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NEW ENGLAND LIFE INSURANCE COMPANY
501 Boylston Street
Boston, Massachusetts 02116
(617) 578-2000
ZENITH SURVIVORSHIP LIFE PLUS
Supplement dated January 5, 2001
to
Prospectus dated May 1, 2000
For Policies issued in Florida, the following special provisions apply:
1. You can exchange this Policy, while it is in force and before the younger
insured's age 100, for a new policy that 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 fixed life insurance with no further premiums due. The face amount
of the new policy for Survivorship Paid-Up Insurance may be less than the face
amount of this Policy.
2. You may select only the cash value accumulation test as the tax law test
that will apply to the death benefit under the Policy.
3. Unless the Policy is protected by the three year Monthly Minimum Premium
guarantee, if the net cash value on the first day of a policy month is zero or
less, we will mail a premium notice to you at your address on record with us.
If the Amount Due remains unpaid, a 31-day grace period in which to make the
premium payment will begin on the following Monthly Deduction due date. The
Amount Due is the lesser of: a premium large enough to restore the net cash
value sufficiently to cover the Monthly Deduction due and all deductions from
the premium; and a premium large enough to meet the three year Monthly Minimum
Premium test. We will tell you the Amount Due. You have insurance coverage
during the grace period, but if the second insured dies before you have paid
the premium, we deduct from the death proceeds, the Amount Due for the period
before the date of death. If you have not paid the Amount Due by the end of
the 31-day grace period, your Policy will lapse without value.
Please read this supplement and retain it with your prospectus for reference.
VL-156-01
