Northbrook Life Insurance Company
Northbrook Variable Annuity Account II
Supplement to: Morgan Stanley Dean Witter Variable Annuity 3 Prospectus, Dated
May 2, 2000
In the Section entitled Expense Table, replace the tables in Example 1 and
Example 2 (pages 10-11) with the following expense tables corrected to reflect
the inclusion of Rule 12b-1 Fees where applicable:
Surrender
1 YEARS 3 YEARS 5 YEARS 10 YEARS
------- ------- ------- --------
AIM CAPITAL APPRECIATION $69 $115 $156 $294
AIM GROWTH $69 $115 $156 $294
AIM VALUE $69 $116 $157 $297
ALLIANCE GROWTH $73 $127 $175 $333
ALLIANCE GROWTH AND INCOME $71 $123 $168 $318
ALLIANCE PREMIER GROWTH $75 $132 $184 $349
MSDW AGGRESSIVE EQUITY $69 $116 $158 $298
MSDW CAPITAL GROWTH $71 $123 $168 $318
MSDW COMPETITIVE EDGE $70 $118 $160 $302
MSDW DIVIDEND GROWTH $69 $116 $158 $298
MSDW EQUITY $69 $116 $157 $297
MSDW EUROPEAN GROWTH $75 $132 $184 $349
MSDW GLOBAL DIVIDEND GROWTH $73 $126 $173 $329
MSDW HIGH YIELD $69 $117 $158 $299
MSDW INCOME BUILDER $72 $125 $172 $327
MSDW MONEY MARKET $69 $116 $158 $298
MSDW PACIFIC GROWTH $79 $144 $202 $384
MSDW QUALITY INCOME PLUS $69 $116 $158 $298
MSDW S&p 500 INDEX $69 $115 $156 $294
MSDW SHORT-TERM BOND $70 $119 $163 $308
MSDW STRATEGIST $69 $116 $158 $298
MSDW UTILITIES $71 $121 $165 $313
MSDW EMERGING MARKETS EQUITY $80 $147 $208 $395
MSDW EQUITY GROWTH $70 $119 $162 $306
MSDW INTERNATIONAL MAGNUM $73 $128 $177 $336
MSDW MID-CAP VALUE $72 $125 $172 $326
MSDW U.S. REAL ESTATE $73 $126 $174 $331
PUTNAM GROWTH AND INCOME $68 $113 $151 $286
PUTNAM INTERNATIONAL GROWTH $73 $129 $178 $337
PUTNAM VOYAGER $69 $115 $155 $293
VAN KAMPEN EMERGING GROWTH $70 $119 $162 $306
No Surrender
1 YEARS 3 YEARS 5 YEARS 10 YEARS
------- ------- ------- --------
AIM CAPITAL APPRECIATION $26 $81 $139 $294
AIM GROWTH $26 $81 $139 $294
AIM VALUE $27 $82 $140 $297
ALLIANCE GROWTH $30 $93 $158 $333
ALLIANCE GROWTH AND INCOME $29 $89 $151 $318
ALLIANCE PREMIER GROWTH $32 $98 $167 $349
MSDW AGGRESSIVE EQUITY $27 $82 $141 $298
MSDW CAPITAL GROWTH $29 $89 $151 $318
MSDW COMPETITIVE EDGE $27 $84 $143 $302
MSDW DIVIDEND GROWTH $27 $82 $141 $298
MSDW EQUITY $27 $82 $140 $297
MSDW EUROPEAN GROWTH $32 $98 $167 $349
MSDW GLOBAL DIVIDEND GROWTH $30 $92 $156 $329
MSDW HIGH YIELD $27 $83 $141 $299
MSDW INCOME BUILDER $30 $91 $155 $327
MSDW MONEY MARKET $27 $82 $141 $298
MSDW PACIFIC GROWTH $36 $110 $185 $384
MSDW QUALITY INCOME PLUS $27 $82 $141 $298
MSDW S&p 500 INDEX $26 $81 $139 $294
MSDW SHORT-TERM BOND $28 $85 $146 $308
MSDW STRATEGIST $27 $82 $141 $298
MSDW UTILITIES $28 $87 $148 $313
MSDW EMERGING MARKETS EQUITY $37 $113 $191 $395
MSDW EQUITY GROWTH $28 $85 $145 $306
MSDW INTERNATIONAL MAGNUM $31 $94 $160 $336
MSDW MID-CAP VALUE $30 $91 $155 $326
MSDW U.S. REAL ESTATE $30 $92 $157 $331
PUTNAM GROWTH AND INCOME $26 $79 $134 $286
PUTNAM INTERNATIONAL GROWTH $31 $95 $161 $337
PUTNAM VOYAGER $26 $81 $138 $293
VAN KAMPEN EMERGING GROWTH $28 $85 $145 $306
All other information in the Examples remains unchanged.
September 26, 2000
