SEPARATE ACCOUNT ONE OF NORTHERN LIFE INSURANCE CO
497J, 1997-08-08
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August 8, 1997


U.S. Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549-1004

Attn:  Filing Desk, Stop 1-4

Re:  Post-Effective  Amendment  No.  4 to Form  N-4  Registration  Statement  of
     Separate  Account of Northern  Life  Insurance  Company  Registration  Nos.
     33-90474 and 811-9002

Dear Sir or Madam:

In accordance  with the  provisions  of  Securities  Act Rule 497(j) this letter
serves to certify that the most recent amendment to the  registration  statement
on Form N-4 for the above  captioned  Registrant does not differ from that which
would have been filed pursuant to Rule 497(c) of the Securities  Act.  Amendment
No. 4 to the registration statement,  which was the most recent amendment to the
registration  statement,  was filed electronically with the Commission on August
4, 1997, and will became effective on August 8, 1997.

Sincerely,



By: /s/James E. Nelson
    ------------------
       James E. Nelson
       Counsel



JEN:kfl



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