POLICY INFORMATION (CONTINUED) - POLICY 12 345 678

SUPPLEMENTARY BENEFIT

BENEFIT FLEXIBLE TERM INSURANCE OPTION

LIFE INSURED JOHN M. DOE

AGE AT EFFECTIVE DATE 35

EFFECTIVE DATE JAN 1, 1998

BENEFICIARY AS DESIGNATED IN THE APPLICATION OR
SUBSEQUENTLY CHANGED

INITIAL AMOUNT $10,000

DEATH BENEFIT SCHEDULE SEE NEXT PAGE

RISK CLASSIFICATION NON-SMOKER

ADDITIONAL RATING NOT APPLICABLE

PAGE 3.5

POLICY INFORMATION (CONTINUED) - POLICY 12 345 678

DEATH BENEFIT SCHEDULE

POLICY SCHEDULED ANNUAL POLICY SCHEDULED ANNUAL
YEAR DEATH BENEFIT YEAR DEATH BENEFIT

1 $ 60,000 34 $100,000
2 $ 70,000 35 $100,000
3 $ 80,000 36 $100,000
4 $ 90,000 37 $100,000
5 $100,000 38 $100,000
6 $100,000 39 $100,000
7 $100,000 40 $100,000
8 $100,000 41 $100,000
9 $100,000 42 $100,000
10 $100,000 43 $100,000
11 $100,000 42 $100,000
12 $100,000 45 $100,000
13 $100,000 46 $100,000
14 $100,000 47 $100,000
15 $100,000 48 $100,000
16 $100,000 49 $100,000
17 $100,000 50 $100,000
18 $100,000 51 $100,000
19 $100,000 52 $100,000
20 $100,000 53 $100,000
21 $100,000 54 $100,000
22 $100,000 55 $100,000
23 $100,000 56 $100,000
24 $100,000 57 $100,000
25 $100,000 58 $100,000
26 $100,000 59 $100,000
27 $100,000 60 $100,000
28 $100,000 61 $100,000
29 $100,000 62 $100,000
30 $100,000 63 $100,000
31 $100,000 64 $100,000
32 $100,000 65 $100,000
33 $100,000

PAGE 3.6

TABLE OF GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES
PER $1,000 OF NET AMOUNT AT RISK

MALE

LIFE LIFE LIFE
INSURED'S INSURED'S INSURED'S
ATTAINED MONTHLY ATTAINED MONTHLY ATTAINED MONTHLY
AGE RATE AGE RATE AGE RATE
$ $ $

20 0.1583 47 0.4433 74 4.8491
21 0.1591 48 0.4783 75 5.3491
22 0.1575 49 0.5175 76 5.8775
23 0.1550 50 0.5591 77 6.4266
24 0.1516 51 0.6083 78 6.9916
25 0.1475 52 0.6633 79 7.5875
26 0.1441 53 0.7258 80 8.2366
27 0.1425 54 0.7966 81 8.9566
28 0.1416 55 0.8725 82 9.7708
29 0.1425 56 0.9550 83 10.6883
30 0.1441 57 1.0408 84 11.6875
31 0.1483 58 1.1325 85 12.7458
32 0.1525 59 1.2308 86 13.8408
33 0.1591 60 1.3400 87 14.9625
34 0.1666 61 1.4616 88 16.1058
35 0.1758 62 1.5991 89 17.2741
36 0.1866 63 1.7550 90 18.4808
37 0.2000 64 1.9283 91 19.7483
38 0.2150 65 2.1183 92 21.1208
39 0.2325 66 2.3208 93 22.6758
40 0.2516 67 2.5366 94 24.6583
41 0.2741 68 2.7658 95 27.4966
42 0.2966 69 3.0141 96 32.0458
43 0.3225 70 3.2925 97 40.0166
44 0.3491 71 3.6083 98 54.8316
45 0.3791 72 3.9708 99 83.3333
46 0.4100 73 4.3866

The above rates will be adjusted for any Additional Rating shown in the Policy
Information section.

Page 4

TABLE OF GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES
PER $1,000 OF NET AMOUNT AT RISK

FEMALE

LIFE LIFE LIFE
INSURED'S INSURED'S INSURED'S
ATTAINED MONTHLY ATTAINED MONTHLY ATTAINED MONTHLY
AGE RATE AGE RATE AGE RATE
$ $ $

20 0.0875 47 0.3375 74 2.8275
21 0.0891 48 0.3608 75 3.1866
22 0.0908 49 0.3858 76 3.5808
23 0.0925 50 0.4133 77 4.0033
24 0.0950 51 0.4425 78 4.4541
25 0.0966 52 0.4750 79 4.9458
26 0.0991 53 0.5125 80 5.4991
27 0.1016 54 0.5508 81 6.1333
28 0.1050 55 0.5908 82 6.8666
29 0.1083 56 0.6308 83 7.7108
30 0.1125 57 0.6691 84 8.6508
31 0.1166 58 0.7058 85 9.6750
32 0.1208 59 0.7450 86 10.7741
33 0.1250 60 0.7891 87 11.9433
34 0.1316 61 0.8441 88 13.1816
35 0.1375 62 0.9133 89 14.4950
36 0.1466 63 1.0016 90 15.8958
37 0.1575 64 1.1041 91 17.4058
38 0.1700 65 1.2158 92 19.0675
39 0.1850 66 1.3333 93 20.9591
40 0.2016 67 1.4525 94 23.2758
41 0.2200 68 1.5700 95 26.4433
42 0.2391 69 1.6966 96 31.3116
43 0.2575 70 1.8425 97 39.5808
44 0.2766 71 2.0191 98 54.6541
45 0.2966 72 2.2391 99 83.3333
46 0.3166 73 2.5091

The above rates will be adjusted for any Additional Rating shown in the Policy
Information section.

Page 4

TABLE OF GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES
PER $1,000 OF NET AMOUNT AT RISK

UNISEX

LIFE LIFE LIFE
INSURED'S INSURED'S INSURED'S
ATTAINED MONTHLY ATTAINED MONTHLY ATTAINED MONTHLY
AGE RATE AGE RATE AGE RATE
$ $ $

20 0.1450 47 0.4225 74 4.3641
21 0.1458 48 0.4541 75 4.8200
22 0.1441 49 0.4908 76 5.3041
23 0.1425 50 0.5300 77 5.8083
24 0.1408 51 0.5750 78 6.3291
25 0.1375 52 0.6250 79 6.8808
26 0.1358 53 0.6825 80 7.4858
27 0.1341 54 0.7466 81 8.1616
28 0.1341 55 0.8150 82 8.9316
29 0.1358 56 0.8891 83 9.8041
30 0.1375 57 0.9650 84 10.7583
31 0.1416 58 1.0450 85 11.7816
32 0.1458 59 1.1308 86 12.8475
33 0.1525 60 1.2266 87 13.9575
34 0.1591 61 1.3333 88 15.1033
35 0.1683 62 1.4558 89 16.2950
36 0.1783 63 1.5966 90 17.5441
37 0.1916 64 1.7541 91 18.8758
38 0.2058 65 1.9258 92 20.3441
39 0.2233 66 2.1075 93 22.0033
40 0.2416 67 2.3008 94 24.1133
41 0.2633 68 2.5025 95 27.0741
42 0.2850 69 2.7216 96 31.7475
43 0.3100 70 2.9658 97 39.8075
44 0.3341 71 3.2458 98 54.7816
45 0.3625 72 3.5700 99 83.3333
46 0.3916 73 3.9441

The above rates will be adjusted for any Additional Rating shown in the Policy
Information section.

Page 4

DEFINITIONS

THE FOLLOWING TERMS HAVE SPECIFIC MEANINGS IN YOUR POLICY. PLEASE REFER TO THESE
DEFINITIONS AS YOU READ YOUR POLICY.

ADDITIONAL RATING is an adjustment to the Cost of Insurance that is applied when
a life insured does not meet, at a minimum, our underwriting requirements for
the standard Risk Classification.

ATTAINED AGE is the Issue Age plus the number of completed Policy Years the
policy has been in force since the Policy Date.

BUSINESS DAY is any day that the New York Stock Exchange is open business. The
net asset value of the underlying shares of a Sub-Account will be determined at
the end of each Business Day. We will deem each Business Day to end at the close
of regularly scheduled trading of the New York Stock Exchange (currently 4:00
p.m. Eastern Time) on that day.

CASH SURRENDER VALUE equals the Policy Value less the Surrender Charge and less
any outstanding Monthly Deductions due.

EFFECTIVE DATE is the date we become obligated under this policy and when we
take the first Monthly Deductions. It is the later of the date our underwriters
approve issuance of this policy, or the date we receive at least the initial
premium at our Service Office.

GUARANTEED INTEREST ACCOUNT is that part of the Policy Value which reflects the
value you have in our general account.

INVESTMENT ACCOUNT is that part of the Policy Value which reflects the value you
have in one of our Sub-Accounts.

ISSUE AGE is the life insured's age on the birthday closer to the Policy Date.

LOAN ACCOUNT is that part of the Policy Value that reflects the value you have
transferred from the Guaranteed Interest Account or the Investment Accounts as
collateral for a policy loan.

NET CASH SURRENDER VALUE equals the Cash Surrender Value less the Policy Debt.

NET POLICY VALUE equals the Policy Value less the value in the Loan Account.

NET PREMIUM is the gross premium less any Premium Load. It is the amount of
premium allocated to the Guaranteed Interest Account and/or Investment Accounts.

POLICY DATE is the date from which charges for the first Monthly Deductions are
calculated. The Policy Date is shown in the Policy Information section of this
policy.

POLICY DEBT as of any date equals (a) plus (b) plus (c), minus (d), where:

(a) is the total amount of loans borrowed as of such date;

(b) is the total amount of any unpaid loan interest charges borrowed against the
policy on a Policy Anniversary;

(d) is the total amount of loan repayments as of such date.

POLICY VALUE equals the sum of the values in the Loan Account. The Guaranteed
Interest Account, and the Investment Accounts.

POLICY YEARS, POLICY MONTHS AND POLICY ANNIVERSARIES are determined from the
Policy Date.

SEPARATE ACCOUNT refers to Separate Account Four of The Manufacturers Life
Insurance Company of America.

(continued)

Page 5

DEFINITIONS (continued)

SERVICE OFFICE is the office that we designate to service this policy.

SUB-ACCOUNT refers to one of the sub-accounts of the Separate Account.

SURRENDER CHARGE PERIOD is the period following issuance of the policy or
following any increase in Face Amount during which we will assess surrender
charges. Surrender charges will apply during this period if you surrender or
lapse the policy, decrease the Face Amount or make a partial withdrawal.

WRITTEN REQUEST must be in a form satisfactory to us, signed and dated by you,
and filed at our Service Office.

PAYMENT OF PREMIUMS

Premiums are payable during the life insured's lifetime. The Planned Premium and
the Premium Mode you requested in the application are shown in the Policy
Information section. The initial premium is due as of the Policy Date.

You can pay subsequent premiums in any amount and at any frequency. On request,
we will give you a receipt signed by one of our officers.

We have the right to refuse or refund any premium payments that may cause this
policy to fail to qualify as life insurance under applicable tax law. Any such
Premium Limitations are shown in the Policy Information section.

INSURANCE BENEFIT

If the life insured dies while the policy is in force, we will pay the Insurance
Benefit to the beneficiary on receiving any due proof of death, subject to the
Age and Sex, Suicide, and the Validity provisions.

If the life insured dies after we receive a Written Request from you to
surrender the policy, there will be no Insurance Benefit. We will pay the amount
payable under the Surrender for Cash provision instead.

If the life insured dies during the grace period, the Insurance Benefit payable
will be the same as defined below with the following modifications:

(a) we will reduce the Insurance Benefit by any outstanding Monthly Deductions
due; and

(b) in calculating the Death Benefit, we will use the Policy Value as of the
default date.

INSURANCE BENEFIT. The Insurance Benefit payable is:

(a) the Death Benefit as described below; plus

(b) any amounts payable under any Supplementary Benefit that are part of the
policy; less

DEATH BENEFIT. The Death Benefit will depend upon whether Option 1 or Option 2
is in effect as of the date of death.

Under Option 1, the Death Benefit will be equal to the Face Amount as of the
date of death.

Under Option 2, the Death Benefit will equal the sum of (a) and (b), where:

(a) is the Face Amount as of the date of death; and

(b) is the Policy Value as of the date of death.

MINIMUM DEATH BENEFIT. To ensure that the policy continues to qualify as life
insurance under the Internal Revenue Code, the Death Benefit will never be less
than the Minimum Death Benefit. The Minimum Death Benefit is equal to the Policy
Value on the date of death multiplied by the Minimum Death Benefit Factor for
the Attained Age of the life insured. The Minimum Death Benefit Factors are
shown in the Table of Minimum Death Benefit Factors in the Policy Information
section.

(continued)

Page 6

INSURANCE BENEFIT (continued)

INTEREST. We will pay the Insurance Benefit in one lump sum with interest
calculated from the date of the life insured's death to the date of payment. The
rate will be at least the minimum required by the law of the state in which this
policy was delivered. If the state does not specify the interest rate, we will
use the rate for insurance benefits left on deposit with us.

POLICY VALUE

NET PREMIUMS ADDED. As of the Business Day we receive your premium payments at
our Service Office, we add your Net Premium to your Policy Value. We will do
this before we take any deductions due on that Business Day.

For premiums received prior to the Effective Date, your Net Premiums plus any
interest credited will be added to your Policy Value as of the Business Day
coincident with or next following the Effective Date. Any premium received prior
to the Effective Date of the policy will be credited with interest from the date
of receipt. Interest will be credited at the rate of return then being earned on
allocations to the Money Market Trust.

MONTHLY DEDUCTIONS. A deduction is due from your policy as of the beginning of
each Policy Month to cover monthly administration charges and the cost to
provide the insurance coverage. We will take the deductions as of the date they
are due. However, if at issue your Policy Date is set to an earlier date for
purposes of determining Issue Age, any Monthly Deductions due from the Policy
Date up to the Effective Date will be taken as of the Effective Date.

Unless otherwise agreed to by us, we will take Monthly Deductions from the
Guaranteed Interest Account and the Investment Accounts in the same proportion
that the Policy Value in each of these accounts bears to the Net Policy Value
immediately prior to the deduction.

Monthly Deductions are due until the life insured reaches Attained Age 100.

The Monthly Deduction for any Policy Month is the sum of the following amounts
determined as of the beginning of that month.

(a) The Monthly Administrative Charge shown in the Table of Expense Charges in
the Policy Information section.

(b) The monthly cost of any Supplementary Benefits that are a part of this
policy, as determined in accordance with such Supplementary Benefits.

COST OF INSURANCE. The Cost of Insurance for a specific Policy Month is the rate
for the Cost of Insurance for that month, as described below, multiplied by the
net amount at risk. The net amount at risk is equal to the greater of zero, or
the result of (a) minus (b) where:

(a) is the Death Benefit as of the first day of the month, divided by the Death
Benefit Discount Factor shown in the Policy Information section; and

(b) is the Policy Value as of the first day of the month.

The rates for the Cost of Insurance, as of the Policy Date and subsequently for
each increase in Face Amount, are based on the life insured's Issue Age, Sex and
Risk Classification, and the duration that the coverage has been in force. We
will determine Cost of Insurance Rates from time to time, on a basis which does
not discriminate unfairly within any class of lives insured.

The Cost of Insurance calculation will reflect any Additional Rating shown in
the Policy Information section. The Cost of Insurance Rates will never be more
than those shown in the Table of Maximum Cost of Insurance Rates on page 4 plus
any Additional Rating.

(continued)

Page 7

POLICY VALUE (continued)

SURRENDER CHARGE. We deduct a Surrender Charge from your Policy Value if during
the Surrender Charge Period:

(a) you surrender the policy for its Net Cash Surrender Value;

(b) you make a partial withdrawal of the Net Cash Surrender Value above the Free
Withdrawal Amount;

(d) this policy goes into default and terminates at the end of a Grace Period.

See the Surrender for Cash provision for details.

POLICY VALUE COMPOSITION

Your Policy Value at any time is equal to the sum of the values you have in the
Loan Account, the Guaranteed Interest Account, and the Investment Accounts.

LOAN ACCOUNT VALUE. The amount you have in the Loan Account at any time equals:

(a) amounts transferred to it for loans or borrowed loan interest; plus

(b) interest credited to it; less

For details of the Loan Account see the Policy Loan Conditions provision.

GUARANTEED INTEREST ACCOUNT VALUE. The amount you have in the Guaranteed
Interest Account at any time equals:

(a) Net Premiums allocated to it; plus

(b) amounts transferred to it; plus

(d) amounts deducted from it; less

(e) amounts transferred from it; less

(f) amounts withdrawn from it.

Interest will be credited to amounts in the Guaranteed Interest Account, at an
effective annual rate of no less than the Guaranteed Interest Account Minimum
Annual Rate shown in the Policy Information section. The actual rates will be
set by us from time to time. For all transactions, interest is calculated from
the date of the transaction.

INVESTMENT ACCOUNTS VALUE. The amount you have in an Investment Account at any
time equals the number of units in that Investment Account multiplied by the
unit value of the corresponding Sub-Account at that time.

The number of units in an Investment Account at any time equals (a) minus (b),
where:

(a) is the number of units credited to the Investment Account because of:

(1) Net Premiums allocated to it; and

(2) amounts transferred to it; and

(b) is the number of units canceled from the Investment Account because of:

(1) amounts deducted from it;

(2) amounts transferred from it; and

(3) amounts withdrawn from it.

The number of units credited or canceled for a given transaction is equal to the
dollar amount of the transaction, divided by the unit value on the Business Day
of the transaction. See the Unit Value Calculation section of the Separate
Account and Sub-Accounts provision for details on how unit values are
determined.

SEPARATE ACCOUNT AND SUB-ACCOUNTS

The Separate Account is authorized to invest in the shares of Manufacturers
Investment Trust or another management investment company. Each Sub-Account of
the Separate Account purchases shares of a corresponding Fund of Manufacturers
Investment Trust or another management investment company. The Funds are listed
in the Policy Information section.

(continued)

Page 8

SEPARATE ACCOUNT AND SUB-ACCOUNTS (continued)

FUND SUBSTITUTION. A Fund might, in our judgment, become unsuitable for
investment by a Sub-Account. This might happen because of a change of investment
policy; or a change in the applicable laws or regulations; or because the shares
are no longer available for investment; or for some other reason.

If a Fund becomes unsuitable for investment, we have the right to substitute
another Fund or another management investment company. Before doing this, we
would first seek, where required, approval from the Securities and Exchange
Commission and the Insurance Commissioner of the state in which this policy is
delivered.

To the extent permitted by applicable federal and state law, we also have the
right, without your approval, to:

(a) create new separate accounts;

(b) combine any two or more separate accounts including the Separate Account;

(c) make available additional Sub-Accounts investing in additional Funds of
Manufacturers Investment Trust or another management investment company;

(d) eliminate existing Sub-Accounts and stop accepting new allocations and
transfers into the corresponding Fund;

(e) operate the Separate Account as a management investment company under the
Investment Company Act of 1940 or in any other form permitted by law;

(f) de-register the Separate Account under the Investment Company Act of 1940;

(g) transfer assets between the Separate Account and other separate accounts;
and

(h) transfer assets in one Sub-Account to another Sub-Account.

The investment objectives of a Sub-Account within the Separate Account will not
be changed materially without first filing the change with the Insurance
Commissioner of our state of domicile. We will inform you of any changes deemed
to be material.

UNIT VALUE CALCULATION. We will determine the unit values for each Sub-Account
as of the end of each Business Day. When we need to determine a Policy Value or
an amount after the end of a Business Day, or on a day that is not a Business
Day, we will do so as of the next Business Day.

The unit value for each Sub-Account was established at $10 for the first
Business Day that an amount was allocated, or transferred to the particular
Sub-Account. For any subsequent Business Day, the unit value for that
Sub-Account is obtained by multiplying the unit value for the immediately
preceding Business Day by the net investment factor for the particular
Sub-Account on such subsequent Business Day.

NET INVESTMENT FACTOR. The net investment factor for a Sub-Account on any
Business Day is equal to (a) divided by (b) minus (c), where:

(a) is the net asset value of the underlying Fund shares held by that
Sub-Account as of the end of such Business Day before any policy
transactions are made on that day;

(b) is the net asset value of the underlying Fund shares held by that
Sub-Account as of the end of the immediately preceding Business Day after
all policy transactions were made for that day; and

(c) is a charge not exceeding the daily Mortality and Expense Risk Charge shown
in the Table of Expense Charges in the Policy Information section.

We reserve the right to adjust the above formula for any taxes determined by us
to be attributable to the operations of the Sub-Account.

SEPARATE ACCOUNT ASSETS. The assets held in each Sub-Account are used to support
the Policy Values of Single and Flexible Premium Variable Life Insurance
policies. The Separate Account will be used to fund only variable life insurance
benefits.

Income, gains and losses of the Separate Account are credited to, or charged
against, the applicable Sub-Accounts without regard to our other income, gains
and losses.

(continued)

Page 9

SEPARATE ACCOUNT AND SUB-ACCOUNTS (continued)

The assets of the Separate Account are our property. The part of the assets that
is equal to the Investment Account values in respect of all Single and Flexible
Premium Variable Life Insurance policies will not be charged with liabilities
from any other business we conduct. We can transfer any Separate Account assets
in excess of those Investment Account values to our general account.

INVESTMENT OPTIONS

ALLOCATIONS. Net Premiums may be allocated to the Guaranteed Interest Account or
any of the Investment Accounts. You specified the initial premium allocation in
your application for this policy, a copy of which is attached to this policy.
Unless these allocation percentages are changed, they will continue to apply to
subsequent premium payments. Allocation percentages must be greater than or
equal to zero and less than or equal to 100, and the sum of the allocation
percentages must equal 100. You may change the allocation percentages by Written
Request to our Service Office. The change will take effect on the date we
receive it at our Service Office.

Premiums received prior to the Initial Allocation Date, shown in the Policy
Information section, will initially be invested in the Money Market Trust, on
the later of the Effective Date or the Business Day they are received by us. On
the Initial Allocation Date, the amount in the Money Market Trust will be
transferred to the Guaranteed Interest Account and the Investment Accounts
according to your initial premium allocation.

TRANSFERS. After the Initial Allocation Date, by Written Request, you may
transfer portions of your Policy Value among the Investment Accounts and the
Guaranteed Interest Account. Transfers will incur a Transfer Charge, which is
shown in the Policy Information section. Transfers involving the Guaranteed
Interest Account are subject to the following restrictions:

(a) the maximum amount that can be transferred out of the Guaranteed Interest
Account in any one Policy Year is limited to the Maximum Guaranteed Interest
Account Transfer Amount shown in the Policy Information section;

(b) any transfer which involves a transfer out of the Guaranteed Interest
Account may not involve a transfer to the Investment Account for the Money
Market Trust;

(d) if a transfer would result in more than a 5% reduction in the number of
shares outstanding at the close of the previous Business Day in the Equity
Index Sub-Account, we can decline the transfer. If at a later date you wish
to make a previously declined transfer, we will require a new transfer
request.

POLICY LOAN CONDITIONS

At any time while this policy is in force and has a loan value, you can get a
loan by Written Request. We will require a loan agreement from you as the policy
is the only security for the loan.

AVAILABLE LOAN VALUE. The available loan value on any date is the Net Cash
Surrender Value, less the monthly deductions due to the next Policy Anniversary.

LOAN ACCOUNT. When you take out a loan, or when loan interest charges are
borrowed, we will do a transfer from the Guaranteed Interest Account and/or one
or more of the Investment Accounts into the Loan Account.

You may tell us how much of the amount to be transferred to the Loan Account you
wish to allocate to your value in the Guaranteed Interest Account and each of
the Investment Accounts. If you do not tell us, we will allocate the amounts to
be transferred in the same proportion that your value in the Guaranteed Interest
Account and the Investment Accounts bears to the Net Policy Value.

(continued)

Page 10

POLICY LOAN CONDITIONS (continued)

When an amount to be transferred is allocated to an Investment Account, we will
redeem units of that Investment Account sufficient in value to cover the
allocated amount. These transfers do not count as a transfer for the purposes of
the Transfers section of the Investments Options provision.

LOAN INTEREST CHARGED. Interest will accrue daily on loans. In the event that
you do not pay the Loan Interest Charged in any Policy Year, it will be borrowed
against the policy and added to the Policy Debt in arrears as of the Policy
Anniversary. We will allocate the amount borrowed for interest payment in the
same proportion that your value in the Guaranteed Interest Account and the
Investment Accounts bears to the Net Policy Value as of the Policy Anniversary.

The rate of interest charged is fixed at the effective annual Loan Interest
Charged Rate shown in the Policy Information section.

LOAN INTEREST CREDITED. Interest will accrue daily to amounts in the Loan
Account at an effective annual rate of no less than the Guaranteed Loan Interest
Credited Minimum Annual Rate shown in the Policy Information section.

The difference between the rate at which interest is credited to the Loan
Account and the rate at which it is being charged to the Policy Debt is called
the Loan Spread. The Loan Spread is shown in the Policy Information section.

LOAN REPAYMENT. You may repay the Policy Debt in whole or in part at any time
prior to the death of the life insured, and while the policy is in force.

When you repay a loan, we will transfer an amount equal to the amount paid from
the Loan Account to the Guaranteed Interest Account and/or the Investment
Accounts. The amount transferred will be allocated to the Guaranteed Interest
Account and the Investment Accounts in the same proportion that the Policy Value
in each of these accounts bears to the Net Policy Value.

While a loan exists, we will treat the amounts you pay as premiums unless you
request in writing that they be treated as loan repayments.

CHANGING THE DEATH BENEFIT OPTION OR FACE AMOUNT

You may change your Death Benefit Option or your Face Amount by Written Request.

CHANGE FROM DEATH BENEFIT OPTION 1 TO OPTION 2. The Face Amount after the change
from Option 1 to Option 2 will be (a) minus (b), where:

(a) is the Face Amount immediately before the change, and

(b) is the Policy Value as of the effective date of the change.

A Surrender Charge will not be deducted from the Policy Value due to the
decrease in Face Amount.

CHANGE FROM DEATH BENEFIT OPTION 2 TO OPTION 1. The Face Amount after the change
from Option 2 to Option 1 will be (a) plus (b), where:

(a) is the Face Amount immediately before the change, and

(b) is the Policy Value as of the effective date of the change.

We will not increase the Surrender Charge because of the increase in the Face
Amount of insurance resulting from this change.

DECREASE IN FACE AMOUNT. A decrease in Face Amount will reduce the Face Amount
in the following order:

(a) the Face Amount provided by the most recent increase first; followed by

(b) the next most recent increase until all increases are reduced; then

(continued)

Page 11

CHANGING THE DEATH BENEFIT OPTION OR FACE AMOUNT (continued)

If you decrease the initial Face Amount or an increase in Face Amount during the
Surrender Charge Period, we will deduct a Surrender Charge from the Policy
Value. See the Decreases in Face Amount Section of the Surrender For Cash
provision for details.

INCREASE IN FACE AMOUNT. For an increase in the Face Amount of insurance, you
must provide us with evidence of insurability on the life insured that is
satisfactory to us.

We reserve the right to refuse increases if the life insured's Attained Age at
the effective date of the increase is greater than the maximum issue age for new
policies at that time.

If, at the time of the increase, there have been prior decreases in Face Amount
such that the current Face Amount is less than the previous highest Face Amount,
then these prior decreases will be increased first. The insurance coverage
eliminated by the decrease of the oldest Face Amount will be deemed to be
restored first. There will be no new Surrender Charges associated with increases
of this type.

After all prior decreases have been increased, a new Face Amount coverage will
be added. There will be a new Target Premium amount as well as a new Surrender
Charge. We will inform you of these amounts at the time of the increase in Face
Amount. There is no additional premium necessarily required with an increase in
Face Amount, however the new Surrender Charge may require an additional premium
payment to avoid the policy going into default.

A portion of premiums paid concurrent with and subsequent to the increase will
be deemed attributable to such increase for Surrender Charge purposes. In any
Policy Year, the premiums attributable to the increase in Face Amount will be
the amount of premiums in excess of the sum of (a) and (b) where:

(a) is the Target Premium for the initial Face Amount, if the increase occurs
during the first five Policy Years; and

(b) is the Target Premium for all prior increases that are in effect at the time
of the increase and have been in effect for less than five years.

EFFECTIVE DATE OF CHANGES. Changes may be made only on the first day of a Policy
Month. A Written Request for a change in Death Benefit Option or decrease in the
Face Amount must be received at least 30 days prior to the first day of a Policy
Month for the change to take effect as of that Policy Month. Increases in the
Face Amount will take effect at the beginning of the Policy Month following the
date we approve the request.

EFFECT ON PREMIUM LIMITATIONS. A change in Death Benefit Option or Face Amount
may cause a change in the maximum amount of premium that is allowed to be paid
into the policy. We will inform you of any such change.

We reserve the right to refuse or limit any request for a change if the change
would cause the policy to fail to qualify as life insurance for tax purposes.

SURRENDER FOR CASH

You may surrender this policy for its Net Cash Surrender Value at any time prior
to the death of the life insured. We will determine the Net Cash Surrender Value
as of the end of the Business Day on which we receive the policy and your
Written Request for surrender at our Service Office. We will pay you the Net
Cash Surrender Value. After the date of surrender, no insurance will be in
force.

SURRENDER CHARGE. If you surrender this policy for its Net Cash Surrender Value,
or if it terminates at the end of a Grace Period during the period that
Surrender Charges apply, we will deduct a Surrender Charge from the Policy
Value. The amount of the Surrender Charge is shown in the Policy Information
section.

(continued)

Page 12

SURRENDER FOR CASH (continued)

DECREASES IN FACE AMOUNT. If the Face Amount is reduced, we will deduct from the
Policy Value a pro-rata Surrender Charge. Such deduction will be allocated to
the Guaranteed Interest Account and the Investment Account in the same
proportion as the Policy Value in each of these accounts bears to the Net Policy
Value. The pro-rata Surrender Charge will equal the sum of the pro-rata
Surrender Charges for the initial Face Amount and any previous increase in Face
Amount. The pro-rata Surrender Charge for the initial Face Amount or any
increase in Face Amount will equal (a) divided by (b), multiplied by (c), where:

(a) is the amount of the decrease in the initial Face Amount or previous
increase in Face Amount,

(b) is the amount of the corresponding initial Face

(d) is the Surrender Charge for the corresponding initial Face Amount or
previous increase in Face Amount, immediately prior to the decrease.

When a pro-rate Surrender Charge is taken, the remaining Surrender Charge will
be reduced by the amount of the charges taken. We will send you a new table
which reflects this change.

Decreases in Face Amount caused by:

(a) a change from Death Benefit Option 1 to Option 2, or

(b) a partial Net Cash Surrender Value withdrawal when Death Benefit Option 1 is
in effect,

are exempt from this provision and will not incur the pro-rata Surrender Charge
described above.

PARTIAL NET CASH SURRENDER VALUE WITHDRAWAL. While there is a Net Cash Surrender
Value for this policy, you may request a partial Net Cash Surrender Value
withdrawal. The partial Net Cash Surrender Value withdrawal will be done as of
the end of the Business Day on which we receive your Written Request.

You may specify the accounts from which we should make the Partial Net Cash
Surrender Value withdrawal. If we do not receive such instructions, we will make
the withdrawal in the same proportion that the value in the Guaranteed Interest
Account and the Investment Accounts bears to the Net Policy Value.

FREE WITHDRAWAL AMOUNT. The Free Withdrawal Amount at any date is equal to (a)
multiplied by (b), minus (c) where:

(a) is the Free Withdrawal Percentage shown in the Policy Information section;

(b) is the Net Cash Surrender Value on the date of the partial Net Cash
Surrender Value withdrawal; and

PRO-RATA SURRENDER CHARGE. If a partial Net Cash Surrender Value withdrawal is
above the Free Withdrawal Amount, we will deduct from the Policy Value a
pro-rata Surrender Charge. We will not deduct any Surrender Charge from the
Policy Value if the sum of partial Net Cash Surrender Value withdrawals in any
Policy Year is below the Free Withdrawal Amount.

The pro-rata Surrender Charge is equal to the sum of the pro-rata Surrender
Charges for the initial Face Amount and any previous increase in Face Amount.
The pro-rata Surrender Charge for the initial Face Amount or any increase in
Face Amount will equal (a) divided by (b), multiplied by (c), where:

(a) is the amount of partial Net Cash Surrender Value withdrawal above the Free
Withdrawal Amount,

(b) is the Net Cash Surrender Value prior to the withdrawal, and

(c) is the Surrender Charge for the corresponding initial Face Amount or
previous increase in Face Amount immediately prior to the withdrawal.

(continued)

Page 13

SURRENDER FOR CASH (continued)

When a pro-rata Surrender Charge is taken, the remaining Surrender Charge will
be reduced by the amount of the charges taken. We will send you a new table
which reflects this change.

If Death Benefit Option 1 is in effect at the time of the withdrawal, then the
Face Amount will be reduced by:

(a) the amount of the withdrawal plus the pro-rata Surrender Charge, if at the
time of the withdrawal the Death Benefit equals the Face Amount; otherwise

(b) the amount, if any, by which the withdrawal plus the pro-rata Surrender
Charge exceeds the difference between the Death Benefit and the Face Amount.

If there has been a prior increase in Face Amount, then the Face Amount will be
decreased in the same order as if the decrease was requested. See the Decrease
in Face Amount section of the Changing the Death Benefit Option or Face Amount
provision.

RIGHT TO POSTPONE PAYMENT OF BENEFITS

Except when used to pay premiums, we reserve the right to postpone the payment
of Net Cash Surrender Values, partial Net Cash Surrender Value withdrawals,
policy loans and the portion of Insurance Benefit that depends on Investment
Account values, for any period during which:

(a) the New York Stock Exchange (Exchange) is closed for trading (other than
customary week-end and holiday closings), or trading on the Exchange is
otherwise restricted;

(b) an emergency exists as defined by the Securities and Exchange Commission
(SEC), or the SEC requires that trading be restricted; or

We also reserve the right to postpone payments for up to six months if such
payments are based on values that do not depend on the investment performance of
the Sub-Accounts.

In addition, we may deny transfers under the circumstances stated in (a), (b)
and (c) above, and in the Transfers section of the Investment Options provision.

TERMINATION

DEFAULT. This policy will go into default if at the beginning of any Policy
Month, the Net Cash Surrender Value would go below zero after we take Monthly
Deductions that are due.

GRACE PERIOD. We will allow 61 days from the date that the policy goes into
default, for you to pay the amount that is required to bring the policy out of
default. At least 30 days prior to the termination of coverage, we will send a
notice to your last known address, specifying the amount you must pay to bring
the policy out of default. The amount is equal to (a) plus (b) plus (c) where:

(a) is the amount necessary to bring the Net Cash Surrender Value to zero if it
is less than zero at the date of default; and

(b) is the Monthly Deductions due, plus the next two Monthly Deductions; and

TERMINATION DATE. This policy terminates on the earliest of the following dates:

(a) at the end of the grace period for which you have not paid any amount that
is due;

(b) on the date you surrender the policy for its Net Cash Surrender Value; or

If you surrender the policy for its Net Cash Surrender Value, as in (b) above,
we will pay you the Net Cash Surrender Value as of the date of termination.

Page 14

REINSTATEMENT

You can reinstate this policy only if it terminated at the end of a grace period
in which you did not make a required payment. You can reinstate the policy if
you:

(a) make a Written Request for reinstatement within five years after your policy
terminates;

(b) provide us with written evidence of the life insured's insurability that is
satisfactory to us; and

(c) pay a premium equal to the amount that was required during the 61-day grace
period following default; plus the amount required to carry your policy to
the next scheduled date for payment of the Planned Premium.

If we approve your request, the reinstatement date will be the later of the date
of your request or the date we receive the required payment at our Service
Office.

RIGHT TO CANCEL INCREASES

If you request an increase in Face Amount which results in a new Surrender
Charge, you have the same rights to cancel the increase as described under the
Right to Return Policy. If canceled, the Policy Value and the Surrender Charge
will be recalculated to the amounts they would have been, had the increase not
taken place.

AGE AND SEX

If the life insured's age or sex was misstated in the application, we will
change the Face Amount. The new Face Amount will be determined so that the Death
Benefit will be that which the most recent Cost of Insurance deduction would
have purchased for the correct age and sex.

SUICIDE

If the life insured dies by suicide, whether sane or insane, within two years
after the Issue Date, we will pay only the premiums paid, less any partial Net
Cash Surrender Value withdrawals, less the amount of the Policy Debt. If the
life insured dies by suicide, whether sane or insane, within two years after the
date an increase in Face Amount takes effect, the Death Benefit for that
increase will be limited to the Monthly Deductions for the increase.

We reserve the right under this provision to obtain evidence of the manner and
cause of death.

BENEFICIARY

The following four sections will apply unless there is a beneficiary appointment
in force which provides otherwise.

BENEFICIARY CLASSIFICATION. You can appoint beneficiaries for any Insurance
Benefit in three classes: primary, secondary, and final. Beneficiaries in the
same class will share equally in any Insurance Benefit payable to them.

PAYMENT TO BENEFICIARIES. We will pay the Insurance Benefit:

(a) to any primary beneficiaries who are alive when the life insured dies; or

(b) if no primary beneficiary is then alive, to any secondary beneficiaries who
are then alive; or

CHANGE OF BENEFICIARY. Until the life insured's death you can change the
beneficiary by Written Request, unless you make an irrevocable designation. We
are not responsible if the change does not achieve your purpose.

(continued)

Page 15

BENEFICIARY (continued)

DEATH OF BENEFICIARY. If no beneficiary is alive when the life insured dies, the
Insurance Benefit will belong to you; or to your estate if you are the life
insured. If a beneficiary dies before the seventh day after the death of the
life insured, we will pay the Insurance Benefit as if the beneficiary had died
before the life insured.

OWNERSHIP AND ASSIGNMENT

Until the life insured's death, without the consent of any beneficiary, except
an irrevocable beneficiary, you as owner can:

(a) receive any amount payable under your policy;

(b) exercise all rights and privileges granted by your policy; and

An assignment does not bind us until we receive it at our Service Office. We are
not responsible for its validity or its effects. It should be filed with us in
duplicate. We will return a copy.

TRUSTEE OWNER. Should the owner be a trustee, payment to the trustee(s) of any
amount to which the trustee(s) is (are) entitled under the policy, either by
death or otherwise, will fully discharge us from all liability under the policy
to the extent of the amount so paid.

SUCCESSOR OWNER. Upon the owner's death during the lifetime of the life insured,
a named successor owner will, if then living, have all the owner's rights and
interest in the policy. During the life insured's lifetime the owner, without
the consent of any beneficiary or any successor owner, can cancel or change the
designation of successor owner from time to time by agreement in writing with
us.

PROTECTION AGAINST CREDITORS

If permitted by state law, all payments shall be exempt from the payee's debts
and contracts of the owners and beneficiaries, and from seizure by court order.

CURRENCY AND PLACE OF PAYMENT

All payments to or by us will be in U.S. currency. We will make payments from
our Service Office. We may require proof that the person claiming any payment is
entitled to it.

CONTRACT

The policy and application form your whole contract. A copy of the application
is attached to the policy and deemed a part of it. We will not be bound by any
statement that is not in the application or the policy.

Only our President or one of our Vice-Presidents can agree to amend or modify
the policy or waive any of its provisions. Any change must be in writing.

Statements made by you or the life insured are representations, not warranties,
unless fraud is involved. We will not use any statement by you or the life
insured to deny a claim, unless it is written in the application.

VALIDITY

We have the right to contest the validity of this policy based on material
misstatements made in the initial application or an application for policy
change that requires evidence of insurability. However, we cannot contest the
validity of your policy after it has been in force during the lifetime of the
life insured for two years from the Issue Date.

We cannot contest the validity of an increase in Face Amount or an addition of a
Supplementary Benefit after such increase or addition has been in force during
the lifetime of the life insured for two years from the date of such increase or
addition.

We can contest after two years if the policy has been reinstated and has been in
force during the lifetime of the life insured for less than two years from the
reinstatement date. If this is the case, we can only contest the validity in
respect of any fact material to the reinstatement that was misrepresented.

Page 16

NON-PARTICIPATING

Your policy is non-participating. It does not earn dividends.

HOW VALUES ARE COMPUTED

We provide Cash Surrender Values that are at least equal to those required by
law. A detailed statement of the method of computing the values of this policy
has been filed with the insurance department of the state in which this policy
is delivered.

We base minimum Cash Surrender Values and reserves on the Commissioners 1980
Standard Ordinary Mortality Table. We also use these tables as the basis for
determining maximum Cost of Insurance Rates. Values relating to amounts in the
Guaranteed Interest Account are computed at an interest rate of 4.00% per year.

ANNUAL STATEMENT

Within 30 days after each Policy Anniversary, we will send you a report showing:

(a) the Death Benefit;

(b) the Policy Value;

(c) the current allocation of money in the Guaranteed Interest Account, the Loan
Account and each of the Investment Accounts;

(d) the value of the units in each chosen Investment Account;

(e) any Policy Debt balance and loan interest charged since the last report;

(f) the premiums paid and policy transactions for the year; and

(g) any further information required by law.

TAX CONSIDERATIONS

It is the intent of this policy to be considered as life insurance for tax
purposes. The Death Benefit is designed to comply with Section 7702 of the
Internal Revenue Code of 1986 or any other equivalent section of the Code.

We do not give tax advice and this provision should not be construed to mean
that the Death Benefit and Policy Value will be exempt from the future actions
of any tax authority.

Page 17

ENDORSEMENT

UNISEX

In order to provide insurance on a unisex basis, all references in this policy
to the sex of the life insured are hereby withdrawn. This policy is further
amended as described below.

AFFECTED PROVISION AMENDMENT

Age and Sex Reference to the life insured's sex does not
apply. No change will be made because of a
misstatement of sex.

How Values are Computed The Commissioners 1980 Standard Ordinary
Mortality Table B is used.

THE MANUFACTURERS LIFE INSURANCE COMPANY OF AMERICA

/s/ [Signature]
--------------------------
President

- --------------------------------------------------------------------------------

THE MANUFACTURERS LIFE INSURANCE COMPANY OF AMERICA
A STOCK COMPANY

Service Office: 200 Bloor Street East, Toronto, Canada, M4W 1E5

- --------------------------------------------------------------------------------

FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY. CASH SURRENDER VALUES AND BENEFITS FOR A PORTION OF THE
ADJUSTABLE DEATH BENEFIT. POLICY VALUES ALLOCATED TO AN INVESTMENT ACCOUNT REFLECT
FLEXIBLE PREMIUMS PAYABLE TO ATTAINED AGE 100 DURING THE LIFE THE INVESTMENT EXPERIENCE OF THE UNDERLYING SUB-ACCOUNTS.
INSURED'S LIFETIME. INVESTMENT OPTIONS ARE DESCRIBED IN THE "POLICY VALUE
COMPOSITION" AND THE "INVESTMENT OPTIONS" PROVISIONS.
NON-PARTICIPATING (NOT ELIGIBLE FOR DIVIDENDS).

- --------------------------------------------------------------------------------

IMPORTANT NOTICE

To claim a benefit or request a change in your policy,
contact our nearest representative. Or write to our
Service Office at the address above.

Please tell us promptly of any change in your address.

WE STRONGLY URGE THAT, BEFORE YOU TAKE ANY ACTION TO REPLACE
THIS OR ANY OTHER POLICY, YOU ASK THE ADVICE OF THE COMPANY
THAT ISSUED THE POLICY.

- --------------------------------------------------------------------------------

[MANULIFE FINANCIAL LOGO]

- --------------------------------------------------------------------------------
Manulife Financial and the block design are registered service marks of The
Manufactures Life Insurance Company and are used by it and its subsidiaries.

SUPPLEMENTARY BENEFIT

FLEXIBLE TERM INSURANCE OPTION

TERM LIFE INSURANCE

This benefit is a part of your policy. The effective date is the same as the
Effective Date of your policy. The amount of the Insurance Benefit may vary as
described below. The insurance provided will be flexible term insurance to
Attained Age 100.

DEFINITIONS

DEATH BENEFIT SCHEDULE is the schedule of death benefits shown in the Policy
Information section of your policy.

SCHEDULED ANNUAL DEATH BENEFIT is the amount shown in the Death Benefit Schedule
for a given Policy Year.

TERM INSURANCE BENEFIT is the amount payable under this Supplementary Benefit.

INSURANCE BENEFIT

If the life insured dies while the policy is in force, we will pay the Term
Insurance Benefit on receiving due proof of death, subject to the Age and Sex,
Suicide, and the Validity provisions. If the life insured dies after we receive
your request for surrender of the policy, there will be no Term Insurance
Benefit. The life insured for this benefit is the same as the life insured for
the policy to which this benefit is attached.

TERM INSURANCE BENEFIT. The Term Insurance Benefit is determined on the first
day of each Policy Month. It is equal to (a) minus (b), but not less than zero,
where:

(a) is the Scheduled Annual Death Benefit for the Policy Year; and

(b) is the then current Face Amount, or, if the Death Benefit of the Policy is
determined by the Policy's Minimum Death Benefit Provision, the Minimum
Death Benefit.

It is possible that the Term Insurance Benefit could be zero for a Policy Month.
However, this will not terminate the rider.

BENEFIT COST

The monthly cost of the benefit is one of the Monthly Deductions under the
policy. The monthly cost is equal to (a) multiplied by (b) where:

(a) is the monthly Cost of Insurance rate; and

(b) is the Term Insurance Benefit divided by the Death Benefit Discount Factor
shown in the Policy Information section of your policy.

The rates for the Cost of Insurance are based on the life insured's Issue Age,
Sex and Risk Classification, and the duration that the benefit has been in
force. We will determine monthly Cost of Insurance rates from time to time, on a
basis which does not discriminate unfairly within any class of insureds. The
monthly cost of the benefit will reflect any Additional Rating shown for this
benefit in the Policy Information section of your policy. The monthly Cost of
Insurance rates will never be more than those shown in the Table of Maximum Cost
of Insurance Rates on page 4 of your policy, plus any Additional Rating shown in
the Policy Information section.

CHANGING THE DEATH BENEFIT SCHEDULE

You may change your Death Benefit Schedule by Written Request, subject to the
following:

(a) satisfactory evidence of insurability is required before the Death Benefit
Schedule may be increased;

(b) changes may be made only on the first day of a Policy Month;

(c) a Written Request for a change which results in only a decrease to the Death
Benefit Schedule must be received at least 30 days prior to the first day of
a Policy Month for the change to take affect as of that Policy Month;

(d) a change which results in an increase to the Death Benefit Schedule in any
Policy Year will take effect at the beginning of the Policy Month following
the date we approve the request;

(e) a decrease to the Death Benefit Schedule which results in a Scheduled Annual
Death Benefit less than the Face Amount in any Policy Year will cause a
decrease in the Face Amount. The Face Amount will be reduced to be equal to
the Scheduled Annual Death Benefit for such Policy Year. Surrender Charges
may be assessed as described in your Policy.

(continued)

Page 1

FLEXIBLE TERM INSURANCE OPTION

TERM LIFE INSURANCE

A change to the Death Benefit Schedule may cause a change in the maximum amount
of premium that can be paid into the policy. We will inform you of any such
change.

We reserve the right to refuse or limit any request for a change if the change
would cause the policy to fail to qualify as life insurance for tax purposes.

POLICY CHANGES

CHANGE FROM DEATH BENEFIT OPTION 2 TO OPTION 1. If the Face Amount of the Policy
after a change in Death Benefit Option would be greater than the Scheduled
Annual Death Benefit in effect at the time of the change, the Face Amount after
the change will be set equal to the Scheduled Annual Death Benefit.

INCREASE OR DECREASE IN FACE AMOUNT. If the Face Amount of the policy is
increased or decreased, a corresponding increase or decrease of the same amount
will also be made to the Scheduled Annual Death Benefit for all Policy Years
after and including the effective date of the change. This provision does not
apply to increases or decreases in Face Amount due to a change in Death Benefit
Option.

FACE AMOUNT GREATER THAN SCHEDULED ANNUAL DEATH BENEFIT. If in any Policy Year,
the Face Amount is greater than the Scheduled Annual Death Benefit for that
Policy Year, the Face Amount will be reduced to be equal to the Scheduled Annual
Death Benefit. Surrender Charges may be assessed as described in your Policy.

BENEFICIARY

The beneficiary will be as designated in the application for this benefit,
unless changed as provided for in the policy.

AGE AND SEX

If the life insured's age or sex (if applicable) was misstated in the
application, we will change the Death Benefit Schedule. The new Death Benefit
Schedule will be determined so that the Death Benefit will be that which the
most recent Cost of Insurance deduction would have purchased for the correct age
and sex (if applicable).

SUICIDE

The suicide period for this benefit will be the same as for the policy to which
it is attached, and it will start on the effective date of the benefit, or the
effective date of an increase in amount as appropriate. If the life insured dies
by suicide, whether sane or insane, during the suicide period, the Term
Insurance Benefit will be limited to the monthly cost for the benefit, or the
monthly cost for an increase to the Death Benefit Schedule as appropriate.

VALIDITY

The validity period for this benefit will be the same as for the policy to which
it is attached, and it will start on the effective date of the benefit, or the
effective date of an increase to the Death Benefit Schedule as appropriate.

GENERAL PROVISION

This benefit is part of the policy to which it is attached. Except where the
benefit provides otherwise, it is subject to all provisions of the policy.

TERMINATION

The benefit terminates on the termination date of the policy. By Written
Request, you can terminate the benefit at the end of the Policy Month in which
we receive your request.

THE MANUFACTURERS LIFE INSURANCE COMPANY OF AMERICA

/s/ [Signature]
----------------------------
President

Page 2