Document:

Exhibit 4(h)

                       ENHANCED STEPPED-UP PROVISION RIDER

THIS RIDER IS NOT AVAILABLE WHEN EITHER THE ANNUITANT OR OWNER IS AGE 76 OR
OLDER ON THE RIDER EFFECTIVE DATE.

The Rider Effective Date is the date this rider is attached to and made a part
of the contract. If You previously elected the Enhanced Stepped-Up Provision
Rider, form TL-22320, the Rider Effective Date for this rider is the Contract
Date and this rider replaces form TL-22320.

The DEATH PROCEEDS PRIOR TO MATURITY DATE section of the contract or any
attached endorsement/rider is amended by adding the following language to the
end of the section:

The total death benefit payable as of the Death Report Date will equal the death
benefit described in the contract or any attached endorsement/rider plus the
greater of zero or the following amount:

     If the Annuitant is younger than age 70 on the Rider Effective Date:
     --------------------------------------------------------------------
     40% of the lesser of
     1.   200% of: the Modified Purchase Payment(s) excluding Purchase
          Payment(s) that are both received after the first Rider Effective Date
          anniversary and within 12 months of the Death Report Date, or
     2.   Your contract value minus the Modified Purchase Payment(s), calculated
          as of the Death Report Date.

     If the Annuitant is between the ages of 70 and 75 on the Rider Effective
     ------------------------------------------------------------------------
     Date:
     -----
     25% of the lesser of
     1.   200% of: the Modified Purchase Payment(s) excluding Purchase
          Payment(s) that are both received after the first Rider Effective Date
          anniversary and within 12 months of the Death Report Date, or
     2.   Your contract value minus the Modified Purchase Payment(s), calculated
          as of the Death Report Date.

     Modified Purchase Payment(s)
     ----------------------------
     The initial Modified Purchase Payment is equal to the contract value as of
     the Rider Effective Date. Whenever a Purchase Payment is made after the
     Rider Effective Date, the Modified Purchase Payment(s) are increased by the
     amount of the Purchase Payment. Whenever a partial surrender is taken after
     the Rider Effective Date, the Modified Purchase Payment(s) are reduced by a
     Partial Surrender Reduction as described below.

     The Partial Surrender Reduction is equal to 1) the Modified Purchase
     Payment(s) in effect immediately prior to the reduction for the partial
     surrender, multiplied by 2) the amount of the partial surrender divided by
     3) the contract value immediately prior to the partial surrender.

The annual Mortality and Expense charge of the contract is increased by 0.15%
for election of this rider. This increase annual Mortality and Expense charge
will result in an increase to the total funding option daily deduction of
..00000411. If election of an Enhanced Stepped-Up Provision Rider takes place on
the Contract Date, these charges will also be shown on the Contract
Specifications Page.

This Rider is to be read in conjunction with the Non-Qualified Annuity Spousal
Continuation Rider, if applicable.

                             /s/ George C. Kokulis

                                    PresidentExhibit 4(i)

                       GUARANTEED MINIMUM WITHDRAWAL RIDER

CONTRACT NUMBER:         [SPECIMEN]
EFFECTIVE  DATE:         [JANUARY 1, 2003]

SUMMARY OF BENEFITS

This Rider Effective Date is the date this rider is issued for attachment to
Your Contract/Certificate (hereinafter collectively referred to as Contract.)
This rider is effective during the accumulation phase of the Contract. Loans
will not be allowed under Your Contract once this rider is effective. This rider
cannot be terminated by either You or Us after the Rider Effective Date, except
when We begin paying a benefit under an Annuity/Income Option or if this
Contract is assigned, at which time all benefits under this rider will
terminate. Except where this rider provides otherwise, it is subject to all the
conditions and limitations of the Contract.

This rider provides a guaranteed minimum withdrawal benefit that gives You the
right to make periodic partial surrenders/withdrawals (hereinafter referred to
as withdrawals) as described below, even if Your Contract Value reduces to zero.
You have the right to "Reset" Your benefits under this rider at certain
intervals as described under the section entitled "Reset of the RBB and AWB"
section. We may modify the charge for this rider if you elect to Reset as
described under the "Rider Charge" section.

RIDER EFFECTIVE DATE ANNIVERSARY

Definition: A Rider Effective Date Anniversary is defined as the yearly
recurrence of the Rider Effective Date.

REMAINING BENEFIT BASE (RBB)

Definition: The Remaining Benefit Base at any time is the total guaranteed
amount available for future partial withdrawals under this rider. However, at
any time You may withdraw an amount up to Your Contract Value, subject to the
provisions of this rider and your Contract.

At any time, Your RBB is subject to a maximum RBB of $1,000,000 without home
office approval. Your RBB is determined/updated as described below:

Initial RBB
-----------
If this rider is effective on the Contract Date, then the initial RBB equals the
initial Purchase Payment. If Rider Effective Date is later than the Contract
Date, then the initial RBB equals 100% of the Contract Value on the Rider
Effective Date, less any purchase payment credits received within the 12 months
prior to the Rider Effective Date.

When a subsequent Purchase Payment is made
------------------------------------------
Upon each subsequent Purchase Payment, the RBB is recalculated to equal the sum
of the RBB immediately prior to receipt of the subsequent Purchase Payment, plus
100% of the subsequent Purchase Payment not including purchase payment credits,
if any. The Company reserves the right not to include subsequent Purchase
Payments in the calculation of the RBB.

<PAGE>

When a partial withdrawal is made
---------------------------------
Whenever a partial withdrawal is made, the RBB will be equal to the amount
determined in either (a) or (b) as follows:

     (a)  If the total amount of all partial withdrawals taken since the most
          recent Rider Effective Date Anniversary, including the current partial
          withdrawal, is equal to or less than the AWB immediately prior to the
          partial withdrawal, the RBB will be recalculated to equal the RBB
          immediately prior to the partial withdrawal, less the amount of the
          partial withdrawal.

     (b)  If the total amount of all partial withdrawals taken since the most
          recent Rider Effective Date Anniversary, including the current partial
          withdrawal, exceeds the AWB immediately prior to the withdrawal, the
          RBB will be recalculated by reducing it by a Partial Withdrawal
          Reduction as described below:

               The Partial Withdrawal Reduction is equal to 1) the RBB in effect
               immediately prior to the reduction for the partial withdrawal,
               multiplied by 2) the amount of the partial withdrawal divided by
               3) the Contract Value immediately prior to the partial
               withdrawal, less any purchase payment credits received within the
               12 months prior to that withdrawal.

               If the total partial withdrawals since the most recent Rider
               Effective Date Anniversary are in excess of any free withdrawal
               allowance under the Contract, but less than or equal to the AWB,
               then any applicable deferred sales charge/amount deducted on
               surrender will be waived on these partial withdrawals.

For purposes of this rider, the term "partial withdrawal" includes any
applicable contingent deferred sales charges/amounts deducted on surrender and
taxes.

ANNUAL WITHDRAWAL BENEFIT (AWB)

Definition: the Annual Withdrawal Benefit is the maximum amount available for
withdrawal in each 12 month period beginning on the Rider Effective Date,
without incurring a Partial Withdrawal Reduction to the AWB. If You choose to
receive only a portion of, or none of, your AWB in any given 12 month period
since the Rider Effective Date, Your AWB will not be increased, as the AWB is
not cumulative from year to year.

Your AWB is established at the following times:

Initial AWB:
------------
Your initial AWB will be determined at the time of the first partial withdrawal
taken under the Contract. Your initial AWB will equal 10% of the RBB immediately
prior to the first partial withdrawal, if the first partial withdrawal is taken
on or after the third Rider Effective Date Anniversary. The initial AWB will
equal 5% of Your RBB immediately prior to the first partial withdrawal, if the
first partial withdrawal is taken prior to the third Rider Effective Date
Anniversary.

<PAGE>

When a subsequent Purchase Payment is made:
-------------------------------------------
Upon each subsequent Purchase Payment after the first partial withdrawal, the
AWB is recalculated to equal the sum of the AWB immediately prior to receipt of
the subsequent Purchase Payment, plus a percentage of the subsequent Purchase
Payment. The percentage of the subsequent purchase payment will equal the
percentage of the RBB (5% or 10%) used in determining the initial AWB. We will
not include the subsequent Purchase Payment in the calculation of the AWB, if
that payment is not included in the calculation of the RBB.

When a partial withdrawal is made:
----------------------------------
Whenever a partial withdrawal is made, the AWB will be equal to the amount
determined in either (c) or (d) as follows:

     (c)  If the total amount of all partial withdrawals taken since the most
          recent Rider Effective Date Anniversary, including the current partial
          withdrawal, is equal to or less than the AWB immediately prior to the
          partial withdrawal, the AWB will not be recalculated.

     (d)  If the total amount of partial withdrawals taken since the most recent
          Rider Effective Date Anniversary, including the current partial
          withdrawal, exceeds the AWB immediately prior to the withdrawal, the
          AWB will be recalculated by reducing it by a Partial Withdrawal
          Reduction as described below:

               The Partial Withdrawal Reduction is equal to 1) the AWB in effect
               immediately prior to the reduction for the partial withdrawal,
               multiplied by 2) the amount of the partial withdrawal divided by
               3) the Contract Value immediately prior to the partial
               withdrawal, less any purchase payment credits received within the
               12 months prior to that withdrawal.

RESET OF THE RBB AND AWB

At the times determined below, You may elect in a written form acceptable to Us
to Reset the RBB and the AWB as follows:

RBB Reset
---------
Beginning on the 5th Rider Effective Date Anniversary, You have the option to
reset (hereinafter referred to as the Reset) the RBB to an amount equal to 100%
of the then current Contract Value, less any purchase payment credits received
within the 12 months prior to the Reset Date. Once a Reset has been elected,
another Reset may not be elected until on or after the 5th anniversary of the
latest Reset Date. During the time that You are eligible to elect a Reset, We
may allow You to Reset Your RBB only on a Rider Effective Date Anniversary.

AWB Reset
---------
Upon Reset, the AWB will be recalculated as a percentage of the Reset RBB value.
The percentage will equal the percentage of the RBB (5% or 10%) used in
determining the initial AWB.

When a partial withdrawal is made after a Reset
-----------------------------------------------
Whenever a partial withdrawal is made after a Reset, the recalculation of the
RBB and AWB as described above will be modified by substituting the "most recent
Reset Date Anniversary" in place of the "most recent Rider Effective Date
Anniversary." The Reset Date Anniversary is defined as the yearly recurrence of
the Reset Date.

<PAGE>

CONTRACT VALUE REDUCES TO ZERO

If Your Contract Value reduces to zero, and the RBB is greater than zero, the
AWB will continue to be paid to You until the RBB is reduced to zero. The total
annual payment(s) will equal the AWB, but will not exceed the RBB.

All other rights under Your Contract cease, and We will no longer accept
subsequent Purchase Payments. All optional endorsements are terminated without
value. Upon Your death, Your Beneficiary(s) will receive the remaining scheduled
payments. No other death benefit or Enhanced Stepped-Up Provision (if any) will
be paid.

RIDER CHARGE

The charge for this rider is a daily charge equivalent to an annual charge of
0.40% (assuming a 365-day year) of the daily value of the underlying funds,
subject to a guaranteed maximum charge of 1.00%. The charge for this Rider may
change if You elect to Reset the RBB. However, the rider charge will never
exceed the guaranteed maximum charge. If the RBB is not Reset by the Contract
Owner, the charge established on the Rider Effective Date will not change. The
charge for this rider will be discontinued once We begin paying a benefit under
an Annuity/Income Option or if this Contract is assigned.

CONTRACT CONTINUATION BY SURVIVING SPOUSE OR BENEFICIARY

If the surviving spouse or Beneficiary continues the Contract under the
provisions of Spousal or Beneficiary Continuation provisions, if any, and this
rider is effective at the time of continuation, then the same terms/conditions
that applied to the Owner under this rider would continue to apply to the
surviving spouse/Beneficiary who continued the Contract.

EFFECT ON THE DEATH BENEFIT

Except as described above under the "Contract Continuation by Surviving Spouse
or Beneficiary provision," the provisions of this Rider will terminate upon the
death of the Owner and the death benefit amount will be determined under the
death benefit provisions of the Contract. However, if Your Contract provides for
a death benefit amount that is the greatest of multiple benefits including the
Adjusted Purchase Payment, the Adjusted Purchase Payment provision is deleted
and replaced with "total Purchase Payments made to the Contract, less any prior
withdrawals."

                             /s/ George C. Kokulis

                                    President

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