PRUCO LIFE INSURANCE CO VARIABLE APPRECIABLE ACCOUNT
497J, 1996-05-07
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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: Pruco Life Variable Appreciable Account
                  (Registration No. 2-89558)

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(b) would not have differed from the Prospectus
contained in Post-Effective Amendment No. 25 and (ii) that the text of
Post-Effective Amendment No. 25 was filed electronically on April 25, 1996.
(Accession No. 0000950110-96-000442)



                                     By: /s/  THOMAS C. CASTANO
                                         -------------------------------------
                                         Thomas C. Castano
                                         Assistant Secretary
                                         Pruco Life Insurance Company


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