AMERICAN FAMILY LIFE INSURANCE COMPANY
                               6000 AMERICAN PKWY
                              MADISON WI 53783-0001
                                  888 428 5433


                           CHILDREN'S INSURANCE RIDER

               FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE

This RIDER is attached to and becomes a part of the BASE POLICY and is subject
to the conditions and provisions of the BASE POLICY. All such conditions and
provisions of the Base Policy apply to this RIDER unless changed by this RIDER.

                                   DEFINITIONS

BENEFICIARY.  THE PRIMARY INSURED IS THE BENEFICIARY.  If the PRIMARY INSURED
is not living, the BENEFICIARY is the estate of the CHILD INSURED.

CHILD INSURED. Any natural child, stepchild, or legally adopted child of the
PRIMARY INSURED who is less than 18 years old on the ISSUE DATE of this RIDER.

A CHILD INSURED must also:
     1.  be named in the APPLICATION for this RIDER and be accepted by US for
         coverage under this RIDER; or
     2.  be born to the PRIMARY INSURED after the date of application; or
     3.  be legally adopted by the PRIMARY INSURED after the date of
         application. Evidence of insurability, satisfactory to US, must be
         provided to US during the lifetime of the PRIMARY INSURED; or
     4.  become a stepchild of the PRIMARY INSURED after the date of
         application. Evidence of insurability, satisfactory to US, must be
         provided to US during the lifetime of the PRIMARY INSURED.

Any child born to the PRIMARY INSURED after the date of application is
covered under this RIDER on the later of:
     1.  the date the child is fourteen days old; or
     2.  the date the child is released from the hospital following birth.

OWNER. The OWNER of the Policy is also the OWNER of this RIDER, subject to
the conditions and provisions of the Policy, except that the conversion right
under this RIDER and the conversion right under the Paid-Up Term To Age 25
life insurance coverage, may be exercised only by the CHILD INSURED.

                               GENERAL PROVISIONS

BENEFITS PAYABLE. WE will pay the benefit amount in force on the life of the
CHILD INSURED as shown on the Schedule, to the BENEFICIARY when WE receive at
OUR HOME OFFICE:
     1.  written proof satisfactory to US of the CHILD INSURED's death; and
     2.  written proof satisfactory to US that the CHILD INSURED's death
         occurred while coverage under this RIDER was in force on such
         CHILD INSURED.

If this RIDER is added subsequent to the ISSUE DATE of the Policy, the
benefit amount is shown on the endorsement for coverage issued for this
RIDER. If a child is named as a CHILD INSURED under more than one Children's
Insurance RIDER with US, benefits are payable only under one RIDER.

PREMIUM. The premium for this RIDER is shown on the Schedule. If this RIDER
is added subsequent to the ISSUE DATE of the Policy, the premium is shown on
the endorsement for coverage issued for this RIDER. (For additional
information, see the Premium provision in the Policy.)

PAID-UP TERM TO AGE 25 LIFE INSURANCE.  Each CHILD INSURED under this RIDER
will receive Paid-Up Term To Age 25 life insurance coverage if:
     1.  the PRIMARY INSURED dies while this RIDER is in force; and
     2.  We receive written proof that the CHILD INSURED was covered under
         this RIDER on the date of the PRIMARY INSURED'S death.


                                                                     Page 1 of 2


The Paid-Up Term To Age 25 life insurance coverage terminates on the earlier of:
     1.  the date the CHILD INSURED reaches ATTAINED AGE 25; or
     2.  the date the CHILD INSURED converts the Paid-Up Term To Age 25 life
         insurance coverage.

CONVERSION. If the CHILD INSURED is between ATTAINED AGE 21 and ATTAINED AGE
25, he/she may convert the coverage provided under this RIDER, without
evidence of insurability to any plan of insurance permitted under OUR rules
then in effect. The APPLICATION for conversion must be in writing and must be
sent to THE ADMINISTRATIVE SERVICE CENTER. The CHILD INSURED must convert
such coverage on or before the RIDER anniversary date nearest the date the
CHILD INSURED reaches ATTAINED AGE 25. If We do not receive an APPLICATION
for conversion on or before the RIDER anniversary date nearest the date the
CHILD INSURED reaches ATTAINED AGE 25, then such coverage terminates and the
CHILD INSURED cannot convert. The Conversion Policy is issued at premium
rates then in use for the ATTAINED AGE of the CHILD INSURED being covered and
for the UNDERWRITING CLASS used for the CHILD INSURED under this RIDER. The
Conversion Policy is dated as of the date the coverage under this RIDER
terminates. RIDERS and supplemental benefits may be included in the
Conversion Policy only if evidence of insurability satisfactory to US is
provided. In no event are benefits payable under both this RIDER (or the
Paid-Up To Age 25 life insurance coverage) and the Conversion Policy. The
amount of coverage for the conversion policy must be at least $10,000 but not
more $50,000. Any CHILD INSURED exercising the conversion right under this
RIDER is not covered under this RIDER at a later date. The conversion right
under this RIDER may be exercised only once for each CHILD INSURED.

INCONTESTABILITY, SUICIDE AND MISSTATEMENT OF AGE OR SEX/GENDER. The
Incontestability, Suicide and Misstatement of Age or Gender provisions of the
BASE POLICY are hereby modified to include any CHILD INSURED under this
RIDER. If this RIDER is included on the ISSUE DATE of the BASE POLICY, the
INCONTESTABILITY AND SUICIDE provisions are measured from the ISSUE DATE of
the BASE POLICY. If this RIDER is added subsequent to the ISSUE DATE of the
BASE POLICY, the INCONTESTABILITY AND SUICIDE provisions are measured from
the ISSUE DATE of this RIDER.

REINSTATEMENT. If the OWNER applies to reinstate the BASE POLICY, WE must
receive evidence of insurability satisfactory to US for the PRIMARY INSURED
and each CHILD INSURED. If the evidence of insurability is not satisfactory
to US, then the BASE POLICY and this RIDER will not be reinstated.

WAIVER. Benefits under the Waiver of Monthly Deductions Benefit Rider will
apply while the Policy and this RIDER are in full force and the Waiver of
Monthly Deductions Benefit Rider is in effect for this RIDER.

RIDER EFFECTIVE DATE.  This RIDER takes effect as of the Rider Effective Date
shown on the Schedule.  If this Rider is subsequently added to the BASE
POLICY, the Rider Effective Date will be shown on an endorsement.  The Rider
Effective Date determines each:
     1.  RIDER year;
     2.  RIDER anniversary; and
     3.  RIDER month.

TERMINATION OF COVERAGE FOR CHILD INSURED UNDER THIS RIDER. Coverage for each
CHILD INSURED under this RIDER terminates on the earliest of:
     1.  the date of any conversion of coverage under this RIDER;
     2.  the RIDER anniversary date nearest the date the CHILD INSURED reaches
         ATTAINED AGE 25; or
     3.  the date the CHILD INSURED no longer meets the definition of a
         CHILD INSURED.

RIDER TERMINATION DATE.  This RIDER terminates on the earliest of:
     1.  12:00 AM on the RIDER anniversary date nearest the PRIMARY INSURED'S
         ATTAINED AGE 75;
     2.  the date the BASE POLICY terminates subject to the conditions and
         provisions of the BASE POLICY; or
     3.  the date the BASE POLICY is surrendered by the OWNER.

The OWNER may cancel this RIDER at any time by sending a written request to
the ADMINISTRATIVE SERVICE CENTER. Such cancellation takes effect on THE
MONTHLY DEDUCTION DAY following the date the written request is received at
the ADMINISTRATIVE SERVICE CENTER, unless a later date is requested.



                 President                   Secretary


                                                                     Page 2 of 2