THE LIFE INSURANCE COMPANY OF VIRGINIA
                           ACCELERATED BENEFIT RIDER

This rider adds an accelerated benefit to the Policy, subject to the conditions
described below. Upon your election and subject to the provisions of this rider,
we will pay you an accelerated benefit if the Insured is terminally ill. Payment
will be made in a lump sum.

Terminal Illness
Terminal illness is a medical condition, resulting from bodily injury, or
disease, or both:

        o  which has been diagnosed by a licensed physician; and

        o  for which the diagnosis is supported by clinical, radiological,
           laboratory or other evidence of the medical condition which is
           satisfactory to us; and

        o  which a licensed physician certifies is expected to result in death
           within 12 months of such certification.

Before payment of any accelerated benefit, we will require satisfactory proof
that the Insured has a terminal illness. Satisfactory proof will include a
properly completed claim form and a written statement from a licensed physician.
The licensed physician must be someone other than you or the Insured. We reserve
the right to obtain a second medical opinion at our expense.

Total Proceeds
Total Proceeds means the Life Insurance Proceeds of the Policy plus any
additional term insurance on the Insured added to the Policy by rider. (Not
including Children's Insurance Rider.)

Total Proceeds:
        o  will not have an adjustment for any Policy Debt; but

        o  will have adjustments for the misstatement of age or sex which would
           be made to Life Insurance Proceeds at the death of the Insured, as
           described in the Policy; and

        o  will exclude any Accidental Death Benefit; and

        o  will exclude any coverage from the Policy or from any additional term
           insurance rider on the Insured that would expire within 24 months of
           the date we receive proof of terminal illness.

Eligible Proceeds
Eligible Proceeds is the Total Proceeds subject to a maximum of $250,000 for the
total of all of our policies or certificates covering the Insured.

Living Benefit
The Living Benefit is the amount of the accelerated benefit that we will pay to
you under this rider.



The Living Benefit is equal to the Eligible Proceeds:
        o  discounted for the life expectancy of the Insured at the rate of
           interest charged for policy loans; and

        o  minus the amount of the single premium required to keep the Policy in
           effect for the life expectancy of the Insured assuming current cost
           of insurance rates, current expense charges, and the interest rate
           stated above; and

        o  minus the Policy Debt on the date of the accelerated benefit payment
           multiplied by the ratio of the Eligible Proceeds to the Total
           Proceeds.

Effect of Living Benefit on the Policy
If the Eligible Proceeds are equal to the amount which would otherwise be
payable upon the death of the Insured, then upon payment of any benefit under
this rider:

        o  any insurance under the Policy on the life of someone other than the
           Insured will be treated as though the Insured had died; and

        o  all insurance under the Policy on the life of the Insured, including
           any riders, will end.

If the Eligible Proceeds are less than the amount which would otherwise be
payable upon the death of the Insured, then upon payment of any benefit under
this rider:

        o  the Policy will continue with the Specified Amount, Account Value and
           any Policy Debt reduced appropriately, by the ratio of the Eligible
           Proceeds to the Total Proceeds; and

        o  we will waive any surrender charge for the resulting decrease in
           Specified Amount; and

        o  we will waive any minimum Specified Amount requirement for the
           resulting decrease in Specified Amount; and

        o  any additional term insurance rider on the Insured will continue with
           the amount of insurance reduced by the ratio of the Eligible Proceeds
           to the Total Proceeds; and

        o  any other rider benefits will continue with no reduction.

Conditions
Payment of the Living Benefit is subject to the following conditions:

        o  The Policy and any additional term insurance rider on the Insured
           must be in force on the date we receive proof of terminal illness.

        o  The release of any collateral assignees and the approval of any
           irrevocable beneficiaries is required.

        o  The policy may not be in the grace period on the date we receive
           proof of the terminal illness.

        o  You are not eligible for the Living Benefit:

                        (a) if you are required by law to use the Living Benefit
                            to meet the claims of creditors, whether in
                            bankruptcy or otherwise; or

                        (b) if you are required by a government agency to use
                            the Living Benefit in order to apply for, obtain, or
                            otherwise keep a government benefit or entitlement.



Effective Date
This rider is effective on the Policy Date unless a different effective date is
shown on the policy data page.
There is no charge for this rider.
All provisions of the Policy apply to this rider unless otherwise specified.

For The Life Insurance Company of Virginia,



                                                              President