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                                                                    Exhibit 4(e)

Kemper Investors Life Insurance Company
1 Kemper Drive, Long Grove, Illinois 60049-0001


QUALIFIED PLAN 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.  The applicable provisions of this Rider apply and take precedence
over contrary provisions of the Contract: a. is issued as a Code Section 403(b)
Tax Sheltered Annuity ("Tax Sheltered Annuity") to an individual; or b. is
issued under a plan described in Section 401(a) or 403(b) of the Code if subject
to the requirements of the Employee Retirement Income Security Act of 1974
(ERISA Plans").

SECTION 1 PROVISIONS APPLICABLE TO A TAX SHELTERED ANNUITY:

A. The Owner of the Contract is the Annuitant.

B. The rights of the Annuitant under the Contract are nonforfeitable.

C. The Contract is not transferable and cannot be: sold; assigned; discounted;
   or pledged as collateral for a loan or as security for the performance of an
   obligation or for any other purpose to any person other than us.

D. The amount that may be contributed to this Contract will be governed by the
   provisions of Sections 403(b), 415, and 402(g) of the Code.

E. In the case of benefits that accrued under this Contract after December 31,
   1986, distribution must be: a. made in accordance with the minimum
   distribution requirements of Section 403(b)(10) of the Code; and b. the
   regulations thereunder.

F. Distributions attributable to salary reduction contributions received or
   earnings credited after December 31, 1988 may be paid only when: a. the
   employee attains age 59 1/2; b. separates from service; or c. dies or is
   disabled. Notwithstanding the foregoing, contributions, but not earnings
   thereon, may be distributed in the case of hardship within the meaning of
   Code Section 403(b)(11)(B).

G. If the annuitant receives an eligible rollover distribution and elects to
   have the distribution paid directly to an eligible retirement plan (as
   defined in Section 402(c) of the Code) and specifies the eligible retirement
   plan to which the distribution is to be paid, then the distribution will be
   paid to that eligible retirement plan in a direct rollover.

H. We will not be responsible for the timing, purpose or propriety of any
   distribution. We will not incur any liability or responsibility of any tax
   imposed on account of any such distribution. We are not obligated to make any
   distribution absent a specific written direction in accordance with the
   provisions of the Contract.

SECTION 2. PROVISIONS APPLICABLE TO ERISA PLAN:

   At any time prior to annuity date, an ERISA loan may be requested. One-half
of the Contract will be assigned as security for such a loan. The maximum ERISA
loan amount available is the lesser of: a. $50,000 (reduced by the excess of the
highest outstanding loan balance of all loans during the prior 12 month period
ending on the day before the loan is made over any loan amount outstanding on
the date the loan is made); or b. fifty percent of the Contract Value less Debt.
The minimum ERISA loan amount available is $1,000. We may defer the granting of
an ERISA loan six months from the date of our receipt of a written loan request.

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SECTION 3. PROVISIONS APPLICABLE TO ALL LOANS

A. Definitions:

   Contract Value is the sum of the Fixed Account Contract Value, the Loan
   Value, the Separate Account Contract Value, and the Guarantee Period Value.

   Debt is the principal of any outstanding loan plus loan interest due or
   accrued.

   Loan Value is the outstanding loan amount plus interest credited.

B. When a loan is taken, an amount equal to the loan will be transferred from
   the Fixed Account Contract Value, the Separate Account Contract Value, and
   the Guarantee Period Value for the loan account. Unless you tell us
   otherwise, the loan will proportionately reduce the amount allocated to the
   Fixed Account, the Separate Account, and the Guarantee Periods.

C. The amount of Debt will reduce the amount payable upon death or surrender or
   the amount that may be applied under an annuity option.

D. While a loan is outstanding, the Loan Value will be credited with interest at
   a rate equal to the rate charged on Debt less a deduction not to exceed 2.5%.

E. A loan may be repaid in full or in part at any time prior to the Annuity
   Date.

F. Should the Debt equal or exceed the Contract Value, this Contract will
   terminate thirty-one days after we mail a notice of termination to your last
   known address. The Debt will be treated as a withdrawal. Notice of
   termination may be sent upon occurrence of an event outlined in Section 1(F).

G. The Owner must sign a loan agreement in the form prescribed by us to be
   eligible for a loan. The interest rate and any service fees charged on a loan
   will be as stated in the loan agreement. The loan will also be subject to the
   terms of the agreement to the extent not inconsistent with this rider.

H. All Debt must be repaid prior to the transfer of any amounts to another
   contract.

I. Failure to make timely repayment of Debt will result in a taxable
   distribution and possible tax penalties.

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