SF 614                                  Page 1                       SAMPLE

                          CHILDREN TERM INSURANCE RIDER




This rider is part of Your policy. It is issued in consideration of the
application and deduction from the Policy Value of the monthly cost of children
term insurance benefits provided by this rider. 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.

DEFINITION

INSURED CHILD means:

1.   Any child,  stepchild or legally  adopted child of the Insured named in the
     application  for this rider who is less than 18 years of age on the date of
     the application for this rider; or

2.   Any child of the Insured  born after the date of the  application  for this
     rider; or

3.   Any child less than 18 years of age legally  adopted by the  Insured  after
     the date of the application for this rider.

A child will not be an Insured Child and will not be covered before attaining
the age of 14 days or beyond this rider's protection period.

INSURANCE BENEFIT

We will pay this rider's beneficiary its insurance amount upon receipt of proof
of an Insured Child's death. This rider's insurance amount is equal to the
number of units of this rider included in Your policy, as shown on the current
Data Pages, times $1,000.

     EXAMPLES:
     3 UNITS children term x $1,000 = $3,000  insurance  amount for each Insured
     Child

     4.5 UNITS children term x $1,000 = $4,500 insurance amount for each Insured
     Child

PROTECTION PERIOD

This rider's protection period ends on the first of:

1.   Termination of this rider (see Termination provision below); or

2.   As to any individual  Insured Child, the policy  anniversary next following
     the Insured Child's 25th birthday.

CHILDREN TERM COST OF INSURANCE RATES

We deduct the cost of insurance for the benefits provided by this rider on each
Monthly Date. The cost is 1 multiplied by 2 where:

1.   Is the number of units; and

2.   Is the rate per unit shown on the current Data Pages.





BENEFICIARY

We will pay the rider's insurance amount to the beneficiary named in the
application for this rider unless the beneficiary is changed at a later date.

OWNERSHIP

The owner of this rider is the same as the owner of the policy to which it is
attached.

INCONTESTABILITY

We will not claim this rider is void or deny payment of its insurance amount
after it has been in force for 2 years from its Effective Date. This time limit
is not applicable to fraudulent misrepresentations.

SUICIDE

This rider's insurance amount will not be paid if the Insured Child dies by
suicide, while sane or insane, within 2 years of its Effective Date. Instead, we
will return all costs of children term insurance deducted for this rider. This
amount will be paid to the beneficiary.

PAID-UP BENEFIT

If the Insured dies while Your policy and this rider are in force, this rider
will become fully paid up. It will then continue in force during its protection
period, as shown on the current Data Pages, unless surrendered. You may obtain
the surrender value of this rider, when fully paid up, at any time by sending Us
Notice. The surrender value will be the net single premium for the insurance at
the respective Attained Age of each Insured Child based on the Commissioners
1980 Standard Ordinary Mortality Table, Table B for unisex, assuming:

1.   Interest at 4% a year;

2.   Immediate payment of claims; and

3.   Age determined on last birthday basis.

The surrender value within 30 days after a policy anniversary will not be less
than the value on the anniversary.

EXCHANGE

Any insurance under this rider may be exchanged for a policy on the life of the
Insured Child on the first of:

1.   The policy anniversary following the Insured Child's 25th birthday;

2.   The policy anniversary following the Insured's 65th birthday; or

3.   The death of the Insured.

No evidence of insurability is required provided:

1.   We receive  written  application  and payment of the first  premium for the
     policy no earlier than 90 days before nor later than 31 days after the date
     exchange may be made as provided above; and

2.   The Total Face Amount is not less than $1,000 per unit of this rider and is
     not more than $5,000 per unit of this rider.





This policy may be any form of life policy, except term, available under Our
underwriting guidelines then in effect. Its premium rate will be at Our then
published standard risk class rate for the policy based on the Insured Child's
Attained Age. Its effective date will be the date of exchange. No insurance is
provided until the insurance under this rider terminates.

The new policy may include waiver or accidental death riders with Our consent
and upon payment of any additional cost We determine for the riders.

If an Insured Child dies within 31 days of the date on which exchange would have
been allowed, We will pay a death benefit of $1,000 per unit of this rider.

REINSTATEMENT

This rider may be reinstated as part of Your policy if, in addition to all other
policy conditions for reinstatement, You supply evidence which satisfies us that
each proposed Insured Child is insurable under Our underwriting guidelines then
if effect.

Upon reinstatement, if any child proposed for insurance does not meet the above
conditions, this rider may still be reinstated as part of Your policy but only
with an endorsement excluding such ineligible child from insurance coverage
under this rider.

TERMINATION

This rider ends on the first of:

1.   Termination of Your policy;

2.   The policy anniversary following the Insured's 65th birthday; or

3.   Our receipt of Your Notice to cancel it. The change will be effective on
     the Monthly Date on or next following the date We receive the request. We
     may require You to send Your policy to Our office to record the
     cancellation.









President and Chief Executive Officer