PORTFOLIO NAVIGATOR
                              MODEL PORTFOLIO RIDER

Pursuant to your application, you are enrolled in the Portfolio Navigator (PN)
program. This rider describes the PN program and is made a part of the annuity
contract to which it is attached. It changes the contract by adding certain
terms and provisions. This rider is subject to all of the provisions in the
annuity contract that do not conflict with the provisions of this rider. There
is an additional charge for this rider as described below. You can allocate
purchase payments and contract value to the same allocation options that make up
a particular model portfolio without purchasing this rider, and you may also
request automatic portfolio rebalancing without charge.

For the purposes of this rider the following definitions apply:

     "ALLOCATION OPTIONS" means the variable subaccounts, fixed account and, if
     applicable, guarantee period accounts available under this contract.

     "ALLOCATION PERCENTAGES" means the percentage of your total PN model values
     allocated to each allocation option within each model portfolio.

     "EXCLUDED ACCOUNTS" means the Special DCA Account and subaccounts we may
     choose to allow for DCA arrangements which are not part of a model
     portfolio. We reserve the right to designate any one or more of these
     excluded accounts as allocation options for a model portfolio in the
     future.

The PN program is an asset allocation program that allows you to allocate your
annuity purchase payments and contract values to a model portfolio you select
consisting of certain allocation options available under your contract.

MODEL PORTFOLIO SELECTION

Your payments and contract value, other than amounts allocated to the excluded
accounts, will be allocated to the model portfolio you select from those that
are available. You choose the model portfolio based on factors that may include
your investment goals, risk tolerance and investment timeframe.

Each model portfolio will consist of certain allocation options with specified
allocation percentages that are pre-selected to represent various asset classes.
Model portfolios are periodically rebalanced and are periodically reassessed as
described below.

Your values allocated to the PN program will be automatically rebalanced
periodically to match the existing allocation percentages stated in the model
portfolio.

MODEL PORTFOLIO REASSESSMENT

The model portfolios are also reassessed periodically. As a result, the models
may be updated from time to time with new allocation options and allocation
percentages. When these reassessments are completed, any changes to the model
portfolios will cause the following to occur:

-    You will receive a reassessment letter indicating that your model portfolio
     has been reassessed and that your contract value, less any excluded
     accounts, is scheduled to be reallocated according to the updated model.
     The reassessment letter will specify the reallocation date and will be sent
     at least 30 days prior.

-    If you do not want your contract value, less any excluded accounts, to be
     reallocated according to the updated model, you must provide written or
     other authorized notification as specified in the reassessment letter.

If permitted under applicable securities law, we reserve the right to
automatically reallocate your current PN model to an updated model without prior
notice.

131070C                                                                  7/2005


CHANGING YOUR MODEL PORTFOLIO

In addition to the periodic reassessment and reallocation of the model
portfolios described above, you may also request a change to your model
portfolio twice per contract year by written request on an authorized form or by
another method agreed to by us. Such changes would include changing to a
different model portfolio at any time, or requesting to reallocate according to
the updated version of your existing model other than a change per the
reassessment process described above.

CHARGES FOR THE RIDER

The charge for this rider is determined by multiplying the percentage shown
under Contract Data by your contract value less any excluded accounts on the
contract anniversary date each year prior to the settlement date. We reserve the
right to adjust charges for this rider after the tenth rider anniversary. We
deduct the charge on each contract anniversary on a pro-rata basis among the
allocation options, less any excluded accounts in the same proportion your value
in each bears to your total contract value less any excluded accounts.

If the contract is terminated, we reserve the right to deduct the charge at that
time and adjust it for the number of calendar days the PN Rider was in effect
during the year.

ADDING THE RIDER

Unless we otherwise agree, you can only add the rider at contract issue or on a
contract anniversary. If we allow the rider to be added other than on a contract
anniversary, we reserve the right to adjust the rider charge for the number of
calendar days the rider was in effect during the year.

TERMINATING THE RIDER

You may cancel participation in the PN program at any time; however, you cannot
add the rider again until the next contract anniversary unless we otherwise
agree.

If the rider is terminated other than on a contract anniversary, we reserve the
right to deduct the rider charge at that time and adjust it for the number of
calendar days the rider was in effect during the year.

If you initiate transfers among allocation options other than through a Special
DCA arrangement, your participation in the PN program will be cancelled.
Transfers involving only excluded accounts or partial surrenders do not cancel
participation in the PN program.

We reserve the right to cancel the PN program following 30 days written notice
at your last known address. We reserve the right to deduct the rider charge at
that time and adjust it for the number of days the rider was in effect. Upon
cancellation, any automated rebalancing associated with the program will cease,
and there will be no additional charges for the rider.

This rider will terminate on the date you make a full surrender from the
contract or on the settlement date.

This rider is effective as of the contract date of this contract unless a
different date is shown here or under Contract Data.

IDS LIFE INSURANCE COMPANY

ABCD

Secretary