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                                                                     EXHIBIT 4.5

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 tranfer 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.

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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 the 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 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 contract 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<PAGE>

                                                                     Exhibit 4.6

Kemper Investors Life Insurance Company

AMENDMENT TO CONTRACT TO QUALIFY A ROTH INDIVIDUAL RETIREMENT ANNUITY ("ROTH
IRA") UNDER SECTION 408A OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED
("CODE")

This Amendment is made a part of this annuity contract. It is issued by Kemper
Investors Life Insurance Company (we, us, ours) to qualify the contract as a
Roth Individual Retirement Annuity ("Roth IRA") under Section 408A of the
Internal Revenue Code of 1986, as amended ("Code"). Notwithstanding any other
specific provisions in the contract to the contrary, the contract is amended to
restrict your rights or the rights of the Annuitant and any beneficiary, and to
limit the contributions, as follows:

1. You may not transfer ownership of the contract, sell the contract, or assign
   or pledge the contract as collateral for a loan or as security for the
   performance of an obligation or for any other purpose, to any person other
   than to us or your former spouse under a divorce decree or under a written
   instrument incident to that divorce.

2. The contract is established for the exclusive benefit of you and your
   beneficiaries.

3. Your interest in the contract is nonforfeitable.

4. Dividends, if applicable, will not be paid in cash but will be applied as
   contributions to the contract.

5. At least once each calendar year, we shall furnish you or your payee a report
   concerning the status of the contract.

6. The contract will accept contributions only as follows:

     A.   Contributions to this contract must be paid in cash and, except in the
          case of a trustee-to-trustee transfer from another Roth IRA, or in the
          case of a qualified rollover contribution, may not exceed the excess
          of your contribution limit for the taxable year over the aggregate
          contributions made during the taxable year to all other Roth IRA's and
          IRA's held by you. Contributions may be made without respect to your
          age.

          The contribution limit for the taxable year is either: (1) the lesser
          of $2,000 or 100% of your compensation for the taxable year; or (2)
          where you file a joint return and receive less compensation for the
          taxable year than your spouse, the lesser of $2,000 or 100% of your
          compensation and your spouse's compensation for the taxable year less
          your spouse's contribution to a Roth IRA or IRA (if any) for the same
          taxable year.

          When your adjusted gross income (AGI) exceeds the applicable dollar
          limit (ADL; see description below), the annual contribution limit is
          reduced by the following amount:

            Annual
            Contribution    X       Your AGI - ADL
                                   -----------------------------------------
            Limit                   $15,000 ($10,000 if the you are married)

          For purposes of this section: AGI does not include any amount included
          in gross income as a result of a rollover of an IRA to a Roth IRA; and
          AGI is reduced by any deduction under section 219 of the Code.

          The ADL is: $150,000 for you filing a joint return; or $95,000 for you
          filing a single return; or $-0 for you as married filing a separate
          return.

     B.   A qualified rollover contribution described in section 408A(e) can be
          made only from: (1) another Roth IRA; or (2) another IRA, which is not
          a Roth IRA, and can be made from in IRA other than a Roth IRA only if
          your AGI for the taxable year of the rollover does not exceed
          $100,000.

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     C.      For purposes of this section, compensation means: wages, salaries,
             professional fees, or other amounts derived from or received for
             personal service actually rendered (including, but not limited to
             commissions paid to salespersons, compensation for services on the
             basis of a percentage of profits, commissions on insurance
             premiums, tips, and bonuses); and includes earned income, as
             defined in section 401(c)(2) (reduced by the deduction the self-
             employed individual takes for contributions made to a self-employed
             retirement plan). For purposes of this definition, section
             401(c)(2) shall be applied as if the term trade or business for
             purposes of section 1402 included service described in subsection
             (c)(6). Compensation does not include amounts derived from or
             received as earnings or profits from property (including, but not
             limited to interest and dividends) or amounts not includible in
             gross income. Compensation also does not include any amount
             received as a pension or annuity or as deferred compensation. The
             term "compensation" shall include any amount includible in your
             gross income under section 71 with respect to a divorce or
             separation instrument described in subparagraph (A) of section
             71(b)(2).

7.   Your entire interest will be distributed in accordance with one of the
     following provisions, as elected:

     A. (1)  Your entire interest will be paid by December 31 following the
             fifth anniversary of your death.

        (2)  If any portion of your interest is payable to a designated
             beneficiary and such beneficiary has not elected 7.A(1) above, then
             the entire interest which is payable to the beneficiary will be
             distributed in substantially equal installments over a period not
             exceeding the life or life expectancy of the designated
             beneficiary, commencing by December 31 following the first
             anniversary of your death. The designated beneficiary may elect at
             any time to receive greater payments if otherwise permitted under
             the terms of the contract.

        (3)  In applying the requirements of 7.A(2) above to any portion of your
             interest which is payable to your surviving spouse, the date on
             which the payments must commence is the later of: (a) December 31
             following the date you would have attained age 70 1/2; or (b)
             December 31 following the first anniversary of your death.

        (4)  If your designated beneficiary is your surviving spouse, your
             spouse may treat the contract as your spouse's own Roth IRA. This
             election will be deemed to have been made: if the surviving spouse
             makes a rollover or other contribution into this contract; or if
             the surviving spouse has failed to satisfy one or more requirements
             described in 7.A(1) or 7.A(2) above. If the surviving spouse dies
             before distributions are required to begin under this section, the
             surviving spouse will be treated as having elected to make the Roth
             IRA his or her own Roth IRA.

     B.      For purposes of this section, life expectancy will be computed by
             use of the return multiples specified in Tables V or VI of section
             1.72-9 of the Income Tax Regulations based on the attained age of
             such beneficiary during the calendar year in which distributions
             are required to commence pursuant to this section. Payments for any
             subsequent calendar year will be based on this life expectancy
             reduced by one for each calendar year which has elapsed since the
             calendar year life expectancy was first calculated. Your designated
             beneficiary who is your surviving spouse may elect, prior to the
             time that payments have begun to him or her, to redetermine life
             expectancy each year based on the beneficiary's attained age in
             each such year.

8.   The contract shall be amended from time to time, if required, to reflect
     any changes in the Code, related regulations, or other federal tax
     requirements.

9    This amendment is effective as of the later of: the date the contract is
     issued; or the date the contract is converted from an IRA to a Roth IRA.

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

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

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