EXHIBIT 4(c)    Form of guaranteed minimum accumulation benefit Rider.

Guaranteed Minimum Accumulation Benefit Rider

THIS RIDER IS PART OF THE CONTRACT TO WHICH IT IS ATTACHED. IT IS SUBJECT TO THE
TERMS, CONDITIONS, AND PROVISIONS CONTAINED IN THE CONTRACT. THE PROVISIONS OF
THIS RIDER WILL SUPERSEDE ANY CONFLICTING PROVISIONS OF THE CONTRACT.


DEFINITION             CONTRACT. When this rider is attached to a Certificate
                       issued under a Group Contract, "Contract" herein means
                       the Certificate. Otherwise, "Contract" may refer to
                       either an individually issued Contract or Policy.

EFFECTIVE DATE         If elected upon the initial Contract application,
                       this rider is effective on the Contract's date of issue.
                       If elected after the Contract date of issue, this rider
                       is effective on the date we issue the rider as attached
                       to the Contract.

BENEFIT                At the end of the 5th and 10th Contract Year from the
                       effective date of the Guarantee Period and while this
                       rider is in force, if Contract Value allocated to a Rider
                       Guarantee Period is less than the Guaranteed Amount, the
                       Company will automatically credit to that allocated
                       Contract Value such amount as necessary so that the
                       allocated Contract Value equals the Guaranteed Amount.

                       Contract Value may be allocated to the Rider at any time
                       after the Rider is issued. Each allocation of Contract
                       Value to the Rider has its own Guarantee Period.

                       The Guaranteed Amount is defined as follows:

                        1. At the end of the 5th Contract Year from the
                           allocation of Contract Value to the Rider, the
                           allocated Contract Value is guaranteed to be 105%
                           of the initial allocated amount, less any
                           withdrawals.

                        2. At the end of the 10th Contract Year from the
                           allocation of Contract Value to the Rider, the
                           allocated Contract Value is guaranteed to be the
                           greater of:

                            (a) 120% of the initial allocated amount, or
                            (b) The highest Contract Value of the allocated
                                amount since the date of the initial allocation
                                and less any withdrawals.

COST OF RIDER          The charge for this rider is deducted from the
                       Separate Account Contract Value allocated to the Rider on
                       a monthly basis until all Rider guarantees end.

INVESTMENTS            Each allocation of Contract Value to the Rider must be
                       allocated to or among the following investment options:
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                       Old Mutual VA Asset Allocation Portfolios:
                       o    Balanced Portfolio
                       o    Conservative Portfolio
                       o    Moderate Growth Portfolio

                      OM Financial Asset Allocation Models:
                       o    Conservative Model
                       o    Moderately Conservative Model
                       o    Moderate Model
                       o    Moderately Aggressive Model

WITHDRAWALS            Withdrawals of Contract Value will be taken
                       proportionately from any Fixed Rate accounts and
                       investment options and will reduce the Guaranteed Amounts
                       proportionately.

TERMINATION OF RIDER   This rider will automatically terminate at the
                       end of the guarantee period or upon the death of the
                       annuitant or joint annuitant. The rider cannot otherwise
                       be terminated. Any remaining benefits under the rider
                       will terminate at that time and no further benefits will
                       be payable. Once terminated, the rider can be re-elected
                       for allocations of additional Contract Value to the
                       rider.


NONPARTICIPATING       Dividends are not payable.




Signed for the
Company.

OM FINANCIAL LIFE INSURANCE COMPANY




               President