Exhibit 4 (b)

GUARANTEED MINIMUM WITHDRAWAL BENEFIT RIDER
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THIS RIDER IS PART OF THE CONTRACT TO WHICH IT IS ATTACHED. IT IS SUBJECT TO THE
TERMS, CONDITIONS, AND PROVISIONS CONTAINED IN THE CONTRACT. THE PROVISIONS OF
THIS RIDER WILL SUPERSEDE ANY CONFLICTING PROVISIONS OF THE CONTRACT.

DEFINITIONS BENEFIT
BASE.                  The amount upon which the guaranteed
                       minimum withdrawal benefit is calculated. If this rider's
                       effective date is on the date of issue, the Benefit Base
                       is equal to the initial contribution paid. If this
                       rider's effective date is after the date of issue, the
                       Benefit Base is equal to the Contract Value on the
                       effective date.

                       CONTRACT. When this rider is attached to a Certificate
                       issued under a Group Contract, "Contract" herein means
                       the Certificate. Otherwise, "Contract" may refer to
                       either an individually issued Contract or Policy.

                       YOU, YOUR. The Owner of the Contract.

                       WITHDRAWAL LIMIT.  An amount equal to a percentage
                       (as shown on the Information page) of the Benefit Base.
                       Any change in the Benefit Base will result in a change in
                       the Withdrawal Limit.

EFFECTIVE DATE         This rider is effective on the date of purchase.

BENEFIT                 This rider allows You to withdraw an amount up to the
                        Withdrawal Limit each Contract year regardless of Your
                        Contract Value. On each Contract anniversary, if the
                        Contract Value is greater than the Benefit Base, the
                        Benefit Base will immediately be increased to equal the
                        Contract Value as of that date resulting in an increased
                        Withdrawal Limit.

                        If any additional contributions are added to the
                        Contract, the Benefit Base will be recalculated to be
                        the greater of the Benefit Base immediately prior to the
                        contribution payment, or the Benefit Base immediately
                        prior to the contribution payment, less all prior
                        withdrawals, plus the contribution payment.

                        Withdrawals in excess of the Withdrawal Limit in a given
                        Contract year will result in a recalculation of the
                        Benefit Base as follows:

                        o       If the withdrawal exceeds the sum of the
                                Withdrawal Limit and any accumulated unused
                                guaranteed withdrawal benefits, the Benefit Base
                                will be recalculated to equal the lesser of the
                                Benefit Base prior to the withdrawal or the
                                Contract Value immediately after the withdrawal.

                        o       If the withdrawal exceeds the Withdrawal Limit
                                but is less than or equal to the sum of the
                                Withdrawal Limit and any accumulated unused
                                guaranteed withdrawal benefits and prior
                                withdrawals have not exceeded the Withdrawal
                                Limit and any accumulated unused guaranteed
                                withdrawal benefits, the Benefit Base will be
                                recalculated to equal the greater of a) the
                                lesser of the Benefit Base prior to the
                                withdrawal or the Contract Value immediately
                                after the withdrawal, and b) the initial
                                Contract Benefit Base.

                        o       If the withdrawal exceeds the Withdrawal Limit
                                but is less than or equal to the sum of the
                                Withdrawal Limit and any accumulated unused
                                guaranteed withdrawal benefits, and prior
                                withdrawals have exceeded the Withdrawal Limit
                                and any accumulated unused guaranteed withdrawal
                                benefits, the Benefit Base will be recalculated
                                to equal the lesser of the Benefit Base prior to
                                the withdrawal or the Contract Value immediately
                                after the withdrawal.

                       This provision applies to all withdrawals, including
                       withdrawals of accumulated unused guaranteed withdrawal
                       benefits, and may result in a reduction of future
                       guaranteed withdrawal benefit amounts.
<PAGE>

COST OF RIDER          Any fee for this rider is shown in the amount
                       and frequency stated on the Information page. That fee is
                       based on Your subaccount value and deducted from any
                       subaccounts on a pro-rata basis.

TERMINATION OF RIDER   This rider terminates upon the earliest of: Contract
                       termination, annuitization, receipt of due proof of death
                       of the first Owner to die (unless the spouse of the first
                       Owner to die elects to continue the Contract and the
                       spousal charge for this rider was in effect prior to the
                       death of the first Owner to die) or the death of the
                       annuitant, if a nonnatural person is the Contract Owner.

NONPARTICIPATING       Dividends are not payable.


[OM FINANCIAL LIFE INSURANCE COMPANY]

Bruce G. Parker Jr.

President]
<PAGE>
<PAGE>

 DOLLAR COST AVERAGING FIXED INTEREST OPTION RIDER
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THIS RIDER IS PART OF THE CONTRACT TO WHICH IT IS ATTACHED. IT IS SUBJECT TO THE
TERMS, CONDITIONS, AND PROVISIONS CONTAINED IN THE CONTRACT. THE PROVISIONS OF
THIS RIDER WILL SUPERSEDE ANY CONFLICTING PROVISIONS OF THE CONTRACT. THERE IS
NO FEE FOR THIS RIDER.

 DEFINITIONS                     CONTRACT.  When this rider is attached to a
                                 Certificate issued under a Group Contract,
                                 "Contract" herein means the Certificate.
                                 Otherwise, "Contract" may refer to either an
                                 individually issued Contract or Policy.

                                 YOU, YOUR.  The Owner of the Contract.

 EFFECTIVE DATE                  This rider is effective on the Contract's date
                                 of issue.

 BENEFIT                         This rider provides dollar cost averaging fixed
                                 interest options to Your Contract, and any
                                 contribution allocated will receive fixed
                                 interest credits.

 CONTRACT VALUE                  For any contribution allocated to a
                                 dollar cost averaging option, the contract
                                 value equals:
                                 o      any contributions allocated to this
                                        option; less
                                 o      any transfers to any subaccounts,
                                        including any charges; plus
                                 o      any interest credited on this option's
                                        contract value.

 INTEREST CREDITING             This option's contract value will be credited
                                with an interest rate described herein. Interest
                                is credited daily and applied to this option's
                                contract value from the date of issue at a rate
                                which is never less than the guaranteed minimum
                                interest rate shown on the Information page. The
                                Information page shows the effective annual
                                interest rate being credited to the applicable
                                portion of the initial contribution and the
                                period of time for which that rate is
                                guaranteed. Any additional contributions
                                received in a given year will be credited with
                                the then current interest rate and will be
                                guaranteed for a period chosen by You and
                                available for this purpose.

 TERMINATION OF RIDER           This rider terminates on Contract termination.

 NONPARTICIPATING                Dividends are not payable.

 Signed for the Company.


[OM FINANCIAL LIFE INSURANCE COMPANY]

/s/ Bruce G. Parker Jr.

 President]


<PAGE>

GUARANTEED MINIMUM DEATH BENEFIT RIDER
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THIS RIDER IS PART OF THE CONTRACT TO WHICH IT IS ATTACHED. IT IS SUBJECT TO THE
TERMS, CONDITIONS, AND PROVISIONS CONTAINED IN THE CONTRACT. THE PROVISIONS OF
THIS RIDER WILL SUPERSEDE ANY CONFLICTING PROVISIONS OF THE CONTRACT.


DEFINITIONS CONTRACT.   When this rider is attached to a Certificate
                        issued under a Group Contract, "Contract" herein means
                        the Certificate. Otherwise, "Contract" may refer to
                        either an individually issued Contract or Policy.

                        YOU, YOUR.   The Owner of the Contract.

EFFECTIVE DATE          This rider is effective on the Contract's date of issue.

BENEFIT                 Upon death of the first Owner to die, the death benefit
                        payable will be the greater of the Contract Value or the
                        contributions paid less adjustment for withdrawals. The
                        amount of any adjustment for withdrawals is equal to the
                        amount withdrawn divided by the Contract Value at the
                        time of withdrawal.

COST OF RIDER           Any fee for this rider is shown in the amount
                        and frequency stated on the Information page. That fee
                        is based on your subaccount value and deducted from any
                        subaccounts on a pro-rata basis.

TERMINATION OF RIDER    This rider terminates upon on the earlier of:
                        Contract termination; annuitization; and receipt of due
                        proof of death of the first Owner to die except under
                        spousal continuation. (See below)

SPOUSAL CONTINUATION    Upon your death, if Your spouse elects to continue the
                        Contract, and is within the then current issue age range
                        for the product, the benefits provided under this rider
                        will renew. On the date we receive due proof of death of
                        the first Owner to die, the Contract value will be
                        increased to equal the death benefit payable as defined
                        in this rider. That Contract value will serve as the
                        initial contribution for the continued death benefit
                        calculation. Upon the death of the surviving Owner, the
                        death benefit payable will be the greater of the
                        Contract Value at the time we receive due proof of death
                        and the Contract value as of the date we received due
                        proof of death of the first Owner to die, less
                        adjustment for any withdrawals taken after the death of
                        the first Owner to die.

NONPARTICIPATING        Dividends are not payable.




Signed for the Company.

[OM FINANCIAL LIFE INSURANCE COMPANY]

Bruce G. Parter Jr.

           President]


<PAGE>

GUARANTEED MINIMUM DEATH BENEFIT RIDER
--------------------------------------------------------------------------------

THIS RIDER IS PART OF THE CONTRACT TO WHICH IT IS ATTACHED. IT IS SUBJECT TO THE
TERMS, CONDITIONS, AND PROVISIONS CONTAINED IN THE CONTRACT. THE PROVISIONS OF
THIS RIDER WILL SUPERSEDE ANY CONFLICTING PROVISIONS OF THE CONTRACT.

DEFINITIONS             ACCUMULATION RATE.  The rate that the guaranteed minimum
                        death benefit (GMDB) accumulates as shown on the
                        Information page.

                        CONTRACT.  When this rider is attached to a Certificate
                        issued under a Group Contract, "Contract" herein means
                        the Certificate.  Otherwise, "Contract" may refer to
                        either an individually issued Contract or Policy.

                        YOU, YOUR.   The Owner of the Contract.

                        WITHDRAWAL LIMIT. A percentage of the GMDB as shown on
                        the Information page.

EFFECTIVE DATE          This rider is effective on the Contract's date of issue.

BENEFIT                 This rider establishes a GMDB which increases over time.
                        The initial GMDB equals the initial contribution and
                        accumulates overtime at the accumulation rate. Upon
                        death of the first Owner to die, the death benefit
                        payable will be the greater of the Contract Value or the
                        GMDB.

                        The GMDB equals any contributions paid, less adjustments
                        for any withdrawals, plus interest credited at the
                        accumulation rate.

                        Additional contributions increase the GMDB by an amount
                        equal to the additional contribution.

                        Withdrawals within a Contract year that are less than
                        the withdrawal limit will reduce the GMDB by an amount
                        equal to the withdrawal amount. Withdrawals (or any
                        portion of a withdrawal) within a Contract year that
                        exceed the withdrawal limit will reduce the GMDB by a
                        percentage equal to (a) the amount of the withdrawal in
                        excess of the withdrawal limit, divided by (b) the
                        Contract Value immediately preceding the withdrawal.

COST OF RIDER           Any fee for this rider is shown in the amount
                        and frequency stated on the Information page. That fee
                        is based on Your subaccount value and deducted from any
                        subaccounts.

TERMINATION OF RIDER    This rider terminates upon on the earlier of:
                        Contract termination; annuitization; and receipt of due
                        proof of death of the first Owner to die except under
                        spousal continuation. (See below)

SPOUSAL CONTINUATION    Upon your death, if Your spouse elects to continue the
                        Contract, and is within the then current issue age range
                        for the product, the benefits provided under this rider
                        will renew. On the date we receive due proof of death of
                        the first Owner to die, the Contract value will be
                        increased to equal the death benefit payable as defined
                        in this rider. That Contract value will serve as the
                        initial GMDB for the continued death benefit
                        calculation. Upon the death of the surviving Owner, the
                        death benefit payable will be the greater of the
                        Contract Value or the GMDB at the time we receive due
                        proof of death.

NONPARTICIPATING        Dividends are not payable.


Signed for the Company.


[OM FINANCIAL LIFE INSURANCE COMPANY]

Bruce G. Parker Jr.

               President]