SF 610                             Page 1                            SAMPLE

                         ACCIDENTAL DEATH BENEFIT 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
accidental death benefit provided by this rider. All policy definitions,
provisions and exceptions apply to this rider unless changed by this rider. The
Effective Date is the Policy Date unless another date is shown on the current
Data Pages.

ACCIDENTAL DEATH BENEFIT

This rider provides an accidental death benefit as shown on the current Data
Pages. We will pay the benefit to the beneficiary upon receipt of proof
satisfactory to Us that:

1.   The Insured died on or after the policy anniversary following the Insured's
     first birthday;

2.   The  Insured  died as a result,  directly  and  independently  of all other
     causes, of accidental bodily injury; and

3.   The death is not a direct or indirect result of an Excluded Risk.

EXCLUDED RISKS

We will not pay the accidental death benefit if death results directly or
indirectly from any of the following:

1.   Suicide, while sane or insane;

2.   War or an act of war, or service in the  military  forces of any country at
     war, declared or undeclared;

3.   Bodily or mental  disease or  infirmity,  or medical or surgical  treatment
     thereof;

4.   The  commission  or  attempted  commission  by the Insured of an assault or
     felony;

5.   Operating,  riding in or descending  from any kind of aircraft in which the
     Insured  is a pilot or a member  of the  operating  crew,  or in which  the
     Insured is receiving or giving any kind of training or instruction; or

6.   The voluntary taking of or the effects of voluntarily using any drug,
     narcotic or hallucinogen unless prescribed for and administered to the
     Insured by a licensed physician who is not a member of the Insured's
     family. This includes any controlled substances listed in Schedules I, II,
     III or IV of the Federal Controlled Substances Act, 21 U.S.C. Section 812,
     or successor statutes, as they may be amended.

AUTOPSY

We reserve the right to examine the Insured's body and, unless prohibited by
law, to make an autopsy.

INCREASES

You may increase the accidental death benefit up to the current Total Face
Amount, provided:

1.   The  increase  is for at least the minimum  Total Face  Amount  increase as
     shown on the current Data Pages;

2.   The increase does not result in a total benefit  exceeding Our underwriting
     limits then in effect; and

3.   You  supply  evidence  of   insurability   which  satisfies  Us  under  Our
     underwriting rules then in effect.

FACE AMOUNT DECREASES

Accidental death benefit amounts cannot exceed the total benefit permitted by
Our underwriting guidelines then in effect. If a face amount decrease causes a
conflict with that guideline, We will reduce the accidental death benefit amount
and its cost, accordingly.

COST OF INSURANCE

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 cost of insurance  rate, as described in the Cost of Insurance Rates
     section, divided by 1,000; and

2.   Is the accidental death benefit.

COST OF INSURANCE RATES

The monthly cost of insurance rates for the accidental death benefit are based
on the attained age and risk class of the Insured. The monthly cost of insurance
rates are also based on gender of the Insured, except for policies issued in
states which require unisex pricing or in connection with employment related
insurance and benefit plans not based on the gender of the Insured. We determine
these rates based on Our expectations as to Our future mortality experience. Any
change in these rates applies to all individuals of the same class as the
Insured. The cost of insurance rates will never be greater than those shown on
the current Data Pages in the Table of Guaranteed Maximum Cost of Insurance
Rates for Accidental Death Benefits. However, different guaranteed maximum cost
of insurance rates may apply to any increase in the accidental death benefit.

TERMINATION

This rider ends on the earlier of:

1.   Termination of Your policy;

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

3.   Our  receipt  of Your  Notice to cancel  this  rider.  The  change  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