Document:

SF 751-        Page 2 of 2                                    [OBJECT OMITTED]

                            FIXED ACCOUNT ENDORSEMENT

This endorsement is part of Your contract. All definitions, provisions, and
exceptions of the contract apply to this endorsement unless changed by this
endorsement. The effective date is the same as the Contract Date unless another
date is shown on the Data Page. There is no charge for this endorsement.

ENDORSEMENT BENEFIT

This endorsement expands Your Investment Options to include a Fixed Account,
subject to the terms and conditions of this endorsement.

DEFINITIONS

FIXED ACCOUNT is an account to which premium payments may be allocated or
amounts may be transferred under the contract.
FIXED ACCOUNT VALUE at any time equals:
1.       premiums payments and credits allocated to it; plus
2.       amounts transferred to it; plus
3.       interest credited to it; less
4.       amounts deducted from it; less
5.       amounts transferred from it; less
6.       amounts surrendered from it; less
7.       amounts applied to a benefit option

TRANSFERS TO THE FIXED ACCOUNT

Transfers to the Fixed Account are allowed only if:
1.       You have not transferred any amount from the Fixed Account for at least
         six months; and
2.       the Fixed  Account  Value  immediately  after the  transfer  does not
         exceed  $1,000,000  except with Our prior  written
         approval.

TRANSFERS FROM THE FIXED ACCOUNT

You may make unscheduled and scheduled Fixed Account transfers to the Divisions
as follows:
1.       Either unscheduled Fixed Account transfers or scheduled Fixed Account
         transfers (not both) may occur during any contract year.
2.       You must  provide  Us  Notice of a Fixed  Account  transfer  within 30
         days  after  the  Contract  Date or any  Contract
         Anniversary.
3.       You must specify the dollar amount or percentage to be transferred and
         the Division to which the transfer will be made.

You may make one unscheduled Fixed Account transfer each Contract Year as
follows:
1.       the amount of an  unscheduled  Fixed Account  transfer must not exceed
25% of the Fixed Account Value as of the later of
         the Contract Date or the last Contract Anniversary;  however,
2.       You may  transfer  up to 100% of the Fixed  Account  Value  within
         30 days  after  the  first  and  following  Contract
         Anniversaries if:
a.            the Fixed Account Value is less than $1,000; or
b.            the renewal interest rate declared for the Fixed Account Value
              for the current Contract Year is more than 1 percentage point
              lower than an average of the total Fixed Account earnings for the
              preceding Contract Year (in that event, We will notify You.)

<PAGE>

You may make scheduled Fixed Account transfers on a monthly basis as follows:
1.       the monthly amount transferred may not exceed 2% of the Fixed Account
         Value as of the later of the Contract Date or the
         last Contract Anniversary;
2.       the transfers will continue until the Fixed Account Value is zero or We
         receive Notice to stop the transfers; and 3. if You stop the transfers,
         You may not start transfers again without Our prior approval.

RESERVATION OF RIGHT TO REFUSE PREMIUM PAYMENT ALLOCATIONS AND TRANSFERS

We reserve the right to refuse premium payment allocations and transfers from
other Investment Options to the Fixed Account. We will send You written notice
at least 30 days prior to the date We exercise this right. We will also notify
You when We revoke, in whole or in part, any restriction of premium payment
allocations or transfers.

DEFERMENT OF PAYMENTS

We reserve the right to defer payment of a surrender from the Fixed Account for
up to six months after the date We receive Your Notice at Our office. If
required, We will seek regulatory approval to defer payment.

INTEREST

Amounts transferred and premium payments allocated to the Fixed Account earn
interest at the interest rate in effect on the date of the transfer or the
valuation day the premium payment is received. The interest rate is set by Us at
Our sole discretion but will never be less than the Fixed Account Guaranteed
Minimum Interest Rate shown on the Data Page.

Principal Life Insurance Company
Des Moines, Iowa  50392-0001SF 752-1      Page 2 of 2             [OBJECT OMITTED]

SF 752-1       Page 1 of 2         [OBJECT OMITTED]

         FIXED DOLLAR COST AVERAGING ACCOUNT ENDORSEMENT

This endorsement is part of Your contract. All definitions, provisions, and
exceptions of the contract apply to this endorsement unless changed by this
endorsement. The effective date is the same as the Contract Date unless another
date is shown on the Data Page. There is no cost for this endorsement.

ENDORSEMENT BENEFITS

This endorsement expands Your Investment Options to include Fixed DCA Accounts,
subject to the terms and conditions of this endorsement. Fixed DCA Accounts
allow You to spread out the allocation of Your premiums to Investment Options
You elect over time.

DEFINITIONS

FIXED DOLLAR COST AVERAGING ACCOUNT (Fixed DCA Account) means an account to
which premium payments may be allocated, and from which a portion of the
accumulated value is transferred to other Investment Options.

DCA TERM means the period of time over which the entire Fixed DCA Account Value
will be transferred to other Investment Options You elect. The DCA Term is shown
on the Data Page.

FIXED DCA ACCOUNT VALUE for any one Fixed DCA Account at any time is equal to:
1.       premium payments and credits allocated to it;  plus
2.       interest credited to it; less
3.       amounts deducted from it; less
4.       amounts transferred from it; less
5.       amounts surrendered from it; less
6.       amounts applied to a benefit option.

PREMIUM PAYMENT ALLOCATIONS

You may allocate premium payments to the Fixed DCA Accounts We make available.

Premium payments allocated to a Fixed DCA Account:
1. must equal or exceed the Minimum Fixed DCA Account Premium Payment shown on
the Data Page; and 2. will receive the interest rate in effect on the Valuation
Day the premium payment is received.

Additional premium payments may be applied to an existing Fixed DCA Account You
designate for the remainder of that DCA Term.

At the end of any DCA Term or when Your entire Fixed DCA Account Value has been
transferred, You may allocate premium payments to begin a new DCA Term of the
same time period.

FIXED DCA ACCOUNT TRANSFERS

The Fixed DCA Account Values will be transferred to the Investment Options You
elect on a monthly basis, on a date We determine, over the DCA Term. The amount
of the transfer will be determined by dividing the Fixed DCA Account Value by
the number of months remaining in the DCA Term. Any credit will be transferred
immediately to the Investment Options You elect.

You may transfer the Fixed DCA Account Value in fewer months than are remaining
in the DCA Term, or change Your premium payment allocations by providing Us
Notice.

You may not transfer values from any other Investment Option to a Fixed DCA
Account.

<PAGE>

RESERVATION OF RIGHT TO REFUSE PREMIUM PAYMENT ALLOCATIONS

We reserve the right to refuse premium payment allocations to the Fixed DCA
Accounts. We will send You written notice at least 30 days prior to the date We
exercise this right. We will also notify You when We revoke, in whole or in
part, any restriction of premium payment allocations.

DEFERMENT OF PAYMENTS

We reserve the right to defer payment of a surrender from a Fixed DCA Account
for up to six months after We receive Your Notice at Our office. If required, We
will seek regulatory approval to defer payment.

INTEREST

Premium payments allocated to a Fixed DCA Account earn interest at the interest
rate in effect on the valuation day the premium payment is received. The
interest rates are based on the DCA Term and are set by Us at Our sole
discretion but will never be less than the Fixed DCA Account Guaranteed Minimum
Interest Rate shown on the Data Page.

[OBJECT OMITTED]

Principal Life Insurance Company
Des Moines, Iowa  50392-0001SF 753-1      Page 4 of 4            [OBJECT OMITTED]

                   GUARANTEED MINIMUM WITHDRAWAL BENEFIT RIDER

This rider is part of Your contract. All definitions, provisions, and exceptions
of the contract apply to this rider unless specifically changed by this rider.
The rider effective date is shown on the Data Page. In the case of a conflict
with any provision in the contract, the provisions of this rider will control.
The charge for this rider is shown on the Data Page.

RIDER BENEFITS

We guarantee that a specified amount may be partially surrendered and/or
partially annuitized each Contract Year regardless of the accumulated value,
subject to the terms and conditions of this rider. The charge for this rider is
shown on the Data Page.

DEFINITIONS

WITHDRAWAL BENEFIT PAYMENT is the amount guaranteed to be available for partial
surrender and/or partial annuitization each Contract Year.

EXCESS WITHDRAWAL is the portion of a partial surrender and Surrender Charges,
if any, and/or partial annuitization that exceeds the Withdrawal Benefit
Payment.

WITHDRAWAL BENEFIT BASE is premium payments adjusted for Excess Withdrawals. It
is the amount on which the Withdrawal Benefit Payment is based.

REMAINING WITHDRAWAL BENEFIT BASE is the total amount that is available for
future Withdrawal Benefit Payments. It is premium payments adjusted for partial
surrenders and Surrender Charges, if any and/or partial annuitizations.

GUARANTEED MINIMUM WITHDRAWAL BENEFIT (GMWB)

This rider  provides a guaranteed  minimum  withdrawal  benefit.  You may
withdraw a "For Life"  Withdrawal  Benefit  Payment or
"Investment Back" Withdrawal Benefit Payment.
1.       We guarantee a "For Life" Withdrawal Benefit Payment,  which
        guarantees up to 5% annually of the Withdrawal Benefit Base
         on and after the Contract Anniversary following the oldest Owner's age
         59 1/2. All amounts surrendered (and surrender charges if any) and/or
         annuitized prior to the Contract Anniversary following the oldest
         Owner's age 59 1/2 are treated as Excess Withdrawals when calculating
         the For Life withdrawal option. The For Life withdrawal option
         continues until the Owner's death, or until the Withdrawal Benefit Base
         associated with it is zero.
2.       We guarantee an "Investment Back" Withdrawal Benefit Payment, which
         guarantees up to 7% annually of the Withdrawal Benefit Base. The
         Investment Back withdrawal option continues until the Remaining
         Withdrawal Benefit Base associated with it is zero.

You do not elect the For Life withdrawal option or the Investment Back
withdrawal option. Instead, You make a partial surrender and/or partial
annuitization for the amount You desire, and We adjust the Withdrawal Benefit
Payment, Withdrawal Benefit Base, and the Remaining Withdrawal Benefit Base
associated with each withdrawal option, as described in the calculation
provisions below.

The amount and timing of partial surrenders and/or partial annuitizations affect
the For Life withdrawal option differently from the Investment Back withdrawal
option.

This rider does not restrict or change Your partial surrender and/or partial
annuitization rights under the contract. However, Excess Withdrawals will affect
the benefits of this rider. If the accumulated value is zero:
1.       You must elect either a For Life or an Investment Back Withdrawal
         Benefit Payment. You may elect to receive annual payments or more
         frequent payments that are acceptable to Us.
2.       The rights under this rider will continue, but all other rights and
         benefits under the Contract, including death benefits, will terminate;
         and
3.       No additional premium payments will be accepted.

<PAGE>

WITHDRAWAL BENEFIT PAYMENT CALCULATION

The Withdrawal Benefit Payment amount for the For Life withdrawal option and the
Investment Back withdrawal option is calculated on the Contract Date and on each
Contract Anniversary thereafter.

The Withdrawal Benefit Payment amount is a percentage of the Withdrawal Benefit
Base. The percentage for the For Life withdrawal option is 5%. The percentage
for the Investment Back withdrawal option is 7%.

You are not required to make a partial surrender or partial annuitization of the
entire Withdrawal Benefit Payment amount in a Contract Year. However, if You do
not surrender and/or partially annuitize the entire Withdrawal Benefit Payment
available in a Contract Year, any remaining amount does not carry over to the
next Contract Year.

Excess Withdrawals reduce Your Withdrawal Benefit Payments.

WITHDRAWAL BENEFIT BASE CALCULATION

The Withdrawal Benefit Base is calculated on the Contract Date and on each
Contract Anniversary thereafter. On the Contract Date, the Withdrawal Benefit
Base equals premium payments made. Premium payments made during any Contract
Year increase the Withdrawal Benefit Base.

If no Excess Withdrawals are made during a Contract Year, the Withdrawal Benefit
Base will not decrease because of partial surrenders and/or partial
annuitizations.

If Excess Withdrawals are made during a Contract Year, the Withdrawal Benefit
        Base is reduced by the greater of:
1.       the Excess Withdrawals; and
2.       the result of (a. divided by b.), multiplied by c., where:
a.            is the amount partially surrendered (including Surrender Charges,
              if any) and/or partially annuitized in excess of the Withdrawal
              Benefit Payment remaining prior to the partial surrender and/or
              partial annuitization;
b.            is the accumulated value after the Withdrawal Benefit Payment is
              deducted, but prior to the excess amount being partially
              surrendered or partially annuitized; and
c.            is the Withdrawal Benefit Base prior to the adjustment for the
              excess amount.

REMAINING WITHDRAWAL BENEFIT BASE CALCULATION

The Remaining Withdrawal Benefit Base is adjusted when premium payments, partial
surrenders and/or partial annuitizations are made. Premium payments increase the
Remaining Withdrawal Benefit Base; partial surrenders (including Surrender
Charges, if any) and partial annuitizations decrease the Remaining Withdrawal
Benefit Base.

The amount of a partial surrender (including Surrender Charges, if any) and/or
partial annuitization that does not exceed the Withdrawal Benefit Payment will
be deducted from the Remaining Withdrawal Benefit Base. Excess Withdrawals will
reduce the Remaining Withdrawal Benefit Base by the greater of:
1.            the Excess Withdrawals; and
2.            the result of (a. divided by b.), multiplied by c., where:
a.            is the amount partially surrendered (including Surrender Charges,
              if any) and/or partially annuitized in excess of the Withdrawal
              Benefit Payment remaining prior to the partial surrender or
              partial annuitization;
b.            is the accumulated value after the Withdrawal Benefit Payment is
              deducted, but prior to the excess amount being partially
              surrendered or partially annuitized; and
c.            is the Remaining Withdrawal Benefit Base after the Withdrawal
              Benefit Payment is deducted, but prior to the adjustment for the
              excess amount.

<PAGE>

GMWB BONUS

If no partial surrenders and/or partial annuitizations are made in a given
Contract Year, a 5% GMWB bonus on the premium payments will be credited to the
Withdrawal Benefit Base and the Remaining Withdrawal Benefit Base on the next
Contract Anniversary.

The GMWB bonus will end at the earlier of:
1.       the 5th Contract Anniversary, or
2. the date You make a partial surrender or partial annuitization.

The GMWB bonus is used only for purposes of calculating the Withdrawal Benefit
Base and the Remaining Withdrawal Benefit Base. It will not be included in Your
accumulated value.

GMWB STEP-UP

After the 5th Contract Anniversary of the rider effective date and before the
Annuitization Date, You may elect to increase ("Step-Up") the Remaining
Withdrawal Benefit Base.

If You elect the GMWB Step-Up, the following conditions will apply:
1.       Your request for the GMWB Step-Up must be received, in a form
         satisfactory to Us, at Our office within 30 days after the Contract
         Anniversary on which the GMWB Step-Up is effective;
2.       the GMWB Step-Up may only be requested if the accumulated value on the
         Step-Up date is more than the Remaining Withdrawal Benefit Base;
3.       the Remaining Withdrawal Benefit Base and Withdrawal Benefit Base will
         reset to be the accumulated value on the Contract Anniversary;
4.       the Withdrawal Benefit Payment will be reset on the Contract
         Anniversary;
5.       You may not request another GMWB Step-Up until the 5th Contract
         Anniversary following the last GMWB Step-Up; and 6. the then current
         Investment Option restrictions and rider charge for newly issued GMWB
         riders will apply.

INVESTMENT OPTION RESTRICTIONS

While this rider is attached to Your contract, We reserve the right to restrict
Your Investment Options.

These restrictions may include:
1. requiring certain Investment Options;
2. limiting the percentages allocated to certain Investment Options; 3. limiting
transfers among Investment Options; 4. rebalancing the Investment Options; and
5. prohibiting the use of certain Investment Options.

RIDER CHARGE

The rider charge is shown on the Data Page. This charge is based on the
Investment Back Remaining Withdrawal Benefit Base and is deducted from the
accumulated value at the end of each calendar quarter. If this rider is
purchased after the beginning of a quarter, then the charge is pro-rated
according to the number of days it is in effect during the quarter.

If the rider is terminated, a pro-rated rider charge is deducted for the period
of time the rider was in effect until the date the rider terminates.

<PAGE>

DEATH PROVISION

If the Owner dies and there is an Investment Back Remaining Withdrawal Benefit
Base, and the accumulated value is greater than zero, the beneficiary(ies) may
elect to receive the Investment Back Remaining Withdrawal Benefit Base or death
benefit under the contract. If Your beneficiary(ies) elect to receive the
Investment Back Remaining Withdrawal Benefit Base, We will make payments in an
amount and frequency acceptable to Us.

TERMINATION

We will terminate this rider when one of the following occurs:
1. We receive Your request to terminate the rider (after the 5th Contract
Anniversary); 2. the contract terminates;
3. the Investment Back Remaining Withdrawal Benefit Base is zero and the For
Life Withdrawal Benefit Base is zero; or 4. the contract Owner is changed.

REINSTATEMENT

If this rider terminates, it may not be reinstated.

[OBJECT OMITTED]

Principal Life Insurance Company
Des Moines, Iowa  50392-0001

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