[JACKSON NATIONAL LIFE INSURANCE COMPANY LETTERHEAD]




April 9, 2009

Securities and Exchange Commission
100 F Street, N.E.
Washington, DC  20549

Re:      Jackson National Separate Account IV (Perspective Investor VUL)
         File Nos. 333-108433 and 811-09933

Dear Commissioners:

Pursuant  to Rule  497(j)  under  the  Securities  Act of 1933 and for the above
registrant and offering of securities, we certify that the form of the prospects
and  Statement  of  Additional  Information  that would  have been  filed  under
paragraph  (c)  does  not  differ  from  that   contained  in  the  most  recent
post-effective  amendment;  and that the text of the most recent  post-effective
amendment was filed electronically.

If you have any questions, please contact me at 517-367-3835.

Respectfully,

ANTHONY L. DOWLING

Anthony L. Dowling
Associate General Counsel