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                                                              EXHIBIT 1.A.(5)(f)

                     ANNUALLY RENEWABLE TERM INSURANCE RIDER


In addition to the Death Benefit of the policy, we, National Life Insurance
Company, will pay the Renewable Term Insurance Amount, subject to the terms of
this rider, when we receive at our Home Office due proof that the Term Insured
died while this rider was in force. The Term Insured and the Renewable Term
Insurance Amount are identified in the Data Section.

The date of issue of this rider is the policy Date of Issue unless a later date
is shown below.

COST OF RENEWABLE TERM INSURANCE. The Renewable Term Insurance rate on any day
shall be based on the duration of this rider, the Attained Age of the Term
Insured, and the rate classes of the Term Insured on the date of issue of this
rider.

On any Monthly Policy Date, the Cost of Renewable Term Insurance shall be:

1.   the Renewable Term Insurance rate on such date divided by $1,000;
     multiplied times

2.   the Renewable Term Insurance Amount, divided by the sum 1 plus the monthly
     Accumulated Value Interest Rate shown in the Data Section.

We may change the Cost of Renewable Term Insurance rates from time to time based
on our expectations of future experience. Any change in the Cost of Renewable
Term Insurance rates shall apply to all riders of the same duration, insuring
persons of the same Attained Age and rate class as the Term Insured. The Cost of
Renewable Term Insurance rates shall not be greater than the rates set forth in
the Table of Guaranteed Maximum Cost of Renewable Term Insurance Rates shown in
the Data Section. These rates are based on the Mortality Table named in the Data
Section.

RENEWAL. This rider expires on each rider anniversary. Upon each expiration, if
all monthly Cost of Renewable Term Insurance charges for the expired term have
been paid, the rider will be renewed for a one year term.

No renewal shall occur on or after the Final Term Expiration Date shown in the
Data Section.


                                    EXCHANGE

ISSUE AGE EXCHANGE. Upon written request received at our Home Office, this rider
may be exchanged for a whole life or limited payment life policy, but not a
flexible premium life policy, on the life of the Term Insured for the same
Renewable Term Insurance Amount without proof that the Term Insured is insurable
if:

1.   this rider is in force; and

2.   the exchange is made within five years from the date of issue of this rider
     and prior to the Final Exchange Date set forth in the Data Section.

The new policy shall:

1.   have the same date of issue as this rider; and

2.   be on a form in use by us on the date of issue of this rider; and

3.   be at the premium rate in effect for the Term Insured's age on the date of
     issue of this rider. If this rider is subject to a substandard risk
     classification on the date of exchange, the new policy shall be issued in
     the same substandard risk class.
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The cost of such exchange shall be the sum of the amounts calculated by the
following steps as of the date of issue of this rider and as of each rider
anniversary prior to the exchange:

1.   the annual premium which would have been due for the new policy on such
     date, reduced by any dividend which would have been credited under the new
     policy on such date, if it had been issued on the date of issue of this
     rider; less

2.   the annual premium for this rider on such date less any dividend credited
     under this policy on such date; plus

3.   interest on the excess of the amount calculated in Step 1 over the amount
     deducted in Step 2, from the date such premiums would have been due, to the
     date of exchange, at the Exchange Interest Rate stated in the Data Section.

We may require that this rider be returned to us.

ATTAINED AGE EXCHANGE. Upon written request received at our Home Office, this
rider may be exchanged for a whole life policy, limited payment life policy, or
a flexible premium life policy on the life of the Term Insured, with a Sum
Insured or Face Amount equal to this rider's Renewable Term Insurance Amount,
without proof that the Term Insured is insurable if:

1.   this rider is in force; and

2.   the exchange is made prior to the Final Exchange Date set forth in the Data
     Section.

The new policy shall:

1.   be on a form in use by us on the date of exchange; and

2.   be at the premium rate in effect for the Term Insured's Attained Age on the
     date of exchange. If this rider is subject to a substandard risk
     classification on the date of exchange, the new policy shall be issued in
     the same substandard risk class.

We may require that this rider be returned to us.


                                  GENERAL TERMS

EFFECT ON POLICY. This rider and its premiums do not affect any default benefits
of the policy. Any insurance continued upon default in payment of any premium
due shall not include benefits provided by this rider.

INCONTESTABILITY. After this rider has been in force during the life of the Term
Insured for two years from its date of issue, we will not contest it except for
failure to pay the Cost of Renewable Term Insurance.

SUICIDE LIMITATION. If the death of the Term Insured within two years from the
date of issue of this rider results from suicide, while sane or insane, we will
pay only the sum set forth in the Suicide Limitation provision of the policy.

CONSIDERATION. This rider is issued in consideration of the application for the
rider and the monthly cost of the rider. The rider and a copy of the application
for the rider are attached and made a part of the policy.

RIDER YEARS AND ANNIVERSARIES. Rider years and anniversaries shall be measured
from the date of issue of the rider.

TERMINATION.  This rider shall terminate:

1.   on each anniversary, unless renewed; or

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2.   on its Final Term Expiration Date; or

3.   on the day the policy terminates; or

4.   on any Monthly Policy Date requested, if before that date we receive at our
     Home Office written request for termination.

When this rider terminates:

1.   all rights under this rider shall cease; and

2.   there will be no further monthly costs for this rider; and

3.   the policy will be considered separate and complete without this rider.


Signed for National Life Insurance Company at Montpelier, Vermont, as of the
date of issue, by

                                         Chairman of the Board
                                                  and
                                         Chief Executive Officer