[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)(a)(3)

                      FOUR-YEAR LEVEL TERM INSURANCE RIDER

This rider adds a supplemental death benefit to your policy.

We'll pay this death benefit when we receive satisfactory proof that the person
insured by your policy died before the rider's expiration date, provided your
policy and this rider are in force. You'll find the amount of the death benefit
in Section 1 of your policy.

CHARGES

We'll deduct these charges only while this rider is in force.

Cost of insurance charge

The cost of insurance charge for this rider is part of the monthly charge for
this policy. We calculate it on each monthly charge date after we calculate the
cost of insurance charge for your policy.

We calculate the charge by multiplying the monthly cost of insurance rate per
$1,000 of net amount at risk by the net amount at risk for this rider's death
benefit divided by $1,000. You'll find more about net amount at risk in Monthly
charges.

The monthly cost of insurance rates for the net amount at risk of this rider are
based on the age, gender and underwriting class of the person insured by the
rider, and on your policy's face amount, death benefit option and how long your
policy has been in force. The monthly cost of insurance rates for this rider may
be different from the monthly cost of insurance rates for your policy.

We may change the monthly cost of insurance rates, but they'll never be greater
than the guaranteed maximum monthly cost of insurance rates shown in Section 1
of your policy. You'll find more about changing our rates in Changing our
charges.

CONTESTING THE VALIDITY OF THIS RIDER

We have the right to contest the validity of this rider for two years from its
issue date. Once this rider has been in force for two years from the issue date
during the lifetime of the person insured by this rider, we generally lose the
right to contest its validity.

IF THE PERSON INSURED BY THE RIDER COMMITS SUICIDE

If the person insured by the rider commits suicide, while sane or insane, within
two years from this rider's issue date, we will not pay this rider's death
benefit. We will cancel this rider and refund to your policy value the cost of
insurance we've deducted for this rider.

WHEN THIS RIDER BEGINS

We've issued this rider because you asked us on your application to add it to
your policy. The rider is attached to your policy, it forms part of your policy,
and the terms of the policy apply to it. The rider's issue date is the same as
your policy's issue date, and coverage under this rider starts on the policy
date. You'll find the issue date and policy date in Section 1 of your policy.

This rider doesn't have any policy value, and we don't use it to calculate how
much you can borrow from your policy. Charges for this rider, however, will
affect your policy value and how much you can borrow.

AM-SVTERM.1
Ed.12/01

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WHEN THIS RIDER WILL END

Your coverage under this rider will end on one of the following dates, whichever
comes first:

o    the rider's expiration date

o    the date the grace period ends and you have not made the payment that is
     needed

o    the date you end or surrender this policy

o    the date we receive at our administrative office your request in a form
     satisfactory to us to end this rider.

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



           [SIGNATURE]                                     [SIGNATURE]
___________________________________               ______________________________
           Secretary                                       President


AM-SVTERM.1
Ed.12/01

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