EXHIBIT (3)(b) -------------- AMENDMENT TO PRINCIPAL UNDERWRITING AGREEMENT AMENDMENT TO PRINCIPAL UNDERWRITING AGREEMENT

                                EXHIBIT (3)(b)
                                --------------

                 AMENDMENT TO PRINCIPAL UNDERWRITING AGREEMENT


                 AMENDMENT TO PRINCIPAL UNDERWRITING AGREEMENT

                                   EXHIBIT A

                              DATED JULY 27, 1999



1.  PFL Life Variable Annuity Account A

2.  PFL Endeavor VA Separate Account

3.  PFL Xxxxxx Variable Annuity Account

4.  PFL Retirement Builder Variable Annuity Account

5.  PFL Endeavor Target Account

6.  PFL Endeavor Variable Life Account

7.  Legacy Builder Variable Life Separate Account

8.  PFL Life Variable Annuity Account C



AFSG SECURITIES CORPORATION             PFL LIFE INSURANCE COMPANY



By:  /s/ Xxxxx X. Xxxxxx                By:  /s/ Xxxxxxx X. Xxxxxx
     -------------------                     ---------------------
     Xxxxx X. Xxxxxx                         Xxxxxxx X. Xxxxxx

Title:  President                       Title:  President
        ----------------                        ------------------