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                                 MERRILL LYNCH
                              RETIREMENT PLUS -SM-

                                   Issued by

                     ML LIFE INSURANCE COMPANY OF NEW YORK
               ML of New York Variable Annuity Separate Account A
               ML of New York Variable Annuity Separate Account B

                         Supplement Dated June 18, 1999
                                     To The
                          Prospectus Dated May 1, 1999

Effective June 18, 1999, you can allocate premium payments and contract value to
the subaccount corresponding to the Mercury V.I. U.S. Large Cap Fund of Mercury
Asset Management V.I. Funds, Inc.  The investment objective and annual expenses
of the Mercury V.I. U.S. Large Cap Fund are described fully in your Retirement
Plus prospectus dated May 1, 1999.

For additional information, please contact your Financial Consultant or call the
Annuity Service Center at (800) 333-6524.
























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