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                                EXHIBIT (4)(a)(1)

                           FORM OF POLICY ENDORSEMENT
                         (ADDITIONAL DEATH DISTRIBUTION)
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                                                                    Home Office:
                                                         4333 Edgewood Road N.E.
                                                        Cedar Rapids, Iowa 52499
                                                                  (319) 398-8511

[LOGO] TRANSAMERICA LIFE


                  (Hereafter called the Company, we, our or us)


                         ADDITIONAL DEATH BENEFIT RIDER

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

This rider will pay an Additional Death Benefit amount equal to a percentage of
the gains accumulated in the certificate since the rider was added. This
additional death benefit will be paid whenever death proceeds are payable on the
base certificate to which this rider is attached.

This rider will be considered terminated with respect to each certificate when
the certificate is annuitized or surrendered, or an additional death benefit is
paid under the terms of this rider. The rider, with respect to each certificate
may also be terminated at any time by notifying us at our service center. Once
terminated, this rider may be re-elected. However, a new rider will be issued
and the Additional Death Benefit amount will be re-determined.

DEFINITIONS

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

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

Rider Earnings
The certificate gains accrued and not previously withdrawn since the Rider Date.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
certificate; minus the Policy Value of the base certificate 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minus premiums paid after the rider date; plus amounts withdrawn from the Policy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 Rider Earnings on the date of the
withdrawal.

ADDITIONAL DEATH BENEFIT AMOUNT
If death proceeds are payable under the terms of the base certificate to which
the rider is attached, this rider will pay an Additional Death Benefit equal to
the Additional Death Benefit Factor multiplied by the Rider Earnings on the date
used to calculate the death proceeds.

ADDITIONAL DEATH BENEFIT PREMIUM
We will deduct a fee from the Policy Value of each certificate on each Rider
Anniversary and a pro-rated fee on the termination date of the rider. The Rider
Fee is equal to the Policy Value at the time the fee is deducted, multiplied by
the Rider Fee Percentage. The fee will be deducted from each subaccount and
fixed account in proportion to the amount of Policy Value in each account with
respect to each certificate. This fee will not be deducted after the certificate
is annuitized.

RTPG 2 301MP

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SPOUSAL CONTINUATION
If a death occurs and the deceased's spouse, if any, is continuing the base
certificate in lieu of receiving the death proceeds, the continuing spouse has
the following options:

 .    Terminate the Additional Death Benefit Rider and receive a one-time Policy
     Value increase equal to the amount of the Additional Death Benefit. All
     future surrender charges on this amount, if any, will be waived.
 .    Continue the Additional Death Benefit Rider without the one-time Policy
     Value increase. An Additional Death Benefit Amount would then be paid upon
     the death of the continuing spouse.


                        Signed for Us at our Home Office.



        /s/ Craig D. Vermie                              /s/ Larry N. Norman
            SECRETARY                                        PRESIDENT


RTPG 2 301MP(2)