NORTHBROOK LIFE INSURANCE COMPANY
                          (herein called "we" or "us")

                      Enhanced Earnings Death Benefit Rider

This rider was issued  because you selected the Enhanced  Earnings Death Benefit
Rider.

For  purposes of this benefit  "Rider  Date" is the date the  Enhanced  Earnings
Death Benefit Rider was made a part of the Contract: xx/xx/xxxx

As used in this rider:

o    Contract: The Contract or Certificate to which this rider is attached.

o    Death Benefit Earnings:  The greater of (a) the current Cash Value less the
     In-Force Premium; or (b) zero.

o    In-Force Premium:

     o    If the Rider Date is equal to the Contract Date:

          o    The  sum of all the  purchase  payments  less  the sum of all the
               Excess-of-Earnings Withdrawals.

     o    If the Rider Date is later than the Contract Date:

          o    The  Cash  Value  as of the  Rider  Date  plus  all the  purchase
               payments   after  the  Rider   Date  less  the  sum  of  all  the
               Excess-of-Earnings Withdrawals after the Rider Date.

     o    Excess-of-Earnings  Withdrawals:  For each withdrawal,  this amount is
          equal to the excess,  if any, of the amount of the withdrawal less the
          amount of Death Benefit Earnings in the Contract  immediately prior to
          the withdrawal.

The following provision is added to the Contract.

1.   Under this rider,  if the oldest Owner,  or the Annuitant if the Owner is a
     non-natural  person,  is age 69 or younger on the Rider Date,  the Enhanced
     Earnings Death Benefit will be:

     o    40% of the lesser of the In-Force  Premium or Death Benefit  Earnings,
          calculated as of the date we receive due proof of death.

         If the oldest  Owner,  or the  Annuitant if the Owner is a  non-natural
         person,  is  between  the  ages  of 70 and 79 on the  Rider  Date,  the
         Enhanced Earnings Death Benefit will be:

     o    25% of the lesser of the In-Force  Premium or Death Benefit  Earnings,
          calculated as of the date we receive due proof of death.

         If the Owner is a Natural Person,  the Enhanced  Earnings Death Benefit
         is payable  upon the death of the Owner.  If the Owner is not a Natural
         Person,  the Enhanced Earnings Death Benefit is payable on the death of
         the Annuitant.

II.  The Mortality and Expense Risk Charge provision of the Contract is modified
     as follows:

         On and after the Rider  Date,  the  maximum  annualized  Mortality  and
Expense Risk Charge is increased by 0.25% for this rider.






Except as amended by this rider, the Contract remains unchanged.

       [GRAPHIC OMITTED]              [GRAPHIC OMITTED]


       Michael J. Velotta              Thomas J. Wilson
          Secretary                  Chairman and Chief Executive Officer