SINGLE LIFE 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 unless another date is shown on the Data Pages.

RIDER BENEFIT

This rider provides an additional level death benefit in the amount shown on the
current   Data  Pages.   We  will  pay  this  rider's   death   benefit  to  the
beneficiary(ies)  listed  for  this  rider  upon  our  receipt  of  proof of the
Insured's  death.  The Insured under this rider and the death benefit amount are
shown on the current Data Pages.

PROTECTION PERIOD

This rider provides  protection up to the  expiration  date shown on the current
Data Pages. This rider cannot be renewed beyond this expiration date.

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 Table of Guaranteed  Maximum Single Life 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.

FACE AMOUNT ADJUSTMENTS

You may only increase the face amount of this rider in conjunction with a policy
face amount increase. An increase of the face amount of this rider cannot exceed
50% of the policy face amount increase.

Decreases  to the face  amount of this rider may not be made  during the first 2
Policy Years. The minimum decrease amount is $100,000.

If You decrease the policy face amount, a corresponding  face amount decrease of
this  rider's  face  amount must take place if the  rider's  face  amount  would
exceeds 50% of the policy face amount  after the  decrease.  There is no minimum
decrease  amount  applicable  to a decrease due to the face amount of this rider
exceeding the 50% of the policy face amount.

CASH VALUE

This rider provides no cash value.

REINSTATEMENT

If this rider terminates, it may not be reinstated.


                            (Continued on next page)

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

Chairman and Chief Executive Officer


TERMINATION

This rider terminates on:

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

2.   The date of the death of the Insured under this rider;

3.   Termination of Your policy; or

4.   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.


SF 528