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NEW ENGLAND LIFE INSURANCE COMPANY
501 Boylston Street
Boston, Massachusetts 02116
(617) 578-2000
ZENITH SURVIVORSHIP LIFE
Supplement dated December 6, 1999
to
Prospectus dated April 30, 1999
For Policies issued in New Jersey, the following special provisions apply:
1. Minimum Guaranteed Death Benefit 1 and 2, described on pages A-12 and A-
13 of the prospectus, may apply while a Policy loan is outstanding. When we
test whether one of these benefits applies, we subtract the amount of the loan
plus accrued interest from the total premiums paid.
2. The following is added to page A-25 of the prospectus in the section
entitled "Premiums-Flexible Premiums": "Under Policies issued in New Jersey,
if you have met the requirements for the three-year Minimum Premium death
benefit guarantee at the end of three year guarantee period, the Minimum
Premium death benefit guarantee will continue to apply during the fourth
Policy year as long as (a) payments made during that Policy year, less partial
surrenders and loans made in that year, equal (b) the guaranteed maximum
Policy charges plus the applicable Surrender Charge for the fourth Policy
Year. In addition, under Policies issued in New Jersey, if at the end of the
period for Minimum Guaranteed Death Benefit 2 you have met the requirements
for that guarantee, the guarantee will continue to apply during the next
Policy year as long as (a) payments made during that Policy year, less partial
surrenders and loans made in that year, equal (b) the guaranteed maximum
Policy charges for that Policy year. If you make a Policy transaction that
changes the amount of the guaranteed maximum Policy charges for the year, then
the amount you need to pay in order to preserve the death benefit guarantee
for an extra Policy year may change accordingly."
3. The sections "Death Proceeds Payable" and "Lapse and Reinstatement" on
pages A-14 and A-25 of the prospectus explain that if the second insured dies
during the grace period, we deduct from the death proceeds the unpaid Monthly
Deduction for the period up to the date of death. For Policies issued in New
Jersey, the amount we deduct will be the least of: the Monthly Deduction to
the date of death; a premium large enough to permit Minimum Guaranteed Death
Benefit 1 to be in effect; a premium large enough to permit Minimum Guaranteed
Death Benefit 2 to be in effect; and a premium large enough to permit the
three year Minimum Premium death benefit guarantee to be in effect.
In addition, the section "Lapse and Reinstatement" describes what happens
when a Policy is in default. For Policies issued in New Jersey, the amount you
must pay within the grace period to prevent lapse of your Policy is the least
of: a premium large enough to cover the Monthly Deduction and all deductions
from the premium; a premium large enough to permit Minimum Guaranteed Death
Benefit 1 to be in effect, a premium large enough to permit Minimum Guaranteed
Death Benefit 2 to be in effect; and a premium large enough to permit the
three year Minimum Premium death benefit guarantee to be in effect.
4. Your Policy provides that you can make 12 transfers between sub-accounts
and/or the Fixed Account each Policy year. (Transfers out of the Fixed Account
do not count against this limit.) (See "Transfer Option" on page A-29.)
5. Policies issued in New Jersey may not be backdated. (See "Amount Provided
for Investment under the Policy" on pages A-15 and A-16.)
(over)
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6. In the event of the suicide of an insured, we will issue a single life
variable life insurance policy on the surviving insured, regardless of that
insured's current age or insurability. It is not necessary for the insured to
request the new policy. (See "Suicide" on page A-38.)
7. An insured's risk class may not be improved from smoker to nonsmoker
during the first two Policy years.
VL-136-99
