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                                  EXHIBIT 4(h)

                     ADDITIONAL DEATH BENEFIT RIDER - EXTRA
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                     PEOPLES BENEFIT LIFE INSURANCE COMPANY
    A Stock Company
    Home Office located at: 4333 Edgewood Road N.E., Cedar Rapids, Iowa 52499
    (Hereafter called the Company, we, our or us)    (800)-525-6205


ADDITIONAL DEATH BENEFIT RIDER

We issued this rider as a part of the policy to which it is attached.

This rider will pay an Additional Death Benefit Amount equal to a percentage of
the gains accumulated in the policy since the rider was added plus a percentage
of any remaining death proceeds from the day the rider was added. This
Additional Death Benefit, if any, will be paid whenever death proceeds are
payable on the base policy to which this rider is attached.

This rider will be considered terminated when the policy is annuitized or
surrendered, or an Additional Death Benefit is paid or added to the policy
under spousal continuation under the terms of this rider. You may also cancel
this benefit at any time by notifying us at our service center. However, if the
rider is terminated it can not be re-elected within a year after it was last
terminated. Once re-elected, a new rider will be issued and the Additional
Death Benefit amount will be re-determined.

Policy Number:
Rider Date:
Rider Benefit Percentage:
Initial Death Benefit Option:
Rider Fee Percentage:

DEFINITIONS

Future Growth
The policy gains accrued and not previously withdrawn since the Rider Date. On a
given date, this amount is equal to: the death proceeds of the base policy on
that date; minus the death proceeds of the base policy on the Rider Date; minus
premiums paid after the rider date; plus amounts withdrawn from the Policy
Value after the Rider Date that exceed the Future Growth immediately prior to
the withdrawal. This amount may be zero, but will never be less than zero.

Rider Anniversary
The anniversary of the Rider Date for each year the rider remains in force.

Rider Benefit Base
This amount is equal to the Future Growth plus a remaining amount of initial
death proceeds. The remaining amount of initial death proceeds is defined as the
Initial Death Benefit Option, as shown above, multiplied by the death proceeds
of the base policy on the Rider Date; minus amounts withdrawn from the Policy
Value after the Rider Date that exceed the Future Growth immediately prior to
the withdrawal. This amount may be zero, but will never be less than zero.

Rider Date
The date that this rider is added to the policy.

Rider Fee
A Rider Fee is deducted annually on each Rider Anniversary prior to
annuitization. The Rider Fee amount is equal to the Rider Fee Percentage above
multiplied by the Policy Value on the date the fee is deducted. We will also
deduct this fee upon full surrender of the policy or other termination of the
rider. The Rider Fee is deducted pro rata from each Investment Option. The fee
is deducted even during periods when the Additional Death Benefit rider would
not pay any benefit.

RTP 13 1101
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ADDITIONAL DEATH BENEFIT AMOUNT
If death proceeds are payable under the terms of the base policy to which this
rider is attached, this rider will pay an Additional Death Benefit. If death
occurs prior to the fifth Rider Anniversary, the rider will pay an Additional
Death Benefit equal to the sum of all Rider Fees paid since the Rider Date. If
death occurs on or after the fifth Rider Anniversary, the rider will pay an
Additional Death Benefit equal to the rider Benefit Percentage multiplied by the
Rider Benefit Base on the date used to calculate the death proceeds.

SPOUSAL CONTINUATION
If a death occurs and the base contract gives the spouse the right to continue
the contract, and the deceased's spouse, if any, is continuing the base policy
in lieu of receiving the death proceeds, the continuing spouse will receive a
one-time Policy Value increase equal to the amount of the Additional Death
Benefit. At this time the rider would terminate.



RTP 13 1101 (2)

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Additional Death Benefit Example:
The Additional Death Benefit rider is added to a new policy opened with $100,000
initial premium. The Rider Benefit is 40%. The client chose a 75% Initial Death
Benefit Option with a Rider Fee of 0.60%. On the first and second Rider
Anniversaries, the Policy Value is $110,000 and $95,000 respectively when the
Rider Fees are deducted. The client adds $25,000 premium in the third Rider Year
when the Death Proceeds are equal to $115,000 and then takes a withdrawal of
$35,000 during the fourth Rider Year when the Death Proceeds are equal to
$145,000. After five years, the Death Proceeds have grown to $130,000.


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Additional Death Benefit Example Calculations:
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<S>                                                                                                              <C>
Death Proceeds on Rider Date                                                                                      $100,000
Additional Death Benefit during first Rider Year                                                                  $      0
Rider Fee on first Rider Anniversary (= Rider Fee * Policy Value = 0.60% * $110,000)                              $    660
Additional Death Benefit during 2nd Rider Year (= sum of total Rider Fees paid)                                   $    660
Rider Fee on second Rider Anniversary (= Rider Fee * Policy Value = 0.60% * $95,000)                              $    570
Additional Death Benefit during 3rd Rider Year (= sum of total Rider Fees paid = $660 + $570)                     $  1,230

Rider Fees will continue to be deducted each Rider Anniversary.

Future Growth prior to premium payment in 3rd year (= Current Death Proceeds - Death Proceeds on Rider Date
 - Premiums paid after Rider Date + Withdrawal amounts that exceed Future Growth prior to withdrawal =
 $115,000 - $100,000 - $0 + $0)                                                                                   $ 15,000

Amount of Initial Death Proceeds remaining (= Initial Death Benefit Option * Death Proceeds on Rider Date -
 withdrawal amounts that exceed Future Growth prior to withdrawal = 75% * $100,000 - $0)                          $ 75,000

Rider Benefit Base (= Future Growth + Amount of Initial Death Proceeds remaining = $15,000 + $75,000)             $ 90,000
Death Proceeds after premium payment in 3rd year                                                                  $140,000
Future Growth after premium payment ($140,000 - $100,000 - $25,000 + $0)                                          $ 15,000
Amount of Initial Death Proceeds remaining (= 75% * $100,000 - $0)                                                $ 75,000
Rider Benefit Base (= $15,000 + $75,000)                                                                          $ 90,000

Future Growth prior to withdrawal in 4th Rider Year (= $145,000 - $100,000 - $25,000 + $0)                        $ 20,000
Amount of Withdrawal that exceeds Future Growth prior to withdrawal (= $35,000 - $20,000)                         $ 15,000
Death Proceeds after withdrawal (assumes no withdrawal adjustments)                                               $110,000
Future Growth just after withdrawal in 4th Rider Year (= $110,000 - $100,000 - $25,000 + $15,000)                 $      0
Amount of Initial Death Proceeds remaining after withdrawal (= 75% * $100,000 - $15,000)                          $ 60,000
Rider Benefit Base (= $0 + $60,000)                                                                               $ 60,000

Future Growth after 5 Rider Years (=$130,000 - $100,000 - $25,000 + $15,000)                                      $ 20,000
Amount of Initial Death Proceeds remaining (= 75% * $100,000 - $15,000)                                           $ 60,000
Rider Benefit Base (= $20,000 + $60,000)                                                                          $ 80,000
Additional Death Benefit after 5 Rider Years = Rider Benefit Percentage *
Rider Benefit Base = 40% * $80,000                                                                                $ 32,000
Total Death Proceeds  (= base policy Death Proceeds + Additional Death Benefit Amount = $130,000 + $32,000)       $162,000
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                       Signed for Us at our Home Office.

RTP 13 1101 (3)