LIFE & ANNUITY TRUST
Registration Nos. 33-70988; 811-8118
CERTIFICATE PURSUANT TO
17 C.F.R. 230.497(j)
The undersigned hereby certifies on behalf of Life & Annuity Trust (the
"Trust") that the forms of Prospectus and Statement of Additional Information
("SAI") for the Asset Allocation, Growth and Income, Money Market and U.S.
Government Allocation Funds that would have been filed pursuant to 17 C.F.R.
230.497(c) do not differ from the Prospectus and SAI contained in Post-Effective
Amendment No. 4, the most recent amendment to the Trust's Registration Statement
on Form N-1A, the text of which was filed electronically on April 30, 1997.
IN WITNESS WHEREOF, the Trust has caused this certificate to be
executed and witnessed in its name and on its behalf by the undersigned on the
6th day of May, 1997.
Witness: LIFE & ANNUITY TRUST
By: /s/Tammy Garrett By: /s/Richard H. Blank, Jr.
Name: Tammy Garrett Name: Richard H. Blank, Jr.
Title: Administrative Assistant Title: Secretary and Treasurer
(Principal Financial Officer)
