SF 750-1 Page 3 of 3                        [OBJECT OMITTED]
                                                ENHANCED DEATH BENEFIT RIDER


This rider is part of Your contract. All definitions, provisions, and exceptions
of the contract apply to this rider unless specifically changed by this rider.
The rider effective date is shown on the Data Page. In the case of a conflict
with any provision in the contract, the provisions of this rider will control.
The charge for this rider is shown on the Data Page.

RIDER BENEFIT

This rider provides you with the greater of the enhanced death benefit amount or
the death benefit described in the contract.

DEFINITION

LOCK-IN DATE is the Contract Anniversary following the oldest Owner's 75th
birthday or five years after this rider's effective date, whichever is later.

ENHANCED DEATH BENEFIT

Prior to the  Annuitization  Date, this rider provides an enhanced death benefit
equal to the greater of a. or b.  where:  a. is: 1. the total  premium  payments
made since the rider effective date increased at a 5% effective  annual interest
rate;  minus  2.  an  adjustment  for  each  partial  surrender  and/or  partial
annuitization  made since the rider  effective  date increased at a 5% effective
annual  interest  rate;  and b. is:  1.  the  highest  accumulated  value on any
Contract  Anniversary  since the rider effective date; plus 2. premium  payments
received  since  that  Contract  Anniversary;  minus 3. an  adjustment  for each
partial  surrender  and/or  partial   annuitization  made  since  that  Contract
Anniversary.

On and after the Lock-In Date, the amounts determined in a. and b. above will
only be increased by any premium payments made since the Lock-In Date, and
decreased by an adjustment for each partial surrender and/or partial
annuitization made since the Lock-In Date.

The lock-in does not prevent the death benefit from increasing in accordance
with the Death Benefit provision of the contract.

ADJUSTMENT FOR PARTIAL SURRENDERS AND/OR PARTIAL ANNUITIZATIONS

The adjustment for partial surrenders and/or partial annuitizations as described
in a. and b. above will reduce the death  benefit.  The  adjustment  for partial
surrenders and/or partial  annuitizations is computed as follows:  1. the amount
of the partial  surrender plus any  applicable  charges and/or the amount of the
partial annuitization;  divided by 2. the accumulated value immediately prior to
the partial surrender and/or partial annuitization; multiplied by 3. the amounts
determined in a. or b. above  immediately  prior to the partial surrender and/or
partial annuitization.





The charge for this rider is shown on the Data Page. The charge is a percent of
the average quarterly accumulated value and is deducted from the accumulated
value at the end of each calendar quarter. If this rider is purchased after the
beginning of a quarter, then the charge is pro-rated according to the number of
days it is in effect during the quarter.

If the rider is terminated, a pro-rated rider charge is deducted for the period
of time the rider was in effect until the date the rider terminates.








TERMINATION

This rider terminates on the earliest of the following:
1.       the date the contract Owner is changed; or
2.       the death of the Owner; or
3.       the date the contract terminates; or
4.   after the Lock-In Date, the date the death benefit described in the
     contract equals the enhanced death benefit under this rider; or
5.   the date We receive your request to cancel it in Our office.


REINSTATEMENT

If this rider terminates, it may not be reinstated.


[OBJECT OMITTED]

Principal Life Insurance Company
Des Moines, Iowa  50392-0001