SUPPLEMENT
                                     TO THE
                              PROSPECTUSES FOR THE

                     PERSPECTIVE FIXED AND VARIABLE ANNUITY

                 PERSPECTIVE ADVISORS FIXED AND VARIABLE ANNUITY

            JACKSON NATIONAL LIFE DEFINED STRATEGIES VARIABLE ANNUITY



The following disclosure is added to the prospectus under the heading "ACCESS TO
YOUR MONEY":

         Your  withdrawal  request  must be in writing.  Jackson  National  will
         accept  withdrawal  requests  submitted via facsimile.  There are risks
         associated with not requiring original  signatures in order to disburse
         contract holder monies.


This Supplement is dated August 23, 1999.



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