Exhibit 4(g). Earnings Benefit Rider

[JOHN HANCOCK GRAPHIC APPEARS HERE]
                  John Hancock Variable Life Insurance Company

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EARNINGS ENHANCEMENT BENEFIT RIDER
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This rider is made a part of the contract to which it is attached, in
consideration of any charges deducted for this rider as shown in Section 1 of
the contract. Without our prior approval, this rider may not be issued
subsequent to the Date of Issue of the contract.

If this rider attaches to a certificate issued under a group master policy, the
term "Owner" as used in this rider refers to the Participant and the term
"contract" as used in this rider refers to the certificate.

The Owner on the Date of Issue of this Rider, and any charges for this rider are
as shown in Section 1 of the contract. The Date of Issue of this Rider is the
Date of Issue of the contract to which it is attached, unless a different Date
of Issue of this Rider is shown in Section 1 of the contract.

You may not change the Owner for this contract once this rider is selected. Any
contrary terms under the contract are superseded by the terms of this rider.

DEFINITIONS

"Death Benefit" is as defined in the Death Benefit Section of the contract, as
may be amended in accordance with the terms of any endorsement or riders
thereto.

"Earnings" is defined as the excess of the Accumulated Value over Net Premiums,
plus or minus any Market Value Adjustments, if applicable.

"Initial Premium" is defined as the first payment you made for the contract. If
the contract is issued in exchange for one or more other annuity or life
insurance contracts, the "initial premium" will include the total amount of
proceeds we received from such other annuity and life insurance contracts.

"Net Premiums" is defined as:

.    the initial premium,

.    plus all other premiums you paid for the contract,

.    less an amount equal to any withdrawals, or portions thereof, that are in
     excess of Earnings,

.    less the amount of any surrender or withdrawal charges imposed on such
     withdrawals.

BENEFIT

We agree to pay the Death Benefit to the Beneficiary, subject to the terms and
conditions of this rider and the contract, according to the following chart.

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SCENARIO                           DEATH BENEFIT PAID ON...
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.    Single Owner                  .    First death
.    Single Annuitant
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.    Joint Owners                  .    First death
.    Single Annuitant
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.    Single Owner                  .    Earliest of Owner death (whether or not
.    Joint Annuitants                   an Annuitant) or last Annuitant death
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.    Joint Owners                  .    Earliest of first Owner death (whether
.    Joint Annuitants                   or not an Annuitant) or last Annuitant
                                        death
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Calculation of Earnings Enhancement Death Benefit and Benefit Limit

We will calculate any Earnings Enhancement Death Benefit as of the date our
Servicing Office receives due proof of the decedent's death and any other
required materials that we need to pay out the Death Benefit. We calculate the
Earnings Enhancement Death Benefit as follows:

1.   we reduce the Death Benefit by the sum of Net Premiums, and
2.   we multiply the result from 1. by the Earnings Enhancement Benefit Percent
     shown in Section 1 of the contract, and
3.   we compare the result from 2 with the Benefit Limit. The Earnings
     Enhancement Death Benefit is the lesser of the result from 2 and the
     Benefit Limit.
4.   The result is then reduced by any applicable premium tax and any accrued
     and unpaid charges under the contract.

We calculate the Benefit Limit as follows:

A.   we reduce Net Premiums by any premium you paid, other than the initial
     premium, within 12 months of the decedent's death, and
B.   we multiply the results from A. by the Maximum Premium Percent shown in
     Section 1 of the contract, and
C.   we multiply the results from B. by the Earnings Enhancement Benefit
     Percent, also shown in Section 1 of the contract.

RIGHT OF CONTRACT CONTINUATION BY SPOUSE

If the decedent is the Owner (or Owner/Annuitant) and the Beneficiary is solely
the spouse of the Owner (or Owner/Annuitant), the Spousal Beneficiary may elect
to continue the contract, with or without this rider, in his or her own name. In
order to continue this rider, the spouse must meet the age requirements in
effect at the time of continuation. If an election is made to continue the
contract (with or without this rider), we will credit an additional amount to
the Account Value so that the new Account Value will equal:
.    the Death Benefit of the Contract
.    plus the Earnings Enhancement Death Benefit,
both to be measured as of the date we receive at our Servicing Office due proof
of the decedent's death and any other required materials that we need to
evidence the Beneficiary's election. The additional amount credited will be
allocated to the investment options in the same ratio as the investment
allocations held at the time of the death benefit calculation. Any additional
amount credited will not be subject to any future surrender or withdrawal
charges.

If an election is made to continue this rider:
.    the Spousal Beneficiary will be considered the "Owner" under the rider,
.    a second Earnings Enhancement Death Benefit may be paid upon the death
     before the Maturity Date of the next applicable life (as determined under
     this rider),
.    the new Account Value upon the date of continuation will be treated as the
     "Initial Premium" in any subsequent calculation of a second Earnings
     Enhancement Death Benefit, and
.    for tax purposes, the original decedent's cost basis will be used.

We reserve the right to adjust the charge for this rider if continued by the
spouse.

If the Beneficiary is not the spouse of the Owner, or if the Beneficiary is the
spouse of the Owner but does not choose to continue the contract, we must pay,
in accordance with the Internal Revenue Code, the Death Benefit in full to the
Beneficiary within five years of the Owner's death or apply the Accumulated
Value in full towards the purchase of a life annuity for the Beneficiary with
payments beginning within one year of the Owner's death.

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TERMINATION

This rider will terminate without value, on the earliest of:

a.   the Date of Maturity (or the date the contract value has been converted
     into an annuity, if later); or

b.   the date the contract is surrendered; or

c.   assignment or transfer of ownership of the contract (unless a Spousal
     Beneficiary elects to continue the rider under the provisions above); or

d.   Payment of the Earnings Enhancement Death Benefit (unless a Spousal
     Beneficiary elects to continue the rider under the provisions above).


Signed for the Company at Boston, Massachusetts.

                                                             Corporate Secretary

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