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BENEFICIARY RIDER

This Rider is effective as of the date it is issued for attachment to Your
Contract/Certificate (hereafter collectively referred to as Contract). The
provisions in this Rider supercede any contrary provisions in Your Contract,
except for Non-Qualified Annuity Spousal Continuation Rider provisions. This
Rider is effective during the accumulation phase of the Contract and will not
apply if We are paying a benefit under an annuity/income 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) an election of Beneficiary Continuance as described in
this Rider.

BENEFICIARY(S) CONTINUANCE

If Your death occurs prior to the commencement of annuity payments and the value
of any Beneficiary's portion of the death benefit is at least $20,000 but less
than $1,000,000 (amounts of $1,000,000 or more are subject to home office
approval) as of Your date of death, such Beneficiary(s) may elect to continue
his/her portion of the Contract subject to applicable distribution requirements
under Internal Revenue Code, rather than have the death benefit paid to him/her.
This election may not be allowed for non-natural beneficiaries. If Your spouse
is the "designated beneficiary" as defined in Section 72(s) of the Internal
Revenue Code, Your spouse can either elect Beneficiary Continuance subject to
the terms under this rider, or he/she can elect to continue the contract as
Owner as stated in other sections of Your Contract describing alternate options
allowed under Section 72(s).

If Your Beneficiary(s) elects to continue the Contract, the death benefit will
be calculated as of the date described in the death benefit section of Your
Contract (hereafter referred to as the Calculation Date). If the Contract/Cash
Value is less than the calculated death benefit amount, the initial
Contract/Cash Value of the continued Contract will be equal to the death benefit
amount. This amount is referred to as the Adjusted Contract Value. Any
difference between the Contract/Cash Value on the Calculation Date 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 Calculation Date.

If the Beneficiary(s) elects to continue the Contract, the Beneficiary(s) will
be granted the same rights as the Owner had under the Contract, except the
Beneficiary(s) cannot transfer ownership, take out a loan, nor make any new
Purchase Payments to the Contract after the Calculation Date. The Beneficiary(s)
may also name his/her own beneficiary (hereafter referred to as Succeeding
Beneficiary). Additionally, the Beneficiary(s) has the right to take full or
partial withdrawals at any time from the Contract after the Calculation Date
without the imposition of any contingent deferred sales/withdrawal/surrender
charge reflected in the Contract. All other Contract fees and charges applicable
to the original Contract will 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 Beneficiary(s)'s age on the Calculation
Date as if Your Beneficiary had purchased the Contract with the Adjusted
Contract Value on the Calculation Date. However, if a Principal Protection Rider
and/or Enhanced Stepped-Up Provision Rider is attached to the Contract, these
riders and their associated charges will no longer be effective after the
Calculation Date.

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SUCCEEDING BENEFICIARY(S) CONTINUANCE

Prior to the commencement of annuity payments, if the Beneficiary(s) who
continued the Contract dies, the death benefit will be calculated on the new
Calculation Date associated with the Beneficiary(s)'s death. The Succeeding
Beneficiary(s) may elect to either receive the death benefit or continue the
Contract in the same manner as described above in the Beneficiary Continuance
section with the following exceptions:

1.   the entire Contract/Cash value of the newly continued Contract must be
     distributed to the Succeeding Beneficiary(s) over the life expectancy of
     the original deceased Beneficiary(s);

2.   the Succeeding Beneficiary(s) cannot name their own beneficiary(s);and

3.   at the death of the Succeeding Beneficiary(s), the death benefit, if any,
     must be paid to the estate of the Succeeding Beneficiary(s). The death
     benefit will equal the Contract/Cash Value as of the new Calculation Date
     associated with the Succeeding Beneficiary(s)'s death. No further
     continuation of the Contract is allowed.

On or after the commencement of annuity payments, if the Beneficiary(s) who
continued the Contract dies, we will pay the Succeeding Beneficiary(s) any
benefits remaining under the annuity/income option then in effect.

                              /s/ George C. Kokules

                                    PRESIDENTExhibit 4j

                       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.

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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.

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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.

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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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