SF 613                                Page 1                           SAMPLE

                             CHANGE OF INSURED RIDER



This rider is part of Your policy. All policy definitions, provisions and
exceptions apply to this rider unless changed by this rider. The Effective Date
of this rider is the same as the Policy Date unless another date is shown on the
current Data Pages.

DEFINITIONS

CHANGE OF INSURED DATE means the Monthly Date next following Our approval of a
requested Change of Insured application. The insurance on the new Insured will
be effective on the Change of Insured Date.

     EXAMPLE: If the Policy Date is June 5, 2002, and Your requested Change of
     Insured is approved on April 20, 2004, the Change of Insured Date will be
     May 5, 2004.

CHANGE OF INSURED PRIVILEGE

You may name a new Insured for this policy if:

     1.   You are the original and current owner of this policy;

     2.   This policy is in force and is not in a grace period;

     3.   Benefits are not being  granted  under any rider due to the  Insured's
          disability;

     4.   You  have  an  insurable  interest  in the  life of the  proposed  new
          Insured;

     5.   The Age Last  Birthday of the  proposed  new Insured is 69 or under on
          the Change of Insured Date; and

     6.   You supply  evidence which  satisfies Us of the proposed new Insured's
          insurability under Our underwriting guidelines then in effect.

LIMITATIONS AND CONDITIONS

1.   The Total Face Amount,  Surrender  Value,  and Policy Value will remain the
     same.

2.   Any  benefit  riders  which are part of this  policy  end on the  Change of
     Insured  Date.  Riders  may be  added  for the new  Insured  only  with Our
     consent.

3.   Any loans or unpaid  loan  interest  secured  by Your  policy  will  remain
     indebtedness  and are subject to the conditions of the Policy Loans section
     of Your policy.

4.   Your policy will remain subject to any existing assignments.

INCONTESTABILITY

We will not claim Your policy is void or deny payment of any proceeds after it
has been in force during the Insured's lifetime for two years from the Change of
Insured Date for the new Insured, except for any claim for total disability or
accidental death benefits Your policy may provide.




Any Total Face Amount increase made after the Change of Insured Date has its own
two year contestability period which begins on the Adjustment Date.

The time limits in this provision do not apply to fraudulent misrepresentations.

SUICIDE

The death proceeds of the policy will not be paid if the new Insured dies by
suicide, while sane or insane, within two years of the Change of Insured Date.
Instead, We will pay the Net Surrender Value as of the date of death.

TERMINATION

This rider ends on the first of:

1.   The policy anniversary following the Insured's 70th birthday;

2.   Termination of Your policy; or

3.   The death of the Insured under Your policy while it is in force.







President and Chief Executive Officer