September 3, 1999

                SUPPLEMENT TO STATEMENT
               OF ADDITIONAL INFORMATION
                   DATED MAY 1, 1999
                          of
          First Fortis Life Insurance Company
                          for
          Flexible Premium Variable Annuities


The paragraph on page 2 under the section entitled
"First Fortis" which refers to the Standard & Poor's
rating of First Fortis Life Insurance Company is
amended to indicate that the rating by Standard &
Poor's is AA-, which is defined as an insurer who
offers "very strong financial strength."



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