RIDER FOR FLEXIBLE TERM INSURANCE BENEFIT ON LIFE OF INSURED This rider is a part of this contract only if it is listed on a contract data page.

RIDER FOR FLEXIBLE TERM INSURANCE BENEFIT

ON LIFE OF INSURED

This rider is a part of this contract only if it is listed on a contract data page.

Rider Death Benefit We will pay an amount under this benefit if we receive due proof that the Insured died; (1) in the

term period for this benefit; and (2) while this contract is in force and not in default past the last

day of the grace period. The term period starts on the contract date. The term period ends on the

contract anniversary on or after the Insured's one hundred and twenty first birthday. Our payment is subject

to all the provisions of the benefit and of the rest of the contract.

To determine the rider death benefit on any date, we first take the effective Target Coverage

Amount shown in the Life Insurance on the Insured section of the contract data pages and

subtract from it the death benefit as calculated in the Death Benefit provision. If this contract has

a Type A death benefit (see Type of Death Benefit in the contract data pages), the resultant

amount is the rider death benefit. If this contract has a Type B death benefit, the rider death

benefit is the resultant amount plus the contract fund before deduction of any monthly charges

due on that date. If this contract has a Type C death benefit, the rider death benefit is the

resultant amount plus the lesser of (a) total premiums paid minus total withdrawals from this contract, both

accumulated at the rate(s) displayed in the contract data pages and (b) the contract fund before deduction of

any monthly charge due on that date plus the product of the Type C Limiting Amount multiplied by the Type

C Death Benefit Factor, both found in the Contract Limitations section of the contract data pages. The total

premiums paid will not include any charge to reinstate this contract as described under Reinstatement.

If the rider death benefit is less than zero, we consider it to be zero.

Rider Charges On each monthly date, we will deduct a charge for this rider from the contract fund. To

determine the maximum charge for this rider, we use the following method:

We determine the maximum cost of insurance rate for each currently effective rider coverage

segment amount shown in the Segment Table in the contract data pages using the maximum

monthly rate shown under the Table of Maximum Monthly Insurance Rates for the appropriate

rating class. If there is only one rider coverage segment amount currently in effect, we multiply

the rate by the rider death benefit amount divided by $1000.

If there are two or more rider coverage segment amounts currently in effect, we first allocate the

rider death benefit amount to each rider coverage segment based on the proportion of its rider

coverage amount to the total of all rider coverage amounts currently in effect. We multiply the

rate by the apportioned rider death benefit amount for each rider segment component amount

divided by $1000 and add the results.

We will also deduct a monthly administrative charge for this rider as shown under Adjustments

to the Contract Fund.

Requested Changes in  You may change the Rider Coverage Amount, while this rider is in force, subject to our approval

Rider Coverage and the following conditions:

Amount

1. You must ask for the change in a form that meets our needs.

2. The change must be one permitted by our current underwriting rules.

3.   The amount of an increase or decrease must be at least equal to the minimum increase or

decrease in the Rider Coverage Amount shown under Contract Limitations in the contract

data pages.

4.   The Rider Coverage Amount after a decrease must be at least equal to the minimum Rider

Coverage Amount shown under Contract Limitations in the contract data pages.

VL 197 B3-2008

5. If we ask you to do so, you must send us the contract to be endorsed.

6. You must prove to us that the Insured is insurable for any increase.

7. The contract must not be in default.

8.   We may deny an increase if it would cause the number of segments shown in the Segment

Table in the contract data pages to exceed ninety-nine.

A change will take effect only if we approve your request for it at our Home Office. Unless you

ask us otherwise, the change will take effect on the monthly date immediately following the date

we approve the change. You may request an earlier date, but it may not be more than 90 days

prior to the date of request. If we approve the change, we will also recompute the contract's

charges, values and limitations. We will send you new contract data pages showing the amount

and effective date of the change and the recomputed charges, values and limitations. If the

Insured is not living on the effective date, the change will not take effect. We may deduct the

administrative charge (shown under Adjustments to the Contract Fund) for the change.

Effect of a Withdrawal To determine the effect of a withdrawal on the rider coverage amount, we first compute the

on the Rider Coverage following: (A) The net amount at risk (see Contract Fund) plus the rider death benefit (see

Amount  Rider Death Benefit) immediately prior to the withdrawal; and (B) The net amount at risk plus the

rider death benefit immediately following the withdrawal (see Withdrawals).

If amount (A) is equal to or greater than amount (B), the withdrawal will have no effect on the

Rider Coverage Amount.

If amount (A) is less than amount (B), we consider this amount to be an increase in the total

amount at risk. You must prove to us that the Insured is insurable for this increase. Otherwise,

we may reduce the Rider Coverage Amount and, consequently, the Target Coverage Amount by

the amount of this increase. The reduction in the coverage amounts will never be greater than

the withdrawal amount. We will send you new contract data pages showing the amount and

effective date of the change and the recomputed charges, values and limitations.

Suicide The Suicide Exclusion provision of the contract applies to this rider as issued.

If the Insured, whether sane or insane, dies by suicide after two years from the issue date but

within two years of the effective date of an increase in the Rider Coverage Amount, we will pay,

as to the increase in the Rider Coverage Amount, no more than the sum of the premiums paid on

and after the effective date of the increase.

Termination This rider will end on the earliest of:

1. the end of its term period;

2.  the end of the grace period if the contract is in default and the premium required to bring it

out of default has not been paid;

3. the date the contract is surrendered for its net cash value if it has one; and

4. the date the contract ends for any other reason.

This Supplementary Benefit rider attached to this contract on the Contract Date

Pruco Life Insurance Company

By

Secretary

VL 197 B3-2008