ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY
                       OTHER INSURED TERM INSURANCE RIDER

This rider is a part of the policy to which it is attached if it is shown in the
specifications pages of the policy. The insured under the policy is the insured
under this rider. "Other insured" is each person other than the insured who is
insured under this rider.

                                     BENEFIT

BENEFIT - We will provide the term insurance on the life OF each "other insured"
for whom an "other insured" Specifications Page is issued. We will pay the term
insurance benefit upon receipt of due proof that an "other insured" died prior
to his or her term insurance expiry date while this rider is in force. Unless
otherwise requested, the term insurance benefit will be paid to you.

- -    An Other Insured Specifications Page shows for each "other insured":

- -    the name and age;

- -    the administrative charge, if any;

- -    the term insurance benefit;

- -    the effective date of the term insurance; and

- -    the term expiry date


                            BENEFIT CHANGE PROVISIONS


CHANGE PROVISIONS - You may change the amount of term insurance with respect to
each "other insured" if such request is made:

- -    during the lifetime of the "other insured"; and

- -    on written request while this policy is in force.

INCREASE - To increase the amount of term insurance, you and the "other insured"
must complete the application and provide us with the following:

- -    evidence of insurability;

- -    the "other insured" must be under age 81; and

- -    the "other insured" must be approved by us according to our underwriting
     rules;

- -    you must pay us a $50 transaction charge, plus the amount needed to keep
     the policy in force if the surrender value is less than this amount.

The increased amount of term insurance will become effective on the first
monthly processing date on, or following, the date all the conditions are met. A
supplemental Other Insured specifications page will be issued.
This page will include the following information:

- -    the name of the "other insured";

- -    the effective date of the increased term insurance;

- -    the amount of the increase in the term insurance, and

- -    minimum monthly payment guideline premiums and charges.

No increase may be less than our minimum limit in effect on the date of the
request.

DECREASE - You may decrease the amount of term insurance on an "other insured"
at any time. It will be effective on the monthly processing date after we
receive your written request. Such term insurance will be decreased or
eliminated in the following order:

- -    first, the most recent increase;

- -    second, the next most recent increases successively; and

- -    last, the original amount of term insurance.

A supplemental Other Insured Specifications Page issued will include the
following information:

- -    the name of the "other insured";

- -    the effective date of the decrease; and

- -    the amount of the decrease and the benefit remaining in force.

Term insurance on an "other insured" may not be reduced to less than our minimum
issue limit.

We reserve the right to establish a minimum limit for the amount of any
decrease.

FORM 1088-95                           1


                                   CONVERSION

CONVERSION - You may convert the insurance on the life of an "other insured" if
such request is made:

- -    prior to the "other insured's" age 71;

- -    while the "other insured" is alive; and

- -    while this rider is in force.

Evidence of insurability will not be required.

NEW POLICY DESCRIPTION - The new policy will be a flexible premium variable life
insurance policy. The new policy will be issued:

- -    on the life of the "other insured" only;

- -    for the same underwriting class which applies to the "other insured" under
     this rider; and

- -    at the "other insured's" age and for the insurance protection rates in use
     on the date of issue of the new policy.

The date of issue of the new policy will be the monthly processing date
following the date conversion is requested and the first premium is paid. Term
insurance for the "other insured" ends when coverage under the new policy
begins.

The net death benefit may not be less than our minimum issue limit. The net
death benefit may not exceed the term insurance benefit in effect on the date
conversion is requested.

Riders will be available on the new policy subject to evidence of insurability
and our consent. The time periods of the suicide and incontestability provisions
of the new policy will expire on the same date as such provisions in this rider
would have expired. The new policy will be subject to any assignments
outstanding against this rider.


                                     GENERAL


OWNER - You are the owner of this rider. However, if you are the insured and at
the time of your death there is no contingent owner named, each "other insured"
will become the owner of the term insurance on his or her life.

CONVERSION FOLLOWING LNSURED'S DEATH - If the insured dies while the policy and
rider are in force, the owner may convert any "other insured" insurance within
90 days after the insured's death.

Conversion is subject to the conversion provisions. Term insurance will continue
on the life of each covered "other insured" during the conversion period. This
term insurance will begin on the date of the insured's death and will end on the
first to occur of:

- -    the expiration of the conversion period; or

- -    the date of issue of the conversion policy.

OUR RIGHT TO CONTEST THE RIDER IS LIMITED: We cannot contest the initial term
insurance benefit if this rider has been in force for two years from the date it
is issued, and the "other insured" is alive at the end of this two-year period.

If the term insurance benefit is increased or the underwriting class is changed
at your request, we cannot contest the increase or change after it has been in
force for two years from its effective date and the "other insured" is alive.

SUICIDE EXCLUSION: If an "other insured", while sane or insane, commits suicide
within two years of the date this rider is issued, we will not pay a death
benefit. The beneficiary will receive only the total amount of payments made to
us for this rider. If the term insurance benefit is increased at your request,
and then an "other insured" commits suicide within two years, while sane or
insane, we will not pay the increased amount. Instead the beneficiary will
receive the administrative charge and charges paid for this increase, plus any
net death benefit otherwise payable.

MISSTATEMENT OF AGE - If the age of an "other insured" is not correctly stated,
we will adjust the amount we will pay under this rider the amount will be the
term insurance benefit that would have been purchased by the last monthly charge
for this rider using the correct age.

CHARGES - Charges for this rider are paid as a part of the monthly insurance
protection charge due under the policy.

The maximum charges for each "other insured" are shown in each "Other lnsured's"


FORM 1088-95                           2



Specifications Page or pages. There may be no more than five "other insured's"
under this rider.





TERMINATION - This rider will terminate on the first to occur of:

- -    the end of the grace period of a premium in default; or

- -    the termination or maturity of the policy; or

- -    the monthly processing date following a request for termination.

Term insurance for each "other insured" will terminate on that "other insured's"
term expiry date.

GENERAL - The specifications pages (page 3 or 3.1 of the policy) will show the
date of issue of this rider.

Except as otherwise provided, all conditions and provisions of the policy apply
to this rider.






                    Signed for the Company at Dover, Delaware





/s/ ILLEGIBLE                                         /s/


   Secretary                                                 President

FORM 1088-95                           3