0000917677-03-000004 Sample Contracts

PARTICIPATION AGREEMENT Among ING VP BOND PORTFOLIO and SOUTHLAND LIFE INSURANCE COMPANY and ING FUNDS DISTRIBUTOR, INC.
Participation Agreement • February 7th, 2003 • Southland Separate Account L1 • Delaware

THIS AGREEMENT, made and entered into as of this 1st day of May, 2001, among SOUTHLAND LIFE Insurance Company (the "Company"), a life insurance company organized under the laws of Texas, on its own behalf and on behalf of each separate account of the Company as set forth on Schedule A hereto, as such Schedule may be amended from time to time (each such account hereinafter referred to as the "Account"), ING BOND PORTFOLIO (the "Trust") an open-ended management investment company and business trust organized under the laws of Massachusetts, and ING FUNDS DISTRIBUTOR, INC. (the "Distributor"), a corporation organized under the laws of the State of Delaware.

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PARTICIPATION AGREEMENT AMONG PIONEER VARIABLE CONTRACTS TRUST, SOUTHLAND LIFE INSURANCE COMPANY PIONEER INVESTMENT MANAGEMENT, INC. AND PIONEER FUNDS DISTRIBUTOR, INC.
Participation Agreement • February 7th, 2003 • Southland Separate Account L1 • Massachusetts

THIS AGREEMENT, made and entered into as of the 30th day of April, 2002, by and among PIONEER VARIABLE CONTRACTS TRUST, a Delaware business trust (the "Trust"), SOUTHLAND LIFE INSURANCE COMPANY, a Texas life insurance company (the "Company") on its own behalf and on behalf of each of the segregated asset accounts of the Company set forth in Schedule A hereto, as may be amended from time to time (the "Accounts"), PIONEER INVESTMENT MANAGEMENT, INC., a Delaware corporation ("PIM") and PIONEER FUNDS DISTRIBUTOR, INC. ("PFD"), a corporation organized under the laws of The Commonwealth of Massachusetts.

PARTICIPATION AGREEMENT Among ING Partners, Inc., ING Life Insurance and Annuity Company, ING Financial Advisers, LLC and Southland Life Insurance Company
Participation Agreement • February 7th, 2003 • Southland Separate Account L1 • Maryland

THIS AGREEMENT, dated as of the 1st day of May, 2002, by and among ING Partners, Inc. (the "Fund"), a management investment company organized under the laws of the State of Maryland, ING Life Insurance and Annuity Company, a life insurance company organized under the laws of the State of Connecticut, referred to herein as the "Adviser" in its capacity as investment adviser to the Fund, Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas, referred to herein as the "Company" in its capacity as the issuer of variable annuity and/or variable life insurance contracts, on its own behalf and on behalf of each separate account of the Company set forth on Schedule A hereto as may be amended from time to time (each such account hereinafter referred to as the "Account") and ING Financial Advisers, LLC (the "Distributor"), a limited liability company organized under the laws of the State of Delaware.

PARTICIPATION AGREEMENT Among ING VARIABLE PORTFOLIOS, INC. and SOUTHLAND LIFE INSURANCE COMPANY and ING FUNDS DISTRIBUTOR, INC.
Participation Agreement • February 7th, 2003 • Southland Separate Account L1 • Delaware

THIS AGREEMENT, made and entered into as of this 1st day of May, 2001, among SOUTHLAND LIFE Insurance Company (the "Company"), a life insurance company organized under the laws of Colorado, on its own behalf and on behalf of each separate account of the Company as set forth on Schedule A hereto, as such Schedule may be amended from time to time (each such account hereinafter referred to as the "Account"), ING VARIABLE PORTFOLIOS, INC., (ING VPI), an open-ended management investment company and corporation organized under the laws of Maryland, and ING FUNDS DISTRIBUTOR, INC. (the "Distributor"), a corporation organized under the laws of the State of Delaware.

AMENDMENT TO ADMINISTRATIVE AND SHAREHOLDER SERVICES AGREEMENT
Administrative and Shareholder Services Agreement • February 7th, 2003 • Southland Separate Account L1

THIS AGREEMENT is made by and between Southland Life Insurance Company (the "Company"), a life insurance company organized under the laws of the State of Texas and ING Funds Services, LLC (the "Administrator), a limited liability company organized under the laws of the State of Delaware, collectively, "the Parties".

SERVICE AGREEMENT WITH INVESTMENT ADVISER
Service Agreement With Investment Adviser • February 7th, 2003 • Southland Separate Account L1

THIS AGREEMENT, effective as of May 1, 2002 between ING Life Insurance and Annuity Company (the "Adviser"), a Connecticut corporation, and Southland Life Insurance Company (the "Company"), a Texas corporation, for the provision of described administrative services by the Company in connection with the sale of shares of ING Partners, Inc. (the "Fund") as described in the Participation Agreement dated as of May 1, 2002, and as may be amended in the future, between the Company, the Fund and the Adviser (the "Participation Agreement").

AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • February 7th, 2003 • Southland Separate Account L1

THIS AGREEMENT is made by and among Southland Life Insurance Company (the "Company"), a life insurance company organized under the laws of the State of Texas, ING Variable Products Trust (the "Trust"), an open-end management investment company and business trust organized under the laws of the Common Wealth of Massachusetts, and ING Funds Distributor, Inc. (the "Distributor"), a corporation organized under the laws of the State of Delaware, (collectively, "the Parties").

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