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                                                                    Exhibit 4(d)

Kemper Investors Life Insurance Company
A Stock LIfe Insurance Company                                    [LOGO]
1 Kemper Drive                                                    ZURICH
Long Grove, Illinois 60049-0001                                   KEMPER

ENDORSEMENT

This endorsement forms a part of the attached contract. The effective date of
this Endorsement is the effective date of this contract.

All reference throughout this contract to the sex of a person used in
calculation of benefits are deleted from this contract.

Except as modified herein, all terms and conditions of the contract remain
unchanged.

IN WITNESS WHEREOF, Kemper Investors Life Investors Company has caused this
Endorsement to be signed by its President and Secretary.

        /s/ Debra P. Rezabek                        /s/ John B. Scott
          Secretary                                    President

Form L-9006 (9/88)<PAGE>

                                                                    Exhibit 4(e)

Kemper Investors Life Insurance Company
1 Kemper Drive, Long Grove, Illinois 60049-0001

QUALIFIED PLAN RIDER

As used in this Rider, "Contract" means the Contract or Certificate to which
this Rider is attached.  This Rider forms a part of the Contract to which it is
attached.  The applicable provisions of this Rider apply and take precedence
over contrary provisions of the Contract: a. is issued as a Code Section 403(b)
Tax Sheltered Annuity ("Tax Sheltered Annuity") to an individual; or b. is
issued under a plan described in Section 401(a) or 403(b) of the Code if subject
to the requirements of the Employee Retirement Income Security Act of 1974
(ERISA Plans").

SECTION 1 PROVISIONS APPLICABLE TO A TAX SHELTERED ANNUITY:

A. The Owner of the Contract is the Annuitant.

B. The rights of the Annuitant under the Contract are nonforfeitable.

C. The Contract is not transferable and cannot be: sold; assigned; discounted;
   or pledged as collateral for a loan or as security for the performance of an
   obligation or for any other purpose to any person other than us.

D. The amount that may be contributed to this Contract will be governed by the
   provisions of Sections 403(b), 415, and 402(g) of the Code.

E. In the case of benefits that accrued under this Contract after December 31,
   1986, distribution must be: a. made in accordance with the minimum
   distribution requirements of Section 403(b)(10) of the Code; and b. the
   regulations thereunder.

F. Distributions attributable to salary reduction contributions received or
   earnings credited after December 31, 1988 may be paid only when: a. the
   employee attains age 59 1/2; b. separates from service; or c. dies or is
   disabled. Notwithstanding the foregoing, contributions, but not earnings
   thereon, may be distributed in the case of hardship within the meaning of
   Code Section 403(b)(11)(B).

G. If the annuitant receives an eligible rollover distribution and elects to
   have the distribution paid directly to an eligible retirement plan (as
   defined in Section 402(c) of the Code) and specifies the eligible retirement
   plan to which the distribution is to be paid, then the distribution will be
   paid to that eligible retirement plan in a direct rollover.

H. We will not be responsible for the timing, purpose or propriety of any
   distribution. We will not incur any liability or responsibility of any tax
   imposed on account of any such distribution. We are not obligated to make any
   distribution absent a specific written direction in accordance with the
   provisions of the Contract.

SECTION 2. PROVISIONS APPLICABLE TO ERISA PLAN:

   At any time prior to annuity date, an ERISA loan may be requested. One-half
of the Contract will be assigned as security for such a loan. The maximum ERISA
loan amount available is the lesser of: a. $50,000 (reduced by the excess of the
highest outstanding loan balance of all loans during the prior 12 month period
ending on the day before the loan is made over any loan amount outstanding on
the date the loan is made); or b. fifty percent of the Contract Value less Debt.
The minimum ERISA loan amount available is $1,000. We may defer the granting of
an ERISA loan six months from the date of our receipt of a written loan request.

L-8868                                                                    Page 1
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                                                                          Page 2

SECTION 3. PROVISIONS APPLICABLE TO ALL LOANS

A. Definitions:

   Contract Value is the sum of the Fixed Account Contract Value, the Loan
   Value, the Separate Account Contract Value, and the Guarantee Period Value.

   Debt is the principal of any outstanding loan plus loan interest due or
   accrued.

   Loan Value is the outstanding loan amount plus interest credited.

B. When a loan is taken, an amount equal to the loan will be transferred from
   the Fixed Account Contract Value, the Separate Account Contract Value, and
   the Guarantee Period Value for the loan account. Unless you tell us
   otherwise, the loan will proportionately reduce the amount allocated to the
   Fixed Account, the Separate Account, and the Guarantee Periods.

C. The amount of Debt will reduce the amount payable upon death or surrender or
   the amount that may be applied under an annuity option.

D. While a loan is outstanding, the Loan Value will be credited with interest at
   a rate equal to the rate charged on Debt less a deduction not to exceed 2.5%.

E. A loan may be repaid in full or in part at any time prior to the Annuity
   Date.

F. Should the Debt equal or exceed the Contract Value, this Contract will
   terminate thirty-one days after we mail a notice of termination to your last
   known address. The Debt will be treated as a withdrawal. Notice of
   termination may be sent upon occurrence of an event outlined in Section 1(F).

G. The Owner must sign a loan agreement in the form prescribed by us to be
   eligible for a loan. The interest rate and any service fees charged on a loan
   will be as stated in the loan agreement. The loan will also be subject to the
   terms of the agreement to the extent not inconsistent with this rider.

H. All Debt must be repaid prior to the transfer of any amounts to another
   contract.

I. Failure to make timely repayment of Debt will result in a taxable
   distribution and possible tax penalties.

Signed for the Kemper Investors Life Insurance Company at its home office in
Long Grove, Illinois.

        /s/ Debra P. Rezabek              /s/ Gale K. Caruso

                Secretary                          President<PAGE>

                                                                    Exhibit 4(f)

Kemper Investors Life Insurance Company
1 Kemper Drive
Long Grove, Illinois 60049-0001

SIMPLE IRA -
INDIVIDUAL RETIREMENT ANNUITY SUPPLEMENTAL RIDER

This Rider forms a part of the contract to which it is attached. It is issued by
Kemper Investors life Insurance Company (we, us, ours) to provide an Individual
Retirement Annuity ("IRA") as described under Section 408(b) of the Internal
Revenue Code, as amended ("Code"). The contract is amended as follows:

Section 1.
OWNERSHIP - EXCLUSIVE BENEFIT - TRANSFERABILITY - NON FORFEITURE - NON
ASSIGNABLE

The annuitant (you, your, yours) will be the owner of this IRA. This IRA is
established for the exclusive benefit of you and your beneficiaries. Your
interest in this IRA can not be: transferred; forfeited; assigned;
discounted; borrowed against; or pledged as security for any purpose.

Section 2.
PREMIUM PAYMENTS - LIMITATIONS

This SIMPLE IRA will accept only cash contributions made on behalf of the owner
pursuant to the terms of a SIMPLE IRA Plan described in section 408(p) of the
Internal Revenue Code. A rollover contribution or a transfer of assets from
another SIMPLE IRA of the owner will also be accepted. No other contributions
will be accepted.

Any refund of premiums will be applied, before the close of the calendar year
that follows the year of the refund, toward; a. the payment of future
contributions; or b. the purchase of increased benefits.  This does not apply
to premiums that can be attributed to excess contributions.

If contributions made on behalf of the owner pursuant to a SIMPLE IRA Plan
maintained by the owner's employer are received directly by us from the
employer, we will provide the employer with the summary description required by
section 408(1)(2) of the Internal Revenue Code.

Section 3.
TIME AND MANNER OF DISTRIBUTION

Prior to the expiration of the 2-year period beginning on the date the owner
first participated in any SIMPLE IRA Plan maintained by the owner's employer,
any rollover or transfer by the owner of funds from this SIMPLE IRA must be
made to another SIMPLE IRA of the owner.  Any distribution of funds to the owner
during this 2-year period may be subject to a 25-percent additional tax if the
owner does not roll over the amount distributed into a SIMPLE IRA.  After the
expiration of this 2-year period, the owner may roll over or transfer funds to
any IRA of the owner that is qualified under section 408(a) or (b) of the
Internal Revenue Code.

If this SIMPLE IRA is maintained by a designated financial institution (within
the meaning of section 408(p)(7) of the Internal Revenue Code) under the terms
of a SIMPLE IRA Plan of the owner's employer, the owner must be permitted to
transfer the owner's balance without cost or penalty (within the meaning of
section 408(p)(7)) to another IRA.

Notwithstanding any provision herein to the contrary, distribution of your
interest under this Section and Section 4 will be made in accordance with the
minimum distribution rules of Sections 401(a)(9), 408(a)(6) and 408(b)(3) of
the Code and the regulations thereunder.  This includes the incidental death
benefit provisions of Section 1.401(a)(9)-2 of the proposed regulations.
All of these are herein incorporated by reference.

Distribution of your interest must start by the first day of April after the
calendar year in which you attain age 70 1/2. The election of one of the pay out
options must be made at least 60 days prior to the date it is to begin. For each
succeeding year, distribution must be made on or before December 31. The pay out
option elected must result in distribution of equal or substantially equal
payments which conform with one of the following: a. over your life; b. over
your life and the life of your designated beneficiary; c. over a specified
period that may not be longer than your life expectancy; d. over a specified
period that may not be longer than the joint life and last survivor expectancy
of you and your designated beneficiary. A single sum payment may also be
elected.

If payments under a chosen option are guaranteed, the period of guarantee may
not exceed your expected life, or the expected lives of the joint and last
survivor of you and the secondary annuitant. This limit also applies to Option 1
under the contract.

Section 4.
DISTRIBUTION UPON DEATH

a. Immediate Annuity Contracts

If this Rider is attached to an Immediate Annuity Contract and you die,
distribution will continue to be made, if due, as provided in the contract.

b. Other Annuity Contracts

If this Rider is not attached to an Immediate Annuity Contract, the rules that
follow will apply.

L-8150                                                                   Page 1

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If you die after distribution has begun, the unpaid portion of your interest
that remains will continue to be paid under the pay out option in effect.

If you die before a pay out option has begun, the entire interest that remains
must be distributed in accordance with one of the provisions that follow:

1. Your entire interest will be paid to the beneficiary by December 31 of the
year containing the fifth anniversary of your death.

2. If your interest is payable to a beneficiary who is not your surviving
spouse, and you have not elected b.1. of this section, then the entire interest
will be distributed under option 3 of the contract starting no later than
December 31 of the year that follows the year of your death. The period of
guarantee will be lesser of: a. ten years; or b. the expected life of the
beneficiary.

3. If the beneficiary is your surviving spouse, the spouse may receive pay out
under: Option 2 or 3 of the contract; or b.1. of this section; or the spouse may
treat the contract as his or her own IRA. This election will be deemed to have
been made if such surviving spouse: makes a regular IRA contribution to the
contract; makes a rollover contribution to or from the contract; or fails to
elect any other option provided. Payments under Option 2 or 3 must start prior
to December 31st of the year in which you would have attained age 70 1/2. The
surviving spouse must elect this option within 300 days after your death. If
not, we will pay out under the method of b.2. of this section.

4. The entire interest will be paid in a lump sum to your estate if: a. you
have not designated a beneficiary prior to your death; or b. the beneficiary
does not survive you.

Section 5.
REPORTS

We will send you an annual report on this IRA.

Section 6.
AMENDMENTS

We will send you a copy of any amendment needed to maintain the contract on a
tax-qualified basis in a timely manner. It will be deemed accepted by you unless
you return it to us within ten days of the time you receive it.

Section 7.
OTHER ITEMS

The term Immediate Annuity Contract means an annuity contract which at issue
provides that a payout of benefits is scheduled to start within eleven months of
its effective date. Unless otherwise provided, you must make an election at
least 60 days before a pay out is to start. The election is made by sending us a
request in writing. An election takes effect only if we receive it while you are
alive.

An individual may satisfy the minimum distribution requirements under Sections
408(a)(6) and 408(b)(3) of the Code by receiving a distribution from one IRA
that is equal to the amount required to satisfy the minimum distribution
requirements for two or more IRAs. For this purpose, the owner of two or more
IRAs may use the "alternative method" described in Notice 88-38, 1988-1 C.B.
524, to satisfy the minimum distribution requirements described above.

Life expectancy and joint and last survivor expectancy are computed by the use
of the return multiples contained in Tables V and VI of Section 1.72-9 of the
Income Tax Regulations. Life expectancies will be calculated using your or your
beneficiary's attained age at the time distribution is required to begin.

In the event of conflict between the foregoing provisions of this Rider and any
provision of the contract, the Rider will override the contract. All other
provisions of the contact remain in full force and effect.

Signed for the Kemper Investors Life Insurance Company at its home office in
Long Grove, Illinois.

                /s/ Debra P. Rezabek                      /s/ Gale K. Caruso
                Secretary                                 President

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