PROVIDENT MUTUAL LIFE INSURANCE COMPANY OF PHILADELPHIA

                                     RIDER

                DISABILITY WAIVER OF MONTHLY DEDUCTIONS BENEFIT

INSURED                                               POLICY NUMBER

                                                      RIDER ISSUE DATE

     This Rider is attached to and is a part of this Policy.

WAIVER OF MONTHLY DEDUCTIONS BENEFIT.
     Upon receipt of due proof that:
          a.   the Insured is totally disabled, as defined below;
          b.   such total disability begins while this rider is in effect; and
          c.   such total disability has continued without pause for a period of
               six months,
we will waive monthly deductions falling due while the Insured is totally
disabled, subject to the provisions of this Policy. Except for monthly
deductions made one year or more before we receive written notice and proof of
a claim, monthly deductions which are made while the Insured is totally
disabled but before we approve a claim, will be added back to the Policy
Account Value. The amount will be allocated to the Separate Accounts and
Guaranteed Account in the same proportion as it was deducted from such Accounts.

DEFINITION OF TOTAL DISABILITY.
     1.   TOTAL DISABILITY.  Total Disability is a disability which:
          a.   is caused by sickness or bodily injury; and
          b.   prevents the Insured from engaging in an occupation. During the
               first 5 years of total disability, "occupation" means the regular
               occupation of the Insured at the time the disability started.
               However, the Insured will not be deemed totally disabled if,
               during this 5-year period, he or she is engaged in any gainful
               occupation for which he or she is qualified. After the first 5
               years of total disability, "occupation" means any gainful
               occupation for which the Insured is qualified.
As used in this rider the word "qualified" means qualified by education,
training and experience, "Disability" means the inability of the Insured to
engage in his or her regular occupation or any gainful occupation for which he
or she is qualified.

     2.   RECURRENT TOTAL DISABILITY.  If, after a total disability has stopped,
          a total disability due to the same or a related cause recurs, it will
          be deemed a continuation of the prior period of total disability,
          except that: if the Insured has engaged in the meantime, for at
          least 6 months without pause, in any gainful occupation for which he
          or she is qualified, such recurrence will be deemed a new period of
          total disability.

     3.   PRESUMPTIVE TOTAL DISABILITY.  Total disability also means the total
          and irrecoverable loss of:
          a.   the sight of both eyes;
          b.   the use of both hands;
          c.   the use of both feet; or
          d.   the use of one hand and one foot.

NOTICE AND PROOF OF TOTAL DISABILITY. Written notice and due proof of total
disability must be given to us at our Home Office while the Insured is living
and totally disabled. Failure to give such notice and proof will not void the
claim if it is shown that they were given as soon as was reasonably possible.

     We may ask for proof of continued total disability from time to time. Such
proof will not be required more than once a year after total disability has
continued for two full years. As part of any such proof, we may require medical
examinations of the Insured by physicians named by us.

EXCLUSION FROM COVERAGE.  We will not waive monthly deductions if the total
disability was the result of:

     1.   intentional, self-inflicted injury while sane or insane;
     2.   bodily injury occurring or sickness first manifesting itself before
          this rider took effect unless such injury or sickness was shown in
          the application for this rider; or
     3.   service in the military, naval or air forces of any country engaged
          in war. "War" means declared or undeclared war and any act incidental
          to war and includes resistance to armed aggression.

     We will not waive monthly deductions which were made one year or more
before we received written notice and proof of claim.

                          (continued on reverse side)

C900

COST OF RIDER. The cost of this rider is determined on each Policy Processing
Day by multiplying the Rate Factor for the Insured's Attained Age by the net
amount at risk divided by 1,000.

     If the Insured is in a special Premium Class, the rate factor shown below
will be multiplied by the Risk Factor.

       ATTAINED AGE            RATE FACTOR
       ------------            -----------
          15-45                    .01
          46-48                    .02
          49-50                    .03
          51                       .04
          52                       .05
          53                       .07
          54                       .09
          55                       .13
          56                       .18
          57                       .24
          58                       .32
          59                       .44

TERMINATION. This rider will automatically terminate:

  1. on the date of surrender or other termination of this Policy;
  2. on the first Policy Processing Day after we receive your written request
     for termination of this rider;
  3. at Insured's Attained Age 60, except for benefits for a disability which
     began before that Policy Anniversary.

     No monthly deduction for the cost of this rider will be made after
termination.

INCONTESTABILITY. The Company will not contest this rider after it has been in
force during the Insured's lifetime without the occurrence of total disability
for two years from the Rider Issue Date.

EFFECTIVE DATE. The Effective Date of this rider is the Rider Issue Date shown
above.

Signed for the Company at Philadelphia, Pennsylvania on the Rider Issue Date.


                                        /s/ Robert W. Kloss
                                        -------------------------------------
                                        President and Chief Executive Officer






Form C900