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NEW ENGLAND LIFE INSURANCE COMPANY
501 Boylston Street
Boston, Massachusetts 02116
(617) 578-2000
AMERICAN GATEWAY SERIES
Supplement dated February 4, 2000
To
Prospectus dated April 30, 1999
For Policies issued in New York, the following special provisions apply:
1. The Death Benefit, described on page A-16 and A-17 of the prospectus, is
payable on receipt of proof that the death of the Insured occurred prior to
the Maturity Date. The Maturity Date is the date when the insured(s) reaches
age 100 (based on a single life or if the joint equal issue age is 100). If
the insured is living on the Maturity Date and the policy is still in force,
the net cash value of the policy will be paid to the policy owner.
2. The section entitled "Premium Payments" on page A-12 of the prospectus
explains requirements that may apply to additional payments. For policies
issued in New York, no additional payment can be less than $10,000.
3. Sales charges will not be reduced or waived for Policies sold in New York to
group or sponsored arrangements. (See "Group or Sponsored Arrangements" on
page A-27 of the prospectus.)
4. The section entitled "Transfer Option" on page A-15 of the prospectus
explains that for transfers we determine are based on market-timing (e.g.
transfers under different Policies that are being requested under Powers of
Attorney with a common attorney-in-fact or that are in our determination
based on the recommendation of a common investment adviser or broker-
dealer), we will only allow one transfer every 30 days. For Policies issued
in New York, this limitation does not apply. In New York, as in all other
states, however, transfers can be made under Powers of Attorney only with
our consent.
