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                                 EXHIBIT 4(i)

                             AMENDATORY ENDORSEMENT
                            LIFE WITH EMERGENCY CASH

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                     Peoples Benefit Life Insurance Company
    A Stock Company
    Home Office located at: 4333 Edgewood Road NE, Cedar Rapids, Iowa 52499
    (Hereafter called the Company, we, our or us)  (800)-525-6205


                             AMENDATORY ENDORSEMENT


This endorsement is made a part of the annuity contract to which it is attached,
and the following section is amended with additional language to the following
provisions as follows:


SECTION 10 - ANNUITY PAYMENTS

B. FIXED ACCOUNT PAYMENTS

Option 6 - Life with Emergency Cash

Level payments will be made during the joint lifetime of the Payee and a joint
Payee of Your selection. Payments will be made as long as either person is
living, but the annuity may be surrendered (in full or part). The cash value is
equal to a multiple of the payment where that multiple reduces over time to zero
at age 101 of the younger Annuitant. A surrender charge will be applied. Should
the last surviving Annuitant die before age 101 (or IRS Age Limitation Date if
earlier and the contract is qualified), the same cash value would be payable,
but without the surrender charge.


C. VARIABLE ACCOUNT PAYMENT OPTIONS

Determination of the First Variable Payment

Option 3-V - Life Income
An election may be made among:

3. Life with Emergency Cash - We will make payments during the Annuitant's
lifetime, but the annuity may be surrendered (in full or part). The cash value
is equal to a multiple of the Supportable Payment (see definition below), where
the multiple reduces over time to zero at age 101. A surrender charge will be
applied. Should the Annuitant die before age 101 (or IRS Age Limitation Date if
earlier and the contract is qualified), the same cash value would be payable,
but without the surrender charge.


Option 6-V - Joint and Survivor Annuity - Life with Emergency Cash

Payments will be made during the joint lifetime of the Payee and a joint Payee
of Your selection. Payments will be made as long as either person is living, but
the annuity may be surrendered (in full or part). The cash value is equal to a
multiple of the Supportable Payment (see definition below), where that multiple
reduces over time to zero at age 101 of the younger Annuitant. A surrender
charge will be applied. Should the last surviving Annuitant die before age 101
(or IRS Age Limitation Date if earlier and the contract is qualified), the same
cash value would be payable, but without the surrender charge.

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Supportable Payment
The Supportable Payment is the sum of each selected subaccount's variable
annuity unit value times the number of variable annuity units. The variable
annuity units are adjusted to reflect the year-to-date difference between the
stabilized payment and the payment had they not been stabilized. Supportable
Payments are used to determine surrender values, death benefits and transfers.

Determination of Subsequent Variable Payments
The amount of each variable annuity payment after the first will increase or
decrease according to the value of the variable annuity units which reflect the
investment experience of the selected Subaccounts. Each variable annuity payment
after the first will be equal to the number of variable annuity units in the
selected Subaccounts multiplied by the variable annuity unit value on the date
the payment is made. The number of variable annuity units in each selected
Subaccount is determined by dividing the first variable annuity payment
allocated to the Subaccount by the variable annuity unit value of that
Subaccount on the Annuity Commencement Date. If "Life with Emergency Cash" is
chosen (Option 3-V(3) or 6-V), payments would be "stabilized" (would change only
once per year) but "value adjustments" would be made to ensure full value would
be received.



                  Signed for the Company at the Home Office.

/s/ Craig D. Vermie                /s/ Bart Herbert, Jr.

Craig D. Vermie                    Bart Herbert, Jr.
Secretary                          President


Form No. AE LEC 0302

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