Exhibit 4(l)



 EXHIBIT (4)(l)
 FORM OF POLICY RIDER (ARCHITECT) 








			
	

	  	Home Office:
 4333 Edgewood Road N.E.
Cedar Rapids, Iowa 52499
(319)
398-8511


 A Stock Company (Hereafter called the Company, we, our or us) 
 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 This rider is
issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity or the group certificate if the rider is attached to a group annuity. 
 Rider Data Specification 
  

			
	Policy Number:	 	12345
	Rider Date:	 	02/01/2007
	Rider Fee Percentage:	 	0.30%
	Annuitant:	 	John Doe
	Annuitant’s Issue Age/Sex:	 	35 / Male
	Maximum Equity Percentage:	 	50%

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to
upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is attached, is assigned or if the owner is changed without our approval.
Failure to comply with requirements of maximum equity percentage will also result in a termination of this rider. You can terminate this rider within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter.
Termination of the rider will result in the loss of all benefits provided by the rider. 
 Investment Restrictions 
 If you elect this rider, 100% of your policy value must be in one or more of the designated funds. You can transfer between the designated funds as permitted under your
policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force nor can you make any transfer which would cause you to exceed your maximum equity percentage discussed below. If you wish
to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 Monthly asset rebalancing is
required at all times. Failure to be enrolled in monthly asset rebalancing can result in termination of this rider as described below. 
 Your asset
rebalancing percentage, as defined below, may not exceed the maximum equity percentage you have elected as shown above in the Rider Data Specifications. 
 If asset rebalancing is discontinued, the asset rebalancing equity percentage exceeds the maximum equity percentage, or you make a transfer which causes your policy equity percentage to exceed your maximum equity percentage, we will notify
you of your failure to comply. You will have 30 days from the date we mail the notice to bring your policy back into conformance or this rider will terminate without value. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
 DEFINITIONS: 

 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Asset Rebalancing Equity Percentage 
 The asset rebalancing equity
percentage is the sum of all equity fund investment allocation percentages. 
  


					
	RGMB 25 0207	 	(1)	 	(Income-Single)









 ARTICLE I CONTINUED 
 Designated Funds 
 Investment options authorized for use with this rider and identified by us as designated funds. 
 Equity Funds 
 Investment Options that the Company identifies as
Equity Funds. 
 Excess Withdrawal 
 The excess of a gross
partial withdrawal over the maximum annual withdrawal amount remaining prior to the withdrawal, if any. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
 Maximum Annual Withdrawal Amount 
 The total amount that can be withdrawn from the policy each calendar year without
reducing the total withdrawal base. This amount will change if the total withdrawal base changes. 
 Policy Equity Percentage 
 The policy equity percentage is the sum of the subaccount values for all equity funds divided by the policy value. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced
above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of policy value in that investment option on each rider anniversary. A portion of this
fee will also be deducted when the rider is terminated based on the number of days that have elapsed since the previous rider anniversary. 
 Rider Year

 Each twelve-month period following the rider date. 
 ARTICLE II 
 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s death. 
 The Withdrawal Percentage is determined by the attained age of the annuitant at the time of the first withdrawal of any amount from the policy value taken on or after
January 1st following the annuitant’s 59th birthday: 
  

				
	 Attained Age at
First Withdrawal
	  	Withdrawal
Percentage	 
	 0 - 58
	  	0.0	%
	 59 - 64
	  	4.0	%
	 65 - 69
	  	4.5	%
	 70 - 74
	  	5.0	%
	 75 - 79
	  	5.5	%
	 80 - 84
	  	6.0	%
	 85 - 89
	  	6.5	%
	 90 - 94
	  	7.0	%
	 95 +
	  	7.5	%

  


					
	RGMB 25 0207	 	(2)	 	(Income-Single)









 ARTICLE II CONTINUED 
 If the annuitant is not yet 59 on the rider date, then this percentage will be zero until the January 1st following the annuitant’s 59th birthday. 
 Withdrawals will reduce the policy value of the policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and
guarantees are no longer available. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which
this rider attaches. Once the payment amount and frequency are established, they cannot be changed and no additional withdrawals will be paid. 
 Maximum
Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on the rider date, this percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.


  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,


  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the amount described
in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base
Adjustments” below). 
  


					
	RGMB 25 0207	 	(3)	 	(Income-Single)









 ARTICLE II CONTINUED 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the withdrawal percentage as determined and shown above. If the annuitant is not yet 59 on January 1st of the current calendar year, this percentage will be equal to 0%.


  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:


  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant. The minimum required distributions can not be based on the age of someone who is deceased,


  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the
total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal
base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

  


					
	RGMB 25 0207	 	(4)	 	(Income-Single)









 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 In the case of non-spousal joint owners where
an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments under this rider instead of receiving any benefits applicable to the policy. The lifetime income
payments must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted
and no additional withdrawals will be paid 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days after the first rider anniversary and 30 days after each rider anniversary thereafter, subject to the age restrictions on the new rider. If
an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The maximum equity percentage, if available, can be changed at this time. The new rider will have its own Rider Fee
Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the time of upgrade, the maximum annual withdrawal amount will be
recalculated based on the new total withdrawal base. 
 The new rider effective date will be the date the Company receives all information necessary, in a
written form acceptable to the Company, to process the upgrade. 
  

					
	Signed for us at our home office.
			
	

	 		 	


	SECRETARY	 		 	PRESIDENT

  


					
	RGMB 25 0207	 	(5)	 	(Income-Single)










			
	

	  	 Home Office:
 4333 Edgewood Road N.E.
Cedar Rapids, Iowa 52499 (319) 398-8511


 A Stock Company (Hereafter called the Company, we, our or us) 
 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 This rider is
issued as a part of the policy (contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity or the group certificate if the rider is attached to a group annuity. 
 Rider Data Specification 
  

			
	Policy Number:	  	12345
	Rider Date:	  	02/01/2007
	Rider Fee Percentage:	  	0.45%
	Annuitant:	  	John Doe
		
	Annuitant’s Issue Age/Sex:	  	35 / Male
	Annuitant’s Spouse:	  	Jane Doe
	Annuitant’s Spouse’s Issue Age/Sex:	  	35 / Female
	Maximum Equity Percentage:	  	50%

 ARTICLE I 
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner. This rider will terminate upon the later of the annuitant’s or annuitant’s spouse’s
(as of the rider date) death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the policy to which this rider is
attached, is assigned or if the owner is changed without our approval. Failure to comply with requirements of maximum equity percentage will also result in a termination of this rider. You can terminate this rider within 30 days after the first
rider anniversary and 30 days after each rider anniversary thereafter. Termination of the rider will result in the loss of all benefits provided by the rider. 
 The annuitant’s spouse as of the rider date is hereafter referred to as the annuitant’s spouse. As it pertains to the benefits of this rider, the annuitant’s spouse cannot be changed. The annuitant’s spouse must be the
sole primary beneficiary and/or a joint owner. The only living owners allowed on the contract to which this rider is attached are the annuitant and the annuitant’s spouse. 
 Investment Restrictions 
 If you elect this rider, 100% of your policy value must be in one or more of the designated
funds. You can transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the policy to a non-designated fund while this rider is in force nor can you make any transfer which would
cause you to exceed your maximum equity percentage discussed below. If you wish to make a transfer to a non-designated fund, this rider must be terminated, as described above, prior to making the transfer. 
 Monthly asset rebalancing is required at all times. Failure to be enrolled in monthly asset rebalancing can result in termination of this rider as described below.

 Your asset rebalancing percentage, as defined below, may not exceed the maximum equity percentage you have elected as shown above in the Rider Data
Specifications. 
 If asset rebalancing is discontinued, the asset rebalancing equity percentage exceeds the maximum equity percentage, or you make a
transfer which causes your policy equity percentage to exceed your maximum equity percentage, we will notify you of your failure to comply. You will have 30 days from the date we mail the notice to bring your policy back into conformance or this
rider will terminate without value. 
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  


					
	RGMB 25 0207	 	(1)	 	(Income-Joint)









 ARTICLE I CONTINUED 
 DEFINITIONS: 
 Terms used that are not defined in this rider shall have the same meaning as those in your policy. 
 Asset Rebalancing Equity Percentage 
 The asset rebalancing equity
percentage is the sum of all equity fund investment allocation percentages. 
 Designated Funds 
 Investment options authorized for use with this rider and identified by us as designated funds. 
 Equity Funds 
 Investment Options that the Company identifies as Equity Funds. 
 Excess Withdrawal 
 The excess of a gross partial withdrawal over the
maximum annual withdrawal amount remaining prior to the withdrawal, if any. 
 Gross Partial Withdrawal 
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
 Maximum Annual Withdrawal Amount 
 The total amount that can be withdrawn from the policy each calendar year without
reducing the total withdrawal base. This amount will change if the total withdrawal base changes. 
 Policy Equity Percentage 
 The policy equity percentage is the sum of the subaccount values for all equity funds divided by the policy value. 
 Rider Anniversary 
 The anniversary of the rider date. 
 Rider Fee 
 The rider fee is the rider fee percentage referenced
above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of policy value in that investment option on each rider anniversary. A portion of this
fee will also be deducted when the rider is terminated based on the number of days that have elapsed since the previous rider anniversary. 
 Rider Year

 Each twelve-month period following the rider date. 
 ARTICLE II 
 GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal amount each year, regardless of the policy value, until the annuitant’s or the annuitant’s spouse’s death,
whichever is later. 
  


					
	RGMB 25 0207	 	(2)	 	(Income-Joint)









 ARTICLE II CONTINUED 
 The Withdrawal Percentage is determined by the attained age of the younger of the living spouses at the time of the first withdrawal of any amount from the policy value taken on or after January 1st following the younger of the living
spouses’ 59th birthday: 
  

				
	 Attained Age at
First Withdrawal
	  	Withdrawal
Percentage	 
	   0 - 58
	  	0.0	%
	 59 - 64
	  	4.0	%
	 65 - 69
	  	4.5	%
	 70 - 74
	  	5.0	%
	 75 - 79
	  	5.5	%
	 80 - 84
	  	6.0	%
	 85 - 89
	  	6.5	%
	 90 - 94
	  	7.0	%
	     95 +
	  	7.5	%

 If the younger of the annuitant and annuitant’s spouse is not yet 59 on the rider date, then this percentage
will be zero until the January 1st following the younger of the living spouses’ 59th birthday. 
 Withdrawals will reduce the policy value of the
policy to which this rider is attached. If the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are no longer available. Withdrawals guaranteed by this rider can be
continued by selecting an amount and frequency of payment in accordance with the minimum withdrawal amount in the Systematic Payout Option section of the policy to which this rider attaches. Once the payment amount and frequency are established,
they cannot be changed and no additional withdrawals will be paid. 
 Maximum Annual Withdrawal Amount 
 On the rider date the maximum annual withdrawal amount will be equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date, 

  

	 	B)	is the withdrawal percentage as determined and shown above. If the younger of the annuitant and annuitant’s spouse is not yet 59 on the rider date, this percentage will be
equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.


  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and it is not available as a maximum annual withdrawal amount. An amount in addition to the amount described
in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total Withdrawal Base
Adjustments” below). 
  


					
	RGMB 25 0207	 	(3)	 	(Income-Joint)









 ARTICLE II CONTINUED 
 On January 1st of each subsequent calendar year following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2, where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the withdrawal percentage as determined and shown above. If the younger of the annuitant and annuitant’s spouse is not yet 59 on January 1st of the current calendar
year, this percentage will be equal to 0%. 

  

	2)	is an amount equal to the minimum required distribution amount for this policy for the current calendar year using the annuitant’s age only if all of the following are true:


  

	 	A)	the policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant or the annuitant’s spouse if the annuitant is deceased. The minimum required distributions can not
be based on the age of someone who is deceased, 

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

 If any of the above are not true, then 2) is equal to zero and the minimum required distribution is not available as a maximum annual withdrawal amount.
An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be considered an excess gross partial withdrawal (as described under “Total
Withdrawal Base Adjustments” below). 
 Total Withdrawal Base 
 The total withdrawal base on the rider date is equal to the policy value (less any premium enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the
total withdrawal base on the rider date, plus the full amount of any premiums added after the rider date, less any adjustments for withdrawals described below. 
 Total Withdrawal Base Adjustments 
 Gross partial withdrawals up to the maximum annual withdrawal amount will not reduce the total withdrawal
base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of 1 and 2, where: 
  

	1)	is the excess gross partial withdrawal amount; and 

  

	2)	is the result of (A divided by B), multiplied by C, where: 

  

	 	A)	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B)	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C)	is the total withdrawal base prior to the withdrawal of the excess amount. 

  


					
	RGMB 25 0207	 	(4)	 	(Income-Joint)









 ARTICLE III 
 CONTINUATION 
 In the case of spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the
surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider. 
 RIDER UPGRADE 
 You may elect, in writing, to upgrade the total withdrawal base to the policy value within 30 days after the first rider anniversary and 30 days after each rider
anniversary thereafter, subject to the age restrictions on the new rider. If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date. The maximum equity percentage, if available,
can be changed at this time. The new rider will have its own Rider Fee Percentage which may be higher than this rider’s Rider Fee Percentage. 
 At the
time of upgrade, the maximum annual withdrawal amount will be recalculated based on the new total withdrawal base. 
 The new rider effective date will be
the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade. 
  

					
	Signed for us at our home office.
			
	

	 		 	


	SECRETARY	 		 	PRESIDENT

  


					
	RGMB 25 0207	 	(5)	 	(Income-Joint)