ANNUITY INVESTORS VARIABLE ACCOUNT A
497, 1997-11-12
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                ANNUITY INVESTORS[SERVICEMARK] VARIABLE ACCOUNT A
                                       of
         ANNUITY INVESTORS LIFE INSURANCE COMPANY[REGISTERED TRADEMARK]

                      Supplement to May 1, 1997 Prospectus
                                     for the
                    Commodore Nauticus[REGISTERED TRADEMARK]
                     Group Flexible Premium Deferred Annuity
                       Date of Supplement: October 1, 1997


The following provision is inserted in the TRANSFERS section of your Prospectus:

PRINCIPAL GUARANTEE OPTION
The Participant  may elect to have the Company  allocate a portion of a Purchase
Payment to the Fixed Account  Seven-Year  Guarantee Period such that, at the end
of the Seven-Year Guarantee Period, that account will grow to an amount equal to
the total Purchase Payment.  The Company  determines the portion of the Purchase
Payment which must be allocated to the Fixed Account Seven-Year Guarantee Period
such that, based on the interest rate then in effect,  the Seven-Year  Guarantee
account will grow to equal the full amount of the Purchase  Payment  after seven
years. The minimum Purchase Payment eligible for the Principal Guarantee program
is $5,000.

               PLEASE RETAIN THIS SUPPLEMENT FOR FUTURE REFERENCE.


                                               ANNUITY INVESTORS[SERVICEMARK]




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