November 17, 2000
Securities and Exchange Commission
450 Fifth Street NW
Washington DC 20549
RE: Variable Account D of
Fortis Benefits Insurance Company
File No. 333-43886 (Kelmoore)
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 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 (Pre-Effective Amendment
No. 1) filed November 8, 2000.
2) the text of the most recent amendment to the
registration statement has been filed
electronically.
Please contact me at (651) 738-5080 if you have
any questions.
Sincerely,
/s/ David A. Peterson
David A. Peterson
Vice President
Assistant General Counsel
