Cova Financial Services Life Insurance Company
Cova Variable Annuity Account One
Supplement dated September 18, 2000
For contracts issued in the Commonwealth of Pennsylvania, the following replaces
the information in your Cova variable annuity prospectus under "Nursing Home
Waiver":
While the contract is in force and prior to the annuity date, if you or
a joint owner become confined to a nursing home for at least 90
consecutive days and/or a hospital for at least 30 consecutive days or
confined for a total of at least 90 days if there is not more than a
6-month consecutive break between any number of confinements and the
confinements are for related causes, and you need part or all of the
money from your contract, Cova will not impose a withdrawal charge. You
must make a written request to receive this benefit. In Pennsylvania,
this is called the "Waiver of Withdrawal Charge for Health Care
Facilities Usage." You should refer to the rider to your contract for
more information regarding this benefit, including a definition of
nursing home and hospital.
CL-4229 (9/00)
