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<PAGE> 1 SUPPLEMENT DATED JANUARY 1, 1996 TO THE PROSPECTUS DATED MAY 1, 1995 FOR MERRILL LYNCH ASSET I ISSUED BY MERRILL LYNCH LIFE INSURANCE COMPANY The prospectus indicates the annuity date for an Asset I Certificate must be the first day of a calendar month. Merrill Lynch Life Insurance Company currently permits participants to select an annuity date that is any day of a calendar month.
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