CREDIT ENHANCEMENT ENDORSEMENT


[MINNESOTA LIFE LETTERHEAD]


This endorsement is attached to and made part of this contract as of the
Contract Date.  Terms not defined in this endorsement have the meaning given to
them in the contract.

When you make a Purchase Payment to your contract, we will add an amount, called
a Credit Enhancement, to your Contract Value if your cumulative net Purchase
Payments meet or exceed $250,000.  Cumulative net Purchase Payments are the
total of all Purchase Payments we have received for this contract less any prior
withdrawals from Contract Value (including associated charges).  No Credit
Enhancement will be applied if your cumulative net Purchase Payments are less
than $250,000.

CALCULATION OF CREDIT ENHANCEMENT
When we receive a Purchase Payment, we will evaluate whether your contract is
eligible for a Credit Enhancement based on your cumulative net Purchase
Payments, according to the following schedule:




CUMULATIVE NET PURCHASE PAYMENTS                CREDIT ENHANCEMENT PERCENTAGE
--------------------------------                -----------------------------
                                             
   $250,000 - $499,999.99                                       0.25%
   $500,000 - $749,999.99                                       0.50%
   $750,000 - $999,999.99                                       0.75%
     $1,000,000 or more                                         1.00%




The amount of the Credit Enhancement will be calculated as follows:
   (a) cumulative net Purchase Payments; multiplied by
   (b) the applicable Credit Enhancement percentage from the table above; minus
   (c) any Credit Enhancements previously applied to Contract Value

The Credit Enhancement will be added to your Contract Value and allocated to the
Sub-Accounts of the Variable Account, the General Account, and the Guaranteed
Term Account options in the same proportion as the Purchase Payment that
triggers the Credit Enhancement calculation.  Credit Enhancements, and any gains
or losses attributable to the Credit Enhancements are not a Purchase Payment and
will be considered earnings under the contract.

RECAPTURE OF CREDIT ENHANCEMENTS
Recapture is a reimbursement to us of the Credit Enhancements we added to your
contract.  We will take back, or Recapture, all Credit Enhancements if you elect
to terminate the contract under the Right to Examine provision.  In addition, we
will Recapture any Credit Enhancements applied to your contract within 12 months
of the date any amounts are paid out as a death benefit or within 12 months of
the date you apply amounts to provide Annuity Payments.

We will not Recapture any amounts paid out as a death benefit or applied to
provide Annuity Payments more than 12 months after the last Credit Enhancement
was added to the contract.




Dennis E. Prohofsky                                            Robert L. Senkler

Secretary                                                              President