Document:

Exhibit 4(g)

                           SPOUSAL 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 K. Kokulis

                                    PRESIDENTExhibit 4(h)

                                BENEFICIARY 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,
except for Non-Qualified Annuity Spousal Continuation Rider provisions. This
Rider is effective during the accumulation phase of the Contract and will not
apply if We are paying a benefit under an annuity/income 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) an election of Beneficiary Continuance as described in
this Rider.

BENEFICIARY(S) CONTINUANCE

If Your death occurs prior to the commencement of annuity payments and the value
of any Beneficiary's portion of the death benefit is at least $20,000 but less
than $1,000,000 (amounts of $1,000,000 or more are subject to home office
approval) as of Your date of death, such Beneficiary(s) may elect to continue
his/her portion of the Contract subject to applicable distribution requirements
under Internal Revenue Code, rather than have the death benefit paid to him/her.
This election may not be allowed for non-natural beneficiaries. If Your spouse
is the "designated beneficiary" as defined in Section 72(s) of the Internal
Revenue Code, Your spouse can either elect Beneficiary Continuance subject to
the terms under this rider, or he/she can elect to continue the contract as
Owner as stated in other sections of Your Contract describing alternate options
allowed under Section 72(s).

If Your Beneficiary(s) elects to continue the Contract, the death benefit will
be calculated as of the date described in the death benefit section of Your
Contract (hereafter referred to as the Calculation Date). If the Contract/Cash
Value is less than the calculated death benefit amount, the initial
Contract/Cash Value of the continued Contract will be equal to the death benefit
amount. This amount is referred to as the Adjusted Contract Value. Any
difference between the Contract/Cash Value on the Calculation Date 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 Calculation Date.

If the Beneficiary(s) elects to continue the Contract, the Beneficiary(s) will
be granted the same rights as the Owner had under the Contract, except the
Beneficiary(s) cannot transfer ownership, take out a loan, nor make any new
Purchase Payments to the Contract after the Calculation Date. The Beneficiary(s)
may also name his/her own beneficiary (hereafter referred to as Succeeding
Beneficiary). Additionally, the 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. All other
benefits and features described in the Contract or in any Rider(s) or
Endorsement(s) will be based on Your Beneficiary(s)'s age on the Calculation
Date as if Your Beneficiary had purchased the Contract with the Adjusted
Contract Value on the Calculation Date. 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.

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SUCCEEDING BENEFICIARY(S) CONTINUANCE

Prior to the commencement of annuity payments, if the Beneficiary(s) who
continued the Contract dies, the death benefit will be calculated on the new
Calculation Date associated with the Beneficiary(s)'s death. The Succeeding
Beneficiary(s) may elect to either receive the death benefit or continue the
Contract in the same manner as described above in the Beneficiary Continuance
section with the following exceptions:
1.   the entire Contract/Cash value of the newly continued Contract must be
     distributed to the Succeeding Beneficiary(s) over the life expectancy of
     the original deceased Beneficiary(s);
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 new Calculation Date
     associated with the Succeeding Beneficiary(s)'s death. No further
     continuation of the Contract is allowed.

On or after the commencement of annuity payments, if the Beneficiary(s) who
continued the Contract 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(i)

                 PLANNED DEATH BENEFIT SETTLEMENT OPTIONS RIDER

This rider is effective as of the date it is attached to Your contract. This
rider supercedes any contrary provisions in Your contract and incorporates by
reference the provisions of Your tax law qualification rider.

This rider amends the contract by adding the following new provision to the
contract.

The Owner may elect that the Beneficiary(s) is to receive all or a portion of
the death benefit proceeds, subject to Internal Revenue Code rules and
regulations,
1.   through an annuity for life or for a period that does not exceed the life
     expectancy of the Beneficiary, or
2.   under the terms of the Beneficiary Rider, with the following exception: no
     surrenders will be allowed other than those payments designed to satisfy at
     least the required annual minimum distribution amounts or systematic
     withdrawal amounts if greater, according to your election.

Such election must be made in writing in a form acceptable to us and may only be
revoked by the Owner in writing in a form acceptable to us. Upon death of the
Owner, the Beneficiary cannot revoke or modify an election made by the Owner on
how the death benefit proceeds are to be received.

If the Death Benefit at the time We receive Due Proof of Death is less than
$2000, We will only pay a lump sum to the Beneficiary. If any periodic payments
due are less than $100, We reserve the right to make annuity payments at less
frequent intervals, resulting in a payment of at least $100 per year. If no
Beneficiary is alive when death benefits become payable, payment will be made as
provided in the contract.

                             /s/ George C. Kokulis

                                    President

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