Rule 497(e)
                                                           File Number: 033-3446

                                   LIFE inVEST

                                   Offered by

                     Charter National Life Insurance Company
                                   through the
                        Charter National Variable Account

                       Supplement Dated December 21, 1999
                                     to the
                          Prospectus Dated May 1, 1990


The Customer Service address and telephone number should be deleted and replaced
with the new  Customer  Service  center  information  on the first  page of your
Prospectus as follows:

     Effectively  immediately,  the new Customer  Service  address and telephone
number are as follows:

         New mailing address:       P.O. Box 80469
                                    Lincoln, NE 68501-0469

         Overnight address:         206 S. 13th Street, Suite 100
                                    Lincoln, NE 68508

         Fax number:                (402) 328-6106

         Telephone number:          (800) 325-8405








                                      * * *

                This Supplement must be read in conjunction with
                               the Prospectus for
             the Charter National Variable Account dated May 1, 1990



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