SUPPLEMENT DATED SEPTEMBER 30, 1996
TO PROSPECTUS DATED MAY 1, 1996
WRL FREEDOM WEALTH PROTECTOR(R)
A JOINT SURVIVORSHIP FLEXIBLE PREMIUM
VARIABLE LIFE INSURANCE POLICY
ISSUED BY
WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO
201 HIGHLAND AVENUE
LARGO, FLORIDA 33770
The following modifies the Prospectus dated May 1, 1996, AND APPLIES ONLY TO
POLICIES ISSUED IN THE STATE OF PENNSYLVANIA.
The table of "SURRENDER CHARGE PERCENTAGES" shown under the heading "CHARGES AND
DEDUCTIONS - CONTINGENT SURRENDER CHARGES, (c) SURRENDER CHARGE Percentage",
page 24, is deleted and replaced with the following:
SURRENDER CHARGE PERCENTAGES
Policy Year Issue Ages 20-69 Issue Ages 70-74 Issued Ages 75-80
1 100% 100% 100%
2 100% 100% 96%
3 100% 100% 89%
4 100% 100% 83%
5 100% 95% 77%
6 100% 90% 73%
7 100% 85% 68%
8 100% 80% 65%
9 95% 76% 61%
10 90% 72% 58%
11 80% 68% 55%
12 60% 60% 51%
13 40% 40% 40%
14 20% 20% 20%
15 0% 0% 0%
The first paragraph under the heading "POLICY RIGHTS- POLICY SPLIT OPTION", page
28-29, is revised as follows:
Subject to Western Reserve's evidence of insurability requirements, the
Policyowner may request to split the Policy, not including any riders, and
purchase two permanent individual Fixed Account life insurance policies offered
at the time of the request; one on the life of each Joint Insured.
