Exhibit 1.A.(13)(b)


RIDER FOR FLEXIBLE TERM INSURANCE BENEFIT
ON LIFE OF INSURED

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

Rider Death Benefit

We will pay an amount under this benefit if we receive due proof that the
Insured died; (1) in the term period for this benefit; and (2) while this
contract is in force and not in default past the last day of the grace period.
The term period starts on the contract date. The term period ends on the
contract anniversary on or after the Insured's one hundredth birthday. Our
payment is subject to all the provisions of the benefit and of the rest of the
contract.

To determine the rider death benefit on any date, we first take the effective
Target Coverage Amount shown in the Life Insurance on the Insured section of the
contract data pages and subtract from it the death benefit as calculated in the
Death Benefit provision. If this contract has a Type A death benefit (see Type
of Death Benefit in the contract data pages) , the resultant amount is the rider
death benefit. If this contract has a Type B death benefit, the rider death
benefit is the resultant amount plus the contract fund before deduction of any
monthly charges due on that date. If this contract has a Type C death benefit,
the rider death benefit is the resultant amount plus the total premiums paid
minus total withdrawals to this contract. The total premiums paid will not
include any charge to reinstate this contract as described under Reinstatement.

If the rider death benefit is less than zero, we consider it to be zero.

Rider Charges

On each monthly date, we will deduct a charge for this rider from the contract
fund. To determine the maximum charge for this rider, we use the following
method:

We determine the maximum cost of insurance rate for each currently effective
rider coverage segment amount shown in the Segment Table in the contract data
pages using the maximum monthly rate shown under the Table of Maximum Monthly
Insurance Rates for the appropriate rating class. If there is only one rider
coverage segment amount currently in effect, we multiply the rate by the rider
death benefit amount divided by $1000.

If there are two or more rider coverage segment amounts currently in effect, we
first allocate the rider death benefit amount to each rider coverage segment
based on the proportion of its rider coverage amount to the total of all rider
coverage amounts currently in effect. We multiply the rate by the apportioned
rider death benefit amount for each rider segment component amount divided by
$1000 and add the results.

We will also deduct a monthly administrative charge for this rider as shown
under Adjustments to the Contract Fund.

Requested Changes in Rider Coverage Amount

You may change the Rider Coverage Amount, while this rider is in force, subject
to our approval and the following conditions:

1.    You must ask for the change in a form that meets our needs.

2.    The change must be one permitted by our current underwriting rules.

3.    The amount of an increase or decrease must be at least equal to the
      minimum increase or decrease in the Rider Coverage Amount shown under
      Contract Limitations in the contract data pages

4.    The Rider Coverage Amount after a decrease must be at least equal to the
      minimum Rider Coverage Amount shown under Contract Limitations in the
      contract data pages.

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5.    If we ask you to do so, you must send us the contract to be endorsed.

6.    You must prove to us that the Insured is insurable for any increase.

7.    The contract must not be in default.

8.    We may deny an increase if it would cause the number of segments shown in
      the Segment Table in the contract data pages to exceed ninety-nine.

A change will take effect only if we approve your request for it at our Home
Office. Unless you ask us otherwise, the change will take effect on the monthly
date immediately following the date we approve the change. You may request an
earlier date, but it may not be more than 90 days prior to the date of request.
If we approve the change, we will also recompute the contract's charges, values
and limitations. We will send you new contract data pages showing the amount and
effective date of the change and the recomputed charges, values and limitations.
If the Insured is not living on the effective date, the change will not take
effect. We may deduct the administrative charge (shown under Adjustments to the
Contract Fund) for the change.

Suicide

The Suicide Exclusion provision of the contract applies to this rider as issued.

If the Insured, whether sane or insane, dies by suicide after two years from the
issue date but within two years of the effective date of an increase in the
Rider Coverage Amount, we will pay, as to the increase in the Rider Coverage
Amount, no more than the sum of the premiums paid on and after the effective
date of the increase.

Termination

This rider will end on the earliest of:

1.    the end of its term period;

2.    the end of the grace period if the contract is in default and the premium
      required to bring it out of default has not been paid;

3.    the date the contract is surrendered for its net cash value if it has one;
      and

4.    the date the contract ends for any other reason.

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

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