COVA VARIABLE ANNUITY ACCOUNT FIVE, N-4, EX-99.B4(XV), 2001-01-19

COVA VARIABLE ANNUITY ACCOUNT FIVE
N-4, EX-99.B4(XV), 2001-01-19

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                 Cova Financial Life Insurance Company
                         4100 Newport Place Drive, Suite 840
                                    Newport Beach, CA 92600




UNISEX ANNUITY RATES RIDER

This  Rider  forms a part of the  Contract  to which it is  attached  for use in
connection with a retirement plan which receives  favorable income tax treatment
under  Sections 401, 403 or 408 of the Internal  Revenue Code, or where required
by state law. In the case of a conflict with any provision in the Contract,  the
provisions  of this Rider will  control.  We may further amend the Contract from
time to time to meet any  requirements  applicable  to such  plans or laws.  The
effective  date of this Rider is the Issue Date shown on the Contract  Schedule.
The provisions of the Contract are modified as follows:

1.   Deleting any reference to sex;

2.   The Contract is further  modified by substituting the attached Annuity Rate
     Tables for the  corresponding  Annuity Rate Tables in the Tables section of



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     the Contract.

Cova Financial Life Insurance  Company has caused this Rider to be signed by its
President and Secretary.


Form 7027 (11/00)