Document:

Exhibit 4(f)

                          DEATH BENEFIT ENDORSEMENT II

This endorsement is made part of the Contract on the Contract Date.

The "DEATH BENEFIT PROVISION" section of the Contract is deleted and replaced
with the following:

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                             DEATH BENEFIT PROVISION
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DEATH OF ANNUITANT

A death benefit is payable to the beneficiary upon the death of the Annuitant
before the Maturity Date, unless there is a contingent Annuitant. A death
benefit is also payable under those Settlement Options which provide for death
benefits. We will pay the beneficiary the death benefit, determined as of the
Death Report Date, in a single sum or apply it to a Settlement Option. A
beneficiary may request that a death benefit payable under this Contract be
applied to a Settlement Option subject to the provisions of this Contract and
the current tax laws.

DEATH OF OWNER WITH ANNUITANT SURVIVING

If the owner is not the Annuitant, and the owner dies (including the first of
joint owners) before the Maturity Date, We will recalculate the value of the
death benefit proceeds under the provisions of Death Benefit Proceeds Prior To
The Maturity Date below, by replacing all references to "Annuitant" with
"owner." The value of the death benefit, as recalculated, will be paid in a
single lump sum or by other election to the party taking proceeds under the
current tax laws.

DEATH PROCEEDS PRIOR TO MATURITY DATE

If the Annuitant dies before age 80 and before the Maturity Date, the death
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benefit payable as of the Death Report Date will be the greatest of a), b), c),
or d) below, less any applicable premium tax:

a)   the Contract value on the Death Report Date less any Purchase Payment
     Credits applied within 12 months of death; or
b)   the Adjusted Purchase Payment (as described below); or
c)   the Step-Up Value (if any, as described below); or
d)   the roll-up death benefit value (as described below) available at the Death
     Report Date

If the Annuitant dies on or after age 80 and before the Maturity Date, the death
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benefit payable as of the Death Report Date will be the greatest of a), b), c)
or d) below, less any applicable premium tax:

a)   the Contract value on the Death Report Date, less any Purchase Payment
     Credits applied within 12 months of death; or
b)   the Adjusted Purchase Payments (as described below); or
c)   the step-up value (if any, as described below); or
d)   the roll-up death benefit value (as described below) available at the
     Annuitant's [80th] birthday, plus any additional Purchase Payments and
     minus any partial surrender reductions (as described below) which occur
     after the Annuitant's [80th] birthday.

ADJUSTED PURCHASE PAYMENT

The initial Adjusted Purchase Payment is equal to the initial Purchase Payment.
Whenever any additional Purchase Payment(s) are made, the Adjusted Purchase
Payment is increased by the amount of the Purchase Payment. Whenever a partial
surrender is taken, the Adjusted Purchase Payment is reduced by a Partial
Surrender Reduction as described below

STEP-UP VALUE

The Step-Value will initially equal the Contract Value on the first Contract
Date anniversary, less any Purchase Payment Credits applied within the last 12
months. On each subsequent Contract Date anniversary that occurs before the
Annuitant's [80th] birthday and before the Annuitant's death, if the Contract
Value less any Purchase payment Credits applied within 12 months is greater than
the Step-Up Value, the Step-Up Value will be increased to equal the Contract
Value less any Purchase Payment Credits applied within the last 12 months. If
the Step-Up Value is greater than the Contract Value less any Purchase Payment
Credits applied within the last 12 months, the Step-Up Value will remain
unchanged. Whenever a Purchase Payment is made, the Step-Up value will be
increased by the amount of that Purchase Payment. Whenever a partial surrender
is taken, the Step-Up Value will be reduced by a partial Surrender Reduction as
described below. The only changes made to the Step-Up Value on or after the
Annuitant's [80th] birthday will be those related to additional Purchase
Payments or partial surrenders as described below.

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     ROLL-UP DEATH BENEFIT VALUE
     On the Contract Date, the roll-up death benefit value is equal to the
     Purchase Payment. On each Contract Date anniversary, the roll-up death
     benefit value will be recalculated to equal a) plus b) minus c), increased
     by 5%, where:

     a)   is the Roll-Up Death Benefit as of the previous Contract Date
          anniversary
     b)   any Purchase Payments made during the previous Contract Year
     c)   any partial surrender reductions (as described below) during the
          previous Contract Year

     On dates other than the Contract Date anniversary, the roll-up death
     benefit value will equal a) plus b) minus c), where:

     a)   the roll-up death benefit value on the previous Contract Date
          anniversary
     b)   any Purchase Payments made since the previous Contract Date
          anniversary
     c)   any partial surrender reductions (as described below) since the
          previous Contract Date anniversary.

     The maximum roll-up death benefit equals 200% of the difference between all
     Purchase Payments and all partial surrender reductions (as described
     below).

     PARTIAL SURRENDER REDUCTIONS

     Adjusted Purchase Payment
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     The Partial Surrender Reduction is equal to 1) the Adjusted Purchase
     Payment 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 less any Purchase Payment Credits applied within 12
     months, immediately prior to the partial surrender.

     Step-Up Value and Roll-Up Value
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     The Partial Surrender Reduction is equal to 1) the amount of the death
     benefit value (Step-Up or Roll-Up Value) 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 less any Purchase
     Payment Credits applied within 12 months, immediately prior to the partial
     surrender.

DEATH PROCEEDS AFTER THE MATURITY DATE

If the Annuitant dies on or after the Maturity Date, We will pay the Beneficiary
a death benefit consisting of any benefit remaining under the Annuity option
then in effect.

INTEREST ON DEATH PROCEEDS

Any interest on death proceeds will be paid in accordance with rules in effect
in Your state at the time of death.

                             /s/ George C. Kokulis

                                    PRESIDENTExhibit 4(g)

                           SPOUSAL CONTINUATION RIDER

This Rider is effective as of the date it is issued for attachment to Your
Contract/Certificate (hereinafter collectively referred to as "Contract"). The
provisions in this Rider supercede any contrary provisions in Your Contract, but
does not supercede the rights of any non-spousal Joint Owner. This Rider is
effective during the accumulation phase of the Contract and will not apply if We
are paying a benefit under a Settlement Option. If Your Contract is subject to
the terms of a qualified plan, then the provisions of this Rider will apply only
if such plan permits.

The definition of Death Report Date if contained in the Contract is amended by
deleting the definition and replacing it with the following:

DEATH REPORT DATE - the Valuation Date coincident with or next following the day
on which We have received 1) Due Proof of Death and 2) a Written Request for an
election of a single sum payment or an alternate Settlement Option as described
in the Contract, or 3) the election of spousal continuation as described in this
Rider.

SPOUSE AS JOINT OWNER

If Your spouse is named as an Owner, and Your death occurs prior to the Maturity
Date of the Contract, Your spouse may elect to continue the Contract as Contract
Owner rather than have the death benefit paid to the Beneficiary. If You were
the Annuitant and Your spouse elects to continue the Contract, Your spouse will
be named the Annuitant as of the Death Report Date.

SPOUSE AS BENEFICIARY

If You are the sole Contract Owner and Your spouse is the sole Beneficiary, Your
Spouse may elect to continue the Contract as Contract Owner. If You were the
Annuitant and Your spouse elects to continue the Contract, Your spouse will be
named the Annuitant as of the Death Report Date.

If Your spouse is named as one of multi-named beneficiaries, he/she can elect to
assume the Contract in the same proportion as he/she was entitled as a
beneficiary.

SPOUSAL CONTRACT CONTINUANCE

If Your spouse elects to continue the Contract as Contract Owner, the death
benefit will be calculated as of the Death Report Date. If the Contract Value is
less than the calculated death benefit amount, the Contract Value will be
increased to equal the death benefit amount. This amount is referred to as the
Adjusted Contract Value. Any difference between the Contract Value and the
Adjusted Contract Value will be allocated to the Investment Options in the same
proportion as the allocations of the Contract prior to the Death Report Date.
Any remaining contingent deferred sales/withdrawal/surrender charge applicable
to the premium(s) paid prior to the Death Report Date will be waived. Your
spouse will be subject to applicable distribution requirements under the
Internal Revenue Code.

New Purchase Payments made and credits (if any) applied to the Contract after
the Death Report Date will be subject to the contingent deferred
sales/withdrawal/surrender charge (if any) reflected in the Contract
Specifications.

All other Contract fees and charges applicable to the original Contract will
also apply to the continued Contract. All other benefits and features described
in the Contract or in any Rider(s) or Endorsement(s) will be based on Your
spouses' age on the Death Report Date as if Your spouse had purchased the
Contract with the Adjusted Contract Value on the Death Report Date.

The provisions of this Rider will only be applied once to this Contract.

                              /s/ George C. Kokulis

                                    PRESIDENT

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