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NEW ENGLAND LIFE INSURANCE COMPANY
501 Boylston Street
Boston, Massachusetts 02116
(617) 578-2000
ZENITH SURVIVORSHIP LIFE PLUS
Supplement dated October 26, 2000
to
Prospectus dated May 1, 2000
For Policies issued in New York, the following special provisions apply:
1. The Policy fee is described on page A-15 of the prospectus. For policies
issued in New York, the extra amount in the first three Policy years is called
the Acquisition Policy Fee.
2. The maximum basic monthly Administrative Charge is described on page A-
15 of the prospectus. For policies issued in New York, the extra amount in the
first three Policy years is called the Acquisition Administrative Charge.
3. The Surrender Charge in the first Policy year is 90% of the Benchmark
Premium for insureds with an average issue age of 52 or less.
4. Policies issued in New York are not contestable after they have been in
force for two years or after the death of one of the insureds, if earlier.
5. We will not allow changes in the Death Benefit Option or decreases in
the Face Amount during the Grace Period.
6. You can exchange this Policy, while it is in force and before the
younger insured's age 100, for a new Policy which provides survivorship Paid-
Up Insurance. Survivorship Paid-Up Insurance will be provided by using the net
cash value of the Policy as a net single premium at the age of the younger
insured on the date of the exchange. Survivorship Paid-Up Insurance is
permanent life insurance with no further premiums due.
7. You can exchange the face amount of your Policy for a fixed benefit
survivorship life insurance policy provided that you repay any policy loans
and (1) the Policy has not lapsed and (2) the exchange is made within 24
months after the Policy's issue date. If you exercise this option, you will
have to make up any investment loss you had under the variable life insurance
policy. We make the exchange without evidence of insurability. The new policy
will have the same face amount as that being exchanged. The new policy will
have the same issue age, underwriting class and policy date as the variable
life policy had. We will attach any riders to the original Policy to the new
policy if they are available.
8. The Policy will mature at age 100 of the younger insured for the net
cash value. The Guaranteed Death Benefit Rider terminates at age 100 of the
younger insured.
9. For policies issued in New York, the Survivorship Level Term Insurance
Rider is available only as "Outside Term." You cannot choose to have both the
Guaranteed Death Benefit Rider and the Survivorship Level Term Insurance
Rider. (Please refer to section Term Rider "In" or "Out" on page A-9 of the
prospectus.)
VL-150-00
