Exhibit 1.A.(5)(c)

                 Guaranteed Minimum Death Benefit Rider (GDB01)




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                   WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO

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                     GUARANTEED MINIMUM DEATH BENEFIT RIDER

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IN THIS RIDER, the Insured will be referred to as YOU or YOUR. If issued to
Joint Insureds, YOU or YOUR refers to the younger Joint Insured covered under
the Policy. Western Reserve Life Assurance Co. of Ohio will be referred to as
WE, OUR or US.

GENERAL           This Rider is part of the Policy. It is subject to all the
                  terms of this Rider and the Policy. This Rider has no Cash
                  Value.

BENEFIT           If the Net Surrender Value on any Monthiversary is not
                  sufficient to cover the monthly deductions on such day, then
                  coverage will be provided as indicated below, and no grace
                  period will begin, provided no policy loans have been taken
                  under the Policy.

                  If a death benefit is payable due to the provisions of this
                  Rider, then the following minimum death benefit is applicable:

                  During the first fifteen policy years, or before the
                  Anniversary next following Your 75th birthday, if sooner, the
                  minimum death benefit payable will be as provided in the Death
                  Benefit Provisions of the Policy to which this Rider is
                  attached.

                  After the first fifteen policy years, or on or after the
                  Anniversary next following Your 75th birthday, if sooner, the
                  minimum death benefit payable will be the Initial Premium,
                  reduced by any partial withdrawals.

                  However, in no event will this minimum death benefit ever be
                  less than $1,000.

CONSIDERATION     This Rider is issued in consideration of:

                  1.   the application for this Rider; and
                  2.   payment of the Initial Premium.

INCONTESTABILITY  This Rider shall be incontestable after it has been In Force
                  while You are still alive, for two years after the effective
                  date of this Rider.

SUICIDE           This Rider is issued on the same date as the Policy and the
                  Suicide Provision of the Policy is applicable to this Rider.






TERMINATION       This Rider will terminate on the earliest of:

                  1.    the date the Policy terminates;
                  2.    the date any policy loan is taken under the Policy;
                  3.    the  Monthiversary on which this Rider is terminated by
                        written request from the Owner.

MONTHLY CHARGE    On the Policy Date and each Monthiversary thereafter, a
                  monthly charge will be deducted from the Policy Cash Value for
                  this Rider. The monthly charge will be equal to:

                  1.    0.02% multiplied by the sum of the Subaccount Values, if
                        any, on the Valuation Date of each Monthiversary; plus
                  2.    0.02% multiplied by the Fixed Account value on the
                        Valuation Date of each monthly deduction.

EFFECTIVE DATE    This Rider is effective as of the Policy Date.


                   WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO


                             /s/ WILLIAM H. GEIGER
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                                    Secretary