AMENDMENT
                      to the Reinsurance Agreements between
               CUNA MUTUAL LIFE INSURANCE COMPANY of Waverly, Iowa
                                   ("COMPANY")

                                       And

     SWISS RE LIFE AND HELTH AMERICA INC., a Connecticut domiciled insurer,
                                 ("REINSURER").

The Amendment to the Reinsurance Agreements between CUNA MUTUAL LIFE INSURANCE
COMPANY and SWISS RE LIFE AND HEALTH AMWRICA INC. executed by the parties on
June 24 ,2002,and June 28,2002, respectively, is hereby amended and restated as
follows:

All existing Reinsurance Agreements (the" Agreements") between CUNA Mutual life
Insurance Company ("COMPANY") and Swiss Re Life and Health America Inc.
("REINSURER"),including Agreements between COMPANY and The Lincoln National Life
Insurance Company for which risk has been ceded to REINSURER, are hereby amended
by the addition of the following Article of Confidentiality and Sharing of
Customer Information:

ARTICLE OF CONFIDENTIALITY AND SHARING OF CUSOMER INFORMATION

The parties acknowledge and agree that it may be necessary for COMPANY to share
customer information ("Customer Information") with REINSURER in order for
REINSURER to meet its obligations the Agreements. With respect to the sharing,
use and Protection of Customer Information, REINSURER agrees to the following:

(a)  Confidentiality and Restrictions on Redisclosure of customer Information.
     REINSURER agrees to hold in strict confidence Customer Information
     obtained from COMPANY during the Agreements. REINSURER agrees not to
     disclose Customer Information, in any from or medium, to any affiliated or
     nonaffiliated person, firm or corporation except as necessary to Perform
     services under the Agreements or as may be required or permitted by law.
     The parties acknowledge and agree that disclosing Customer Information to
     effectuate, services or administer a Customer transaction shall not be
     considered a breach of the confidentiality obligations created hereunder.
     TO the extent that REINSURER contracts with a third party that obtains
     Customer Information in order to provide services under the Agreements,
     REINSURER agrees to obtain contractual confidentiality protections to
     require the third party to hold Customer Information in strict confidence
     and not disclose it to any person unless permitted or required by law.
     REINSURER agrees to comply with applicable privacy laws and regulations
     including and not limited to, the Gramm-Leach-Bliley Act, Public law
     106-102 (1999) as set forth in 15 U.S.C.A. [SEC]6802, as amended and to
     comply with applicable changes in such laws and regulations as these occur
     and become effective.

(b)  Use of Customer Information. REINSURER agrees to use Customer Information
     only to provide services hereunder and not to use such information for any
     other purpose.

(c)  Obligation to Maintain Security over Customer Information. REINSURER
     agrees to implement and maintain reasonable and customary security
     measures to safeguard Customer Information. Such measures shall include,
     but not be limited to, requiring employees who will have access to such
     information to agree to the confidentiality requirements of this Article.

(d)  Confidentiality Obligations Survive Termination of the Agreement. The
     obligations of REINSURER set forth in this Article Shall survive the
     termination of the Agreements.

In Witness Whereof, the undersigned parties have executed this Amendment to be
effective July 1, 2001.

CUNA MUTUAL LIFE INSURANCE COMPANY        SWISS RE LIFE AND HEALTH AMERICA INC.

BY: /s/ Michael A. Hulme                  BY: /s/ Thomas L. Spurling
   ------------------------------            ---------------------------
NAME: Michael A. Hulme                    NAME: Thomas L. Spurling
     ----------------------------              -------------------------
TITLE: VP, Life & Health Products         TITLE: 2nd VP
      ---------------------------               ------------------------
DATE: 3/4/03                              DATE: 3-14-03
     ----------------------------              -------------------------