PROVIDIAN LIFE & HEALTH INSURANCE CO SEPARATE ACCOUNT I, N-30D, 1999-03-10

PROVIDIAN LIFE & HEALTH INSURANCE CO SEPARATE ACCOUNT I
N-30D, 1999-03-10

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<PAGE>
 
March 10, 1999


VIA EDGAR
 

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

Re:  Peoples Benefit Life Insurance Company Separate Account I -
     Pacer Choice
     File No.33-7034, 811-4733, CIK 796524
     Rule 30b2-1 Filing
 
Commissioners:

As required by Rule 30d-2 under the Investment Company Act of 1940, as amended
(the "Act"), Peoples Benefit Life Insurance Company Separate Account I, a unit
investment trust registered under the Act, mailed to its contract owners the
annual report for the Variable Insurance Products Fund.  This filing constitutes
the filing of this report as required by Rule 30b2-1 under the Act.

Pursuant to Rule 30d-1 under the Act, on February 19, 1999, Variable Insurance
Products Fund filed its annual report with the Commission via EDGAR (CIK:
356494).  To the extent necessary, this filing is incorporated herein by
reference.

Very truly yours,

/s/ Gregory E. Miller-Breetz

Gregory E. Miller-Breetz
Assistant General Counsel