SEPARATE ACCOUNT VA 1 OF TRANSAMERICA LIFE INS & ANNUITY CO
N-30D, 1996-08-02
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August 5, 1996



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

Re:  Transamerica Life Insurance and Annuity Company and Transamerica Life
      SeparateAccount VA-1 (File No. 33-10914)

Dear Commissioner:

On behalf of Transamerica  Life Insurance and Annuity  Company and Transamerica
Life Separate  Account VA-1 ("separate  account"), incorporated by reference is
the semi-annual report of the underlying fund, American Funds'American Variable
Insurance  Series  for  filing  with the  Securities  and  Exchange Commission,
pursuant to Rule 30b2-1 under the Investment Company Act of 1940 ("Act").

     Filer:         American Variable Insurance Series
     File #:   811-03857
     Accession #:   729528-96-14
     CIK #:    729528
     Filing Date:   August 1, 1996

This  semi-annual report is for the period  ending May 31,  1996, and has been
transmitted to contract holders in accordance with Rule 30d-2 under the Act.

If you have any questions  regarding  the enclosed  report,  please contact the
undersigned at (213) 742-3126.

Very truly yours,



Susan Vivino
Paralegal

cc:  R. Fink



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