EXHIBIT 1.A.(5)(c)


                         FULL DEATH BENEFIT RIDER (FDB)

     This rider is a part of the base policy whose policy number is shown below.
     If not shown below, the Rider Date is shown on the Policy Data Page.

RIDER DATA

     BASE POLICY NUMBER

DEFINITIONS

     JOINT INSUREDS

                  The persons upon whose lives this base policy is issued. The
                  Policy Data Page lists the Joint Insureds.

     YOU, YOUR

                  The current owner of the base policy.

    WE, US, OUR

                  ReliaStar Life Insurance Company at our Home Office in
                  Minneapolis, Minnesota.

    WRITTEN, IN WRITING

                  A written request or notice, signed and dated, and received at
                  our Home Office in a form we accept. You may get forms for
                  this purpose from us.

DEATH BENEFIT

     This rider deletes the following sentence from the Death Benefits provision
     of the Summary of Benefits on page 3 of the base policy:

     The Death Benefit after the younger Joint Insured reaches age 100 is the
     Accumulation Value.

     This rider replaces the entire Death Benefit Options provision on page 5 of
     the base policy with the following:

     This policy has two Death Benefit Options:

     OPTION A (LEVEL AMOUNT OPTION) - The Death Benefit is the greater of:

     1. The Face Amount; or

     2. The Accumulation Value multiplied by the Corridor Percentage, as shown
     on the Policy Data Page, according to the younger Joint Insured's attained
     age.

     OPTION B (VARIABLE AMOUNT OPTION) - The Death Benefit is the greater of:

     1. The Face Amount plus the Accumulation Value; or

     2. The Accumulation Value multiplied by the Corridor Percentage, as shown
     on the Policy Data Page, according to the younger Joint Insured's attained
     age.

     On the policy anniversary after the younger Joint Insured attains age 100,
     all of the Variable Accumulation Value will be transferred to the Fixed
     Account. Subsequent transfers to the Variable Account will not be allowed.
     The subsequent Corridor Percentage will be 100% and no subsequent cost of
     insurance will be charged for the base policy.

     If the policy is in force on the policy anniversary after the younger Joint
     Insured attains age 100, the policy will not lapse thereafter.

[LOGO]    ReliaStar Life Insurance Company

          Box 20
          Minneapolis
          Minnesota 55440

Executed at our Home Office

Robert C. Salipante        President

/s/ Robert C. Salipante


Susan M. Bergen    Secretary

/s/ Susan M. Bergen



85-845                                                                  1 (2-00)




COST OF INSURANCE

     We determine the cost of insurance for this rider on a monthly basis. The
     cost of insurance for a policy month is calculated as 1 multiplied by the
     result of 2 minus 3, [1 x (2 - 3)], where

     1. Is the cost of insurance rate for the rider as shown on the Policy Data
     Page;

     2. Is the Death Benefit of the base policy at the beginning of the policy
     month, divided by the sum of 1.000000 plus the Minimum Monthly Interest
     Rate shown on the Policy Data Page; and

     3. Is the Accumulation Value immediately before the Monthly Deduction minus
     the cost for any rider benefits for the policy month.

     The cost of insurance is never less than zero.

REINSTATEMENT

     This rider cannot be reinstated.


AMENDMENT TO CONFORM TO LAW

     We reserve the right to amend a transfer as necessary to maintain the
     policy's qualification with the Definition of Life Insurance as defined by
     the Internal Revenue Code.


TERMINATION

     This rider will terminate on the earliest of the following dates:

     1. The Monthly Anniversary on or next following our receipt at our Home
     Office of your written request for termination; or

     2. When the base policy ends.