<PAGE>
EXHIBIT 1.A.(8)(a)(iii)
Amendment to Participation Agreement among MFS Variable Insurance Trust,
Massachusetts Financial Services Company and PFL Life Insurance Company
dated September 22, 2000
<PAGE>
ADDENDUM TO PARTICIPATION AGREEMENT
-----------------------------------
Amendment to the Participation Agreement, dated as of November 24, 1997, by
and among MFS VARIABLE INSURANCE TRUST, MASSACHUSETTS FINANCIAL SERVICES
COMPANY, and PFL LIFE INSURANCE COMPANY (the "Agreement").
Schedule A of the Agreement is hereby deleted in its entirety and replaced
with the following:
SCHEDULE A
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ACCOUNTS, POLICIES AND PORTFOLIOS
---------------------------------
SUBJECT TO THE PARTICIPATION AGREEMENT
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<TABLE>
<CAPTION>
Name of Separate Account
And Date Established by Policies Funded by Portfolios Applicable
Board of Directors Separate Account to Policies
------------------------ -------------------- -----------------------
--------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------
<S> <C> <C>
PFL Retirement Builder PFL Life Insurance Company Policy MFS Emerging Growth Series
Variable Annuity Account Form No. AV288-101-985-796 MFS Research Series
March 29, 1996 (including successor forms, MFS Total Return Series
addenda and endorsements - may MFS Utilities Series
Legacy Builder Variable Life vary by state) under marketing MFS Emerging Markets Equity Series*
Separate Account names: "Retirement Income
November 20, 1998 Builder Variable Annuity",
"Portfolio Select Variable
Annuity"
PFL Life Insurance Company Policy
Form No.'s LV20 & JL20 under the
marketing name "Legacy Builder II"
PFL Life Insurance Company Policy
Form No. WL851 136 58 699 under
the marketing name "Legacy
Builder Plus" and "Estate
Enhancer"
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</TABLE>
* This Series is only available for investment by owners of Policies that were
in existence on May 1, 1999.
<PAGE>
All other terms and provisions of the Agreement not amended herein shall
remain in full force and effect.
Effective Date: September 22, 2000
MFS VARIABLE INSURANCE TRUST MASSACHUSETTS FINANCIAL
on behalf of the Portfolios SERVICES COMPANY
By: /s/ James R. Bordewick, Jr. By: /s/ Arnold D. Scott
--------------------------- -------------------------------
Name: James R. Bordewick, Jr. Name: Arnold D. Scott
Title: Assistant Secretary Title: Senior Executive Vice President
PFL LIFE INSURANCE COMPANY
By: /s/ Ronald L. Ziegler
---------------------
Name: Ronald L. Ziegler
Title: Vice Presidetn & Actuary
