AMERICAN SKANDIA LIFE ASSURANCE CORPORATION

                       ONE CORPORATE DRIVE, P. O. BOX 883
                           SHELTON, CONNECTICUT 06484

                                (A Stock Company)

END-VLI/ADB(01/00)

                                   Endorsement

This  Endorsement  is made  part of the  Policy to which it is  attached.  It is
effective on the date such Policy is effective. The following provision is added
to the Policy:

                ACCELERATED DEATH BENEFIT DUE TO TERMINAL ILLNESS

General: The accelerated Death Benefit is pre-payment to you, not to the Insured
or to a Beneficiary,  of a portion of the Death Proceeds.  Only one such payment
is permitted. Payment may be made as described in the Payment Options section of
this Policy.

Amount of the Accelerated  Death Benefit:  The amount of the  accelerated  Death
Benefit payment is subject to a maximum,  but you may request that less than the
maximum be paid.  The maximum amount payable before any reductions is the lesser
of $250,000  and 50% of the Death  Benefit as of the  Valuation  Date we approve
such payment. The actual amount payable will be reduced by the following:

          a)   12 months of interest on that  amount.  The  applicable  interest
               rate equals the loan interest rate shown in the Schedule;

     and

          b)   A pro-rata portion of any outstanding Debt, based on the ratio by
               which the Death Benefit is reduced as a result of the accelerated
               Death Benefit payment.

Requirements for Payment of the Accelerated Death Benefit: The accelerated Death
Benefit is payable only when all our requirements are met. The requirements are:

          a)   You and any  person  or  entity  with a vested  interest  in this
               Policy, including, but not limited to, an irrevocable Beneficiary
               or an  assignee,  must  make  the  request  that we  make  such a
               payment.

          b)   Such a request must be In Writing.

          c)   We receive In Writing proof  satisfactory to us that the Insured,
               but only the last  surviving  Insured if there are two  Insureds,
               became  terminally  ill, as defined below, at least 30 days after
               the  Issue  Date  or  became  terminally  ill as a  result  of an
               accident that occurred after the Issue Date.

          d)   We receive all  information  required to meet our obligations for
               tax or other regulatory reporting.


Terminally ill, for purposes of this provision, means a condition diagnosed by a
physician,  as defined  below,  which is expected  to result in death  within 12
months  for  80% of  the  diagnosed  cases.  Physician,  for  purposes  of  this
provision,  is a person other than you, the Insured,  or a member of either your
or the Insured's family, who meets the definition of physician as defined in the
Code. We may change the  definition of terminally ill or physician to the extent
needed to make any payment  pursuant to this  provision  exempt from  federal or
state income taxation.

Consequences  to  the  Policy  of  an  Accelerated  Death  Benefit  Payment:  An
accelerated Death Benefit payment reduces the Specified  Amount,  Account Value,
Basic Death Benefit,  Guaranteed  Minimum Death Benefit,  Minimum Required Death
Benefit,  and any Debt in the same  ratio as the Death  Benefit is reduced as of
the Valuation Period such a payment is made.

PLEASE  CONSULT  YOUR TAX  ADVISOR  REGARDING  ANY TAX  ISSUES  WITH  RESPECT TO
EXERCISING  ANY  PROVISIONS  UNDER  THIS  POLICY.  THIS IS NOT A LONG  TERM CARE
POLICY.

                   American Skandia Life Assurance Corporation

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                                    PRESIDENT