ANNIVERSARY PARTIAL WITHDRAWAL RIDER

                     Joint and Last Survivor - Variable Life
            Issued by Cova Financial Services Life Insurance Company


This rider is a part of the policy  and is subject to all  applicable  terms and
provisions of the policy; except as modified herein.

Prior to the younger Insured's  Attained Age 95, this rider replaces the Partial
Withdrawals,  the General Account Partial  Withdrawals and the Separate  Account
Partial Withdrawals provisions with the following:

You can make a partial  withdrawal of cash on any policy  anniversary date prior
to the younger Insured's  Attained Age 95. The amount of the partial  withdrawal
may not exceed the greater of:

1.   The  increase  in  cash   surrender   value  since  the  preceding   policy
     anniversary; or

2.   The cash surrender value at the beginning of that policy year multiplied by
     the Anniversary  Partial  Withdrawal  Percentage Limit, shown on the Policy
     Specifications Page.


A partial  withdrawal  will not be processed  for more cash than is available in
the cash surrender value on the date of the partial withdrawal.

The minimum  amount for a partial  withdrawal  request from the General  Account
must be at least $500.00.

The minimum amount for a partial  withdrawal  request from the Separate  Account
must be the lesser of  $500.00 of a  Division;  or your  entire  balance in that
Division.

When the younger Insured reaches  Attained Age 95, this rider will terminate and
the  Partial  Withdrawals,  the  General  Account  Partial  Withdrawals  and the
Separate Account Partial Withdrawals  provisions as described in the policy will
become  effective.  You may terminate this rider prior to the younger  Insured's
Attained Age 95, by sending us a written request.

The Issue Date and the effective  date of this rider and the policy are the same
unless another effective date is shown below.






                 DATE





   SECRETARY                                                      PRESIDENT



                                      COVA
                 Cova Financial Services Life Insurance Company
                               St. Louis, Missouri

        CLR12
        (5/99)