Exhibit 4(b)



 EXHIBIT 4(b) 
 FORM OF DEATH BENEFIT RIDER (RETURN OF PREMIUM) 








			
	 




	  	 Home Office:
 4333 Edgewood
Road N.E.
 Cedar Rapids, Iowa 52499

(319)355-8511


 DEATH BENEFIT RIDER 
 The Guaranteed Minimum Death Benefit provision in the Death Proceeds Section of the policy to which this Rider is attached, is amended to include the addition of the following language: 

The amount of this Guaranteed Minimum Death Benefit is equal to 100% of the total premiums paid for this policy, less any Adjusted Partial Withdrawals
(as described below), as of the date of death. 
 A partial withdrawal will reduce the Guaranteed Minimum Death Benefit by an amount referred to
as the “Adjusted Partial Withdrawal”. The Adjusted Partial Withdrawal may be a different amount than the Gross Partial Withdrawal. If at the time of the partial withdrawal, the Policy Value is greater than or equal to the Death Proceeds,
the Adjusted Partial Withdrawal will equal the Gross Partial Withdrawal. If at the time of the partial withdrawal, the Policy Value is less than the Death Proceeds, the Adjusted Partial Withdrawal will be greater than the Gross Partial Withdrawal.

 The Adjusted Partial Withdrawal is equal to the Gross Partial Withdrawal multiplied by the Death Proceeds immediately prior to the partial
withdrawal divided by the Policy Value immediately prior to the partial withdrawal. The formula is APW = GPW x (DP/PV) where: 
  

					
	 GPW
	 	=	  	Gross Partial Withdrawal
			
	 DP
	 	=	  	Death Proceeds prior to the partial withdrawal = greatest of (PV, CV, or GMDB)
			
	 PV
	 	=	  	Policy Value prior to the partial withdrawal
			
	 GMDB
	 	=	  	Guaranteed Minimum Death Benefit prior to the partial withdrawal
			
	 CV
	 	=	  	Cash Value prior to the partial withdrawal

 This Rider is effective on the Policy Date and can only be terminated when the policy to which this Rider is attached
terminates. This Rider is subject to all the terms and conditions of the policy not inconsistent herewith. 
  

			
	Signed for us at our home office.
		
	



	  	




	SECRETARY	  	PRESIDENT


  

					
	RGMD    8    0603	  		  	










			
	



	  	 Home Office:
 4333 Edgewood
Road N.E.
 Cedar Rapids, Iowa 52499

(319)355-8511


 INDEX 

 



					
	 	  	Page    
	 Accumulation Units
	  	9
	 Adjusted Age
	  	14
	 Adjusted Policy Value
	  	4
	 Age or Sex Corrections
	  	22
	 Annuity Commencement Date
	  	22
	 Assignment
	  	22
	 Beneficiary
	  	23
	 Cash Value
	  	5
	 Contract
	  	22
	 Death Proceeds
	  	12
	 Definitions
	  	2
	 Dollar Cost Averaging Option
	  	11
	 Evidence of Survival
	  	22
	 Excess Interest Adjustment
	  	5
	 Fixed Account
	  	10
	 Guaranteed Periods
	  	10
	 Guaranteed Return of Fixed Account
Premium Payments
	  	8
	 Income Options
	  	14




					
	 	  	Page    	 
	 Income Option Tables
	  	 	18	  
	 Incontestability
	  	 	22	  
	 Modification of Policy
	  	 	22	  
	 Non-participating
	  	 	22	  
	 Option to Change Annuity Commencement Date
	  	 	22	  
	 Partial Withdrawals
	  	 	6	  
	 Payee
	  	 	14	  
	 Payment of Premiums
	  	 	4	  
	 Policy Data Page
	  	 	3	  
	 Policy Value
	  	 	4	  
	 Proof of Age
	  	 	14	  
	 Protection of Proceeds
	  	 	23	  
	 Right to Cancel
	  	 	1	  
	 Rights of Owner
	  	 	22	  
	 Separate Account
	  	 	8	  
	 Service Charge
	  	 	4	  
	 Settlement
	  	 	22	  
	 Tax Qualification
	  	 	22	  
	 Transfers
	  	 	11	  


 

  
 FLEXIBLE PREMIUM
DEFERRED VARIABLE ANNUITY 
 INCOME PAYABLE AT ANNUITY COMMENCEMENT DATE 

BENEFITS BASED ON THE PERFORMANCE OF THE SEPARATE ACCOUNT 
 ARE VARIABLE AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT (SEE SECTIONS 6 AND 10C) 

NON-PARTICIPATING 

  

					
	 Y1086