Exhibit 1.A.5(o)

                         ADJUSTABLE TERM INSURANCE RIDER

This rider is a part of the policy to which it is attached if this rider is
shown in the Schedule. This rider must be read with all policy provisions. This
rider does not participate in our surplus earnings. The insureds under this
rider are Insured #1 and Insured #2 listed in the Schedule. This rider has no
loan value. There is no surrender charge applicable to this rider. The rider
effective date is the policy date or, if added later, the monthly processing
date on or next following the date your application for this rider is approved
by us. The owner of the policy is the owner of this rider.

THE DEATH BENEFIT. Subject to this rider's terms, we will pay the term death
benefit in force on the date of the second death of the two insureds. This
benefit is payable to the beneficiary.

The amount of term death benefit is the difference between the total death
benefit and the base death benefit provided by the policy. Total death benefit
depends on which death benefit option is in effect.

     Option 1: If option 1 is in effect, the total death benefit is the greater
        of
                a) The target death benefit; or
                b) The account value multiplied by the appropriate factor from
                   the Death Benefit Factors shown in the Schedule.

     Option 2: If option 2 is in effect, the total death benefit is the greater
        of:
                a) The target death benefit plus the account value; or
                b) The account value multiplied by the appropriate factor from
                   the Death Benefit Factors shown in the Schedule.

In no event will the term death benefit be less than zero. It is also not
increased or decreased by policy loan activity.

In your application for this rider you may request a pattern of increasing or
decreasing target death benefits. The actual target death benefit is subject to
our approval.

The target death benefit is shown in the Schedule attached to your policy. It
may be a constant amount or it may change at the beginning of a policy year. The
target death benefit may be reduced if there is a partial withdrawal.

If a partial withdrawal reduces the stated death benefit, the target death
benefit for the current year and all future years will be reduced by an amount
equal to the reduction in the stated death benefit. You will receive a new
Schedule reflecting the new target death benefit. See your policy for details.
The stated death benefit is defined in your policy.

Any requested decrease in the stated death benefit in the policy will eliminate
any future scheduled increases in the target death benefit. We may choose not to
eliminate these increases upon submission of evidence satisfactory to us that
the insureds are still insurable according to our normal rules of underwriting
for their current premium classes.

COST OF INSURANCE. The cost of insurance for this rider is determined on a
monthly basis. The cost is added to the policy's monthly deduction from the
account value as of each monthly processing date until this rider terminates.
The cost of insurance rates will be determined by us from time to time. They
will be based on the issue ages, genders and premium classes of the insureds as
well as the duration since the rider effective date. The cost of insurance for
this rider is calculated as the monthly cost of insurance rate multiplied by the
death benefit (in thousands) for this rider. The monthly guaranteed maximum cost
of insurance rates per $1,000 for this rider are shown in the Schedule on the
applicable table of guaranteed rates attached to your policy.

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INCONTESTABILITY. After this rider has been in force while both insureds are
alive for two years from the rider effective date, we will not contest the
statements in the application for this rider attached at the time the rider is
issued.

After this rider has been in force while both insureds are alive for two years
from the effective date of any increase in the amount of insurance, we will not
contest the statements in the application for the increase.

After this rider has been in force while both insureds are alive for two years
from the effective date of any reinstatement of this rider, we will not contest
the statements in the application for such reinstatement of this rider.

SUICIDE EXCLUSION. If the policy terminates for suicide, this rider will then
terminate without value.

If either insured commits suicide, while sane or insane, within two years of the
rider effective date and the policy is not terminated due to this suicide, we
will terminate this rider and make a limited payment to the beneficiary for the
rider. We will pay in one sum the amount of the cost of insurance for this rider
which was deducted from the policy.

If either insured commits suicide, while sane or insane, within two years of the
effective date of an increase and the policy is not terminated due to this
suicide, we will terminate the increase and pay the cost of insurance associated
with the increase.

MISSTATEMENT OF AGE OR GENDER. If either insured's age or gender has been
misstated, the death benefit will be adjusted. The death benefit will be that
which the cost of insurance which was deducted from the policy value on the last
monthly processing date prior to the second death would have purchased for the
insured's correct age or gender. If the death benefit adjustment is made prior
to the second death, the adjusted benefit will be to an equitable amount
determined by us. The adjustment will reflect the death benefit for the correct
age or gender.

CHANGE IN AMOUNT OF COVERAGE. On any policy anniversary after the first rider
anniversary, the target death benefit under this rider may be changed. The
target death benefit may be increased or decreased by sending a written request
to our Customer Service Center. Any request for increased death benefits will
automatically be an increase to the stated death benefit as well as to the
target death benefit unless you specifically request an increase only to the
target death benefit. You may increase or decrease the target death benefit only
once each policy year. You may not increase insurance coverage provided by this
rider after attained joint equivalent age 85. Any change in coverage may not be
for an amount less than $1,000. Such change is subject to the following
conditions:

a)    Any requested decrease in target death benefit is subject to our approval.
      Our approval may be conditioned on eliminating any future increases to the
      target death benefit that are shown in the Schedule.
b)    Any request for an increase must be applied for on a supplemental
      application. The increase is subject to evidence satisfactory to us that
      the insureds are still insurable according to our normal rules of
      underwriting for their current premium classes for this type of rider. If
      there is no change in premium class, the increase will be processed.

c)    For any increase or addition to coverage, the effective date will be the
      monthly processing date that falls on or next follows the date the
      supplemental application is approved by us. For any decrease in coverage,
      the effective date will be the monthly processing date that falls on or
      next follows receipt of the written request to reduce coverage.



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d)    Any decrease in the total death benefit will first reduce adjustable term
      insurance before stated death benefit is reduced.

For any change in coverage, a supplemental Schedule will be issued.

TERMINATION.  This rider will terminate on the earliest of the following dates:

a)    Expiration of the grace period of the policy.
b)    Termination or surrender of the policy.
c)    Receipt by us of a written request from you to cancel this rider on any
      monthly processing date.
d)    Policy anniversary nearest the younger insured's 100th birth date.
e)    When your policy is kept in force under the Guaranteed Minimum Death
      Benefit option.

Any deduction for the cost of insurance after termination of this rider will not
be considered a reinstatement of this rider nor a waiver by us of the
termination. Any such deduction will be credited to the account value of the
policy as of the date of the deduction.

REINSTATEMENT. If you reinstate your policy under the Reinstatement provision in
the policy, this rider will be reinstated.

Signed for the company at Denver, Colorado

SOUTHLAND LIFE INSURANCE COMPANY

/s/ Gary W. Waggoner

SECRETARY














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