SUPPLEMENT DATED JANUARY 2, 1998
TO
PROSPECTUS DATED JANUARY 1, 1998
WRL FINANCIAL FREEDOM BUILDER (SM)
THE FOLLOWING INFORMATION MODIFIES THE INFORMATION PROVIDED IN THE FIRST
PARAGRAPH ON PAGE 21 OF THE PROSPECTUS UNDER THE HEADING "PAYMENT AND ALLOCATION
OF PREMIUMS - ISSUANCE OF A POLICY":
The zip code for the purchase of new applications for P.O. Box 628069, Orlando,
Florida and P.O. Box 628078, Orlando, Florida is 32862.
THE FOLLOWING INFORMATION MODIFIES THE INFORMATION PROVIDED ON PAGE 22 UNDER THE
HEADING "PAYMENT AND ALLOCATION OF PREMIUMS - PAYMENT OF PREMIUMS":
The second full paragraph under this heading regarding sending payments to the
Post Office Box is deleted.
WRL00191-01/98
