FOUR YEAR TERM INSURANCE RIDER

This  rider  is  part of Your  policy.  It is  issued  in  consideration  of the
application and payment of its premiums. All policy definitions, provisions, and
exceptions  apply to this rider unless changed by this rider. The Effective Date
is the same as the Policy Date.

RIDER BENEFIT

This rider  provides  an  additional  death  benefit in the amount  shown on the
current   Data  Pages.   We  will  pay  this  rider's   death   benefit  to  the
beneficiary(ies) upon our receipt of proof satisfactory to us that both Insureds
died prior to the expiration date of this rider.

PROTECTION PERIOD

This rider  provides  protection  for a limited period of time that ends 4 years
after the Policy Date shown on the  current  Data  Pages.  This rider  cannot be
renewed beyond the expiration date shown on the current Data Pages.

TERM INSURANCE PREMIUMS

We have the  right to change  the  current  monthly  rates,  however,  any rates
payable in subsequent  years will never exceed the  guaranteed  maximum  monthly
rates shown in the Guaranteed Maximum Four Year Term Insurance Rider Rates shown
on the Data Pages.

We will review the current  monthly rates  annually.  Any change We make will be
based on Our future expectations of investment earnings, mortality, persistency,
and expenses.

CASH VALUE

This rider provides no cash value.

REINSTATEMENT

If this rider terminates, it may not be reinstated.

TERMINATION

This rider terminates on:

1.    The expiration date of this rider shown on the current Data Pages;

2.    Termination of Your policy; or

3.   Our receipt of Your Written Request to cancel this rider.  The cancellation
     will be  effective  on the Monthly  Date on or next  following  the date We
     receive the  request.  We may require that You send Your policy to Our home
     office to record the cancellation.


                                 Principal (r)      Principal Life
                                    Financial       Insurance Company
                                    Group           Des Moines, Iowa 50392-0001

Chairman and Chief Executive Officer 
 
SF 525