KEYNOTE SERIES ACCOUNT /NY/, 497J, 1996-10-30

KEYNOTE SERIES ACCOUNT /NY/
497J, 1996-10-30

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                  [DIVERSIFIED INVESTMENT ADVISORS LETTERHEAD]


October 29, 1996

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


Re:     Keynote Series Account
        Post Effective Amendment No. 14 to Registration
        Statement on form N-4; Registration Nos. 333-19836 and 811-5457

Ladies and Gentlemen:

Pursuant to Rule 497(j) under the Securities Act of 1933, as amended (the "1933
Act"), Diversified Investors Variable Funds hereby certifies that:

1.   the form of prospectus and statement of additional information that would
     have been filed pursuant to Rule 497(c) under the 1933 Act would not have
     differed from that contained in Post Effective Amendment No. 14 to its
     Registration Statement on Form N-4, and

2.   the text of Post Effective Amendment No. 14 to Registration Statement on
     Form N-4 was filed electronically with the Securities and Exchange
     Commission on April 30, 1996.

Very truly yours,

/s/ CATHERINE A. MOHR
- ----------------------
Catherine A. Mohr
Vice President