Security First Life Insurance Company
                          11365 West Olympic Boulevard
                          Los Angeles, California 90064







ENHANCED DOLLAR COST AVERAGING RIDER

This  Rider  forms  a part of the  Contract  to  which  it is  attached,  and is
effective upon issuance. The terms of this Rider apply to the Contract when,






prior to the Annuity  Date,  Purchase  Payments  are  allocated  to the Enhanced
Dollar  Cost  Averaging  Account  (EDCA  Account)  that is a part of our General
Account.  In the case of a conflict  with any  provision  of the  Contract,  the
provisions of this Rider will control.

If you request to participate in the Enhanced Dollar Cost Averaging program,  we
will open an EDCA Account for you.  The EDCA Account will provide for  transfers
to any of the  Subaccounts of the Separate  Account over a 6 or 12 month period,
as you have  selected.  You may also  select any other time  period  that we may
declare. All Purchase Payments applied to this program will be allocated to your
EDCA Account. No transfers may be made into this Account.

Under the Enhanced Dollar Cost Averaging  program,  a specified dollar amount of
Account Value will be  transferred  on a monthly basis from your EDCA Account to
any of the  Subaccounts  of the  Separate  Account.  The initial  dollar  amount
transferred  will be equal to the initial amount  allocated to your EDCA Account
divided by the number of months in the time period you have selected.

The first transfer will be made on the date the Purchase Payment is allocated to
the EDCA Account. Subsequent transfers will be made each month thereafter on the
same day. However,  transfers will be made on the 1st day of the following month
for Purchase  Payments  allocated on the 29th,  30th or 31st day of a month.  If
such a day is not a  Business  Day the  transfer  will  take  place  on the next
Business Day.  Transfers  will continue on a monthly basis until all amounts are
transferred  from the EDCA  Account.  Your EDCA Account will be terminated as of
the last transfer.

The interest  rate earned on your EDCA  Account  will be the Minimum  Guaranteed
Interest Rate for our Fixed Account, plus any additional interest,  which we may
declare from time to time.

You can have only one dollar cost  averaging  account at any given time. You may
allocate  subsequent  Purchase  Payments  to your  existing  EDCA  Account.  The
allocation of subsequent Purchase Payments to an existing EDCA Account increases
the monthly dollar amount of Account Value  transferred and thereby  accelerates
the time period over which transfers are made. The new dollar amount transferred
out of the EDCA Account will be determined  by dividing  each new  allocation by
the number of months the EDCA  Account is based upon and adding  that  amount to
the  existing  transfer  amount.  Each  allocation  resulting  from a subsequent
Purchase Payment will earn interest at the then-current interest rate applied to
new  allocations  to an EDCA  Account  of the  same  monthly  term.  Allocations
resulting from each Purchase Payment,  along with the interest credited thereon,
will be transferred on a First-in-First-out (FIFO) basis.

If you terminate your participation in this program,  all money remaining in the
EDCA Account will be transferred to a Money Market Subaccount unless you specify
otherwise.

Security First Life Insurance  Company has caused this Rider to be signed by its
President and Secretary.


Form 7013 (11/00)