AAL VARIABLE ANNUITY ACCOUNT I
SUPPLEMENT DATED MAY 1, 1999
TO THE PROSPECTUS DATED MAY 1, 1999
For all Certificates delivered in the state of New York,
we make the following changes to the sections
indicated in the Prospectus:
GLOSSARY - Annuitant [add to the end of the definition] "Except in instances as
described in the section on Death Proceeds, we cannot change the Annuitant."
AAL, THE ACCOUNTS AND THE FUND - The Variable Account [add to the end of the
first paragraph] "AAL Variable Annuity Account I is subject to the laws of the
state in which the Certificate is delivered to the extent that AAL, a foreign
fraternal benefit society, is subject to those laws."
THE CERTIFICATE - Assignments of Ownership - Successor Owners [replace the first
two sentences] "If you are the Owner but not the Annuitant, you may designate a
Successor Owner to receive the Owner's Death Proceeds in the event of your
death. If there is no Successor Owner, your estate will receive the Owner's
Death Proceeds. The Owner's Death Proceeds is the accumulated value of the
Certificate."
ACCUMULATION PHASE - Transfers Among Subaccounts and/or the Fixed Account
[footnote the third paragraph, fourth listed item] "* We allow twelve transfers
without charge for Certificates delivered in New York."
ACCUMULATION PHASE - Telephone Transactions [add to the end of the section]
"We are not able to accept telephone requests for transfers among Subaccounts
from you if your Certificate was delivered in New York."
ACCUMULATION PHASE - Death of the Owner and/or Annuitant Before the Annuity
Commencement Date [add to the end of the seventh paragraph] "For Certificates
delivered in New York, the Death Proceeds Calculation Date is the date of the
Annuitant's death."
ANNUITY PHASE - Annuity Commencement Date [add to the end of the section] "The
maximum maturity age is 90 on a Certificate we deliver in the state of New York.
As a result, we will not issue a Certificate if you are age 80 or older."
ANNUITY PHASE - Annuity Payments [add to the eleventh paragraph, end of the
first sentence] "(The minimum Annuity Payment for residents of New York is
$20.)"
CERTIFICATE FEES AND CHARGES - Waiver of Withdrawal or Surrender Charges [revise
the first listed condition for waiver, last sentence] "The nursing home
confinement condition for waiver of withdrawal or surrender charges is only
allowable in certain states. Such a waiver is not available for Certificates
delivered in New York."
[replace the second item listed]
"If you begin Annuity Payments more than three years after the Issue Date and
you choose Option 4 or 5, or if you choose Option 2 or 3 (if the duration of
payments lasts for at least five years)."
[replace the third condition for waiver]
"Upon the death of the Annuitant or Owner."
This supplement must accompany the delivery of all Prospectuses to New York
residents on or after May 1, 1999.
NY13017PI8 3/99
