VARIFLEX
497J, 2000-05-02
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Security Benefit Life Insurance Company                700 SW Harrison St.
Security Benefit Group, Inc.                           Topeka, Kansas 66636-0001
Security Distributors, Inc.                            (785) 431-3000
Security Management Company, LLC

May 2, 2000


Securities and Exchange Commission
450 Fifth Street, NW
Judiciary Plaza
Washington, DC 20549


Subj:  VARIFLEX
       File Nos.:  2-89328 and 811-3957


Dear Sir or Madam:

In accordance  with the  provisions of Rule 497(j) under the  Securities  Act of
1933,  please  accept this letter as  certification  that the Variflex  Variable
Annuity  Prospectus  and Statement of Additional  Information do not differ from
that contained in Post-Effective  Amendment No. 23 to the Registration Statement
filed under the Securities Act of 1933 and Amendment No. 22 to the  Registration
Statement filed under the Investment  Company Act of 1940.  This  Post-Effective
Amendment was filed electronically on May 1, 2000.

If  you  have  any  questions  concerning  this  filing,  please  contact  me at
(785) 431-3321.

Sincerely,

CHRIS SWICKARD

Chris Swickard
Assistant Vice President and Assistant Counsel
Security Benefit Life Insurance Company


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