5% ACCUMULATION DEATH BENEFIT RIDER


The "Death Benefits Before Annuitization" provision of the annuity contract to
which this rider is attached is hereby deleted and replaced with the
following.

DEATH BENEFITS BEFORE ANNUITIZATION
A death benefit is payable to the beneficiary upon the earlier death of you or
the annuitant while this contract is in force and prior to annuitization.

As of the date we receive due proof of death, we will pay the beneficiary the
greatest of the following amounts less any applicable purchase payment credits
that have not vested:

1.   the contract value; or

2.   the "Return of Payment Value"; or

3.   the Variable Account 5% Floor.

RETURN OF PAYMENT VALUE (ROP) DEFINITION
The ROP is the total purchase payments and any applicable purchase payment
credits made to the contract, minus "adjustments for partial withdrawals".

ADJUSTMENTS FOR PARTIAL WITHDRAWALS DEFINITION
"Adjustments for partial withdrawals" are calculated for each partial
withdrawal using the following formula:

                  A  X  B       where:
                  -------
                     C

A    = the partial withdrawal including any applicable withdrawal charge

B    = the ROP on the date of (but prior to) the partial withdrawal

C    = the contract value on the date of (but prior to) the partial
       withdrawal.

VARIABLE ACCOUNT 5% FLOOR DEFINITION
Prior to the earlier of your or the annuitant's 81st birthday, the Variable
Account 5% Floor is equal to the sum of:

1.   any value in the One-Year Fixed Account, if applicable; and

2.   any value in any Guaranteed Period Account (GPA); and

3.   the variable account floor.

VARIABLE ACCOUNT FLOOR DEFINITION
The variable account floor is zero prior to the first contract anniversary
after the effective date of this rider.

On your first contract anniversary after the effective date of this rider, the
variable account floor is established by:

1.   accumulating your initial purchase payment and any applicable purchase
     payment credits allocated to the variable subaccounts and the DCA Fixed
     Account at 5% if this rider was effective on the contract date;

     or

     accumulating your prior contract anniversary's contract value that was
     allocated to the variable subaccounts and the DCA Fixed Account at 5%, if
     this rider was effective on a contract anniversary;

     and then

2.   adding any other purchase payment and any applicable purchase payment
     credits you allocated to the variable subaccounts and the DCA Fixed
     Account during the prior contract year; and then

3.   subtracting any "adjusted withdrawals" or "adjusted transfers" you made
     from the variable subaccounts or the DCA Fixed Account during the prior
     contract year.

On any subsequent day that you allocate additional purchase payment and any
applicable purchase payment credits to or withdraw or transfer amounts from
the variable subaccounts or the DCA Fixed Account, we adjust the floor by
adding the additional purchase payment and any applicable purchase payment
credits and subtracting the "adjusted withdrawals" or "adjusted transfers."

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The amount of purchase payment and purchase payment credits (if applicable)
withdrawn from or transferred from any subaccount or fixed account (if
applicable) or GPA account is calculated as (a) times (b) where:

(a)  is the amount of purchase payment and purchase payment credits (if
     applicable) in the account or subaccount on the date of but prior to the
     current withdrawal or transfer; and

(b)  is the ratio of the amount transferred or withdrawn from the account or
     subaccount to the value in the account or subaccount on the date of (but
     prior to) the current withdrawal or transfer.

On each subsequent contract anniversary prior to the earlier of your or the
annuitant's 81st birthday, and prior to the earlier of your or the annuitant's
death, we increase the variable account floor by an amount equal to 5% of the
prior contract anniversary's variable account floor.

We no longer annually increase the variable account floor at 5% after the
earlier of your or the annuitant's 81st birthday, or the earlier of your or
the annuitant's death.

ADJUSTED WITHDRAWALS, ADJUSTED TRANSFERS DEFINITION
We calculate "adjusted withdrawals" or "adjusted transfers" (used in
determining the variable account floor described above) as the result of X
times Y where:

X  = the ratio of the amount of withdrawal (including any withdrawal
     charges) or transfer from the variable subaccounts and the DCA Fixed
     Account to the total in the variable subaccounts and the DCA Fixed
     Account on the date of (but prior to) the withdrawal or transfer

Y  = the variable account floor on the date of (but prior to) the withdrawal
     or transfer.

Any amounts payable or applied by us as described in the contract will be
based on the contract values as of the valuation date on or next following the
date on which due proof of death is received at our administrative office. Due
proof of death includes all documents needed to complete the beneficiary's
claim.

This Rider is effective as of the contract date of this contract unless a
different date is shown here.

AMERICAN ENTERPRISE LIFE INSURANCE COMPANY



/s/ Paul R. Johnston

    Secretary



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