DRAFT

                             CHILDREN'S TERM RIDER

BENEFIT - We will pay a benefit when we receive proof that a child's death
occurred while this rider was in effect.  The benefit provided is term insurance
to the child's 25th birthday.  The Benefit Amount is $1,000 for each rider unit.

CHILD - "Child" means any natural child, adopted child or step-child of the
Insured who is:

 . At least 14 days old but not more than 25 years old; and
 . Named in the application for this rider, or born to the Insured or adopted by
  the Insured or who has become a stepchild of the Insured thereafter.

PAID-UP INSURANCE BENEFIT - The term insurance on each child will become paid-up
upon the insured's death.  We will issue a separate policy for the paid-up
insurance with the child as owner.

INSURANCE CHARGES - The monthly Insurance Charge for this rider is shown on the
Policy Specifications pages.

EFFECTIVE DATE - This rider is effective on the policy date unless otherwise
stated hereon.  This rider will terminate:

 . On your Written Request; or
 . On lapse or termination of this policy; or
 . When the Insured becomes age 65.

CONVERSION - You may convert the term insurance under this rider to a new policy
on the child's life. The conversion date for insurance on each child is the
earlier of:

 . the child's 25th birthday; or
 . the date the Insured becomes age 65.

You or the child must apply in writing on a form we provide within 31 days of
the conversion date. The conversion date will be the new policy's date.  The new
policy will become effective on its date only if the child is then living.

The amount of insurance on the new policy will be five times the child's Benefit
Amount.  If you wish, you may select a lower amount but not less than our
regular minimum limit at the time of conversion.

The new policy will be on the whole life or any higher premium plan we regularly
issue at the time of conversion.  It will be issued at our published rates for
the standard class and for the child's age on the new policy's date.

INCONTESTABILITY - This rider will be incontestable after two years from its
issue date during the


Insured's lifetime.  Any paid-up term insurance issued under this rider will be
incontestable from its issue date.

SUICIDE - If the Insured dies by suicide, while sane or insane, within two years
from the issue date of this rider, no paid-up benefit will be issued.

REINSTATEMENT - The reinstatement provision of this policy applies to this rider
except that we will require satisfactory evidence of insurability for each
child upon reinstatement.

GENERAL CONDITIONS - This rider is part of the policy to which it is attached.
All terms of the policy which do not conflict with this rider's terms apply to
this rider.

Signed for Pacific Life & Annuity Company,


/s/  WILLIAM FERRIS                        /s/ AUDREY L. MILFS
President and Chief Executive Officer      Secretary

R84-CT                                                                        NY