<PAGE>

--------------------------------------------------------------------------------
--------------------------------------------------------------------------------

                                 UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON DC 20549

                            ------------------------

                                   FORM 10-K

(MARK ONE)
/X/ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT
    OF 1934 [FEE REQUIRED]

    FOR THE FISCAL YEAR ENDED DECEMBER 31, 2001

                                       OR

/ / TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
    ACT OF 1934 [NO FEE REQUIRED]

FOR THE TRANSITION PERIOD FROM        COMMISSION FILE NUMBER
                                             33-71690

                            ------------------------

                      FIRST FORTIS LIFE INSURANCE COMPANY
             (Exact name of registrant as specified in its charter)



              NEW YORK                      13-2699219
   State or other jurisdiction of         (IRS Employer
   incorporation or organization       Identification No.)

        308 Maltbie St., SUITE
                200,
      SYRACUSE, NEW YORK 13204
  (Address of principal executive
              offices)


                 Registrant's telephone number: (315) 451-0066

                            ------------------------

        SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT: NONE

        SECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE ACT: NONE

                            ------------------------

    Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such
filing requirements for the past 90 days.

                      /X/  Yes                      / /  No

--------------------------------------------------------------------------------
--------------------------------------------------------------------------------





<PAGE>
                                     PART I

ITEM 1.  BUSINESS

    First Fortis is a New York corporation founded in 1971. It is qualified to
sell life insurance and annuity contracts in New York. First Fortis is a
wholly-owned subsidiary of Fortis, Inc., which is itself indirectly owned 50% by
Fortis N.V. and 50% by Fortis SA/NV. Fortis, Inc. manages the United States
operations for these two companies. The Company was acquired by the current
owners on March 24, 1989, to enable the Fortis group of companies the ability to
distribute their products to the New York State marketplace.

    Fortis N.V. is a diversified financial services company headquartered in
Utrecht, The Netherlands, where its insurance operations began in 1847. Fortis
SA/NV is a diversified financial services company headquartered in Brussels,
Belgium, where its insurance operations began in 1824. Fortis N.V. and Fortis
SA/NV have merged their operating companies under the trade name of Fortis. The
Fortis group of companies is active in insurance, banking and financial
services, and real estate development in The Netherlands, Belgium, the United
States, Western Europe, and the Pacific Rim.

    We offer and sell insurance products, including fixed and variable annuity
contracts, and group life, accident and health insurance policies. We market our
products to small business and individuals through a network of independent
agents, brokers, and financial institutions.

    All of the guarantees and commitments under the contracts are general
obligations of First Fortis, regardless of whether you have allocated the
contract value to the Variable Account or to the fixed account. None of First
Fortis' affiliated companies has any legal obligation to back First Fortis'
obligations under the contracts.

    Effective April 1, 2001, First Fortis contracted the administrative
servicing obligations for the contracts to Hartford Life Insurance Company
("Hartford Life"), a subsidiary of The Hartford Financial Services Group.
Although First Fortis remains responsible for all contract terms and conditions,
Hartford Life is responsible for servicing the contracts, including the payment
of benefits, oversight of investment management (i.e., the available investment
portfolio) and overall contract administration. This was part of a larger
transaction whereby Hartford Life reinsured all of the individual life insurance
and annuity business of First Fortis.

    The Company seeks to compete primarily on the basis of customer service,
product design, and, in the case of variable products the investment results
achieved. Many other insurance companies compete with the Company in each of its
markets, including on the basis of price. Many of these companies, which include
some of the largest and best known insurance companies, have considerably
greater resources than the Company.

    The Company is subject to regulation and supervision by the insurance
departments of the states in which it is licensed to do business. This
regulation covers a variety of areas, including benefit reserve requirements,
adequacy of insurance company capital and surplus, various operational
standards, and accounting and financial reporting procedures. the Company's
operations and accounts are subject to periodic examination by insurance
regulatory authorities.

    Under insurance guaranty fund laws in most states, insurers doing business
therein can be assessed up to prescribed limits for insurance contract losses,
if covered, incurred by insolvent companies. The amount of any future
assessments of the Company under these laws cannot be reasonably estimated. Most
of these laws do provide, however, that an assessment may be excused or deferred
if it would threaten an insurer's own financial strength.

    Although the federal government generally does not directly regulate the
business of insurance, federal initiatives often have an impact on the business
in a variety of ways. Federal measures that may adversely affect the insurance
business include health care reform, employee benefit regulation, controls on
medicare costs and medical entitlement programs, tax law changes affecting the
taxation of insurance companies or of insurance products, changes in the
relative desirability of various personal investment vehicles, and removal of
impediments on the entry of banking institutions into the business of insurance.

    Pursuant to state insurance laws and regulations, the Company is obligated
to carry on its books, as liabilities, reserves to meet its obligations under
outstanding insurance contracts. These reserves are based on assumptions about,
among other things, future claims experience and investment returns. Neither the
reserve requirements nor the other aspects of state insurance regulation provide
absolute protection to holders of insurance contracts, if the Company were to
incur claims or expenses at rates significantly higher than expected or
significant unexpected losses on its investments.

ITEM 2.  PROPERTIES

    The Company leases its home office building, consisting of 15,684 square
feet, in Syracuse, New York. It also leases space consisting of 9,471 square
feet for the maintenance of a sales office located in New York City and space
consisting of 2,539 square feet for a sales office in Rochester, NY. The Company
expects that this office space will be adequate for the foreseeable future.

ITEM 3.  LEGAL PROCEEDINGS

    The Company is a defendant in various lawsuits, none of which, in the
opinion of the Company counsel, will result in a material liability.

ITEM 4.  SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

    A meeting was held on May 4, 2001 in which the current directors of the
Company were elected.

<PAGE>

                                    PART II

ITEM 5.  MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

    Not applicable.

ITEM 6.  SELECTED FINANCIAL DATA

The following is a summary of certain financial data of First Fortis. This
summary has been derived in part from the financial statements of First Fortis
included elsewhere in this prospectus. You should read the following along with
these financial statements.

<Table>
<Caption>
                                                                                YEAR ENDED DECEMBER 31,
                                                                ------------------------------------------------------
                       (IN THOUSANDS)                             2001      2000        1999        1998        1997
                       --------------                             ----      ----        ----        ----        ----
<S>                                                            <C>        <C>         <C>         <C>         <C>
INCOME STATEMENT DATA
  Premiums..................................................   $ 62,266   $ 64,753    $ 60,213    $ 54,764    $ 51,846
  Net investment income.....................................     10,006      9,330       8,564       8,187       7,907
  Realized investment gains (losses)........................     (1,722)    (1,883)       (123)      1,436         361
  Other income..............................................      2,715      1,032         638         889         682
                                                               --------   --------    --------    --------    --------
     TOTAL REVENUES.........................................   $ 73,265   $ 73,232    $ 69,292    $ 65,276    $ 60,796
                                                               ========   ========    ========    ========    ========
  Benefits and expenses.....................................   $ 61,200   $ 66,469    $ 66,194    $ 61,477    $ 60,983
  Income tax expense (benefit)..............................      4,241      2,416       1,032       1,347         (63)
     Net income (loss)......................................      7,824      4,347       2,066       2,452        (124)
BALANCE SHEET DATA
  Total assets..............................................   $368,376   $265,997    $248,252    $217,502    $170,898
  Total liabilities.........................................    314,674    222,619     212,316     177,476     133,817
  Total shareholder's equity................................     59,300     43,378      35,936      40,026      37,081
</Table>


ITEM 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
         OF OPERATIONS

                              2001 COMPARED TO 2000

On April 1, 2001, Fortis, Inc. completed the sale (the "Sale") of its Fortis
Financial Group division (the "Division") to Hartford Life Insurance Company
("The Hartford"). The Division includes, among other blocks of business, certain
individual life insurance policies and annuity contracts (collectively, the
"Insurance Contracts") written by First Fortis Life Insurance Company (the
"Company").

To effect the Sale as it relates to the Company, The Hartford reinsured the
Insurance Contracts on a 100% coinsurance basis (or a 100% modified coinsurance
basis for some of the block) and agreed to administer the Insurance Contracts
going forward. The Company received in connection with the Sale aggregate cash
consideration of approximately $15 million from The Hartford. The reinsurance
transaction resulted in a gain of $10 million which was deferred and will be
amortized into income at the rate that earnings from the business sold would
have been expected to emerge.

On November 30, 2001, First Fortis Life Insurance Company ("FFLIC") acquired
100% of the issued and outstanding common stock of Bankers American Life
Assurance Company ("BALAC") from American Bankers Insurance Group, Inc. ("ABIG")
for a total purchase price of $32 million. FFLIC paid the purchase price in cash
using internally generated working capital.

<PAGE>
Also on November 30, 2001, and immediately following the stock purchase
described above, BALAC merged with and into FFLIC, with FFLIC as the surviving
corporation (the "Merger"). No consideration was exchanged in the Merger.

Both ABIG and FFLIC are wholly owned subsidiaries of Fortis, Inc., a Nevada
corporation that serves as a holding company for insurance and related business
in the U.S. FFLIC is, and BALAC was immediately prior to the Merger, a New York
life insurance company engaged in life and other lines of insurance business in
the State of New York. Fortis, Inc. determined that it was advisable to combine
the assets and operations of FFLIC and BALAC, so that it would have only one New
York-domiciled life insurance company. BALAC's assets, liabilities and
obligations, which have been transferred to FFLIC by operation of law as a
result of the Merger, consist primarily of outstanding insurance policies
written in the State of New York, and the related reserve assets, liabilities
and obligations.

On December 31, 2001, the Company purchased (the "Purchase") the Dental Benefits
Division of Protective Life Corporation ("Protective"). The Purchase includes
group dental, group life and group disability insurance products ("Insurance
Products"). The Company will reinsure these Insurance Products on a 100%
coinsurance basis and perform administration of such Insurance Products. The
Company paid $2.5 million for the business and recorded $1.6 million of goodwill
in the transaction.


REVENUES

The Company's life insurance is principally group life business and the premium
decreased from 2000 to 2001. This decrease is a result of lower persistency and
sales coupled with additional ceding premium paid to ceding companies in 2001
for higher coverage levels. Accident and health premiums increased during 2001
as compared to 2000 due to strong group dental sales. Accident and health
premiums are principally composed of group accident and health coverages.
Dental, disability income, and medical premium represented 55%, 45%, and 0%,
respectively, of total group accident and health premium in 2001 compared to
52%, 47%, and 1%, respectively, in 2000. The decrease in the group medical
premium as a percent of the total group accident and health premium is due to
the run-out of a block of business that discontinued sales in 1996.

The Company continues to match investment portfolio composition to liquidity
needs and capital requirements. Changes in interest rates during 2001 and 2000
resulted in recognition of realized gains and losses upon sales of securities.


BENEFITS

The ratio of life benefits to premium decreased in 2001 to 62% from 74% in 2000
primarily due to additional reinsurance coverage purchased in 2001. The accident
and health benefits as a percent of premium decreased to 71% in 2001 from 73% in
2000. This decrease is due to a decline in the dental benefit to premium ratio
as this line continues to see improved experience. The disability income line
maintained a 72% benefit to premium ratio from 2000 to 2001.

<PAGE>

EXPENSES

The Company continues to monitor its commission rate structures, and, as
indicated by market conditions, periodically adjusts rates paid. Rates paid vary
by product type, group size and duration.

The Company's general and administrative expense to premium ratio decreased from
20% in 2000 to 19% in 2001. The Company continues to strive for improvements in
the expense to gross revenue ratio while maintaining quality and timely services
to the policyholders.


                             2000 COMPARED TO 1999

REVENUES

First Fortis (the Company) life insurance is principally group life business and
the premium remained consistent from 1999 to 2000. Accident and health premiums
increased during 2000 as compared to 1999 due to strong group disability and
dental sales. Accident and health premiums are principally composed of group
accident and health coverages. Dental, disability income, and medical premium
represented 52%, 47%, and 1%, respectively, of total group accident and health
premium in 2000 compared to 48%, 46%, and 6%, respectively, in 1999. The
decrease in the group medical premium as a percent of the total group accident
and health premium is due to the run-out of a block of business that
discontinued sales in 1996.

The Company continues to match investment portfolio composition to liquidity
needs and capital requirements. Changes in interest rates during 2000 and 1999
resulted in recognition of realized gains and losses upon sales of securities.

BENEFITS

The ratio of life benefits to premium decreased in 2000 to 74% from 77% in 1999
due to more favorable mortality experience during 2000 in the group life line.
The decrease in accident and health benefits as a percent of premium to 73% in
2000 from 80% in 1999 is primarily due to both the dental and disability income
lines. The decrease in the dental benefit to premium ratio is due to higher
premium volume in 2000 along with favorable dental experience. The decrease in
the disability income benefit to premium ratio is due to a slightly higher
premium volume in 2000 as well as improved experience during the year.

EXPENSES

The Company continues to monitor its commission rate structures, and, as
indicated by market conditions, periodically adjusts rates paid. Rates paid vary
by product type, group size and duration.

The Company's general and administrative expense decreased $0.6 million from
1999 to 2000. Decreases in salary related expenses, banking fees and
depreciation costs account for this decrease. The Company continues to strive
for improvements in the expense to gross revenue ratio while maintaining quality
and timely services to the policyholders.

MARKET RISK AND RISK MANAGEMENT

Interest rate risk is the Company's primary market risk exposure. Substantial
and sustained increases and decreases in market interest rates can affect the
profitability of insurance products and market value of investments. The yield
realized on new investments generally increases or decreases in direct
relationship with interest rate changes. The market value of the Company's fixed
maturity and mortgage loan portfolios generally increases when interest rates
decrease, and decreases when interest rates increase.

Interest rate risk is monitored and controlled through asset/liability
management. As part of the risk management process, different economic scenarios
are modeled, including cash flow testing required for insurance regulatory
purposes, to determine that existing assets are adequate to meet projected
liability cash flows. A major component of the Company's asset/liability
management program is structuring the investment portfolio with cash flow
characteristics consistent with the cash flow characteristics of the Company's
insurance liabilities.

<PAGE>
The Company uses computer models to perform simulations of the cash flow
generated from existing insurance policies under various interest rate
scenarios. Information from these models is used in the determination of
interest crediting strategies and investment strategies. The asset/liability
management discipline includes strategies to minimize exposure to loss as market
interest rates change. On the basis of these analyses, management believes there
is no material solvency risk to the Company with respect to interest rate
movements up or down of 100 basis points from year end levels.

Equity market risk exposure is not significant. Equity investments in the
general account are not material enough to threaten solvency and contract owners
bear the investment risk related to the variable products. Therefore, the risks
associated with the investments supporting the variable separate accounts are
assumed by contract owners, not by the Company. The Company provides certain
minimum death benefits that depend on the performance of the variable separate
accounts. Currently the majority of these death benefit risks are reinsured
which then protects the Company from adverse mortality experience and prolonged
capital market decline.


LIQUIDITY AND CAPITAL RESOURCES

The liquidity requirements of the Company have been met by funds provided from
operations, including investment income. Funds are principally used to provide
for policy benefits, operating expenses, commissions and investment purchases.
The impact of the declining inforce medical business has been considered in
evaluating the Company's future liquidity needs. The Company expects its
operating activities to continue to generate sufficient funds.

The National Association of Insurance Commissioners has implemented risk-based
capital standards to determine the capital requirements of a life insurance
company based upon the risks inherent in its operations. These standards require
the computation of a risk-based capital amount which is then compared to a
company's actual total adjusted capital. Based upon current calculation using
these risk-based capital standards, the Company's percentage of total adjusted
capital is in excess of ratios which would require regulatory attention.

The Company has no long or short term debt. As of December 31, 2001, 98% of the
Company's fixed maturity investments consisted of investment grade bonds. The
Company does not expect this percentage to change significantly in the future.


REGULATION

The Company is subject to the laws and regulations established by the New York
State Insurance Department governing insurance business conducted in New York
State. Periodic audits are conducted by the New York Insurance Department
related to the Company's compliance with these laws and regulations. To date,
there have been no adverse findings regarding the Company's operations.


ITEM 7A.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.

    The matters set forth under the caption "Market Risk and Risk Management" in
Management's Discussion and Analysis of Results of Operations (Item 7 of this
report) are incorporated herein by reference.

ITEM 8.  FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

    The Company's financial statements attached hereto as Exhibit No. 99 are
incorporated by reference.

ITEM 9.  CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
         FINANCIAL DISCLOSURE

    None
<PAGE>

                                    PART III

ITEM 10.  DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT


<TABLE>
<CAPTION>



<S>                        <C>
Robert S. Pollock, 47       President, Chief Executive Officer and Chairman of
Director since 1995          the Board; President and Chief Executive Officer of
                             Fortis Benefits Insurance Company

Larry M. Cains, 55          Treasurer; Senior Vice President of Fortis, Inc.
Director since 1995

Terry J. Kryshak, 51        Senior Vice President and Chief Administrative Officer
Director Since 1991

Allen R. Freedman, 62       Past CEO and Chairman of the Board of Fortis, Inc.
Director since 1989

Dale Edward Gardner, 71     President, Gardner & Bull
Director Since 1989

Kenneth W. Nelson, 80       President, Tech Products, Inc.
Director Since 1989

Clarence Elkus Galston, 92  Attorney at Law
Director Since 1989

Esther L. Nelson 49         General Director/CEO, Glimmerglass Opera since 1996; before that,
Director since 1999          General Director/CEO of Nevada Opera

Barbara R. Hege, 58         Assistant Treasurer and Chief Financial Officer
Director since 1999

Katherine L. Greenzang, 37  Secretary; Senior Vice President-Legal of Fortis, Inc.

Barbara R. Hege, 58         Chief Financial Officer; Senior Vice President-Finance
                            of Fortis, Inc.
</TABLE>

    First Fortis' officers serve at the pleasure of the Board of Directors, and
members of the Board who are also officers or employees of First Fortis serve
without compensation. All Directors serve until their successors are duly
elected and qualified. The compensation of members of the Board who are not also
officers or employees of First Fortis or its affiliates is as follows. The
Director receives $1,000 for attendance at the annual Board meeting. If the
Director is also a member of the Audit Committee and/or the Investment
Committee, the Director also receives $1,000 for attending any meeting of such
committee unless the committee meeting date is the same as the annual meeting,
in which case the committee meeting compensation is $500.
<PAGE>

ITEM 11.  EXECUTIVE COMPENSATION
  SUMMARY COMPENSATION TABLE



<TABLE>
<CAPTION>
                                                                       ANNUAL COMPENSATION
                                                            -----------------------------------------
                                                                                      OTHER ANNUAL         ALL OTHER
                                                              SALARY       BONUS      COMPENSATION       COMPENSATION (1)
NAME AND PRINCIPAL POSITION                        YEAR         ($)         ($)            ($)                ($)
-----------------------------------------------  ---------  -----------  ---------  -----------------   -----------------

<S>                                             <C>        <C>          <C>        <C>                 <C>
Robert B. Pollock..............................       2001  $         0  $       0      $       0        $       0
  President                                           2000            0          0              0                0

Terry J. Kryshak...............................       2001      134,000     53,200              0           13,104
  Senior Vice President and                           2000      127,000     40,260              0            9,600
  Chief Administrative Officer                        1999      122,000     30,645              0            9,159

</TABLE>


(1) This column includes contributions made by First Fortis for the year for the
    benefit for the named individual to defined contribution retirement plans.

    As additional compensation to its employees and executive officers, First
Fortis has has established the Fortis Pension Plan and the Fortis Executive
Pension Plan which generally provide an annual annuity benefit upon retirement
at age 65 (or a reduced benefit upon early retirement) equal to: .9% of the
employee's Average Annual compensation up to the employee's social security
covered compensation, plus 1.3% of Average Annual compensation above the
employee's social security covered compensation up to $235,840, as adjusted by
an index, multiplied by the employee's years of credited services.

    The following table illustrates the combined estimated life annuity benefit
payable from the Fortis Pension Plan and the Fortis Executive Pension Plan to
employees with the specified Final Average Salary and Years of Service upon
retirement.

PENSION TABLE



<TABLE>
<CAPTION>

        2001                                   YEARS OF SERVICE
      EARNINGS            10         15         20         25         30         35

<S>                      <C>        <C>        <C>        <C>        <C>        <C>
      125,000             14,762     22,142     29,523     36,904     44,285     51,665
      150,000             18,012     27,017     36,023     45,029     54,035     63,040
      175,000             21,262     31,892     42,523     53,154     63,785     74,415
      200,000             24,512     36,767     49,023     61,279     73,535     85,790
      225,000             27,762     41,642     55,523     69,404     83,285     97,165
      250,000             31,012     46,517     62,023     77,529     93,035    108,540
      275,000             33,612     50,418     67,224     84,030    100,836    117,642
      285,000 +           33,872     50,808     67,744     84,680    101,616    118,552
</TABLE>


    The table above excludes social security benefits. In general, for the
purposes of these plans compensation includes salary and bonuses. The credited
years of service with First Fortis for those individuals named in the Summary
Compensation Table above are as follows: 2 and 10.

ITEM 12.  SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

    (a) Security Ownership of Certain Beneficial Owners



<TABLE>
<CAPTION>
                                                          PERCENTAGE
                                          NUMBER OF     OF OUTSTANDING
  NAME & ADDRESS OF BENEFICIAL OWNER       SHARES       VOTING SHARES
---------------------------------------  -----------  ------------------

<S>                                     <C>          <C>
Fortis, Inc.                                100,000          100%
 One Chase Manhattan Plaza
 New York, NY 10005

</TABLE>



<PAGE>

    (b) Security Ownership of Management

    None.

    (c) Changes in Control

    None.

ITEM 13.  CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

    None.


<PAGE>

                                    PART IV

ITEM 14.  EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K

(a)(1)The following financial statements of First Fortis Life Insurance Company
      are included in Item 8:

       Reports of Independent Auditors

       Balance Sheets at December 31, 2001 and 2000

       Statements of Operations for the years ended December 31, 2001, 2000, and
       1999

       Statements of Changes in Shareholder's Equity for the years ended
       December 31, 2001, 2000, and 1999

       Statements of Cash Flows for the years ended December 31, 2001, 2000, and
       1999.

       Notes to Financial Statements

(a)(2) The information required by the following financial statement schedules
       for First Fortis Life Insurance Company are included in Item 8:

       I.  Summary of Investments -- Other than Investments in Related Parties
           -- Contained in the Notes to Financial Statements.

       II. Condensed Financial Information of Registrant -- Not applicable

       III. Supplementary Insurance Information -- Contained in Financials and
            Notes to Financial Statements.

       IV. Reinsurance -- Contained in the Notes to Financial Statements.

       V.  Valuation and Qualifying Accounts -- Contained in the Financial
           Statements and Notes to Financial Statements.

    All other schedules to the financial statements required by Article 7 of the
Regulation S-X are not required under the related instructions or are
inapplicable and therefore have been omitted.

(a)(3) Listing of Exhibits

       2. None.

       3.(a) Articles of Incorporation of First Fortis Life Insurance Company --
       Incorporated by reference from Form 10-K filed by registrant, File No.
       33-71690, on March 29, 1996.

        (b) By-laws of First Fortis Life Insurance Company (Incorporated by
       reference from Form N-4 Registration Statement, File No. 33-71686, of
       registrant and its Separate Account A filed on November 15, 1993);

       4.(a) Form of Combination Fixed and Variable Group Annuity Contract;
       (Incorporated by reference from Post-Effective Amendment No. 2 to Form
       N-4 Registration Statement, File No. 33-71686, of registrant and its
       Separate Account A filed on April 27, 1995);

        (b) Form of Application to be used in connection with Contract filed as
       Exhibit 4 (a) (Incorporated by reference from Post-Effective Amendment
       No. 2 to Form N-4 Registration Statement, File No. 33-71686, of
       registrant and its Separate Account A filed on April 27, 1995);

        (c) Form of IRA Endorsement (Incorporated by reference from
       Post-Effective Amendment No. 2 to Form N-4 Registration Statement, File
       No. 33-71686, of registrant and its Separate Account A filed on April 27,
       1995);

        (d) Form of Section 403(b) Annuity Endorsement (Incorporated by
       reference from Post-Effective Amendment No. 2 to Form N-4 Registration
       Statement, File No. 33-71686, of registrant and its Separate Account A
       filed on April 27, 1995);

<PAGE>

24. Power of Attorney for Messrs. Gardner, Nelson and Galston.
    (Incorporated by reference from Form N-4 Registration Statement, File No.
    33-71686, of registrant and its Separate Account A filed on February 28,
    1995.)

99. First Fortis Life Insurance Company Financial Statements.

(b)    Reports on Form 8-K filed in the fourth quarter of 2001

       On December 13, 2001 a form 8-K report was filed regarding the purchase
       of Bankers American Life Insurance Company and the merger of that company
       into First Fortis Life Insurance Company.

(c)    Exhibits

       Included in 14 (a)(3) above.

(d)    Financial Statement Schedules

       Included in 14(a)(2) above.


<PAGE>

                                   SIGNATURES

    Pursuant to the requirements of Section 13 or 15(d) of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized on this 28th day of
March, 2002.

                                          FIRST FORTIS LIFE INSURANCE COMPANY
                                          By:     /s/ Robert S. Pollock
                                             -----------------------------------
                                                      Robert S. Pollock
                                             PRESIDENT, CHIEF EXECUTIVE OFFICER
                                                  AND CHAIRMAN OF THE BOARD
                                                (PRINCIPAL EXECUTIVE OFFICER)

    Pursuant to the requirements of the Securities Exchange Act of 1934, this
report has been duly signed below by the following persons on behalf of the
registrant and in the capacities indicated on the 28th day of March, 2002. The
following persons represent a majority of the Board of Directors of First Fortis
Life Insurance Company:

<TABLE>
<CAPTION>


                       SIGNATURE                                          TITLE WITH FIRST FORTIS
--------------------------------------------------------  --------------------------------------------------------


<S>                                                      <C>
              /s/   Robert B. Pollock
      --------------------------------------------        President, Chief Executive Officer and Chairman of
                    Robert B. Pollock                     the Board (Principal Executive Officer)

              /s/   TERRY J. KRYSHAK
      --------------------------------------------        Sr. Vice President and Chief Administrative Officer and
                    Terry J. Kryshak                      Director

             /s/    LARRY M. CAINS
      --------------------------------------------        Treasurer and Director (Principal Financial Officer)
                     Larry M. Cains

              /s/   BARBARA R. HEGE
      --------------------------------------------        Chief Financial Officer and Director
                    Barbara R. Hege

                           *
      --------------------------------------------        Director
                  Clarence E. Galston

                           *
      --------------------------------------------        Director
                  Dale Edward Gardner

                           *
      --------------------------------------------        Director
                 Kenneth Warwick Nelson


      --------------------------------------------        Director
                   Esther L. Nelson


*By              /s/ TERRY J. KRYSHAK
      --------------------------------------------
                   Terry J. Kryshak
                   ATTORNEY-IN-FACT

</TABLE>