Document:

Exhibit 4(j)

                            INHERITED CONTRACT 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,
including the Beneficiary Rider and the Spousal Continuation Rider, if
applicable. This Rider amends the contract to allow a designated beneficiary to
leave death proceeds in the accumulation phase of an annuity contract, rather
than receiving those proceeds in a lump sum. The designated beneficiary is the
person whose name follows the phrase "for the benefit of (fbo)" next to the
OWNER designation on the Specifications page. The designated beneficiary must
take at least the required minimum distributions calculated over his/her single
life expectancy as required by the Internal Revenue Code Rules and Regulations.
Surrender charges will not apply to required minimum distributions.

The designated beneficiary will be granted the same rights the Owner has under
the Contract, except the designated beneficiary cannot transfer ownership, take
a loan, nor make any new Purchase Payments to the Contract after the Contract
Date. The designated beneficiary may also name his/her own Beneficiary(s)
(hereafter referred to as succeeding beneficiary). All benefits and features
described in the Contract or in any Riders(s) or Endorsement(s)will be based on
the designated beneficiary's age.

DEATH OF DESIGNATED BENEFICIARY

Prior to the commencement of annuity payments, the succeeding beneficiary(s) may
elect to either receive the death benefit or continue the Contract as described
below.

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 succeeding beneficiary continuance as
described in this Rider.

SUCCEEDING BENEFICIARY(S) CONTINUANCE

If the designated beneficiary dies before annuity payments begin and if the
value of any succeeding beneficiary's portion of the death benefit is between
$20,000 and $1,000,000 as of the designated beneficiary's date of death (amounts
of $1,000,000 or more are subject to home office approval), the succeeding
beneficiary(s) may elect to continue his/her portion of the Contract subject to
applicable distribution requirements under Internal Revenue Code, rather than
receiving the death benefit in a lump sum. This election may not be allowed for
non-natural beneficiaries.

If the succeeding beneficiary(s) elects to continue the Contract, the death
benefit will be calculated as of the date described in the death benefit section
of the Contract (hereafter referred to as the Calculation Date). The initial
Contract/Cash Value of the continued Contract (referred to hereafter as the
Adjusted Contract Value) will equal the greater of the Contract/Cash Value or
the calculated death benefit amount as of the Calculation Date. 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. All
benefits and features described in the Contract or in any
rider(s)/endorsement(s) will be based on the succeeding beneficiary(s) age on
the Calculation Date as if the succeeding beneficiary(s) had purchased the
Contract with the Adjusted Contract Value on the Calculation Date.

The succeeding beneficiary will have all of the rights that the original
designated beneficiary had with the following exceptions:

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1.   the entire Contract/Cash value of the newly continued Contract must be
     distributed to the succeeding beneficiary(s) over the remaining life
     expectancy of the original deceased designated beneficiary;
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 Calculation Date
     associated with the succeeding beneficiary(s)'s death. No further
     continuation of the Contract is allowed.
4.   Additionally, the succeeding 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. 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.

On or after the commencement of annuity payments, if the designated beneficiary
dies, we will pay the succeeding beneficiary(s) any benefits remaining under the
annuity/income option then in effect.

                             /s/ George C. Kokulis

                                    PRESIDENTExhibit 4(k)

                                   ENDORSEMENT

This endorsement is made part of the contract/certificate as of the date it is
attached to the contract/certificate (hereinafter collectively referred to as
"Contract"). The provisions in this Endorsement supercede any contrary
provisions in Your Contract.

All sections of the Contract that pertain to the minimum guaranteed interest
rate for the Fixed/Flexible Annuity Account (hereinafter collectively referred
to as "Fixed Account") are amended as follows:

      The minimum guaranteed interest rate for the Fixed Account is equivalent
      to an annual interest rate of 3.0%. This rate will be used to calculate
      the guaranteed cash/contract values and cash surrender values. We reserve
      the right to adjust and restate the interest rate used to determine the
      minimum guaranteed value of the Fixed Account in the event that applicable
      state insurance law modifies its statutory required minimum interest rate.

The section of the Contract, if any, that discusses transfers between funds is
amended by adding the following language:

      We reserve the right to restrict any premium/purchase payments or
      transfers from the funding options/sub-accounts for allocation to the
      Fixed Account whenever the credited interest rate on the Fixed Account is
      equal to the minimum guaranteed interest rate specified under the
      Contract.

                             /s/ George C. Kokulis

                                    President

TL-22367                                                           TLAC Ed. 8/02Exhibit 4(l)

                       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 0.20%
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
..00000548. 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. Kokulis

                                    President

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