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<PAGE> 1
SUPPLEMENT DATED NOVEMBER 1, 1998
TO PROSPECTUS DATED MAY 1, 1998
THE FOLLOWING IS TO REPLACE THE SECOND AND THIRD SENTENCES OF THE PARAGRAPH
ENTITLED "AVAILABILITY OF POLICY" ON PAGE 5 OF YOUR PROSPECTUS:
The Minimum Face Amount is $50,000 ($100,000 for Preferred Risks).
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