RIGHT TO CANCEL CONTRACT Clause Samples

RIGHT TO CANCEL CONTRACT. This Contract may be returned within 10 days after you receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be cancelled upon our receipt, and we will return an amount equal to the sum of (i) the difference between Purchase Payments received, including any fees or other charges, and the amount(s) allocated to the Allocation Options under the Contract, and (ii) the Contract Value as of the date the Contract is mailed or delivered to us or the representative who sold it to you. If you exercise your Right to Cancel the Contract, the entire Credit will be recaptured.

RIGHT TO CANCEL CONTRACT. You may return this contract to us within (1) 10 days after you get it, or (2) 45 days after Part 1 of the application was signed, or (3) 10 days after we mail or deliver to you any withdrawal right notice required by the Securities and Exchange Commission, whichever is latest. All you have to do is take the contract or mail it to one of our offices or to the representative who sold it to you. It will be canceled from the start and we will promptly give you the value of our Contract Fund on the date you return the contract to us. We will also give back any charges we made in accord with this contract. Signed for Pruco Life Insurance Company of New Jersey, a New Jersey Corporation /s/ [SPECIMEN] /s/ [SPECIMEN] Secretary President MODIFIED PREMIUM VARIABLE LIFE INSURANCE POLICY WITH VARIABLE INSURANCE AMOUNT. INSURANCE PAYABLE ONLY UPON DEATH. SCHEDULED PREMIUMS PAYABLE THROUGHOUT INSURED'S LIFETIME. PROVISION FOR OPTIONAL ADDITIONAL PREMIUMS. BENEFITS REFLECT PREMIUM PAYMENTS, INVESTMENT RESULTS AND MORTALITY CHARGES. GUARANTEED MINIMUM DEATH BENEFIT IF SCHEDULED PREMIUMS DULY PAID AND NO CONTRACT DEBT. INCREASE IN FACE AMOUNT AT ATTAINED AGE 21 IF CONTRACT ISSUED AT AGE 14 OR LOWER. NON-PARTICIPATING. VALB--84 - N CONTRACT SUMMARY We offer this summary to help you understand this contract. We do not intend that it change any of the provisions of the contract. This is a contract of life insurance. Premiums are to be paid throughout the Insured's lifetime. We specify a schedule of premiums that will keep the contract in force. Additional premiums may be paid at your option, subject to limits in the contract. The death benefit and the cash value will vary with the payment of premiums, the investment performance of those subaccounts of the Pruco Life Variable Appreciable Account that you select, and the extent to which mortality charges are less than the guaranteed maximums. But the death benefit is guaranteed never to be less than the face amount if the contract is not in default past its days of grace, and there is no contract debt. (We describe on page 8 the way the contract can go into default.) If the contract remains in default past its days of grace, the contract may end or it may stay in force with reduced benefits. If either occurs, you may be able to reinstate its full benefits. On the date, if any, when we determine that the contract has become fully paid-up, we will recompute the guaranteed death benefit. It may be higher; it will not be lower. We ...

RIGHT TO CANCEL CONTRACT. This Contract may be returned within 10 days after you receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be cancelled upon our receipt, and we will return an amount equal to the sum of (i) the difference between Purchase Payments received, including any fees or other charges, and the amount(s) allocated to the Allocation Options under the Contract, and (ii) the Contract Value as of the date the Contract is mailed or delivered to us or the representative who sold it to you. If you exercise your Right to Cancel the Contract, the entire Credit will be recaptured. READ YOUR CONTRACT CAREFULLY TABLE OF CONTENTS CONTRACT DATA PAGES DEFINITIONS PURCHASE PAYMENTS CREDITS CONTRACT VALUE VARIABLE SEPARATE ACCOUNT CONTRACT MAINTENANCE CHARGE TRANSFERS WITHDRAWALS PROTECTED VALUE GUARANTEED MINIMUM DEATH BENEFIT ANNUITY AND SETTLEMENT OPTIONS BENEFICIARY SUSPENSION OR DEFERRAL OF PAYMENTS OR TRANSFERS FROM THE SEPARATE ACCOUNT GENERAL PROVISIONS VALUES AND BENEFITS ANNUITY SETTLEMENT TABLES CONTRACT DATA PURCHASE PAYMENTS: Initial Purchase Payment:

RIGHT TO CANCEL CONTRACT. This Contract may be returned within 10 days after you receive it. The Contract may be mailed or delivered to the Annuity Service Center, or to the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be canceled upon our receipt, and we will return your money in accordance with applicable law. A Market Value Adjustment will not be applied to the amount paid during the Right to Cancel period.

RIGHT TO CANCEL CONTRACT. If for any reason you are not satisfied with this Contract, you may return it to us within 10 days (20 days if this Contract is replacing a previously existing life insurance or annuity contract) of the date you received it. You may return it by delivering or mailing it to our Administrative Office, Mail Station ▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇. IA 52499, or to the agent from whom you purchased this Contract. If returned, the Contract shall be void from the Contract Date. We will return the Accumulated Value of your Contract, as of the date we receive it, plus any loads, fees, and/or Premium Taxes that may have been subtracted from your Purchase Payment(s). This is a legal contract between you and us. READ THE CONTRACT CAREFULLY.

RIGHT TO CANCEL CONTRACT. This Contract may be returned within [10] days after you receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be canceled upon our receipt, and we will return your money in accordance with applicable law. Under certain circumstances, we have the right to allocate Purchase Payment(s) to the Money Market Subaccount until the expiration of the Right to Cancel period. If we so allocate Purchase Payment(s), we will refund the Purchase Payment(s), less any withdrawals, in the event of cancellation under the terms of this paragraph. Minimum Subsequent Purchase Payment: $1,000. For IRA contracts, the Minimum Subsequent Purchase Payment is $1,000. The Minimum Subsequent Purchase Payment for automatic purchase plans, if available, is $100. Annual Purchase Payment Limits: The total of all Purchase Payments made into this Contract in the first Contract Year may not exceed [$20,000,000]. The total of all Purchase Payments made into this Contract in any Contract Year after the first Contract Year may not exceed [$2,000,000]. Purchase Payments of greater value may be allowed with our prior approval. Aggregate Purchase Payment Limit: The total of all Purchase Payments made into this Contract may not exceed [$20,000,000]. Purchase Payments of greater value may be allowed with our prior approval. [4%] of Initial Purchase Payment. Number of Contract Anniversaries Since Date of Each Purchase Payment Vested Percentage 10% 20% 30% 40% 50% 60% 70% 80% 100%] As designated by Owner at Contract Date unless changed in accordance with the Contract provisions.

RIGHT TO CANCEL CONTRACT. You may return this contract to us within (1) 10 days after you get it, or (2) 45 days after Part 1 of the application was signed, or (3) 10 days after we mail or deliver the Notice of Withdrawal Right, whichever is latest. All you have to do is take the contract or mail it to one of our offices or to the representative who sold it to you. It will be canceled fro the start and we will promptly give you the value of our Contract Fund on the date you return the contract to us. We will also give back any charges we made in accord with this contract. Signed for Pruco Life Insurance Company, an Arizona Corporation /S/ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ /S/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ [SPECIMEN] [SPECIMEN] Secretary President Modified Premium Variable Life Insurance Policy. Insurance payable only upon death. Scheduled premiums payable throughout Insured's lifetime. Provision for optional additional premiums. Cash values reflect premium payments, investment results and mortality charges. Guaranteed death benefit if scheduled premiums duly paid and no contract debt. Increase in face amount at attained age 21 if contract issued at age 14 or lower. Non-participating.

RIGHT TO CANCEL CONTRACT. This Contract may be returned within 10 days after you receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be cancelled upon our receipt, and we will return an amount equal to (A) the portion of the Purchase Payment(s), including any fees or other charges, allocated to any of the Interest Rate Investment Options, and (B) the sum of (i) the difference between Purchase Payments received, including any fees or other charges, and the amount(s) allocated to the Variable Investment Options under the Contract, and (ii) the Contract Value as of the date the Contract is mailed or delivered to us or to the representative who sold it to you. If you exercise your Right to Cancel the Contract, the entire Credit will be recaptured. AFTER THE RIGHT TO CANCEL PERIOD ENDS, WE RESERVE THE RIGHT TO RECAPTURE ANY CREDIT THAT WE GRANTED EITHER WITHIN ONE YEAR PRIOR TO THE OWNER'S DEATH OR AFTER THE OWNER'S DEATH. READ YOUR CONTRACT CAREFULLY Signed for Pruco Life Insurance Company of New Jersey, A New Jersey Corporation. /s/ CLIFFORD E. KIRSCH /s/ VIVIAN BANTA Secretary President INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT NONPARTICIPATING ANNUITY PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT. TABLE OF CONTENTS CONTRACT DATA PAGES..........................................................3 DEFINITIONS..................................................................4

RIGHT TO CANCEL CONTRACT. This Contract may be returned within 10 days after you receive it. It can be mailed or delivered to either us, at the Annuity Service Center, or the representative who sold it to you. Return of this Contract by mail is effective on being postmarked, properly addressed and postage prepaid. The returned Contract will be cancelled upon our receipt, and we will return an amount equal to the sum of (i) the difference between Purchase Payments received, including any fees or other charges, and the amount(s) allocated to the Allocation Options under the Contract, and (ii) the Contract Value as of the date the Contract is mailed or delivered to us or the representative who sold it to you. READ YOUR CONTRACT CAREFULLY Signed for Pruco Life Insurance Company of New Jersey, a New Jersey Corporation. [sig] [sig] --------------------------------- ------------------------------- Secretary President INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT NONPARTICIPATING ANNUITY PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT. VDCA-2000--NY Pruco Life Insurance Company of New Jersey New▇▇▇, ▇▇ ▇▇▇▇▇ A Stock Company Subsidiary of The Prudential Insurance Company of America This is an annuity contract. Subject to the provisions of the Contract, and in consideration of any Purchase Payments you make and we accept, we will make Annuity Payments starting on the Annuity Date shown on the Contract Data pages. Please read the Contract carefully; it is a legal contract between you and Pruco Life Insurance Company. Expense charges applicable to the Contract are shown on the Contract Data pages. If you have a question about the Contract, or a claim, see your representative or contact the Annuity Service Center.