<PAGE>
May 4, 1999
Securities and Exchange Commission
Filing Desk
450 Fifth Street, N.W.
Washington, D. C. 20549
RE: Peoples Benefit Life Insurance Company Separate Account IV
Vanguard Variable Annuity Plan (33-36073)
Certification Pursuant to Rule 497(j) under the Securities Act of 1933
Dear Sir or Madam:
In lieu of filing the form of prospectus and statement of additional information
for Peoples Benefit Life Insurance Company Separate Account IV - Vanguard
Variable Annuity Plan (the "Registrant"), pursuant to paragraph (c) of Rule 497
under the Securities Act of 1933, the Registrant, certifies that:
1. the form of prospectus and statement of additional information that would
have been filed under paragraph (c) of Rule 497 does not differ from that
contained in post-effective amendment no. 12 to the Registrant's
registration statement on Form N-4, and
2. the text of the Registrant's registration statement on Form N-4 was
submitted for filing with the Securities and Exchange Commission
electronically via EDGAR transmission on April 30, 1999.
If you have any questions or need additional information, please contact me at
502/560-3009.
PEOPLES BENEFIT LIFE INSURANCE COMPANY
SEPARATE ACCOUNT IV (REGISTRANT)
By: Peoples Benefit Life Insurance Company
/s/ Gregory E. Miller-Breetz
- -----------------------------------------
Gregory E. Miller-Breetz
Assistant General Counsel
