EXHIBIT 1.(5)(b)
Policy Riders
[ACACIA NATIONAL LIFE INSURANCE COMPANY LOGO]

DISABILITY BENEFIT RIDER

BENEFITS

While the Insured is totally disabled, the disability benefit amount will be
applied as premium to the policy. The premium will be credited as of the last
monthly activity date, prior to the approval date of the claim and will be
credited annually thereafter, during continuance of total disability. In
addition, while the Insured is totally disabled, the cost of insurance for this
rider will not be deducted from the accumulation value. All other monthly
deductions will apply.

If total disability begins after the grace period, no benefits under this rider
will be paid. If any portion of a disability benefit would affect the tax
qualifications of this policy as described in Section 7702 of the Internal
Revenue Code, as amended, the benefit payable will be reduced by that portion
considered to be excess premium.

CONSIDERATION

This rider is issued in consideration of the application and payment of its cost
of insurance. A copy of the application is attached to the policy. The cost of
insurance for this rider is deducted from the accumulation value at the same
time and in the same manner as the cost of insurance for the policy.

DEFINITIONS

DISABILITY BENEFIT: For purposes of this rider, the disability benefit is an
amount shown on the schedule pages, selected by you on the application.

EFFECTIVE DATE: The effective date of all coverage under this rider shall be as
follows:

1. The policy date shall be the effective date for all coverage provided in
the original application.

2. For any rider issued after the policy date, the effective date shall be the
date shown on a supplement to the schedule pages of the policy.

3. For any insurance that has been reinstated, the effective date shall be the
monthly activity date on or next following the date we approve the
reinstatement.

EXPIRATION DATE: This date is also shown in the schedule pages of the policy. It
is the date on which this rider is no longer effective.

TOTAL DISABILITY: Total disability must begin after the effective date of this
rider as shown in the schedule pages and before the policy anniversary nearest
the Insured's 65th birthday. It must result from bodily injury which occurs or
sickness which first manifests itself while this rider is in force.

Total Disability means:

1. Total loss of the sight of both eyes. This loss must be irrecoverable; or

2. Total loss of the use of both hands, both feet, or one hand and one foot.
This loss must be irrecoverable; or

DBR 8901
2

3. The incapacity of the Insured to engage in any substantial duties of his or
her occupation for at least six consecutive months. (Substantial duties
includes managerial or supervisory functions.)

During the first 24 months of total disability, occupation means the usual
work, employment, business or profession in which the Insured was engaged
immediately before the date of disability. This includes attendance at
school or college as a full-time student. After 24 months of total
disability an Insured who is engaged in any occupation for remuneration or
profit will not be considered totally disabled.

GENERAL PROVISIONS

NOTICE OF DISABILITY: To receive this benefit, written notice of claim must be
received at the Home Office. It must be received: (a) while the Insured is
living; (b) while the Insured is totally disabled; and (c) not later than 9
months after the Insured has become totally disabled.

If such notice is not furnished in the required time limit, the claim will not
be accepted. But a late claim will be accepted if it can be shown that it was
not reasonably possible to meet the requirements and that notice was given as
soon as was reasonably possible. In no event, however, will the Insured receive
any benefit under this rider for a period prior to one year before the date on
which notice was received.

PROOF OF TOTAL DISABILITY: Approval of the initial notice of claim will be
granted after we receive satisfactory written proof that the Insured is totally
disabled. Proof must be presented at the Home Office: (a) while the Insured is
living; (b) before total disability has ended or been interrupted; and (c)
within 12 months after we receive the notice of total disability. Forms approved
by us must be used.

Similar proof that the total disability is continuing may be required at
reasonable intervals. After the Insured has been totally disabled for 2 years,
we will only require proof once per year. If the Insured fails to furnish such
proof, the disability benefit will cease.

DURATION OF BENEFITS: Upon approval of your claim, we will credit the disability
benefit amount. We will start with the monthly anniversary date prior to the
date disability began. However, we will not credit any amount for a period of
more than 9 months before we receive written notice of disability unless it is
shown that notice was given as soon as reasonably possible.

We will continue to credit the disability benefit amount while the Insured is
totally disabled and the policy is in force until the rider anniversary
following the Insured's 100th birthday. However, if disability begins on or
after the rider anniversary after the Insured's 60th birthday, we will only
credit payment:

1. Until the rider anniversary following the Insured's 65th birthday; or

2. For two years; if later.

INCONTESTABILITY: While the Insured is alive, the validity of this rider cannot
be contested after it has been in force for a period of 2 years from the
effective date of this rider.

DBR 8901
3

REINSTATEMENT: Coverage under this rider may be reinstated with the policy if no
more than 3 years have passed since the date of termination. Reinstatement must
occur before the expiration date of this rider. Such reinstatement may occur any
time before the policy anniversary nearest the Insured's 65th birthday. The
requirements for reinstatement are:

1. Receipt of evidence of insurability satisfactory to us.

2. Payment of the minimum cost of insurance sufficient to keep this rider in
force for 3 months.

EXCLUSIONS: The Insured will not be eligible for the disability benefit if the
total disability on which the claim is based results from:

1. Self-inflicted bodily injury while sane or insane, other than accidental
injury; or

2. War or any act of war, whether declared or not, regardless of whether the
Insured is in the armed forces.

TERMINATION OF RIDER: This rider will automatically terminate on the earliest of
these conditions:

1. On the expiration date of this rider;

2. On the monthly activity date on or next following the date we receive your
written request;

3. On surrender of this rider to us; or

4. On termination of the policy.

CHANGE OF POLICY: Once the disability benefit commences, you cannot change the
specified amount of insurance (except for any increase(s) which result from
exercising options under any Guaranteed Insurability Rider), the death benefit
option, the mode of the planned periodic premium payments, or change the policy
to another form of insurance.

NONPARTICIPATING: This rider is nonparticipating.

COST OF INSURANCE DEDUCTIONS AFTER TERMINATION OF THIS RIDER: If, after this
rider has terminated, we make a deduction from the accumulation value for the
cost of insurance for this rider, our only obligation to you under this rider
will be to return the cost of insurance deduction. No coverage is available
after the termination date of this rider.

INCORPORATION OF POLICY PROVISIONS INTO RIDER: The provisions of the policy are
hereby referred to and made a part of this rider unless otherwise specified in
this rider. If the policy has been issued on a gender-neutral basis, this rider
is also considered to be issued on a gender-neutral basis.

This rider has no cash or loan value.

ACACIA NATIONAL LIFE INSURANCE COMPANY

/s/ Robert-John H. Sands /s/ Robert W. Clyde
Secretary President

DBR 8901

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[ACACIA NATIONAL LIFE INSURANCE COMPANY LOGO]

TERM COVERAGE RIDER

BENEFITS

Under the terms of this rider, we agree to pay the Rider Death Benefit to the
beneficiary upon receipt of satisfactory proof of the death of the Insured.
Death must occur while this rider is in force. Payment is subject to the
provisions of the policy and this rider.

CONSIDERATION

This rider is issued in consideration of the application and the payment of its
cost of insurance. A copy of the application is attached to the policy. The cost
of insurance for this rider is deducted from the accumulation value at the same
time and in the same manner as the cost of insurance for the policy.

DEFINITIONS

BENEFICIARY: The term "beneficiary" in this rider means the person named as the
beneficiary under the policy.

INSURED: The term "Insured" in this rider means the person named as the Insured
under the policy.

EFFECTIVE DATE: The effective date of coverage under this rider shall be the
policy date of the policy. The effective date for reinstatement for any
insurance coverage provided by this rider is subject to the reinstatement
provisions of the policy.

EXPIRATION DATE: This date is shown in the schedule pages of the policy. It is
the date on which this rider is no longer effective.

RIDER DEATH BENEFIT: This is the amount of death benefit provided by this rider.
It is the difference between the amount of the Total Death Benefit and the death
benefit provided under the policy. The amount of Rider Death Benefit can change
daily. It may change to zero but it can never be less than zero. In other words,
this rider will remain in effect until you request its termination subject to
the provision Termination of Rider.

RIDER SPECIFIED AMOUNT OF INSURANCE: The Rider Specified Amount of Insurance is
shown in the schedule pages of the policy. You may not increase this amount.
After the first policy year, you may decrease this amount. However, you may not
decrease the Rider Specified Amount of Insurance to less than $50,000.

TOTAL DEATH BENEFIT: The Total Death Benefit depends upon which death benefit
option is in effect. If Option A is in effect, the Total Death Benefit is the
greater of (1) the Total Specified Amount of Insurance, or (2) the Accumulation
Value multiplied by the appropriate death benefit percentage (see the policy
provision on Death Benefit). If Option B is in effect, the Total Death Benefit
is the greater of (1) the Total Specified Amount of Insurance plus the
Accumulation Value, or (2) the Accumulation Value multiplied by the appropriate
death benefit percentage (see the policy provision on Death Benefit)

TCR 8901

TOTAL SPECIFIED AMOUNT OF INSURANCE: This is the specified amount of insurance
provided under the policy plus the Rider Specified Amount of Insurance.

COST OF INSURANCE

The cost of insurance for this rider will be calculated each month. It is equal
to the Rider Death Benefit on the monthly activity date multiplied by the
monthly cost per $1000 of insurance divided by $1000. The Table of Maximum
Annual Term Coverage Rider Cost of Insurance Rates is attached. The cost of
insurance rates will not exceed the rates in this table plus an adjustment for
any increased rating shown in the schedule pages of the policy.

We have the option of charging less than the maximum rates shown in the table.
Each year, the current annual cost of insurance rate will be declared for the
next policy year. This rate will be based on the Insured's issue age, gender,
risk class and the policy duration. The rate will be adjusted for any rating
factor shown in the schedule pages of the policy.

Any change in the current cost of insurance rates will apply to all Insureds of
the same issue age, gender, and risk class and whose policies have been in
effect for the same length of time.

TERMINATION OF RIDER

This rider will automatically terminate on the earliest of these conditions:

1. On the expiration date of this rider.

2. On the monthly activity date on or next following the date we receive your
written request. However, you may not terminate this rider within the first
policy year.

3. On termination of the policy.

GENERAL PROVISIONS

AMENDMENT TO POLICY: Item b. in Section 10.3 "Decreasing the Specified Amount"
of the policy is amended. The specified amount in effect after any decrease may
not be less than $50,000. However, once the Insured reaches attained age 100,
the specified amount in effect after any decrease may not be less than $1,000.

REINSTATEMENT: This rider may be reinstated with the policy if the Insured is
living and application is made within three years from the beginning of any
grace period. Reinstatement must occur before the expiration date of this rider.
The requirements for reinstatement are:

1. Receipt of evidence satisfactory to us of insurability of the Insured.

2. Payment of the minimum cost of insurance sufficient to keep the rider in
force for three months.

SUICIDE: If the Insured commits suicide while sane or insane, within two years
from the effective date of this rider, we will limit the benefits of this rider.
The limited benefits will equal the cost of insurance paid for this rider.

TCR 8901

INCONTESTABILITY: We cannot contest this rider after it has been in force during
the Insured's life for two years from the rider effective date or from any
reinstatement of this rider.

This rider has no cash or loan value.

CONVERSION: This rider is not convertible to a permanent policy of life
insurance.

NON-PARTICIPATING: This rider is non-participating.

ACACIA NATIONAL LIFE INSURANCE COMPANY

/s/ Robert-John H. Sands /s/ Robert W. Clyde
Secretary President

TCR 8901

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TABLE OF MAXIMUM ANNUAL TERM COVERAGE RIDER
COST OF INSURANCE RATES

ATTAINED
AGE MALE RATES FEMALE RATES UNISEX RATES
- -------------------------------------------------------------------------------------------------

18 2.22 1.22 2.02
19 2.32 1.27 2.11
20 2.37 1.31 2.17
21 2.38 1.33 2.18
22 2.36 1.36 2.16
23 2.32 1.38 2.13
24 2.27 1.42 2.11
25 2.21 1.45 2.06
26 2.16 1.48 2.03
27 2.13 1.52 2.01
28 2.12 1.57 2.01
29 2.13 1.62 2.03
30 2.16 1.68 2.06
31 2.22 1.75 2.12
32 2.28 1.81 2.18
33 2.38 1.87 2.28
34 2.50 1.97 2.38
35 2.63 2.06 2.52
36 2.80 2.20 2.67
37 3.00 2.36 2.87
38 3.22 2.55 3.08
39 3.48 2.77 3.35
40 3.77 3.02 3.62
41 4.11 3.30 3.95
42 4.45 3.58 4.27
43 4.83 3.86 4.65
44 5.23 4.15 5.01
45 5.68 4.45 5.43
46 6.15 4.75 5.87
47 6.65 5.06 6.33
48 7.17 5.41 6.81
49 7.76 5.78 7.36
50 8.38 6.20 7.95
51 9.12 6.63 8.62
52 9.95 7.12 9.37
53 10.88 7.68 10.23
54 11.95 8.26 11.20
55 13.08 8.86 12.22
56 14.32 9.46 13.33
57 15.61 10.03 14.47
58 16.98 10.58 15.67
59 18.46 11.17 16.96

(continued)

TCR 8901

TABLE OF MAXIMUM ANNUAL TERM COVERAGE RIDER
COST OF INSURANCE RATES
(continued)

ATTAINED
AGE MALE RATES FEMALE RATES UNISEX RATES
- -------------------------------------------------------------------------------------------------

60 20.10 11.83 18.40
61 21.92 12.66 20.00
62 23.98 13.70 21.83
63 26.32 15.02 23.95
64 28.92 16.56 26.31
65 31.77 18.23 28.88
66 34.81 20.00 31.61
67 38.05 21.78 34.51
68 41.48 23.55 37.53
69 45.21 25.45 40.82
70 49.38 27.63 44.48
71 54.12 30.28 48.68
72 59.56 33.58 53.55
73 65.80 37.63 59.16
74 72.73 42.41 65.46
75 80.23 47.80 72.30
76 88.16 53.71 79.56
77 96.40 60.05 87.12
78 104.87 66.81 94.93
79 113.81 74.18 103.21
80 123.55 82.48 112.28
81 134.35 92.00 122.42
82 146.56 103.00 133.97
83 160.32 115.66 147.06
84 175.31 129.76 161.37
85 191.18 145.12 176.72
86 207.61 161.61 192.71
87 224.43 179.15 209.36
88 241.58 197.72 226.55
89 259.11 217.42 244.42
90 277.21 238.43 263.16
91 296.22 261.08 283.13
92 316.81 286.01 305.16
93 340.13 314.38 330.05
94 369.87 349.13 361.70
95 412.45 396.65 406.11
96 480.68 469.67 476.21
97 600.25 593.71 597.11
98 822.47 819.81 821.72
99 1000.00 1000.00 1000.00

TCR 8901

[ACACIA NATIONAL LIFE INSURANCE COMPANY LOGO]

WAIVER OF MONTHLY DEDUCTIONS ON
DISABILITY

BENEFITS

While the Insured is totally disabled, the monthly deduction will not be
deducted from the accumulation value. During this time, the policy and any
rider(s) will continue to be in force.

Monthly deductions falling due before we approve a claim for benefits will
continue to be deducted from the accumulation value. However, after total
disability has continued for six (6) consecutive months and we approve the
claim, any disability benefit which otherwise could have been paid under the
provisions of this rider will be credited to the accumulation value.

If total disability begins after the grace period, no benefit under this rider
will be paid.

CONSIDERATION

This rider is issued in return for the application and payment of its cost of
insurance. A copy of the application is attached to the policy. The cost of
insurance for this rider is deducted from the accumulation value at the same
time and in the same manner as the cost of insurance for the policy.

COST OF INSURANCE

The calculation of the monthly cost of insurance for this rider is described in
the attached table.

DEFINITIONS

DISABILITY BENEFIT: For purposes of this rider, the disability benefit refers to
the monthly deduction on each monthly activity date for the base policy and any
riders and is equal to:

1. the current cost of insurance for the base policy and any riders;

2. the expense charges; and

3. the charges for specified amount increases, if any.

TOTAL DISABILITY: Total disability must begin after the effective date and
before the expiration date of this rider. It must result from bodily injury
which occurs or sickness which first manifests itself while this rider is in
force.

Total Disability means:

1. Total loss of the sight of both eyes. This loss must be irrecoverable; or

2. Total loss of the use of both hands, both feet, or one hand and one foot.
This loss must be irrecoverable; or

WDIS 8901

3. The incapacity of the Insured to engage in any substantial duties of his or
her occupation for at least six consecutive months. (Substantial duties
includes managerial or supervisory functions.)

During the first 24 months of total disability, occupation means the usual
work, employment, business or profession in which the Insured was engaged
immediately before the date of disability. This includes attendance at
school or college as a full-time student. After 24 months of total
disability, an Insured who is engaged in any occupation for remuneration or
profit will not be considered totally disabled.

EFFECTIVE DATE: The effective date of coverage under this rider shall be as
follows:

1. The policy date shall be the effective date for all coverage provided in
the original application.

2. For any rider issued after the policy date, the effective date shall be the
date shown on a supplement to the schedule pages of the policy.

3. For any insurance that has been reinstated, the effective date shall be the
monthly activity date on or next following the date we approve the
reinstatement.

EXPIRATION DATE: This date is also shown in the schedule pages of the policy. It
is the date on which this rider is no longer effective.

GENERAL PROVISIONS

If such notice is not furnished in the required time limit, the claim will not
be accepted. But a late claim will be accepted if it can be shown that it was
not reasonably possible to meet the requirements and that notice was given as
soon as was reasonably possible. In no event, however, will the Insured receive
any benefit under this rider for a period beyond one year before the date on
which notice was received.

PROOF OF TOTAL DISABILITY: The disability benefit will commence once we receive
satisfactory written proof that the Insured is totally disabled. Proof must be
presented at the Home Office: (a) while the Insured is living; (b) before total
disability has ended or been interrupted; and (c) within 12 months after we
receive the notice of total disability. Forms approved by us must be used.

DURATION OF BENEFITS: We will begin to provide the disability benefit in the
policy month following the date disability began. However, we will not provide
the disability benefit for a period of more than 12 months before we receive
written notice of disability unless it is shown that notice was given as soon as
reasonably possible.

WDIS 8901

We will continue to provide the disability benefit while the Insured is totally
disabled until the rider anniversary following the Insured's 100th birthday.
However, if disability begins on or after the rider anniversary following the
Insured's 60th birthday, we will only provide the disability benefit:

1. Until the rider anniversary following the Insured's 65th birthday, or

2. For two years, if later.

INCONTESTABILITY: While the Insured is alive, the validity of this rider cannot
be contested after it has been in force for a period of 2 years from the
effective date of this rider.

REINSTATEMENT: Coverage under this rider may be reinstated with the policy
subject to the policy reinstatement provision. Reinstatement must occur before
the expiration date of this rider. Such reinstatement may occur any time before
the policy anniversary nearest the Insured's 65th birthday. The requirements for
reinstatement are:

1. Receipt of satisfactory evidence of insurability.

2. Payment of the minimum cost of insurance sufficient to keep this rider in
force for 3 months.

EXCLUSIONS: The Insured will not be eligible for the disability benefit if the
total disability on which the claim is based results from:

1. Self-inflicted bodily injury while sane or insane, other than accidental
injury; or

2. War or any act of war, whether declared or not, regardless of whether the
Insured is in the military, naval or air service.

TERMINATION OF RIDER: This rider will automatically terminate on the earliest of
these conditions:

1. On the expiration date of this rider;

2. On the monthly activity date on or next following the date we receive your
written request;

3. On surrender of the rider to us; or

4. On termination of the policy.

TERM RIDERS: If a renewable and convertible term rider is attached to the policy
during a benefit period, the cost of insurance for that rider will be waived
until the expiration date. If the Owner elects to convert that term rider, no
benefits will be paid under this rider on the conversion policy.

WDIS 8901

NONPARTICIPATING: This rider is nonparticipating.

INCORPORATION OF POLICY PROVISIONS INTO RIDER: The provisions of the policy are
hereby referred to and made a part of this rider. If the policy has been issued
on a gender-neutral basis, this rider is also considered to be issued on a
gender-neutral basis.

ACACIA NATIONAL LIFE INSURANCE COMPANY

/s/ Robert-John H. Sands /s/ Robert W. Clyde
Secretary President

WDIS 8901
15

COST OF INSURANCE TABLE

On each monthly activity date, the monthly cost of insurance for this rider is
equal to the product of A times B where:

A is a factor based on the attained age and gender of the Insured and is
shown in the table below. (Note: If this rider is issued with a special
rating, this factor will be increased based on that rating. Any special
rating will be shown in the schedule pages of the policy).

B is the monthly deduction for the policy, including any table ratings and
any riders attached to the policy except for this rider.

ISSUE MALE FEMALE UNISEX ISSUE MALE FEMALE UNISEX
AGE RATES RATES RATES AGE RATES RATES RATES
- ----------------------------------------------------------------------------------------------------------

18 0.0434 0.0554 0.0458 42 0.0708 0.0691 0.0705
19 0.0422 0.0543 0.0446 43 0.0735 0.0716 0.0731
20 0.0413 0.0530 0.0436 44 0.0765 0.0742 0.0760
21 0.0403 0.0516 0.0426 45 0.0794 0.0770 0.0789
22 0.0419 0.0526 0.0440 46 0.0825 0.0801 0.0820
23 0.0427 0.0528 0.0447 47 0.0866 0.0838 0.0860
24 0.0437 0.0523 0.0454 48 0.0915 0.0881 0.0908
25 0.0448 0.0525 0.0463 49 0.0974 0.0935 0.0966
26 0.0458 0.0521 0.0471 50 0.1054 0.1000 0.1043
27 0.0466 0.0521 0.0477 51 0.1148 0.1082 0.1135
28 0.0475 0.0518 0.0484 52 0.1266 0.1187 0.1250
29 0.0481 0.0517 0.0488 53 0.1405 0.1305 0.1385
30 0.0487 0.0514 0.0492 54 0.1579 0.1465 0.1556
31 0.0489 0.0513 0.0494 55 0.1778 0.1649 0.1752
32 0.0492 0.0512 0.0496 56 0.2034 0.1896 0.2006
33 0.0492 0.0512 0.0496 57 0.2234 0.2106 0.2208
34 0.0492 0.0506 0.0495 58 0.2460 0.2362 0.2440
35 0.0492 0.0509 0.0495 59 0.2684 0.2633 0.2674
36 0.0507 0.0524 0.0510 60 0.2684 0.2633 0.2674
37 0.0562 0.0573 0.0564 61 0.2684 0.2633 0.2674
38 0.0593 0.0600 0.0594 62 0.2684 0.2633 0.2674
39 0.0624 0.0627 0.0625 63 0.2684 0.2633 0.2674
40 0.0655 0.0652 0.0654 64 0.2684 0.2633 0.2674
41 0.0679 0.0670 0.0677
- ----------------------------------------------------------------------------------------------------------

WDIS 8901

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