JANUS RETIREMENT ADVANTAGE
Supplement dated December 1, 1998, to the Prospectus
dated May 1, 1998, As Supplemented June 10,
1998 and July 1, 1998
The following paragraph is added to page 22 of the Prospectus before the
last paragraph under the section "THE CONTRACT - ACCUMULATION PROVISIONS
- Purchase Payments"
Owners wishing to make additional Purchase Payments by telephone may do
so by calling 1-800-504-4440 during normal business hours to request the
appropriate form to be completed. When you make an additional purchase by
telephone, Western Reserve will automatically debit your predesignated
bank account for the desired amount. This option will become effective
ten business days after the form is received in good order.
Western Reserve will not be liable for complying with telephone
instructions it reasonably believes to be authentic, nor for any loss,
damage, costs or expense in acting on such telephone instructions, and
Owners will bear the risk of any such loss, provided that Western Reserve
employs reasonable procedures to confirm that telephone instructions are
genuine. Such procedures may include, among others, requiring forms of
personal identification prior to acting upon such telephone instructions
providing written confirmation of such transactions to Owners and/or tape
recording of telephone purchase payment request instructions received
from Owners.
JRATELE-12/98
