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<PAGE>
Supplement Dated May 15, 1998 to Prospectus Dated May 1, 1998
JPF SEPARATE ACCOUNT B
OF
JEFFERSON PILOT LIFEAMERICA INSURANCE COMPANY
Effective May 14, 1998, Jefferson Pilot LifeAmerica Insurance Company is rated
AAA by Standard & Poor's.
The information contained in the second paragraph under the heading "JEFFERSON
PILOT LIFEAMERICA INSURANCE COMPANY" on page 11 of the Ensemble II prospectus is
hereby amended to reflect that rating upgrade.
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