WAIVER OF CHARGES RIDER

BENEFIT -- Subject to this rider's terms, we will waive any monthly Cost of
Insurance Charges, any monthly Administrative Charges and any monthly cost of
any rider benefits for this policy which fall due while the Insured is totally
disabled.

We will not waive any charges, which fall due more than one year before we
receive proof of total disability.  We will not waive any charges, which fall
due before the Insured's age 5.  If total disability begins during the grace
period for an unpaid premium, that premium must be paid in order to establish a
valid claim under this rider.

TOTAL DISABILITY -- Total disability means a condition which:
 .  results from bodily injury accidentally sustained or disease which first
   manifests itself while this rider is in effect;
 .  occurs before the Insured's age 60;
 .  lasts continuously for at least 3 months; and, either
 .  stops the Insured from performing the substantial and material duties of the
   job; or
 .  includes the Insured's total and irrecoverable loss of sight of both eyes or
   use of two hands, two feet or one hand and one foot.

During the first 24 months of disability, "the job" means the Insured's
occupation for pay or profit at the time total disability began.  After that,
"the job" means any job for which the Insured is or becomes reasonably fitted by
education, training or experience.  If the Insured is a student when disability
begins, "the job" means attending school.

If the Insured becomes totally disabled, any monthly charges that were deducted
during the three-month waiting period will be credited back to the policy.

NOTICE OF DISABILITY CLAIM -- We must receive notice of the Insured's total
disability, at our home office, on forms we provide while the Insured is alive
and disabled. If it is not reasonably possible for you to give us notice within
the time limits, you must give us notice within one year from the time total
disability ends.

PROOF OF DISABILITY -- Before we pay a benefit, we must receive proof of total
disability.  From time to time after the Insured is disabled, we may require
proof of continuing disability.  This proof may include a medical exam by a
physician we select and pay.  After two years of disability, we will not require
such proof more than once a year.  We will not require proof after the Insured's
age 70.

WAR SERVICE NOT COVERED -- Disability occurring in a period during which the
Insured is in the armed forces of any country at war (declared or not) is not
covered under this rider.  No insurance charges for this rider will be made for
such a period.  If any such charges are made, we will reverse them.

INSURANCE CHARGES -- The monthly Insurance Charge for this rider is the result
of multiplying the applicable monthly Waiver of Charges Rate as shown in the
Policy Specifications pages by the sum of the Net Amount at Risk as calculated
under the policy plus the Benefit Amount for any Annual Renewable and
Convertible Term Rider present.

EFFECTIVE DATE -- This rider is effective on the Policy Date unless otherwise
stated.  This rider will terminate (without affecting any claim for disability
occurring before such termination) on the earliest of:

 .  your Written Request; or
 .  lapse or termination of the policy; or
 .  when the Insured becomes age 60.

INCONTESTABILITY -- This rider will be incontestable after 2 years from it's
issue date, excluding any period the insured is disabled.

GENERAL CONDITIONS -- This rider is part of the policy to which it is attached.
All terms of the policy that 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

R98-WC                                                                       NY