SF 618                             Page 1                             SAMPLE

                        HAZARDOUS SPORTS 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 as a result, directly or indirectly, wholly or in part, of
participation in the "excluded hazardous sport" (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.

LIMITED BENEFIT

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




EXCLUDED HAZARDOUS SPORT:



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President and Chief Executive Officer