EXHIBIT 1.A (5)(d)

SINGLE LIFE TERM INSURANCE RIDER
(This rider covers the life of Insured #2 only.)

This rider is a part of the policy to which it is attached if the rider is
shown in the Schedule. This rider must be read with all policy provisions.
This rider does not participate in our surplus earnings. The insured under
this rider is Insured #1 listed in the Schedule. This rider has no loan
value. There is no surrender charge applicable to this rider. The rider
effective date is the policy date or, if added later, the monthly processing
date on or next following the date your application for this rider is approved
by us.

THE DEATH BENEFIT. Subject to this rider's terms, we will pay the term death
benefit in force on the date of Insured #2's death. We will pay the proceeds
to the beneficiary. The term death benefit amount for this rider is shown in
the Schedule attached to the policy. The term death benefit may change at the
beginning of each policy year.

COST OF INSURANCE. The cost of insurance for this rider is determined on a
monthly basis. The cost is added to the policy's monthly deduction from the
account value as of each monthly processing date until this rider terminates.
The cost of insurance rates will be determined by us from time to time. They
will be based on the issue age and premium class of the insured as well as the
duration since the rider effective date. The cost of insurance for this rider
is calculated as the monthly cost of insurance rate multiplied by the death
benefit (in thousands) for this rider.

The monthly guaranteed maximum cost of insurance rates per $1,000 for this
rider are shown in the Schedule on the applicable table of guaranteed rates
attached to your policy.

OWNER. The owner of this policy is the owner of this rider.

INCONTESTABILITY. After this rider has been in force while the insured is
alive for two years from the policy date, we will not contest the statements
in the application for this rider attached at the time this rider is issued.

After this rider has been in force while the insured is alive for two years
from the effective date of any increase in the amount of insurance, we will
not contest the statements in the application for such increase.

After this rider has been in force while the insured is alive for two years
from the effective date of any reinstatement of this rider, we will not
contest the statements in the application for such reinstatement of this
rider.

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SUICIDE. If the policy terminates for suicide, this rider will then terminate
without value.

If the insured commits suicide, while sane or insane, within two years of the
rider effective date and the policy is not terminated due to this suicide, we
will terminate this rider and make a limited payment to the beneficiary. We
will pay in one sum the amount of the cost of insurance for this rider which
was deducted from the policy value. This rider will then terminate.

If the insured commits suicide within 2 years of the effective date of an
increase and the policy is not terminated due to this suicide, we will
terminate the increase and pay the cost of insurance associated with the
increase.

MISSTATEMENT OF AGE OR SEX. If the insured's age or sex has been misstated,
any amount payable by us will be adjusted. The death benefit will be that
which the cost of insurance which was deducted from the policy value on the
last monthly processing date prior to the second death would have purchased
for the insured's correct age or sex. IF THE DEATH BENEFIT ADJUSTMENT IS MADE
PRIOR TO THE SECOND DEATH, THE ADJUSTED DEATH BENEFIT WILL BE TO AN EQUITABLE
AMOUNT DETERMINED BY US.

CHANGE IN AMOUNT OF COVERAGE. On any policy anniversary after the first rider
anniversary, the insurance coverage under this rider may be changed. The
coverage may be increased or decreased by sending a written request to our
Customer Service Center. You may increase or decrease the coverage only once
each policy year. Any change in coverage may not be for an amount less than
$1,000. Such change is subject to the following conditions:

a) Any requested decrease in the rider death benefit is subject to our
approval. Our approval may be conditioned on eliminating any future
scheduled increases to the rider death benefit

b) The amount of coverage under this rider in effect after any requested
decrease may not be less than $1,000.

c) Any request for an increase must be applied for on a supplemental
application. The increase is subject to evidence satisfactory to us that
the insured is still insurable according to our normal rules of
underwriting for the applicable premium class for this type of policy. An
increase will be subject to the existence of sufficient surrender value to
cover the monthly deduction for the next two months.

d) For any increase or addition to coverage, the effective date will be the
monthly processing date that falls on or next follows the date the
supplemental application is approved by us. For any decrease in coverage,
the effective date will be the monthly processing date that falls on or
next follows receipt of the written request to reduce coverage. For any
change in coverage, a supplemental Schedule page will be issued.

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DECREASE IN STATED DEATH BENEFIT. Any requested decrease in the stated death
benefit in the policy shall eliminate any future scheduled increases in the
rider death benefit. We may choose not to eliminate these increases upon
submission of evidence satisfactory to us that the insured is still insurable
according to our normal rules of underwriting for the applicable premium class
for this rider.

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

a) Expiration of the grace period of the policy.
b) Termination or surrender of the policy.
c) Receipt by us of a written request from you to cancel this rider on any
monthly processing date.
d) Policy anniversary nearest the younger insured?s 100th birthdate.

Any deduction for the cost of insurance after termination of this rider will
not be considered a reinstatement of this rider nor a waiver by us of the
termination. Any such deduction will be credited to the policy value of the
policy as of the date of the deduction.

REINSTATEMENT. If you reinstate your policy under the reinstatement provision
of the policy, this rider will be reinstated.

Signed for the company at Denver, Colorado

SECURITY LIFE OF DENVER INSURANCE COMPANY

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SINGLE LIFE TERM INSURANCE RIDER SCHEDULE
(This schedule covers the life of Insured #2 only.)
TABLE OF SCHEDULED DEATH BENEFITS AND GUARANTEED MONTHLY MAXIMUM COST
OF TERM INSURANCE RATES PER $1,000 OF INSURANCE
POLICY NO. 67000001

POLICY SCHEDULED DEATH GUARANTEED POLICY SCHEDULE DEATH GUARANTEED
YEAR BENEFIT MONTHLY RATES YEAR BENEFIT MONTHLY RATES

1 150,000.00 0.07083 28 250,000.00 0.23917
2 150,000.00 0.07500 29 250,000.00 0.25750
3 150,000.00 0.07917 30 250,000.00 0.27667
4 150,000.00 0.08167 31 300,000.00 0.29667
5 150,000.00 0.08500 32 300,000.00 0.31667
6 150,000.00 0.08750 33 300,000.00 0.33750
7 150,000.00 0.08917 34 300,000.00 0.36083
8 150,000.00 0.09083 35 300,000.00 0.38583
9 150,000.00 0.09250 36 300,000.00 0.41333
10 150,000.00 0.09500 37 300,000.00 0.44250
11 150,000.00 0.09667 38 300,000.00 0.47500
12 150,000.00 0.09917 39 300,000.00 0.51250
13 150,000.00 0.10167 40 300,000.00 0.55083
14 150,000.00 0.10500 41 300,000.00 0.59083
15 150,000.00 0.10833 42 300,000.00 0.63083
16 200,000.00 0.11250 43 300,000.00 0.66917
17 200,000.00 0.11667 44 300,000.00 0.70583
18 200,000.00 0.12083 45 300,000.00 0.74500
19 200,000.00 0.12500 46 300,000.00 0.78917
20 200,000.00 0.13167 47 300,000.00 0.84417
21 200,000.00 0.13750 48 300,000.00 0.91333
22 200,000.00 0.14667 49 300,000.00 1.00167
23 200,000.00 0.15750 50 300,000.00 1.10417
24 200,000.00 0.17000 51 300,000.00 1.21583
25 200,000.00 0.18500 52 300,000.00 1.33333
26 250,000.00 0.20167 53 300,000.00 1.45250
27 250,000.00 0.22000 54 300,000.00 1.57000

SINGLE LIFE TERM INSURANCE RIDER SCHEDULE
(This schedule covers the life of Insured #2 only.)
TABLE OF TARGET DEATH BENEFITS AND GUARANTEED MONTHLY MAXIMUM COST
OF TERM INSURANCE RATES PER $1,000 OF INSURANCE
POLICY NO. 67000001

POLICY TARGET DEATH GUARANTEED POLICY TARGET DEATH GUARANTEED
YEAR BENEFIT MONTHLY RATES YEAR BENEFIT MONTHLY RATES

55 300,000.00 1.69667 71 300,000.00 9.67500
56 300,000.00 1.84250 72 300,000.00 10.77417
57 300,000.00 2.01917 73 300,000.00 11.94333
58 300,000.00 2.23917 74 300,000.00 13.18167
59 300,000.00 2.50917 75 300,000.00 14.49500
60 300,000.00 2.82750 76 300,000.00 15.89583
61 300,000.00 3.18667 77 300,000.00 17.40583
62 300,000.00 3.58083 78 300,000.00 19.06750
63 300,000.00 4.00333 79 300,000.00 20.95917
64 300,000.00 4.45417 80 300,000.00 23.27583
65 300,000.00 4.94583 81 300,000.00 26.44333
66 300,000.00 5.49917 82 300,000.00 31.31167
67 300,000.00 6.13333 83 300,000.00 39.58083
68 300,000.00 6.86667 84 300,000.00 54.65417
69 300,000.00 7.71083 85 300,000.00 83.33333
70 300,000.00 8.65083