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                                                                   Exhibit 4(vi)


              THE MANUFACTURERS LIFE INSURANCE COMPANY OF NEW YORK
                             Corporate Center at Rye
                     555 Theodore Fremd Avenue, Suite C-209
                                  Rye, NY 10580

                 ROTH INDIVIDUAL RETIREMENT ANNUITY ENDORSEMENT

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                Check if this endorsement supersedes a prior Roth
                IRA endorsement .................................  -------------


                 Check if Roth Conversion IRA ...................  -------------

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     This endorsement is made a part of the annuity contract to which it is
attached, and the following provisions apply in lieu of any provisions in the
contract to the contrary.

     The Annuitant is establishing a Roth individual retirement annuity (Roth
IRA) under section 408A to provide for his or her retirement and for the support
of his or her beneficiaries after death.

                                    ARTICLE I

     1.   If this Roth IRA is not designated as a Roth Conversion IRA, then,
except in the case of a rollover contribution described in section 408A(e), the
issuer will except only cash contributions and only up to a maximum amount of
$2,000 for any tax year of the annuitant.

     2.   If this Roth IRA is designated as a Roth Conversion IRA, no
contributions other than IRA Conversion Contributions made during the same tax
year will be accepted.

                                   ARTICLE II

     The $2,000 limit described in Article I is gradually reduced to $0 between
certain levels of adjusted gross income (AGI). For a single annuitant, the
$2,000 annual contribution is phased out between AGI of $95,000 and $110,000;
for a married annuitant who files jointly, between AGI of $150,000 and $160,000;
and for a married annuitant who files separately, between $0 and $10,000. In the
case of a conversion, the issuer will not accept IRA Conversion Contributions in
a tax year if the annuitant's AGI for that tax year exceeds $100,000 or if the
annuitant is married and files a separate return. Adjusted gross income is
defined in section 408A(c)(3) and does not include IRA Conversion Contributions.

                                   ARTICLE III

     The annuitant's interest in the contract is nonforfeitable and
nontransferable.

                                   ARTICLE IV

     1.   The contract does not require fixed contributions.

     2.   Any dividends (refund of contributions other than those attributable
to excess contributions) arising under the contract will be applied before the
close of the calendar year following the year of the dividend as contributions
toward the contract.

                                    ARTICLE V

     1.   If the annuitant dies before his or her entire interest in the
contract is distributed to him or her and the annuitant's surviving spouse is
not the sole beneficiary, the entire remaining interest will, at the election of
the annuitant or, if the annuitant has not so elected, at the election of the
beneficiary, either:

     (a)  Be distributed by December 31 of the calendar year containing the
fifth anniversary of the annuitant's death, or

     (b)  Be distributed over the life, or a period not longer than the life
expectancy, of the designated beneficiary starting no later than December 31 of
the calendar year following the calendar year of the annuitant's death. Life
expectancy is computed using the expected return multiples in Table V of section
1.72-9 of the Income Tax Regulations. If distributions do not begin by the date
described in (b) distribution method (a) will apply. 

     2.   If the annuitant's spouse is the sole beneficiary on the annuitant's
date of death, such spouse will then be treated as the annuitant.

                                   ARTICLE VI


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     1.   The annuitant agrees to provide the issuer with information necessary
for the issuer to prepare any reports required under sections 408(i) and
408A(d)(3)(E), and Regulations section 1.408-5 and 1.408-6, and under guidance
published by the Internal Revenue Service.

     2.   The issuer agrees to submit reports to the Internal Revenue Service
and the annuitant as prescribed by the Internal Revenue Service.

                                   ARTICLE VII

     Notwithstanding any other articles which may be added or incorporated, the
provisions of Articles I through IV and this sentence will be controlling. Any
additional articles that are not consistent with section 408A, the related
regulations, and other published guidance will be invalid.

                                  ARTICLE VIII

     This endorsement will be amended from time to time to comply with the
provisions of the Code, related regulations, and other published guidance. Other
amendments may be made with the consent of the persons whose signatures appear
on the contract.

                                   ARTICLE IX

     1.   The Annuitant must be an individual who is the sole Owner. A Joint
Owner cannot be named. Neither the Owner nor the Annuitant can be changed. The
Contract is established for the exclusive benefit of the Owner and his or her
beneficiaries.

     2.   All distributions made while the Owner is alive must be made to the
Owner. All payments made under a Joint and Survivor Annuity Income Option after
the Owner's death while the Joint Annuitant is alive must be made to the Joint
Annuitant.

     3.   No loan may be made under the Contract. The Owner's interest in the
Contract may not be sold, assigned, transferred, discounted or pledged as
collateral for a loan or as security for the performance of any obligation or
for any other purpose (other than a transfer incident to a divorce or separation
instrument in accordance with section 408(d)(6)) to any person.

     4.   All references in the Contract to IRC Section 72(s) are deleted.


Endorsed on the Date of Issue of this Contract.

THE MANUFACTURERS LIFE INSURANCE COMPANY OF NEW YORK




President












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GENERAL INSTRUCTIONS                           

(Section references are to the Internal Revenue Code unless otherwise noted.)
                                               
PURPOSE OF FORM                                

A Roth individual retirement annuity (Roth IRA) is established after the
contract, which includes this endorsement, is fully executed by both the
individual (annuitant) and the issuer. The contract must be for the exclusive
benefit of the annuitant or his or her beneficiaries.
                                               
Unlike contributions to traditional individual retirement arrangements,
contributions to a Roth IRA are not deductible from the annuitant's gross
income; and distributions after 5 years that are made when the annuitant is 59
1/2 years of age or older or on account of death, disability, or the purchase of
a home by a first-time homebuyer (limited to $10,000), are not includible in
gross income. For more information on Roth IRAs, including the required
disclosure the annuitant can get from the issuer, get Pub. 590, Individual
Retirement Arrangements (IRAs).
                                               
This Roth IRA can be used by an annuitant to hold: (1) IRA Conversion
Contributions, amounts rolled over or transferred from another Roth IRA, and
annual cash contributions of up to $2,000 from the annuitant; or (2) if
designated as a Roth Conversion IRA (by checking the box on page 1), only IRA
Conversion Contributions for the same tax year.
                                               
To simplify the identification of funds distributed from Roth IRAs, annuitants
are encouraged to maintain IRA Conversion Contributions for each tax year in a
separate Roth IRA.
                                               
DEFINITIONS                                    

ROTH CONVERSION IRA. A Roth Conversion IRA is a Roth IRA that accepts only IRA
Conversion Contributions made during the same tax year.

IRA CONVERSION CONTRIBUTIONS. IRA Conversion Contributions are amounts rolled
over, transferred, or considered transferred from a nonRoth IRA to a Roth IRA. A
nonRoth IRA is an individual retirement account or annuity described in section
408(a) or 408(b), other than a Roth IRA. 

ISSUER. The issuer is the insurance company providing the annuity contract. 

ANNUITANT. The annuitant is the person who establishes the annuity contract.

SPECIFIC INSTRUCTIONS 

ARTICLE I. The annuitant may be subject to a 6-percent tax on excess
contributions if (1) contributions to other individual retirement arrangements
of the annuitant have been made for the same tax year, (2) the annuitant's
adjusted gross income exceeds the applicable limits in Article II for the tax
year, or (3) the annuitant's and spouse's compensation does not exceed the
amount contributed for them for the tax year. The annuitant should see the
disclosure statement or Pub. 590 for more information

ARTICLE IX. Article IX and any that follow it may incorporate additional
provisions that are agreed to by the annuitant and issuer to complete the
contract. They may include, for example, definitions, investment powers, voting
rights, exculpatory provisions, amendment and termination, removal of the
issuer, issuer's fees, state law requirements, beginning date of distributions,
accepting only cash, treatment of excess contributions, prohibited transactions
with the annuitant, etc.