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JANUS RETIREMENT ADVANTAGE Supplement dated July 1, 1998, to the Prospectus dated May 1, 1998, as Supplemented June 10, 1998 The sentence below is deleted from page 33, section "OTHER MATTERS RELATING TO THE CONTRACT -Annuitant", third sentence. Prior to the Maturity Date, if the Owner is a natural person and upon agreement with Western Reserve, the Owner may elect a different Annuitant.
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