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January 1, 1999
The information below supplements MML Bay State Life Insurance Company's
LifeTrust variable annuity prospectus dated May 1, 1998. Please place this
supplement with your prospectus and retain it for future reference.
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LIFETRUST
Supplement dated January 1, 1999
To the Prospectus dated May 1, 1998
The LifeTrust variable annuity prospectus is amended as follows:
Add the following three sentences as a new paragraph after the first
sentence in "Taxation of Qualified Plans, TSAs, IRAs and Roth IRAs"
on page 23:
Note: The LifeTrust Annuity is not available for sale to
employee benefit plan programs that are subject to
ERISA. This contract will not be sold directly or
indirectly to qualified pension and profit sharing
plans, Section 457 deferred compensation plans or
ERISA-covered TSA programs. The term "Qualified Plan"
referenced above does not include any plan subject to
ERISA.
January 1, 1999
