EXHIBIT (4)(h)

                       ENHANCED POLICY SPLIT OPTION RIDER

Benefit - While both Insureds of the policy to which this rider is attached
("the policy" or "this policy") are living, you may exchange the policy for two
new single life policies, one on each of the two Insureds, subject to the terms
of this rider. This exchange will not qualify as a tax-free exchange pursuant to
Section 1035 of the Internal Revenue Code. For additional information about
Section 1035 exchanges, consult your tax advisor. No evidence of insurability
will be required to exercise this option.

Exchange Conditions - You may exercise this option within 90 days after the day
that the Federal Unlimited Marital Deduction is actually reduced, as a result of
the enactment of a new Federal estate tax law, which because of the reduction,
could result in an increase in the Federal estate tax liability at the first
death of the two Insureds under the policy. To exercise this option, you must:

.    ask for the exchange in writing on a form that we will provide to you; and

.    return such form and the policy to us within the 90-day period described
     above.

Exchange Date - The exchange will take effect on the Exchange Date, which is the
date all of the Exchange Conditions are met.

New Policies - The exchange may be to any single life policy that we regularly
issue at the time of exchange, subject to our approval.

The Policy Date of the two new policies will be the Exchange Date. The new
policy on each Insured will be based on that Insured's age as of the Exchange
Date and risk classification as of the date of the most recent increase in any
rider face amount or coverage amount, or if there has been no such increase, as
of the original Policy Date. The new policies will take effect on the Exchange
Date, at which time this policy will end.

The Face Amount of each new policy as of the Exchange Date may be for any amount
you choose, up to one half of the policy's Face Amount, including the Face
Amount under any last survivor term rider that may be attached to the policy,
both as of the Exchange Date. You must give your written consent if the Face
Amounts of the two new policies are not equal.

The Cash Surrender Value of this policy will be allocated as premiums to the two
new policies in the same proportions as the Face Amount of each new policy bears
to the sum of such Face Amounts. Any policy debt of this policy will likewise be
allocated to the policy debt of each of the two new policies in the same
proportions. We will waive any policy charge normally charged to cover our
expenses arising from any state or federal tax charged to us due to the
exchange. Any surrender charges applicable to the new policy will apply to the
new policies.

Continuance of Riders and Benefits - Subject to our approval and if available,
any riders or benefits of the policy may be continued under the new policies.

Adding Coverage to the New Policies - Subject to our approval and if available,
new riders or benefits may be added and coverage may be increased. You must
provide evidence of insurability satisfactory to us for any such addition or
increase.

Suicide Exclusion and Incontestability - For the coverage of the new policies
issued without evidence of insurability, the time period for the Suicide
Exclusion and Incontestability provisions will begin from the Policy Date of
this policy rather than from that of the new policies. For any addition or
increase in coverage, for which evidence of insurability was required, the time
period for the Suicide Exclusion and Incontestability provisions will begin with
the Policy Date of the new policies.

Assignment - Any assignment of the policy will apply to each new policy.

Effective Date - This rider will take effect on the Policy Date.

Termination - This rider will end on the earliest of:
.    your Written Request to end the rider; or
.    the death of one of the policy's two Insureds; or
.    the date when the policy ends; or
.    the policy anniversary nearest the 80th birthday of the older of the two
     Insureds; or
.    your exercise of this rider's exchange option.

General Conditions - This rider is part of the policy to which it is attached.
All terms of the policy that do not conflict with the terms of this rider apply
to this rider. If there is conflict between the terms of this rider and the
terms of the policy, the terms of this rider shall prevail.

                         Pacific Life Insurance Company

      /s/ Thomas C. Sutton                             /s/ Audrey L. Milfs
Chairman and Chief Executive Officer                        Secretary

R03ESO