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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. Kokules

                                            PresidentSPOUSAL 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. Kokules

                                    PRESIDENTCASH LOAN RIDER

This rider is made a part of the contract to which it is attached. The date of
issue of the rider is the date the rider is attached to the contract.

You may request a loan by Written Request as stated below:

     1.   the loan must be requested before the Maturity Date; and

     2.   the loan will be made without the consent of any Beneficiary or other
          party unless irrevocably named, or unless such consent is required by
          law; and

     3.   the loan cannot exceed the maximum loan amount as stated below.

We may defer granting a loan for the period permitted by law but not for more
than six months. We will not grant an additional loan until the first loan has
been repaid in full. The minimum and maximum loan amounts are stated below.

A loan may only be taken from the Fixed Account. A transfer of Contract Value
from the Sub-Accounts to the Fixed Account must be made by Written Request prior
to Our granting the loan. The amount transferred to the Fixed Account will be
taken on a pro rata basis from each of the Sub-Accounts which have Contract
Value, unless We are instructed otherwise. An express condition of Us lending
the loan amount is that You will grant Us a security interest in the Contract
Value of the Fixed Account equal to the loan amount.

MINIMUM AND MAXIMUM AMOUNTS

MINIMUM LOAN AMOUNT:     [$1,000]

MAXIMUM LOAN AMOUNT:     80% of the Contract Value for contracts with balances
                         up to $12,500;

                         $10,000 for contracts with balances between $12,500 and
                         $20,000;

                         For contracts with balances over $20,000, the lesser of
                         $50,000 reduced by the highest total amount of loans
                         outstanding during the prior 12 month period or 50% of
                         the Contract Value.

LOAN INTEREST RATE:      The maximum loan interest rate is 8% per year. Loan
                         interest is payable to Us in advance on a quarterly
                         basis, unless We allow otherwise. The loan interest
                         rate in effect upon loan origination will remain
                         constant throughout the term of the loan.

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                     EFFECT OF A LOAN ON THE CONTRACT VALUE
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While a loan remains outstanding, the Contract Value that is equal to the loan
amount will be credited with interest of not less than 3% per year. We will
notify You of the initial rate that will be credited when the loan is granted.
We reserve the right to change the interest rate in the future, but it will
never be less than 3% per year.

The Contract Value may be reduced as stated in the Loan Principal and Interest
Repayments section of this rider.

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    EFFECT OF A LOAN ON TRANSFERS FROM THE FIXED ACCOUNT TO THE SUB-ACCOUNTS
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While a loan remains outstanding, the Cash Surrender Value of the Fixed Account
is the maximum amount that may be transferred from the Fixed Account to any of
the Sub-Accounts, subject to any transfer restrictions of the contract.

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                     LOAN PRINCIPAL AND INTEREST REPAYMENTS
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Loan repayment is set forth in the loan agreement. Once a loan is established,
the repayment period may not be changed. The loan may be repaid in full at any
time without penalty. We may send You periodic payment reminders for the loan
principal and interest amount due.

If the entire payment due is not paid by the due date, one of the following
events will occur:

     1.   If there is Contract Value that is not restricted and is sufficient to
          pay the entire payment due or a portion of the payment amount due, We
          will surrender the amount due from the unrestricted Contract Value.
          Contract Value that is not restricted consists of any amount that is:

               a)   not restricted according to the Internal Revenue Code; and

               b)   attributable to Purchase Payments made by You.

          When the payment due is surrendered from the Contract Value, the
          Contract Value will also be reduced by:

               a)   any amounts deducted on surrender, if applicable, which are
                    shown on the Contract Specifications page; plus

               b)   any applicable Premium Tax not previously deducted; plus

               c)   any applicable Federal or State Income Tax due in accordance
                    with federal and state tax regulations in effect on the date
                    of the surrender.

     2.   When the entire payment due cannot be paid as described in item 1
          above, We will send You a notice reminding You that the amount has not
          been paid. If that payment due is not paid within 60 days of the date
          of Our notice, the outstanding loan plus any accrued interest will be
          considered a loan in default. Interest will continue to be charged and
          credited to the loan in default while the loan is outstanding. We will
          not send you any more periodic payment reminders. Repayment of the
          outstanding loan principal and/or accrued interest will be allowed at
          any time.

          When an event occurs that is recognized under federal tax law or
          regulations as one which allows the Contract Value to be distributed,
          the Contract Value will be reduced by:

               a)   the amount of the outstanding loan plus any accrued
                    interest; plus

               b)   the amounts deducted on surrender, if applicable, which are
                    shown on the Contract Specifications page; plus

               c)   any applicable Premium Tax not previously deducted; plus

               d)   any applicable Federal or State Income Tax due in accordance
                    with federal and state tax regulations in effect on the date
                    of the surrender;

          and the loan will be considered as no longer outstanding.

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                EFFECT ON DEATH BENEFIT ENDORSEMENT FORM TL-12794
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If endorsement form, TL-12794 is attached to your contract, the following
sentence is deleted:

     "The maximum guaranteed death benefit payable equals 200% of the total of
     the purchase payments minus surrenders, minus applicable premium taxes."

and is replaced with the following:

     "The maximum guaranteed death benefit payable equals 200% of the total of
     the purchase payments minus surrenders, minus any outstanding loan amounts,
     minus applicable premium taxes."

                              /s/ George C. Kokules

                                    PRESIDENT

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