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                                                                    Exhibit 4(k)

Kemper Investors Life Insurance Company
Kemper Drive, Long Grove, Illinois 60049-001


INDIVIDUAL RETIREMENT ANNUITY RIDER

As used in this Rider, "Contract" means the Contract or Certificate to which
this Rider is attached.  This Rider forms a part of the contract to which it is
attached from the effective date of the contract.  It expires concurrently with
the contract and is subject to all the provisions, definitions, limitations and
conditions of the contract not changed by this Rider.  It is issued by Kemper
Investors Life Insurance Company (we, us, ours) to qualify the coverage provided
as an Individual Retirement Annuity ("IRA") as described under Section 408(b) of
the Internal Revenue Code of 1986, as amended ("Code").

It is hereby agreed that the contract to which this Rider is attached is amended
as follows:

Section 1.
OWNERSHIP - EXCLUSIVE BENEFIT - TRANSFERABILITY - NON FORFEITURE - NON
ASSIGNABLE

The annuitant will be the owner of any IRA established under this contract.
This IRA is established for the exclusive benefit of the annuitant and his or
her beneficiaries. The annuitant's interest in this IRA cannot be: transferred;
forfeited; assigned; discounted; borrowed against; or pledged as security for
any purpose.

Section 2.
PREMIUM PAYMENTS - LIMITATIONS

We will only accept cash contributions. Except in the case of a rollover
contribution allowed by Sections 402(c), 403(a)(4), 403(b)(8) or 408(d)(3), of
the Code or a contribution to a Simplified Employee Pension Program ("SEP")
described in Section 408(k), we will not accept contributions of more than
$2,000 for any tax year. Pursuant to Code Section 219(c)(1), in the case of a
spousal IRA, payments to all IRAs for any tax year can not be more than $4,000.
No more than $2,000 of this amount can be credited to the IRA of either spouse.
If the contract is an immediate Annuity Contract, no further contributions will
be allowed.

Any refund of premiums will be applied, before the close of the calendar year
that follows the year of the refund, toward; a. the payment of future
contributions; b. the purchase of increased benefits. This does not apply to
premiums that can be attributed to excess contributions.

Section 3.
TIME AND MANNER OF DISTRIBUTION

Notwithstanding any provision herein to the contrary, distribution of an
annuitant's interest under this Section and Section 4 will be made in accordance
with the minimum distribution rules of Sections 401(a)(9) and 408(b)(3) of the
Code and the regulations thereunder. This includes the incidental death benefit
provisions of Section 1.401(a)(9)-2 of the proposed regulations. All of these
are herein incorporated by reference.

Distribution of an annuitant's interest must start by the first day of April
after the calendar year in which he or she attains age 70 1/2. The election of
one of the payout options must be made at least 60 days prior to the date it is
to begin. For each succeeding year, distribution must be made on or before
December 31. The payout option elected must result in distribution of equal or
substantially equal payments which conform with one of the following: a. over
the annuitant's life; b. over the annuitant's life and the life of his or her
designated beneficiary; c. over a specified period that may not be longer than
the annuitant's life expectancy; d. over a specified period that may not be
longer than the joint life and last survivor expectancy of the annuitant and his
or her designated beneficiary. A single sum payment may also be elected.

If payments under a chosen option are guaranteed, the period of guarantee may
not exceed the annuitant's expected life, or the expected lives of the joint and
last survivor of the annuitant and the secondary annuitant. This limit also
applies to Option 1 under the contract.

Section 4.
DISTRIBUTION UPON DEATH

a Immediate Annuity Contracts

If this Rider is attached to an Immediate Annuity Contract and the annuitant
dies, distribution will continue to be made, if due, as provided in the
contract.

b. Other Annuity Contracts

If this Rider is not attached to an Immediate Annuity Contract, the rules that
follow will apply.

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If the annuitant dies after distribution has begun, the unpaid portion of the
annuitant's interest that remains will continue to be paid under the payout
option in effect.

If the annuitant dies before a payout option has begun, the entire interest that
remains must be distributed in accordance with one of the provisions that
follow:

1.   The annuitant's entire interest will be paid to the beneficiary by December
31 of the year containing the fifth anniversary of the annuitant's death.

2.   If the annuitant's interest is payable to a beneficiary who is not the
surviving spouse, and the annuitant has not elected b.1. of this section, then
the entire interest will be distributed under Option 3 of the contract starting
no later than December 31 of the year that follows the year of the annuitant's
death. The period of guarantee will be the lesser of: a. ten years; or b. the
expected life of the beneficiary.

3.   If the beneficiary is the surviving spouse, the spouse may receive payout
under: Option 2 or 3 of the contract; or b.1. of this section; or the spouse may
treat the annuity as his or her own IRA. This election will be deemed to have
been made if such surviving spouse: makes a regular IRA contribution to the
contract; makes a rollover contribution to or from the contract; or fails to
elect any other option provided. Payments under Option 2 or 3 must start prior
to December 31st of the year in which the annuitant would have attained age
70 1/2. The surviving spouse must elect this option within 300 days after the
annuitant's death. If not, we will payout under the method of b.2. of this
section.

4.   The entire interest will be paid in a lump sum to the annuitant's estate
if: a. the annuitant has not designated a beneficiary prior to his or her death;
or b. the beneficiary does not survive the annuitant.

Section 5.
REPORTS

We will send the annuitant an annual report on this IRA.

Section 6.
AMENDMENTS

We will send the annuitant a copy of any amendment needed to maintain the
annuity on a tax-qualified basis in a timely manner. It will be deemed accepted
by the annuitant unless returned to us within ten days of receipt.

Section 7.
OTHER ITEMS

The term Immediate Annuity means an annuity which at issue provides that a
payout of benefits is scheduled to start within eleven months of its effective
date. Unless otherwise provided, the annuitant must make an election at least 60
days before a payout is to start. The election is made by sending us a request
in writing. An election takes effect only if we receive it while the annuitant
is alive.

An individual may satisfy the minimum distribution requirements under Sections
408(a)(6) and 408(b)(3) of the Code by receiving a distribution from one IRA
that is equal to the amount required to satisfy the minimum distribution
requirements for two or more IRAs. For this purpose, the owner of the two or
more IRAs may use the "alternative Method" described in Notice 88-38, 1988-1
C.B. 524, to satisfy the minimum distribution requirements described above.

Life expectancy and joint and last survivor expectancy are computed by use of
the return multiples contained in Tables V and VI of Section 1.72-9 of the
Income Tax Regulations. Life expectancies will be calculated using the
annuitant's or the annuitant's beneficiary's attained age at the time
distribution is required to begin.

In the event of conflict between the foregoing provisions of this Rider and any
provision of the contract, the Rider will override the contract. All other
provisions of the contract remain in full force and effect.

Signed for the Kemper Investors Life Insurance Company at its home office in
Long Grove, Illinois.


    /s/ Debra P. Rezabek                          /s/ Gale K. Caruso

        Secretary                                     President