SF 612                               Page 1                         SAMPLE

                            AVIATION EXCLUSION 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.

If the Insured dies in an "excluded circumstance" (see below), We will pay only
this rider's "limited benefit" (see below), even if there is other language in
Your policy to the contrary.

DEFINITION

AIRCRAFT - means any contrivance now or hereafter invented, which is capable of
sustained travel, throughout air, space or both. Such term shall include:

1.   Conventional  Aircraft  -  means a  vehicle  used or  designed  solely  for
     navigation of or flight in, the air; and

2.   Space Vehicle - means a conveyance intended for launch, launched or
     assembled in outer space (including by way of example, space shuttles), any
     equipment components, devices and parts of a transportation, communication,
     information or other system employed in outer space.

EXCLUDED CIRCUMSTANCES

Death occurring in any of the following situations is death in an "excluded
circumstance" for purposes of this rider:

1.   As a direct or indirect  result of operating,  riding in or descending from
     any kind of aircraft on or in which the Insured either:

a.   Is a pilot or member of the operating crew:

b.   Is giving or receiving any kind of training or instruction; or

c.   Has any assigned duties whatsoever in connection with or pertaining to such
     aircraft, its operation or purpose of flight (passengers or cargo); or

2.   As a result of jumping or parachuting from any aircraft.

LIMITED BENEFITS

The limited benefit will be the Net Surrender Value as of the date of death.



President and Chief Executive Officer