COVA VARIABLE ANNUITY ACCOUNT FIVE
497J, 2000-07-07
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Blazzard, Grodd & Hasenauer, P.C.
943 Post Road East
Westport, CT 06880
(203) 226-7866

VIA EDGAR

July 7, 2000

Securities and Exchange Commission
Division of Investment Management
Office of Insurance Products
450 Fifth Street, N.W.
Washington, DC 20549

Re:  Cova Variable Annuity Account Five
     File No. 333-34817
     ----------------------------------------------

Ladies and Gentlemen:

Pursuant to Securities Act Rule 497(j),  we hereby certify that the Statement of
Additional Information dated May 1, 2000, which would have been filed under Rule
497(c) does not differ from the Statement of Additional Information contained in
the most  recent  Post-Effective  Amendment,  which  Amendment  has  been  filed
electronically.

Please  contact the  undersigned  with any  questions  or comments  you may have
concerning the enclosed.

Sincerely,

BLAZZARD, GRODD & HASENAUER, P.C.


By: /s/ RAYMOND A. O'HARA III
    ------------------------------
        Raymond A. O'Hara III


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