Amendment to Participation Agreement
              Franklin Templeton Variable Insurance Products Trust
                      Franklin Templeton Distributors, Inc.
                          SAFECO Life Insurance Company

The participation agreement, dated as of May 1, 2000, by and among Franklin
Templeton Variable Insurance Products Trust, Franklin Templeton Distributors,
Inc. and SAFECO Life Insurance Company (the "Agreement") is hereby amended as
follows:

         Section 4.4 of the Agreement is deleted in its entirety and replaced
with the following provision:

                  4.4 At your option, we shall provide you, at our expense, with
         either: (i) for each Contract owner who is invested through the Account
         in a subaccount corresponding to a Portfolio ("designated subaccount"),
         one copy of each of the following documents on each occasion that such
         document is required by law or regulation to be delivered to such
         Contract owner who is invested in a designated subaccount: the Trust's
         current prospectus, annual report, semi-annual report and other
         shareholder communications, including any amendments or supplements to
         any of the foregoing, pertaining specifically to the Portfolios
         ("Designated Portfolio Documents"); or (ii) a camera ready copy of such
         Designated Portfolio Documents in a form suitable for printing and from
         which information relating to series of the Trust other than the
         Portfolios has been deleted to the extent practicable. In connection
         with clause (ii) of this paragraph, we will pay for proportional
         printing costs for such Designated Portfolio Documents in order to
         provide one copy for each Contract owner who is invested in a
         designated subaccount on each occasion that such document is required
         by law or regulation to be delivered to such Contract owner, and
         provided the appropriate documentation is provided and approved by us.
         We shall provide you with a copy of the Trust's current statement of
         additional information, including any amendments or supplements, in a
         form suitable for you to duplicate. The expenses of furnishing,
         including mailing, to Contract owners the documents referred to in this
         paragraph shall be borne by you. For each of the documents provided to
         you in accordance with clause (i) of this paragraph 4.4, we shall
         provide you, upon your request and at your expense, additional copies.
         In no event shall we be responsible for the costs of printing or
         delivery of Designated Portfolio Documents to potential or new Contract
         owners or the delivery of Designated Portfolio Documents to existing
         contract owners.

All other terms and provisions of the Agreement not amended herein shall remain
in full force and effect.

Effective Date as of May 1, 2000.
          

Franklin Templeton Variable Insurance Products Trust                  Franklin Templeton Distributors, Inc.
----------------------------------------------------                  -------------------------------------


By: __/s/ Karen L. Skidmore____________                               By: _/s/ Phil Kearns________
    -----------------------------------                                    ---------------
Name:  Karen L. Skidmore                                              Name:    Phil Kearns
Title:   Assistant Vice President                                     Title:   Vice President

SAFECO Life Insurance Company


By: __/s/ Scott Bartholomaus_______________
      ----------------------
Name:  Scott Bartholomaus
Title:    Vice President