TERMINAL ILLNESS ACCELERATED
                                                                   BENEFIT RIDER

[JEFFERSON PILOT FINANCIAL LOGO]

JEFFERSON PILOT FINANCIAL INSURANCE COMPANY, One Granite Place, P.O. Box 515,
Concord, New Hampshire 03302

NOTICE. DEATH BENEFITS AND POLICY CASH VALUES, IF ANY, WILL BE REDUCED IF AN
ACCELERATED BENEFIT IS PAID. BENEFITS PAID UNDER THIS RIDER MAY OR MAY NOT BE
TAXABLE. CONSULT YOUR PERSONAL TAX ADVISOR TO ASSESS THE TAX CONSEQUENCES OF THE
BENEFIT.

This Rider is part of the Policy to which it is attached. It takes effect on the
date of issue or Policy Date of the Policy. In this Rider, "we", "us" or "our"
means Jefferson Pilot Financial Insurance Company; "you" and "your" means the
Owner of the Policy; and "Insured" means the person named on the data page of
the Policy.

CONSIDERATION - This Rider is issued in consideration of the application. There
is no charge for this Rider prior to the time you request Rider benefits.

CANCELLATION - We will not cancel this Rider, unless you request termination of
this Rider. It will remain in force as long as this Policy remains in force or
until benefits are paid under this Rider.

DEFINITIONS

ACCELERATED BENEFIT PAYMENT - The Accelerated Benefit Payment is the requested
portion of the Eligible Death Benefit less the adjustments and deductions as
explained in the Benefits section.

ADMINISTRATIVE EXPENSE CHARGE - The Administrative Expense Charge will be
deducted from the requested portion of the Eligible Death Benefit upon payment
of the Accelerated Benefit.

BENEFIT RATIO - The Benefit Ratio is the result of dividing (a) by (b) where:

     (a)  is the requested portion of the Eligible Death Benefit; and

     (b)  is the Death Benefit or current Face Amount of insurance under the
          policy to which this Rider is attached.

ELIGIBLE DEATH BENEFIT - The Eligible Death Benefit for the Insured is the Death
Benefit or current Face Amount of insurance on the life of the Insured provided
by this Policy.

IMMEDIATE FAMILY - Immediate Family means the spouse, child, brother, sister,
parent, or grandparent of the Insured or the Owner.

PHYSICIAN - Physician means an individual who is licensed to practice medicine
and treat illness or injury in the state in which treatment is received and who
is acting within the scope of that license. Physician does not include:

(1)  the Insured;
(2)  you;
(3)  a person who lives with the Insured or you; or
(4)  a person who is part of the Insured's or your Immediate Family.

PHYSICIAN STATEMENT - A Physician Statement means a written statement acceptable
to us, signed by a Physician which:

(1)  gives the Physician's diagnosis of the Insured's noncorrectable medical
     condition; and

(2)  states that, with reasonable medical certainty, the noncorrectable medical
     condition will result in the death of the Insured within 6 months or less
     from the date of the Physician Statement, assuming the exercise of ordinary
     and reasonable medical care, advice, and treatment available in the same or
     similar communities.

TERMINAL ILLNESS - Terminal Illness is a noncorrectable medical condition, which
will result in the death of the Insured within 6 months or less from the date of
the Physician Statement.

BENEFITS

If the Insured develops a Terminal Illness, you may request an acceleration of a
portion of the Eligible Death Benefit. The Eligible Death Benefit will be
determined as of the date the Notice of Claim is received at our Home Office.
The maximum amount of Eligible Death Benefit which you may request from this
Policy is fifty per cent (50%) of the Death Benefit or current Face Amount
exclusive of any and all riders. The maximum amount available on all policies
with this Rider attached in force with us is $250,000 per Insured.

THIS SPECIMEN POLICY REPRESENTS THE GENERIC LANGUAGE OF THE POLICY CONTRACT,
INCLUDING RIDERS. POLICY LANGUAGE, FEATURES, AND AVAILABILITY MAY VARY BY STATE.
PLEASE BE SURE TO CHECK PRODUCT AND RIDER AVAILABILITY IN THE STATE YOU ARE
SOLICITING. AGENTS SHOULD REFER TO THE PRODUCTS SECTION ON JPF NET.


                                       1


ADJUSTMENTS AND DEDUCTIONS - The requested portion of the Eligible Death Benefit
will be subject to the following adjustments and deduction:

(1)  An actuarial discount will be deducted from the requested portion of the
     Eligible Death Benefit. This discount reflects the early payment of amounts
     held under the Policy. It will be based on an annual interest rate which
     has been declared by us and the then current premium or cost of insurance
     rate, both of which are in effect as of the date your Notice of Claim is
     received at our Home Office. The maximum interest rate used shall be the
     greater of the yield on 90 day treasury bills or the maximum statutory
     adjustable policy loan interest rate in effect upon the date of request.

(2)  If, on the date we approve your request, there is a Policy loan outstanding
     on this Policy, a reduction to the requested portion of the Eligible Death
     Benefit will apply. This reduction serves to repay a portion of the Policy
     loan and is determined as follows: (Outstanding Policy Loan) x (Benefit
     Ratio).

(3)  A deduction will be made for any premiums due within the Policy's grace
     period and are unpaid at the time we approve your request.

(4)  A deduction will be made for the Administrative Expense Charge.

WAIVER OF PREMIUMS OR COST OF INSURANCE - If all of the following occur:

(1)  a Waiver of Premium Rider or a Waiver of Monthly Deduction Rider on the
     Insured is attached to this Policy;

(2)  that Rider is in force at the time of the claim for this Rider's benefits;
     and

(3)  Proof of Terminal Illness is submitted and approved;

then for purposes of any Waiver of Premium Rider or Waiver of Monthly Deduction
Rider that is in force, the Insured will be deemed to be Totally Disabled and
have satisfied the initial waiting period required by the applicable Rider.

CONDITIONS FOR THE ACCELERATED BENEFIT PAYMENT - The Accelerated Benefit Payment
is subject to the following conditions:

(1)  This Policy must be in force other than as Extended Term Insurance or
     Reduced Paid-up Insurance.

(2)  During the lifetime of the Insured, we must receive Proof of Terminal
     Illness that is acceptable to us.

(3)  No prior request for an Accelerated Benefit Payment may have been made
     under this or any other Terminal Illness Accelerated Benefit Rider issued
     by us with respect to the Insured. If more than one request is received at
     the same time, we will determine which request is deemed to have been
     received first and the other requests will be returned.

(4)  We must receive a consent form from all irrevocable beneficiaries, if any,
     and all assignees, if any. We also reserve the right to require a consent
     form from a spouse, the Insured, other beneficiaries, or any other person
     if, in our discretion, such person's consent is necessary to protect our
     interests.

(5)   This Rider provides for the advance of a portion of the Eligible Death
      Benefit of this Policy. This is not meant to cause involuntary access to
      proceeds ultimately payable to the beneficiary. Therefore, this benefit is
      not available:

     (a)  if either you or the Insured is required by law to use this benefit to
          meet the claims of creditors, whether in bankruptcy or otherwise; or

     (b)  if either you or the Insured is required by a government agency to use
          this benefit in order to apply for, obtain or otherwise keep a
          government benefit or entitlement.

LIMITATIONS - No benefit will be provided by this Rider if Terminal Illness
results from intentionally self-inflicted injuries.

ADJUSTMENTS TO THE POLICY

After an Accelerated Benefit Payment is made, the Policy and all riders will
remain in force subject to the following adjustments:

(1)  The Policy's Death Benefit or current Face Amount, its current and
     Guaranteed Cash Value, if any, its Fund Account or Accumulation Value, if
     any, and its required Premium, if any, will be reduced by the Benefit
     Ratio.

(2)  Any outstanding Policy loan will be reduced by the portion of the Policy
     loan repaid as specified in the Benefits provision of this Rider.

(3)  We will mail to you, for attachment to the Policy, a new policy data page
     showing the decrease in policy values resulting from the Accelerated
     Benefit Payment.


                                        2


CLAIMS

NOTICE OF CLAIM - Written Notice of Claim may be given to us any time after the
date the Insured develops a Terminal Illness as defined in this Rider. Notice of
Claim must identify the Insured and be sent to us at our Home Office.

CLAIM FORMS - We will send claim forms to the Owner when Notice of Claim is
received. If we do not mail the claim form within 15 days, the Owner will be
considered to have complied with the Proof of Terminal Illness requirements by
giving us a Physician Statement acceptable to us and a written statement of the
nature and extent of the Terminal Illness.

PROOF OF TERMINAL ILLNESS - Written proof of the Insured's Terminal Illness must
be received by us before we will make a Benefit payment. This proof will include
a properly completed claim form and a Physician Statement acceptable to us. We
may request additional medical information from the Physician submitting the
statement or any Physician or institution deemed necessary. We will not
unreasonably withhold our acceptance of Proof of Terminal Illness.

PHYSICAL EXAMINATION - At our expense, we reserve the right to have a Physician
of our choosing examine the Insured prior to making an Accelerated Benefit
payment. In the event that the Physician we choose provides a different
diagnosis of the Insured's medical conditions, we reserve the right to rely on
the statement from the Physician of our choosing for claim purposes.

TIME OF PAYMENT OF CLAIMS - All benefits described in this Rider will be
available as soon as we receive satisfactory Proof of Terminal Illness.

PAYMENT OF CLAIMS - All Rider benefits will be paid in a lump sum to the Owner
as of the date of benefit payment. Upon the death of the Owner, we will pay the
benefits to the estate of the Owner, or contingent Owner, if applicable.

GENERAL PROVISIONS

REPRESENTATIONS AND CONTESTABILITY - All statements made in the application for
this Rider, or the policy to which it is attached, by or on behalf of the
Insured will, in the absence of fraud, be deemed representations and not
warranties. The validity of the Rider with respect to the Insured will not be
contestable after it has been in force for 2 years from the date of issue or
Policy Date or reinstatement of the policy to which this Rider is attached
during which time the Insured was living.

REINSTATEMENT - If this Policy is reinstated, this Rider will also be reinstated
provided a benefit has not been paid under this rider.

INCORRECT AGE OR SEX - If there is an error in the age or sex of the Insured,
the benefits available under this Rider will be the amount that would be
available based on the Death Benefit or Face Amount that this Policy would have
provided at the correct age or sex.

TERMINATION OF RIDER - This Rider terminates:

(1)  on the day we receive written request of the Owner; or

(2)  upon termination of this Policy; or

(3)  when this Policy reaches its Maturity Date, if any; or

(4)  upon payment of the Accelerated Benefit provided by this Rider; or

(5)  upon the death of the Insured.


/s/ David Stonecipher                                      /s/ Robert A Reed
Chief Executive Officer                                      Secretary


                                       3