The Prudential Insurance Company of America Corporate Office Newark, New Jersey

       Prudential
       ----------

                                   The Prudential Insurance Company of America
                                   Corporate Office
                                   Newark, New Jersey

We will make monthly annuity payments starting on the Annuity Date we show in
the window of this page. We make this promise subject to all the provisions of
this contract.

Please read this contract with care. A guide to its contents is on the last page
before the back cover. A summary is on page 5. If there is ever a question about
it, or if there is a claim, just see one of our representatives or get in touch
with one of our offices.

Benefits and values under this contract may be on a variable basis. Amounts
directed into one or more of the variable subaccounts will reflect the
investment experience of those subaccounts. They are subject to change both up
and down and are not guaranteed as to dollar amount except as provided under the
Death of Annuitant and Payout Provisions sections.

Right to Cancel Contract.--Not later than ten days after you get this contract,
you may return it to us. All you have to do is take it or mail it to one of our
offices or to the agent who sold it to you. We will cancel the contract and
promptly give you its net asset value, less the net asset value of any amount we
add to the contract fund (see page 8) determined as of the date you return it,
without redemption charge.

The provisions on this and the following pages of this contract comprise the
entire contract. The contract was signed for Prudential on the contract date,
which is the date of issue.



Signed for Prudential,
                    
          /s/Xxxxxxxx X. Xxxxxxxx         /s/Xxxxxx [ILLEGIBLE]  
          -----------------------         ---------------------  
                 Secretary                       President

Variable Annuity Contract with Flexible Purchase Payments--Monthly annuity
payments starting on Annuity Date. Payment as stated upon death before Xxxxxxx
Date. Purchase payments payable during lifetime(s) of annuitant(s) until Xxxxxxx
Date. Cash values reflect investment results.