MONY AMERICA VARIABLE ACCOUNT A
497, 1999-11-23
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                       SUPPLEMENT DATED NOVEMBER 19, 1999
                                       to

                          PROSPECTUS DATED MAY 1, 1999
                                      for

                       Flexible Payment Variable Annuity

                                   Issued by

                     MONY Life Insurance Company of America
                        MONY America Variable Account A

EFFECTIVE NOVEMBER 1, 1999 THIS SUPPLEMENT UPDATES CERTAIN INFORMATION CONTAINED
IN YOUR PROSPECTUS. PLEASE READ IT AND KEEP IT WITH YOUR PROSPECTUS FOR FUTURE
REFERENCE.

 1. PAGE 15 OF THE PROSPECTUS IS AMENDED BY REPLACING THE SUB-INVESTMENT ADVISER
    FEE FOR THE MANAGED PORTFOLIO WITH THE FOLLOWING:

          OpCap Advisors' fee for the assets of the Portfolio it manages is an
     annual rate of 0.40% of the portfolio's aggregate average daily net assets
     up to $1 billion, 0.30% from $1 billion to $2 billion, and 0.25% in excess
     of $2 billion. Retroactive to November 1, 1999, Sanford C. Bernstein & Co.,
     Inc.'s fee for the assets of the Portfolio it manages is an annual rate of
     0.40% of the portfolio's aggregate average daily net assets up to $10
     million, 0.30% from $10 million to $50 million, 0.20% from $50 million to
     $100 million, and 0.10% in excess of $100 million.

#820-343                                               Registration No. 33-20453


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