Exhibit 4.G



 EXHIBIT (4)(g) 
  
 FORM OF RIDER (LIQUIDITY) 
  









 

 
  
 SURRENDER CHARGE MODIFICATION
RIDER 
  
 We issued this rider as a part of the policy to which it is
attached. 
  
 The Surrender Charge Provision in Section 5 is replaced by the
following language: 
  
 SURRENDER CHARGES 
  
 Amounts withdrawn in excess of the Surrender Charge free amount specified in the withdrawal
provisions above are subject to a Surrender Charge. The amount of this charge, if any, will be a percentage, as shown in the table below, of the amount of premium withdrawn: 
  

			
	 Number of Years
Since Premium
Payment Date

	  	Percentage of
Premium Withdrawn


	 0-1
	  	8%
	 1-2
	  	8%
	 2-3
	  	7%
	 3-4
	  	6%
	 4 or more
	  	0%

  
 For Surrender Charge purposes, all
earnings are considered to be withdrawn first. After all earnings are withdrawn then the oldest premium payment is the first premium payment considered to be withdrawn. If the amount withdrawn exceeds this, the next oldest premium payment is
considered to be withdrawn, and so on until the most recent premium payments are deemed to be withdrawn (the procedure being applied to Withdrawals of premium is a “First-In, First-Out” or FIFO procedure). 
  
 The Agreement provision of the Face Page, is replaced by the following language:

  
 WE AGREE 
  

	 	•	To provide annuity payments as set forth in Section 10 of this policy, 

  

	 	•	Or to pay Withdrawal benefits in accordance with Section 5 of this policy, 

  

	 	•	Or to pay death proceeds in accordance with Section 9 of this policy. 

  
 This policy permits the accumulation of funds on a tax-deferred basis and provides a periodic annuity payment for the life of the Annuitant or for a certain period of
time. Payments start on the Annuity Commencement Date. 
  
 The smallest annual
rate of investment return that would have to be earned on the assets of the Separate Account so that the dollar amount of variable Annuity Payments will not decrease is 6.25% 
  
 RLS 4 503 
  









 Prior to the Annuity Commencement Date, a daily charge corresponding to an annual charge of 1.95% for the Annual Step-Up
death benefit option for Policy Years 1-4 (1.45% for Policy Years 5 or more), or 1.80% for the Return of Premium death benefit option for Policy Years 1-4 (1.30% for Policy Years 5 or more) is applied by the Company to the assets of the Separate
Account. The corresponding annual charge after the Annuity Commencement Date is 1.25%, regardless of the death benefit option elected prior to the Annuity Commencement Date. In addition, a maximum annual Service Charge of $30 is assessed (prior to
the Annuity Commencement Date only) on each Policy Anniversary if either the sum of premiums less Withdrawals is less than $50,000 (or the Account Value is less than $50,000) on the Policy Anniversary. See the “Service Charge” provision in
Section 4 and the “Charges and Deductions” provision in Section 6 of this policy for more details. 
  
 These agreements are subject to the provisions of this policy. This policy is issued in consideration of the application and payment of the initial premium as provided. 
  
 This policy may be applied for and issued to qualify as a tax-qualified annuity under the
applicable sections of the Internal Revenue Code. 
  
 Signed for Us
at our Home Office. 
  

					
			
	

	 	 	 	


	SECRETARY	 	 	 	PRESIDENT

  
 RLS 4 503 (2)