PROVIDIAN LIFE & HEALTH INSURANCE CO SEPARATE ACCOUNT IV
N-30D, 1998-08-17
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August 17, 1998


VIA EDGAR

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

Re:  Providian Life & Health Insurance Company Separate Account IV
     File No. 33-36073, 811-6144, CIK 0000866252
     Rule 30b2-1 Filing

Commissioners:

As required by Rule 30d-2 under the Investment Company Act of 1940, as amended 
(the "Act"), Providian Life & Health Insurance Company Separate Account IV, a 
unit investment trust registered under the Act, mailed to its contract owners 
the annual report for the Vanguard Variable Insurance Fund. This filing 
constitutes the filing of this report as required by Rule 30b2-1 under the Act.

Pursuant to Rule 30d-1 under the Act, on December 5, 1997, Vanguard Variable 
Insurance Fund filed its annual report with the Commission via EDGAR 
(CIK:000085749). To the extent necessary, this filing is incorporated herein by 
reference.

Very truly yours,

/s/ Gregory E. Miller-Breetz
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Gregory E. Miller-Breetz
Assistant General Counsel



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