Document:

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                                EXHIBIT (4)(s)

                          FORM OF POLICY ENDORSEMENT
                        (ADDITIONAL DEATH DISTRIBUTION)
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              [LETTERHEAD OF TRANSAMERICA LIFE INSURANCE COMPANY]

                 (Hereafter called the Company, we, our or us)

                        ADDITIONAL DEATH BENEFIT RIDER

We issued this rider as a part of the policy to which it is attached.

This rider will pay an Additional Death Benefit amount equal to a percentage of
the gains accumulated in the policy since the rider was added. This additional
death benefit will be paid whenever death proceeds are payable on the base
policy to which this rider is attached.

This rider will be considered terminated when the policy is annuitized or
surrendered, or an additional death benefit is paid under the terms of this
rider.  You may also terminate this benefit at any time by notifying us at our
service center.  Once terminated, this rider may be re-elected.  However, a new
rider will be issued and the Additional Death Benefit amount will be re-
determined.

Policy Number:                                    [123456]
Rider Date:                                       [11-14-2000]
Additional Death Benefit Factor:                  [10.00]%
Rider Fee Percentage:                             [0.75]%

DEFINITIONS

Rider Anniversary
The anniversary of the Rider Date for each year the rider remains in force.

Rider Date
The date that this rider is added to the policy.

Rider Earnings
The policy gains accrued and not previously withdrawn since the Rider Date. On a
given date, this amount is equal to: the death proceeds of the base policy;
minus the Policy Value of the base policy on the Rider Date; minus premiums paid
after the rider date; plus amounts withdrawn from the Policy Value after the
Rider Date that exceed the Rider Earnings on the date of the withdrawal.

ADDITIONAL DEATH BENEFIT AMOUNT

If death proceeds are payable under the terms of the base policy to which this
rider is attached, this rider will pay an Additional Death Benefit equal to the
Additional Death Benefit Factor multiplied by the Rider Earnings on the date
used to calculate the death proceeds.

ADDITIONAL DEATH BENEFIT PREMIUM

We will deduct a fee from the Policy Value on each Rider Anniversary and a pro-
rated fee on the termination date of the rider. The Rider Fee is equal to the
Policy Value at the time the fee is deducted, multiplied by the Rider Fee
Percentage shown on the first page of this rider. The fee will be deducted from
each subaccount and fixed account in proportion to the amount of Policy Value in
each account. This fee will not be deducted after the policy is annuitized.

RTP 1 201
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SPOUSAL CONTINUATION

If a death occurs and the deceased's spouse, if any, is continuing the base
policy in lieu of receiving the death proceeds, the continuing spouse has the
following options:

 .    Terminate the Additional Death Benefit Rider and receive a one-time Policy
     Value increase equal to the amount of the Additional Death Benefit. All
     future surrender charges on this amount, if any, will be waived.

 .    Continue the Additional Death Benefit Rider without the one-time Policy
     Value increase. An Additional Death Benefit Amount would then be paid upon
     the death of the continuing spouse.

Additional Death Benefit Example:

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------------------------
Additional Death Benefit Example Assumptions:
----------------------------------------------------------------------------------------------------------------------------
<S>                                                                                                             <C>
 Contract value at rider issue                                                                                      $100,000
 Premium payments after rider issue                                                                                 $ 25,000
 Rider Earnings withdrawn                                                                                           $ 35,000
 Death proceeds on base contract                                                                                    $225,000
 Additional Death Benefit Factor                                                                                          10%

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 Additional Death Benefit Calculations:
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 Rider Earnings = death proceeds - contract value on the Rider Date - premium payments after the Rider Date +
 withdrawals that exceed Rider Earnings on date of withdrawal = $225,000 - $100,000 - $25,000 + $0                  $100,000

 Additional Death Benefit Amount = Additional Death Benefit Factor * Rider Earnings = 10% * $100,000                $ 10,000

 Total death proceeds = death proceeds on base contract + Additional Death Benefit Amount = $225,000 + $10,000      $235,000
----------------------------------------------------------------------------------------------------------------------------
</TABLE>

                       Signed for Us at our Home Office.

            /s/ Craig D. Vermie          /s/ Larry N. Norman

                 SECRETARY                    PRESIDENT

RTP 1 201 (2)<PAGE>

                                EXHIBIT (4)(t)
                                --------------

                           FORM OF POLICY ENDORSMENT
                          (INITIAL PAYMENT GUARANTEE)
<PAGE>

                          PFL Life Insurance Company
   Administrative Office: 4333 Edgewood Road N. E., Cedar Rapids, Iowa 52499

                        Initial Payment Guarantee Rider

Guaranteed Minimum Payment                    [ $500.00]

Initial Payment Guarantee Rider Fee           [ 1.25%]

Investment Limitations                        [ None ]

You have selected the Initial Payment Guarantee Option. This Rider, which is
issued as part of Your Contract, explains the guarantees, terms and conditions
under the Option. The Initial Payment Guarantee Rider applies only to stabilized
variable Annuity Payments.

Definitions

Guaranteed Minimum Payment - the minimum payment We guarantee. Your Stabilized
Payments will never be less than this amount, shown at the top of this page.

Initial Payment Guarantee Option and First-Year Stabilized Payment

With the Initial Payment Guarantee Option, Your Stabilized Payments will never
be less than the Guaranteed Minimum Payment. For the first year, Your Stabilized
Payment is equal to the Estimated First Variable Annuity Payment.

How Subsequent Stabilized Payments are Determined

On each Contract anniversary, We will determine a new Stabilized Payment. The
new Stabilized Payment will equal the greater of the Guaranteed Minimum Payment
or the Supportable Payment.

            IF the Supportable Payment is greater than the Guaranteed Minimum
            Payment,
            THEN the Supportable Payment becomes Your new Stabilized Payment for
            the following year; or

            IF the Supportable Payment is less than or equal to the Guaranteed
            Minimum Payment,
            THEN the Guaranteed Minimum Payment becomes Your new Stabilized
            Payment for the following year.

Other Terms and Conditions

We reserve the right to limit allocations to certain subaccounts. Limitations,
if any, are described in the Investment Limitations section at the top of the
first page of this Rider.

Form No. VIAR IP 0100

                                       1
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Rider Fee

The annual fee for this Option is shown at the top of the first page of this
Rider. We will deduct the fee in addition to and in the same manner as We deduct
the Separate Account Charge.

Surrender Values and Death Benefits

With the Initial Payment Guarantee Option, the surrender values and death
benefits available with the Certain Only or Life with Emergency Cash payment
options are determined using the current Supportable Payment, not the Stabilized
Payment.

Reductions to the Guaranteed Minimum Payment and Stabilized Payment

If You transfer from variable Annuity Payments to fixed Annuity Payments, the
amount of the Guaranteed Minimum Payment and the Stabilized Payment will be
reduced pro rata. For example, if You transfer 25% of Your variable Annuity
Payment to fixed Annuity Payments the Guaranteed Minimum Payment and the
Stabilized Payment will also be reduced by 25%. The reductions will be reflected
in the first payment following the transfer.

If You select a Joint and Survivor payment option with reduced payments to the
survivor and one of the annuitants dies, the Guaranteed Minimum Payment and the
Stabilized Payment will be reduced pro-rata. For example, if You selected the
Joint and 75% Survivor payment option and one of the annuitants dies, the
Guaranteed Minimum Benefit and the Stabilized Payment will be reduced to 75%.
The reductions will be reflected in the first payment following the annuitant's
death.

Payment Notice

On each Contract anniversary, We will send You a notice informing You of the
Stabilized Payment for the following year.

Signed for the Company at Our Home Office, Cedar Rapids, Iowa.

        /s/ Craig D. Vermie                  /s/ William L. Busler

             Secretary                              President

                                       2<PAGE>

                                EXHIBIT (10)(a)

                        CONSENT OF INDEPENDENT AUDITORS
<PAGE>

                        Consent of Independent Auditors

We consent to the reference to our firm under the caption "Independent Auditors"
in the Statements of Additional Information and to the use of our reports (1)
dated February 2, 2001 with respect to the financial statements of certain
subaccounts of PFL Endeavor VA Separate Account, which are available for
investment by contract owners of The Endeavor Variable Annuity, (2) dated
February 2, 2001 with respect to the financial statements of certain subaccounts
of PFL Endeavor VA Separate Account, which are available for investment by
contract owners of The Endeavor ML Variable Annuity and (3) dated February 15,
2001 with respect to the statutory-basis financial statements and schedules of
PFL Life Insurance Company, included in Post-Effective Amendment No. 25 to the
Registration Statement (Form N-4 No. 33-33085) and related Prospectuses of the
Transamerica Landmark Variable Annuity and the Transamerica Landmark ML Variable
Annuity, formerly known as The Endeavor Variable Annuity and The Endeavor ML
Variable Annuity, respectively.

                                             Ernst & Young LLP

Des Moines, Iowa
April 24, 2001

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