LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK

TERM INSURANCE RIDER

This extra benefit Rider is attached to and made a part of the policy. It
provides non-participating term insurance on the lives of the Insured Employees
named in the Policy Specifications.

If this Rider is added after the Date of Issue of the policy, the effective date
of the Rider is the date of coverage change shown on the supplemental Policy
Specifications, which will be sent to the Owner. This Rider may be added after
the Date of Issue of the policy only with Lincoln Life's consent.

DEFINITIONS

BASIC POLICY SPECIFIED AMOUNT
The Basic Policy Specified Amount is shown in the Policy Specifications or in
the Supplemental Policy Specifications if later changed.

MINIMUM TARGET FACE AMOUNT
The Target Face Amount cannot be decreased below this amount. The Minimum Target
Face Amount is shown in the Policy Specifications or in the Supplemental Policy
Specifications if later changed. Upon the effective date of this Rider, all
references in the Policy to Minimum Specified Amount are replaced by references
to Minimum Target Face Amount.

TARGET FACE AMOUNT
The Target Face Amount is shown in the Policy Specifications or in the
Supplemental Policy Specifications if later changed. Upon the effective date of
this Rider, all references in the Policy to Specified Amount are replaced by
references to Target Face Amount.

BENEFIT AMOUNT

The Benefit Amount of this Rider is the Target Benefit Amount less the Basic
Policy Benefit Amount. The Target Benefit Amount is the greater of the Target
Face Amount, increased by any additional death benefit attributable to the Death
Benefit Option and the Minimum Required Death Benefit as described in the
policy. The Target Face Amount may not be less than the Minimum Target Face
Amount.

The Benefit Amount of the Rider is included in the total Death Benefit paid as
described in the Death Benefit Options provision of the policy. Subject to the
terms of the policy, Lincoln Life will pay the Benefit Amount for this Rider
upon receipt at the Administrator Mailing Address of due proof of death of the
Insured Employee. The death of the Insured Employee must occur while this Rider
is in force.

RENEWAL

While the policy is in force, Lincoln Life will automatically renew this Rider
annually until the Maturity Date of the Insured Employee or the Insured
Employee's date of death as provided in the Coverage Beyond Maturity provision.

Lincoln Life will renew this Rider without evidence of insurability for another
one year term on the first day of the Insured Employee Initial Coverage Duration
Anniversary.

OTHER PROVISIONS

AGE
If the Insured Employee's age is misstated, the Benefit Amount will be adjusted
to reflect the death benefit that would have been purchased by the most recent
Monthly Rider Cost at the correct age.

MONTHLY RIDER COST
The Monthly Rider Cost will be the Benefit Amount for this Rider multiplied by
the Monthly Rider Rate divided by 1,000. The policy's Monthly Deduction will be
increased by the Monthly Rider Cost.

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MONTHLY RIDER RATE
The Monthly Rider Rate is based on the Insured Employee's issue age, number of
Insured Employee Initial Coverage Durations elapsed and premium class of the
Insured Employee.

Lincoln Life may adjust the Monthly Rider Rate from time to time. Adjustments
will be on a class basis and will be based on Our estimates for future cost
factors, such as mortality, investment income, expenses, and length of time
Riders stay in force. Any adjustments will be made on a nondiscriminatory basis.
The rate during any Rider year may never exceed the rate shown for that year in
the Table of Guaranteed Maximum Insurance Rates as shown in the Policy
Specifications. Those rates are based on the 1980 Commissioner's Standard
Ordinary Aggregate Mortality Table A.

SUICIDE AND INCONTESTABILITY

SUICIDE
If an Insured Employee dies by suicide within 2 years from the Date of Issue of
his/her Initial Coverage under this Rider, Lincoln Life will refund all Rider
premiums paid with respect to the Insured Employee. This Rider's Benefit Amount
will not be paid.

If an Insured Employee dies by suicide more than 2 years from the Date of Issue
of his/her Initial Coverage under this Rider but within 2 years from the Date of
Issue of any increase in coverage under this Rider, Lincoln Life will pay the
portion of the Benefit Amount allocated to an Insured Employee for any coverage
in effect more than 2 years from the Date of his/her Initial Coverage under this
Rider plus the portion of the Monthly Rider Cost allocated to the Insured
Employee for the increase in coverage.

All amounts will be calculated as of the date of death.

INCONTESTABILITY
With respect to statements made in the initial application for the Insured
Employee:

     Lincoln Life will not contest this Rider with respect to an Insured
     Employee after it has been in force during the lifetime of the Insured
     Employee for 2 years from its Date of Issue of Initial Coverage except for
     nonpayment of premium sufficient to pay Monthly Rider Costs.

With respect to statements made in any Subsequent Applications:

     Lincoln Life will not contest coverage with respect to an Insured Employee
     relating to Subsequent Applications after coverage has been in force during
     the lifetime of an Insured Employee for 2 years from the Date of Issue of
     such coverage except for nonpayment of premium sufficient to pay Monthly
     Rider Costs.

TERMINATION OF COVERAGE

All coverage under this Rider will automatically terminate upon Surrender of the
Policy.

Insurance will terminate as to any employee insured under this Rider on the
earliest of the following to occur:

1.   The Maturity Date of the Insured Employee; or

2.   the date on which the policy's Target Face Amount is decreased below the
     minimum Target Face Amount required to allow attachment of this Rider; or

3.   the date Lincoln Life receives a request, In Writing, from the Insured
     Employee to terminate his/her coverage under this Rider.

This Rider is attached to and made a part of the policy. It is signed for
Lincoln Life on its Date of Issue.

Issued by Lincoln Life & Annuity Company of New York.

                                      Lincoln Life & Annuity Company of New York

                                            /s/ Lorry J. Stensrud

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