INVESTORS LIFE SEPARATE ACCOUNT B
N-30B-2, 1996-09-24
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The following document is hereby incorporated by reference:

  The Annual Reports of the Fidelity Variable Insurance Products Fund and the
  Fidelity Variable Insurance Products Fund II dated June 30, 1996, filed with
  the Commission on August 29, 1996 (File No's. 811-3329 and 811-5511).



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