Document:

Exhibit 4(c)

                       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.   250% 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.   250% 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 0.25%
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
..00000685. 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

                                    PresidentExhibit 4(d)

                            DEATH BENEFIT ENDORSEMENT

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:

--------------------------------------------------------------------------------
                             DEATH BENEFIT PROVISION
--------------------------------------------------------------------------------

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 BENEFIT PROCEEDS PRIOR TO THE MATURITY DATE

If the Annuitant dies before the Maturity Date, the death benefit payable as of
the Death Report Date will be the greater of a) or b) below, less any applicable
premium tax or outstanding loan balance:

a)   the Contract value on the Death Report Date; or

b)   the Adjusted Purchase Payment;

          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.

PARTIAL SURRENDER REDUCTION

The Partial Surrender Reduction for (b) above 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.

INTEREST ON DEATH BENEFIT PROCEEDS

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

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.

                              /s/ George C. Kokulis

                                    PresidentExhibit 4(e)

                           DEATH BENEFIT ENDORSEMENT A

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:

--------------------------------------------------------------------------------
                             DEATH BENEFIT PROVISION
--------------------------------------------------------------------------------

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 THE MATURITY DATE

Upon the death of the Annuitant, the death benefit payable as of the Death
Report Date will be the greatest of a), b) or c) below, less any applicable
premium tax and outstanding loan balance:

a)   the Contract value on the Death Report Date ; or

b)   the Adjusted Purchase Payment (as described below); or

c)   the Step-Up Value (if any, as described below)

          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. On each subsequent Contract Date
          anniversary that occurs before the Annuitant's [80th] birthday and
          before the Annuitant's death, if the Contract Value is greater than
          the Step - Up Value, the Step - Up Value will be increased to equal
          the Contract Value. If the Step -Up Value is greater than the Contract
          Value, 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.

<PAGE>

PARTIAL SURRENDER REDUCTIONS

ADJUSTED PURCHASE PAYMENT

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.
immediately prior to the partial surrender.

STEP - UP VALUE

The Partial Surrender Reduction is equal to 1) the Step - 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,
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

                                    PRESIDENT

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