1
                                                                      EXHIBIT 20



September 19, 1996


Dear Policyowner or Contract Owner:

As an Owner of a variable life insurance policy or variable annuity contract
(either of which is referred to as a "Policy") issued by Western Reserve Life
Assurance Co. of Ohio ("Western Reserve"), you have the right to instruct
Western Reserve how to vote certain shares of the Emerging Growth Portfolio
(the "Portfolio") of WRL Series Fund, Inc. (the "Fund") at the October 29,
1996 special meeting of shareholders of the Fund (the "Meeting").  To assist
you in giving those instructions, we have enclosed the following:

         (1)  A Notice of the Special Meeting;
         (2)  A Voting Instruction Form; and
         (3)  A Proxy Statement to Shareholders.

Please read the enclosed Notice of the Special Meeting and the Proxy Statement
for details regarding the purpose of the Meeting.

The primary purposes of the Meeting are to vote on approval of a new
Sub-Advisory Agreement between Western Reserve and Van Kampen American Capital
Asset Management, Inc. on behalf of the Portfolio of the Fund.

Western Reserve is the sole shareholder of the Portfolio.  Although you are not
directly a shareholder of the Portfolio, some or all of your Policy's cash
value or contract value is invested, as provided by your Policy, in the
Portfolio.  Accordingly, you have the right under your Policy to instruct
Western Reserve how to vote the Portfolio shares which are attributable to your
Policy.  The enclosed Voting Instruction Form shows the number of Proxy Votes
in the Portfolio attributable to your Policy for which you are entitled to give
voting instructions.

To be given effect at the Meeting, a properly executed Voting Instruction Form
must be received by us at 201 Highland Avenue, Largo, Florida 33770 no later
than October 27, 1996.

  IF WE SO RECEIVE YOUR FORM AND A CHOICE AS TO ANY PROPOSAL IS NOT SPECIFIED
            IN IT, WE WILL VOTE SUCH SHARES "FOR" SUCH PROPOSAL.

We will vote the shares of the Portfolio for which timely voting instructions
are not received in the same proportion as those shares attributable to the
Portfolio for which timely instructions are received.  We will also vote the
Portfolio's shares in our best judgment on any other matters which come before
the Meeting.

The number of Portfolio shares for which an Owner may give instructions is
determined as follows.  For each Policy the number of votes in the Portfolio
will be determined by dividing the amount of the Policy's cash value or
contract value attributable to the Portfolio as of the record date by $100.
Fractional shares will be counted.

Please complete the Voting Instruction Form and promptly return it in the
enclosed postage paid envelope.  Your instructions are very important, and we
would appreciate your return of the Form as soon as possible.

Thank you for your prompt cooperation.

Very truly yours,


/s/ John R. Kenney
- ------------------
Chairman, Chief Executive Officer and President
Western Reserve Life Assurance Co. of Ohio

P.S.  IF YOU OWN MORE THAN ONE POLICY, YOU WILL RECEIVE A SEPARATE MAILING
      FOR EACH POLICY.  IT IS IMPORTANT YOU RETURN A SIGNED VOTING
      INSTRUCTION FORM FOR EACH POLICY.