Exhibit 1.A.(5)(d)

                    Dollar Cost Averaging Endorsement (ESI02)





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                   WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO

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                                   ENDORSEMENT

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This Endorsement is made a part of the Policy to which it is attached.


 DOLLAR COST        We will automatically transfer pre-determined amounts from
 AVERAGING          the designated Account to any other Subaccount in accordance
                    with the Owner's current allocation instructions. The
                    transfers will be made on a monthly basis and under the
                    following conditions:

                    1.  We must receive proper written election of this option
                        on a form provided by Us;
                    2.  The entire Initial Premium must be allocated to the
                        designated Dollar Cost Averaging Account;
                    3.  No less than the designated amount for this option on
                        the date Dollar Cost Averaging begins may be transferred
                        each month.

                    The first transfer will occur on the Monthiversary following
                    the Policy Date. Each transfer which occurs under the Dollar
                    Cost Averaging option will be without charge and will not be
                    counted toward the number of transfers allowed without
                    charge under the Policy.

                    Dollar Cost Averaging will terminate if We receive:

                    1.  Written instruction from the Owner for cancellation;
                    2.  Election to participate in any Asset Rebalancing
                        Program; or
                    3.  Notification of election to participate in any asset
                        allocation service provided by a third party.

                    We reserve the right to discontinue, modify or suspend
                    Dollar Cost Averaging at any time following prior written
                    notification to all policyowners.

Except as otherwise set forth above, this Endorsement is subject to the
exclusions, definitions and provisions of the Policy.

Signed for Us at Our Office in Clearwater, Florida.

   /s/ WILLIAM H. GEIGER                          /s/ JOHN R. KENNEY
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           Secretary                                      President