[JEFFERSON PILOT FINANCIAL LOGO]

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


                           PRIMARY INSURED TERM RIDER

Effective Date -

This Rider is part of the policy to which it is attached. It takes effect on the
effective date of the policy unless a later effective date is shown above. In
this rider, "we" , "us", or "our" means Jefferson Pilot Financial Insurance
Company; "you" means the Owner of the policy; and "Insured" means the person
named on Page 3 of the policy.

CONSIDERATION - In return for the payment of the monthly deductions and receipt
of an application for this rider, we will provide the benefit described in this
rider.

BENEFIT - Upon receipt of proof of death of the Insured, while this rider is in
force and before the Expiry Date, we will pay the named beneficiary the Rider
Death Benefit on the date of death. ln addition, this rider modifies the Death
Benefit of the policy as stated below.

TOTAL DEATH BENEFIT - The Total Death Benefit payable under this rider and the
policy to which it is attached depends on the Death Benefit Option for the
policy in effect on the date of death. The Death Benefit Option for the policy
is shown on Page 3.

Option I - Under Option I, the Total Death Benefit shall be the greater of:

(1)  The Specified Amount of the policy, plus the Specified Amount of this
     rider; or

(2)  The Accumulated Value on the date of death multiplied by the corridor
     percentage shown in the policy to which this rider is attached.

Option II - Under Option II, the Total Death Benefit shall be the greater of:

(1)  The Specified Amount of the policy, plus the Specified Amount of this
     rider, plus the Accumulated Value of the policy on the date of death; or

(2)  The Accumulated Value on the date of death multiplied by the corridor
     percentage shown in the policy to which this rider is attached.

TOTAL AMOUNT AT RISK - The Total Amount at Risk for the policy and this rider is
equal to the Total Death Benefit less the Accumulated Value of the policy.

RIDER DEATH BENEFIT - The Specified Amount of this rider is shown on Page 3 of
the policy. The initial Rider Death Benefit is equal to the Specified Amount of
this rider. On any later date, the Rider Death Benefit will be the lesser of:

(1)  The Specified Amount of this rider; or

(2)  The Total Amount at Risk for the policy and this rider,

but not less than zero.

POLICY DEATH BENEFIT - The Policy Death Benefit is equal to the Total Death
Benefit less the Rider Death Benefit.

MONTHLY DEDUCTION - The monthly deduction for this rider will be (a) multiplied
by (b), divided by $1,000, where:

(a)  is the monthly cost of insurance rate for this rider; and

(b)  is the Rider Death Benefit.

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.



EXPIRY DATE - The Expiry Date of this rider is shown on Page 3 of the policy.

CONVERSION PRIVILEGE - The amount of Rider Death Benefit may be converted to an
increase of the Specified Amount in the policy at any time prior to the
Insured's age 85, while this rider is in force. The amount converted is not to
exceed the Specified Amount of this rider as shown on Page 3 of the policy. The
increase will be issued without evidence of insurability. Issue will be subject
to the conditions set forth below.

CONVERSION CONDITIONS - Conversion to an increase of the Specified Amount in the
policy shall be subject to the following conditions:

(1)  Proper written application for the increase must be made by you to our Home
     Office.

(2)  The Accumulated Value of the policy must be sufficient to cover the
     additional monthly deduction for the increase.

(3)  The effective date of the increase shall be the date of termination of this
     rider.

(4)  The rates for the increase will be the current cost of insurance rates for
     the policy at the Insured's attained age and rating class at the time of
     the increase.

(5)  The suicide and contestability period of the increase will begin on the
     effective date of the policy or the effective date of this rider, if later.

COST OF INSURANCE RATES - The monthly cost of insurance rate for this rider is
based on the policy year and the sex and rating class of the Insured. Monthly
cost of insurance rates, which are determined by us based upon future
expectations, include charges for mortality experience, amortized sales charges,
and other administrative charges. Any change in cost of insurance rates will
apply to all individuals of the same rating class as the Insured. We will
consider changes in the cost of insurance rates at least every five years and
when cost of insurance rates for new issues change. However, the cost of
insurance rates can never be greater than those shown in the Table of Monthly
Guaranteed Cost of Insurance rates on Page 4 of the policy. Such guaranteed
maximum rates are based on the 1980 CSO Smoker or Nonsmoker Mortality Table,
with appropriate increases for rated risks.

TERMINATION - This rider will cease as soon as one of the following occurs:

(1)  The monthly deduction for this rider remains unpaid at the end of the Grace
     Period; or

(2)  The policy is surrendered, exchanged, or lapsed; or

(3)  The Expiry Date of this rider is attained; or

(4)  The date of this rider is converted; or

(5)  We receive a proper written request to terminate this rider.


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