SEPARATE ACCOUNT A OF FIRST FORTIS LIFE INS CO
NTFNSAR, 1999-03-19
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                                 UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C. 20549

                                  FORM 12b-25

                                                      SEC File Number 811-8154


                          NOTIFICATION OF LATE FILING

  (Check One):
  [ ]Form 10-KSB [ ]Form 20-F [ ]Form 11-K [ ]Form 10-Q [X]Form N-SAR

                         For Period Ended: 12/31/98

 | Nothing in this form shall be construed to imply that the Commission has  |
 | verified any information contained herein.                                |
 |

If the notification relates to a portion of the filing checked above, identify
the item(s) to which the notification relates:

 ----------------------------------------------------------------------------

 PART I - REGISTRANT INFORMATION

 ----------------------------------------------------------------------------
 Full Name of Registrant:
 First Fortis Life Insurance Company Seperate Account A
 ----------------------------------------------------------------------------
 Former Name if Applicable:
 ----------------------------------------------------------------------------
 Address of Principal Executive Office (Street and Number)
 220 Salina Meadows Parkway, Syracuse, NY  13220
 ----------------------------------------------------------------------------
 City, State and Zip Code


 PART II - RULES 12b-25(b) AND (c)

If the  subject  report  could  not be filed  without  unreasonable  effort or
expense  and the  registrant  seeks  relief  pursuant to Rule  12b-25(b),  the
following should be completed. (Check box if appropriate)

       |       (a) The reasons  described in reasonable  detail in Part III of
  [X]  |       this form could not be eliminated without  unreasonable  effort
       |       or expense;
       |
       |       (b) The  subject  annual report on Form 10-KSB will be filed on
  [ ]  |       or before the fifteenth  calendar day following the  prescribed
       |       due date; and
       |
  [ ]  |       (c) The  accountant's  statement or other  exhibit  required by
       |       Rule 12b-25(c) has been attached, if applicable.


<PAGE>

 PART III - NARRATIVE

State below in  reasonable  detail the reasons why the Form N-SAR could not be
filed within the prescribed time period.

After the due date, Registrant discovered  that new  administrative  personnel
mistakenly believed report was due March 31, 1999.

- ----------------------------------------------------------------------------


                                       2

<PAGE>

 PART IV - OTHER INFORMATION

 (1)  Name and  telephone  number  of  person  to  contact  in  regard to this
      notification.

     Douglas R. Lowe                    651             738-5590
  ------------------------------    -----------  -------------------------
           (Name)                   (Area Code)      (Telephone Number)

 (2)  Have all other  periodic  reports  required under Section 13 or 15(d) of
      the  Securities  Exchange  Act of 1934 or Section  30 of the  Investment
      Company Act of 1940 during the  preceding  12 months or for such shorter
      period that the  registrant  was  required to file such  report(s)  been
      filed? If the answer is no, identify report(s). [X] Yes [ ] No

 ----------------------------------------------------------------------------

 (3)  Is it anticipated  that any significant  change in results of operations
      from the corresponding period for the last fiscal year will be reflected
      by the  earnings  statements  to be included  in the  subject  report or
      portion thereof?

      If so: attach an explanation of the anticipated change, both narratively
      and  quantitatively,  and,  if  appropriate,  state  the  reasons  why a
      reasonable estimate of the results cannot be made.

                                                      [ ] Yes [X] No

 ----------------------------------------------------------------------------

            FIRST FORTIS LIFE INSURANCE COMPANY SEPERATE ACCOUNT A
         ------------------------------------------------------------
                 (Name of Registrant as Specified in Charter)

 has  caused  this  notification  to be signed  on  behalf by the  undersigned
 hereunto duly authorized.

Date:   March 3, 1999               By:  /s/DOUGLAS R. LOWE
        -------------                    -------------------------
                                         Douglas R. Lowe
                                         Vice President and
                                         Assistant General Counsel


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