THE MINNESOTA MUTUAL LIFE INSURANCE COMPANY HAS ISSUED THIS AGREEMENT AS A PART OF THE CONTRACT TO WHICH IT IS ATTACHED

                                       Your Contract Information
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RIDER


GENERAL
This rider is attached to and made a part of this contract in connection with
the use of this contract as an annuity under the Texas Optional Retirement
Program and any amendments thereto.  Contract provisions are hereby modified as
indicated below.

CASH WITHDRAWAL
Prior to the Annuity Commencement Date, the Withdrawal Value under this Contract
shall not be subject to any withdrawal by the Owner until such time as the
Annuity Commencement Date is reached or until the Participant dies, terminates
his employment due to total disability, accepts retirement or terminates
employment in a Texas institution of higher education which qualifies to operate
an Optional Retirement Program.  No partial withdrawal will be granted by
Minnesota Mutual and the Contract may not be surrendered for the Withdrawal
Value without certification:

    (a)  from the designated official of the Participant's employer that the
         employment of the Participant has terminated, and

    (b)  from the Participant that he is not at that time employed by a Texas
         institution of higher education which qualifies to operated an
         Optional Retirement Program and that the Participant does not intend
         to therefore become employed by such an institution, or

    (c)  by the Participant and the Participant's employer that the Withdrawal
         Value is to be transferred to another carrier qualified to participate
         in the Optional Retirement Program.

ANNUITY COMMENCEMENT DATE
The annuity Commencement Date shall be that date selected by the Owner in
accordance with the terms of the Contract, provided, however, that the Annuity
Commencement Date shall not be prior to the date the Participant terminates his
employment due to total disability, accepts retirement or terminates employment
in the Texas public institutions of higher education.

                     THE MINNESOTA MUTUAL LIFE INSURANCE COMPANY
         HAS ISSUED THIS AGREEMENT AS A PART OF THE CONTRACT TO WHICH IT IS
                                      ATTACHED

Rider- Texas Optional Retirement Program



F. 22976 Rev. 9-81