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General American Life Insurance Company
700 Market Street
St. Louis, MO 63101
Direct Dial (314) 444-0647
Fax # (314) 444-0510
7 May 1999
Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, DC 20549
Re: General American Life Insurance Company
Separate Account Eleven - VUL 95
Post-Effective Amendment No. 15
File Nos. 33-10146 & 811-4901
Ladies and Gentlemen:
Pursuant to Rule 497(j) of the Securities Act of 1933, as amended (the
"Securities Act"), General American Life Insurance Company Separate
Account Eleven -- VUL-95 (the "Registrant") hereby certifies that: (i)
the form of Prospectus that would have been filed under Rule 497(b) of
the Securities Act would not have differed from that contained in Post-
Effective Amendment No. 15 to the Registrant's Registration Statement,
and (ii) the text of Post-Effective Amendment No. 15 was filed
electronically via EDGAR.
If you have any questions regarding this filing, please call me at (314)
444-0647.
Very truly yours,
/s/ Matthew P. McCauley
Matthew P. McCauley
