[LOGO] TIAA-CREF Life Insurance Company
       730 Third Avenue
       New York, NY 10017-3206
       212 490-9000  1 800 223-1200

                                                            Exhibit 1.A(5)(b)(7)

                                  LAST SURVIVOR
                         AVIATION LIMITATION ENDORSEMENT

The policy to which this endorsement is attached is amended to add the following
provisions:

AVIATION LIMITATION UPON THE DEATH OF THE FIRST INSURED TO DIE
We will discontinue your policy on the life of the surviving insured if the
death of the first insured to die results from operating, riding in, or
descending from any civilian, military, or other aircraft if that insured:

o    had any duties aboard the aircraft, whether or not pertaining to the
     flight; or

o    was aboard to receive or give any training or instruction.

However, we will not discontinue your policy on the life of the surviving
insured if the first insured to die was riding as a passenger in an aircraft
being used:

o    commercially to transport passengers; or

o    by a private business or government to transport its personnel or guests.

In the event that we discontinue your policy on the life of the surviving
insured, you may obtain, without evidence of insurability, a new single life
flexible premium variable universal life insurance policy on the life of that
insured. The new policy will be based on the surviving insured's gender, age,
and most recent underwriting class of this policy. The face amount of the new
policy will be an amount equal to the current face amount of this policy. The
death benefit option of the new policy will be the same as this policy's.

An Aviation Limitation Endorsement will be included with the new policy. Any
additional benefit riders may be included with the new policy with our consent
and with evidence of insurability satisfactory to us.

The suicide and contestable periods of the new policy will be reduced by the
elapsed portion of these periods under this policy.

Any assignment of this policy will remain in effect under the new policy.

AVIATION LIMITATION UPON THE DEATH OF THE SECOND INSURED TO DIE
We will pay a limited death benefit, as defined below in this endorsement, to
the beneficiary if the death of the second insured to die results from
operating, riding in, or descending from any civilian, military, or other
aircraft if that insured:

o    had any duties aboard the aircraft, whether or not pertaining to the
     flight; or

o    was aboard to receive or give any training or instruction.

This limited death benefit does not apply if the second insured to die was
riding as a passenger in an aircraft being used:

o    commercially to transport passengers; or

o    by a private business or government to transport its personnel or guests.



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Ed. 12/01                              Page 1






LIMITED DEATH BENEFIT

The limited death benefit payable as a result of the death of the second insured
to die will equal the greater of (1) and (2), where:

(1)  is the amount of premiums paid with compound interest at 3% per year, less
     any outstanding loan amount and less any withdrawals and accrued interest
     compounded at 3% per year on such withdrawals; and

(2)  is the cash surrender value as of the date of death.

In no event will the limited death benefit ever exceed the death benefit
otherwise payable under your policy.

The above limitation is in addition to any other limitation or exclusion under
your policy.

TIAA-CREF LIFE INSURANCE COMPANY
ADMINISTRATIVE OFFICE
730 THIRD AVENUE
NEW YORK, NY [10017-3206]
[1-800-223-1200]





            [SIGNATURE]                                  [SIGNATURE]
_________________________________________      _________________________________
            Secretary                                    President



AM-JVAL.1
Ed. 12/01
                                     Page 2