Document:

<PAGE>
<TABLE>
<CAPTION>
<S>                                                                             <C>
[L-Share Product Name]                                                                                Kemper Investors Life
                                                                                                      Insurance Company
                                                                                                      [1600 McConnor Parkway    ]
                                                                                                      [Schaumburg, IL 60196-6801]

====================================================================================================================================
     Please Print Clearly. All highlighted sections must be completed.

       --------------------------------------------------------------------------------------------------------------------------
       1.Owner:
       --------------------------------------------------------------------------------------------------------------------------

       ________________________________________________________________________________________   [ ] Male [ ] Female
       Name (First, Middle, Last) or Name of Trust

       ________________________________________________________________________________________   _______________________________
       Street Address                                                                             Social Security/Tax I.D. Number

       ________________________________________________________________________________________   _______________________________
       City, State, Zip                                                                           Date of Birth/Trust

       (     )
       _____________________________________  _________________________________________________
       Daytime Telephone                      E-mail Address (Optional)

       --------------------------------------------------------------------------------------------------------------------------
       2. Joint Owner: (For non-qualified contracts only)
       --------------------------------------------------------------------------------------------------------------------------

       ________________________________________________________________________________________   [ ] Male [ ] Female
       Name (First, Middle, Last) or Name of Trust

       ________________________________________________________________________________________   _______________________________
       Street Address                                                                             Social Security/Tax I.D. Number

       ________________________________________________________________________________________   _______________________________
       City, State, Zip                                                                           Date of Birth/Trust

       (     )
       ________________________________________________________________________________________
       Daytime Telephone

       --------------------------------------------------------------------------------------------------------------------------
       3. Annuitant: (if different than owner)
       --------------------------------------------------------------------------------------------------------------------------

       ________________________________________________________________________________________   [ ] Male [ ] Female
       Name (First, Middle, Last) or Name of Trust

       __________________/_____________/_______________________________________________________
       Date of Birth                          Social Security/Tax I.D. Number

       --------------------------------------------------------------------------------------------------------------------------
       4. Joint Annuitant: (if different than owner) (For non-qualified contracts only)
       --------------------------------------------------------------------------------------------------------------------------

       ______________________________________________________________________________________     [ ] Male [ ] Female
       Name (First, Middle, Last) or Name of Trust

       __________________/_____________/_______________________________________________________
       Date of Birth                          Social Security/Tax I.D. Number

       --------------------------------------------------------------------------------------------------------------------------
       5. Beneficiaries (For Additional Beneficiaries, use Section 14):
       --------------------------------------------------------------------------------------------------------------------------
       If you designated a joint owner, do not complete a primary beneficiary in this section. The surviving joint owner will be
       the primary beneficiary upon the death of a joint owner. If the beneficiary is a trust, please provide the date the trust
       was established. Allocations must total 100%.

       Name                         Date of Birth     Primary or Contingent          Relationship to Owner          Allocation

       ___________________________  ________________  _____________________________  _____________________________  ____________%

       ___________________________  ________________  _____________________________  _____________________________  ____________%

       ___________________________  ________________  _____________________________  _____________________________  ____________%

       --------------------------------------------------------------------------------------------------------------------------
       6. Type of Plan To Be Issued:
       --------------------------------------------------------------------------------------------------------------------------
       [ ] Non-qualified     [ ] SEP-IRA     [ ] 401(k) Profit Sharing      [ ] 401(a) Pension/Profit Sharing     [ ] Roth IRA
       [ ] 403(b) TSA        [ ] IRA         [ ] 457 Def. Comp              [ ] Charitable Remainder Trust

       L-8826                                                                                                              [(12/01)]
</TABLE>

<PAGE>

7. Initial Payment: [Make check payable to Kemper Investors Life Insurance
   Company]

$___________________________________________ [Minimum: Non-qualified $10,000,
                                                       Qualified $2000]

If IRA, Roth IRA, or SEP-IRA, please complete the following:
[_] Rollover (personal checks only)     [_] Trustee to Trustee Transfer
[_] Director Rollover     [_] Regular Payment  Apply $_________________________
To Tax Year ________________________

8. Optional Riders: This section must be completed (check one of the following
   boxes).

I/We elect the following and understand there is/are an additional charge(s):
[_] Option 1     [_] Option 2     [_] Option 3     [_] I choose not to elect an
                                                       optional rider.

9. Annuitization:

I elect to have Annuity Payments begin on ____/____/____. The annuity date must
be at least 2 years after issue.
The annuity date may not be later than the original youngest annuitant's 91st
birthday or ten years after issue if later.

10. Allocation of Payment: (for initial and subsequent payments)

<TABLE>
<CAPTION>
Alger                        Scudder (continued        SVS (subadvised)                       Fixed Account
<S>                          <C>                       <C>                                    <C>
_____% Balanced              _____% Glb Bl Chip        _____% SVS Fncl Srvs (Dreman)          _____% Fxd Acc't
_____% Lvrgd AllCap          _____% Glb Disc           _____% SVS Hgh Rtrn Eq (Dreman)
                             _____% Gov Sec            _____% SVS Dynmc Grwth (INVESCO)       GPAs
Credit Suisse                _____% Growth             _____% SVS Fcs Val+Grwth (ZSI/Janus)   _____%  1 Year
_____% Emrg Mrkt             _____% Grwth & Inc        _____% SVS Fcs Lrg Cap Grwth (Eagle)   _____%  2 Year
_____% Glb Pst Vnt Cap       _____% Health Scncs       _____% SVS Grwth & Inc (Janus)         _____%  3 Year
                             _____% High Yield         _____% SVS Grwth Oppr (Janus)          _____%  4 Year
Dreyfus                      _____% Int'l              _____% SVS Index 500 (Deutsche)        _____%  5 Year
_____% Midcap Stk            _____% Invst Grd Bnd      _____% SVS Mid-Cap Grwth (Turner)      _____%  6 Year
_____% Soc Rspnsble          _____% Mny Mrkt I         _____% SVS Strtgc Eqty (Turner)        _____%  7 Year
                             _____% Mny Mrkt II        _____% SVS Venture Value (Davis)       _____%  8 Year
Scudder                      _____% Sml Cp Grwth       _____% SVS Strtgc Value (MFS)          _____%  9 Year
_____% Agg Grwth             _____% Tech Grwth         _____% SVS Sml Cap Val (Dreman)        _____% 10 Year
_____% B1 Chip               _____% Totl Return
_____% Cap Grwth             _____% 21st Cent Grwth
_____% Contrn Value          _____% Int'l Slct Eq             (All allocations above must total 100%.
                                                              $500 minimum per account.)
</TABLE>

11. Automatic Asset Rebalancing: (Not available concurrently with DCA)

[_] I elect Automatic Asset Rebalancing (AAR) among the above accounts
    (excluding Fixed, GPA's and the Money Market II subaccount).

Frequency: Every [_] 3     [_] 6     [_] 12 Months

Beginning: ______/______/______

Unless otherwise specified, rebalancing will occur each period on the date the
contract/certificate is issued to the allocation selected in Section 10 of this
application.

12. Systematic Accumulations:

[_] I authorize automatic deductions of $_____________ from my bank account to
    be applied to this contract/certificate. A $100 minimum applies.

Frequency: Every [_] 1     [_] 3     [_] 6     [_] 12 Months

Beginning: ______/______/______

Please attach a voided check or voided withdrawal slip.

13. "Protect Your Future" Program:

[_] Allocate a portion of my initial payment to the _____________ year GPA such
    that, at the end of the Guarantee Period, the GPA would grow to an amount
    equal to the total initial payment assuming no withdrawals or transfers of
    any kind. The remaining balance will be applied as indicated in Section 10.

14. Remarks:

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

--------------------------------------------------------------------------------

L-8826

<PAGE>

15. Systematic Withdrawals:
[_] Please withdraw $____________________  [_] Net  [_] Gross
                        ($100 minimum)

Please:  [_] Do not withhold federal income taxes.

         [_] Do withhold at 10% or _____________ (%).

Funds allocated to a GPA are subject to a Market Value Adjustment unless
withdrawals are taken within 30 days after the end of a Guarantee Period.

Frequency: Every [_] 1     [_] 3     [_] 6     [_] 12 Months

Beginning: ______/______/______

Use Form L-8657 for automatic 70 1/2 minimum distributions. For 401(k) and
430(b), use Form L-8635.

Withdrawals before age 59 1/2 may be subject to a 10% IRS penalty. Please
consult your tax advisor.
--------------------------------------------------------------------------------
Withdraw From (All allocations must total 100%):
[_] Please Pro-rate

<TABLE>
<CAPTION>
Alger                        Scudder (continued)       SVS (subadvised)                       Fixed Account
<S>                          <C>                       <C>                                    <C>
_____% Balanced              _____% Glb Bl Chip        _____% SVS Fncl Srvs (Dreman)          _____% Fxd Acc't
_____% Lvrgd AllCap          _____% Glb Disc           _____% SVS Hgh Rtrn Eq (Dreman)
                             _____% Gov Sec            _____% SVS Dynmc Grwth (INVESCO)       GPAs
Credit Suisse                _____% Growth             _____% SVS Fcs Val+Grwth (ZSI/Janus)   _____%  1 Year
_____% Emrg Mrkt             _____% Grwth & Inc        _____% SVS Fcs Lrg Cap Grwth (Eagle)   _____%  2 Year
_____% Glb Pst Vnt Cap       _____% Health Scncs       _____% SVS Grwth & Inc (Janus)         _____%  3 Year
                             _____% High Yield         _____% SVS Grwth Oppr (Janus)          _____%  4 Year
Dreyfus                      _____% Int'l              _____% SVS Index 500 (Deutsche)        _____%  5 Year
_____% Midcap Stk            _____% Invst Grd Bnd      _____% SVS Mid-Cap Grwth (Turner)      _____%  6 Year
_____% Soc Rspnsble          _____% Mny Mrkt I         _____% SVS Strtgc Eqty (Turner)        _____%  7 Year
                             _____% Mny Mrkt II        _____% SVS Venture Value (Davis)       _____%  8 Year
Scudder                      _____% Sml Cp Grwth       _____% SVS Strtgc Value (MFS)          _____%  9 Year
_____% Agg Grwth             _____% Tech Grwth         _____% SVS Sml Cap Val (Dreman)        _____% 10 Year
_____% B1 Chip               _____% Totl Return
_____% Cap Grwth             _____% 21st Cent Grwth
_____% Contrn Value          _____% Int'l Slct Eq

</TABLE>

16. Dollar Cost Averaging: (Not available with Automatic Asset Rebalancing. DCA
    is not allowed from any GPAs.)

[_] Please transfer $_______________ ($100 minimum) from _______________________
    (enter one Subaccount Name or the Fixed Account).

or

[_] Please transfer interest only from the Fixed Account (must maintain a
    $10,000 balance and continue DCA for at least one year).

Frequency: Every [_] 1 [_] 3 Months  Beginning: __________________________

           Unless otherwise specified, DCA will occur each period on the date
           the contract/certificate is issued.
--------------------------------------------------------------------------------
Transfer To (All allocations must total 100%):

<TABLE>
<CAPTION>
Alger                        Scudder (continued        SVS (subadvised)                       Fixed Account
<S>                          <C>                       <C>                                    <C>
_____% Balanced              _____% Glb Bl Chip        _____% SVS Fncl Srvs (Dreman)          _____% Fxd Acc't
_____% Lvrgd AllCap          _____% Glb Disc           _____% SVS Hgh Rtrn Eq (Dreman)
                             _____% Gov Sec            _____% SVS Dynmc Grwth (INVESCO)       GPAs
Credit Suisse                _____% Growth             _____% SVS Fcs Val+Grwth (ZSI/Janus)   _____%  1 Year
_____% Emrg Mrkt             _____% Grwth & Inc        _____% SVS Fcs Lrg Cap Grwth (Eagle)   _____%  2 Year
_____% Glb Pst Vnt Cap       _____% Health Scncs       _____% SVS Grwth & Inc (Janus)         _____%  3 Year
                             _____% High Yield         _____% SVS Grwth Oppr (Janus)          _____%  4 Year
Dreyfus                      _____% Int'l              _____% SVS Index 500 (Deutsche)        _____%  5 Year
_____% Midcap Stk            _____% Invst Grd Bnd      _____% SVS Mid-Cap Grwth (Turner)      _____%  6 Year
_____% Soc Rspnsble          _____% Mny Mrkt I         _____% SVS Strtgc Eqty (Turner)        _____%  7 Year
                             _____% Sml Cp Grwth       _____% SVS Venture Value (Davis)       _____%  8 Year
Scudder                      _____% Tech Grwth         _____% SVS Strtgc Value (MFS)          _____%  9 Year
_____% Agg Grwth             _____% Totl Return        _____% SVS Sml Cap Val (Dreman)        _____% 10 Year
_____% B1 Chip               _____% 21st Cent Grwth
_____% Cap Grwth             _____% Int'l Slct Eq
_____% Contrn Value

</TABLE>

17. Replacement:

Do you have any existing annuity contracts or life insurance policies?
[_] No  [_] Yes

Will any existing life insurance or annuity be replaced or will values from
another insurance policy or annuity (through loans, surrenders or otherwise) be
used to pay premiums for the policy applied for?
[_] No  [_] Yes

If yes, indicate company name and policy number: _______________________________

L-8826

<PAGE>

18.  Electronic Consent:

[_]  I agree to have prospectus updates, semi-annual reports, proxy solicitation
     material and other applicable regulatory documents delivered to me on an
     IBM- and Macintosh-compatible CDRom. I understand that at any time I may
     change my mind and choose to receive paper copies of applicable regulatory
     documents by calling (888) 477-9700.

If you do not check the box above, you will receive paper copies of all required
regulatory documents. You will not receive electronic copies in addition to
paper copies provided.

19. Telephone Authorization:

By signing this application, I authorize and direct Kemper Investors Life
Insurance Company (KILICO) to accept telephone instructions from the owner,
active representative, and the individual listed below to effect transfers
and/or future payment allocation changes. I agree to hold harmless and indemnify
KILICO and its affiliates and its collective directors, employees and
representatives against any claim arising from such action. I am aware that I
may deny the active representative authorization to make telephone transfers by
checking the designated box below.

Name of additional authorized individual (if any) ______________________________

____________ ______/______/______
                  Birth Date

[_] I do not authorize the active representative to make telephone transfers on
    my behalf.

[_] I do not accept this telephone transfer privilege.

20. Signatures:

RECEIPT IS ACKNOWLEDGED OF THE CURRENT PROSPECTUS FOR THE [       ] ANNUITY AND
THE UNDERLYING FUNDS. PAYMENTS AND VALUES PROVIDED BY THE CONTRACT, WHEN BASED
ON INVESTMENT EXPERIENCE OF THE SUBACCOUNTS, ARE VARIABLE AND ARE NOT GUARANTEE
AS TO DOLLAR AMOUNT. [WITHDRAWALS AND TRANSFERS FROM A GUARANTEE PERIOD THAT ARE
MADE PRIOR TO THE END OF THAT GUARANTEE PERIOD ARE SUBJECT TO A MARKET VALUE
ADJUSTMENT THAT MAY INCREASE OR DECREASE THE CONTRACT VALUE.]

[_] Please check here if you want a statement of additional information.

I agree that the above statements are true and correct to the best of my
knowledge and belief and are made as a basis for my application.

<TABLE>
<CAPTION>

<S>                                                                               <C>                    <C>
--------------------------------------------------------------------------------  -------------------    -------/------/-------
Application Made at (City)                                                               State                    Date

--------------------------------------------------------------------------------  ---------------------------------------------
Signature of Owner/Trustee                                                        Signature of Joint Owner
</TABLE>

21. Registered Representative/Dealer Information:

Does the owner have any existing annuity contracts or life insurance policy?
[_] No  [_] Yes

To the best of your knowledge, will any existing life insurance or annuity be
replaced or will values from another insurance policy or annuity (through loans,
surrenders or otherwise) be used to pay premiums for the policy applied for?
[_] No [_] Yes (attach replacement forms as required)

If yes, please indicate annuity or life insurance below, enter the plan type
code and submit any required replacement forms.

[_] Life Insurance    [_] Annuity    [_] Plan Type Code ________________________

I certify that the information provided by the owner has been accurately
recorded; current prospectuses were delivered; no written sales materials other
than those approved by the Principal Office were used; and I have reasonable
grounds to believe the purchase of the contract applied for is suitable for the
owner. Suitability information has been obtained and filed with the
broker/dealer.

<TABLE>
<CAPTION>

<S>                                          <C>                            <C>                      <C>
                                                                                                     -------------------
                                             (        )
-----------------------------------------    ---------------------------    -----------------------  -------------------
Signature Of Registered Representative       Telephone Number               Social Security Number    Comm. Code

                                                                                               -------------------------

-----------------------------------------    ----------------------------------------------    -------------------------
Printed Name Of Registered Representative    Printed Name of Broker/Dealer                      B/D Client Acct.#

-------------------------------------------------------------------------------------------    ---------------------------------
Branch Office Street Address For Contract Delivery                                             Zurich Life Representative Number

-----------------------------------------    ----------------------------------------------    -------------------------
Broker/Dealer Name                           Broker/Dealer Principal Approval                  Date
</TABLE>

Mail To: Kemper Investors Life Insurance Company, Attn: Annuity New Business,
Suite 6629, 1600 McConnor Parkway, Schaumburg, IL 60173-6802. Make check payable
to Kemper Investors Life Insurance Company

L-8826<PAGE>

Kemper Investors Life Insurance Company
1600 McConnor Parkway, Schaumburg, Illinois 60196-6801

Endorsement - [L-Share] Enhanced Death Benefit Rider

As used in this Endorsement, "Contract" means the Contract or Certificate to
which this Endorsement is attached. This Endorsement forms a part of the
Contract to which it is attached. The election of this Rider and the Rider
charge are stated on the Contract Schedule.

The Amount Payable Upon Death provision of the Contract to which this
Endorsement is attached is deleted in its entirety and replaced with the
following:

Class 1 Accumulation Options

Certain Accumulation Options may be considered Class 1 Accumulation Options. The
list of Class 1 Accumulation Options, if any, is shown on the Contract Schedule.
Class 1 Accumulation Options may be subject to limitations or rules when
calculating the death benefit described below.

We may reduce the Rider charge for the portion of Contract Value allocated to
Class 1 Accumulation Options. We may add or remove Accumulation Options to the
Class 1 Accumulation Options. We will give You 30 days notice of any changes.
Such changes will apply to transfers and subsequent Purchase Payments allocated
to the Class 1 Accumulation Options after the date of any change.

The death benefit payable under this Rider is equal to the greatest of the
following less debt:

     (1)  the Contract Value, excluding any negative Market Value Adjustment but
          including any positive Market Value Adjustment, and

     (2)  the total amount of Purchase Payments, less previous Purchase Payments
          withdrawn and withdrawal charges, and

     (3)  the Step-up Death Benefit.

We compute the Contract Value at the end of the Valuation Period following our
receipt of due proof of death and the return of the Contract. We compute the
other amounts above as of the date of death.

Step-Up Death Benefit

The Step-up Death Benefit for the Contract is equal to the sum of (i+ii):

     i)   the greater of:

          a)   Contract Value allocated to the Class 1 Accumulation Options, or

          b)   Adjusted Purchase Payment Death Benefit for Class 1 Accumulation
               Options, and

     ii)  Guaranteed Step-up Death Benefit for Class 2 Accumulation Options.

The Adjusted Purchase Payment Death Benefit for Class 1 Accumulation Options on
the Issue Date is equal to the initial Purchase Payment allocated to the Class 1
Accumulation Options. On a subsequent Valuation Date, the Adjusted Purchase
Payment Death Benefit for Class 1 Accumulation Options is adjusted by adding to
the prior value:

     (1)  any subsequent Purchase Payments allocated to the Class 1 Accumulation
          Options, and

     (2)  any adjustments for transfers to the Class 1 Accumulation Options.
and subtracting:

     (3)  any adjustments for transfers from the Class 1 Accumulation Options,
          and

     (4)  the amount of any pro rata adjustment for withdrawals from the Class 1
          Accumulation Options.

The Guaranteed Step-up Death Benefit for Class 2 Accumulation Options on the
Issue Date is equal to the initial Purchase Payment allocated to the Class 2
Accumulation Options. On each subsequent Contract Anniversary, prior to the
oldest Owner attaining age [81,]the Guaranteed Step-up Death Benefit for Class
2 Accumulation Options equals the greater of (1) and (2) below. On all other
Valuation Dates the Guaranteed Step-up Death Benefit for Class 2 Accumulation
Options is equal to (2) below.

L-8834

<PAGE>

     (1)  Contract Value allocated to the Class 2 Accumulation Options, or

     (2)  the Guaranteed Step-up Death Benefit for Class 2 Accumulation Options
          on the prior Contract Anniversary plus:

          a)   any Purchase Payments allocated to the Class 2 Accumulation
               Options since the prior Contract Anniversary, and

          b)   any adjustments for transfers from the Class 1 Accumulation
               Options made since the prior Contract Anniversary, and

               less:

          c)   any adjustments for transfers to the Class 1 Accumulation Options
               made since the prior Contract Anniversary, and

          d)   the amount of any pro rata adjustment for withdrawals from the
               Class 2 Accumulation Options since the prior Contract
               Anniversary.

Adjustments for Transfer and Withdrawals

Transfers from Class 1 Accumulation Options to Class 2 Accumulation Options will
reduce the Adjusted Purchase Payment Death Benefit for Class 1 Accumulation
Options on a pro rata basis. The resulting increase in the Guaranteed Step-up
Death Benefit for the Class 2 Accumulation Options is equal to the lesser of:

     (1)  the reduction in Adjusted Purchase Payment Death Benefit for Class 1
          Accumulation Options, and

     (2)  net Contract Value transferred.

Transfers from Class 2 Accumulation Options to Class 1 Accumulation Options will
reduce the Guaranteed Step-up Death Benefit for the Class 2 Accumulation Options
on a pro rata basis. The resulting increase in the Adjusted Purchase Payment
Death Benefit for Class 1 Accumulation Options is equal to reduction in the
Guaranteed Step-up Death Benefit for the Class 2 Accumulation Options.

Pro rata adjustment - The pro rata adjustment applies to transfers and partial
withdrawals from the Class 1 Accumulation Options and Class 2 Accumulation
Options.

     The pro rata adjustment for transfers and withdrawals from Class 1
     Accumulation Options is equal to (1) divided by (2), with the result
     multiplied by (3), where:

          (1)  is the withdrawal and withdrawal charge or transfer amount,

          (2)  is the Contract Value allocated to the Class 1 Accumulation
               Options immediately prior to the withdrawal or transfer,

          (3)  is the value of the applicable death benefit immediately prior to
               the withdrawal or transfer.

     The pro rata adjustment for transfers and withdrawals from Class 2
     Accumulation Options is equal to (1) divided by (2), with the result
     multiplied by (3), where:

          (1)  is the withdrawal and withdrawal charge or transfer amount,

          (2)  is the Contract Value allocated to the Class 2 Accumulation
               Options immediately prior to the withdrawal or transfer,

          (3)  is the value of the applicable death benefit immediately prior to
               the withdrawal or transfer.

Spousal Continuation

This Rider will terminate as of the date of death. If this Rider is subsequently
elected pursuant to a spousal continuation the Date of Continuance listed on the
Contract Schedule will become the Issue Date for purposes of calculating the
death benefit under this rider.

Except as modified herein, all terms and conditions of the Contract remain
unchanged.

In witness whereof, Kemper Investors Life Insurance Company has caused this
Endorsement to be signed by its President and Secretary.

                /s/ Debra P. Rezabek                 /s/ Gale K. Caruso
                   --------------------               --------------------
                   Secretary                         President
L-8834

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00037-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00037-of-00352.parquet"}]]