John Hancock LOGO] Variable Life John Hancock Place Insurance Company Boston, Massachusetts 02117 [(800) -521-1234]

The Xxxx Xxxxxxx Variable Life Insurance Company ("the Company") agrees, subject
to the conditions and provisions of this policy, to pay the Death Benefit to the
Beneficiary upon the death of the Insured if such death occurs while this policy
is in full force, and to provide the other benefits, rights, and privileges of
this policy. The Death Benefit (see Section 4) will be payable, subject to the
"Deferral of Determinations and Payments" provision, on receipt at the Servicing
Office of the Company of due proof of the Insured's death.

This policy, which includes the application and any Riders which are a part of
this policy on delivery, is issued in consideration of the application and
payment of the Minimum Initial Premium as shown on page 3.

The Policy Specifications and the conditions and provisions on this and the
following pages are part of this policy.

THIS POLICY IS A LEGAL CONTRACT BETWEEN THE OWNER AND THE COMPANY. READ YOUR
POLICY CAREFULLY.

Signed for the Company at Boston, Massachusetts:

PRESIDENT SECRETARY

Variable Life Insurance policy
Flexible Premiums
Death Benefit payable at death of Insured
Not eligible for dividends
Benefits, premiums, and the Premium Class are shown in the Policy
Specifications.

TO THE EXTENT ANY BENEFIT, PAYMENT, OR VALUE UNDER THIS POLICY (INCLUDING THE
ACCOUNT VALUE) IS BASED ON THE INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, SUCH
BENEFIT, PAYMENT OR VALUE MAY INCREASE OR DECREASE IN ACCORDANCE WITH THE
INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT AND IS NOT GUARANTEED AS TO FIXED
DOLLAR AMOUNT. THIS POLICY HAS A NO LAPSE GUARANTEE PERIOD, PROVIDED THAT
PREMIUMS ARE PAID ON A TIMELY BASIS AND OTHER CONDITIONS ARE MET AS DESCRIBED IN
SECTIONS 4, 6, AND 7.

RIGHT TO CANCEL--THE OWNER MAY SURRENDER THIS POLICY BY DELIVERING OR MAILING IT
TO THE COMPANY AT ITS SERVICING OFFICE (OR, IF APPLICABLE, TO THE AGENT OR
AGENCY OFFICE THROUGH WHICH IT WAS DELIVERED) WITHIN 10 DAYS AFTER RECEIPT BY
THE OWNER OF THIS POLICY. IMMEDIATELY ON SUCH DELIVERY OR MAILING, THIS POLICY
SHALL BE DEEMED VOID FROM THE BEGINNING. RECEIPT BY THE OWNER OF THIS POLICY
WILL OCCUR (I) ON THE FIFTH DAY AFTER THIS POLICY HAS BEEN PLACED IN THE U.S.
MAIL, FIRST CLASS POSTAGE PREPAID, ADDRESSED TO THE OWNER OR (II) ON THE DATE
THE COMPANY SENDS AN ELECTRONIC MAIL MESSAGE ("E-MAIL") TO THE OWNER'S ADDRESS
AS SHOWN IN THE APPLICATION CONFIRMING THAT THE POLICY IS AVAILABLE TO BE VIEWED
ON THE WEBSITE USED BY THE COMPANY FOR DOCUMENT DELIVERY. A REFUND WILL BE MADE
WITHIN 10 DAYS AFTER TIMELY RECEIPT FROM THE OWNER OF APPROPRIATE WRITTEN
NOTICE. ANY PREMIUM RECEIVED WILL THEN BE REFUNDED.

00EVUL E0100V

Policy Provisions

Section

1. Policy Specifications
2. Table Of Rates
3. Definitions
4. Death Benefit
5. Payments
6. No Lapse Guarantee
7. Grace Period
8. Account Value
9. Charges
10. Loans
11. Surrenders and Withdrawals
12. Basis of Computations
13. Separate Account and Fixed Account
14. Allocation To Subaccounts
15. Investment Policy Change
16. Annual Report To Owner
17. Reinstatement
18. Owner and Beneficiary
19. Interest On Proceeds
20. Deferral Of Determinations And Payments
21. Claims Of Creditors
22. Assignment
23. Incontestability
24. Misstatements
25. Suicide Exclusion
26. The Contract
27. Settlement Provisions

1. POLICY SPECIFICATIONS
------------------------

INSURED [XXXX XXXXXXX] PLAN: Variable Universal Life
ISSUE AGE [35] POLICY NUMBER: [EV 00 000 000]
SEX [MALE] DATE OF ISSUE: [September 1, 2000]
PREMIUM CLASS [STANDARD] [NONTOBACCO]
OWNER, BENEFICIARY As designated in the application
subject to Section 18 of the policy
DEATH BENEFIT OPTION AT ISSUE [Option A]
DEFINITION OF LIFE INSURANCE ELECTED [Cash Value Accumulation Test]

SUM INSURED AT ISSUE: $[500,000]
MINIMUM SUM INSURED: $250,000
NO LAPSE GUARANTEE PERIOD: The first [30] Policy Years

Other Benefits and Specifications
---------------------------------

AGE 100 MAINTENANCE OF DEATH BENEFIT RIDER
ACCELERATION OF LIFE INSURANCE DEATH BENEFIT FOR
QUALIFIED LONG-TERM CARE SERVICES RIDER Monthly Acceleration Percentage [2]%

PREMIUMS*
---------

PLANNED PREMIUM $[3,040] per year for [all] Policy Years
MINIMUM INITIAL PREMIUM $[491.25]
NO LAPSE GUARANTEE PREMIUM $[4,190.00] per year for [30] Policy Years
BILLING INTERVAL [Annual]

*NOTICE: The actual premiums paid will affect the Account Value, the duration
of insurance coverage, and the amount of Death Benefit as described in Section
4. EVEN IF THE PLANNED PREMIUMS SHOWN ABOVE ARE PAID AS SCHEDULED, THEY MAY NOT
BE SUFFICIENT TO CONTINUE THIS POLICY IN FORCE UNTIL THE DEATH OF THE INSURED.
Unless the No Lapse Guarantee feature is in effect, this policy will continue in
force until the death of the Insured only if on each Grace Period Testing Date
this policy's Account Value, less any indebtedness, is at least equal to all due
and unpaid Policy Charges as of that date.

E0300V

1. POLICY SPECIFICATIONS, CONTINUED

CURRENT POLICY CHARGES
----------------------

DEDUCTION FROM PREMIUM PAYMENTS

TAX CHARGE 3.60% of Payments

MONTHLY DEDUCTIONS FROM ACCOUNT VALUE/1/

COST OF INSURANCE CHARGE Determined in accordance with Section 9, and deducted for all
Policy Years; Maximum Monthly Rates are shown in Section 2
ASSET-BASED RISK CHARGE Policy Years: Percentage of Separate Account assets:
------------- --------------------------------------------------------
1-15 .062%
16-30 .033%
31 and later .016%
[RIDER CHARGES As hereinafter shown in this Section 1]

/1/ WE RESERVE THE RIGHT TO CHANGE THE AMOUNT OR PERCENTAGE OF ANY OF THESE
CHARGES, BUT NO CHARGE WILL EXCEED THE AMOUNT OR PERCENTAGE SHOWN IN THE TABLE
OF MAXIMUM POLICY CHARGES AS SHOWN IN THIS SPECIFICATIONS SECTION AND SECTION 2.

E3A00V

1. POLICY SPECIFICATIONS, continued

MAXIMUM POLICY CHARGES
----------------------

DEDUCTION FROM PREMIUM PAYMENTS

TAX CHARGE 3.60% of Payments

MONTHLY DEDUCTIONS FROM ACCOUNT VALUE

COST OF INSURANCE CHARGE Determined in accordance with Section 9, and deducted for all Policy
Years; Maximum Monthly Rates are shown in Section 2

ASSET-BASED RISK CHARGE .075% of Separate Account assets deducted for all Policy Years

[RIDER CHARGES As hereinafter shown in this Section 1]

E3B00V

1. POLICY SPECIFICATIONS, continued

INSURED [XXXX XXXXXXX] PLAN Variable Universal Life

POLICY NUMBER [EV 00 000 000]
RIDER(S) DATE OF ISSUE [September 1, 2000]

RIDER INFORMATION

TYPE DESCRIPTION RIDER CHARGES

Age 100 Maintenance of Death While this rider is in full force and effect, the [$.0003] per $1,000 of Net
Benefit Rider Sum Insured will not be reduced to the Account Amount at Risk deducted for
Value at the Insured's age 100. This policy will Policy Year 6 and all Policy
continue beyond the Insured's age 100 for the Sum Years thereafter*
Insured.
--------------------------------
Acceleration of Death Benefit A portion of the policy death benefit may be [$.07] per $1 of Section 9
for Qualified Long-Term Care accelerated for Qualified Long-Term Care charges monthly for all Policy
Services Rider Services, subject to the terms and conditions in Years (not to exceed [$.10]
the rider. per $1 of Section 9 charges
monthly for all Policy Years)
---------------------------------------------------------------------------------------------------------------------

* This charge is both the current and maximum charge for this Rider.

E3C00V

2. TABLE OF RATES

A. RATE TABLE

Maximum Monthly Rates per Required Additional Death
Age/1/ $1,000 of Net Amount at Risk/2/ Benefit Factor
----------------------------------------------------------------------------

35 .140 4.2907
36 .147 4.1482
37 .156 4.0105
38 .166 3.8777
39 .178 3.7496
40 .191 3.6262
41 .206 3.5073
42 .221 3.3929
43 .238 3.2827
44 .256 3.1767
45 .277 3.0745
46 .299 2.9762
47 .323 2.8817
48 .349 2.7907
49 .379 2.7031
50 .410 2.6189
51 .446 2.5378
52 .489 2.4599
53 .537 2.3851
54 .592 2.3134
55 .654 2.2448
56 .722 2.1791
57 .794 2.1162
58 .872 2.0560
59 .960 1.9983
60 1.059 1.9431
61 1.169 1.8903
62 1.294 1.8398
63 1.437 1.7916
64 1.598 1.7457
65 1.778 1.7020

1. On a Policy anniversary, "age" means the age of the Insured at his or her
birthday nearest that date. That "age" will apply until the next anniversary.

2. Maximum Monthly Rates and Minimum Values are based on the 1980 Commissioners
Standard Ordinary Sex-distinct, Smoker-distinct Mortality Table. These rates
are used to determine the maximum Cost of Insurance Charges in accordance
with Section 9.2.

E0400V

2. TABLE OF RATES

A. RATE TABLE

Maximum Monthly Rates per Required Additional Death
Age/1/ $1,000 of Net Amount at Risk/2/ Benefit Factor
----------------------------------------------------------------------------

66 1.971 1.6605
67 2.180 1.6211
68 2.406 1.5835
69 2.653 1.5477
70 2.932 1.5136
71 3.301 1.4811
72 3.617 1.4507
73 4.041 1.4216
74 4.520 1.3943
75 5.037 1.3688
76 5.590 1.3449
77 6.175 1.3225
78 6.786 1.3014
79 7.440 1.2815
80 8.162 1.2626
81 8.973 1.2447
82 9.898 1.2277
83 10.952 1.2118
84 12.118 1.1971
85 13.374 1.1835
86 14.698 1.1709
87 16.081 1.1593
88 17.496 1.1484
89 18.966 1.1381
90 20.512 1.1282
91 22.165 1.1183
92 23.987 1.1084
93 26.066 1.0980
94 28.784 1.0869
95 32.817 1.0748
96 39.642 1.0616
97 53.066 1.0476
98 83.333 1.0334
99 83.333 1.0198
100+ 0.000 1.0000

1. On a Policy anniversary, "age" means the age of the Insured at his or her
birthday nearest that date. That "age" will apply until the next anniversary.

E4A00V

3. DEFINITIONS
--------------
"ACCOUNT VALUE" is as defined in Section 8.
"AGE" means, on any policy anniversary, the age of the person in question at his
or her birthday nearest that date.
"ANNUAL PROCESSING DATE" means every 12th Processing Date starting with the
Processing Date next after the Date of Issue.
"DEATH BENEFIT" is defined in Section 4.
"FIXED ACCOUNT" means an account established by us which accumulates at rates
which we will determine and declare from time to time, but which will not be
less than 4%. The assets of a Fixed Account are invested in a segment of our
General Account. The General Account consists of assets owned by us other than
those in separate investment accounts established by us pursuant to applicable
law.
"FUND" means each division, with a specific investment objective, of a Series
Fund.
The term "GRACE PERIOD TESTING DATE" means a Processing Date on which we make
the determination described in Section 7. We will determine how often a Grace
Period Testing Date will occur, but it will occur no less frequently than every
3rd Processing Date.
The term "IN FULL FORCE" means that this policy has not lapsed in accordance
with Section 7, or terminated in accordance with Section 10.
The term "INDEBTEDNESS" means the unpaid balance of a policy loan, including any
accrued and unpaid interest.
"MINIMUM INITIAL PREMIUM" is the amount shown in Section 1.
"MODAL PROCESSING DATE" means the first Processing Date of each premium billing
interval.
"NET PREMIUM" is as defined in Section 5.
"NO LAPSE GUARANTEE PREMIUM" is as defined in Section 6.
"PAYMENT" means, unless otherwise stated, payment at our Servicing Office in
Boston, Massachusetts.
"PLANNED PREMIUM" is the amount shown in Section 1.
"POLICY YEAR" means (a) or (b) below whichever is applicable:
(a) The first Policy Year is the period beginning on the Date of Issue and
ending on the Valuation Date immediately preceding the first Annual Processing
Date;
(b) Each subsequent Policy Year is the period beginning on an Annual Processing
Date and ending on the Valuation Date immediately preceding the next Annual
Processing Date.
"PREMIUM" is as defined in Section 5.
"PROCESSING DATE" means the first day of a policy month. A policy month shall
begin on the day in each calendar month which corresponds to the day of the
calendar month on which the Date of Issue occurred. If the Date of Issue is the
29th, 30th, or 31st day of a calendar month, then for any calendar month which
has fewer days, the first day of the policy month will be the last day of such
calendar month. The Date of Issue is not a Processing Date.
"SEPARATE ACCOUNT", unmodified, means a separate investment account, established
by us pursuant to applicable law, in which you are eligible to invest under this
policy.
"SERIES FUND" means a series type mutual fund registered under the Investment
Company Act of 1940 as an open-end diversified management investment company.
"SERVICING OFFICE" means the Company's office which administers this policy. As
of this policy's Date of Issue, the address of the Servicing Office is as shown
on the back cover of this policy. The address may be changed from time to time
by us. We will send written notice of any such change to your last known
address.
"SUBACCOUNT" means a Variable Account or a Fixed Account.
"SURRENDER VALUE" is defined in Section 11.
"VALUATION DATE" means any date on which we are open for business, the New York
Stock Exchange is open for trading, and on which a Series Fund values the shares
of its Funds.
"VALUATION PERIOD" means the period of time from the beginning of the day
following a Valuation Date to the end of the next following Valuation Date.
"VARIABLE ACCOUNT" means each division, with a specific investment objective, of
a Separate Account. The assets of each Variable Account are invested solely in
shares of the corresponding Fund of a Series Fund.
The terms "WE", "US", and "OUR" refer only to the Company.
The term "WRITTEN NOTICE" means, unless otherwise stated, a written notice
received at our Servicing Office or, if permitted by our administrative
practices, an electronic mail message ("e-mail") received at our Servicing
Office.
The terms "YOU" and "YOUR" refer only to the Owner of this policy.

E0500V

4. DEATH BENEFIT
----------------

The Death Benefit is payable if the Insured dies (i) prior to the Surrender
Date, while the policy is in full force, and (ii) we receive due proof of death
prior to payment of the Surrender Value. The Death Benefit will equal the death
benefit of this policy minus any indebtedness on the date of death. We will also
deduct any unpaid charges under Section 9. In addition, if the Insured dies
during a grace period as described in Section 7, we will also deduct the amount
of any unpaid shortfall described in that section.

The death benefit of this policy depends in part on which of the following
Options is in effect. The Option as of the Date of Issue is selected in the
application for this policy.

The determination of the death benefit under both of these Options will be
affected by withdrawals as described in Section 11.

OPTION A: The death benefit of this policy is the Sum Insured, plus any
Required Additional Death Benefit as described below.

OPTION B: The death benefit of this policy is the Sum Insured plus the Account
Value on the date of death of the Insured, plus any Required Additional Death
Benefit as described below.

If you have elected the Guideline Premium Test (as shown in "Definition of Life
Insurance Elected" in Section 1) and we determine that the Premiums paid and
accepted by us would cause this policy to be in violation of Section 7702 of the
IRS Code or any successor provision, we reserve the right to add or increase the
Sum Insured under this policy, retroactively if necessary, so that at no time is
the Death Benefit less than the lowest amount necessary to ensure or maintain
qualification of this policy as a life insurance contract for federal tax
purposes, notwithstanding any other provisions of this policy to the contrary.

. REQUIRED ADDITIONAL DEATH BENEFIT FOR OPTIONS A AND B

If death benefit Option A or B has been selected, the death benefit of this
policy will be increased if necessary to ensure that this policy will continue
to qualify as life insurance under federal tax law. The amount of any such
increase is the Required Additional Death Benefit.

With respect to Option A, the Required Additional Death Benefit on any date will
be equal to the amount, if any, by which the Total Required Death Benefit as of
such date, as defined below, exceeds the Sum Insured.

With respect to Option B, the Required Additional Death Benefit on any date will
be equal to the amount, if any, by which the Total Required Death Benefit as of
such date, as defined below, exceeds the sum of the Sum Insured and the Account
Value.

The Total Required Death Benefit will equal (i) the Account Value multiplied by
(ii) the applicable Required Additional Death Benefit Factor shown in Section 2.
If you have elected the Cash Value Accumulation Test (as shown in "Definition of
Life Insurance Elected" in Section 1), we reserve the right to modify the
Required Additional Death Benefit Factors, retroactively if necessary, to ensure
or maintain qualification of this policy as a life insurance contract for
federal tax purposes, notwithstanding any other provisions of this policy to the
contrary.

A charge for any Required Additional Death Benefit in effect on any Processing
Date will be deducted from the Account Value on such date. Such charge will be
determined as described in the Cost of Insurance Charge subsection of Section 9.

. CHANGE OF DEATH BENEFIT OPTION

You may change from Option B to Option A. At the time of a change from Option B
to Option A, the Death Benefit under the new Option will be the same as it was
under the old Option. A change from Option B will therefore increase the Sum
Insured by the Account Value at the time the new Option takes effect. If you
change a death benefit option, the No Lapse Guarantee Premium described in
Section 6 may increase.

. NO LAPSE GUARANTEE

The No Lapse Guarantee may remain in effect for a term as shown in Section 1.
If on any Processing Date, the No Lapse Guarantee feature is in effect, as
described herein and in Section 6, then this policy will remain in force even
though unpaid Section 9 charges may exceed the Surrender Value, provided there
has not been a failure to repay on a timely basis any excess indebtedness in
accordance with Section 10.

. DEATH BENEFIT AT AND AFTER AGE 100

If this policy is in full force, on the policy anniversary nearest the Insured's
100th birthday, Death Benefit Options A and B described above will cease to
apply. We will automatically set the Sum Insured equal to zero, and
discontinue deduction of the Cost of Insurance Charge and the sum of the charges
for ratings and riders which are part of the policy, if applicable, from the
Account Value. As a result of such changes, the Death Benefit of this policy
will thereafter be equal to the Account Value, and the applicable Required
Additional Death Benefit Factor will be 1.00. In no event will premium payments
be accepted after the policy anniversary nearest the Insured's 100th birthday.

5. PAYMENTS
-----------

Payments under this policy shall be made only to us at our Servicing Office. A
premium reminder notice for Planned Premiums, as shown in the application for
this policy, will be sent to you at the beginning of each payment interval.

When we receive a payment, we first deduct any amount specified as payment of
accrued interest on loans then due under Section 10 and any amount specified as
loan repayment. The remainder will constitute Premium. We then deduct the Tax
Charge. The remainder will constitute Net Premium.

If coverage under this policy takes effect in accordance with the provisions of
the application, we will process any premium payment as of the Valuation Period
in which we receive it, unless one of the following exceptions applies:
(i) We will process a payment received prior to the Date of Issue as if
received on the Date of Issue;
(ii) We will process the portion of any premium payment for which we require
evidence of the Insured's continued insurability on the first Valuation
Date after we have received such evidence and found it satisfactory to us;
(iii) If a payment equal to the Minimum Initial Premium is not received prior to
the Date of Issue, a portion of each payment subsequently received will be
processed as if received on the Date of Issue. Each such portion will be
equal to the (i) Minimum Initial Premium minus (ii) all payments
previously received. The remainder, if any, of each such payment will be
processed as of the date of receipt;
(iv) If our receipt of any premium payment (or portion thereof) would cause a
problem for this policy to qualify as a "life insurance contract" under
the Federal income tax laws, we will not process such payment or portion.
However, in the case of certain other tax problems, we will process the
payment or portion on the first Valuation Date after we have received
written instructions satisfactory to us from you to process such payment
or portion notwithstanding the existence of the tax problem.

Premiums are payable in advance and a premium receipt will be furnished upon
request. Except as provided above, all payments will be processed as of the
date of receipt.

Subject to our maximum limits, you may pay Premiums in excess of the Planned
Premium while this policy is in full force. We may require evidence of
insurability for any such excess premium.

THE FOLLOWING APPLIES IF THE TAX TEST ELECTED FOR FEDERAL INCOME TAX PURPOSES IS
"GUIDELINE PREMIUM TEST", AS SHOWN IN SECTION 1.

The provisions of this policy are to be interpreted to ensure or maintain
qualification as a life insurance contract for federal tax purposes,
notwithstanding any other provisions to the contrary. If at any time the
premiums paid under this policy exceed the amount allowable for such tax
qualification, such excess amount shall be removed from this policy as of the
date of its payment, together with investment experience thereon from such date,
and any appropriate adjustment in the Death Benefit shall be made as of such
date. This excess amount (plus or minus any investment experience) shall be
refunded to you no later than 60 days after the end of the applicable Policy
Year. If this excess amount (plus or minus any investment experience) is not
refunded by then, the Sum Insured under this policy shall be increased
retroactively so that at no time is the Death Benefit ever less than the amount
necessary to ensure or maintain such tax qualification. In no event, however,
will we refuse to accept any premium necessary to prevent this policy from
terminating.

THE FOLLOWING APPLIES IF THE TAX TEST ELECTED FOR FEDERAL INCOME TAX PURPOSES IS
"CASH VALUE ACCUMULATION TEST", AS SHOWN IN SECTION 1.

We reserve the right to modify the Death Benefit Factors shown in Section 2,
retroactively if necessary, to ensure or maintain qualification of this policy
as a life insurance contract for Federal tax purposes, notwithstanding any other
provisions of this policy to the contrary.

E0700V

6. NO LAPSE GUARANTEE
---------------------

The No Lapse Guarantee feature described in Section 4 is in effect if this
policy is within the No Lapse Guarantee Period, as shown in Section 1, and the
No Lapse Guarantee Premium Balance equals or exceeds the No Lapse Guarantee
Premium Target described below.

The No Lapse Guarantee Premium Balance, as of any given Processing Date, equals
(a) the sum of all Premiums paid plus interest applied to each Premium payment
from the date of payment to such Processing Date (with interest calculated at an
annual effective rate of 4%) reduced by (b) the sum of all withdrawals as
described in Section 11 plus interest applied to each withdrawal amount from the
date of withdrawal to such Processing Date (with interest calculated at an
annual effective rate of 4%) reduced by (c) any indebtedness.

The No Lapse Guarantee Premium Target, as of any given Processing Date, equals
(a) the Monthly No Lapse Guarantee Premium times the number of No Lapse
Guarantee Premium Monthly Due Dates that have occurred since the Date of Issue
(including the Date of Issue and such Processing Date) plus (b) interest applied
to each Monthly No Lapse Guarantee Premium from its No Lapse Guarantee Premium
Monthly Due Date to such Processing Date, with interest calculated at an annual
effective rate of 4%.

No Lapse Guarantee Premium Monthly Due Date shall mean the Date of Issue and
each Processing Date thereafter.

Monthly No Lapse Guarantee Premium shall equal the No Lapse Guarantee Premium
shown on page 3 divided by 12.

7. GRACE PERIOD
----------------

On each Grace Period Testing Date, we will determine whether the total of all
due and unpaid Section 9 charges as of such date are equal to or greater than
the Account Value minus indebtedness as of such date. If, on any such Grace
Period Testing Date, the Account Value minus indebtedness is less than the total
of all due and unpaid Section 9 charges, we will then determine whether this
policy is within the No Lapse Guarantee Period.

. If this policy is within the No Lapse Guarantee Period and the No Lapse
Guarantee Feature is in effect on the Grace Period Testing Date in question,
this policy remains in full force.

. If this policy is not within the No Lapse Guarantee Period or if the No Lapse
Guarantee Feature is not in effect on the Grace Period Testing Date in
question, this policy will be deemed to be in default and will be in danger of
lapsing.

The minimum amount you must pay to cure the default is "the Default Payment".
The Default Payment will be equal to a payment which, after deduction of all
applicable charges listed under "Deductions from Premium Payments" in Section 1,
equals: (i) any and all Section 9 charges unpaid prior to the date of default
plus (ii) three times the total of all Section 9 charges for the date of
default.

An amount at least equal to the Default Payment must be received within a grace
period of 61 days after the date of default. We will send notice to your last
known address and to the last known address of any assignee of record with us at
least 31 days before the end of this grace period specifying the Default Payment
which you must make to cure the default. If a payment at least equal to the
Default Payment is received before the end of the grace period, there will no
longer be a default. Any payment received will be processed as of the date of
receipt at our Servicing Office. When payment is received, any Section 9
charges which are past due and unpaid will be deducted from the Account Value.

If there is a default and a payment at least equal to the Default Payment is not
received by the end of the grace period, then this policy will lapse and will no
longer be in full force. Upon a lapse of this policy, the remaining Surrender
Value, if any, will be paid to the Owner.

If the Insured dies during the grace period, the proceeds will be reduced by the
Section 9 charges due and unpaid on the date of the Insured's death.

8. ACCOUNT VALUE
----------------

The Account Value as of the end of any Valuation Period is derived as follows:

(a) We will determine the value of each Subaccount as of the close of
business on the last day of the Valuation Period in accordance with
Section 13. (Call our Servicing Office to determine when the "close of
business" currently occurs.)

(b) We will then determine the share of this policy in each Subaccount and
the total value of such shares.

(d) We will then add any Net Premium received during the Valuation Period to
the value derived in (c) above.

If applicable, we will then compute and deduct all Section 9 charges in the
manner specified in Section 9.

NUMBER OF SHARES IN VARIABLE ACCOUNTS

When transactions are made which affect a Variable Account, dollar amounts are
converted to number of shares. The number of shares for a transaction is
determined by dividing the dollar amount of the transaction by the unit value of
the Variable Account as of the end of the Valuation Period in which the
transaction occurs.

The number of shares increases when:

(a) any portion of a Net Premium is credited to that Variable Account;

(b) transfers from the Fixed Account or other Variable Accounts are credited
to that Variable Account; or

The number of shares in a Variable Account decreases when:

(a) any portion of a loan is taken from that Variable Account;

(b) any portion of the charges described in Section 9 is deducted from that
Variable Account;

(d) a transfer is made from that Variable Account to the Fixed Account or
other Variable Account.

UNIT VALUE OF VARIABLE ACCOUNTS

The unit value will vary from Valuation Date to Valuation Date to reflect the
investment performance of the Variable Account. The unit value in any Variable
Account is $10.00 (ten dollars) on the first Valuation Date for the Variable
Account. The unit value at the end of any subsequent Valuation Period is equal
to the unit value at the end of the preceding Valuation Period multiplied by the
Net Investment Factor for that Variable Account for that Valuation Period.

NET INVESTMENT FACTOR

The Net Investment Factor is determined for each Variable Account for each
Valuation Period. The Net Investment Factor equals the amount of investment
income and capital gains and losses (realized and unrealized) of the Variable
Account, reduced by any amount charged against the Variable Account for taxes
paid, divided by the total assets of the Variable Account at the beginning of
the Valuation Period.

9. CHARGES
----------

On the Date of Issue and on every Processing Date, we will deduct, in order,
each of the charges (a) through (d) from the Account Value, where:

(a) is the Asset-Based Risk Charge

(b) is the sum of the charges for Riders which are part of the policy, if
any, provided such charges are deducted from the Account Value;

(d) is the Cost of Insurance Charge.

The Cost of Insurance Charge on the Date of Issue or on any Processing Date is
an amount equal to the applicable Applied Monthly Rate on that date divided by
1,000, multiplied by the Net Amount at Risk on that date.

E0900V

Each Cost of Insurance Charge is deducted in advance of the insurance coverage
to which it applies.

The Net Amount at Risk is the amount determined by subtracting (a) from the
greater of (b) or (c) where:

(a) is the Account Value at the end of the immediately preceding Valuation
Period less all charges due on the Date of Issue or Processing Date;

(b) (i) is the Sum Insured divided by 1.0032737 for death benefit Option A;
or (ii) is the Sum Insured divided by 1.0000000, plus the Account Value
for death benefit Option B; and

(c) is the amount defined in (a) multiplied by the applicable Required
Additional Death Benefit Factor described in Section 4.

The Applied Monthly Rates are the actual rates used to calculate the Cost of
Insurance Charge. We will determine the Applied Monthly Rates to be used for
this policy. The Applied Monthly Rates will be based on our expectations of
future mortality experience. They will be reviewed at least once every 5 Policy
Years. Any change in Applied Monthly Rates will be made on a uniform basis for
insureds of the same sex, Issue Age, and premium class, including smoker status,
and whose policies have been in force for the same length of time.

10. LOANS
---------

You may borrow money from us on receipt at our Servicing Office of a completed
form satisfactory to us assigning the policy as the only security for the loan.

Loans may be made after the first Policy Year if a Loan Value is available.
Each loan must be for at least $1,000. We may defer loans as provided by law or
as provided in Section 20.

The Loan Value while the policy is in full force will be an amount equal to (i)
the Surrender Value, less (ii) 12 times the monthly charges then being deducted
from the Account Value, less (iii) an amount determined as follows:

. Deduct (ii) above from (i) above.

. Multiply the result by the difference between the effective annual rate then
being charged on loans and the effective annual rate then being credited on
Loan Assets.

Values will be determined, subject to Section 20, at the end of the Valuation
Period in which the loan application is received at our Servicing Office.

The interest charged on any loan will be at an effective annual rate of 4.75%
for years 1-10, 4.5% for years 11-20 and 4.25% thereafter. Loan interest will
accrue and be added to the loan daily and will bear interest from the date of
accrual. Loan interest will be payable on each Annual Processing Date and on the
date the loan is settled. Interest may be paid in advance at the equivalent
effective rate. A loan may be repaid in full or in part at any time before the
Insured's death, and while the policy is in full force.

When excess indebtedness occurs, the policy will terminate on the 31st day after
the Notice Date occurs if such excess has not been repaid by that date. "Excess
indebtedness" is the amount, if any, by which indebtedness exceeds an amount
equal to the Account Value. "Notice Date" is the date on which notice of Excess
indebtedness is mailed to you and any assignee of record with us at the address
last known to us.

Loan Assets are equal to the total of all loans advanced plus interest credited
on each loan amount measured from the date of the loan. When a loan is made, the
amount of the loan will be transferred to Loan Assets. The interest rate
credited to Loan Assets is fixed at an effective annual rate of interest of 4%.
The interest credited to Loan Assets will be added daily and will bear interest
from that date at the same rate.

The effective annual rate of interest credited to Loan Assets is 4%. The amount
transferred to Loan Assets will be removed from the Subaccounts in proportion to
your policy investment in each Subaccount on the date such loan is made (unless
our then current rules allow you to designate different proportions in your loan
request and you in fact do so). Upon loan repayment, the same proportionate
amount of the entire loan as was borrowed from the Fixed Account will be repaid
to the Fixed Account. The remainder of the loan repayment will be allocated to
the appropriate Subaccounts as stipulated in the current Subaccount Investment
Option (unless our then current rules allow you to designate a different
allocation with your repayment and you in fact do so).

11. SURRENDERS AND WITHDRAWALS
------------------------------

We will determine the Surrender Value of this policy, subject to Section 20, if
we receive written notice requesting full surrender of this policy while this
policy is in full force. We will process the request and pay the Surrender Value
only if we have not received due proof that the Insured died prior to the
Surrender Date. The Surrender Value will be calculated as of the Surrender Date.
The Surrender Date is the end of the day in which we have received at our
Servicing Office written notice requesting full surrender of this policy.

While this policy is in full force, the Surrender Value will be an amount equal
to the Account Value less any indebtedness.

When this policy ceases to be in full force under Section 7, we will pay the
Surrender Value, if any, to you.

You may request a withdrawal of part of the Surrender Value in accordance with
our rules then in effect. The amount of the withdrawal will be removed from the
Subaccounts in proportion to your policy investment in each Subaccount on the
date such withdrawal is made (unless our then current rules allow you to
designate a different allocation of your withdrawal and you in fact do so). For
each withdrawal, we reserve the right to make a charge to the Account Value of
an amount not to exceed $20. Each withdrawal must be at least $1,000. No
withdrawal can be made unless the resulting Sum Insured is at least equal to the
Minimum Sum Insured shown in Section 1 and the Surrender Value is equal to or
greater than three times the Section 9 charges at the time of withdrawal.

All amounts withdrawn will be subtracted from the No Lapse Guarantee Premium
Balance as described in Section 6 and will also be subtracted from your Account
Value. Further, your death benefit will be affected as follows:

. With respect to determining the death benefit of the policy under Death
Benefit Option A, an amount equal to any withdrawal and its related charge
will be deducted from the Account Value until the Account Value multiplied by
the appropriate Corridor Factor or Required Additional Death Benefit Factor
becomes equal to the Sum Insured. After that point is reached, both the Sum
Insured and the Account Value will each be reduced by an amount equal to any
remaining withdrawal amounts. Your Death Benefit will continue to be
determined in accordance with Section 4.

. With respect to determining the death benefit of the policy under Death
Benefit Option B, an amount equal to any withdrawal and its related charge
will be deducted from the Account Value. Withdrawals will not affect the Sum
Insured. Your Death Benefit will continue to be determined in accordance with
Section 4.

12. BASIS OF COMPUTATIONS
-------------------------

Minimum surrender values, reserves and net single premiums referred to in the
policy, if any, are computed on the basis of the Commissioners 1980 Standard
Ordinary Sex-distinct Smoker-distinct Mortality Tables with percentage ratings,
if applicable, and based on the underwriting class of the Insured on the Date of
Issue. The computations are made using interest at the rate of 4% a year and
using continuous functions.

The Account Value while this policy is in full force is computed as described in
Section 8. A detailed statement of the method of computation of values has been
filed with insurance supervisory officials of the jurisdiction in which this
policy has been delivered. The values are not less than the minimum values under
the law of that jurisdiction. Any values, reserves and premiums applicable to
any provision for an additional benefit shall be specified in the provision and
have no effect in determining the values available under the provisions of this
Section 12.

13. SEPARATE ACCOUNT AND FIXED ACCOUNT
--------------------------------------

We will allocate Net Premiums, other credits, and charges to the Variable
Accounts and the Fixed Account in accordance with Section 14. We will allocate a
proportional share of the investment results of the Variable Accounts to this
policy. We also reserve the right to make a charge for any applicable income
taxes.

The assets of the Variable Accounts will be invested in shares of corresponding
Funds of a Series Fund. The Funds will be valued at the end of each Valuation
Period at a fair value in accordance with applicable law. We will deduct
liabilities attributable to a Variable Account when determining the value of a
Variable Account. The Variable Accounts available on the Date of Issue of this
policy are shown in the Prospectus for this policy, along with any investment
management fees and other expenses associated with the corresponding Funds.

The assets of the Separate Account are the property of the Company. They shall
be available to cover liabilities of our general account only to the extent that
the assets of the Separate Account exceed the liabilities of the Separate
Account arising under the variable life insurance policies supported by the
Separate Account.

E1100V

We reserve the right to make certain changes if, in our judgment, they would
best serve the interests of the owners of policies such as this or would be
appropriate in carrying out the purposes of such policies. Any changes will be
made only to the extent and in the manner permitted by applicable laws. Also,
when required by law, we will obtain your approval of the changes and approval
from any appropriate regulatory authority.

Examples of the changes we may make include the following:

(a) To operate a Separate Account in any form permitted under the Investment
Company Act of 1940, or in any other form permitted by law.

(b) To take any action necessary to comply with or obtain and continue any
exemptions from the Investment Company Act of 1940.

(d) To substitute, for the investment company shares held in any Subaccount,
another class of shares of the investment company or the shares of
another investment company or any other investment permitted by law.

(e) To make any other necessary technical changes in this policy in order to
conform with any action this provision permits us to take.

If any of these changes results in a material change in the underlying
investments of Variable Accounts to which the reserves for this policy are
allocated, we will notify you of such change. You may then make a new election
under the investment policy change provisions in Section 15.

14. ALLOCATION TO SUBACCOUNTS
-----------------------------

All Net Premiums credited to the Account Value prior to the 20th day after the
Date of Issue will automatically be invested in the Money Market Subaccount. On
the 20th day after the Date of Issue, we will reallocate the amount in the Money
Market Subaccount attributable to any such Net Premiums in accordance with the
Subaccount Investment Option then in effect. We will allocate all other Net
Premiums and all other credits among the Subaccounts in accordance with this
Subaccount Investment Option then in effect. The initial Subaccount Investment
Option is chosen in the application. You may elect to change the Subaccount
Investment Option at any time. A change will be effective at the end of the
Valuation Period in which we receive notice satisfactory to us; however, fund
transfers will not be made if this policy is in a grace period. We reserve the
right to impose limits on the number and frequency of such changes. All
percentages must be expressed as whole numbers. The minimum percentage that may
be allocated to any Subaccount and the maximum number of Subaccounts in which
assets may be held will be subject to our administrative rules in effect at the
time of election. Unless we agree otherwise, we will allocate any charges under
Section 9 among the applicable Subaccounts in proportion to the value of your
policy investment in each Subaccount on the date of the charge.

ACCOUNT TRANSFER RESTRICTIONS

General Restrictions
--------------------

Subject to the limitations in this Section, you may elect to transfer amounts
among the Subaccounts at any time while this policy is in full force. We
reserve the right to (i) impose limits on the number of such transfers in any
Policy Year to any number equal to or greater than 12, (ii) impose limits on the
frequency of such transfers, and (iii) impose a charge for each transfer that
exceeds any policy year limit equal to or greater than 12. Such charge will not
exceed $25 per transfer. A transfer will be effective at the end of the
Valuation Period in which we receive notice satisfactory to us. The maximum
number of Subaccounts in which assets may be held will be subject to our
administrative rules in effect at the time of transfer.

Restrictions on Transfers to and from Subaccounts
-------------------------------------------------

Without our prior approval, the maximum amount which may be transferred to or
from a Subaccount in any Policy Year is $1,000,000.

Restrictions on Transfers to and from the Fixed Account
-------------------------------------------------------

At any time during the first two Policy Years, you may elect to transfer all
assets held in the Variable Accounts to the Fixed Account. No charge will be
made for any such transfer, regardless of the number of transfers previously
made. We reserve the right to impose restrictions on transfers to the Fixed
Account after the first two Policy Years. Transfers from the Fixed Account will
be permitted only once in each Policy Year. The maximum transfer amount in each
Policy Year is 20% of the value of the Fixed Account as of the effective date of
the transfer, or $500, if greater. We may defer the transfer for up to 6 months
after the date your election would have been effective.

15. INVESTMENT POLICY CHANGE
-----------------------------

The investment policy of the Variable Accounts shall not be materially changed
unless a statement of the change is filed with any jurisdiction required such
filing. In the event of such a change in investment policy, and while this
policy is in full force, you may elect a transfer in accordance with Section 14
within 60 days after (i) the effective date of the material change or (ii) the
receipt of a notice of such change and the other available options, whichever is
later. No charge will be made for any such transfer (regardless of the number of
transfers previously made). Any such transfer will be effective as of the end of
the Valuation Period in which we receive the notice.

16. ANNUAL REPORT TO OWNER
--------------------------

While this policy is in full force, we will furnish annually to the Owner a
statement which shows:

(a) The Death Benefit (in accordance with the Death Benefit Option elected) and
the Account Value ,both as of the date of the report;

(b) Payments received and charges made since the last report;

(d) Loan information.

We will furnish any other reports that may be required by law or regulation.

17. REINSTATEMENT
-----------------

If this policy lapses under Section 7, it may be reinstated within 3 years after
the beginning of the grace period.

The date of reinstatement is the date on which we determine that all 3
requirements below have been satisfied:

(1) Receipt of a written application for reinstatement.

(2) Receipt of evidence of insurability satisfactory to us.

(3) Receipt of a payment which, after deduction of all applicable charges
listed under "Deductions from Premium Payments" in Section 1, is at least
equal to the sum of (i) all unpaid charges described in Section 9, plus
interest on each such charge from the date due up to and including the date
of reinstatement at an annual effective rate of 6%, compounded annually,
plus (ii) the total of all Section 9 charges for the three Processing Dates
next following the date of reinstatement, where the charges for each of the
next three Processing Dates are assumed to be equal to such charges on the
date of default.

Requirements (2) and (3) above must be satisfied within 60 days after the date
we receive the application for reinstatement.

On the date of reinstatement (i) the death benefit of this policy will be the
same as if no lapse had occurred and (ii) this policy will have indebtedness
equal to any indebtedness at the end of the day immediately preceding the date
of reinstatement.

The Account Value on the date of reinstatement will be the payment received in
connection with the reinstatement less the sum of all Section 9 charges that
would have been made from the date of lapse to the date of reinstatement if this
policy had not lapsed and less interest on each such charge at an effective
annual rate of 6%, compounded annually, from the date such charge would have
been due up to and including the date of reinstatement.

18. OWNER AND BENEFICIARY
-------------------------

The Owner and the Beneficiary will be as shown in the application unless you
change them or they are changed by the terms of this provision. You shall have
the sole and absolute power to exercise all rights and privileges without the
consent of any other person unless you provide otherwise by written notice. If
there is no surviving Beneficiary upon the death of the Insured, you will be the
Beneficiary, but if you were the Insured, your estate will be Beneficiary.

While the Insured is alive, you may change the Owner and Beneficiary by written
notice. You may also revoke any change of Owner prior to its effective date by
written notice. No change or revocation will take effect unless we acknowledge
receipt on the notice. If such acknowledgment occurs, then (i) a change of
Beneficiary will take effect on the date the notice is signed, and (ii) a change
or a revocation of Owner will take effect as of the date specified in the
notice, or if no such date is specified, on the date the notice is signed. A
change or revocation will take effect whether or not you or the Insured is alive
on the date we acknowledge receipt. A change or revocation will be subject to
the rights of any assignee of record with us and subject to any payment made or
other action taken by us before we acknowledge receipt.

E1300V

19. INTEREST ON PROCEEDS
------------------------

We will pay interest on proceeds paid in one sum in the event of the Insured's
death from the date of death to the date of payment. The rate will be the same
as declared for Option 1 in Section 27, Settlement Provisions, or such greater
rate as is required by law.

20. DEFERRAL OF DETERMINATIONS AND PAYMENTS
-------------------------------------------
We reserve the right to defer payment of the Surrender Value from the Fixed
Account for a period up to six months.

During any period when the New York Stock Exchange is closed for trading (except
for normal holiday closings) or when the Securities and Exchange Commission
("the SEC") has determined that a state of emergency exists which may make
payment impractical, or the SEC by order permits postponement for the protection
of our policyholders, we reserve the right to do the following:

(1) To defer determination of the Account Value, and if such determination
has been deferred, to defer:

(a) determination of the values for a loan as of the end of the day we
receive the loan application at our Servicing Office, and payment of
the loan; and

(b) payment or application of any Death Benefit in excess of the Sum
Insured.

(2) To defer determination, application, processing or payment of a Surrender
Value or any other policy transaction dependent upon Account Value.

A deferral, as described above, will be applicable only if any portion of the
Account Value is invested in a Variable Account.

Except as provided in this provision we will make payment of the Death Benefit,
any Surrender Value, any withdrawal, or any loan amount within 7 days of the
date it becomes payable.

21. CLAIMS OF CREDITORS
-----------------------

The proceeds and any income payments under this policy will be exempt from the
claims of creditors to the extent permitted by law. These proceeds and payments
may not be assigned or withdrawn before becoming payable without our agreement.

22. ASSIGNMENT
--------------

Your interest in this policy may be assigned without the consent of any
revocable Beneficiary. Your interest, any interest of the Insured and of any
revocable Beneficiary shall be subject to the terms of the assignment.

We will not be on notice of any assignment unless it is in writing, nor will we
be on notice until a duplicate of the original assignment has been filed at our
Servicing Office. We assume no responsibility for the validity or sufficiency
of any assignment.

23. INCONTESTABILITY
--------------------

This policy, except any provision for reinstatement or policy change requiring
evidence of insurability, shall be incontestable after it has been in force
during the lifetime of the Insured for two years from its Date of Issue, except
for fraud, policy lapse under Section 7 or policy termination under Section 10.

A reinstatement and any policy change requiring evidence of insurability shall
be incontestable after it has been in force during the lifetime of the Insured
for two years from the effective date of such reinstatement or policy change,
except for fraud, policy lapse under Section 7 or policy termination under
Section 10.

Any premium payment which we accept under Section 5 subject to insurability
shall be considered a policy change for purposes of this Section. Any increase
in the Death Benefit resulting from such payment shall be governed by the
immediately preceding paragraph.

24. MISSTATEMENTS
-----------------

If the age or sex of the Insured has been misstated, we will adjust the Sum
Insured and every other benefit to that which would have been purchased at the
correct age or sex by the most recent Cost of Insurance charge deducted under
Section 9.

25. SUICIDE EXCLUSION
---------------------
If the Insured commits suicide, while sane or insane, within 2 years from the
Date of Issue, this policy will terminate on the date of such suicide and we
will pay (in place of all other benefits, if any) an amount equal to the
Premiums paid less the amount of any indebtedness on the date of death and less
any withdrawals under Section 11. If the Insured commits suicide, while sane or
insane, after 2 years from the Date of Issue and within 2 years from the
effective date of any increase in the Death Benefit resulting from any payment
of Premium we are authorized to refuse under Section 5, the benefits payable
under this policy will not include the amount of such Death Benefit increase but
will include the amount of such Premium.

26. THE CONTRACT
----------------

The written application for this policy is attached at issue. The entire
contract between the applicant and us consists of this policy, such application,
and any riders and endorsements. However, additional written requests or
applications for policy changes or acceptance of excess payment under Section 5
may be submitted to us after issue and such additional requests may become part
of this policy. All statements made in any application shall, in the absence of
fraud, be deemed representations and not warranties. We will use no statement
made by or on behalf of the Insured to defend a claim under this policy unless
it is in a written application. Policy Years, policy months, and policy
anniversaries are measured from the Date of Issue.

Any reference in this policy to a date means a calendar day ending at midnight
local time at our Servicing Office.

An exchange of this policy for a new policy on a different plan may be made by
agreement between you and us in accordance with our published rules in effect at
that time.

No Rider provisions will be in effect after this policy ceases to be in full
force.

We reserve the right to make any changes necessary in order to keep this policy
in compliance with any changes in federal or state tax laws. We also reserve the
right to waive certain restrictions and limitations which, if implemented, will
be administered on a nondiscriminatory basis. Other changes in this policy may
be made by agreement between you and us. Only the President, Vice President, the
Secretary, or an Assistant Secretary of the Company has authority to waive or
agree to change in any respect any of the conditions or provisions of this
policy, or to extend credit or to make an agreement for us.

E1500V

27. SETTLEMENT PROVISIONS
-------------------------

OPTIONAL METHODS OF SETTLEMENT

In place of a single payment, an amount of $1,000 or more payable under this
policy as a benefit or as the Surrender Value, if any, may be left with us,
under the terms of a supplementary agreement. The agreement will be issued when
the proceeds are applied through the choice of any one of the options below, or
any additional options we, in our sole discretion, may make available after
issue. We shall at least annually declare the rate of interest or amount of
payment for each option. Such declaration shall be effective until the date
specified in the next declaration.

OPTION 1-- Interest Income at the declared rate but not less than 3.5% a year on
proceeds held on deposit. The proceeds may be paid or withdrawn in whole or in
part at any time as elected.

OPTION 2A-- Income of a Specified Amount, with payments each year totaling at
least 1/12th of the proceeds, until the proceeds plus interest is paid in full.
We will credit interest on unpaid balances at the declared rate but not less
than 3.5% a year.

OPTION 2B-- Income for a Fixed Period with each payment as declared but not less
than that shown in the Table for Option 2B.

OPTION 3-- Life Income with Payments for a Guaranteed Period, with each payment
as declared but not less than that shown in the Table for Option 3. If the Payee
dies within that period, we will pay the present value of the remaining
payments. In determining present value, we will use the same interest rate used
to determine the payments for this option.

OPTION 4-- Life Income without Refund at the death of the Payee of any part of
the proceeds applied. The amount of each payment shall be as declared but not
less than that shown in the Table for Option 4.

OPTION 5-- Life Income with Cash Refund at the death of the Payee of the amount,
if any, equal to the proceeds applied less the sum of all income payments made.
The amount of each payment shall be as declared but not less than that shown in
the Table for Option 5.

You may choose an option by written notice to us: (a) while the Insured is
alive; and (b) before the proceeds become payable. If you have made no effective
choice, the Payee may make one by written notice within: (a) 6 months after the
death of the Insured; or (b) 2 months after the date on which the proceeds, if
any, are payable in any case except death.

No choice of an option may provide for payments of less than $50.00. The first
payment will be payable as of the date the proceeds are applied, except that
under Option 1 it will be payable at the end of the first payment interval.

The Payee under an option shall be the Insured, if living, and otherwise the
Beneficiary.

No option may be chosen without our consent if the proceeds are payable: (1) in
any case, except death, before the policy has been in force on the same plan for
at least 5 years; or (2) in any case to an executor, administrator, trustee,
corporation, partnership, association, or assignee.

A Payee may, by written notice, name and change a Contingent Payee to receive
any final amount that would otherwise be payable to the Payee's estate.

TABLE FOR SETTLEMENT OPTIONS 2B, 3, 4, AND 5
(MONTHLY PAYMENTS FOR EACH $1,000 OF PROCEEDS APPLIED)

OPTION 2B
Income for a Fixed OPTION 3
Period Age of Payee at Life Income with Guaranteed Period OPTION 4 OPTION 5
----------------------- Birthday Nearest ------------------------------------ Life Income Life Income
Period of Date of First without with Cash
Years Payment Payment 10 Years 20 Years Refund Refund
----------------------- ----------------------------------------------------------------------------------------

E1700V

Communications about this policy may be sent to the Company's Servicing Office,
which is currently at [P.O. Box 111, Boston, Massachusetts 02117].

Variable Life Insurance policy
Flexible Premiums
Death Benefit payable at death of Insured
Not eligible for dividends
Benefits, premiums and the Premium Class are shown in the Policy Specifications.

00EVUL EBP00V Printed in the USA

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