PFL ENDEAVOR VARIABLE ANNUITY ACCOUNT /NEW/
N-30D, 1998-09-10
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            [LETTERHEAD OF PFL LIFE INSUANCE COMPANY APPEARS HERE]


September 10, 1998



VIA EDGAR
- --------- 

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

Re:  PFL Endeavor Variable Annuity Account
     File No. 811-06032, CIK 0000859607
     Rule 30b2-1 Filing
 
Commissioners:

As required by Rule 30d-2 under the Investment Company Act of 1940, as amended
(the "Act"), PFL Endeavor Variable Annuity Account, a unit investment trust
registered under the Act, recently mailed to its contract owners the semi-annual
report for the following underlying management investment companies:  Endeavor
Series Trust, Merrill Lynch Variable Series Funds, Inc., and WRL Series Fund,
Inc.  This filing constitutes the filing of those reports as required by Rule
30b2-1 under the Act.

Pursuant to Rule 30d-1 under the Act, on August 28, 1998, Endeavor Series Trust
filed its semi-annual report with the Commission via EDGAR (CIK: 847254),  on
August 19, 1998, Merrill Lynch Variable Series Funds, Inc. filed its semi-annual
report with the Commission via EDGAR (CIK: 355916), and on August 25, 1998, WRL
Series Fund, Inc. filed its semi-annual report with the Commission via EDGAR
(CIK: 778207).  To the extent necessary, these filings are incorporated herein
by reference.

Very truly yours,

PFL Life Insurance Company

/s/  Frank A.Camp

Frank A. Camp
Division General Counsel
Financial Markets Division


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