HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

HARTFORD, CONNECTICUT 06104-2999

(A STOCK INSURANCE COMPANY)

(THE "COMPANY")

NATIONAL SERVICE CENTER ADDRESS:

P.O. BOX 59179

MINNEAPOLIS, MINNESOTA 55459

Will pay the Death Proceeds to the Beneficiary, upon receipt at Our National

Service Center in Minneapolis, Minnesota, of due proof of the Insured's death

while the Policy was in force.

Signed for the Company

/s/ LYNDA GODKIN /s/ LOWNDES A. SMITH

Lynda Godkin, SECRETARY Lowndes A. Smith, PRESIDENT

READ YOUR POLICY CAREFULLY

This is a legal contract between You and Us

RIGHT TO EXAMINE POLICY

WE WANT YOU TO BE SATISFIED WITH THE POLICY YOU HAVE PURCHASED. WE URGE YOU

TO EXAMINE IT CLOSELY. IF, FOR ANY REASON YOU ARE NOT SATISFIED, YOU MAY

DELIVER OR MAIL THE POLICY TO US OR TO THE AGENT FROM WHOM IT WAS PURCHASED

ANYTIME DURING YOUR FREE LOOK PERIOD. YOUR FREE LOOK PERIOD BEGINS ON THE

DAY YOU GET YOUR POLICY AND ENDS TEN DAYS AFTER YOU GET IT. IN SUCH AN

EVENT, THE POLICY WILL BE RESCINDED AND WE WILL PAY AN AMOUNT EQUAL TO THE

GREATER OF THE PREMIUMS PAID FOR THE POLICY LESS ANY INDEBTEDNESS OR THE SUM

OF: I) THE ACCOUNT VALUE LESS ANY INDEBTEDNESS, ON THE DATE THE RETURNED

POLICY IS RECEIVED BY US OR TO THE AGENT FROM WHOM IT WAS PURCHASED; AND, II)

ANY DEDUCTIONS UNDER THE POLICY OR CHARGES ASSOCIATED WITH THE SEPARATE

ACCOUNT.

CASH SURRENDER VALUE PAYABLE ON THE SCHEDULED MATURITY DATE,

UNLESS EXTENDED BY ELECTION OF OWNER

DEATH PROCEEDS PAYABLE AT DEATH

ADJUSTABLE DEATH BENEFIT

PREMIUMS PAYABLE AS SHOWN ON PAGE 3

NON-PARTICIPATING

THE PORTIONS OF THE ACCOUNT VALUES PROVIDED BY THIS CONTRACT THAT ARE IN THE

SUB-ACCOUNTS ARE BASED ON THE INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT.

THEY ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THE AMOUNT

OF THE DEATH BENEFIT MAY BE FIXED OR VARIABLE DEPENDING ON THE INVESTMENT

EXPERIENCE OF THAT SEPARATE ACCOUNT. THE NO LAPSE GUARANTEE IS SUBJECT TO

THE CONDITIONS DESCRIBED ON PAGE 14.

FLEXIBLE PREMIUM

VARIABLE LIFE INSURANCE POLICY

LA-1154(99) Printed in U.S.A.

TABLE OF CONTENTS

PAGE

Policy Specifications 3

Definitions 5

Death Benefit 7

Increases and Decreases in Face Amount 8

Premiums 8

Valuation Provisions 10

Account Value, Cash Value

and Cash Surrender Value 11

Transfers 12

Monthly Deduction Amount 12

Lapse and Policy Grace Period 13

Reinstatement 15

Policy Loans 15

Withdrawals 16

Surrenders 16

Payments By Us 17

Taxation of The Separate Account 17

The Contract 17

Ownership and Beneficiary 19

Termination and Maturity Date 20

Income Settlement Options 21

Any Riders follow page 22

LA-1154(99) Page 2 Printed in U.S.A.

HARTFORD LIFE AND ANNUITY INSURANCE COMPANY

HARTFORD, CONNECTICUT 06104-2999

(A STOCK INSURANCE COMPANY)

(THE "COMPANY")

NATIONAL SERVICE CENTER ADDRESS:

P.O. BOX 59179

MINNEAPOLIS, MINNESOTA 55459

CASH SURRENDER VALUE PAYABLE ON THE SCHEDULED MATURITY DATE,

UNLESS EXTENDED BY ELECTION OF OWNER

DEATH PROCEEDS PAYABLE AT DEATH OF INSURED

ADJUSTABLE DEATH BENEFIT

PREMIUMS PAYABLE AS SHOWN ON PAGE 3

NON-PARTICIPATING

THE PORTIONS OF THE ACCOUNT VALUES PROVIDED BY THIS CONTRACT THAT ARE IN THE

SUB-ACCOUNTS ARE BASED ON THE INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT.

THEY ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. THE AMOUNT

OF THE DEATH BENEFIT MAY BE FIXED OR VARIABLE DEPENDING ON THE INVESTMENT

EXPERIENCE OF THAT SEPARATE ACCOUNT. THE NO LAPSE GUARANTEE IS SUBJECT TO

THE CONDITIONS DESCRIBED ON PAGE 14.

FLEXIBLE PREMIUM

VARIABLE LIFE INSURANCE POLICY

LA-1154(99) Printed in U.S.A.

POLICY SPECIFICATIONS

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BASE POLICY INFORMATION

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POLICY: FLEXIBLE PREMIUM VARIABLE LIFE

POLICY NUMBER: VL00001

INSURED: JOHN DOE

ISSUE AGE/SEX: 35, MALE

INSURANCE CLASS: PREFERRED/NON-NICOTINE

OWNER: JOHN DOE

BENEFICIARY: JANE DOE

INITIAL PLANNED PREMIUM: $1,000.00

PAYMENT FREQUENCY: ANNUAL

INITIAL FACE AMOUNT: $100,000

DEATH BENEFIT OPTION: A (LEVEL OPTION)

DEATH BENEFIT OPTION C LIMIT: NOT APPLICABLE

NO LAPSE GUARANTEE PERIOD: JANUARY 1, 1999 - DECEMBER 31, 2008

MONTHLY NO LAPSE

GUARANTEE PREMIUM: $47.44

POLICY DATE: JANUARY 1, 1999

DATE OF ISSUE: JANUARY 1, 1999

SCHEDULED MATURITY DATE: JANUARY 1, 2064*

ANNUAL FIXED ACCOUNT

MINIMUM CREDITED RATE: 3.5%

SEPARATE ACCOUNT: [VARIABLE LIFE I]

INITIAL PREMIUM ALLOCATION: [HARTFORD MONEY MARKET FUND]

* IT IS POSSIBLE THAT COVERAGE WILL EXPIRE PRIOR TO THE SCHEDULED MATURITY

DATE SHOWN WHERE PREMIUMS AND INVESTMENT EXPERIENCE ARE INSUFFICIENT TO

CONTINUE COVERAGE TO SUCH DATE. COVERAGE MAY ALSO BE AFFECTED BY CHANGES IN

THE MONTHLY DEDUCTION AMOUNT.

LA-1154(99) Page 3 Printed in U.S.A.

POLICY NUMBER: VL0000001

POLICY SPECIFICATIONS

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ADDITIONAL BENEFITS AND RIDERS

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TERM RIDER

DESIGNATED INSURED: MARY DOE

ISSUE AGE/SEX: 35/FEMALE

INSURANCE CLASS: PREFERRED/NON-NICOTINE

TERM INSURANCE AMOUNT: $50,000

FIRST YEAR MONTHLY PER $1,000 ISSUE CHARGE $12.50

FIRST YEAR MONTHLY TERM INSURANCE CHARGE: $1.64

DATE OF ISSUE: 01/01/1999

RIDER EFFECTIVE DATE: 01/01/1999

TERMINATION DATE: 01/01/2064

1154(3 cont'd) Page 3 (continued) Printed in U.S.A.

POLICY NUMBER: VL0000001

POLICY SPECIFICATIONS

POLICY CHARGES

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DEDUCTIONS FROM PREMIUM PAYMENTS

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TYPE OF CHARGE

- --------------

PERCENT OF

MAXIMUM SALES CHARGES: PREMIUMS PAID

- ---------------------- -------------

POLICY YEARS

1-20 8.00%

21+ 6.00%

PREMIUM TAX CHARGE:

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ALL POLICY YEARS [1.75%]*

* THE PREMIUM TAX PERCENTAGE RATE DEPENDS UPON THE RATE ASSESSED BY YOUR

STATE OR MUNICIPALITY OF RESIDENCE. IF YOUR STATE OR MUNICIPALITY OF

RESIDENCE CHANGES AND/OR IF YOUR RESIDENCE STATE OR MUNICIPALITY CHANGES ITS

PREMIUM TAX RATE, THE PREMIUM TAX RATE WILL CHANGE TO EQUAL THAT NEW RATE.

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MAXIMUM DEDUCTIONS FROM ACCOUNT VALUE

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TYPE OF POLICY CHARGE OR

CHARGE YEARS PERCENT OF VALUE

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MONTHLY ADMINISTRATIVE ALL $10.00 PER MONTH

CHARGE

MORTALITY AND EXPENSE

RISK RATES

ACCUMULATED VALUE 1-10 0.0625% PER MONTH (0.75% PER

MORTALITY AND EXPENSE YEAR) OF THE ACCUMULATED

RISK RATE VALUE IN THE SUB-ACCOUNTS.

11+ 0.0417% PER MONTH (0.50% PER

YEAR) OF THE ACCUMULATED

VALUES IN THE SUB-ACCOUNTS.

FACE AMOUNT MORTALITY 1-10 0.1449 PER MONTH PER $1,000 OF

AND EXPENSE RISK RATE PER INITIAL FACE AMOUNT.

$1,000

11+ 0

FACE AMOUNT INCREASE FOR FEES APPLICABLE TO

FEE INCREASES, SEE PAGE 3C.

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1154(3A) Page 3A Printed in U.S.A.

POLICY NUMBER: VL0000001

POLICY SPECIFICATIONS

POLICY CHARGES

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TRANSFER CHARGE

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ALL POLICY YEARS $00.00 FOR THE FIRST TRANSFER IN ANY CALENDAR MONTH.

ALL POLICY YEARS $25.00 PER TRANSFER IN EXCESS OF 1 PER CALENDAR

MONTH.

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SURRENDER CHARGES

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POLICY SURRENDER POLICY SURRENDER

YEAR CHARGE YEAR CHARGE

1 825.00 6 300.00

2 788.00 7 225.00

3 750.00 8 150.00

4 450.00 9 75.00

5 375.00 10 0.00

SURRENDER CHARGES WILL BE REDUCED AS THE RESULT OF ANY PRIOR SURRENDER

CHARGES ASSESSED.

1154(3B) Page 3B Printed in U.S.A.

POLICY NUMBER: SPECIMEN

POLICY SPECIFICATIONS

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FACE AMOUNT INCREASE FEE

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MONTHLY PER $1,000 FEE APPLICABLE

TO INCREASES IN FACE AMOUNT

THIS CHARGE IS EFFECTIVE ONLY FOR THE FIRST TWELVE MONTHS FOLLOWING THE

INCREASE IN FACE AMOUNT.

ATTAINED INCREASE ATTAINED INCREASE

AGE CHARGE AGE CHARGE

--- ------ --- ------

36 0.260000 61 0.470000

37 0.270000 62 0.480000

38 0.280000 63 0.480000

39 0.280000 64 0.490000

40 0.290000 65 0.500000

41 0.300000 66 0.500000

42 0.310000 67 0.500000

43 0.320000 68 0.500000

44 0.330000 69 0.500000

45 0.330000 70 0.500000

46 0.340000 71 0.500000

47 0.350000 72 0.500000

48 0.360000 73 0.500000

49 0.370000 74 0.500000

50 0.380000 75 0.500000

51 0.380000 76 0.500000

52 0.390000 77 0.500000

53 0.400000 78 0.500000

54 0.410000 79 0.500000

55 0.420000 80 0.500000

56 0.430000 81 0.500000

57 0.430000 82 0.500000

58 0.440000 83 0.500000

59 0.450000 84 0.500000

60 0.460000 85 0.500000

1154(3C) Page 3C Printed in U.S.A.

POLICY NUMBER: VL0000001

POLICY SPECIFICATIONS

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SCHEDULED FACE AMOUNT INCREASES

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DATE OF INCREASE SCHEDULED INCREASE AMOUNT

---------------- -------------------------

JANUARY 1, 2000 $75,000

JANUARY 1, 2001 $75,000

JANUARY 1, 2002 $75,000

JANUARY 1, 2003 $75,000

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1154(3D) Page 3D Printed in U.S.A.

POLICY NUMBER: VL0000001

POLICY SPECIFICATIONS

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SCHEDULED FACE AMOUNT INCREASES

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NONE

1154(3D) Page 3D Printed in U.S.A.

POLICY NUMBER: VL0000001

POLICY SPECIFICATIONS

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TABLE OF MINIMUM DEATH BENEFIT PERCENTAGES

AND MONTHLY MAXIMUM COST OF INSURANCE RATES PER $1,000

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MINIMUM MAXIMUM COST MINIMUM MAXIMUM COST

POLICY DEATH BENEFIT OF INSURANCE POLICY DEATH BENEFIT OF INSURANCE

YEAR PERCENTAGES RATE YEAR PERCENTAGES RATE

1 250.00 0.0003 34 117.00 0.7182

2 250.00 0.0007 35 116.00 0.8414

3 250.00 0.0013 36 115.00 0.9879

4 250.00 0.0020 37 113.00 1.1653

5 250.00 0.0028 38 111.00 1.3822

6 250.00 0.0038 39 109.00 1.6447

7 243.00 0.0051 40 107.00 1.9553

8 236.00 0.0066 41 105.00 2.3140

9 229.00 0.0083 42 105.00 2.7198

10 222.00 0.0103 43 105.00 3.1724

11 215.00 0.0127 44 105.00 3.6760

12 209.00 0.0155 45 105.00 4.2428

13 203.00 0.0188 46 105.00 4.8903

14 197.00 0.0226 47 105.00 5.6355

15 191.00 0.0271 48 105.00 6.4950

16 185.00 0.0324 49 105.00 7.4696

17 178.00 0.0388 50 105.00 8.5493

18 171.00 0.0466 51 105.00 9.7187

19 164.00 0.0559 52 105.00 10.9650

20 157.00 0.0669 53 105.00 12.2768

21 150.00 0.0799 54 105.00 13.6477

22 146.00 0.0949 55 105.00 15.0844

23 142.00 0.1120 56 105.00 16.5963

24 138.00 0.1316 57 104.00 18.2119

25 134.00 0.1548 58 103.00 19.9859

26 130.00 0.1823 59 102.00 22.0472

27 128.00 0.2156 60 101.00 24.6880

28 126.00 0.2565 61 100.00 28.4789

29 124.00 0.3068 62 100.00 34.5196

30 122.00 0.3671 63 100.00 44.7758

31 120.00 0.4378 64 100.00 61.9954

32 119.00 0.5194 65 100.00 83.3333

33 118.00 0.6123

THE MINIMUM DEATH BENEFIT PERCENTAGES ARE DETERMINED TO COMPLY WITH SECTION

7702 OF THE INTERNAL REVENUE CODE, OR YOUR REQUESTED PERCENTAGES, IF GREATER.

THE MAXIMUM COST OF INSURANCE RATES DO NOT EXCEED THE COST OF INSURANCE

RATES BASED ON THE 1980 COMMISSIONERS STANDARD ORDINARY, MALE OR FEMALE,

SMOKER OR NONSMOKER MORTALITY TABLE, AGE LAST BIRTHDAY. THE MAXIMUM COST OF

INSURANCE RATES HAVE BEEN ADJUSTED TO REFLECT ANY SPECIAL CLASS RATING.

1154(3E) Page 3E Printed in U.S.A.

POLICY NUMBER: VL0000001

POLICY SPECIFICATIONS

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TERM LIFE RIDER SPECIFICATIONS

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DESIGNATED INSURED: MARY DOE

TABLE TERM LIFE RIDER

MONTHLY MAXIMUM RATES(PER $1,000 OF RIDER BENEFIT)

POLICY MAXIMUM POLICY MAXIMUM

YEAR RATE YEAR RATE

1 0.1442 34 2.4933

2 0.1517 35 2.7483

3 0.1617 36 3.0367

4 0.1725 37 3.3658

5 0.1842 38 3.7458

6 0.1983 39 4.1758

7 0.2133 40 4.6483

8 0.2292 41 5.1533

9 0.2467 42 5.6867

10 0.2658 43 6.2442

11 0.2875 44 6.8292

12 0.3108 45 7.4600

13 0.3358 46 8.1567

14 0.3633 47 8.9375

15 0.3933 48 9.8183

16 0.4275 49 10.7950

17 0.4667 50 11.8483

18 0.5117 51 12.9542

19 0.5633 52 14.0983

20 0.6208 53 15.2633

21 0.6850 54 16.4442

22 0.7550 55 17.6575

23 0.8292 56 18.9208

24 0.9117 57 20.2633

25 1.0042 58 21.7350

26 1.1075 59 23.4792

27 1.2225 60 25.8192

28 1.3550 61 29.3217

29 1.5050 62 35.0825

30 1.6717 63 45.0833

31 1.8542 64 62.0958

32 2.0517 65 83.3333

33 2.2633

THE MAXIMUM RATES DO NOT EXCEED THE COST OF INSURANCE RATES BASED ON THE 1980

COMMISSIONERS STANDARD ORDINARY MALE OR FEMALE SMOKER OR NONSMOKER MORTALITY

TABLE, AGE LAST BIRTHDAY. THE MAXIMUM COST OF INSURANCE RATES HAVE BEEN

ADJUSTED TO REFLECT ANY SPECIAL CLASS RATING.

1154(4) Page 4 Printed in U.S.A.

DEFINITIONS The definitions in this section apply to the following words

and phrases whenever and wherever they appear in the Policy.

ACCOUNT VALUE: the total of all amounts in the Fixed Account,

Loan Account and Sub-Accounts.

ACCUMULATION UNIT: an accounting unit used to calculate the

value of a Sub-Account.

CASH SURRENDER VALUE: the Cash Value less all Indebtedness.

CASH VALUE: the Account Value less any applicable Surrender

Charges.

COMPANY, WE, US, OUR: the Company referred to on the first

page of the Policy.

CUMULATIVE NO LAPSE GUARANTEE PREMIUM: the premium required

to maintain the No Lapse Guarantee. On the Policy Date, the

Cumulative No Lapse Guarantee Premium is the Monthly No Lapse

Guarantee Premium shown on Page 3. On each Monthly Activity

Date thereafter, the Cumulative No Lapse Premium is: (a) the

Cumulative No Lapse Guarantee Premium on the previous Monthly

Activity Date; plus (b) the current Monthly No Lapse

Guarantee Premium.

DATE OF ISSUE: the date shown on Page 3 from which Suicide

and Incontestability provisions are measured. The date may

be different from the Policy Date.

DEATH BENEFIT: the amount used to calculate the Death

Proceeds. The Death Benefit on the Policy Date is determined

by the Death Benefit Option You select on Your application.

Thereafter, it may change in accordance with the terms of the

Death Benefit Option provision, the Minimum Death Benefit

provision and the No Lapse Guarantee provision.

DEATH BENEFIT OPTION: the Death Benefit Option in effect

determines how the Death Benefit is calculated. The three

Death Benefit Options provided are described in the Death

Benefit section.

DEATH PROCEEDS: the amount which We will pay on the death of

the Insured.

DOLLAR COST AVERAGING: systematic transfers from one account

to any other available account.

FACE AMOUNT: an amount We use to determine the Death Benefit.

On the Policy Date, the Face Amount equals the Initial Face

Amount shown on Page 3. Thereafter, it may change in

accordance with the terms of the Increases and Decreases in

Face Amount provision the Death Benefit Option Changes

provision and the Withdrawal provision.

FIXED ACCOUNT: part of the Company's General Account to which

all or a portion of the Account Value may be allocated.

FUNDS: the registered open-end management companies in which

assets of the Separate Account may be invested.

GENERAL ACCOUNT: all Company assets other than those

allocated to separate accounts.

1154(5/6) Page 5 Printed in U.S.A.

DEFINITIONS IN WRITING: in a written form satisfactory to Us.

(CONTINUED)

INDEBTEDNESS: all loans taken on the Policy, plus any

interest due or accrued minus any loan repayments.

INTERNAL REVENUE CODE: Internal Revenue Code of 1986, as

amended.

ISSUE AGE: as of the Policy Date, an Insured's age on his/her

last birthday.

LOAN ACCOUNT: an account established for any amounts

transferred from the Fixed Account and Sub-Accounts as a

result of loans. The amounts in the Loan Account are

credited with interest and are not subject to the investment

experience of any Sub-Accounts.

MONTHLY ACTIVITY DATE: the Policy Date and the same date in

each succeeding month as the Policy Date. However, whenever

the Monthly Activity Date falls on a date other than a

Valuation Day, the Monthly Activity Date will be deemed to be

the next Valuation Day.

NET PREMIUM: the amount of premium credited to the Account

Value. It is the premium paid minus the deductions from

premium shown on Page 3A.

PLANNED PREMIUM: the amount that the Owner intends to pay.

The Initial Planned Premium is shown on Page 3.

POLICY ANNIVERSARY: an anniversary of the Policy Date.

POLICY DATE: the date shown on Page 3 from which Policy

Anniversaries and Policy Years are determined. This is the

date the Policy goes into effect.

POLICY YEARS: years as measured from the Policy Date.

PRO RATA BASIS: an allocation method based on the proportion

of the Account Value in the Fixed Account and each

Sub-Account.

SCHEDULED MATURITY DATE: the date, shown on Page 3, on which

the Policy will mature, in accordance with the Termination

and Maturity Date provision.

SEPARATE ACCOUNT: an account, as specified on Page 3, which

has been established by Us to separate the assets funding the

variable benefits, for the class of contracts to which the

Policy belongs, from the other assets of the Company.

SUB-ACCOUNTS: the subdivisions of the Separate Account.

SURRENDER CHARGE: a charge that may be assessed if You

surrender the Policy or You request a policy change that

results in a Face Amount decrease.

VALUATION DAY: the date on which a Sub-Account is valued.

This occurs everyday We are open and the New York Stock

Exchange is open for trading.

VALUATION PERIOD: the period of time between the close of

business on successive Valuation Days.

YOU, YOUR: the Owner of the Policy.

1154(5/6) Page 6 Printed in U.S.A.

DEATH BENEFIT GENERAL

Upon receipt of due proof of the Insured's death, We will pay

the Death Proceeds to the Beneficiary.

DEATH PROCEEDS

Death Proceeds equal the Death Benefit described below less

Indebtedness and less any due and unpaid Monthly Deduction

Amounts occurring during a Policy Grace Period.

However, if the Insured dies after We receive a request In

Writing from You to surrender the Policy, the Cash Surrender

Value will be paid in lieu of the Death Proceeds.

The Death Benefit is the greater of:

(a) the Death Benefit provided by the Death Benefit Option

chosen; and

(b) the Minimum Death Benefit described below.

DEATH BENEFIT OPTIONS

You have three Death Benefit Options.

1. Under Option A (Level Option), the Death Benefit is the

current Face Amount.

2. Under Option B (Return of Account Value Option), the Death

Benefit is the current Face Amount, plus the Account Value on

the date We receive due proof of the Insured's death.

3. Under Option C (Return of Premium Option), the Death

Benefit is the lesser of: (a) the current Face Amount, plus

the sum of the premiums paid; or (b) the Death Benefit Option

C Limit shown on Page 3.

DEATH BENEFIT OPTION CHANGES

You may change Your Death Benefit Option, subject to the

conditions described here. You must notify Us In Writing of

the change. Such change will be effective on the Monthly

Activity Date following the date We receive the request.

You may change Option C (Return of Premium Option) or Option

B (Return of Account Value Option) to Option A (Level

Option). If You do, the Face Amount will become that amount

available as a Death Benefit immediately prior to the option

change.

You may change Option A (Level Option) to Option B (Return of

Account Value Option). If You do, the Face Amount will

become that amount available as a Death Benefit immediately

prior to the option change, reduced by the then current

Account Value. Any resulting decrease in the Face Amount may

be subject to a partial Surrender Charge as described in the

Decreases in Face Amount provision.

MINIMUM DEATH BENEFIT

We will automatically increase the Death Benefit so that it

will never be less than the Account Value multiplied by the

Minimum Death Benefit Percentage for the then current Policy

Year. The Table of Minimum Death Benefit Percentages is

shown on Page 3E.

This is to ensure that:

(a) the Policy continues to qualify as life insurance under

the Internal Revenue Code; or

(b) the Policy maintains the relationship between the Account

Value and the Death Benefit You selected on Your

application, if greater.

1154(7/8) Page 7 Printed in U.S.A.

INCREASES AND GENERAL

DECREASES IN At any time after the first Policy Year, You may make a request

FACE AMOUNT In Writing to change the Face Amount. The minimum amount by

which the Face Amount can be increased or decreased is based

on Our rules then in effect.

We reserve the right to limit You to one increase or decrease

in any 12 month period.

SCHEDULED INCREASES IN FACE AMOUNT

We will increase the Face Amount automatically by the amounts

shown on Page 3D. These scheduled increases will continue

until You request to discontinue the increases or until You

request to decrease the Face Amount of Your Policy.

Decreases in the Face Amount as a result of a withdrawal will

not affect Your scheduled increases.

Scheduled increases in the Face Amount are not subject to the

Face Amount Increase Fee.

UNSCHEDULED INCREASES IN FACE AMOUNT

All requests to increase the Face Amount must be applied for

on a new application and accompanied by the Policy. All

requests will be subject to evidence of insurability

satisfactory to Us. Any increase approved by Us will be

effective on the Monthly Activity Date shown on the new

policy specifications page, provided that the Monthly

Deduction Amount for the first month after the effective date

of the increase is made. A Face Amount Increase Fee is

assessed on the first twelve Monthly activity dates beginning

on the effective date of each increase. The Face Amount

Increase Fee will not exceed those shown on Page 3C.

DECREASES IN FACE AMOUNT

A decrease in the Face Amount will be effective on the

Monthly Activity Date following the date We receive Your

request. The remaining Face Amount must not be less than Our

minimum rules then in effect. If during the Surrender Charge

Period, You decrease Your Face Amount to an amount lower than

it has ever been, a partial Surrender Charge will be assessed.

The Surrender Charge assessed will be:

(a) the Surrender Charge applicable to the then current

Policy Year, if any; multiplied by

(b) the percentage described below.

The percentage will be determined by:

(i) subtracting the new Face Amount from the lowest previous

Face Amount; and

(ii) dividing that difference by the lowest previous Face

Amount.

The Surrender Charge assessed will be deducted from Your

Account Value on the Monthly Activity Date on which the

decrease becomes effective. We will also reduce the

Surrender Charges applicable to future Policy Years and

provide You a revised schedule of Surrender Charges.

PREMIUMS GENERAL

No insurance is effective until We receive premiums

sufficient to cover the Monthly Deduction Amount on the

Policy Date. After the first premium has been paid,

subsequent premiums can be paid at any time.

1154(7/8) Page 8 Printed in U.S.A.

PREMIUMS Checks must be made payable to the Company shown on the first

(CONTINUED) page of the Policy.

Checks may be sent to either:

(a) Us at the address shown on the premium notice; or

(b) Our authorized agent in exchange for a receipt signed by

Our President or Secretary and countersigned by such agent.

We will apply any amount received under the Policy as a

premium unless it is clearly marked otherwise. The premium

will be applied on the date We receive it at the address

shown on the premium notice.

PLANNED PREMIUM PAYMENTS

We will send You a premium notice for the Planned Premium

payment. The notices may be sent at 12, 6, or 3 month

intervals. The Initial Planned Premium payment and payment

frequency You selected are shown on Page 3. You may change

the Planned Premium payment shown on the premium notices

subject to Our premium limitations.

FLEXIBLE PREMIUMS

After the first premium has been paid, Your subsequent

premium payments are flexible. The actual amount and

frequency of payment will affect the Account Value and could

affect the amount and duration of insurance provided by the

Policy. You may pay additional premiums at any time prior to

the Scheduled Maturity Date subject to Our Premium

Limitations.

PREMIUM LIMITATIONS

You may pay premiums at any time prior to the Scheduled

Maturity Date subject to the following limitations:

(a) the minimum premium that We will accept is $50 or the

amount required to keep the Policy in force.

(b) if premiums are received which would cause the Policy to

fail to meet the definition of a life insurance contract in

accordance with the Internal Revenue Code, We reserve the

right to refund the excess premium payments. Such refunds

and interest thereon will be made within 60 days after the

end of a Policy Year.

(c) We reserve the right to require evidence of insurability

for any premium payment that results in an increase in the

Death Benefit greater than the amount of the premium.

(d) any premium received in excess of $1,000,000 is subject

to Our approval.

INITIAL PREMIUM ALLOCATION

The initial Net Premium and any additional Net Premiums

received by Us prior to the end of the Right to Examine

Policy Period will be allocated as shown on Page 3 on the

later of:

(a) the Policy Date; and

(b) the date We receive the premium.

The accumulated values of these amounts will then be

allocated to the Fixed Account and Sub-Accounts according to

the premium allocation You specified in the application on

the later of:

(a) the end of the Right to Examine Policy Period; or

(b) the date We receive the final requirement to put the

Policy in force.

1154(9/10) Page 9 Printed in U.S.A.

PREMIUMS SUBSEQUENT PREMIUM ALLOCATIONS

(CONTINUED) You may change how Your premiums are allocated by notifying Us

In Writing. Subsequent Net Premiums will be allocated to the

Fixed Account and Sub-Accounts according to Your most recent

instructions as long as:

(a) the total number of active Sub-Accounts does not exceed 9;

and

(b) the percentage You allocate to each Sub-Account is in whole

percentages.

If We receive a premium with a premium allocation instruction

that does not comply with the above rules, We will allocate

the Net Premium on a Pro Rata Basis.

VALUATION SUB-ACCOUNT ACCUMULATION UNITS

PROVISIONS Amounts allocated to each Sub-Account increase the number of

Accumulation Units in each Sub-Account. The number of

Accumulation Units added to each Sub-Account is determined by

dividing the amount allocated to the Sub-Account by the

dollar value of one Accumulation Unit for such Sub-Account.

Amounts taken from each Sub-Account decrease the number of

Accumulation Units in each Sub-Account. The number of

Accumulation Units subtracted from each Sub-Account is

determined by dividing the amount taken from the Sub-Account

by the dollar value of one Accumulation Unit for such

Sub-Account.

The number of Your Accumulation Units will not be affected by

any subsequent change in the value of the units. The

Accumulation Unit Values in each Sub-Account may increase or

decrease daily as described below.

SUB-ACCOUNT ACCUMULATION UNIT VALUE

The Accumulation Unit Value for each Sub-Account will vary to

reflect the investment experience of the applicable Fund and

will be determined on each Valuation Day by multiplying the

Accumulation Unit Value of the particular Sub-Account on the

preceding Valuation Day by a Net Investment Factor for that

Sub-Account for the Valuation Period then ended. The Net

Investment Factor for each of the Sub-Accounts is equal to

the net asset value per share of the corresponding Fund at

the end of the Valuation Period (plus the per share amount of

any dividend or capital gain distributions paid by that Fund

in the Valuation Period then ended) divided by the net asset

value per share of the corresponding Fund at the beginning of

the Valuation Period.

EMERGENCY PROCEDURE

If the New York Stock Exchange is closed (except for holidays

or weekends) or trading is restricted due to an existing

emergency as defined by the Securities and Exchange

Commission so that We cannot value the Sub-Accounts, We may

postpone all transactions which require valuation of the

Sub-Accounts until valuation is possible. Any provision of

the Policy which specifies a Valuation Day will be superseded

by the emergency procedure.

FIXED ACCOUNT

We will credit interest to amounts in the Fixed Account on a

monthly basis at rates We determine. The Annual Fixed

Account Minimum Credited Rate is shown on Page 3. The

interest credited will reflect the timing of amounts added to

or withdrawn from the Fixed Account.

1154(9/10) Page 10 Printed in U.S.A.

ACCOUNT VALUE, Account Value

CASH VALUE Your Account Value on the Policy Date equals the initial Net

AND CASH Premium less the Monthly Deduction Amount for the first policy

SURRENDER VALUE month.

On each subsequent Monthly Activity Date, Your Account Value

equals:

(a) the sum of Your Accumulated Values in the Fixed Account

and Sub-Accounts; plus

(b) the value of Your Loan Account, if any; minus,

(c) the appropriate Monthly Deduction Amount.

On each Valuation Day (other than a Monthly Activity Date),

Your Account Value equals:

(a) the sum of Your Accumulated Values in the Fixed Account

and Sub-Accounts; plus

(b) the value of Your Loan Account, if any.

ACCUMULATED VALUE - FIXED ACCOUNT

Your Accumulated Value in the Fixed Account equals:

(a) the Net Premiums allocated to it; plus

(b) amounts transferred to it from the Sub-Accounts or the Loan

Account; plus

(c) interest credited to it; minus

(d) amounts transferred out of it to the Sub-Accounts or the

Loan Account; minus

(e) any transfer charges or Surrender Charges that have been

taken from it; minus

(f) any Monthly Deduction Amounts taken from it; minus

(g) any withdrawals taken from it.

ACCUMULATED VALUE - SUB-ACCOUNTS

Your Accumulated Value in any Sub-Account equals:

(a) the number of Your Accumulation Units in that Sub-Account on

the Valuation Day; multiplied by

(b) that Sub-Account's Accumulation Unit Value on the Valuation

Day.

The number of Accumulation Units in any Sub-Account is

increased when:

(a) Net Premiums are allocated to it; or

(b) amounts are transferred to it from other Sub-Accounts, the

Fixed Account or the Loan Account.

The number of Accumulation Units in any Sub-Account is

decreased when:

(a) amounts are transferred out of it to other Sub-Accounts,

the Fixed Account or the Loan Account; or

(b) any transfer charges or Surrender Charges have been taken

from it; or

(c) any Monthly Deduction Amounts are taken from it; or

(d) any withdrawals are taken from it.

CASH VALUE

Your Cash Value is equal to the Account Value less any

applicable Surrender Charges. The Surrender Charges and the

Policy Years during which they will be applied are shown on

Page 3B.

CASH SURRENDER VALUE

Your Cash Surrender Value is equal to Your Cash Value minus

the Indebtedness, if any.

1154(11/12) Page 11 Printed in U.S.A.

TRANSFERS AMOUNT AND FREQUENCY OF TRANSFERS

Upon request and as long as the Policy is in effect, You may

transfer amounts among the Fixed Account and Sub-Accounts.

We reserve the right to limit the size of transfers and

remaining balances, and to limit the number and frequency of

transfers.

DOLLAR COST AVERAGING

From time to time, We may offer and You may enroll in a

Dollar Cost Averaging program. Prior to enrollment, You may

obtain information on the available programs from Us.

You may terminate participation in the program at any time by

calling or writing Us. In such an event, any non-transferred

balances will be allocated to the other accounts according to

Your instructions.

RESTRICTIONS ON TRANSFERS

Transfers from the Fixed Account (other than those allowed

under a Dollar Cost Averaging program) are subject to the

following:

(a) the transfer must occur during the 30 day period

following each Policy Anniversary; and

(b) the maximum amount transferred in any Policy Year will be

the greater of $1,000 or 25% of the Accumulated Value in the

Fixed Account on the date of transfer.

TRANSFER CHARGE

After a transfer has occurred, the Transfer Charge, as

specified on Page 3B, if any, will be deducted on a Pro Rata

Basis.

MONTHLY GENERAL

DEDUCTION On each Monthly Activity Date, We will deduct an amount from

AMOUNT Your Account Value to pay for the benefits provided by the

Policy. This amount is called the Monthly Deduction Amount

and equals:

(a) the Cost of Insurance; plus

(b) the Monthly Administrative Charge; plus

(c) the Mortality and Expense Risk Charge; plus

(d) the Face Amount Increase Fee, if any; plus

(e) the charges for additional benefits provided by rider, if

any.

The Monthly Deduction Amount will be taken on a Pro Rata

Basis from the Fixed Account and Sub-Accounts on each Monthly

Activity Date.

COST OF INSURANCE

The Cost of Insurance for any Monthly Activity Date is equal to:

(a) the Cost of Insurance Rate per $1,000; multiplied by

(b) the amount at risk; divided by

(c) $1,000.

On any Monthly Activity Date, the amount at risk equals the

Death Benefit less the Account Value on that date prior to

assessing the Monthly Deduction Amount.

1154(11/12) Page 12 Printed in U.S.A.

MONTHLY COST OF INSURANCE RATE

DEDUCTION The Cost of Insurance Rate is based on the then current Policy

AMOUNT Year as well as the Initial Face Amount, sex, Issue Age, and

(CONTINUED) insurance class of the Insured shown on Page 3.

The Cost of Insurance Rates will not exceed those in the

Table of Monthly Maximum Cost of Insurance Rates shown on

Page 3C.

We can use Cost of Insurance Rates that are lower than the

Monthly Maximum Cost of Insurance Rates shown on Page 3E.

Rates will be determined on each Policy Anniversary based on

Our future expectations of such factors as mortality,

expenses, interest, persistency and taxes. Any change We

make will be on a uniform basis for Insureds of the same

Issue Age, sex, insurance class, Initial Face Amount, and

whose coverage has been in force for the same length of time.

Based on Our administrative rules in effect and upon

providing satisfactory evidence to Us, You may change the

insurance class to a more favorable class. Future Cost of

Insurance charges will be based on the more favorable class

and all other contract terms and provisions will remain as

established at issue. No change in insurance class or cost

will occur on account of deterioration of the Insured's

health.

MONTHLY ADMINISTRATIVE CHARGE

The Monthly Administrative Charge will not exceed the amounts

shown on Page 3C.

MORTALITY AND EXPENSE RISK CHARGE

The Mortality and Expense Risk Charge for any Monthly Activity

Date is equal to the sum of (a) and (b) where

(a) equals:

(i) the monthly Accumulated Value Mortality and Expense

Risk Rate; multiplied by

(ii) the sum of Your Accumulated Values in the Sub-Accounts

on the Monthly Activity Date, prior to assessing the

Monthly Deduction Amount.

and

(b) equals:

(i) the monthly Mortality and Expense Risk Rate per

$1,000; multiplied by

(ii) the lower of the Initial Face Amount or the current

Face Amount; divided by

(iii) $1,000.

Each month the Mortality and Expense Risk Rates will not

exceed those shown on Page 3A.

FACE AMOUNT INCREASE FEE

The Face Amount Increase Fee will not exceed the amount shown

on Page 3C.

LAPSE AND POLICY GRACE PERIOD

POLICY GRACE During the first three Policy Years, the Policy will go into

PERIOD default on any Monthly Activity Date on which the Account Value

less Indebtedness is not sufficient to cover the Monthly

Deduction Amount.

During the fourth Policy Year and thereafter, the Policy will

go into default on any Monthly Activity Date if the Cash

Surrender Value is not sufficient to cover the Monthly

Deduction Amount.

If the Policy goes into default, We will send You a lapse

notice warning You that the Policy is in danger of

terminating. That lapse notice will tell You the minimum

premium required to keep the Policy from terminating. This

minimum premium equals the amount to pay three Monthly

Deduction Amounts as of the day the Policy Grace Period

began. That notice will be mailed both to You on the first

day the Policy goes into default, at your last known address,

and to any assignee of record.

1154(13/14) Page 13 Printed in U.S.A.

LAPSE AND We will keep the Policy inforce for the 61 day period

POLICY GRACE following the date Your policy goes into default. We call that

PERIOD period the Policy Grace Period. However, if We have not

(CONTINUED) received the required premiums (specified in Your lapse notice)

by the end of the Policy Grace Period, the Policy will

terminate unless the No Lapse Guarantee is in effect (see the

No Lapse Guarantee provision which follows).

If the Insured dies during the Policy Grace Period, We will

pay the Death Proceeds.

NO LAPSE GUARANTEE

The Policy will remain in force at the end of the Policy

Grace Period as long as the No Lapse Guarantee is available,

as described below.

This policy provides a No Lapse Guarantee subject to the

conditions described below to Insureds with an Issue Age of

79 or below as long as:

(a) the Policy is in the No Lapse Guarantee Period; and

(b) on each Monthly Activity Date during that period, the

cumulative premiums paid into the Policy, less Indebtedness

and less withdrawals from the Policy, equal or exceed the

Cumulative No Lapse Guarantee Premium.

The No Lapse Guarantee Period is shown on Page 3.

If the No Lapse Guarantee is available and You fail to pay

the required premium as defined in Your lapse notice by the

end of the Policy Grace Period, the No Lapse Guarantee will

then go into effect. The Policy will remain in force,

however:

(a) the Death Benefit Option becomes Level;

(b) all riders will terminate.

(c) any future scheduled increases in the Face Amount will be

canceled.

The No Lapse Guarantee will remain in effect on each

subsequent Monthly Activity Date provided:

(a) the Policy remains in default; and

(b) the No Lapse Guarantee is available.

While the No Lapse Guarantee is in effect, We guarantee that

Your Account Value will never be less than zero.

If during the No Lapse Guarantee Period, there is any

increase or decrease in the Face Amount, a new monthly No

Lapse Guarantee Premium will be calculated. We will send You

a notice of the new Monthly No Lapse Guarantee Premium, which

will be used in calculating the Cumulative No Lapse Guarantee

Premium in subsequent months.

NO LAPSE GUARANTEE GRACE PERIOD

If, on each Monthly Activity Date during the No Lapse

Guarantee Period, the cumulative premiums paid into the

Policy, less Indebtedness and less withdrawals from the

Policy, do not equal or exceed the Cumulative No Lapse

Guarantee Premium on that date, a No Lapse Guarantee Grace

Period of 61 days will begin. We will mail the Owner and any

assignee a notice. That notice will warn You that You are in

danger of losing the No Lapse Guarantee and will tell You the

amount of premium You need to pay to continue the No Lapse

Guarantee.

The No Lapse Guarantee will be removed from the Policy if the

required premium is not paid by the end of the No Lapse

Guarantee Grace Period. You will receive a written

notification of the change and the No Lapse Guarantee will

never again be available or in effect on the Policy.

1154(13/14) Page 14 Printed in U.S.A.

REINSTATEMENT Unless the Policy has been surrendered for its Cash Surrender

Value, the Policy may be reinstated prior to the Scheduled

Maturity Date provided:

(a) You make Your request In Writing within five years from

the Termination Date;

(b) satisfactory evidence of insurability is submitted;

(c) any Indebtedness at the time of termination must be

repaid or carried over to the reinstated policy; and

(d) You pay sufficient premium to:

(i) cover all Monthly Deduction Amounts that are due and

unpaid during the Policy Grace Period; and

(ii) keep the Policy in force for 3 months after the date of

reinstatement.

The Account Value on the reinstatement date will equal:

(a) the Cash Value at the time of termination; plus

(b) Net Premiums attributable to premiums paid at the time of

reinstatement; minus

(c) the Monthly Deduction Amounts that were due and unpaid

during the Policy Grace Period; plus

(d) the Surrender Charge at the time of reinstatement.

The Surrender Charge will be based on the duration from the

original Policy Date as though the Policy had never lapsed.

POLICY LOANS GENERAL

At any time while the Policy is in force, You may borrow

against the Policy by assigning it as sole security to Us.

We may defer granting a loan, except to pay premiums to Us,

for the period permitted by law but not more than six months.

LOAN AMOUNTS

Any new loan taken together with any existing Indebtedness

may not exceed the Cash Value on the date We grant a loan.

The minimum loan amount that We will allow is $500.

Unless you specify otherwise, all loan amounts will be

transferred from the Fixed Account and the Sub-Accounts to

the Loan Account on a Pro Rata Basis.

If total Indebtedness equals or exceeds the Cash Value on any

Monthly Activity Date, the Policy will then go into default.

See the Lapse and Policy Grace Period provision for details.

CREDITED INTEREST

Any amounts in the Loan Account will be credited with

interest at a rate equal to the Annual Fixed Account Minimum

Credited Rate shown on Page 3.

PREFERRED INDEBTEDNESS

If, any time after the 10th Policy Anniversary, the Account

Value exceeds the total of all premiums paid since issue, a

portion of Your Indebtedness may qualify as preferred.

Preferred Indebtedness is charged a lower interest rate than

the non-preferred Indebtedness, if any. (Refer to the

Interest Charged on Indebtedness provision for details.) The

maximum amount of Preferred Indebtedness is the amount by

which the Account Value exceeds the total premiums paid and

is determined on each Monthly Activity Date.

1154(15/16) Page 15 Printed in U.S.A.

POLICY LOANS LOAN REPAYMENTS

(CONTINUED) All or part of a loan may be repaid at any time that:

(a) the Policy is in force; and

(b) the Insured is alive.

However, each repayment must be at least the lesser of $50 or

the Indebtedness and clearly identified In Writing as a loan

repayment.

The amount of a loan repayment will be deducted from the Loan

Account and will be allocated among the Fixed Account and

Sub-Accounts in the same percentage as premiums are allocated.

INTEREST CHARGED ON INDEBTEDNESS

The table below shows the interest rates We will charge on

Your Indebtedness.

---------------------------------------------------------------

DURING POLICY PORTION OF INTEREST RATE CHARGED

YEARS INDEBTEDNESS EQUALS THE FIXED

ACCOUNT MINIMUM

CREDITED RATE PLUS:

---------------------------------------------------------------

1-10 All 2%

---------------------------------------------------------------

11 and later Preferred 0%

Non-Preferred 1%

---------------------------------------------------------------

Because the interest charged on Indebtedness may exceed the

rate credited to the Loan Account, the Indebtedness may grow

faster than the Loan Account. If this happens, any

difference between the value of the Loan Account and the

Indebtedness will be transferred on each Monthly Activity

Date from the Fixed Account and Sub-Accounts to the Loan

Account on a Pro Rata Basis.

WITHDRAWALS GENERAL

You may request a withdrawal In Writing. The minimum

withdrawal allowed is $500. The maximum withdrawal is the

Cash Surrender Value less $1,000. A charge of up to $10 may

be assessed for each withdrawal. One withdrawal per calendar

month is allowed. Unless specified otherwise the withdrawal

will be deducted on a Pro Rata Basis.

If the Death Benefit Option then in effect is Option A (Level

Option) or Option C (Return of Premium Option), the Face

Amount will be reduced by the amount equal to the reduction

in the Account Value resulting from the withdrawal. If the

Death Benefit Option then in effect is Option B (Return of

Account Value), the Face Amount will not be reduced.

Any withdrawal that causes the Face Amount to fall below the

lowest previous Face Amount will be subject to a partial

Surrender Charge. Refer to the Decreases in Face Amount

provision for an explanation of the applicable partial

Surrender Charge.

SURRENDERS GENERAL

While the Policy is in force, You may surrender the Policy to

Us. The Policy, and additional benefits provided by rider,

are then canceled as of the day We receive Your request In

Writing or the date You request the surrender, whichever is

later. We will then pay You the Cash Surrender Value as of

that date.

1154(15/16) Page 16 Printed in U.S.A.

PAYMENTS GENERAL

BY US We will pay Death Proceeds, Cash Surrender Values, withdrawals

and loan amounts attributable to the Sub-Accounts within 7

days after We receive all the information needed to process

the payment unless:

(a) the New York Stock Exchange is closed on other than

customary weekend and holiday closings or trading on the New

York Stock Exchange is restricted as determined by the

Securities and Exchange Commission (SEC); or

(b) an emergency exists, as determined by the SEC, as a

result of which disposal of securities is not reasonably

practicable to determine the value of the Sub-Accounts; or

(c) the SEC, by order, permits postponement for the

protection of policy owners.

DEFERRAL OF PAYMENTS FROM THE FIXED ACCOUNT

We may defer payment of any Cash Surrender Values,

withdrawals and loan amounts which are not attributable to

the Sub-Accounts for up to six months from the date of the

request. If We defer payment for more than 30 days, We will

pay interest at the Annual Fixed Account Minimum Credited

Rate.

TAXATION OF GENERAL

THE SEPARATE We do not expect to incur any federal, state or local income

ACCOUNT tax on the earnings or realized capital gains attributable to

the Separate Account. Based upon these expectations, no

charge is being made to the Separate Account for federal,

state or local income taxes. If We incur income taxes

attributable to the Separate Account or determine that such

taxes will be incurred, We may assess a charge for taxes

against the Policy in the future.

THE CONTRACT ENTIRE CONTRACT

The Policy, the attached copy of the initial application, any

applications for reinstatement, all subsequent applications

to change the Policy, any endorsements or riders and all

additional policy information sections added to the Policy

are the entire contract. The contract is made in

consideration of the application and the payment of the

initial premium. We will not use any statement to cancel the

Policy or to defend a claim under it, unless that statement

is contained in an attached written application. All

statements in the application will, in the absence of fraud

(as determined by a court of competent jurisdiction), be

deemed representations and not warranties.

INTERPRETATION OF POLICY TERMS AND CONDITIONS

We have full discretion and authority to determine

eligibility for benefits and to construe and interpret all

terms and provisions of the Policy.

CONTRACT MODIFICATION

The only way this contract may be modified is by a written

agreement signed by Our President, or one of Our Vice

Presidents, Secretaries or Assistant Secretaries.

FUND MODIFICATION

We reserve the right, subject to any applicable law, to make

certain changes, including the right to add, eliminate or

substitute any investment options offered under the Policy.

NON-PARTICIPATION

The Policy is non-participating. It does not share in Our

surplus earnings, so You will receive no policy dividends

under it.

1154(17/18) Page 17 Printed in U.S.A.

THE CONTRACT MISSTATEMENT OF AGE AND/OR SEX

(CONTINUED) If on the date of death:

(a) the Issue Age of the Insured is understated; or

(b) the sex of the Insured is incorrectly stated such that it

resulted in lower Costs of Insurance,

the Death Benefit will be reduced to the Death Benefit that

would have been provided by the last Cost of Insurance charge

at the correct Issue Age and/or sex.

If on the date of death:

(a) the Issue Age of the Insured is overstated; or

(b) the sex of the Insured is incorrectly stated such that it

resulted in higher Costs of Insurance,

the Death Benefit will be adjusted by the return of all

excess Costs of Insurance prior to the date of the Insured's

death.

SUICIDE

If, within 2 years from the Date of Issue, the Insured dies

by suicide, while sane or insane, Our liability will be

limited to the premiums paid less Indebtedness and less any

withdrawals.

If, within 2 years from the effective date of any increase in

the Face Amount for which evidence of insurability was

obtained, the Insured dies by suicide, while sane or insane,

Our liability with respect to such increase, will be limited

to the Cost of Insurance for the increase.

INCONTESTABILITY

We cannot contest the Policy after it has been in force,

during the Insured's lifetime, for 2 years from its Date of

Issue, except for non-payment of premium.

Any increase in the Face Amount for which evidence of

insurability was obtained, will be incontestable only after

the increase has been in force, during the Insured's

lifetime, for 2 years from the effective date of the

increase.

The Policy may not be contested for more than 2 years after

the reinstatement date. Any contest We make after the Policy

is reinstated will be limited to the material

misrepresentations in the evidence of insurability provided

to Us in the request for reinstatement. However, the

provision will not affect Our right to contest any statement

in the original application or a different reinstatement

request which was made during the Insured's lifetime from the

Date of Issue of the Policy or a subsequent reinstatement

date.

APPEALING DENIAL OF CLAIM

On any denied claim, You or Your representative may appeal to

the Company for a full and fair review. You may:

(a) request a review upon written application within 60 days

of receipt of a claim denial;

(b) review pertinent documents; and

(c) submit issues and comments In Writing.

SEPARATE ACCOUNTS

We will have exclusive and absolute ownership and control of

the assets of Our Separate Accounts. The assets of a Fund

will be available to cover the liabilities of Our General

Account only to the extent that those assets exceed the

liabilities of that Separate Account. The assets of a Fund

will be valued on each Valuation Day. Our determination of

the value of an Accumulation Unit by the method described in

the Policy will be conclusive.

1154(17/18) Page 18 Printed in U.S.A.

THE CONTRACT CHANGE IN THE OPERATION OF THE SEPARATE ACCOUNT

(CONTINUED) At Our election and subject to any necessary vote by persons

having the right to give instructions on the voting of Fund

shares held by the Sub-Accounts, the Separate Account may be

operated as a management company under the Investment Company

Act of 1940 or any form permitted by law, may be deregistered

under the Investment Company Act of 1940 in the event

registration is no longer required, or may be combined with

one or more Separate Accounts.

VOTING RIGHTS

We will notify You of any Fund shareholder's meetings at

which the shares held for Your Sub-Account may be voted. We

will also send proxy materials and instructions for You to

vote the shares held for Your Sub-Account. We will arrange

for the handling and tallying of proxies received from the

Owners. We will vote the Fund shares held by Us in

accordance with the instructions received from the Owners.

You may attend any meeting, where shares held for Your

benefit may be voted.

In the event that You give no instructions or leave the

manner of voting discretionary, We will vote such shares of

the appropriate Fund in the same proportion as shares of that

Fund for which instructions have been received. Also, We

will vote the Fund shares in this proportionate manner which

are held by Us for Our own account.

ANNUAL REPORT

We will send You a report at least once each Policy Year

showing:

(a) the current Account Value, Cash Surrender Value and Face

Amount;

(b) the premiums paid, Monthly Deduction Amounts and loans

since the last report;

(c) the amount of any Indebtedness; and

(d) any other information required by the Insurance

Department of the state where the Policy was delivered.

OWNERSHIP AND CHANGE OF OWNER OR BENEFICIARY

BENEFICIARY The Owner and Beneficiary will be those named in the application

until You change them. To change the Owner or Beneficiary,

notify Us In Writing while the Insured is alive. After We

receive written notice, the change will be effective as of

the date You signed such notice, whether or not of the

Insured is living when We receive it. However, the change

will be subject to any payment We made or actions We may have

taken before We received the request.

ASSIGNMENT

You may assign the Policy. Until You notify Us In Writing,

no assignment will be effective against Us. We are not

responsible for the validity of any assignment.

OWNER'S RIGHTS

While the Insured is alive and no Beneficiary is irrevocably

named, You may:

(a) exercise all the rights and options that the Policy

provides or that We permit;

(b) assign the Policy; and

(c) agree with Us to any change to the Policy.

1154(19/20) Page 19 Printed in U.S.A.

OWNERSHIP AND NO NAMED BENEFICIARY

BENEFICIARY If no named Beneficiary survives the Insured, then, unless the

(CONTINUED) Policy provides otherwise:

(a) You will be the Beneficiary; or

(b) if You are the Insured, Your estate will be the Beneficiary.

TERMINATION AND TERMINATION

MATURITY DATE The Policy will terminate upon the earliest of the following

events:

(a) the Scheduled Maturity Date of the Policy unless You

request to continue the Policy after such date as described

below; or

(b) the surrender of the Policy; or

(c) the end of the Policy Grace Period during which premiums

sufficient for the required deductions are not paid,

provided the No Lapse Guarantee is not available; or

(d) the end of the No Lapse Guarantee Period, provided the

No Lapse Guarantee is available and in effect; or

(e) the end of the No Lapse Guarantee Grace Period during

which premiums sufficient to maintain the No Lapse Guarantee

are not paid; provided the No Lapse Guarantee is available

and in effect; or

(f) the date We receive notification In Writing of the death

of the Insured. In this event, Your Death Benefit will not

be affected by any Monthly Deduction Amounts taken after the

date of the Insured's death and before We receive due proof

of death.

SCHEDULED MATURITY DATE

The Scheduled Maturity Date is the last date on which You may

elect to pay premium. Unless You elect to continue the Policy

beyond this date, the Policy will terminate and any Cash

Surrender Value will be paid to You.

If elected, the Policy may continue in force after the

Scheduled Maturity Date subject to the following conditions:

(a) the Policy must be in force on the Scheduled Maturity

Date;

(b) the Owner including any assignee of record must agree In

Writing to this continuation.

If any of the above conditions are not met, the Policy, if

still in force, will terminate on the Scheduled Maturity Date.

After the Scheduled Maturity Date:

(a) the Death Benefit will be reduced to the Account Value;

(b) the Account Value, if any will continue to be valued as

described in the Account Value, Cash Value and Cash

Surrender Value provision;

(c) any loans that are in effect on the Scheduled Maturity

Date will continue to accrue interest and become part of any

Indebtedness;

(d) No future Monthly Deduction Amounts will be deducted from

Your Account Value;

(e) No further premiums will be accepted.

All additional benefits provided by rider will deem to have

terminated at the Scheduled Maturity Date.

1154(19/20) Page 20 Printed in U.S.A.

INCOME AVAILABILITY

SETTLEMENT All or parts of the proceeds of the Policy may, instead of being

OPTIONS paid in one sum, be left with Us under any one or a combination

of the following options, subject to Our minimum amount

requirements on the date of election.

We will pay interest of at least 3% per year (or higher, if

required by state law) on the Death Proceeds from the date of

the Insured's death to the date payment is made or an Income

Settlement Option is elected. These proceeds are then no

longer subject to the investment experience of a Separate

Account.

If any payee is a corporation, partnership, association,

assignee, or fiduciary, an option may be chosen only with

Our consent. Option 4 is not available to any payee whose

age exceeds 90.

DESCRIPTION OF TABLES

The options shown below and on the next page are based on

interest at a guaranteed rate of 3% per year. Payments under

Option 4 are based on mortality according to the 1983a

Individual Annuity Mortality Table, with ages set back one

year.

EXCESS INTEREST

We may pay or credit excess interest of such amount and in

such manner as We determine.

DEATH OF PAYEE

If the payee dies while receiving payments under one of the

options below, We will pay the following:

(a) Any principal and accrued interest remaining unpaid under

Option 1 or 2.

(b) The value of remaining unpaid guaranteed payments, if

any, under Option 3 or 4, commuted using interest of 3% per

year.

Any such amount will be paid in one sum to the payee's estate.

OTHER OPTIONS

To convert the monthly payments shown in the tables for

Options 3 and 4 to quarterly, semi-annual or annual payments,

multiply by the following factors:

PAYMENT INTERVAL FACTOR

Quarterly 2.99

Semi-annual 5.96

Annual 11.84

Other options may be arranged with Our consent.

OPTION 1 - INTEREST INCOME

Payments of interest at the rate We declare, but not less

than 3% per year, on the amount left under this option.

OPTION 2 - INCOME OF FIXED AMOUNT

Equal payments of the amount chosen until the amount left

under this option, with interest of not less than 3% per

year, is exhausted. The final payment will be for the

balance only.

1154(21/22) Page 21 Printed in U.S.A.

INCOME OPTION 3 - INCOME FOR FIXED PERIOD

SETTLEMENT Payments, determined from the table below, are guaranteed for

OPTIONS the number of years chosen. The first payment will be due on

(CONTINUED) the date proceeds are applied under this option.

Monthly Payments Monthly Payments

Number per $1,000 of Number per $1,000 of

of Years Proceeds of Years Proceeds

1 $84.47 10 $9.61

2 42.86 15 6.87

3 28.99 20 5.51

4 22.06 25 4.71

5 17.91 30 4.18

OPTION 4 - LIFE INCOME

Payments, determined from the table shown below for the

option elected, are based on the payee's sex and age nearest

birthday on the day the first payment becomes due. The first

payment will be due on the date proceeds are applied under

this option. The Life Income available are:

(a) Payments only while the payee is alive.

(b) Payment guaranteed for 10 years; then continuing while

the payee is alive.

Monthly Payments per $1,000 of Proceeds

Option 4A Option 4B Option 4A Option 4B

Payee's Life Only 10 Yrs. Certain Payee's Life Only 10 Yrs. Certain

Age Male Female Male Female Age Male Female Male Female

20 $3.02 $2.92 $3.01 $2.92 68 $6.51 $5.68 $6.12 $5.50

25 3.12 3.00 3.12 3.00 69 6.74 5.85 6.28 5.65

30 3.25 3.10 3.24 3.10 70 6.98 6.04 6.44 5.80

35 3.41 3.23 3.40 3.23 71 7.24 6.25 6.61 5.97

40 3.61 3.39 3.60 3.38 72 7.51 6.47 6.79 6.14

45 3.87 3.59 3.85 3.58 73 7.81 6.72 6.96 6.32

50 4.19 3.85 4.15 3.83 74 8.12 6.98 7.14 6.50

51 4.27 3.91 4.22 3.89 75 8.46 7.26 7.32 6.69

52 4.35 3.97 4.30 3.95 76 8.83 7.57 7.50 6.89

53 4.43 4.03 4.37 4.01 77 9.22 7.90 7.68 7.09

54 4.51 4.10 4.45 4.08 78 9.64 8.27 7.85 7.29

55 4.61 4.18 4.54 4.15 79 10.09 8.66 8.02 7.50

56 4.70 4.25 4.63 4.22 80 10.57 9.08 8.18 7.70

57 4.80 4.34 4.72 4.30 81 11.08 9.54 8.33 7.89

58 4.91 4.42 4.82 4.38 82 11.63 10.04 8.48 8.08

59 5.03 4.52 4.92 4.47 83 12.22 10.59 8.62 8.27

60 5.15 4.62 5.03 4.56 84 12.84 11.18 8.75 8.44

61 5.28 4.72 5.15 4.66 85 13.50 11.81 8.86 8.60

62 5.43 4.83 5.27 4.76 86 14.19 12.50 8.97 8.74

63 5.58 4.95 5.39 4.87 87 14.93 13.24 9.07 8.87

64 5.74 5.08 5.53 4.98 88 15.71 14.04 9.16 8.99

65 5.91 5.21 5.67 5.10 89 16.53 14.89 9.24 9.09

66 6.10 5.36 5.81 5.23 90 17.40 15.79 9.31 9.18

67 6.30 5.51 5.96 5.36

1154(21/22) Page 22 Printed in U.S.A.