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FNAL VARIABLE ACCOUNT
Supplement to Prospectus
dated May 1, 1995
Effective March 11, 1996, the death benefit before maturity date provision
of the contract has been amended as follows:
If the annuitant dies on or prior to the first of the month following his or her
85th birthday, the minimum death benefit is as follows: During the first
contract year, the minimum death benefit is the greater of (a) the contract
value on the date due proof of death and all required claim forms are received
at the Company's Annuity Service Office, or (b) the sum of all purchase payments
made less any amount deducted in connection with partial withdrawals. During any
subsequent contract year, the minimum death benefit will be the greater of (a)
the contract value on the date due proof of death and all required claim forms
are received at the Company's Annuity Service Office, or (b) the minimum death
benefit determined in accordance with these provisions as of the last day of the
previous contract year plus any purchase payments made and less any amount
deducted in connection with partial withdrawals since then.
THE DATE OF THIS SUPPLEMENT IS MARCH 11, 1996
V9.SUPP.396
