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

       WAIVER OF MONTHLY DEDUCTIONS BENEFIT RIDER FOR THE PRIMARY INSURED

               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 apply to this RIDER unless changed by this RIDER.

                                   DEFINITIONS

TOTAL DISABILITY/TOTALLY DISABLED.  The inability of the PRIMARY INSURED to
perform the material and substantial duties of his/her regular occupation for
pay or profit.  Such inability must:
    1. be the result of an injury or disease;
    2. start after the ISSUE DATE and between the ATTAINED AGES of five and 60
       inclusive;
    3. exist for six consecutive months.

If the PRIMARY INSURED is TOTALLY DISABLED for 24 months or more, the PRIMARY
INSURED will be considered to be TOTALLY DISABLED only if he/she is unable to
perform the material and substantial duties of any occupation for which
he/she is reasonably fitted by means of:
    1. education;
    2. training; and
    3. experience.

Occupation includes:
    1. if the PRIMARY INSURED is a homemaker who is not otherwise employed,
       the performance of household duties; or
    2. if the PRIMARY INSURED has not reached the age when he/she is legally
       permitted to end formal education, regular attendance at school.

TOTAL DISABILITY also includes the following total and irrecoverable losses
even if the PRIMARY INSURED is able to work:
    1. the sight of both eyes;
    2. the use of both hands;
    3. the use of both feet; or
    4. the use of one hand and one foot.

                               GENERAL PROVISIONS

BENEFIT.  WE will waive certain MONTHLY DEDUCTIONS for the BASE POLICY and
any RIDERS to which this RIDER applies if:
    1. WE receive written proof, satisfactory to US, of the PRIMARY INSURED'S
       TOTAL DISABILITY;
    2. the PRIMARY INSURED becomes TOTALLY DISABLED while this RIDER is in
       force; and
    3. the PRIMARY INSURED is TOTALLY DISABLED for six consecutive months

If, while the BASE POLICY and this RIDER are in force, the PRIMARY INSURED
becomes TOTALLY DISABLED again after having been TOTALLY DISABLED before, the
new TOTAL DISABILITY will be considered a continuation of the old TOTAL
DISABILITY unless:
    1. the TOTAL DISABILITY is due to an entirely different cause; and
    2. the PRIMARY INSURED has performed all of the material and substantial
       duties of a gainful occupation for six consecutive months or more
       between the periods of TOTAL DISABILITY.

EXCLUSIONS AND LIMITATIONS.  WE will not waive MONTHLY DEDUCTIONS if the
TOTAL DISABILITY results directly or indirectly from:
    1. intentionally self-inflicted injury;
    2. any attempt at suicide, while sane or insane;
    3. war; or service in the military, naval or air forces of any country or
       international organization at war, whether declared or undeclared; or
       any conflict between armed forces.


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WE will not waive MONTHLY DEDUCTIONS if the TOTAL DISABILITY begins within five
years from the ISSUE DATE shown in the Schedule or on an endorsement if later
changed if:
    1. such TOTAL DISABILITY resulted from injury or disease sustained
       or contracted before the ISSUE DATE; and
    2. the PRIMARY INSURED received medical or surgical treatment for such
       condition before the date of his/her APPLICATION; and
    3. the PRIMARY INSURED did not disclose such treatment on his/her
       APPLICATION.

Certain provisions of the BASE POLICY will be limited during the PRIMARY
INSURED'S TOTAL DISABILITY, as follows:
    1. the DEATH BENEFIT Option may not be changed; and
    2. the SPECIFIED AMOUNT may not be changed, except as provided by any
       Guaranteed Purchase Option Rider of the BASE POLICY.

PROOF OF DISABILITY.  Before WE waive any MONTHLY DEDUCTION, We must receive
written proof of a TOTAL DISABILITY at the ADMINISTRATIVE SERVICE CENTER
during:
    1. the PRIMARY INSURED'S lifetime; or
    2. the continuance of the PRIMARY INSURED'S TOTAL DISABILITY.

WE must receive proof within one year from the date that the PRIMARY
INSURED'S TOTAL DISABILITY began. WE may still waive certain MONTHLY
DEDUCTIONS even if WE do not receive such proof in the time allowed, if the
PRIMARY INSURED shows US that it was not reasonably possible to provide proof
in the time allowed. Proof must however, be provided as soon as reasonably
possible.

PROOF OF CONTINUANCE OF TOTAL DISABILITY. At OUR request, the PRIMARY INSURED
must furnish periodic written proof that his/her TOTAL DISABILITY has
continued without interruption. Upon receiving such proof, WE have the right
to request that the PRIMARY INSURED be examined by a physician of OUR choice.
After two years of TOTAL DISABILITY, WE may require proof of such TOTAL
DISABILITY not more than once a year. WE will pay the cost of any exam that
WE require. If WE do not receive such proof, WE will not continue to waive
MONTHLY DEDUCTIONS.

PREMIUM. The OWNER must pay an amount sufficient to keep the BASE POLICY in
force until WE receive proof that the PRIMARY Insured is TOTALLY DISABLED.
Any MONTHLY DEDUCTION covered by this RIDER that is taken while the PRIMARY
INSURED is TOTALLY DISABLED, will be credited to the CASH VALUE when WE
receive proof satisfactory to US of the PRIMARY INSURED'S TOTAL DISABILITY.
If TOTAL DISABILITY begins prior to the end of the grace period, WE will
allow this benefit even though the premium is not paid on time.

Waiver of MONTHLY DEDUCTIONS under this RIDER may not keep the BASE POLICY in
force, if on any MONTHLY DEDUCTION DAY the SURRENDER VALUE is not enough to
cover any MONTHLY DEDUCTION not covered under this RIDER and any loan
interest due.

INCONTESTABILITY. WE cannot contest this RIDER after it has been in force
during the lifetime of the PRIMARY INSURED for two years from the Rider
Effective Date shown on the Schedule, excluding any period of time that the
PRIMARY INSURED has been TOTALLY DISABLED. WE cannot contest any
reinstatement of this RIDER after it has been in force during the lifetime of
the PRIMARY Insured for two years from the date WE approve a reinstatement.

REINSTATEMENT.  Within five years after the date this RIDER terminated, the
OWNER may apply for reinstatement if:
    1. the BASE POLICY is also being reinstated;
    2. WE receive proof satisfactory to US that the PRIMARY INSURED is
       insurable by OUR standards;
    3. premium is paid as required by the BASE POLICY'S Reinstatement provision;
    4. the PRIMARY INSURED is alive on the date WE approve the request for
       reinstatement.  If the PRIMARY INSURED is not alive, such approval is
       void and of no effect.

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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.

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 60;
    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.

If the PRIMARY INSURED was TOTALLY DISABLED prior to ATTAINED AGE 60, WE will
continue to waive the MONTHLY DEDUCTION until the PRIMARY INSURED is no
longer TOTALLY DISABLED or he/she reaches ATTAINED AGE 95.

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












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