Exhibit 4(f)
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JOHN HANCOCK Variable Life Insurance Company
APPEARS HERE]
RIDER
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ACCIDENTAL DEATH BENEFIT RIDER
ADDITIONAL BENEFIT IN EVENT OF ANNUITANT'S ACCIDENTAL
DEATH AS DEFINED AND LIMITED
(Applicable prior to Annuitant's 80th Birthday)
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We agree, subject to the terms and conditions of this Rider and the certificate,
to pay an Accidental Death Benefit ("ADB") to the Beneficiary. Such ADB will be
payable on receipt at our Servicing Office of due proof of the accidental death
of the Annuitant. Such proof must directly show all of the following:
(1) Death resulted solely from an accidental bodily injury;
(2) Death occurred within 90 days of that injury;
(3) The accidental injury occurred while this Rider was in force;
(4) Both the injury and death occurred (i) prior to the Annuitant's 80th
birthday, (ii) prior to the Date of Maturity of the certificate, (iii) prior
to the surrender date of the certificate, if surrendered.
The ADB payable is that sum which equals the Accumulated Value on the date of
the accident which results in the Annuitant's death.
The total ADB payable for all annuity certificates issued by John Hancock Mutual
and Variable Life Insurance Companies on the life of the Annuitant will be
limited to a maximum of $200,000.
We will pay the ADB in one sum unless otherwise provided by written notice under
the Settlement Provisions of the certificate.
This Rider is made a part of the certificate to which it is attached and shall
not have an Date of Issue later than the Date of Issue of the certificate.
Consideration for this Rider is: (a) the application, a copy of which is
attached to and made a part of the certificate; and (b) payment of the
applicable Rider charge.
ACCIDENTAL DEATH DEFINED
The phrase "accidental death" means death resulting directly and solely from:
a. An accidental injury; or
b. A disease or infection: (i) resulting directly from an accidental injury as
described; and (ii) beginning within 30 days after the date of the injury; or
c. An accidental drowning.
EXCEPTIONS AND EXCLUSIONS
We will pay no benefit on this Rider if the Annuitant's death results, directly
or indirectly, or wholly or partially, from:
(1) An infection or bodily or mental infirmity or disease that existed before or
began after the accidental injury. But this exception will not apply if the
disease or infection is as defined above in the phrase "accidental death;"
(2) Intentionally self-inflicted injury while sane; or self-inflicted injury
while insane;
(3) Commission by the Annuitant of an assault or a felony;
(4) Travel, flight or descent in or from any kind of aircraft: (a) which is
being operated for a training purpose; or (b) which the Annuitant is on to
perform specific functions whether they apply to the operation of the
aircraft or not;
(5) War, declared or undeclared;
(6) Service in an armed force of an international organization, or a country or
group of countries at war, declared or undeclared;
ADBC-96
(7) The voluntary use of any controlled substance as defined in Title II of the
Comprehensive Drug Abuse Prevention and Control Act of 1970, as now or
hereafter amended; unless the use is prescribed by a physician for the
Annuitant;
(8) Intoxication, which shall mean ten hundredths of one per cent or more by
weight of alcohol in the Annuitant's blood; unless there is a different
statutory definition in the jurisdiction in which the accidental bodily
injury occurred, in which case that definition of intoxication will apply.
TERMINATION
This Rider will terminate on the earliest of:
a. Surrender of the certificate;
b. Maturity of the certificate;
c. The Annuitant's 80th birthday;
d. Receipt of written notice at our Servicing Office that you elect to terminate
this Rider
e. Exchange of the certificate.
Signed for the Company at Boston, Massachusetts.
ADBC-96
[LOGO OF
JOHN HANCOCK Variable Life Insurance Company
APPEARS HERE]
RIDER
- --------------------------------------------------------------------------------
ACCIDENTAL DEATH BENEFIT RIDER
ADDITIONAL BENEFIT IN EVENT OF ANNUITANT'S ACCIDENTAL
DEATH AS DEFINED AND LIMITED
(Applicable prior to Annuitant's 80th Birthday)
- --------------------------------------------------------------------------------
We agree, subject to the terms and conditions of the Rider and the certificate,
to pay an Accidental Death Benefit ("ADB") to the Beneficiary. Such ADB will be
payable on receipt at our Servicing Office of due proof of the accidental death
of the Annuitant. Such proof must directly show all of the following:
(1) Death resulted solely from an accidental bodily injury;
(2) Death occurred within 90 days of that injury;
(3) The accidental injury occurred while the Rider was in force;
(4) Both the injury and death occurred (i) prior to the Annuitant's 80th
birthday, (ii) prior to the Date of Maturity of the certificate, (iii) prior
to the surrender date of the certificate, if surrendered.
The ADB payable is that sum which equals the Accumulated Value on the date of
the accident which results in the Annuitant's death.
The total ADB payable for all annuity certificates issued by John Hancock Mutual
and Variable Life Insurance Companies on the life of the Annuitant will be
limited to a maximum of $200,000.
We will pay the ADB in one sum unless otherwise provided by written notice under
the Settlement Provisions of the certificate.
The Rider is made a part of the certificate to which it is attached and shall
not have an issue date later than the issue date of the certificate.
Consideration for the Rider is: (a) the application, a copy of which is attached
to and made a part of the certificate; and (b) payment of the applicable rider
charge.
ACCIDENTAL DEATH DEFINED
The phrase "accidental death" means death resulting directly and solely from:
a. An accidental injury; or
b. A disease or infection: (i) resulting directly from an accidental injury as
described; and (ii) beginning within 30 days after the date of the injury; or
c. An accidental drowning.
EXCEPTIONS AND EXCLUSIONS
We will pay no benefit on the Rider if the Annuitant's death results, directly
or indirectly, or wholly or partially, from:
(1) An infection or bodily or mental infirmity or disease that existed before or
began after the accidental injury. But this exception will not apply if the
disease or infection is as defined above in the phrase "accidental death;"
(2) Intentionally self-inflicted injury while sane; or self-inflicted injury
while insane;
(3) Commission by the Annuitant of an assault or a felony;
(4) Travel, flight or descent in or from any kind of aircraft: (a) which is
being operated for a training purpose; or (b) which the Annuitant is on to
perform specific functions whether they apply to the operation of the
aircraft or not;
(5) War, declared or undeclared;
(6) Service in an armed force of an international organization, or a country or
group of countries at war, declared or undeclared;
ADBG-96
(7) The voluntary use of any controlled substance as defined in Title II of the
Comprehensive Drug Abuse Prevention and Control Act of 1970, as now or
hereafter amended; unless the use is prescribed by a physician for the
Annuitant;
(8) Intoxication, which shall mean ten hundredths of one per cent or more by
weight of alcohol in the Annuitant's blood; unless there is a different
statutory definition in the jurisdiction in which the accidental bodily
injury occurred, in which case that definition of intoxication will apply.
TERMINATION
The Rider will terminate on the earliest of:
a. Surrender of the certificate;
b. Maturity of the certificate;
c. The Annuitant's 80th birthday;
d. Receipt of written notice at our Servicing Office that the Particpant elects
to terminate the Rider;
e. Exchange of the certificate.
Signed for the Company at Boston, Massachusetts.
ADBG-96