EXHIBIT 4.(A)

FORM OF CONTRACT FOR

THE VISIONARY STAR(TM) VARIABLE ANNUITY

[LOGO] IL ANNUITY
--------------------
AN AMERUS COMPANY

IL ANNUITY AND INSURANCE COMPANY

THE VISIONARY STAR(TM) VARIABLE ANNUITY

READ YOUR CONTRACT CAREFULLY
RIGHT TO EXAMINE YOUR CONTRACT. You may return this Contract to Us for any
reason within 10 days after You receive it (20 days if this Contract is
replacing another annuity contract or insurance policy). You may return the
Contract by mailing it to Us at the address shown on Page 3. Your Written
Request for cancellation must accompany the Contract. We will return your
premium payments minus any withdrawals. We will place the money you allocated to
a Subaccount into the Money Market Subaccount for a 15 Calendar day period from
the date Your initial Premium Payment is credited to the Contract. At the end of
that period, we will direct the amount in the Money Market Subaccount to the
Subaccounts you selected on your application, based on the allocation
percentages specified on your application.

THIS CONTRACT is a legal contract between the Owner and the IL Annuity and
Insurance Company. WE AGREE to provide the benefits and rights set out on this
page and the pages that follow which are part of the Contract. They are provided
as consideration for the application and the payment of premium for the
Contract.

THE CONTRACT, the attached application and any amendments, riders or
endorsements make up the entire contract. The Contract does not take effect
until We have received the initial Premium Payment.

SEPARATE ACCOUNT VALUES AND ANNUITY PAYMENTS TO YOU, WHEN BASED ON INVESTMENT
RESULTS OF THE SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO A
FIXED DOLLAR AMOUNT. THE VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6.

Signed for Us on the Date of Issue at Indianapolis, IN.

/s/ Xxxx X. Xxxxxxxxx-Xxxxxx /s/ Xxxxxxx X. Xxxx
Secretary President

INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT
NON-PARTICIPATING
INCOME PAYABLE AT MATURITY
DEATH BENEFIT PAYABLE IN THE EVENT OF THE ANNUITANT'S DEATH PRIOR TO MATURITY

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[LOGO] IL ANNUITY
--------------------
AN AMERUS COMPANY

IL ANNUITY AND INSURANCE COMPANY

THE VISIONARY STAR(TM) VARIABLE ANNUITY

READ YOUR CONTRACT CAREFULLY

RIGHT TO EXAMINE YOUR CONTRACT. You may return this Contract to Us for any
reason within 10 days after You receive it (20 days if this Contract is
replacing another annuity contract or insurance policy). You may return the
Contract by mailing it to Us at the address shown on Page 3. Your Written
Request for cancellation must accompany the Contract. If your Contract Value
increased or has stayed the same, your refund will equal the Contract Value on
the date we received the returned contract at the Our Administration Office,
minus any Bonus Credit, but plus any Separate Account charges we deducted on or
before the date we received the returned Contract. If your Contract Value has
decreased, your refund will equal your Contract Value, minus any Bonus Credit,
plus any investment loss, attributable to the Bonus Credit, but plus any
Separate Account charges we deducted on or before the date we received the
returned Contract, as of the date we received the returned Contract.

THE CONTRACT, the attached application and any amendments, riders or
endorsements make up the entire contract. The Contract does not take effect
until We have received the initial Premium Payment.

Signed for Us on the Date of Issue at Indianapolis, IN.

/s/ Xxxx X. Xxxxxxxxx-Xxxxxx /s/ Xxxxxxx X. Xxxx
Secretary President

INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT
NON-PARTICIPATING
INCOME PAYABLE AT MATURITY
DEATH BENEFIT PAYABLE IN THE EVENT OF THE ANNUITANT'S DEATH PRIOR TO MATURITY

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SECTION 1 -GUIDE TO CONTRACT PROVISIONS

SECTION PAGE

1 GUIDE TO CONTRACT PROVISIONS 2

2 CONTRACT SPECIFICATIONS 3

3 DEFINITIONS 4

4 PREMIUM PAYMENT 6

5 CONTRACT VALUE 7

6 SEPARATE ACCOUNT PROVISIONS 10

7 WITHDRAWAL PROVISIONS 12

8 OWNERSHIP PROVISIONS 14

9 DEATH BENEFIT PROVISIONS 15

10 PAYOUT PLAN PROVISIONS 18

11 GENERAL PROVISIONS 19

12 TABLES 21

[13 WAIVER OF WITHDRAWAL CHARGES] 24

The Application and Any Additional Forms Will Follow Section [12]. (Will be 13
if ONE/BOTH Waiver of Withdrawal Charge(s) is/are chosen. )

2-VSTAR-01

SECTION 2 -SPECIFICATIONS

CONTRACT NUMBER [STAR001] [XXX ANNUITANT] ANNUITANT

[XXXX ANNUITIANT] JOINT ANNUITANT
DATE OF ISSUE [JUNE 1, 2001]
[JUNE 1, 2060] ANNUITY START DATE
AGE AT ISSUE [40]
[NON-QUALIFIED] PLAN TYPE

INITIAL PREMIUM PAYMENT [$10,000]
PREMIUM PAYMENTS MAY BE CONTINUED TO THE ANNUITY START DATE

PREMIUM TAX CHARGE [state variable]%

CONTRACT FEE [$7.50] PER CONTRACT QUARTER

MORTALITY AND EXPENSE [0.80%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE UNTIL ANNUITY START DATE.
RISK CHARGE [1.50%] AFTER ANNUITY START DATE IF A VARIABLE PAYOUT PLAN IS CHOSEN.

ADMINISTRATION CHARGE [0.20%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE THIS CHARGE WILL CONTINUE TO BE
ASSESSED AFTER THE ANNUITY START DATE IF A VARIABLE PAYOUT PLAN IS SELECTED.

SUBACCOUNT FIRST 12 REQUESTS PER CONTRACT YEAR - $0
TRANSFER FEE 13 OR MORE PER CONTRACT YEAR - $25.00 EACH TRANSFER

FIXED ACCOUNT MINIMUM 3.0%
INTEREST RATE

WITHDRAWAL CHARGE IF YOU WITHDRAW ALL OR PART OF THE CONTRACT VALUE, WITHDRAWAL CHARGES MAY APPLY. SEE
PAGE 13.

[ENHANCED FREE WITHDRAWAL FEATURE] [[50% CUMULATIVE WITHDRAWAL FEATURE
[0.20%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE]
[EARNINGS WITHDRAWAL FEATURE
[0.20%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE]]

DEATH BENEFIT FEATURE [[GREATER OF CONTRACT VALUE OR PREMIUMS LESS WITHDRAWALS]
[3 YEAR STEPPED UP ENHANCED DEATH BENEFIT
[0.30%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE]
[1 YEAR STEPPED UP ENHANCED DEATH BENEFIT
[0.40%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE]]
[ENHANCED DOLLAR COST [[12% INITIAL GUARANTEED RATE, 6 MONTH SPECIFIED PERIOD
AVERAGING FEATURE] [0.60%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE IN CONTRACT YEARS 1 - 7]
[10% INITIAL GUARANTEED RATE, 8 MONTH SPECIFIED PERIOD
[0.60%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE IN CONTRACT YEARS 1 - 7]
[8% INITIAL GUARANTEED RATE, 12 MONTH SPECIFIED PERIOD
[0.60%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE IN CONTRACT YEARS 1-7]]

3-VSTAR-01

[BONUS CREDIT] [[3% BONUS CREDIT
[0.50%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE IN CONTRACT YEARS 1 - 9]
[4% BONUS CREDIT
[0.60%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE IN CONTRACT YEARS 1 - 9]
[5% BONUS CREDIT]
[0.70%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE IN CONTRACT YEARS 1 - 9]]

[DEATH EXPENSE BENEFIT [[0.40%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE]
FEATURE]

[WAIVER OF WITHDRAWAL [[HOSPITALIZATION/LONG TERM CARE/TERMINAL ILLNESS
CHARGES] [0.20%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE]
[POST SECONDARY EDUCATION
[0.20%] PER ANNUM OF THE AVERAGE DAILY SUBACCOUNT VALUE]]
PREMIUM ALLOCATIONS THE INITIAL PREMIUM PAYMENT WILL BE ALLOCATED AS SPECIFIED IN YOUR APPLICATION. THE
SAME ALLOCATIONS WILL BE MADE FOR EACH SUBSEQUENT PAYMENT UNLESS YOU CHANGE THE ALLOCATIONS
BY WRITTEN REQUEST OR, AT THE TIME OF A PREMIUM PAYMENT, YOU INSTRUCT US TO ALLOCATE
THAT PAYMENT DIFFERENTLY.

VARIABLE ADMINISTRATION IL ANNUITY VARIABLE ADMINISTRATION
OFFICE P.O. BOX 6012, Indianapolis, IN 46206-6012
0000 X. Xxxxxxxx Xxxxxx, Xxxxxxxxxxxx, XX 00000
0-000-000-0000

3-VSTAR-01

[SEPARATE ACCOUNT: IL ANNUITY AND INSURANCE CO. SEPARATE ACCOUNT I

FUNDS: PORTFOLIOS:
THE XXXXX AMERICAN FUND MIDCAP GROWTH
SMALL CAPITALIZATION

DREYFUS INVESTMENT PORTFOLIOS - SERVICE DISCOVERY
SHARES GROWTH
INTERNATIONAL EQUITY
PASSPORT

FIDELITY VARIABLE INSURANCE PRODUCT FUNDS ASSET MANAGER
("VIP") - INITIAL CLASS SHARES CONTRAFUND
EQUITY-INCOME
GROWTH
INDEX 500
INVESTMENT GRADE BOND
MONEY MARKET

FIDELITY VARIABLE INSURANCE PRODUCTS FUNDS DYNAMIC CAPITAL APPRECIATION
("VIP") - SERVICE CLASS 2 SHARES MID CAP
OVERSEAS

FIRST EAGLE SOGEN VARIABLE FUNDS, INC. FIRST EAGLE SOGEN OVERSEAS VARIABLE

XX XXXXXX SERIES TRUST II BOND
INTERNATIONAL OPPORTUNITIES
SMALL COMPANY
US DISCIPLINED EQUITY

XXXXXXXXX XXXXXX ADVISERS MANAGEMENT TRUST MID-CAP GROWTH
SOCIALLY RESPONSIVE

OPCAP ACCUMULATION TRUST MANAGED
SMALL CAP
TARGET

PIMCO VARIABLE INSURANCE TRUST - HIGH YIELD BOND
ADMINISTRATIVE CLASS SHARES REAL RETURN BOND
STOCKS PLUS GROWTH AND INCOME

ROYCE CAPITAL FUND ROYCE MICRO-CAP

SAFECO RESOURCES SERIES TRUST EQUITY
GROWTH OPPORTUNITIES

STRONG VARIABLE INSURANCE FUNDS, INC. STRONG MID CAP GROWTH FUND II

STRONG OPPORTUNITY FUND II, INC. STRONG OPPORTUNITY FUND II

X. XXXX PRICE FIXED INCOME SERIES, INC. LIMITED-TERM BOND

X. XXXX PRICE INTERNATIONAL SERIES, INC. INTERNATIONAL STOCK

XXX XXX WORLDWIDE INSURANCE TRUST WORLDWIDE EMERGING MARKETS
WORLDWIDE HARD ASSETS
WORLDWIDE REAL ESTATE]

Page 3A

3-VSTAR-01

SECTION 3 -DEFINITIONS

ACCOUNT -Either the Separate Account or the Fixed Account.

ACCUMULATION PERIOD - The period that begins when we issue your Contract and
ends on the Annuity Start Date. During the accumulation period, earnings
accumulate on a tax-deferred basis.

ACCUMULATION UNIT - The measurement We use before the Annuity Start Date to
calculate the value of each Subaccount at the end of each business day.

AGE -Age on last birthday unless otherwise specified.

ANNUITANT -You are the Annuitant, unless You state otherwise in Your
application. The Annuitant is the person or persons whose life (or lives) we use
to determine the dollar amount and duration of the annuity payments that will be
paid under the Contract. If the Annuitant dies before the Annuity Start Date, We
will pay a death benefit. The maximum number of joint Annuitants is two.
Provisions referring to the death of an Annuitant mean the death of the last
surviving Annuitant. The Annuitant named in the application may not be changed
except under certain circumstances. Please contact Our Administration Office for
details.

ANNUITY START DATE - The date we will begin to pay annuity payments to the
Annuitant. If you do not specify an Annuity Start Date, we will begin payments
on the Contract Anniversary next following the Annuitant's 99th birthday.

ANNUITY UNIT - The measurement We use to calculate the value of your annuity
payments if You choose to receive annuity payments from the Subaccounts.

BENEFICIARY -The person(s) You name to receive the death benefit if the
Annuitant dies before the Annuity Start Date. If there are joint owners, the
surviving owner will be deemed the beneficiary irregardless of any designation
made.

BONUS CREDIT FEATURE - Depending upon the Bonus Credit Feature you choose, an
amount equal to an additional 3%, 4% or 5% of your Initial Net Premium Payment
will be immediately credited to your account in the same percentage proportion
as you have designated for your investment.

BUSINESS DAY -Each day on which the New York Stock Exchange is open for
business, except for the holidays listed in the prospectus under "Holidays".

CONTRACT FEE - During the Pay-in Period, We will deduct this charge from Your
Contract Value at the end of each contract quarter and on the date You fully
withdraw all value from the Contract. We use the Contract Fee to cover Our cost
of providing certain administrative services related to the Contracts and the
Separate Account.

CONTRACT PERIODS AND ANNIVERSARIES -Contract Years, contract months and contract
quarters are measured from the Date of Issue. Each contract month begins on the
same day in each calendar month as the Date of Issue. If the end of a premium
period or a Contract Year is indicated by an age, it ends on the Contract
Anniversary immediately following the birthday on which the Annuitant reaches
that age.

CONTRACT VALUE - The total amount You have accumulated under the Contract. It is
the sum of the Separate Account Value and the Fixed Account Value.

4-VSTAR-01

CONTRACT YEAR -A twelve-month period beginning on the Date of Issue or on a
Contract Anniversary. The first Contract Year begins on the Date of Issue.

DATE OF ISSUE -The date (shown in Section 2 -Contract Specifications) on which
We issue the Contract. We measure contract years and contract anniversaries from
the Date of Issue.

DOLLAR COST AVERAGING - Owner-initiated systematic transfer program that allows
You to make regular, systematic investments over time.

ENHANCED DEATH BENEFIT- The death benefit paid to the beneficiary on the
Annuitant's death if one of the Enhanced Death Benefit features is chosen and
the Annuitant dies before age 75.

ENHANCED DOLLAR COST AVERAGING ("ENHANCED DCA") FEATURE - If you choose one of
the Enhanced DCA features available under this policy, we will credit a rate of
interest in excess of the current fixed account rate to your initial premium
payment for a specified amount of time, depending upon the Enhanced DCA choice
you make.

FIXED ACCOUNT - Part of the Company's General Account to which all or a portion
of the Contract Value may be allocated.

FIXED ACCOUNT CURRENT RATE - The applicable interest rate contained in a
schedule of rates established by the Company from time to time.

FIXED ACCOUNT VALUE - The value of the contract in the Fixed Account prior to
the Annuity Start Date.

FREE WITHDRAWAL AMOUNT - The amount of Contract Value that can be withdrawn in
any Contract Year without a Withdrawal Charge.

FUNDS - The open-ended management companies listed on page 3 of this contract.
This contract allows you to invest in certain investment portfolios of the Funds
through our separate account..

GENERAL ACCOUNT -All assets of the Company other than those allocated to
Separate Account.

INITIAL NET PREMIUM PAYMENT - The sum of all net premiums received pursuant to
and as a result of a Section 1035 exchange of another annuity contract at the
time of application, and any other net premiums received with the application
for this contract.

NET PREMIUM PAYMENT - The Premium Payment minus any applicable premium tax.

OWNER ("YOU") - The person(s) who own(s) the Contract. "JOINT OWNERS" are two
natural persons who own the contract equally with the right of survivorship.

PAYEE- The person(s) who receive annuity payments. The "SUCCESSOR PAYEE"
receives any guaranteed annuity payments after the death of the sole surviving
Xxxxx.

PAY-IN PERIOD -The period of time that begins when Your Contract is issued and
continues until the date You begin to receive annuity payments on the Annuity
Start Date. The Pay-in Period will also end if You fully withdraw Your Contract
before the Annuity Start Date.

PAYOUT PLAN -An arrangement under which annuity payments are made under this
Contract.

5-VSTAR-01

PORTFOLIO -The separate investment portfolios of the Funds. The Portfolios
currently offered through the Contract are listed on page 3A of this Contract.

PREMIUM TAX -The amount of tax, if any, charged by a federal, state or municipal
entity on Premium Payments or Contract Values.

QUALIFIED CONTRACT -A Contract that is issued in connection with retirement
plans that qualify for special federal income tax treatment under Sections 401,
403 (b), 408, 408(A) or 457 of the Internal Revenue Code.

SEC -The U.S. Securities and Exchange Commission.

SEPARATE ACCOUNT - IL Annuity and Insurance Co. Separate Account I, a separate
investment account divided into Subaccounts that we established to receive and
invest the premium payments we receive under the Contract. Assets in the
separate account are not part of our general account.

SEPARATE ACCOUNT VALUE -The value of the Contract in the Separate Account prior
to the Annuity Start Date.

SUBACCOUNT -A subdivision of the Separate Account that invests exclusively in
shares of a single portfolio of a Fund. The investment performance of each
Subaccount is linked directly to the investment performance of the portfolio in
which it invests.

SURRENDER VALUE -The Contract Value MINUS (1) any applicable Withdrawal Charges;
MINUS (2) any premium taxes not previously deducted; MINUS (3) any outstanding
loans; and MINUS (4) the Contract Fee.

WE, US, OUR AND COMPANY -IL Annuity and Insurance Company.

WRITTEN REQUEST -A Written request or Notice in a form satisfactory to the
Company which is signed by the Owner and received at Our Administration Office.

YOU, YOUR -The Owner or Joint Owners.

SECTION 4 -PREMIUM PAYMENTS

PREMIUM PAYMENTS

The initial Premium Payment is payable on or before delivery of this Contract.
Any Premium Payments after the initial Premium Payment are payable at Our
Administration Office. All Premium Payments are payable in U.S. Dollars. The
initial Premium Payment is shown on Page 3. The minimum Premium Payment is
$1,000. We retain the right not to accept additional Premium Payments in any one
year which exceed two times the initial Premium Payment and not to accept total
Premium Payments in excess of $1,000,000.

You may continue Premium Payments until the earliest of:

(a) the Annuity Start Date;
(b) full withdrawal of Contract Value; or
(c) the date You reach age 85 (age 70 1/2 if this is a Qualified Contract).

Under the Automatic Premium Payment Plan, you may select an annual, semi-annual,
quarterly, or monthly payment schedule under which we will automatically deduct
premium payments from a bank or credit union account or other source. The
minimum amount of such payment is $100 per payment for Non-Qualified plans and
$25 for Qualified plans.

6-VSTAR-01

ALLOCATION OF PREMIUM PAYMENTS

This Contract allows You to allocate Net Premium Payments to any Subaccount of
the Separate Account and the Fixed Account subject to any minimum allocation
amounts established by the Company. The initial Premium Payment will be
allocated as specified in Your application. The same allocations will be made
for each subsequent payment unless You change the allocations by Written Request
or, at the time of a Premium Payment, You instruct Us to allocate that payment
differently.

SECTION 5 -CONTRACT VALUE

CONTRACT VALUE

The Contract Value at any time is the sum of the Fixed Account Value and the
Separate Account Value.

Unless You indicate otherwise, amounts withdrawn from the Contract Value by You
and charges described in this Contract will be deducted from the Fixed Account
and the Subaccounts based on the proportion that the values of the Fixed Account
and the Subaccounts bear to the Contract Value.

All values and benefits are equal to or more than those required by law. The
official responsible for supervising insurance in the state where the Contract
is delivered has a detailed summary of the method We use to determine values.

FIXED ACCOUNT VALUE

The Fixed Account Value is equal to:

(1) the Net Premium Payments allocated to the Fixed Account, PLUS
(2) amounts transferred to the Fixed Account, PLUS
(3) interest credited to the Fixed Account, MINUS
(4) any partial withdrawals or transfers from the Fixed Account, MINUS
(5) any Withdrawal Charges, Contract Fees or premium taxes deducted
from the Fixed Account.

The Company will credit interest to the Fixed Account. The Fixed Account Minimum
Interest Rate is the rate shown on Page 3, compounded annually. The Company, at
its discretion, may credit interest rates greater than the Fixed Account Minimum
Interest Rate.

SEPARATE ACCOUNT VALUE

The Separate Account Value is equal to the sum of the values in all the
Subaccounts of the Separate Account, each of which is, prior to the Annuity
Start Date, equal to:

(1) Net Premium Payments allocated to that Subaccount, PLUS
(2) any amount transferred to that Subaccount, PLUS
(3) any interest income, dividends, capital gains, realized or
unrealized, in that Subaccount, MINUS
(4) any partial withdrawals or transfers of amounts from the Subaccount
(including any applicable transfer charges), MINUS
(5) any Withdrawal Charges, Contract Fees or premium taxes deducted
from that Subaccount, MINUS
(6) realized or unrealized net capital losses in that Subaccount.

CONTRACT FEE

We charge a fee for establishing and maintaining Our records for this Contract.
The charge is $7.50 per quarter and is deducted from the Contract Value at the
end of each three-month period measured from the Date of Issue or, if earlier,
on the date of a full withdrawal. This charge does not apply after a Payout Plan
has begun.

7-VSTAR-01

PREMIUM TAX CHARGES

A charge will be made by Us against the Contract Value of this Contract at the
time any premium taxes not previously deducted are payable.

TRANSFERS OF CONTRACT VALUES

While this Contract is in force prior to the Annuity Start Date, You may
transfer, by Written Request, Contract Values from one or more of the
Subaccounts to another one or more of the Subaccounts or to the Fixed Account.
You may make 12 such transfer requests per Contract Year without charge. A
charge of $25.00 will be imposed for each transfer request in excess of 12. The
transfer fee, if any, will be deducted from the Subaccount(s) from which the
transfer is made. If a transfer is made for more than one Subaccount at the same
time, the transfer fee will be deducted pro rata from the remaining Separate
Account Values in such Subaccounts. We reserve the right to waive the transfer
fee. While this Contract is in force prior to the Annuity Start Date, You may
transfer up to 20% of the Fixed Account Value (as determined at the beginning of
the Contract Year) from the Fixed Account to one or more of the Subaccounts in
any Contract Year. There is no charge for transfers from the Fixed Account to
one or more of the Subaccounts. Amounts transferred under the Interest Sweep
provision are included in the maximum amount which can be transferred from the
Fixed Account in any Contract Year. The transfer privileges may be suspended or
modified by Us at any time.

After annuity payments have begun, You may exchange annuity units from one or
more of the Subaccounts for equivalent annuity units of one or more of the
Subaccounts once each Contract Year. There is no charge for this exchange.

The Company will accept transfer requests in writing, or in those states that
allow them, over the telephone. We will use reasonable procedures to confirm
that telephone instructions are genuine and will not be liable for following
telephone instruction that we reasonably determined to be genuine. The Company
may withdraw the telephone exchange privilege upon 30 days written notice to
contract owners. Amounts deducted from the Fixed Account for charges,
withdrawals and transfers to the Subaccounts, for the purpose of crediting
interest are accounted for on a last in, first out basis.

DOLLAR COST AVERAGING

Before the Annuity Start Date, You may elect to have an amount You specify
automatically transferred from one or more Subaccounts or the Fixed Account to
any other Subaccounts. Dollar Cost Averaging transfers will be made on a monthly
or quarterly basis. The amount transferred must be at least $100. There is no
charge for dollar cost averaging transfers.

Amounts withdrawn from the Fixed Account due to dollar cost averaging are not
counted toward the 20% of Fixed Account Value that may be transferred out of the
Fixed Account during any Contract Year.

Once you elect the DCA program, it remains in effect for the life of the
contract until the value designated in the Fixed Account or Subaccount is
expended or until you cancel the program.

8-VSTAR-01

ENHANCED MONTHLY DOLLAR COST AVERAGING

The Enhanced DCA provision permits you to systematically transfer a specified
percentage of your money from the Enhanced DCA account to one or more of the
Subaccounts.

6 MONTH PLAN

You must allocate your initial premium payment to the Enhanced DCA account. We
will credit a guaranteed rate of interest on the balance of the assets remaining
in the account for a 6 month period beginning on the date of issue of the
contract. Premium payments over $500,000 will require our approval. Dollar cost
averaging transfers may only be made into the Subaccounts you select. This
Enhanced DCA provision allows you to earn a higher rate of interest than you
would normally earn on assets placed in the standard Fixed Account during the
comparable period.

Transfers will occur each month over the 6 month period with the final transfer
including all amounts remaining in the Enhanced DCA Account.

We will process transfers under this feature until either the amounts in the
Enhanced DCA account are exhausted, or You instruct us in writing to stop
transfers. If You stop transfers under this feature, You will no longer receive
the higher Enhanced DCA interest rate.

Unless You instruct us otherwise, when we receive your written notice to
discontinue transfers under this Enhanced DCA provision, we will automatically
transfer the amount remaining under the Enhanced DCA to the standard Fixed
Account. If you cancel your Contract during the free-look period, we will credit
the standard Fixed Account rate to any amounts you allocated to the Enhanced DCA
account.

You may have only one Enhanced DCA account in place at one time.

Transfers under the Enhanced DCA account do not count towards the twelve
transfers we allow each year without charge.

INTEREST SWEEP

Before the Annuity Start Date, You may elect to have any interest credited to
the Fixed Account automatically transferred to one or more Subaccounts at the
beginning of each calendar quarter. Amounts transferred out of the Fixed Account
due to an interest sweep transfer are counted toward the 20% of Fixed Account
Value that may be transferred out of the Fixed Account during any Contract Year.

AUTOMATIC ACCOUNT BALANCING

Before the Annuity Start Date, You may elect automatic account balancing. If You
select this option, on the first Business Day of a calendar month or calendar
quarter, We will automatically balance Your Subaccounts to match Your premium
allocation percentages. There is no charge for automatic account balancing.

9-VSTAR-01 (6 MONTH PLAN)

ENHANCED MONTHLY DOLLAR COST AVERAGING

The Enhanced DCA provision permits you to systematically transfer a specified
percentage of your money from the Enhanced DCA account to one or more of the
Subaccounts.

8 MONTH PLAN

You may allocate your initial premium payment to the Enhanced DCA account. We
will credit a guaranteed rate of interest on the balance of the assets remaining
in the account for an 8 month period beginning on the date of issue of the
contract. Premium payments over $500,000 will require our approval. Dollar cost
averaging transfers may only be made into the Subaccounts you select. This
Enhanced DCA provision allows you to earn a higher rate of interest than you
would normally earn on assets placed in the standard Fixed Account during the
comparable period.

Transfers will occur each month over the 8 month period with the final transfer
including all amounts remaining in the Enhanced DCA account.

You may have only one Enhanced DCA account in place at one time.

Transfers under the Enhanced DCA account do not count towards the twelve
transfers we allow each year without charge.

INTEREST SWEEP

AUTOMATIC ACCOUNT BALANCING

9-VSTAR-01 (8 MONTH PLAN)

ENHANCED MONTHLY DOLLAR COST AVERAGING

The Enhanced DCA provision permits you to systematically transfer a specified
percentage of your money from the Enhanced DCA account to one or more of the
Subaccounts.

12 MONTH PLAN

You may allocate your initial premium payment to the Enhanced DCA account. We
will credit a guaranteed rate of interest on the balance of the assets remaining
in the account for a 12 month period beginning on the date of issue of the
contract. Premium payments over $500,000 will require our approval. Dollar cost
averaging transfers may only be made into the Subaccounts you select. This
Enhanced DCA provision allows you to earn a higher rate of interest than you
would normally earn on assets placed in the standard Fixed Account during the
comparable period.

Transfers will occur each month over the 12 month period with the final transfer
including all amounts remaining in the Enhanced DCA Account.

We will process transfers under this feature until either the amounts in the
Fixed Account are exhausted, or You instruct us in writing to stop transfers. If
You stop transfers under this feature, You will no longer receive the higher
Enhanced DCA interest rate.

You may have only one Enhanced DCA account in place at one time.

Transfers under the Enhanced DCA account do not count towards the twelve
transfers we allow each year without charge.

INTEREST SWEEP

AUTOMATIC ACCOUNT BALANCING

9-VSTAR-01 (12 MONTH PLAN)

INTEREST SWEEP

AUTOMATIC ACCOUNT BALANCING

9-VSTAR-01 (NO EDCA)

SECTION 6 -SEPARATE ACCOUNT PROVISIONS

SEPARATE ACCOUNT

The Separate Account is registered with the SEC as a unit investment trust under
the investment Company Act of 1940. The portion of the assets of the Separate
Account equal to the reserves and other Contract liabilities of the Separate
Account are not chargeable with the liabilities arising out of any other
business that We may conduct and which has no specific relation to or dependence
upon the Separate Account. We have the right to transfer to Our general account
any assets of the Separate Account which are in excess of such reserves and
other liabilities. The Company established the Separate Account to support the
operations of this Contract and other variable contracts the Company currently
offers or may offer in the future.

SUBACCOUNTS

The assets of the Separate Account are divided into subdivisions called
Subaccounts that are listed on page 3A of this Contract and in the current
prospectus You received. Each Subaccount invests exclusively in shares of a
corresponding Portfolio of a Fund listed on page 3A of this Contract. The
income, gains and losses, whether or not realized, from assets allocated to each
Subaccount shall be credited to or charged against such Subaccount without
regard to other income, gains, or losses of any other Subaccount. Any amounts of
income, dividends and gains distributed from the shares of a Fund are
re-invested in additional shares of that Fund at its net asset value.

The Separate Account supporting benefits of this Contract and the reserves
supporting variable annuity payments under this Contract provided by the
Separate Account depend on the investment performance of the Portfolios in which
Your selected Subaccounts are invested. We do not guarantee the investment
performance of the Portfolios. You bear the investment risk related to Separate
Account Value and variable annuity payments supported by the Subaccounts.

ACCUMULATION UNITS

Net Premium Payments may be allocated among and amounts may be transferred to
the Subaccounts. Net Premium Payments or transferred amounts are converted into
Accumulation Units of the Subaccount to which the payment is allocated or the
transfer is made. The Accumulation Unit value for each Subaccount's first
business day was set at $10 and is recalculated for each subsequent business
day. The number of Accumulation Units credited to each Subaccount is determined
by dividing the dollar value of a Net Premium Payment allocated or transferred
to a Subaccount by the value of one Accumulation Unit for the Subaccount as of
the end of the Business Day on which We received the payment. The number of
Accumulation Units so determined will not be affected by any subsequent change
in the value of such Accumulation Unit.

ACCUMULATION UNIT VALUE

The Accumulation Unit Value for each Subaccount will vary to reflect the
investment experience of the applicable Portfolio. The Accumulation Unit Value
for a Subaccount will be determined at the end of each Business Day by
multiplying the Accumulation Unit Value of the Subaccount on the preceding
Business Day by the net investment factor for the Subaccount for the current
Business Day. The value of the Subaccount on each Business Day is then
determined by multiplying the number of Accumulation Units in that Subaccount by
the Accumulation Unit Value on that Business Day.

10-VSTAR-01

VALUATION OF ANY SUBACCOUNT

Allocation of Net Premium Payments and transfers to a Subaccount will increase
the number of Accumulation Units of that Subaccount. Partial withdrawals and
transfers from a Subaccount will result in cancellation of Accumulation Units of
that Subaccount, as will a full withdrawal and the deduction of a Contract Fee
and any applicable premium taxes. Accumulation Units are cancelled as of the end
of the Business Day on which the Company receives a Written Request or notices
regarding the event.

NET INVESTMENT FACTOR

The net investment factor is an index applied to measure the investment
performance of a Subaccount from one Business Day to the next. The net
investment factor may be greater or less than one, therefore, the value of an
Accumulation Unit may increase or decrease from day to day.

The Net Investment Factor for each Subaccount equals 1 plus the fraction
obtained by dividing (a) by (b) where:

(a) is the net result of:

1. the investment income, dividends, and capital gains,
realized or unrealized, credited at the end of the current
Business Day; PLUS

2. the amount credited or released from reserves for taxes
attributed to the operation of the Subaccount; MINUS

3. the capital losses, realized or unrealized, charged at the
end of the Business Day, MINUS

4. any amount charged for taxes or any amount set aside during
the Business Day as a reserve for taxes attributable to the
operation or maintenance of the Subaccount; MINUS

5. the amount charged for mortality and expense risk on that
Business Day; MINUS

6. the amount charged for administration on that Business Day;
and

(b) is the value of the assets in the Subaccount at the end of the
preceding Business Day, adjusted for allocations and transfers
to and withdrawals and transfers from the Subaccount occurring
during that preceding Business Day.

ANNUITY UNIT VALUE

The value of an Annuity Unit for each Subaccount will vary to reflect the
investment experience of the applicable Portfolio. The value of an Annuity Unit
for a Subaccount will be determined on each Business Day by multiplying the
Annuity Unit value of the Subaccount on the preceding Business Day by the
product of (a) the net investment factor for that Subaccount for the Business
Day for which the annuity value is being calculated and (b) an interest factor
to neutralize the assumed interest rate.

You may choose an assumed interest rate of 3%, 4% or 5% at the time a variable
payout plan is selected.

11-VSTAR-01

SECTION 7 -WITHDRAWAL PROVISIONS

PARTIAL WITHDRAWALS

You may request, in writing, to withdraw part of the Contract Value in amounts
not less than $250. Your request must be received before the Annuity Start Date.
In certain situations and depending upon the amount of the request, the Company
may accept faxed requests. If the Contract Value is reduced to below $1,000 by a
partial withdrawal, the Company reserves the right to pay the Surrender Value to
the Owner in a lump sum. Such payment will terminate the Contract and all
obligations under the Contract.

You specify the Subaccount(s) or Fixed Account from which the partial withdrawal
is made. If You do not specify from which accounts the withdrawal is to be made,
or if the amount in the designated account is inadequate to comply with Your
request, We will make the withdrawal pro-rata from each Subaccount and the Fixed
Account based on the proportion that Your Subaccount values and the Fixed
Account Value bear to the Contract Value prior to the withdrawal.

We will pay You the amount You request in connection with a partial withdrawal
by cancelling Accumulation Units from the appropriate Subaccount(s) and/or
reducing the value of the Fixed Account.

FREE WITHDRAWAL

After the first Contract Year, You may withdraw up to 10% of Your Contract Value
as of the beginning of each Contract Year and We will not charge you a
Withdrawal Charge. This amount is called the Free Withdrawal Amount. Withdrawals
under the Systematic Withdrawal Program are also permitted a Free Withdrawal
Amount, as stated in the Systematic Withdrawal Program provision, during the
first Contract Year.

If You do not withdraw the full 10% in any Contract Year, the remaining amount
does not roll over to the next Contract Year.

There will be a Withdrawal Charge on any withdrawals in excess of the annual
Free Withdrawal Amount.

FULL WITHDRAWAL OF CONTRACT VALUE

You may cancel this Contract by Written Request and receive the Surrender Value
at any time before the Annuity Start Date. The Surrender Value will be the
Contract Value as of the end of the Business Day on which the Company receives
Your Written Request in Our Administration Office, less any Withdrawal Charge,
any outstanding loans, Contract Fee and premium taxes not previously deducted.
We will not accept faxed requests for full withdrawals.

WITHDRAWAL CHARGES

The Withdrawal Charge is separately calculated for each withdrawal You make. For
purposes of calculating the Withdrawal Charge, We treat withdrawals as coming
from the oldest Premium Payment first. Amounts subject to the Withdrawal Charge
will be deemed to be first from Premium Payments, and then from earnings. This
means that We will not deduct a Withdrawal Charge on withdrawals of that portion
of Your Contract Value that exceeds the sum total of Your Premium Payments.

12-VSTAR-01 (STANDARD)

SECTION 7 -WITHDRAWAL PROVISIONS

PARTIAL WITHDRAWALS

We will pay You the amount You request in connection with a partial withdrawal
by cancelling Accumulation Units from the appropriate Subaccount(s) and/or
reducing the value of the Fixed Account.

50% CUMULATIVE WITHDRAWAL

After the first Contract Year, You may withdraw up to 10% of Your Contract Value
as of the beginning of each Contract Year and We will not charge You a
Withdrawal Charge on that amount. This amount is called the Free Withdrawal
Amount. Withdrawals under the Systematic Withdrawal Program are also permitted a
Free Withdrawal Amount, as stated in the Systematic Withdrawal Program
provision, during the first Contract Year. If You do not withdraw the full 10%
in any one Contract Year, the remaining percentage may be rolled over to the
next Contract Year and will accumulate to 50% of the Contract Value as of the
date we receive your written request without incurring a Withdrawal Charge.

There will be a Withdrawal Charge on any withdrawals in excess of the annual
Free Withdrawal Amount.

FULL WITHDRAWAL OF CONTRACT VALUE

WITHDRAWAL CHARGES

12-VSTAR-01 (50% CUMULATIVE FEATURE)

SECTION 7 -WITHDRAWAL PROVISIONS

PARTIAL WITHDRAWALS

We will pay You the amount You request in connection with a partial withdrawal
by cancelling Accumulation Units from the appropriate Subaccount(s) and/or
reducing the value of the Fixed Account.

EARNINGS WITHDRAWAL

After the first Contract Year, You may withdraw part or all of Your earnings
under the Contract at any time without incurring a Withdrawal Charge. This
amount is called the Free Withdrawal Amount. Withdrawals under the Systematic
Withdrawal Program are also permitted a Free Withdrawal Amount, as stated in the
Systematic Withdrawal Program provision, during the first Contract Year.
Earnings are equal to Your Contract Value MINUS Premium Payments and partial
withdrawals.

There will be a Withdrawal Charge on any withdrawals in excess of the annual
Free Withdrawal Amount.

FULL WITHDRAWAL OF CONTRACT VALUE

WITHDRAWAL CHARGES

12-VSTAR-01 (EARNINGS WITHDRAWAL FEATURE)

WITHDRAWAL CHARGE

We will impose a Withdrawal Charge on all partial or full withdrawals of Premium
Payments that You make during the first seven Contract Years if the amount of
the withdrawal exceeds the Free Withdrawal Amount. The Withdrawal Charge is
calculated as a percentage of the amount You withdraw based on the number of
years between the date We receive Your Written Request for withdrawal and the
Date of Issue. The rate of the Withdrawal Charge is listed in the table below.
No Withdrawal Charge is deducted from full or partial withdrawals that You make
in Contract Years eight and later.

Charge as Percentage
Contract Year of Premium Payments
------------- -------------------

1-4 ...............................7.0%
5 .................................6.0
6 .................................4.0
7 .................................2.0
8+...................................0

Any applicable Withdrawal Charge will be deducted from the remaining value in
the Subaccount(s) or Fixed Account from which the withdrawal is being made. If
such remaining Subaccount value(s) or Fixed Account Value is insufficient for
this purpose, the Withdrawal Charge will be deducted pro-rata from all
Subaccounts(s) and the Fixed Account based on the remaining Contract Value in
each Subaccount and the Fixed Account.

No Withdrawal Charge will be assessed:

(1) in the event the Contract terminates due to the death of the
Annuitant or Owner or if Contract Values are applied to a life
annuity or an annuity with a payment period of at least 10 years;
or
(2) if state law permits, on any full or partial withdrawals from
Contracts sold to agents or employees of Indianapolis Life
Insurance Company and AMHC (or their affiliates and subsidiaries).

PAYMENT ON WITHDRAWALS

Payment on any request for withdrawal, or for the Death Benefit, will be made as
soon as possible and, with respect to the Contract Values in the Subaccounts, no
later than seven days after the Written Request is received by the Company.
However, such payment may be postponed for any period:

(1) when the New York Stock Exchange is closed; or
(2) when trading on the New York Stock Exchange is restricted; or
(3) when an emergency exists as a result of which (a) disposal of
securities held in the Subaccounts is not reasonably practicable
or (b) it is not reasonably practicable to fairly determine the
value of the new assets of the Subaccount; or
(4) during any other period when the U.S. Securities and Exchange
Commission, by order, so permits for the protection of security
holders.

Rules and regulations of the U.S. Securities and Exchange Commission will govern
as to whether the conditions set forth in 2, 3 and 4 exist.

For payments or transfers from the Fixed Account, We may defer payment for up to
6 months from the date We receive Your Written Request. We will pay interest of
at least 3% per annum on the amount withdrawn if the payment is deferred more
than 30 days after receipt of documentation necessary to complete the
transaction.

13-VSTAR-01 (STANDARD WITHDRAWAL CHARGE)

WITHDRAWAL CHARGE WITH 3% BONUS CREDIT

We will provide an immediate 3% Bonus credit to your Initial Net Premium Payment
in the same portfolios and in the same proportion as the Initial Net Premium
Payment. This will occur on the Date of Issue for any initial net premium then
received and when any portion of the Initial Net Premium Payment is received. We
will impose a Withdrawal Charge on all partial or full withdrawals of Premium
Payments that You make during the first nine Contract Years if the amount of the
withdrawal exceeds the Free Withdrawal Amount. The Withdrawal Charge is
calculated as a percentage of the amount You withdraw based on the number of
years between the date We receive Your Written Request for withdrawal and the
Date of Issue. The rate of the Withdrawal Charge is listed in the table below.
No Withdrawal Charge is deducted from full or partial withdrawals that You make
in Contract Years ten and later.

Charge as Percentage
Contract Year of Premium Payments
------------- -------------------

1-4 ................................8.0%
5 ..................................7.0
6 ..................................6.0
7 ..................................3.0
8 ..................................2.0
9 ..................................2.0
10+ ................................0

No Withdrawal Charge will be assessed:

(3) in the event the Contract terminates due to the death of the
Annuitant or Owner or if Contract Values are applied to a life
annuity or an annuity with a payment period of at least 10 years;
or
(4) if state law permits, on any full or partial withdrawals from
Contracts sold to agents or employees of Indianapolis Life
Insurance Company and AMHC (or their affiliates and subsidiaries).

PAYMENT ON WITHDRAWALS

(1) when the New York Stock Exchange is closed; or
(2) when trading on the New York Stock Exchange is restricted; or
(3) when an emergency exists as a result of which (a) disposal of
securities held in the Subaccounts is not reasonably
practicable or (b) it is not reasonably practicable to fairly
determine the value of the new assets of the Subaccount; or
(4) during any other period when the U.S. Securities and Exchange
Commission, by order, so permits for the protection of security
holders.

Rules and regulations of the U.S. Securities and Exchange Commission will govern
as to whether the conditions set forth in 2, 3 and 4 exist.

13-VSTAR-01 (3% BONUS CREDIT FEATURE)

WITHDRAWAL CHARGE WITH 4% BONUS CREDIT

We will provide an immediate 4% Bonus credit to your Initial Net Premium Payment
in the same portfolios and in the same proportion as the Initial Net Premium
Payment. This will occur on the Date of Issue for any initial net premium then
received and when any portion of the Initial Net Premium Payment is received. We
will impose a Withdrawal Charge on all partial or full withdrawals of Premium
Payments that You make during the first nine Contract Years if the amount of the
withdrawal exceeds the Free Withdrawal Amount. The Withdrawal Charge is
calculated as a percentage of the amount You withdraw based on the number of
years between the date We receive Your Written Request for withdrawal and the
Date of Issue. The rate of the Withdrawal Charge is listed in the table below.
No Withdrawal Charge is deducted from full or partial withdrawals that You make
in Contract Years ten and later.

Charge as Percentage
Contract Year of Premium Payments
------------- -------------------

1-4....................................8.5%
5 .....................................7.5
6 .....................................6.5
7 .....................................3.5
8 .....................................2.5
9 .....................................2.0
10+....................................0

No Withdrawal Charge will be assessed:

(5) in the event the Contract terminates due to the death of the
Annuitant or Owner or if Contract Values are applied to a life
annuity or an annuity with a payment period of at least 10 years;
or
(6) if state law permits, on any full or partial withdrawals from
Contracts sold to agents or employees of Indianapolis Life
Insurance Company and AMHC (or their affiliates and subsidiaries).

PAYMENT ON WITHDRAWALS

Rules and regulations of the U.S. Securities and Exchange Commission will govern
as to whether the conditions set forth in 2, 3 and 4 exist.

13-VSTAR-01 (4% BONUS CREDIT FEATURE)

WITHDRAWAL CHARGE WITH 5% BONUS CREDIT

We will provide an immediate 5% Bonus credit to your Initial Net Premium Payment
in the same portfolios and in the same proportion as the Initial Net Premium
Payment. This will occur on the Date of Issue for any initial net premium then
received and when any portion of the Initial Net Premium Payment is received. We
will impose a Withdrawal Charge on all partial or full withdrawals of Premium
Payments that You make during the first nine Contract Years if the amount of the
withdrawal exceeds the Free Withdrawal Amount. The Withdrawal Charge is
calculated as a percentage of the amount You withdraw based on the number of
years between the date We receive Your Written Request for withdrawal and the
Date of Issue. The rate of the Withdrawal Charge is listed in the table below.
No Withdrawal Charge is deducted from full or partial withdrawals that You make
in Contract Years ten and later.

Charge as Percentage
Contract Year of Premium Payments
------------- -------------------

1-4......................................9.0%
5 .......................................8.0
6 .......................................7.0
7 .......................................4.0
8 ......................................3.0
9 .......................................2.0
10 + ....................................0

No Withdrawal Charge will be assessed:

(7) in the event the Contract terminates due to the death of the
Annuitant or Owner or if Contract Values are applied to a life
annuity or an annuity with a payment period of at least 10 years;
or
(8) if state law permits, on any full or partial withdrawals from
Contracts sold to agents or employees of Indianapolis Life
Insurance Company and AMHC (or their affiliates and subsidiaries).

PAYMENT ON WITHDRAWALS

Rules and regulations of the U.S. Securities and Exchange Commission will govern
as to whether the conditions set forth in 2, 3 and 4 exist.

13-VSTAR-01 (5% BONUS CREDIT FEATURE)

SYSTEMATIC WITHDRAWAL PROGRAM

The Systematic Withdrawal Program provides an automatic monthly, quarterly,
semi-annual or annual payment to You from the amounts You have accumulated in
the Subaccounts and/or the Fixed Account. The minimum amount You may withdraw is
$100. To use the program, You must maintain a $1,000 balance in Your Contract.
You may elect to participate in the Systematic Withdrawal Program at any time
before the Annuity Start Date by sending a Written Request to Our Administration
Office. Once You elect the program, it remains in effect unless the balance in
Your Contract drops below $1,000.

Withdrawals will be taken from the Subaccounts and Fixed Account proportionately
unless You instruct Us otherwise. We will assess a Withdrawal Charge on these
withdrawals, unless the amount You withdraw under the Systematic Withdrawal
Program qualifies as a Free Withdrawal Amount or unless Withdrawal Charges no
longer apply to the amounts withdrawn. Withdrawals under the Systematic
Withdrawal Program are permitted an Annual Free Withdrawal Amount during the
first Contract Year. We do not deduct any other charges for this program. We
reserve the right to discontinue offering the Systematic Withdrawal Program at
any time and for any reason.

Amounts withdrawn from the Fixed Account due to the Systematic Withdrawal
Program are counted toward the 20% of Fixed Account Value that may be
transferred out of the Fixed Account during any Contract Year.

SECTION 8 -OWNERSHIP PROVISIONS

CONTRACT OWNER

The Annuitant is the Owner unless otherwise stated in the application or unless
changed under the Transfer of Ownership Provision. The Owner is entitled to all
Contract rights and benefits while the Annuitant is alive, without the consent
of any other person.

JOINT OWNER

The Contract may be owned by two persons as Joint Owners, with rights of
survivorship. In this case, both Joint Owners must consent to any withdrawals or
changes to the Contract or Beneficiary.

TRANSFER OF OWNERSHIP

You may transfer the ownership of this Contract on forms provided by Us. The
completed forms must be recorded by Us at Our Administration Office. The
transfer will be effective as of the date the transfer form is signed. We may
require the return of the Contract for endorsement. The transfer is subject to
any payment made or other actions taken by Us before We received Your Written
Request. We are not responsible for the tax consequences resulting from a change
of ownership.

QUALIFIED PLANS

If and while this Contract is part of a tax-qualified retirement plan under the
U.S. Internal Revenue Code, You may not change the Owner or assign the Contract
or make withdrawals unless permitted by the plan.

BENEFICIARY

The designation of a Beneficiary in the application shall remain in effect until
You change it. You may name a Beneficiary and change any named Beneficiary
during the lifetime of the Annuitant by Written Request satisfactory to Us. The
change will take effect on the date the Written Request is signed. A change will
not apply to any payment We make or any other action We take before the Written
Request is received in Our Administration Office. If there are joint owners, the
surviving owner will be deemed the beneficiary irregardless of any designation
made.

ASSIGNMENT

You may assign the Contract in writing. The assignment will not bind Us until We
have received a copy. Your rights and those of any Beneficiary will be subject
to assignment. We are not responsible for the validity or tax consequences of
the assignment.

14-VSTAR-01

SECTION 9 -DEATH BENEFIT PROVISIONS

DISTRIBUTION UPON THE DEATH OF THE OWNER

If You own the Contract with another person, and one of You dies before the
Annuity Start Date, the surviving Owner becomes the sole Beneficiary regardless
of Your designation. If there is no surviving Owner, Your named Beneficiary will
become the Beneficiary upon Your death. (You may name primary and contingent
beneficiaries.) If You have named two or more primary Beneficiaries, they will
share equally in the death benefit (described below) unless You have specified
otherwise. If there are no living primary Beneficiaries at the time of Your
death, payments will be made to those contingent Beneficiaries who are living
when payment of the death benefit is due. If all the Beneficiaries have
predeceased You, We will pay the death benefit to Your estate. If You or a Joint
Owner who is the Annuitant dies before the Annuity Start Date, then the
provisions relating to the death of an Annuitant (described below) will govern.

If You are not the Annuitant and You die before the Annuitant and
before the Annuity Start Date, then the following options are available to Your
Beneficiary:

(1) If such Beneficiary is the spouse of the deceased Owner, the
spouse may continue the Contract as the new Owner.

(2) If such Beneficiary is not the spouse of the deceased Owner:

(a) such Beneficiary may elect to receive the Contract Value,
LESS any premium taxes not yet deducted, LESS any outstanding
loans, in a single sum within 5 years of the deceased Owner's
death; or

(b) such Beneficiary may elect to receive the Contract Value,
LESS any premium taxes not yet deducted, LESS any outstanding
loans, paid out under one of the approved payout plans, or
any other distribution plan, provided that distributions
begin within one year of the deceased Owner's death and the
distribution period under the payout plan is for the life of,
or for a period not exceeding the life expectancy of, the
Beneficiary.

If such Beneficiary does not elect one of the above options, We
will pay the Contract Value, LESS any premium taxes not yet
deducted, LESS any outstanding loans, within five years from the
date of the deceased Owner's death.

Under any of the distribution options in this section, "Distribution Upon the
Death of the Owner," the Beneficiary may exercise all ownership rights and
privileges from the date of the deceased Owner's death until the date that the
Contract Value is paid. Similar rules apply to Qualified Contracts. The above
distribution requirements will apply only upon the death of the first Joint
Owner.

DISTRIBUTION UPON THE DEATH OF THE ANNUITANT

If the Annuitant (including an Owner who is the Annuitant) dies before the
Annuity Start Date, We will pay the Death Benefit described below in "Death
Benefits Before the Annuity Start Date" in a lump sum to Your named
Beneficiary(ies) within five years after the date of the Annuitant's death. (You
may name primary and contingent beneficiaries.) If You have named two or more
primary Beneficiaries, they will share equally in the Death Benefit unless You
have specified otherwise. If there are no living primary Beneficiaries at the
time of the Annuitant's death, payments will be made to those contingent
Beneficiaries who are living when payment of the Death Benefit is due. If all
the Beneficiaries have predeceased the Annuitant, We will pay the Death Benefit
to You, if living, or the Annuitant's estate. In lieu of a lump sum payment, the
Beneficiary may elect, within 60 days of the date We receive due proof of the
Annuitant's death, to apply the Death Benefit to a payout plan (See "Payout
Options.")

If you are also the Annuitant and You die, the provisions described
immediately above apply, except that the Beneficiary may only apply the Death
Benefit payment to a payout plan if:

(1) payments under the option begin within one (1) year of the
Annuitant's death; and
(2) payments under the option are payable over the Beneficiary's life
or over a period not greater than the Beneficiary's life
expectancy.

15-VSTAR-01

DEATH BENEFIT BEFORE THE ANNUITY START DATE

BASIC DEATH BENEFIT

If the Annuitant dies before the Annuity Start Date, the Beneficiary will
receive a Death Benefit. The Death Benefit will be equal to the greater of:

(1) the sum of all Premium Payments made under the Contract, LESS
partial withdrawals as of the date We receive due proof of the
Annuitant's death and payment instructions; or

(2) the Contract Value as of the date We receive due proof of the
Annuitant's death and payment instructions;

LESS any outstanding loans and LESS any applicable premium taxes not previously
deducted.

PROOF OF DEATH

Proof of death satisfactory to the Company consists of the death record or a
certified copy of a court decree reciting a finding of death or any other proof
satisfactory to the Company.

REQUIRED DISTRIBUTIONS

An Owner or Beneficiary who is required to begin to receive payments in the form
of a life annuity or annuity for a period certain not exceeding the recipient's
life expectancy may choose a payout plan.

16-VSTAR-01 (BASIC DEATH BENEFIT)

DEATH BENEFIT BEFORE THE ANNUITY START DATE

3 YEAR STEPPED UP ENHANCED DEATH BENEFIT

As used in this provision, Death Benefit Anniversary means every third Contract
Anniversary beginning on the Date of Issue.

If the Annuitant dies before age 75 and the Annuity Start Date, the Beneficiary
will receive a Death Benefit. The minimum Death Benefit payable upon the death
of the Annuitant before the Annuity Start Date will be reset every third year on
the Death Benefit Anniversary if the Contract Value on such Death Benefit
Anniversary is greater than the Contract Value on the previous Death Benefit
Anniversary. The Death Benefit will equal the greater of:

(1) the Contract Value as of the date We receive due proof of the
Annuitant's death and payment instructions; or

(2) the highest Contract Value as of any Death Benefit Anniversary
preceding the date the Death Benefit is determined, plus any
Premium Payments, and minus any withdrawals and charges, incurred
between such Death Benefit Anniversary and the date the Death
Benefit is determined. This value is initially set on the first
Death Benefit Anniversary and equals the greater of: (a) the sum
of Premium Payments, MINUS partial withdrawals; or (b) Contract
Value, on that date. This value will be reset on every future
Death Benefit Anniversary to equal Contract Value on that date
only if the Contract Value on that Death Benefit Anniversary is
greater than the Death Benefit Value on any previous Death Benefit
Anniversary. Once reset, this value will never decrease unless
partial withdrawals are made;

LESS any outstanding loans and LESS any applicable premium taxes not previously
deducted.

BASIC DEATH BENEFIT

If the Annuitant dies at or after age 75 and before the Annuity Start Date, the
Beneficiary will receive a Death Benefit. The Death Benefit will be equal to the
greater of:

(1) the sum of all Premium Payments made under the Contract, LESS
partial withdrawals as of the date We receive due proof of the
Annuitant's death and payment instructions; or

(2) the Contract Value as of the date We receive due proof of the
Annuitant's death and payment instructions;

LESS any outstanding loans and LESS any applicable premium taxes not previously
deducted.

PROOF OF DEATH

Proof of death satisfactory to the Company consists of the death record or a
certified copy of a court decree reciting a finding of death or any other proof
satisfactory to the Company.

REQUIRED DISTRIBUTIONS

16-VSTAR-01 (3 YEAR STEPPED UP ENHANCED DB)

DEATH BENEFIT BEFORE THE ANNUITY START DATE

1 YEAR STEPPED UP ENHANCED DEATH BENEFIT

As used in this provision, Death Benefit Anniversary means every Contract
Anniversary beginning on the Date of Issue.

If the Annuitant dies before age 75 and the Annuity Start Date, the Beneficiary
will receive a Death Benefit. The minimum Death Benefit payable upon the death
of the Annuitant before the Annuity Start Date will be reset every year on the
Death Benefit Anniversary if the Contract Value on such Death Benefit
Anniversary is greater than the Contract Value on the previous Death Benefit
Anniversary. The Death Benefit will equal the greater of:

(1) the Contract Value as of the date We receive due proof of the
Annuitant's death and payment instructions; or

LESS any outstanding loans and LESS any applicable premium taxes not previously
deducted.

DEATH BENEFIT

If the Annuitant dies at or after age 75 and before the Annuity Start Date, the
Beneficiary will receive a Death Benefit. The Death Benefit will be equal to the
greater of:

(1) the sum of all Premium Payments made under the Contract, LESS
partial withdrawals as of the date We receive due proof of the
deceased's death and payment instructions; or

(2) the Contract Value as of the date We receive due proof of the
Annuitant's death and payment instructions;

LESS any outstanding loans and LESS any applicable premium taxes not previously
deducted.

PROOF OF DEATH

Proof of death satisfactory to the Company consists of the death record or a
certified copy of a court decree reciting a finding of death or any other proof
satisfactory to the Company.

REQUIRED DISTRIBUTIONS

16-VSTAR-01 (1 YEAR STEPPED UP ENHANCED DB)

BENEFICIARIES

You may designate the Beneficiaries as primary or contingent to indicate the
order in which they take. If You name two or more Beneficiaries of the same
class they will share equally unless you state how they are to share. If You
identify a relative as a Beneficiary, We will interpret that to mean a relative
of the Annuitant unless You state the relationship is to another person.

Any Beneficiary who dies within 10 days of the Annuitant's or Owner's death will
not be entitled to any benefits unless that Beneficiary is living when We
receive due proof of the Annuitant's or Owner's death.

DEATH OF PAYEE AFTER THE ANNUITY START DATE

If the Payee dies after the Annuity Start Date, any Joint Payee becomes the sole
Payee. If there is no Joint Payee, the Successor Payee becomes the sole Payee.
If there is no Successor Payee, the remaining benefits are paid to the estate of
the last surviving Payee. The death of the Payee after the Annuity Start Date
will have the effect stated in the payout plan pursuant to which annuity
payments are being made. If any Owner dies on or after the Annuity Start Date,
any payments that remain must be made at least as rapidly as under the payout
plan in effect on the date of Your death.

17-VSTAR-01 (STANDARD - W/ NO DEATH EXPENSE FEATURE)

BENEFICIARIES

DEATH OF PAYEE AFTER THE ANNUITY START DATE

DEATH EXPENSE BENEFIT FEATURE

If the Annuitant is 75 or younger when we issue your contract (or if the
owner/annuitant's spouse is 75 or younger when he or she elects to continue the
contract) the death benefit payable will be the greater of:

(1) the Contract's basic death benefit; or

(2) any applicable enhanced death benefit you selected

increased by the Death Expense Benefit (XXX) which is:

35% of the XXX Earnings calculated at the time the death benefit is
calculated.

XXX Earnings are equal to the Contract Value less Net Premiums. Net Premiums are
the total premiums paid, which have been reduced on a pro-rata basis by any
partial withdrawals. In determining the Net Premiums, we will not consider
premium payments made during the 12-month period before death. No benefit is
payable under the Death Expense Benefit feature if there are no XXX Earnings on
the date the death benefit is calculated. The charge for the Death Expense
Benefit is deducted even during periods when no Death Expense Benefit would be
paid because there are no XXX Earnings.

If the Annuitant's age at death is greater than age 85, then the Death Expense
Benefit payable will not exceed the Death Expense Benefit available at the
Annuitant's 85th birthdate.

The death expense benefit may not exceed 40% of Net Premiums on the date the
death benefit is calculated.

If a spouse elects to continue the Contract instead of receiving a death benefit
and Death Expense Benefit under the Contract, the Death Expense Benefits will
continue under the same terms and conditions as issued to the owner/annuitant.
The charge for the Death Expense Benefit will be deducted even during periods
when no Death Expense Benefit would be paid because there are no XXX Earnings.
If the spouse continues the contract, and if his or her age at death is greater
than age 85, the Death Expense Benefit payable will not exceed the Death Expense
Benefit available at the spouse's 85th birthdate.

The Death Expense Benefit will not be paid unless: (a) death occurs at least 12
months after the date of issue; (b) a death benefit is payable under the
Contract, and (c) there are XXX Earnings when the death benefit is calculated.

If you purchase your Contract as part of a 1035 exchange, the XXX Earnings do
not include any gains before the date of issue of the Contract.

For purposes of computing taxable gains, both the death benefit payable under
the Contract and the Death Expense Benefit will be considered.

17-VSTAR-01 (DEATH EXPENSE BENEFIT FEATURE)

SECTION 10 -PAYOUT PLAN PROVISIONS

ANNUITY START DATE

We will ask You to select an Annuity Start Date. You cannot select an Annuity
Start Date which is less than one year from the Date of Issue. If You do not
select a date, the Annuity Start Date is the Annuitant's age 99.

We will start annuity payments to the Annuitant on the Annuity Start Date shown
on Page 4 unless You request a change in the Annuity Start Date. You can change
the Annuity Start Date to any Contract Anniversary or to any date on which You
withdraw the Contract Value. Your Written Request must be received in Our
Administration Office at least 31 days prior to the existing Annuity Start Date.

PAYOUT PLANS

You may apply the Contract Value, less any applicable Contract Fee, Withdrawal
Charges, any outstanding loans, and premium taxes not yet deducted, under any of
the following payout plans or any other plan then being offered by the Company.
Payout Plans may be fixed or variable.

The amount of the payment is not guaranteed if a variable payout is selected. If
a fixed payout is selected, the payments for each $1,000 applied will not be
less than those shown in the Fixed Period Table in Section 12.

You may request quarterly, semi-annual, or annual annuity payments instead of
monthly payments.

(1) Installment Income Plans

(A) Fixed Period -Paid in monthly payments for the number of years
You select from 1 to 30 years. The amount of the payment is not
guaranteed if a variable payout is selected. If a fixed payout is
selected, the payments for each $1,000 applied will not be less
than those shown in the Fixed Period Table in Section 12. Payments
may be commuted.

(B) Fixed Amount -Paid in equal monthly installments of $5.00 or
more for each $1,000 applied. The number of payments is not
guaranteed if a variable payout is selected. If a fixed payout is
selected, payments will be made until the full amount applied with
compound interest at not less that 3% is used up. Payments may be
commuted.

(2) Life Income Plans

(A) One Life -Paid monthly during the lifetime of the Payee. We
will guarantee payments for either 10 or 20 years and for as long
as the Payee lives. The amount of the payment is not guaranteed if
a variable payout is selected. If a fixed payout is selected, the
payments for each $1,000 applied will not be less than those shown
in the One Life Table. The amount paid is based on the Payee's sex
and age on the date of the first annuity payment. Payments
guaranteed for 10 or 20 years may be commuted. Payments guaranteed
only for the life of the Payee may not be commuted.

(B) Joint and Survivor -paid in monthly payments jointly to two
Payees and after one dies to the surviving Payee. The amount paid
is based on the sex and age of both Payees on the date of the
first payment. If either one dies before the due date of the first
payment, We will pay the survivor under the Life Income Plan A
with payments guaranteed for 10 years. Payments may not be
commuted.

18-VSTAR-01

VARIABLE PAYOUT

A variable payout plan is a payout plan with payments increasing or decreasing
in amount in accordance with the Annuity Unit values of one or more of the
Subaccount(s) (as described in the Separate Account Provisions). The dollar
amount for the first variable annuity payment is the same as the first fixed
annuity payment (assuming the fixed payment is based on the minimum guaranteed
3% interest rate). Later variable annuity payments, however, will vary to
reflect net investment performance of the Subaccount selected.

Once variable payments begin, the number of Annuity Units remains fixed with
respect to a Subaccount. If the Contract Owner elects by Written Request to
exchange Annuity Units of one Subaccount for those of another Subaccount, the
number will change effective with that election but will remain fixed in number
following such election. The method of calculating the Annuity Unit value is
described under the Separate Account Provisions.

The dollar amount of the second and subsequent variable payments is not
predetermined and may increase or decrease from period to period. The actual
amount of each variable payment after the first is determined by multiplying the
number of Annuity Units by the Annuity Unit values described in the Separate
Account Provisions.

FIXED PAYOUT

We guarantee interest under all fixed payout plans at a minimum rate of 3% a
year. We may increase the interest rate above the minimum. Monthly payments on
Life Income Plans will be based on the interest rate in effect on the due date
of the first payment.

CHOOSING A PAYOUT PLAN

You may choose or change a payout plan at any time before the Annuity Start
Date. The choice must be in writing and in a form satisfactory to Us. The
minimum amount which may be applied under a payout plan is $2,500. Any choice
involving more than one payout plan must have Our approval.

If You do not elect a payout plan by the Annuity Start Date, We will apply the
adjusted Contract Value, less any applicable Withdrawal Charges, under Life
Income Plan A with payments guaranteed for 10 years. When a Payee who is
entitled to a payment in one sum chooses a payout plan, the rights of all other
Beneficiaries end. Any amount payable when a Payee dies will be paid in one sum
to the Payee's estate unless the Payee has named a Successor Payee.

DATE OF PAYMENT

The first payment under any payout plan will be made on the fifteenth day of the
month immediately following Your selection of a plan. Subsequent payments shall
be made on the fifteenth day of each subsequent month in accordance with the
manner of payment selected.

SECTION 11 -GENERAL PROVISIONS

CHANGE IN THE OPERATION OF THE SEPARATE ACCOUNT

If required, approval of or change of any investment policy will be filed with
the Insurance Department of the State of Kansas and the state where this
Contract is delivered.

When permitted by law, We may create new separate accounts; combine separate
accounts, including the Separate Account; add new Subaccounts to or remove
existing Subaccounts from the Separate Account or combine Subaccounts; make new
Subaccounts or other Subaccounts available to such classes of Contracts as We
may determine; add new Funds or remove existing Funds; if shares of a Fund are
no longer available for investment or if We determine that investment in a Fund
is no longer appropriate in light of the purposes of the Separate Account,
substitute a different Fund for any existing Fund; de-register the Separate
Account under the Investment Company Act of 1940 in the event registration is no
longer required; operate the Separate Account as a management investment company
under the Investment Company Act of 1940 or as any other form permitted by law;
and make any changes to the Separate Account or its operations as may be
required by the Investment Company Act of 1940 or other applicable law or
regulations.

19-VSTAR-01

CREDITOR'S CLAIMS

All payments under the Contract will be exempt from the claims of creditors and
legal process in the extent permitted by law. No payment will be transferred,
assigned or withdrawn before it becomes payable unless We agree.

INCONTESTABILITY

The Contract will be incontestable from the Date of Issue.

INCORRECT AGE OR SEX

If the Annuitant's age or sex has been misstated, the amount of the annuity
payable by the Company shall be that provided by that portion of the amounts
allocated to affect such annuity on the basis of the corrected information
without changing the date of the first payments of such annuity. Any overpayment
We make will be charged with compound interest against subsequent payments. Any
amounts We owe as a result of under-payment will be paid with compound interest
upon receipt of notice of the underpayment. The rate will be the rate We use to
determine the number or amount of the payments.

MODIFICATION OF CONTRACT

Any change in the Contract or waiver of its provisions must be in writing and
signed by Our President, a Vice President, Our Secretary or Assistant Secretary.
No other person can change or waive any of its provisions.

Upon notice to You, the Company may modify the Contract, if necessary, to permit
the Contract or the Separate Account to comply with any applicable law or
regulation issued by a government agency or if necessary to assure continued
qualification of the contract under the Internal Revenue Code or other federal
or state laws relating to retirement annuities or variable annuities contracts,
or if necessary to effect a change in the operation of the Separate Account; or
if the modification provides additional investment options.

In the event of such modifications, the Company will make the appropriate
endorsement to the Contract.

NON-PARTICIPATING

This Contract does not participate in surplus earnings of the General Account.

PROOF OF FACTS

We may ask any person claiming the right to payments for proof satisfactory to
Us of such person's age, sex and right to payment. Any payments We make relying
on that proof discharge Us from any obligation to make that payment to another
person.

REPORTS TO THE OWNER

We will provide You with a report showing the Contract Values at least once each
year. We will also provide You an annual report of the Separate Account and any
other notice or report required by law to be delivered to Owners. All reports
and notices will be sent to Your last known address.

SUBMISSION OF CONTRACT

We may ask You to relinquish the Contract or send it to Us for endorsement
before We make any payment. Failure to have You surrender the Contract or note
payment on it does not indicate that We have not made payment.

VOTING PRIVILEGES

So long as Federal law requires, We will give You certain voting privileges. As
Contract Owner, if You have voting privileges, We will send a notice to You
telling You the time and place of a shareholder meeting. The notice will also
explain the matter to be voted upon and how many votes You get.

20-VSTAR-01 (NON-UNISEX PAGE)

CREDITOR'S CLAIMS

INCONTESTABILITY

The Contract will be incontestable from the Date of Issue.

INCORRECT AGE

If the Annuitant's age has been misstated, the amount of the annuity payable by
the Company shall be that provided by that portion of the amounts allocated to
affect such annuity on the basis of the corrected information without changing
the date of the first payments of such annuity. Any overpayment We make will be
charged with compound interest against subsequent payments. Any amounts We owe
as a result of under-payment will be paid with compound interest upon receipt of
notice of the underpayment. The rate will be the rate We use to determine the
number or amount of the payments.

MODIFICATION OF CONTRACT

In the event of such modifications, the Company will make the appropriate
endorsement to the Contract.

NON-PARTICIPATING

This Contract does not participate in surplus earnings of the General Account.

PROOF OF FACTS

REPORTS TO THE OWNER

SUBMISSION OF CONTRACT

VOTING PRIVILEGES

20-VSTAR-01 (UNISEX PAGE)

SECTION 12 -TABLES

FIXED PERIOD MINIMUM INCOME TABLE*

MONTHLY PAYMENTS FOR EACH $1,000 APPLIED

======================================================================================================================

NUMBER OF YEARS MONTHLY INSTALLMENTS NUMBER OF YEARS MONTHLY INSTALLMENTS NUMBER OF YEARS MONTHLY INSTALLMENTS
----------------------------------------------------------------------------------------------------------------------

1 84.47 11 8.86 21 5.32

2 42.86 12 8.24 22 5.15

3 28.99 13 7.71 23 4.99

4 22.06 14 7.26 24 4.84

5 17.91 15 6.87 25 4.71

6 15.14 16 6.53 26 4.59

7 13.16 17 6.23 27 4.47

8 11.68 18 5.96 28 4.37

9 10.53 19 5.73 29 4.27

10 9.61 20 5.51 30 4.18
======================================================================================================================

*Values are based on compound interest at 3.0% a year. Other rates
are available on request.

21-VSTAR-01

ONE LIFE MINIMUM INCOME TABLE*

MONTHLY PAYMENTS FOR EACH $1,000 APPLIED

=====================================================================================================================

Age of Payee
Last Birthday Life Only Income Life 10 Years Certain Life 20 Years Certain
--------------------------------------------------------------------------------------------------
Male Female Male Female Male Female
--------------------------------------------------------------------------------------------------

50 4.17 3.82 4.13 3.81 4.01 3.76
51 4.24 3.88 4.20 3.87 4.07 3.81
52 4.32 3.95 4.27 3.93 4.13 3.86
53 4.40 4.01 4.35 3.99 4.19 3.92
54 4.49 4.08 4.43 4.06 4.25 3.97
55 4.58 4.15 4.51 4.13 4.31 4.03
56 4.67 4.23 4.60 4.20 4.37 4.09
57 4.78 4.31 4.70 4.28 4.44 4.15
58 4.88 4.40 4.80 4.36 4.50 4.22
59 5.00 4.49 4.90 4.44 4.57 4.29
60 5.12 4.59 5.01 4.54 4.63 4.35
61 5.26 4.69 5.13 4.63 4.70 4.42
62 5.40 4.80 5.25 4.73 4.77 4.49
63 5.55 4.92 5.37 4.84 4.83 4.57
64 5.71 5.04 5.51 4.95 4.89 4.64
65 5.89 5.18 5.65 5.07 4.95 4.71
66 6.07 5.32 5.79 5.20 5.01 4.78
67 6.27 5.47 5.94 5.33 5.07 4.85
68 6.48 5.64 6.10 5.48 5.12 4.92
69 6.71 5.82 6.26 5.62 5.17 4.99
70 6.95 6.01 6.42 5.78 5.22 5.05
71 7.20 6.22 6.59 5.94 5.26 5.11
72 7.47 6.44 6.76 6.11 5.30 5.17
73 7.76 6.68 6.93 6.29 5.33 5.22
74 8.07 6.94 7.11 6.48 5.36 5.27
75 8.41 7.23 7.29 6.67 5.39 5.31
76 8.76 7.53 7.46 6.86 5.42 5.35
77 9.15 7.86 7.64 7.06 5.44 5.38
78 9.56 8.22 7.81 7.26 5.45 5.40
79 9.99 8.60 7.98 7.46 5.47 5.43
80 10.46 9.02 8.14 7.66 5.48 5.45
81 10.96 9.47 8.29 7.85 5.49 5.46
82 11.49 9.96 8.44 8.04 5.49 5.48
83 12.05 10.49 8.58 8.22 5.50 5.49
84 12.65 11.06 8.71 8.39 5.50 5.49
85 13.29 11.67 8.83 8.55 5.51 5.50
86 13.97 12.34 8.95 8.69 5.51 5.50
87 14.69 13.05 9.05 8.83 5.51 5.51
88 15.46 13.82 9.14 8.95 5.51 5.51
89 16.27 14.62 9.22 9.05 5.51 5.51
90 17.14 15.47 9.30 9.15 5.51 5.51
=====================================================================================================================

*Values are based on compound interest at 3.0% a year. Other
rates are available on request.

22-VSTAR-01

JOINT & SURVIVOR WITH 20 YEAR CERTAIN TABLE*

MONTHLY PAYMENTS FOR EACH $1,000 APPLIED

=======================================================================================================================

Number of Years Younger Same Number Of Years Older
-----------------------------------------------------------------------------------------------------------------------
Female 7 6 5 4 3 2 1 Age 1 2 3
-----------------------------------------------------------------------------------------------------------------------
Male Age:
-----------------------------------------------------------------------------------------------------------------------

50 3.36 3.38 3.41 3.44 3.46 3.49 3.52 3.55 3.57 3.60 3.63

51 3.39 3.42 3.45 3.48 3.51 3.53 3.56 3.59 3.62 3.65 3.68

52 3.43 3.46 3.49 3.52 3.55 3.58 3.61 3.64 3.67 3.70 3.73

53 3.47 3.50 3.53 3.56 3.60 3.63 3.66 3.69 3.72 3.75 3.79

54 3.51 3.55 3.58 3.61 3.64 3.68 3.71 3.74 3.78 3.81 3.84

55 3.56 3.59 3.63 3.66 3.70 3.73 3.77 3.80 3.84 3.87 3.91

56 3.60 3.64 3.68 3.71 3.75 3.79 3.82 3.86 3.90 3.94 3.97

57 3.65 3.69 3.73 3.77 3.81 3.84 3.88 3.92 3.96 4.00 4.04

58 3.70 3.74 3.78 3.82 3.87 3.91 3.95 3.99 4.03 4.07 4.12

59 3.76 3.80 3.84 3.89 3.93 3.97 4.02 4.06 4.11 4.15 4.19

60 3.82 3.86 3.90 3.95 4.00 4.04 4.09 4.14 4.18 4.23 4.28

61 3.88 3.92 3.97 4.02 4.07 4.12 4.17 4.22 4.27 4.32 4.37

62 3.94 3.99 4.04 4.09 4.14 4.19 4.25 4.30 4.35 4.41 4.46

63 4.01 4.06 4.11 4.17 4.22 4.28 4.33 4.39 4.45 4.50 4.56

64 4.08 4.13 4.19 4.25 4.31 4.37 4.43 4.49 4.55 4.60 4.66

65 4.15 4.21 4.27 4.33 4.40 4.46 4.52 4.59 4.65 4.71 4.78

66 4.23 4.30 4.36 4.43 4.49 4.56 4.63 4.69 4.76 4.83 4.90

67 4.32 4.39 4.45 4.52 4.59 4.66 4.74 4.81 4.88 4.95 5.02

68 4.41 4.48 4.55 4.63 4.70 4.78 4.85 4.93 5.01 5.08 5.16

69 4.50 4.58 4.66 4.74 4.81 4.90 4.98 5.06 5.14 5.22 5.30

70 4.61 4.69 4.77 4.85 4.94 5.02 5.11 5.19 5.28 5.37 5.45

71 4.71 4.80 4.89 4.97 5.06 5.16 5.25 5.34 5.43 5.52 5.61

72 4.83 4.92 5.01 5.11 5.20 5.30 5.40 5.49 5.59 5.69 5.78

73 4.95 5.04 5.14 5.24 5.35 5.45 5.55 5.66 5.76 5.86 5.96

74 5.08 5.18 5.28 5.39 5.50 5.61 5.72 5.83 5.93 6.04 6.14

75 5.21 5.32 5.43 5.55 5.66 5.78 5.89 6.01 6.12 6.23 6.34
======================================================================================================================

*Values are based on compound interest at 3.0% a year. Other rates
not shown will be provided on request.

23-VSTAR-01

[SECTION 13 - WAIVER OF WITHDRAWAL CHARGES

WAIVER OF WITHDRAWAL CHARGES - HOSPITALIZATION /
LONG TERM CARE / TERMINAL ILLNESS

In addition to those situations set forth in the Contract, the withdrawal charge
will not apply if the Annuitant or the Annuitant's spouse is Confined to a
Hospital for 30 days or is Confined to a Long Term Care Facility for at least 90
consecutive days. Written notice and proof of Confinement for 30 consecutive
days in a Hospital or 90 days in a Long Term Care Facility must be received at
our Administration Office prior to our waiver of withdrawal charges because of
the Confinement.

If the Annuitant develops a Terminal Illness, You may withdraw a portion of the
entire balance of the Contract Value prior to the Annuity Start Date and while
the Annuitant is alive. No withdrawal charges will apply. The minimum partial
withdrawal you can make is $500.00. Withdrawals may not be repaid. You must
provide us written proof of Terminal Illness on a form provided by us. The form
must be completed by You and your physician and received by us in our
Administration Office, during the Annuitant's lifetime, before benefits under
this endorsement are payable. We may request additional medical information. We
may also, at our expense, have you examined by a physician of our choice before
benefits are paid.

"Confined" means confined as an inpatient. To be covered, confinement must
commence while this Contract is in force and be required by sickness or injury.
Such confinement must have been upon the recommendation of a physician.

"Hospital" means a facility which is state licensed and operated as a hospital
according to the law of the jurisdiction in which it is located; operates
primarily for the care and treatment of sick or injured persons as inpatients;
provides continuous 24 hours a day nursing service by or under the supervision
of a registered graduate professional nurse (R.N.); is supervised by a staff of
physicians; and has medical, diagnostic and major surgical facilities or has
access to such facilities on a pre-arranged basis.

"Injury" means accidental bodily injury, which is sustained while this Contract
is in force.

"Inpatient" means a person who is Confined in a Hospital as a resident patient
and for whom a charge of at least one day's room and board is made by the
Hospital.

"Intermediate Care Facility" means a facility which is operated as an
Intermediate Care Facility according to the law of the jurisdiction in which it
is located; provides continuous 24 hours a day nursing service by or under the
supervision of a registered graduate professional nurse (R.N.) or a licensed
practical nurse (L.P.N.); and maintains a daily medical record of each patient.

Neither "registered graduate professional nurse" nor "licensed practical nurse"
includes the Annuitant or the Annuitant's spouse, or the child, parent, brother
or sister of either the Annuitant or the Annuitant's spouse.

"Long Term Care Facility" means a state licensed Skilled Nursing Facility or
Intermediate Care Facility. Long Term Care Facility does not mean: a Hospital; a
place that primarily treats drug addicts or alcoholics; a home for the aged or
mentally ill, a community living center; or a place that primarily provides
domiciliary, residency or retirement care; or a place owned or operated by a
member of the Annuitant's immediate family.

"Physician" is a person currently licensed to practice medicine in the state in
which the Annuitant resides or has been treated. "Physician" does not include:
(1) the Annuitant or Owner; (2) a person who lives with the Annuitant or Owner;
(3) a person who is related to the Annuitant or Owner by blood or marriage.

"Sickness" means sickness or disease, which first manifests itself while this
Contract is in force.

"Skilled Nursing Facility" means a facility which: is operated as a Skilled
Nursing Facility according to the law of the jurisdiction in which it is
located; provides skilled nursing care under the supervision of a physician;
provides continuous 24 hours a day nursing service by or under the supervision
of a registered graduate professional nurse (R.N.); and maintains a daily
medical record of each patient.

"Terminal Illness" is a non-correctable medical condition that: (1) with
reasonable medical certainty, will result in the death of the Annuitant in less
than one (1) year from the date of completion of the application for terminal
illness benefits; and (2) was first diagnosed after the effective date of this
contract.]

24-VSTAR-01 (HOSP/LTC/TIB WAIVER OF WD CHARGES)

[SECTION 13 - WAIVER OF WITHDRAWAL CHARGES

WAIVER OF WITHDRAWAL CHARGES - POST SECONDARY EDUCATION

If You, your spouse, your child or Annuitant is enrolled in a college,
university, vocational, technical, trade, or business school, You may, subject
to the provisions of this endorsement, withdraw up to 20% of the Contract Value
each Contract Year prior to the Annuity Commencement Date and while the
Annuitant is alive. No withdrawal charges will apply. You may make one
Withdrawal per Contract Year. Withdrawals may not be repaid.

The maximum combined withdrawal you may make under this provision, and the
Annual Free Withdrawal Amount provision is 20% of the Contract Value.

"Child" means your natural or adopted child or a stepchild who resides in your
household. It does not include a grandchild.

You must provide us written proof of enrollment on a form provided by us. The
form must be completed by You and the college, university, vocational,
technical, trade, or business school. The form must be received by us in our
Administration Office, during your lifetime and within one (1) year of the date
of enrollment.]

24-VSTAR-01 (POST SECONDARY ED WAIVER OF WD CHARGES)

IL ANNUITY AND INSURANCE COMPANY
0000 Xxxxx Xxxxxxxx Xxxxxx
Xxxxxxxxxxxx, Xxxxxxx 00000

INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT
NON-PARTICIPATING
INCOME PAYABLE AT MATURITY
DEATH BENEFIT PAYABLE IN THE EVENT OF THE ANNUITANT'S DEATH PRIOR TO MATURITY

For service or information about Your policy, contact Our Administration Office
at 0-000-000-0000 or P.O. Box 6012, Indianapolis, IN 46206-6012.

VSTAR-01 BACK

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EXHIBIT 4.(A)

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