MERRILL LYNCH LIFE INSURANCE COMPANY
             MERRILL LYNCH LIFE VARIABLE ANNUITY SEPARATE ACCOUNT C

                        SUPPLEMENT DATED OCTOBER 17, 2003
                                     TO THE
                          PROSPECTUS DATED MAY 1, 2003
                                       FOR
                        MERRILL LYNCH CONSULTS ANNUITY(SM)


The subaccount investing in the Roszel/Sound Large Cap Core Portfolio is
currently closed to allocations of premiums for Contracts issued on or after
October 17, 2003.

                                      * * *

If you have any questions, please contact your Financial Advisor, or call or
write the Service Center at (800) 535-5549, P.O. Box 44222, Jacksonville,
Florida 32231-4222. Please retain this supplement with your Contract prospectus
for your reference.