PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT
497J, 1995-05-05
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                                                                     May 5, 1995


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

           Re:  Pruco Life of New Jersey Variable Appreciable Account
                (Registration No. 2-89780)

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. 24 and (ii) that the text of
Post-Effective Amendment No. 24 was filed electronically on April 24, 1995.



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




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