ALGER SEPARATE ACCOUNT A OF GOLDEN AMERICAN LIFE INSUR CO
485BPOS, 1997-07-25
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        AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON July 25, 1997
                                                       Registration No. 33-27766
- --------------------------------------------------------------------------------
- --------------------------------------------------------------------------------

                          SECURITIES AND EXCHANGE COMMISSION
                               WASHINGTON, D.C.  20549
                                           
                           Post-Effective Amendment No. 3
                                          to
                                           
                                       FORM S-6
                                           
                  FOR REGISTRATION UNDER THE SECURITIES ACT OF 1933
                       OF SECURITIES OF UNIT INVESTMENT TRUSTS
                              REGISTERED ON FORM N-8B-2
                                           
                               ALGER SEPARATE ACCOUNT A
                                (EXACT NAME OF TRUST)
                                           
                        GOLDEN AMERICAN LIFE INSURANCE COMPANY
                                 (NAME OF DEPOSITOR)
                                           
                           1001 Jefferson Street, 4th Floor
                                Wilmington, DE  19801
                                     302-576-3400
           (ADDRESS AND TELEPHONE NUMBER OF DEPOSITOR'S PRINCIPAL OFFICES)
                                           
MARILYN TALMAN, ESQ.                       COPY TO:
Golden American Life Insurance Company     Susan S. Krawczyk, Esq.
1001 Jefferson Street, Suite 400           Sutherland, Asbill & Brennan, L.L.P.
Wilmington, DE 19801                       1275 Pennsylvania Avenue, N.W.
(NAME AND ADDRESS OF AGENT FOR             Washington, D.C.  20004-2404
     SERVICE OF PROCESS)

IT IS PROPOSED THAT THIS FILING WILL BECOME EFFECTIVE:
         [X]  immediately upon filing pursuant to paragraph (b)
         [ ]  on  _________  pursuant to paragraph (b) 
         [ ]  60 days after filing pursuant to paragraph (a)(i)
         [ ]  on  _________  pursuant to paragraph (a)(i)
         [ ]  75 days after filing pursuant to paragraph (a)(ii)
         [ ]  on  _________  pursuant to paragraph (a)(ii) of Rule 485.

IF APPROPRIATE, CHECK THE FOLLOWING BOX:
         [ ]  this Post-Effective Amendment designates a new effective date for
              a previously filed Post-Effective Amendment.
                                     ------------

                          DECLARATION PURSUANT TO RULE 24F-2
The Registrant has previously filed a declaration of indefinite registration of
its shares of beneficial interest pursuant under the Securities Act of 1933
pursuant to Rule 24f-2 under the Investment Company Act of 1940.  The Rule 24f-2
Notice for the year ended December 31, 1996 was filed on February 28, 1997.

This post-effective amendment is being filed solely to satisfy the requirements
of Section 26(e)(2)(A) under the Investment Company Act of 1940.

The contents of Registrant's previously-filed registration statement, Post-
Effective Amendment No. 2 to the Registration Statement on Form S-6 of the 
Separate Account B filed May 2, 1991 (File No. 33-27766), is
incorporated by reference herein in its entirety.

The following representation is added to Part II:

                   REQUIRED REPRESENTATION

Golden American Life Insurance Company hereby represents that the fees and
charges deducted under the Contract, in the aggregate are reasonable in 
relation to the services rendered, the expenses expected to be incurred, and
the risks assumed by Golden American Life Insurance Company.

In addition, the Powers of Attorney of Terry L. Kendall, Paul E. Larson, 
Fred S. Hubbell, Lawrence V. Durland, Thomas L. May, John A. Merriman, 
Beth B. Neppl, Paul R. Schlaack and Jerome L. Sychowski are attached. 

<PAGE>
                                SIGNATURES

    Pursuant to the requirements of the Securities Act of 1933, the Registrant
certifies that it meets all of the requirements for effectiveness of this
Registration Statement pursuant to Rule 485(b) under the Securities Act of 1933
and has duly caused this Post-Effective Amendment No. 3 to the Registration
Statement to be signed on its behalf in the City of Wilmington and State of
Delaware, on the 25th day of July, 1997.
                                            ALGER SEPARATE ACCOUNT A
                                            ------------------------
                                            (Registrant)

                                       By:  GOLDEN AMERICAN LIFE
                                            INSURANCE COMPANY
                                            --------------------
                                            (Depositor)

                                       By:
                                            ________________________
                                            Terry L. Kendall*
                                            President and Chief
                                            Executive Officer
Attest:  /s/ Marilyn Talman  
         ---------------------------
         Marilyn Talman
         Vice President, Associate General Counsel and
		   Assistant Secretary of Depositor

As required by the Securities Act of 1933, this Registration
Statement has been signed below by the following persons in the
capacities indicated on July 25, 1997.

       Signature                    Title
       ---------                    -----
       
       ________________________     President, Director
       Terry L. Kendall*                 Chief Executive Officer
                                         of Depositor
       
       ________________________     Principal Financial Officer
       Paul E. Larson*               
       
                     DIRECTORS OF DEPOSITOR
       
       ________________________       ________________________
       Fred S. Hubbell, Chairman*     Lawrence V. Durland*
       
       ________________________       ________________________
       Paul E. Larson*                Thomas L. May*
       
       ________________________       ________________________
       John A. Merriman*              Beth B. Neppl*
       
       ________________________       ________________________
       Paul R. Schlaack*              Jerome L. Sychowski*
       
       
       By:  /s/ Marilyn Talman     Attorney-in-Fact
           -----------------------
           Marilyn Talman
_______________________
*Executed by Marilyn Talman on behalf of those indicated pursuant
to Power of Attorney.
<PAGE>

<PAGE>
                                                Exhibit 10(b)

GOLDEN AMERICAN LIFE INSURANCE COMPANY
1001 Jefferson Street, Suite 400, Wilmington, DE  19801
                                             Phone: (302) 576-3400
                                             Fax:   (302) 576-3520
                                
                                
                        POWER OF ATTORNEY

     KNOW ALL PERSONS BY THESE PRESENTS, that the undersigned,
being duly elected Directors and officers of Golden American Life
Insurance Company ("Golden American"), constitute and appoint
Myles R. Tashman, and Marilyn Talman, and each of them, his or
her true and lawful attorneys-in-fact and agents with full power
of substitution and resubstitution for him or her in his or her
name, place and stead, in any and all capacities, to sign Golden
American's registration statements and applications for exemptive
relief, and any and all amendments thereto, and to file the same,
with all exhibits thereto, and other documents in connection
therewith, with the Securities and Exchange Commission, granting
unto said attorneys-in-fact and agents full power and authority
to do and perform each and every act and thing requisite and
necessary to be done, as fully to all intents and purposes as
s/he might or could do in person, hereby ratifying and affirming
all that said attorneys-in-fact and agents, or any of them, or
his or her substitute or substitutes, may lawfully do or cause to
be done by virtue thereof.


SIGNATURE                TITLE                    DATE
- ---------                -----                    ----

/s/ Terry L. Kendall     Director, President and  April 21, 1997
- -----------------------                           --------------------
Terry L. Kendall            Chief Executive
                            Officer

/s/ Paul E. Larson       Director, Executive      April 14, 1997
- -----------------------                           --------------------
Paul E. Larson              Vice President, Chief
                            Financial Officer and
                            Assistant Secretary

/s/ Fred S. Hubbell      Director and Chairman    April 14, 1997
- -----------------------                           --------------------
Fred S. Hubbell

/s/ Lawrence V. Durland  Director                 April 14, 1997
- -----------------------                           --------------------
Lawrence V. Durland

/s/ Thomas L. May        Director                 April 14, 1997
- -----------------------                           --------------------
Thomas L. May

/s/John A. Merriman      Director and Assistant   April 14, 1997
- -----------------------                           --------------------
John A. Merriman            Secretary

/s/Beth B. Neppl         Director and Vice        April 14, 1997
- -----------------------                           --------------------
Beth B. Neppl               President

/s/Paul R. Schlaack      Director                 April 14, 1997
- -----------------------                           --------------------
Paul R. Schlaack

/s/Jerome L. Sychowski   Director                 April 14, 1997
- -----------------------                           --------------------
Jerome L. Sychowski
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