THE UNION CENTRAL LIFE INSURANCE COMPANY
                        Cincinnati, Ohio
                         (the "Company")

                           ENDORSEMENT


This policy is endorsed to replace the Monthly Deduction
provision with the following provision:

MONTHLY DEDUCTION.  The monthly deduction is a charge made
against the  account value each policy
month.  It is:

 1.  the cost of insurance and the cost for any policy riders;
     plus
 2.  the monthly administrative charge.

The monthly deduction is due on each monthly date, beginning on
the policy date.  The deduction is made against the account value
of the subdivision of the Variable Account and/or the Guaranteed
Account, in percentages elected by you.

If, at any time, there are insufficient funds in the subdivision
of the Variable Account elected by you, then the monthly
deduction will be made against the account value in each
subdivision of the Variable Account and the Guaranteed Account in
proportion to the total amounts in these accounts.

In all other respects, this policy remains unchanged.


             THE UNION CENTRAL LIFE INSURANCE COMPANY


       /s/ David F. Westerbeck       /s/ John H. Jacobs


                Secretary                 President




John Doe
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UC E-265                                                   3/00