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                                                                     EXHIBIT 4.8


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

QUALIFIED PLAN RIDER

This Rider forms a part of the Certificate to which it is attached. The
applicable provisions of this Rider apply and take precedence over contrary
provisions if the Certificate: 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 Certificate Owner is the Annuitant.

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

C.   The Certificate 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 Certificate 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 Certificate 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 Certificate.

SECTION 2.  PROVISIONS APPLICABLE TO ERISA PLANS:

     At any time prior to the annuity date, an ERISA loan may be requested. One-
     half of the Certificate 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 Certificate Value less Debt. The minimum ERISA loan amount
     available is $1,000. We may defer the granting of an ERISA loan for six
     months from the date of our receipt of a written loan request.

L-8622                                                                    Page 1
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L-8622                                                                    Page 2

SECTION 3.  PROVISIONS APPLICABLE TO ALL LOANS

A.   Definitions:

     Certificate Value is the sum of the Fixed Account Certificate Value, the
     Loan Value, the Separate Account Certificate 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 Certificate Value, the Separate Account Certificate
     Value, and the Guarantee Period Value to 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 Certificate Value, this Certificate
     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 Certificate 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