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<PAGE> PAGE 2
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<PAGE> PAGE 3
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<PAGE> PAGE 4
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<PAGE> PAGE 5
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<PAGE> PAGE 6
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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 9
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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<PAGE> PAGE 22
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<PAGE> PAGE 23
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050 000500 N
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<PAGE> PAGE 24
054 C000500 Y
054 D000500 N
054 E000500 N
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054 G000500 Y
054 H000500 Y
054 I000500 Y
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054 O000500 N
055 A000500 Y
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056 000500 Y
057 000500 N
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<PAGE> PAGE 25
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<PAGE> PAGE 26
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<PAGE> PAGE 27
031 B000600 0
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<PAGE> PAGE 28
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<PAGE> PAGE 29
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<PAGE> PAGE 30
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<PAGE> PAGE 31
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<PAGE> PAGE 32
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<PAGE> PAGE 33
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<PAGE> PAGE 34
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<PAGE> PAGE 35
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<PAGE> PAGE 36
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<PAGE> PAGE 37
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<PAGE> PAGE 38
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<PAGE> PAGE 39
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<PAGE> PAGE 40
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<PAGE> PAGE 41
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<PAGE> PAGE 42
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074 M000900 0
074 N000900 11385
074 O000900 0
074 P000900 3
074 Q000900 0
074 R010900 0
074 R020900 0
074 R030900 0
074 R040900 21
074 S000900 0
074 T000900 11361
074 U010900 798
074 U020900 36
074 V010900 13.62
074 V020900 13.61
074 W000900 0.0000
074 X000900 309
074 Y000900 534
075 A000900 0
075 B000900 10786
076 000900 0.00
024 001000 N
028 A011000 248
028 A021000 60
028 A031000 0
028 A041000 240
028 B011000 55
028 B021000 60
028 B031000 0
028 B041000 198
028 C011000 175
028 C021000 59
<PAGE> PAGE 43
028 C031000 0
028 C041000 118
028 D011000 310
028 D021000 58
028 D031000 0
028 D041000 8
028 E011000 64
028 E021000 59
028 E031000 0
028 E041000 156
028 F011000 178
028 F021000 120
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028 F041000 47
028 G011000 1030
028 G021000 416
028 G031000 0
028 G041000 767
028 H001000 807
029 001000 Y
030 A001000 73
030 B001000 6.25
030 C001000 0.00
031 A001000 21
031 B001000 0
032 001000 6
033 001000 45
034 001000 Y
035 001000 3
036 A001000 N
036 B001000 0
037 001000 N
038 001000 0
039 001000 N
040 001000 Y
041 001000 Y
042 A001000 0
042 B001000 0
042 C001000 100
042 D001000 0
042 E001000 0
042 F001000 0
042 G001000 0
042 H001000 0
043 001000 66
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045 001000 Y
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047 001000 Y
048 001000 0.000
048 A011000 250000
<PAGE> PAGE 44
048 A021000 0.750
048 B011000 250000
048 B021000 0.720
048 C011000 250000
048 C021000 0.690
048 D011000 0
048 D021000 0.000
048 E011000 0
048 E021000 0.000
048 F011000 0
048 F021000 0.000
048 G011000 0
048 G021000 0.000
048 H011000 0
048 H021000 0.000
048 I011000 0
048 I021000 0.000
048 J011000 0
048 J021000 0.000
048 K011000 750000
048 K021000 0.660
049 001000 N
050 001000 N
051 001000 N
052 001000 N
053 A001000 Y
053 B001000 Y
053 C001000 N
054 A001000 Y
054 B001000 Y
054 C001000 Y
054 D001000 N
054 E001000 N
054 F001000 Y
054 G001000 Y
054 H001000 Y
054 I001000 Y
054 J001000 Y
054 K001000 N
054 L001000 Y
054 M001000 Y
054 N001000 N
054 O001000 N
055 A001000 N
055 B001000 N
056 001000 Y
057 001000 N
058 A001000 N
059 001000 Y
060 A001000 Y
060 B001000 Y
<PAGE> PAGE 45
061 001000 1000
062 A001000 Y
062 B001000 0.0
062 C001000 0.0
062 D001000 0.0
062 E001000 0.0
062 F001000 0.0
062 G001000 0.0
062 H001000 0.0
062 I001000 0.0
062 J001000 0.0
062 K001000 0.0
062 L001000 0.0
062 M001000 0.0
062 N001000 0.0
062 O001000 97.8
062 P001000 0.0
062 Q001000 0.0
062 R001000 0.0
063 A001000 0
063 B001000 13.5
064 A001000 Y
064 B001000 N
071 A001000 6324
071 B001000 4979
071 C001000 19653
071 D001000 25
072 A001000 12
072 B001000 1074
072 C001000 0
072 D001000 0
072 E001000 0
072 F001000 150
072 G001000 0
072 H001000 0
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072 J001000 4
072 K001000 0
072 L001000 3
072 M001000 1
072 N001000 0
072 O001000 1
072 P001000 0
072 Q001000 0
072 R001000 6
072 S001000 7
072 T001000 66
072 U001000 0
072 V001000 0
072 W001000 7
072 X001000 262
<PAGE> PAGE 46
072 Y001000 76
072 Z001000 888
072AA001000 90
072BB001000 0
072CC011000 186
072CC021000 0
072DD011000 760
072DD021000 122
072EE001000 0
073 A011000 0.6030
073 A021000 0.4960
073 B001000 0.0000
073 C001000 0.0000
074 A001000 91
074 B001000 0
074 C001000 0
074 D001000 20450
074 E001000 0
074 F001000 0
074 G001000 0
074 H001000 0
074 I001000 0
074 J001000 0
074 K001000 0
074 L001000 398
074 M001000 0
074 N001000 20939
074 O001000 0
074 P001000 10
074 Q001000 0
074 R011000 0
074 R021000 0
074 R031000 0
074 R041000 12
074 S001000 0
074 T001000 20917
074 U011000 1305
074 U021000 261
074 V011000 13.36
074 V021000 13.35
074 W001000 0.0000
074 X001000 661
074 Y001000 960
075 A001000 0
075 B001000 19978
076 001000 0.00
024 001100 N
028 A011100 254
028 A021100 49
028 A031100 0
028 A041100 172
<PAGE> PAGE 47
028 B011100 549
028 B021100 49
028 B031100 0
028 B041100 383
028 C011100 175
028 C021100 48
028 C031100 0
028 C041100 57
028 D011100 272
028 D021100 48
028 D031100 0
028 D041100 294
028 E011100 429
028 E021100 49
028 E031100 0
028 E041100 132
028 F011100 337
028 F021100 195
028 F031100 0
028 F041100 290
028 G011100 2016
028 G021100 438
028 G031100 0
028 G041100 1328
028 H001100 1870
029 001100 Y
030 A001100 130
030 B001100 6.25
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031 B001100 0
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033 001100 59
034 001100 Y
035 001100 2
036 A001100 N
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037 001100 N
038 001100 0
039 001100 N
040 001100 Y
041 001100 Y
042 A001100 0
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042 C001100 100
042 D001100 0
042 E001100 0
042 F001100 0
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043 001100 58
<PAGE> PAGE 48
044 001100 0
045 001100 Y
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047 001100 Y
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048 A021100 0.750
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048 H021100 0.000
048 I011100 0
048 I021100 0.000
048 J011100 0
048 J021100 0.000
048 K011100 750000
048 K021100 0.660
049 001100 N
050 001100 N
051 001100 N
052 001100 N
053 A001100 Y
053 B001100 Y
053 C001100 N
054 A001100 Y
054 B001100 Y
054 C001100 Y
054 D001100 N
054 E001100 N
054 F001100 Y
054 G001100 Y
054 H001100 Y
054 I001100 Y
054 J001100 Y
054 K001100 N
054 L001100 Y
054 M001100 Y
054 N001100 N
054 O001100 N
055 A001100 N
055 B001100 N
<PAGE> PAGE 49
056 001100 Y
057 001100 N
058 A001100 N
059 001100 Y
060 A001100 Y
060 B001100 Y
061 001100 1000
062 A001100 Y
062 B001100 0.0
062 C001100 0.0
062 D001100 0.0
062 E001100 0.0
062 F001100 0.0
062 G001100 0.0
062 H001100 0.0
062 I001100 0.0
062 J001100 0.0
062 K001100 0.0
062 L001100 0.0
062 M001100 0.0
062 N001100 0.0
062 O001100 98.8
062 P001100 0.0
062 Q001100 0.0
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064 A001100 Y
064 B001100 N
071 A001100 12913
071 B001100 11048
071 C001100 25253
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072 J001100 4
072 K001100 0
072 L001100 3
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072 Q001100 0
072 R001100 8
<PAGE> PAGE 50
072 S001100 6
072 T001100 58
072 U001100 0
072 V001100 0
072 W001100 7
072 X001100 298
072 Y001100 85
072 Z001100 1152
072AA001100 131
072BB001100 0
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072CC021100 0
072DD011100 1115
072DD021100 32
072EE001100 131
073 A011100 0.6130
073 A021100 0.5050
073 B001100 0.0680
073 C001100 0.0000
074 A001100 5
074 B001100 0
074 C001100 0
074 D001100 26420
074 E001100 0
074 F001100 0
074 G001100 0
074 H001100 0
074 I001100 0
074 J001100 0
074 K001100 0
074 L001100 405
074 M001100 0
074 N001100 26830
074 O001100 0
074 P001100 12
074 Q001100 0
074 R011100 0
074 R021100 0
074 R031100 0
074 R041100 87
074 S001100 0
074 T001100 26731
074 U011100 1881
074 U021100 62
074 V011100 13.75
074 V021100 13.75
074 W001100 0.0000
074 X001100 652
074 Y001100 1282
075 A001100 0
075 B001100 25712
<PAGE> PAGE 51
076 001100 0.00
024 001200 N
028 A011200 387
028 A021200 29
028 A031200 0
028 A041200 59
028 B011200 256
028 B021200 29
028 B031200 0
028 B041200 512
028 C011200 43
028 C021200 29
028 C031200 0
028 C041200 220
028 D011200 98
028 D021200 30
028 D031200 0
028 D041200 167
028 E011200 413
028 E021200 30
028 E031200 0
028 E041200 94
028 F011200 232
028 F021200 62
028 F031200 0
028 F041200 118
028 G011200 1429
028 G021200 209
028 G031200 0
028 G041200 1170
028 H001200 879
029 001200 Y
030 A001200 77
030 B001200 6.25
030 C001200 0.00
031 A001200 15
031 B001200 0
032 001200 53
033 001200 9
034 001200 Y
035 001200 11
036 A001200 N
036 B001200 0
037 001200 N
038 001200 0
039 001200 N
040 001200 Y
041 001200 Y
042 A001200 0
042 B001200 0
042 C001200 100
<PAGE> PAGE 52
042 D001200 0
042 E001200 0
042 F001200 0
042 G001200 0
042 H001200 0
043 001200 42
044 001200 0
045 001200 Y
046 001200 N
047 001200 Y
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048 A011200 250000
048 A021200 0.750
048 B011200 250000
048 B021200 0.720
048 C011200 250000
048 C021200 0.690
048 D011200 0
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048 E011200 0
048 E021200 0.000
048 F011200 0
048 F021200 0.000
048 G011200 0
048 G021200 0.000
048 H011200 0
048 H021200 0.000
048 I011200 0
048 I021200 0.000
048 J011200 0
048 J021200 0.000
048 K011200 750000
048 K021200 0.660
049 001200 N
050 001200 N
051 001200 N
052 001200 N
053 A001200 Y
053 B001200 Y
053 C001200 N
054 A001200 Y
054 B001200 Y
054 C001200 Y
054 D001200 N
054 E001200 N
054 F001200 Y
054 G001200 Y
054 H001200 Y
054 I001200 Y
054 J001200 Y
054 K001200 N
<PAGE> PAGE 53
054 L001200 Y
054 M001200 Y
054 N001200 N
054 O001200 N
055 A001200 Y
055 B001200 N
056 001200 Y
057 001200 N
058 A001200 N
059 001200 Y
060 A001200 Y
060 B001200 Y
061 001200 1000
062 A001200 Y
062 B001200 0.0
062 C001200 0.0
062 D001200 0.0
062 E001200 0.0
062 F001200 0.0
062 G001200 0.0
062 H001200 0.0
062 I001200 0.0
062 J001200 0.0
062 K001200 0.0
062 L001200 0.0
062 M001200 0.0
062 N001200 0.0
062 O001200 97.7
062 P001200 0.0
062 Q001200 0.0
062 R001200 0.0
063 A001200 0
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064 A001200 Y
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071 B001200 4147
071 C001200 12731
071 D001200 33
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<PAGE> PAGE 54
072 M001200 0
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072 O001200 1
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072 Q001200 0
072 R001200 5
072 S001200 2
072 T001200 42
072 U001200 0
072 V001200 0
072 W001200 6
072 X001200 169
072 Y001200 88
072 Z001200 611
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072DD021200 78
072EE001200 0
073 A011200 0.6470
073 A021200 0.5390
073 B001200 0.0000
073 C001200 0.0000
074 A001200 54
074 B001200 0
074 C001200 0
074 D001200 13189
074 E001200 0
074 F001200 0
074 G001200 0
074 H001200 0
074 I001200 0
074 J001200 0
074 K001200 0
074 L001200 280
074 M001200 0
074 N001200 13523
074 O001200 0
074 P001200 4
074 Q001200 0
074 R011200 0
074 R021200 0
074 R031200 0
074 R041200 24
074 S001200 0
074 T001200 13495
074 U011200 828
074 U021200 163
074 V011200 13.62
<PAGE> PAGE 55
074 V021200 13.62
074 W001200 0.0000
074 X001200 426
074 Y001200 617
075 A001200 0
075 B001200 12986
076 001200 0.00
024 001300 N
028 A011300 119
028 A021300 10
028 A031300 0
028 A041300 31
028 B011300 1
028 B021300 10
028 B031300 0
028 B041300 125
028 C011300 75
028 C021300 9
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028 D011300 73
028 D021300 10
028 D031300 0
028 D041300 64
028 E011300 27
028 E021300 10
028 E031300 0
028 E041300 45
028 F011300 98
028 F021300 20
028 F031300 0
028 F041300 45
028 G011300 393
028 G021300 69
028 G031300 0
028 G041300 345
028 H001300 392
029 001300 Y
030 A001300 22
030 B001300 6.25
030 C001300 0.00
031 A001300 6
031 B001300 0
032 001300 5
033 001300 10
034 001300 Y
035 001300 1
036 A001300 N
036 B001300 0
037 001300 N
038 001300 0
<PAGE> PAGE 56
039 001300 N
040 001300 Y
041 001300 Y
042 A001300 0
042 B001300 0
042 C001300 100
042 D001300 0
042 E001300 0
042 F001300 0
042 G001300 0
042 H001300 0
043 001300 11
044 001300 0
045 001300 Y
046 001300 N
047 001300 Y
048 001300 0.000
048 A011300 250000
048 A021300 0.750
048 B011300 250000
048 B021300 0.720
048 C011300 250000
048 C021300 0.690
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048 E011300 0
048 E021300 0.000
048 F011300 0
048 F021300 0.000
048 G011300 0
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048 H011300 0
048 H021300 0.000
048 I011300 0
048 I021300 0.000
048 J011300 0
048 J021300 0.000
048 K011300 750000
048 K021300 0.660
049 001300 N
050 001300 N
051 001300 N
052 001300 N
053 A001300 Y
053 B001300 Y
053 C001300 N
054 A001300 Y
054 B001300 Y
054 C001300 Y
054 D001300 N
054 E001300 N
<PAGE> PAGE 57
054 F001300 Y
054 G001300 Y
054 H001300 Y
054 I001300 Y
054 J001300 Y
054 K001300 N
054 L001300 Y
054 M001300 Y
054 N001300 N
054 O001300 N
055 A001300 N
055 B001300 N
056 001300 Y
057 001300 N
058 A001300 N
059 001300 Y
060 A001300 Y
060 B001300 Y
061 001300 1000
062 A001300 Y
062 B001300 0.0
062 C001300 0.0
062 D001300 0.0
062 E001300 0.0
062 F001300 0.0
062 G001300 0.0
062 H001300 0.0
062 I001300 0.0
062 J001300 0.0
062 K001300 0.0
062 L001300 0.0
062 M001300 0.0
062 N001300 0.0
062 O001300 95.6
062 P001300 0.0
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064 A001300 Y
064 B001300 N
071 A001300 920
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071 C001300 3745
071 D001300 25
072 A001300 12
072 B001300 205
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<PAGE> PAGE 58
072 G001300 0
072 H001300 0
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072 J001300 1
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072 X001300 51
072 Y001300 33
072 Z001300 187
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072DD021300 15
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074 B001300 0
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074 M001300 0
074 N001300 3952
074 O001300 0
074 P001300 1
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074 R011300 0
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<PAGE> PAGE 59
074 R041300 5
074 S001300 0
074 T001300 3946
074 U011300 271
074 U021300 28
074 V011300 13.15
074 V021300 13.15
074 W001300 0.0000
074 X001300 216
074 Y001300 288
075 A001300 0
075 B001300 3840
076 001300 0.00
024 001400 N
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028 A021400 9
028 A031400 0
028 A041400 48
028 B011400 10
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028 C011400 135
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028 E011400 2
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028 H001400 230
029 001400 Y
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030 B001400 6.25
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033 001400 2
<PAGE> PAGE 60
034 001400 N
035 001400 0
036 B001400 0
037 001400 N
038 001400 0
039 001400 N
040 001400 Y
041 001400 Y
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042 D001400 0
042 E001400 0
042 F001400 0
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048 I021400 0.000
048 J011400 0
048 J021400 0.000
048 K011400 750000
048 K021400 0.660
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050 001400 N
051 001400 N
052 001400 N
053 A001400 Y
053 B001400 Y
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<PAGE> PAGE 61
054 A001400 Y
054 B001400 Y
054 C001400 Y
054 D001400 N
054 E001400 N
054 F001400 Y
054 G001400 Y
054 H001400 Y
054 I001400 Y
054 J001400 Y
054 K001400 N
054 L001400 Y
054 M001400 Y
054 N001400 N
054 O001400 N
055 A001400 Y
055 B001400 N
056 001400 Y
057 001400 N
058 A001400 N
059 001400 Y
060 A001400 Y
060 B001400 Y
061 001400 1000
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062 H001400 0.0
062 I001400 0.0
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062 K001400 0.0
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071 C001400 3226
071 D001400 36
072 A001400 12
<PAGE> PAGE 62
072 B001400 174
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<PAGE> PAGE 63
074 P001400 1
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074 R041400 4
074 S001400 0
074 T001400 3412
074 U011400 238
074 U021400 19
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<PAGE> PAGE 64
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<PAGE> PAGE 65
051 001500 N
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<PAGE> PAGE 66
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<PAGE> PAGE 67
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<PAGE> PAGE 68
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<PAGE> PAGE 69
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<PAGE> PAGE 70
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<PAGE> PAGE 71
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<PAGE> PAGE 72
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<PAGE> PAGE 73
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<PAGE> PAGE 74
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<PAGE> PAGE 75
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SIGNATURE JOSEPH I. BENEDEK
TITLE TREASURER
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<PAGE>
Tait, Weller & Baker
Certified Public Accountants
Report of Independent Certified Public Accountants on Internal Control Structure
Board of Directors
First Investors Multi-State Insured Tax Free Fund
New York, New York
In planning and performing our audit of the financial statements of First
Investors Fund for Income, Inc. for the year ended December 31, 1998, we
considered its internal control structure, including procedures for
safeguarding securities, in order to determine our auditing procedures for
the purpose of expressing our opinion on the financial statements and to
comply with the requirements of Form N-SAR, not to provide assurance on the
internal control structure.
The management of the Fund is responsible for establishing and maintaining
an internal control structure. In fulfilling this responsibility, estimates
and judgments by management are required to assess the expected benefits and
related costs of internal control policies and procedures. Two of the
objectives of an internal control structure are to provide management with
reasonable, but not absolute, assurance that assets are safeguarded against
loss from unauthorized use or disposition, and that transactions are executed
in accordance with management's authorization and recorded properly to permit
preparation of financial statements in conformity with generally accepted
accounting principles.
Because of inherent limitations in any internal control structure, errors
or irregularities may occur and not be detected. Also, projection of any
evaluation of the structure to future periods is subject to the risk that it
may become inadequate because of changes in conditions or that the
effectiveness of the design and operation may deteriorate.
Our consideration of the internal control structure would not necessarily
disclose all matters in the internal control structure that might be
material weakness under standards established by the American Institute of
Certified Public Accountants. A material weakness is a condition in which
the design or operation of the specific internal control structure elements
does not reduce to a relatively low level the risk that errors or
irregularities in amounts that would be material in relation to the financial
statements being audited may occur and not be detected within a timely period
by employees in the normal course of performing their assigned functions.
However, we noted no matters involving the internal control structure,
including procedures for safeguarding securities, that we consider to be
material weaknesses, as defined above, as of December 31, 1998.
This report is intended solely for the information and use of management and
the Securities and Exchange Commission, and should not be used for any other
purpose.
TAIT, WELLER & BAKER
Philadelphia, Pennsylvania
January 29, 1999
