Allstate Life Insurance Company
                 Allstate Financial Advisors Separate Account I
                         Supplement, dated May 28, 2004
                                     to the
             Prospectus dated May 1, 2004, as supplemented, for the
  Allstate Advisor Variable Annuities (Advisor, Advisor Plus, Advisor Peferred)
  Morgan Stanley Variable Annuities (Morgan Stanley Variable Annuity and Morgan
                        Stanley Variable Annuity L-Share)
           SunTrust Variable Annuities (SunTrust Variable Annutity and
                      SunTrust Variable Annutity Preferred)



This supplement amends the above-referenced prospectus for the Allstate Advisor,
Allstate Advisor Plus, Allstate Advisor Preferred, Morgan Stanley Variable
Annuity, Morgan Stanley Variable Annuity L-Share, and STI Advisor variable
annuity contracts (each, a "Contract"), offered by Allstate Life Insurance
Company, to the to add a new section to extend spousal protection benefit
options for custodial IRAs. Please keep this supplement for future reference
together with your prospectus. All capitalized terms have the same meaning as
those included in the prospectus.

The following section should be added to your prospectus, at page 55,
immediately following the section entitled "Spousal Protection Benefit
(Co-Annuitant) Option and Death of Co-Annuitant."

Spousal  Protection  Benefit  (Co-Annuitant)  Option  for  Custodial  Individual
Retirement Accounts and Death of Co-Annuitant

We offer a Spousal Protection Benefit (Co-Annuitant) Option for certain
Custodial Individual Retirement Accounts established under Code Section 408(a)
("CSP") that may be added to your Contract at no charge. CSP is not available in
all states. CSP is subject to the following conditions ("Conditions"):

o    The  beneficially  owned  Contract  must be a  Custodial  traditional  IRA,
     Custodial Roth IRA, or a Custodial Simplified Employee Pension IRA.

o    The Annuitant  must be the  beneficial  owner of the Custodial  traditional
     IRA, Custodial Roth IRA, or Custodial Simplified Employee Pension IRA.

o    The  Co-Annuitant  must be the  legal  spouse  of the  Annuitant.  Only one
     Co-Annuitant may be named.

o    The Co-Annuitant must be the sole beneficiary of the Custodial  traditional
     IRA, Custodial Roth IRA, or the Custodial Simplified Employee Pension IRA.

o    The Annuitant must be age 79 or younger on the CSP Application Date.

o    The Co-Annuitant must be age 79 or younger on the CSP Application Date.

o    CSP may only be added when we issue the contract to the  Custodian.  We may
     require proof of marriage in a form satisfactory to us.

o    We have made no payments under any Income Plan.


Under CSP, the Co-Annuitant will be considered to be an Annuitant under the
Contract during the Accumulation Phase except that:

o    The Co-Annuitant  will not be considered to be an Annuitant for purposes of
     determining the Payout Start Date.

o    The "Death of  Annuitant"  provision of the Contract  does not apply on the
     death of the Co-Annuitant.

o    The  Co-Annuitant  is not considered the beneficial  owner of the Custodial
     traditional IRA, Custodial Roth IRA, or the Custodial  Simplified  Employee
     Pension IRA.

Death of Co-Annuitant.  If:

o    The Conditions are met.

o    The Annuitant was, at the time of the Co-Annuitant's  death, the beneficial
     owner of the Custodial  traditional  IRA,  Custodial Roth IRA, or Custodial
     Simplified Employee Pension IRA.

o    We have received proof satisfactory to us that the Co-Annuitant has died.

o    The  Co-Annuitant  was, at the time of the  Co-Annuitant's  death, the sole
     beneficiary  of the  Custodial  traditional  IRA,  Custodial  Roth IRA,  or
     Custodial Simplified Employee Pension IRA.

o    The Co-Annuitant  was, at the time of the  Co-Annuitant's  death, the legal
     spouse of the Annuitant, then

the Section Death of Co-Annuitant applies. If the Co-Annuitant dies prior to the
Payout Start Date, then, subject to the following conditions, the contract may
be continued according to the Death of Owner provisions under the same terms and
conditions that would apply if the Co-Annuitant were the Owner of the Contract
before death and the sole new Owner of the Contract were the Annuitant. provided
that:

o    The  Co-Annuitant  was the  legal  spouse of the  Annuitant  on the date of
     Annuitant's death.

o    The Owner does not thereafter name a new Co-Annuitant; and

o    The  Owner  of the  Custodial  traditional  IRA,  Custodial  Roth  IRA,  or
     Custodial Simplified Employee Pension IRA remains the Custodian; and

o    The Contract may only be continued once.

Termination of CSP. The Owner may terminate CSP upon the divorce of the
Annuitant and the Co-Annuitant by providing written notice and proof of divorce
in a form satisfactory to us. The Owner may also terminate CSP upon a change in
the beneficiary of the IRA by providing written notice and proof of the change
in a form satisfactory to us. CSP will terminate upon the date termination is
accepted by us or CSP will terminate on the earliest of the following
occurrences:

o    On the date CSP is terminated as described above; or

o    Upon the death of the Annuitant; or

o    Upon the death of the Co-Annuitant; or

o    On the date the Contract is terminated; or

o    On the Payout Start Date.