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The following items in the Strategic Advantage Variable Universal Life Insurance
Policy as described in this Prospectus are modified as described below in order
to comply with Massachusetts state regulations.
The Guaranteed Minimum Death Benefit provision is not available.
The defined term Scheduled Premium should be referred to as Planned Premium.
Any reference to an unschedule premium should be referred to as an unplanned
premium.
DEPENDING ON THE PERFORMANCE OF THE DIVISIONS TO WHICH YOUR ACCOUNT VALUE IS
ALLOCATED, YOUR ENTIRE INVESTMENT COULD BE LOST AND, AS A RESULT, THERE COULD BE
NO DEATH BENEFIT IF ADDITIONAL PREMIUM IS NOT PAID TO KEEP YOUR POLICY IN FORCE.
Date: May 1, 1996
