ACACIA NATIONAL VARIABLE LIFE INSURANCE SEPARATE ACCOUNT 1
497J, 2000-05-17
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<PAGE>   1
[THE ACACIA
 GROUP LOGO]         7315 Wisconsin Avenue * Bethesda, MD 20814 * (301) 280-1000
- --------------------------------------------------------------------------------


May 17, 2000
                                                TRANSMITTED VIA EDGAR ON 5/17/00

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

Attention: Filing Desk

RE:    ACACIA NATIONAL LIFE INSURANCE COMPANY (DEPOSITOR)
       ACACIA NATIONAL VARIABLE LIFE INSURANCE SEPARATE ACCOUNT I (REGISTRANT)
       FILE NO. 333-95593
       RULE 497(j) CERTIFICATION

Dear Madam or Sir:

In lieu of filing with the Securities and Exchange Commission ("SEC") the
definitive prospectus dated May 11, 2000, for Acacia National Variable Life
Insurance Separate Account I ("Separate Account I"), File No. 333-95593, as
otherwise required by Rule 497(b) under the Securities Act of 1933, Acacia
National Life Insurance Company, on behalf of Separate Account I, hereby
certifies that:

       1. The form of prospectus that would have been filed under Rule 497(b)
       would not have differed from that contained in Pre-Effective Amendment
       No. 1 to Separate Account I's registration statement for File No.
       333-95593 on Form S-6 filed with the SEC April 28, 2000; and

       2. The text of Pre-Effective Amendment No. 1 to Separate Account I's
       registration statement for File No. 333-95593 on Form S-6 has been filed
       electronically via EDGAR.

If you have any questions or comments concerning this filing, please contact me
at 301-280-1035.

Sincerely,

/s/ Robert-John H. Sands
- ------------------------
Robert-John H. Sands
Senior Vice President, Corporate Secretary and General Counsel




          Acacia Mutual Holding Corporation * Acacia Financial Group, Ltd. *
          Acacia Life Insurance Company * Acacia National Life Insurance Company

          Acacia Financial Corporation * Calvert Group, Ltd, * Acacia Federal
          Savings Bank * Enterprise Resources, LLC * Acacia Realty Corporation *
          The Advisors Group, Inc.

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          NATIONAL HEADQUARTERS, Washington, DC



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