Counsel
Phone:  608.231.8588
Fax:    608.238.2472
E-mail: [email protected]


                                   May 5, 2000

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 May 1, 2000 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.

                                   Sincerely,


                                   /s/Kevin S. Thompson
                                   Kevin S. Thompson
                                   Associate Counsel



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