AMENDMENT NO. 1 PARTICIPATION AGREEMENT The Participation Agreement (the "Agreement"), dated February 10, 1995, by and between AIM Variable Insurance Funds, Inc., a Maryland corporation, and First Citicorp Life Insurance Company, a New York...

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                                                                 EXHIBIT 9(kk)
                                                                        

                               AMENDMENT NO. 1
                           PARTICIPATION AGREEMENT
                                      
                                      
        The Participation Agreement (the "Agreement"), dated February 10, 1995,
by and between AIM Variable Insurance Funds, Inc., a Maryland corporation, and
First Citicorp Life Insurance Company, a New York corporation, is hereby
amended as follows:

        Schedule A of the Agreement is hereby deleted in its entirety and
replaced with the following:


                                 "SCHEDULE A
                                      
   ACCOUNTS, POLICIES AND PORTFOLIOS SUBJECT TO THE PARTICIPATION AGREEMENT


Name of Separate Account and Date
Established by Board of Directors:

        First Citicorp Life Variable Annuity Separate Account  (July 6, 1994)


Policies Funded by Separate Account:


Portfolios Applicable to Policies:

        AIM V.I. Capital Appreciation Fund
        AIM V.I. Government Securities Fund
        AIM V.I. Growth Fund
        AIM V.I. Growth and Income Fund
        AIM V.I. Value Fund
        AIM V.I. International Equity Fund"


        All other terms and provisions of the Agreement not amended herein
shall remain in full force and effect.


Effective Date: February 3, 1997

                                           AIM VARIABLE INSURANCE FUNDS, INC.
                                           
                                           
Attest: /s/ XXXXX X. XXXXXX                By: /s/ XXXXXX X. XXXXXX    
       ------------------------------          -----------------------------
          Assistant Secretary                            President
(SEAL)                                     
                                           
                                           
                                           FIRST CITICORP LIFE INSURANCE COMPANY


Attest: /s/ XXXXXXX X. XXXXXXXXX           By: /s/ [ILLEGIBLE]                 
       ------------------------------          -----------------------------
                Secretary                                President

(SEAL)