EXHIBIT 1.A.(13)(b)

RIDER FOR PAYMENT OF INVESTED PREMIUM AMOUNT BENEFIT UPON INSUREDS TOTAL
DISABILITY

This benefit is a part of this contract only if it is listed on a contract data
page.

Total Disability Benefit
Subject to the conditions and exceptions stated below, after we have approved a
claim, we will pay invested premiums amounts into the contract fund on each
monthly date while the Insured is totally disabled.  The amounts of these
payments will equal the greater of (A) the amounts shown under the Schedule of
Disability Benefits in this rider, and (B) the total of all charges deducted on
each monthly date as shown under Adjustments to the Contract Fund. This is
subject to all the provisions of this rider and the rest of this contract.
Payments made by us will be used to increase the accumulated premiums described
in Death Benefit Guarantee.  The Schedule of  Disability Benefits in this rider
will change if (1) we approve your request to change the basic insurance amount,
(2) you change the type of death benefit, (3) you make a withdrawal that would
cause us to change the basic insurance amount or (4) you change or cancel any
rider for which we show a charge under Adjustments to the Contract Fund. We will
send you a new Schedule of Disability Benefits showing the recomputed amount(s)
and the effective date of the change.

Total Disability Defined
When we use the terms total disability and totally disabled in this benefit we
mean that:  (1) until the Insured has stayed totally disabled for two years, the
Insured cannot, due to sickness or injury, perform any of the duties of his or
her regular occupation; but (2) after the Insured has stayed totally disabled
for two years, the Insured cannot, due to sickness or injury, perform any
gainful work for which the Insured is reasonably fitted by education, training
or experience.

Except for what we state in the next sentence, we will at no time regard an
Insured as totally disabled who is doing gainful work for which the Insured is
reasonably fitted by education, training, or experience.  We will regard an
Insured as totally disabled, even if working or able to work, if the Insured
incurs, during a period in which premiums are eligible to be paid by us as we
describe below, one of the following:  (1) permanent and complete blindness of
both eyes; or (2) physical severance of both hands at or above the wrists or
both feet at or above the ankles; or (3) physical severance of one hand at or
above the wrist and one foot at or above the ankle.

Invested Premiums Amounts Eligible To Be Paid By Us
If the Insured becomes totally disabled before the first contract anniversary on
or  following the Insured's 60th birthday and that total disability begins:  (1)
on or after the first contract anniversary on or following the Insured's 5th
birthday, if the contract date was before that birthday; or (2) on or after the
contract date, if that date was on or after the Insured's 5th birthday, we will
make payments under this benefit on each monthly date while the Insured remains
totally disabled.

If the Insured becomes totally disabled on or after the first contract
anniversary on or after the Insured's 60th birthday, we will not make any
payments during that period of total disability.

Conditions
We will not pay any premiums into the contract  until we approve a claim.  Once
approved, we will pay into the contract as of each monthly date the invested
premium amount as described under Total Disability Benefit for monthly dates on
and after the onset of total disability and through the date of approval.

Before we will approve a claim, all of these conditions must be met:  (1) The
Insured must become totally disabled while this contract is in force and not in
default past the last day of the grace period; (2) The Insured must be totally
disabled for a period of at least six continuous months while living; (3) We
must receive proof of total disability in a form satisfactory to us.

Exceptions
We will not pay any premiums into the contract if the Insured becomes totally
disabled from:  (1) an injury the Insured causes to himself or herself, on
purpose; or (2) sickness or injury due to service on or after the date of this
rider in the armed forces of any country(ies) at war.  The word war means
declared or undeclared war and includes resistance to armed aggression.



VL 100 B 2000


                                                             EXHIBIT 1.A.(13)(b)

Successive Disabilities
Here is what happens if the Insured has at least one payment made by us while
totally disabled, then gets well, and then becomes totally disabled again.  In
this case, we will not apply the six-month continuous disability period that
would otherwise be required by Condition (2) and will consider the second period
of total disability to be part of the first period unless:  (A) the Insured has
done gainful work, for which the Insured is reasonably fitted, for at least six
months between the periods; or (B) the Insured became totally disabled the
second time from an entirely different cause.

If we do not apply the six-month period required by Condition (2), we also will
not count the days when there was not total disability as part of the two year
period when total disability means the Insured cannot do any of the duties of
the Insured's regular occupation.

Notice and Proof of Claim
Notice and proof of any claim should be given to us, if possible, while the
Insured is living and totally disabled.  We may also require proof from time to
time that the Insured is still totally disabled.  After the Insured has been
continuously totally disabled for two years, we will not ask for proof of
continued total disability more than once a year; and we will require no further
proof of continued total disability after the first contract anniversary
following the Insured's 65th birthday if the Insured has then been continuously
totally disabled for at least five years.  As a part of any proof, we have the
right to require that the Insured be examined at our expense by doctors of our
choice.

Benefit Charges
The monthly charge for this benefit is deducted on each monthly date from the
contract fund.  The amount of that charge is described under Adjustments to the
Contract Fund. If we approve a claim for this benefit, benefit charges will be
waived while the Insured is totally disabled.

Premiums Paid During Total Disability
You may make premium payments if you wish, as provided in the Premium Payment
section of the contract even when we are making payments under this benefit.

When We Will Stop Paying Premiums
We will stop paying  premiums if:  (1) total disability ends; or (2) we ask for
proof that the Insured is totally disabled and we do not receive it by the date
requested; or (3) we require that the Insured be examined and the Insured fails
to do so.

Termination
This benefit will end on the earliest of:

        the end of the grace period if the contract is in default;
        the end of the day before the first contract anniversary on or following
        the Insured's 60th birthday unless the Insured is totally disabled at
        that time;
        the date the contract ends for any other reason.

This Supplementary Benefit rider attached to this contract on the Contract Date



VL 100 B 2000