ING

                                             May 1, 2003

Securities and Exchange Commission
450 Fifth Street, NW
Washington, DC  20549


          Re:  Separate Account B of Golden American Life
               Insurance Company
               EDGAR CIK: 0000836687
               File Nos. 333-57218, 811-05626
               Certification pursuant to Rule 497(j)
               of the Securities Act of 1933, as amended (the "1933 Act")
               ----------------------------------------------------------

Ladies and Gentlemen:

     Please be advised that in lieu of filing a copy of the SmartDesign VARIABLE
ANNUITY prospectus and Statement of Additional  Information under Rule 497(c) of
the 1933  Act for  certain  deferred  combination  variable  and  fixed  annuity
contracts,  we hereby certify the following  pursuant to Rule 497(j) of the 1933
Act:

     (1) The form of the prospectus and Statement of Additional Information that
would have been filed under Rule 497(c) of the 1933 Act would not have  differed
from that contained in the most recent registration statement or amendment, and

     (2) The text of the most recent  registration  statement or  amendment  has
been filed electronically.

     If you have any questions,  comments,  or need more information,  please do
not hesitate to contact the undersigned at (610) 425-4139.


                              Sincerely,


                              /s/ Linda E. Senker
                              -----------------------
                              Linda E. Senker
                              Counsel




1475 Dunwoody Drive             SMARTDESIGN
West Chester, PA  19380-1478    Issued by Golden American Life
                                 Insurance Company

                                Tel:  (610) 425-4139
                                Fax:  (610) 425-3520