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             ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY

                       ENHANCED DEATH BENEFIT "EDB" RIDER


OVERVIEW: This Enhanced Death Benefit Rider ("Rider") is an optional rider the
Owner has selected. It provides a Death Benefit, which guarantees 5% growth and
provides a guarantee that increases if the Accumulated Value reaches certain
values.

APPLICABILITY: This Rider is made a part of the contract to which it is attached
and is effective on the issue date.

DEFINITION(S): Current Breakthrough Value: On the issue date, it is equal to the
Initial Payment. The Current Breakthrough Value increases each time the
Accumulated Value grows to an amount equal to or greater than the Target
Breakthrough Value. Immediately after such growth in the Accumulated Value, the
Current Breakthrough Value will be equal to the Target Breakthrough Value
immediately prior to such growth. This value is increased by subsequent Payments
and proportionately reduced by subsequent withdrawals (see Payments and
Withdrawals, below).

Target Breakthrough Value: It is equal to 110% of the Current Breakthrough
Value.

BENEFIT: The "Death Benefit" section of the "DEATH BENEFIT" provision is
         replaced by the following:

I.     If an Owner, or an Annuitant if the Owner is a non-natural person, dies
       before the Annuity Date and before or on his/her 80th birthday, the Death
       Benefit will be the greatest of:

       (a)  the Accumulated Value on the date on which both the death
            certificate and all necessary claim paperwork, as determined by the
            Company, have been received at the Principal Office, increased for
            any positive Market Value Adjustment ("MVA"), if applicable;

       (b)  gross payments accumulated daily at an effective annual yield of 5%,
            starting on the Effective Valuation Date of each gross payment and
            ending on the date of death, proportionately reduced for withdrawals
            as they occur; and

       (c)  the Current Breakthrough Value on the date of death, increased for
            subsequent Payments, and proportionately reduced for subsequent
            withdrawals.

II.    If an Owner, or an Annuitant if the Owner is a non-natural person, dies
       before the Annuity Date and after his/her 80th birthday, but before
       his/her 90th birthday, the Death Benefit will be the greatest of:

       (a)  the Accumulated Value on the date on which both the death
            certificate and all necessary claim paperwork, as determined by the
            Company, have been received at the Principal Office, increased for
            any positive MVA, if applicable;

       (b)  the value as determined by Section I(b) above on the deceased's 80th
            birthday, increased for subsequent Payments, and proportionately
            reduced for subsequent withdrawals; and

       (c)  the Current Breakthrough Value on the date of death, increased for
            subsequent Payments, and proportionately reduced for subsequent
            withdrawals.

III.   If an Owner, or an Annuitant if the Owner is a non-natural person, dies
       before the Annuity Date, but on or after his/her 90th birthday, the Death
       Benefit will be the greatest of:

       (a)  the Accumulated Value on the date on which both the death
            certificate and all necessary claim paperwork, as determined by the
            Company, have been received at the Principal Office, increased for
            any positive MVA, if applicable;

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       (b)  the value as determined by Section I(b) above on the deceased's 80th
            birthday, increased for subsequent Payments, and proportionately
            reduced for subsequent withdrawals;

       (c)  the Current Breakthrough Value on the deceased's 90th birthday,
            increased for subsequent Payments, and proportionately reduced for
            subsequent withdrawals; and

       (d)  the Accumulated Value, increased for any positive MVA, if
            applicable, on the deceased's 90th birthday, increased for
            subsequent Payments, and proportionately reduced for subsequent
            withdrawals.

PAYMENTS AND WITHDRAWALS:

I.     When a Payment is made, on the Effective Valuation Date of the Payment:

       (a)  the Current Breakthrough Value will increase by an amount equal to
            the Payment, and

       (b)  the Target Breakthrough Value will increase to an amount equal to
            110% of the Current Breakthrough Value immediately after such
            Payment.

II.    When a withdrawal is taken, on the Effective Valuation Date of the
       withdrawal:

       (a)  the Current Breakthrough Value will be proportionately reduced, and

       (b)  the Target Breakthrough Value will decrease to an amount equal to
            110% of the Current Breakthrough Value immediately after such
            withdrawal.

PROPORTIONATE REDUCTION: Sections I(b), I(c), II(b), II(c), III(b), III(c) and
III(d) of the "Benefit" provision and Section II(a) of the "Payments and
Withdrawals" provision are proportionately reduced by withdrawals. This
proportionate reduction is calculated by multiplying the Section I(b), I(c),
II(b), II(c), III(b), III(c) or III(d) value or the Current Breakthrough Value,
whichever is applicable, determined immediately prior to the withdrawal by the
following:

                            AMOUNT OF THE WITHDRAWAL
                            ------------------------
                    Accumulated Value determined immediately
                             prior to the withdrawal

CHARGE FOR BENEFIT: While this Rider is in effect, the Company will assess an
EDB Charge equal to an annual percentage rate of .40% on a contract monthly
basis. On the last day of each contract month, the monthly charge is deducted
Pro Rata and is equal to 1/12th of the EDB Charge multiplied by the Accumulated
Value of the contract on that date. The EDB Charge only applies during the
Accumulation Phase.




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TERMINATION: This Rider will terminate on the earliest of the following:

       (a)  the Annuity Date;

       (b)  the date the Company determines a Death Benefit is payable and the
            contract is not continued under a spousal takeover; or

       (c)  surrender of the contract.


                    Signed for the Company at Dover, Delaware



                 /s/ Mark A. Hug                      /s/ Charles F. Cronin

                 President                            Secretary








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             ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY

                       ENHANCED DEATH BENEFIT "EDB" RIDER


OVERVIEW: This EDB Rider ("Rider") is an optional rider the Owner has selected.
It provides an Enhanced Death Benefit, which guarantees 7% growth (subject to a
200% cap) and provides an annual step-up.

APPLICABILITY: This Rider is made a part of the contract to which it is attached
and is effective on the issue date.

BENEFIT: The "Death Benefit" section of the "DEATH BENEFIT" provision is
replaced by the following:

I.     If an Owner, or an Annuitant if the Owner is a non-natural person, dies
       before the Annuity Date and before or on his/her 80th birthday, the Death
       Benefit will be the greatest of:

       (a)  the Accumulated Value on the date on which both the death
            certificate and all necessary claim paperwork, as determined by the
            Company, have been received at the Principal Office, increased for
            any positive Market Value Adjustment ("MVA"), if applicable;

       (b)  gross payments accumulated daily at an effective annual yield of 7%,
            starting on the Effective Valuation Date of each gross payment and
            ending on the date of death, adjusted for withdrawals as they occur.
            This value cannot exceed 200% of gross payments, adjusted for
            withdrawals as they occur; and

       (c)  the highest Accumulated Value on any contract anniversary prior to
            the date of death, as determined after being increased for any
            positive MVA, if applicable, and subsequent Payments, and adjusted
            for subsequent withdrawals.

II.    If an Owner, or an Annuitant if the Owner is a non-natural person, dies
       before the Annuity Date and after his/her 80th birthday, but before
       his/her 90th birthday, the Death Benefit will be the greatest of:

       (a)  the Accumulated Value on the date on which both the death
            certificate and all necessary claim paperwork, as determined by the
            Company, have been received at the Principal Office, increased for
            any positive MVA, if applicable;

       (b)  the value as determined by Section I(b) above on the deceased's 80th
            birthday, increased for subsequent Payments and adjusted for
            subsequent withdrawals; and

       (c)  the highest Accumulated Value on any contract anniversary prior to
            the date of death, as determined after being increased for any
            positive MVA, if applicable, and subsequent Payments, and adjusted
            for subsequent withdrawals.

III.   If an Owner, or an Annuitant if the Owner is a non-natural person, dies
       before the Annuity Date, but on or after his/her 90th birthday, the Death
       Benefit will be the greatest of:

       (a)  the Accumulated Value on the date on which both the death
            certificate and all necessary claim paperwork, as determined by the
            Company, have been received at the Principal Office, increased for
            any positive MVA, if applicable;

       (b)  the value as determined by Section I(b) above on the deceased's 80th
            birthday, increased for subsequent Payments and adjusted for
            subsequent withdrawals;

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       (c)  the highest Accumulated Value on any contract anniversary prior to
            the deceased's 90th birthday, as determined after being increased
            for any positive MVA, if applicable, and subsequent Payments, and
            adjusted for subsequent withdrawals; and

       (d)  the Accumulated Value, increased for any positive MVA, if
            applicable, on the deceased's 90th birthday, increased for
            subsequent Payments, and adjusted for subsequent withdrawals.

RESTRICTED FUND:

For purposes of the "Adjustments for Withdrawals" section below, each of the
following investment options is considered to be a Restricted Fund:

       The Fixed Account
       The Guarantee Period Accounts

ADJUSTMENTS FOR WITHDRAWALS:

Sections I(b), I(c), II(b), II(c), III(b), III(c) and III(d) of the "Benefit"
provision are adjusted for withdrawals. For purposes of determining the type of
adjustment, all withdrawals in whole or in part are classified as either
Proportionate Withdrawals or Direct Withdrawals.

       Proportionate Withdrawals are withdrawals that proportionately reduce the
       applicable value. This proportionate reduction is calculated by
       multiplying the Section I(b), I(c), II(b), II(c), III(b), III(c) or
       III(d) value, determined immediately prior to the withdrawal, by the
       following:

                     AMOUNT OF THE PROPORTIONATE WITHDRAWAL
                     --------------------------------------
                    Accumulated Value determined immediately
                             prior to the withdrawal

       Direct Withdrawals are withdrawals that directly reduce the applicable
       value by an amount equal to the amount of the Direct Withdrawal. The
       Maximum Direct Withdrawal is the maximum amount that may be taken as a
       Direct Withdrawal, as determined at the time of each withdrawal. The
       Maximum Direct Withdrawal is equal to $0 if:

       (a)  an allocation has ever been made to a Restricted Fund; or

       (b)  any prior withdrawal, in whole or in part, has ever been classified
            as a Proportionate Withdrawal.

       Otherwise, the Maximum Direct Withdrawal is equal to 7% of gross payments
       (determined as of the Effective Valuation Date of each withdrawal) less
       all prior withdrawals in that Contract Year.

ADJUSTMENTS FOR WITHDRAWALS, AS REFERRED TO IN SECTION I(b):

       If a withdrawal is less than or equal to the Maximum Direct Withdrawal,
       then the entire withdrawal will be classified as a Direct Withdrawal.

       If a withdrawal is greater than the Maximum Direct Withdrawal, then that
       part of the withdrawal equal to the Maximum Direct Withdrawal will be
       classified as a Direct Withdrawal. That part of the withdrawal that
       exceeds the Maximum Direct Withdrawal will be classified as a
       Proportionate Withdrawal.

       Once a Proportionate Withdrawal is taken, all future withdrawals in any
       Contract Year will be classified as Proportionate Withdrawals. Once an
       allocation is made to a Restricted Fund, all future withdrawals in any
       Contract Year will be classified as Proportionate Withdrawals.


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ADJUSTMENTS FOR WITHDRAWALS, AS REFERRED TO IN SECTIONS I(c), II(b), II(c),
III(b), III(c) AND III(d):

       All withdrawals are Proportionate Withdrawals.

CHARGE FOR BENEFIT: While this Rider is in effect, the Company will assess an
EDB Charge equal to an annual percentage rate of .50% on a contract monthly
basis. On the last day of each contract month, the monthly charge is deducted
Pro Rata and is equal to 1/12th of the EDB Charge multiplied by the Accumulated
Value of the contract on that date. The EDB Charge only applies during the
Accumulation Phase.

TERMINATION: This Rider will terminate on the earliest of the following:

       (a)  the Annuity Date;

       (b)  the date the Company determines a Death Benefit is payable and the
            contract is not continued under a spousal takeover; or

       (c)  surrender of the contract.


                    Signed for the Company at Dover, Delaware


           /s/ Mark A. Hug                                /s/ Charles F. Cronin

           President                                      Secretary








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