AMERICAN GENERAL LIFE INSURANCE CO SEPARATE ACCOUNT D
497J, 1999-07-15
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American
     General
     LIFE COMPANIES
2929 Allen Parkway, Houston, Texas 77019
                                   Pauletta P. Cohn
                                   Associate General Counsel
                                   Direct Line (713) 831-8471
                                   FAX  (713) 831-1106
                                   E-mail: [email protected]



                       July 15, 1999

BY EDGAR

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


      Re:  American General Life Insurance Company
               Separate Account D ("Registrant")
           Product:  WM Advantage Variable Annuity
           File Nos:  033-57730 and 811-02441
           CIK No. 0000089031


Dear Ladies and Gentlemen:

      I am writing this letter as Associate General Counsel of
American General Life Companies and counsel to American General
Life Insurance Company, as the depositor of the Registrant and
on behalf of the Registrant.

      Pursuant to Rule 497(j) under the Securities Act of 1933
("1933 Act"), Registrant has elected to file the certification
set out below in lieu of electronically filing definitive copies
of the prospectus and statement of additional information contained
in its most recent amendment to its Form N-4 Registration Statement
("Amendment"), as required by Rule 497(c) under the 1933 Act and as
provided by Rule 309(b) of Regulation S-T.

      Registrant hereby certifies that:

      (1)  the form of prospectus and statement of additional
           information that would have been filed under paragraph
           (c) of Rule 497 under the 1933 Act following the filing
           of the Amendment would not have been different from that
           contained in the Amendment, and

<PAGE>

      (2)  the Amendment, which is designated as Post-Effective
           Amendment No. 9 under the 1933 Act and as Amendment
           No. 78 under the Investment Company Act of 1940, was
           filed electronically on July 6, 1999.


      Please direct any inquiry regarding the foregoing to the
undersigned at (713) 831-8471.


                                    Very truly yours,
                                    /s/ Pauletta P. Cohn




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