EX-99.4h

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                                         JACKSON NATIONAL LIFE INSURANCE COMPANY
                                                                 A STOCK COMPANY

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                      COMBINATION DEATH BENEFIT ENDORSEMENT

THIS  ENDORSEMENT  IS MADE A PART OF THE CONTRACT TO WHICH IT IS ATTACHED AND IS
EFFECTIVE  ON THE ISSUE DATE.  TO THE EXTENT ANY  PROVISIONS  CONTAINED  IN THIS
ENDORSEMENT ARE CONTRARY TO OR INCONSISTENT  WITH THOSE OF THE CONTRACT TO WHICH
IT IS ATTACHED,  THE PROVISIONS OF THIS ENDORSEMENT  WILL CONTROL.  THE BENEFITS
DESCRIBED IN THIS ENDORSEMENT WILL CEASE UPON TERMINATION OF THE CONTRACT.  THIS
COMBINATION  DEATH  BENEFIT  MAY ONLY BE ELECTED  PRIOR TO THE ISSUE  DATE.  THE
CONTRACT IS AMENDED AS FOLLOWS:

1.   The CONTRACT DATA PAGE is amended by the addition of the following:

"COMBINATION DEATH BENEFIT CHARGE:    On an  annual  basis,  this charge  equals
                                      [0.25]% of  the daily  net  asset value of
                                       the Investment Divisions."

2.   The DEATH BENEFIT  AMOUNT  BEFORE THE INCOME DATE  provision is deleted and
     replaced with the following:

"DEATH  BENEFIT AMOUNT BEFORE THE INCOME DATE. The death benefit is equal to the
greatest of:
1.   the current Contract Value;
2.   all Premiums paid into the Contract (net of any applicable premium taxes);
     a.   less any withdrawals (including any applicable charges and adjustments
          to such withdrawals),
     b.   less Annual Contract  Maintenance  Charges,  Transfer  Charges and any
          applicable charges due under any optional endorsement to the Contract,
          and
     c.   less any taxes incurred;
3.   all Premiums paid into the Contract (net of any applicable premium taxes);
     a.   less any withdrawals (including any applicable charges and adjustments
          for such withdrawals),
     b.   less Annual Contract  Maintenance  Charges,  Transfer Charges, and any
          applicable charges due under any optional endorsement to the Contract,
          and
     c.   less any taxes  incurred,  compounded at an annual interest rate of 5%
          (4% if the Owner was age 70 or older on the Issue Date);
4.   the Contract Value at the end of the 7th Contract Year;
     a.   plus all Premiums (net of any applicable premium taxes) paid since the
          end of the 7th Contract Year,
     b.   less any withdrawals (including any applicable charges and adjustments
          for such withdrawals) incurred since the end of the 7th Contract Year,
     c.   less Annual Contract  Maintenance  Charges,  Transfer Charges, and any
          applicable charges due under any optional  endorsement to the Contract
          deducted since the end of the 7th Contract Year, and
     d.   less  any  taxes  incurred  since  the end of the 7th  Contract  Year,
          compounded  at an annual  interest rate of 5% (4% if the Owner was age
          70 or older on the Issue Date); or

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5.   the  greatest  Contract  Value  on any  Contract  Anniversary  prior to the
     Owner's 81st birthday;
     a.   less  any   withdrawals   subsequent  to  that  Contract   Anniversary
          (including   any   applicable   charges  and   adjustments   for  such
          withdrawals),
     b.   plus any Premium paid (net of any applicable premium taxes) subsequent
          to that Contract Anniversary,
     c.   less any Annual Contract Maintenance Charge,  Transfer Charge, and any
          applicable charges due under any optional  endorsement to the Contract
          deducted subsequent to that Contract Anniversary, and
     d.   less any taxes deducted subsequent to that Contract Anniversary.

For  purposes  of  calculating  the  amounts in items 3, 4 and 5 above,  (a) all
adjustments  will  occur  at the time of the  withdrawal,  Premium  payment,  or
deductions of the Annual  Contract  Maintenance  Charge,  Transfer  Charge,  any
applicable  charges  due  to  optional   endorsements  or  taxes,  and  (b)  all
adjustments for amounts withdrawn will reduce items 3, 4 and 5 above in the same
proportion that the Contract Value was reduced on the date of such withdrawal.

The death  benefit  amount will be  determined as of the end of the Business Day
when due proof of the Owner's death  satisfactory to the Company and an election
as to the type of death benefit option is received by the Company at its Service
Center in Good Order.

In  determining  the  current  Contract  Value  (item 1 above)  to be paid  upon
distribution due to the Owner's death, the amount  attributable to Indexed Fixed
Options  will  be the  sum of the  Indexed  Fixed  Option  Values  on the  Index
Determination  Date  immediately  preceding  the date  the  Company  receives  a
complete request for payment in Good Order.

The death benefit amounts  determined  under item 3 and item 4 above shall never
exceed 250% of Premiums  paid into the Contract (net of any  applicable  premium
taxes),  less any withdrawals and any applicable  Contract  charges assessed and
adjustments to such withdrawals,  Annual Contract Maintenance Charges,  Transfer
Charges and any  applicable  charges due under any optional  endorsement  to the
Contract, and taxes incurred since the issuance of the Contract.

From  the  time of  death  of the  Owner  until  the  death  benefit  amount  is
determined,  any amount  allocated to an Investment  Division will be subject to
investment risk. This investment risk is borne by the Beneficiary(ies)."


                                        SIGNED FOR THE
                                        JACKSON NATIONAL LIFE INSURANCE COMPANY

                                        /s/ Clark P. Manning

                                        PRESIDENT AND CHIEF EXECUTIVE OFFICER


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