SF 617                                Page 1                          SAMPLE

                             EXTENDED COVERAGE 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.

ELIGIBILITY

The provisions described below will only be applicable if the Insured is living
on the Maturity Date shown on the current Data Pages.

RIDER PROVISIONS

This rider provides that after the Maturity Date shown on the current Data
Pages:

1.   Your policy will continue in force,  and the Maturity Date will be the date
     of the Insured's death.

2.   The Monthly Policy Charge will be zero.

3.   No additional premium payments will be allowed.

4.   No adjustment options will be available.

5.   Loan payments will be allowed.

6.   Your  policy will  automatically  change to death  benefit  Option 1 and no
     future death benefit option changes will be allowed.

7.   All Division and Fixed Account values will be transferred to the Money
     Market Division and no further transfer rights between Divisions and/or the
     Fixed Account will be allowed.

8.   We will pay the  beneficiary(ies)  the death  proceeds as described in Your
     policy, as of the date of the Insured's death.

TERMINATION

This rider ends on:

1.   Termination of Your policy;

2.   Our receipt of Your Notice to cancel this rider. 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 office to record
     the cancellation.





President and Chief Executive Officer