Document:

<PAGE>

                                                                    Exhibit 4(j)

                                Kemper Investors Life Insurance Company

SCUDDER DESTINATIONS II         Overnight Mail: Zurich Life Insurance Company,
                                                200 W Monroe Suite 200
                                                Attn: Lockbox Processing Dept
                                                5021, Chicago, IL 60606

 Please Print Clearly           Regular Mail:   Zurich Life Insurance Company
                                                135 LaSalle Street Dept.5021,
                                                Chicago, IL 60674

<TABLE>
<S>                                                    <C>
 1. Owner
===============================================================================================

 -------------------------------------------------     ------------------------------------
 Name (First, Middle, Last) or Name of Trust            Social Security/Tax I.D. Number

 -------------------------------------------------     ------------------------------------
 Street Address                                        Date of Birth/Trust

 -------------------------------------------------     [_]  Male   [_] Female
 City, State, Zip
 ( )
 -------------------------------------------------     ------------------------------------
 Daytime Telephone                                     E-mail Address (Optional)
 ------------------------------------------------------------------------------------------
 2. Joint Owner
===============================================================================================

 -------------------------------------------------     ------------------------------------
 Name (First, Middle, Last)                            Social Security/Tax I.D. Number

 -------------------------------------------------     ------------------------------------
 Street Address                                        Date of Birth

 -------------------------------------------------     [_]  Male   [_] Female
 City, State, Zip
 ( )
 -------------------------------------------------
 Daytime Telephone
 ------------------------------------------------------------------------------------------
 3. Annuitant
===============================================================================================

 -------------------------------------------------     ------------------------------------
 Name (First, Middle, Last)                            Social Security/Tax I.D. Number

 ------------------------------------                  [_] Male    [_] Female
 Date of Birth
-----------------------------------------------------------------------------------------------
 4. Joint Annuitant
===============================================================================================

 -------------------------------------------------     ------------------------------------
 Name (First, Middle, Last)                            Social Security/Tax I.D. Number

 ------------------------------------                  [_] Male    [_] Female
 Date of Birth
-----------------------------------------------------------------------------------------------
 5. Beneficiaries (For Additional Beneficiaries, use Section 17):
===============================================================================================
 *  If there Joint Owners, the survivor is always the Primary Beneficiary. If Beneficiary
    is a trust, provide the date of when the trust was established. All Beneficiaries'
    allocations must total 100%.

 Name               Primary or Contingent       Relationship to Owner     Allocation

 ------------------ --------------------------- ------------------------ ------------------ %
 ------------------ --------------------------- ------------------------ ------------------ %
 ------------------ --------------------------- ------------------------ ------------------ %
 ------------------ --------------------------- ------------------------ ------------------ %
-----------------------------------------------------------------------------------------------
 6. Initial Payment
===============================================================================================
 $ --------------------------------------------------------------------------------------------
              (Make check payable to Kemper Investors Life Insurance Company)
-----------------------------------------------------------------------------------------------
 7. Type of Plan to Be Issued
===============================================================================================
    [_] Non-qualified  [_] Non-qualified Def. Comp [_] SEP-IRA  [_] 401 (K) Profit Sharing
    [_] 401 (a) Pension/Profit Sharing
    [_] Roth IRA       [_] 403 (b) TSA             [_] IRA      [_] 457 Def. Comp
    [_] Charitable Remainder Trust
-----------------------------------------------------------------------------------------------
 8. Optional Riders
===============================================================================================
 I/We elect the following and understand there is/are additional charge(s):

   [_] Earnings Based Death Benefit Rider   GRIB- Guaranteed Retirement Income Benefit
   [_] Value Credit Rider
                                            [_] 7 Year
                                            [_] 10 Year
-----------------------------------------------------------------------------------------------
</TABLE>

L-8744                                                                   Dest-10

<PAGE>

 9. Allocation of Payment:

<TABLE>
<CAPTION>
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Alger                           Scudder(continued)             Scudder(continued)                    Kemper Investors Life Ins. Co.
<S>                             <C>                            <C>                                   <C>
______ %  Balcd                 ________ % Cont Val            ______ % Strge Inc                    ______ % Fxd Acct
______ % I.v All Cap            ________ % Glb Bl Chp          ______ % Tech Gro                     ______ % 3 mos. DCA
Credit Suisse Warburg           ________ % Glb Disc            ______ % Total Ret                    ______ % 6 mos. DCA
Pincus Trust                    ________ % Gov Sec             ______ % 21st Cent Gro                ______ % 12 mos. DCA
______ % Em Mkts                ________ % Growth              SVS (subadvised)                      ______ % 18 mos. DCA
______ % Glb Pst Vtr Cp         ________ % Gro & Inc           ______ % SVS Drm Fin (Dreman)
Dreyfus                         ________ % Health Sens         ______ % SVS Drm Hi (Dreman)         GPA's
______ % Mid Cp Srk             ________ % High Yld            ______ % SVS Dynmc Gro (Invesco)      ______ % 1 Yr  _____ %  6 Yr
______ % Soc Rp Gro             ________ % Int'l               ______ % SVS Fc LC Gro (Eagle)        ______ % 2 Yr  _____ %  7 Yr
                                ________ % Int'l Rsrch         ______ % SVS Foc Val + Gro (ZSI/Jnsn) ______ % 3 Yr  _____ %  8 Yr
Invesco                         ________ % Inv Grd Bd          ______ % SVS Gro & Inc (Janus)        ______ % 4 Yr  _____ %  9 Yr
______ % VIF Utilities          ________ % Money Mkt I         ______ % SVS Gro Opp (Janus)          ______ % 5 Yr  _____ % 10 Yr
Scudder                         ________ % Money Mkt II        ______ % SVS Indx 500 (Deutsche)
______ % Agg Gro                ________ % New Euro            ______ % SVS MC Gro (Turner)
______ % BL Chip                ________ % SC Grow             ______ % SVS Strgc Eq (Oak)
______ % Cap Gro                ________ % SC Val              ______ % SVS Ventr Val (Davis)
                                                                        (All allocations above must total 100%, $500 min.per
                                                                        account.)
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

 10. Dollar cost Averaging (For Additional Subaccounts, use Section 17):

<TABLE>
------------------------------------------------------------------------------------------------------------------------------------
<S>                   <C>                   <C>                         <C>
  (Not available with Automatic Account Rebalancing, DCA is not allowed from any GPAs.)
  [_] Please transfer $ __________________  from _____________________  OR  [_] Please transfer interest only from the Fixed Account
                         ($100 minimum)          (enter one Subaccount          (must maintain a $10,000 balance and
                                                 or the fixed Account)          continue DCA for at least one year)
------------------------------------------------------------------------------------------------------------------------------------
  Transfer To:                                                                    Frequency: Every  [_] 1  [_] 3 Months
          Subaccount #                               Percent
                                                                             Beginning:           / /
  _________________________________  __________________________________ %                  ----------------
  _________________________________  __________________________________ %    Unless otherwise specified, DCA will occur each
  _________________________________  __________________________________ %    period on the date the contract/certificate is issued
  _________________________________  __________________________________ %
                                                                             All allocations must total 100%
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

 11. Systematic Accumulations:

<TABLE>
------------------------------------------------------------------------------------------------------------------------------------
 <S>                                                                               <C>
 [_] I authorize automatic deductions of $ __________________ from my              Frequency: Every  [_]1  [_]3  [_]6  [_]12 Months
                                           ($100 minimum)
     bank account to be applied to this contract beginning each period             Beginning:           / /
                                                                                                ----------------
     on the date the contract/certificate is issued, unless otherwise specified.  Please attach a voided check or voided withdrawal
                                                                                   slip.
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

 12. Systematic Withdrawals (For Additional Subaccount, use Section 17):

<TABLE>
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                                       <C>
 [_] Please withdraw $ _______________                                    Frequency: Every  [_]1  [_]3  [_]6  [_]12 Months
                        ($100 minimum)
                                                                          Beginning:           / /
                                                                                       ---------------
 Withdrawal from:                                                         See form for automatic 70 1/2 minimum distributions.
         Subaccount #                               Percent               Withdrawals before age 59 1/2 may be subject to a 10%
                                                                          IRS penalty. Please consult your tax advisor.
 _________________________________  __________________________________ %  Funds allocated to a GPA are subject to a Market
 _________________________________  __________________________________ %  Value Adjustment unless withdrawals are taken within
 _________________________________  __________________________________ %  30 days after the end of a Guarantee Period.
 _________________________________  __________________________________ %  [_] I wish to use Electronic Funds Transfer (Direct
                                                                              Deposit). I authorize Kemper Investors Life Insurance
         [_] Do not withhold federal income taxes.                            Company (KILICO) to correct electronically any over-
 Please: [_] Do withhold at 10% of ______________ (%)                         payments or erroneous credits made to my account.
                                                                          Please attach a voided check tor voided deposit slip.
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

 13. Automatic Asset Rebalancing

<TABLE>
------------------------------------------------------------------------------------------------------------------------------------
<S>                                                                        <C>
 (Not available concurrently with DCA)
 [_] I elect Automatic Asset Rebalancing (AAR) among the above accounts    Frequency: Every  [_]1  [_]3  [_]6  [_]12 Months
     (excluding Fixed, GPA's and the Money Market II subaccount.)          Beginning:           / /
                                                                                        ---------------
Unless otherwise specified, rebalancing will occur each period on the date the contract/certificate is issued to the allocation
selected in section 9 of this application.
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

  14. "Protect Your Future" Program:

[_] Allocate a portion of my initial payment to the ___________ year GPA such
    that, at the end of the Guarantee Period, the GPA will have grown to an
    amount equal to the total initial payment assuming no withdrawals or
    transfers of any kind. The remaining balance will be applied as indicated in
    section 9.
--------------------------------------------------------------------------------
  15. Telephone Authorization:

I authorize and direct Kemper Investors Life Insurance Company (KILICO) to
accept telephone instructions from the owner, active representative, and the
individual listed below to effect transfers and/or future payment allocation
changes. I agree to hold harmless and indemnify KILICO and its affiliates and
their collective directors, employees and representatives against any claim
arising from such action.

<TABLE>
<S>                                               <C>          <C>
Name __________________________________________   __/__/____   [_] I do not accept this telephone transfer privilege.
                                                    Birthdate
</TABLE>
-------------------------------------------------------------------------------
  16. Replacement

  Do you have any existing annuity contracts or life insurance policies? [_] No
  [_] Yes
  Will any existing life insurance or annuity be replaced or will values from
  another insurance policy or annuity (through loans, surrenders or otherwise)
  be used to pay premiums for the policy applied for?
  [_] No [_] Yes If yes, indicate company name and policy number________________
--------------------------------------------------------------------------------
  17. Remarks.

      __________________________________________________________________________

      __________________________________________________________________________
--------------------------------------------------------------------------------
  18. Signatures:

  RECEIPT IS ACKNOWLEDGED OF THE CURRENT PROSPECTUS FOR KEMPER INVESTORS
  FUND AND THE KILICO VARIABLE ANNUITY SEPARATE ACCOUNT. PAYMENTS AND VALUES
  PROVIDED BY THE CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF THE
  SUBACCOUNTS, ARE VARIABLE AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT.

  [_] If you want a statement of additional information please check here.

  I agree that the above statements are true and correct to the best of my
  knowledge and belief and are made as a basis for my application.

  By signing this application, I agree to have my prospectus updates, semi-
  annual and annual reports delivered on a IBM system compatible diskette.

  Otherwise, if I do not consent to the diskette delivery, I elect the
  following:

  [_] I wish to have prospectus updates, semi-annual and annual reports
      delivered by e-mail. I understand that I may incur on-line charges. My
      e-mail address is:_____________________ (please ensure to inform KILICO of
      any e-mail address changes).

  [_] I wish to have paper copies of prospectus updates, semi-annual and annual
      reports mailed to me.

  I understand that I may revoke my electronic consent at any time by calling
  1-888-477-9700.

 ____________________________   ________________       ______________________
 Application Made at (City)     State                  Date

<TABLE>
<S>                                                                    <C>
_______________________________________________________________       _____________________________________________________
Signature of Participant (Owner unless otherwise indicated)           Signature of Owner (If other than Participant)
---------------------------------------------------------------------------------------------------------------------------
</TABLE>

  19. Registered Representative/Dealer Information:

  Does the owner have any existing annuity contracts or life insurance policies?
  [_] No [_] Yes (attach replacement forms as required)

  To the best of your knowledge will any existing life insurance or annuity be
  replaced or will values from another insurance policy or annuity (through
  loans, surrenders or otherwise) be used to pay premiums for the policy applied
  for? [_] No [_] Yes

  I certify that the information provided by the owner has been accurately
  recorded; current prospectuses were delivered; no written sales materials
  other than those approved by the Principal Office were used; and I have
  reasonable grounds to believe the purchase of the contract applied for is
  suitable for the owner. Suitability information has been obtained and filed
  with the broker/dealer.

<TABLE>
  <S>                                             <C>                      <C>                           <C>
                                                                                                         ___________________

  ____________________________________________    ______________________   __________________________    ___________________
  Signature of Registered Representative          Telephone Number         Social Security Number        Comm. Code
                                                                                                         ___________________

  ____________________________________________    ___________________________________________________    ___________________
  Printed Name of Registered Representative       Printed Name of Broker/Dealer                          B/D Client Acct #

  ____________________________________________________________________________  _____________________________________________
  Branch Office Street Address for Contract Delivery                            Zurich Life Representative Number
</TABLE>
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Overnight Mail: Zurich Life Insurance Company, 200 W Monroe, Suite 200, Attn:
Lockbox Processing Dept. 5021, Chicago, IL 60606 Make check payable to:
Kemper Investors Life Insurance Company<PAGE>

                                                                    Exhibit 4(k)

Kemper Investors Life Insurance Company
Kemper Drive, Long Grove, Illinois 60049-001

INDIVIDUAL RETIREMENT ANNUITY RIDER

As used in this Rider, "Contract" means the Contract or Certificate to which
this Rider is attached.  This Rider forms a part of the contract to which it is
attached from the effective date of the contract.  It expires concurrently with
the contract and is subject to all the provisions, definitions, limitations and
conditions of the contract not changed by this Rider.  It is issued by Kemper
Investors Life Insurance Company (we, us, ours) to qualify the coverage provided
as an Individual Retirement Annuity ("IRA") as described under Section 408(b) of
the Internal Revenue Code of 1986, as amended ("Code").

It is hereby agreed that the contract to which this Rider is attached is amended
as follows:

Section 1.
OWNERSHIP - EXCLUSIVE BENEFIT - TRANSFERABILITY - NON FORFEITURE - NON
ASSIGNABLE

The annuitant will be the owner of any IRA established under this contract.
This IRA is established for the exclusive benefit of the annuitant and his or
her beneficiaries. The annuitant's interest in this IRA cannot be: transferred;
forfeited; assigned; discounted; borrowed against; or pledged as security for
any purpose.

Section 2.
PREMIUM PAYMENTS - LIMITATIONS

We will only accept cash contributions. Except in the case of a rollover
contribution allowed by Sections 402(c), 403(a)(4), 403(b)(8) or 408(d)(3), of
the Code or a contribution to a Simplified Employee Pension Program ("SEP")
described in Section 408(k), we will not accept contributions of more than
$2,000 for any tax year. Pursuant to Code Section 219(c)(1), in the case of a
spousal IRA, payments to all IRAs for any tax year can not be more than $4,000.
No more than $2,000 of this amount can be credited to the IRA of either spouse.
If the contract is an immediate Annuity Contract, no further contributions will
be allowed.

Any refund of premiums will be applied, before the close of the calendar year
that follows the year of the refund, toward; a. the payment of future
contributions; b. the purchase of increased benefits. This does not apply to
premiums that can be attributed to excess contributions.

Section 3.
TIME AND MANNER OF DISTRIBUTION

Notwithstanding any provision herein to the contrary, distribution of an
annuitant's interest under this Section and Section 4 will be made in accordance
with the minimum distribution rules of Sections 401(a)(9) and 408(b)(3) of the
Code and the regulations thereunder. This includes the incidental death benefit
provisions of Section 1.401(a)(9)-2 of the proposed regulations. All of these
are herein incorporated by reference.

Distribution of an annuitant's interest must start by the first day of April
after the calendar year in which he or she attains age 70 1/2. The election of
one of the payout options must be made at least 60 days prior to the date it is
to begin. For each succeeding year, distribution must be made on or before
December 31. The payout option elected must result in distribution of equal or
substantially equal payments which conform with one of the following: a. over
the annuitant's life; b. over the annuitant's life and the life of his or her
designated beneficiary; c. over a specified period that may not be longer than
the annuitant's life expectancy; d. over a specified period that may not be
longer than the joint life and last survivor expectancy of the annuitant and his
or her designated beneficiary. A single sum payment may also be elected.

If payments under a chosen option are guaranteed, the period of guarantee may
not exceed the annuitant's expected life, or the expected lives of the joint and
last survivor of the annuitant and the secondary annuitant. This limit also
applies to Option 1 under the contract.

Section 4.
DISTRIBUTION UPON DEATH

a Immediate Annuity Contracts

If this Rider is attached to an Immediate Annuity Contract and the annuitant
dies, distribution will continue to be made, if due, as provided in the
contract.

b. Other Annuity Contracts

If this Rider is not attached to an Immediate Annuity Contract, the rules that
follow will apply.

L-8749                                                                    Page 1

<PAGE>

If the annuitant dies after distribution has begun, the unpaid portion of the
annuitant's interest that remains will continue to be paid under the payout
option in effect.

If the annuitant dies before a payout option has begun, the entire interest that
remains must be distributed in accordance with one of the provisions that
follow:

1.   The annuitant's entire interest will be paid to the beneficiary by December
31 of the year containing the fifth anniversary of the annuitant's death.

2.   If the annuitant's interest is payable to a beneficiary who is not the
surviving spouse, and the annuitant has not elected b.1. of this section, then
the entire interest will be distributed under Option 3 of the contract starting
no later than December 31 of the year that follows the year of the annuitant's
death. The period of guarantee will be the lesser of: a. ten years; or b. the
expected life of the beneficiary.

3.   If the beneficiary is the surviving spouse, the spouse may receive payout
under: Option 2 or 3 of the contract; or b.1. of this section; or the spouse may
treat the annuity as his or her own IRA. This election will be deemed to have
been made if such surviving spouse: makes a regular IRA contribution to the
contract; makes a rollover contribution to or from the contract; or fails to
elect any other option provided. Payments under Option 2 or 3 must start prior
to December 31st of the year in which the annuitant would have attained age
70 1/2. The surviving spouse must elect this option within 300 days after the
annuitant's death. If not, we will payout under the method of b.2. of this
section.

4.   The entire interest will be paid in a lump sum to the annuitant's estate
if: a. the annuitant has not designated a beneficiary prior to his or her death;
or b. the beneficiary does not survive the annuitant.

Section 5.
REPORTS

We will send the annuitant an annual report on this IRA.

Section 6.
AMENDMENTS

We will send the annuitant a copy of any amendment needed to maintain the
annuity on a tax-qualified basis in a timely manner. It will be deemed accepted
by the annuitant unless returned to us within ten days of receipt.

Section 7.
OTHER ITEMS

The term Immediate Annuity means an annuity which at issue provides that a
payout of benefits is scheduled to start within eleven months of its effective
date. Unless otherwise provided, the annuitant must make an election at least 60
days before a payout is to start. The election is made by sending us a request
in writing. An election takes effect only if we receive it while the annuitant
is alive.

An individual may satisfy the minimum distribution requirements under Sections
408(a)(6) and 408(b)(3) of the Code by receiving a distribution from one IRA
that is equal to the amount required to satisfy the minimum distribution
requirements for two or more IRAs. For this purpose, the owner of the two or
more IRAs may use the "alternative Method" described in Notice 88-38, 1988-1
C.B. 524, to satisfy the minimum distribution requirements described above.

Life expectancy and joint and last survivor expectancy are computed by use of
the return multiples contained in Tables V and VI of Section 1.72-9 of the
Income Tax Regulations. Life expectancies will be calculated using the
annuitant's or the annuitant's beneficiary's attained age at the time
distribution is required to begin.

In the event of conflict between the foregoing provisions of this Rider and any
provision of the contract, the Rider will override the contract. All other
provisions of the contract remain in full force and effect.

Signed for the Kemper Investors Life Insurance Company at its home office in
Long Grove, Illinois.

    /s/ Debra P. Rezabek                          /s/ Gale K. Caruso

        Secretary                                     President

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