Document:

Exhibit 4(e)

                DEFERRED ANNUAL STEP-UP 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:

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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 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 or 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

         A Step-Up Value will be established on the fourth Contract Date
         anniversary that occurs on or prior to the Death Report Date. The
         Step-Up Value will initially equal the Contract Value on that
         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. If the Death Report Date or the Annuitant's 80th
         birthday occurs before the fourth Contract Date anniversary, there is
         no Step-Up Value.

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.

<PAGE>

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(f)

                      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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