EXHIBIT A.(5)(d)

Inflation Agreement
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This Agreement is a part of the policy to which it is attached and is subject to
all of its terms and conditions.

What does this agreement provide?

Every three years while this agreement is in force, we will increase the face
amount of your policy without evidence of insurability based on increases in the
cost of living, as measured by increases in the Consumer Price Index (CPI). Your
premium will also increase as described below.

What will the amount of the increase be?

The increase in the face amount of your policy will be the lesser of:

    (1) two times the increase in the CPI during the previous three years, or

    (2) $100,000.

The increase will be rounded to the next higher $500 of face amount.

If we are waiving the premiums on this policy because the insured is totally
disabled, the maximum increase will be $50,000.

How is the increase in the cost of living determined?

We use the Consumer Price Index published by the United States Department of
Labor for all urban households. If the composition, base, or method of
computation of the Consumer Price Index is altered in any way which, in our
opinion, makes the Index inappropriate for this agreement, or if the publication
of the Index is discontinued or delayed, we have the right to choose what we
believe to be an appropriate standard, published or unpublished, as a substitute
for the Consumer Price Index.

How do we calculate the increase in the CPI?

We calculate the increase in the CPI using the following formula:

CPI 5
months before the date of
the cost of living increase -1.00
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CPI 41
months before the date of
the cost of living increase

When may the face amount be increased?

On the third policy anniversary and every third policy anniversary thereafter
while this agreement is in force, we will determine whether your policy is
eligible for a cost of living increase. We will increase the face amount of your
policy if the following conditions are met:


99-916 Inflation Growth Agreement                       Minnesota Life


  (1) there has been an increase in the CPI, and

  (2) an annual premium for the basic policy of at least $300 has been paid
      during each of the three years immediately preceding the policy
      anniversary.

The increase in the face amount will be effective as of the policy anniversary.

What will be the cost of the increase?

When we increase the face amount of this policy, the annual premium for this
policy will also be increased by the same percent as the face amount increases.

The change in face amount and premium will be made by adjusting your policy and
issuing a new page 1.

Are there any limitations?

Yes. Any adjustments will be subject to the Policy Adjustment provisions of your
policy. If the premium increase does not satisfy the adjustment limitations, we
will adjust the premium so that it satisfies those requirements.

Is evidence of insurability required?

No.

Do you have to accept an increase?

No, you may refuse any increase. If you refuse any increase before the insured
has attained age 21, no increase will be offered until the insured attains age
21. If you refuse any increase after the insured has attained age 21, this
agreement will terminate and no further increases will be offered under this
agreement.

What is the cost for this agreement?

The annual premium for this agreement is shown on page 1. If this agreement
terminates, the total annual premium for this policy will be reduced by the
amount shown.

When does this agreement become incontestable?

Except for the nonpayment of premium, this agreement will be incontestable after
it has been in force during the insured's lifetime for two years from the
effective date of this agreement.

When does this agreement terminate?

This agreement will terminate on:
   (1) the policy anniversary nearest the insured's 56th birthday; or

   (2) the date any premium due for this policy remains unpaid at the end of the
       grace period; or

   (3) the date this policy is continued as extended term insurance; or


   (4) the date this policy is surrendered or terminated; or

   (5) the date we receive your written request to cancel this agreement; or

   (6) the date you refuse an increase in the face amount offered under this
       agreement, except if the insured has not attained age 21 on that date; or

   (7) the date of the death of the insured.

This agreement is effective as of the original policy date of this policy unless
a different effective date is shown here.

/s/ Robert L. Senkler                  /s/ Dennis E. Prohofsky
President                              Secretary