SF 656                                                                 SAMPLE


                       ENHANCED CASH SURRENDER VALUE 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.

RIDER PROVISIONS


The CHARGES AND LIMITS section of Your current Data Pages are amended as
follows:

If you surrender the policy to which this rider is attached within the first 5
policy years, we will pay an amount in addition to the Net Surrender Value as
shown on the current Data Pages.

LIMITATIONS AND CONDITIONS

The Enhanced Cash Surrender Value Rider benefit will not apply if the policy is
surrendered in conjunction with a replacement or Section 1035 Exchange.


TERMINATION


This rider will terminate on the first of the following events:

1.       We receive Your Notice to cancel it;


2.       Termination of Your policy;


3.       The fifth policy anniversary;


4.       Your assignment of the policy, except as in item 5 stated below;

5.       Any change of ownership except:

          a.   A change resulting from a merger,  consolidation,  or acquisition
               of Your assets unless the successor  owner of the policy was Your
               wholly owned subsidiary on the date the ownership changed; or

          b.   The successor owner of Your policy is a trust  established by You
               for the purposes of providing employee benefits


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                                [GRAPHIC
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                                                     Insurance Company
                                                     Des Moines, Iowa 50392-0001