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<PAGE> SUPPLEMENT dated January 8, 1996 to Prospectus dated May 1, 1995 FirstLine Variable Universal Life The following table replaces the table of ratings that appears on page 15 of the Prospectus. Please retain this information for future reference: A.M. Best A+(superior) Duff & Phelp's AAA Moody's Aa2 Standard & Poor's AAA Weiss Research, Inc. A
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