FORTIS
Securities and Exchange Commission
450 Fifth Street NW
Washington DC 20549
RE: Variable Account D of
Fortis Benefits Insurance Company
File No. 33-19421 (Opportunity)
CIK No. 0000826723
Pursuant to Rule 497(j) under the Securities Act of 1933,
Fortis Benefits Insurance Company, on behalf of Separate
Account D, certifies that:
1) the form of Prospectus and Statement of Additional
Information that would have been filed under paragraph
(c) of Rule 497 would not have differed from that
contained in the most recent amendment to the
registration statement of the Separate Account (Post
Effective Amendment No. 14) filed April 30, 1996; and
2) the text of the most recent amendment to the
registration statement has been filed electronically.
Please contact me at 612-738-5080 if you have any
questions.
Sincerely,
/s/ David A. Peterson
David A. Peterson
Vice President and Assistant General Counsel
Fortis Benefits Insurance Company
P. O. Box 64271
St. Paul MN 55164
(612) 738-4000
(800) 800-2638
