MONARCH LIFE INSURANCE COMPANY SEPARATE ACCOUNT VA
24F-2NT, 1998-02-27
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                                     [Logo]
                         MONARCH LIFE INSURANCE COMPANY


February 24, 1998


Securities and Exchange Commission
450 Fifth Street, NW
Washington, DC 20549

Re:    Rule 24f-2 Notice for Monarch Life Insurance Company Separate Account VA
       Registration File No. 811-5533

Gentlemen:

(i)    The fiscal year for which this notice is filed is twelve months ending
       December 31, 1997.

(ii)   There were no securities which had been registered under the Securities
       Act of 1933 other than pursuant to this section but which remained unsold
       at the beginning of the fiscal year.

(iii)  There were no securities registered during such fiscal year other than
       pursuant to this section.

(iv)   0 policies were sold during 1997 with aggregate annual premiums
       transferred of $8,137*.

(v)    0 policies were sold during 1997 with aggregate annual premiums
       transferred of $8,137 in reliance upon registration pursuant to this
       section.

* The filing fee is based on $8,137 in total aggregate subscription less
$2,217,488 in total aggregate redemptions. The net total aggregate subscriptions
amount to $(2,209,351).

Attached hereto is an opinion of counsel as required. The $100 minimum filing
fee will be made via electronic funds transfer.

Sincerely,           
/s/ Atilla Aritan
Atilla Aritan 
Vice President and Assistant Treasurer
 
     One Monarch Place  o    Springfield, MA 01133    o    413-784-2000


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                                     [Logo]
                         MONARCH LIFE INSURANCE COMPANY



February 24, 1998


Securities and Exchange Commission
450 Fifth Street, NW
Washington, DC 20549

Re:    Rule 24f-2 Notice for Monarch Life Insurance Company Separate Account VA
       Registration File No. 811-5533

Gentlemen:

It is my opinion that the securities issued in accordance with the captioned
filing and which this notice makes definite in number were legally issued, fully
paid and are non-assessable.



MONARCH LIFE INSURANCE COMPANY

By  /s/ John S. Cole 
    ----------------------------------------------------
    Senior Vice President, General Counsel and Secretary



     One Monarch Place  o    Springfield, MA 01133    o    413-784-2000





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