RIDER FOR LEVEL TERM INSURANCE BENEFIT ON DEPENDENT CHILDREN

RIDER FOR LEVEL TERM INSURANCE BENEFIT ON

DEPENDENT CHILDREN

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

Benefit We will pay the amount of term insurance under this benefit if we receive due proof that

a dependent child died while this contract was in force on a premium-paying basis and before the term insurance provided by the benefit on his or her life ends. But our payment is subject to all the provisions of this benefit and of the rest of this contract.

The phrase dependent child means the Insured's child, stepchild, or legally adopted child who: (1) has reached the 14th day after his or her date of birth; (2) has not reached the first contract anniversary on or after his or her 25th birthday; and either (3) is named in the application for this contract and on the date of the application has not reached his or her 18th birthday; or (4) is acquired by the Insured after the date of the application but before the child's 18th birthday.

We show the amount of term insurance under this benefit on a contract data page. The insurance on each dependent child's life will end on the earliest of: (1) the end of the day before the first contract anniversary on or after the child's 25th birthday; (2) the end of the day before the first contract anniversary on or after the Insured's 75th birthday; and (3) the end of the last day before the contract date of any other contract to which the insurance on the dependent child is converted or changed.

Benefit The monthly charge for this benefit is deducted each month from the contract fund. The

Charges amount of that charge is shown under Adjustments to the Contract Fund. Monthly

charges for this benefit stop on the earlier of the date of the Insured's death, and the first contract anniversary on or after the Insured's 75th birthday.

PAID-UP INSURANCE

Paid-up If the Insured dies while this contract is in force and not in default past the last day of the

Insurance On grace period, any term insurance provided by this benefit on a dependent child's life will

A Dependent become paid-up term insurance. While this paid-up insurance is in effect, the contract

Child will remain in force. The paid-up insurance will have cash values but no loan value.

If this benefit becomes paid-up, it may be surrendered for its cash value. This will be the net single premium on the date of surrender of the paid-up term insurance. But, within 30 days after a contract anniversary, the cash value will not be less than it was on that anniversary. To compute this cash value, we use the Commissioners 2001 Standard Ordinary Mortality Table. We use continuous functions based on age last birthday. We use an effective interest rate of 4% a year.

We will usually pay any cash value promptly. But we have the right to postpone paying it for up to six months. If we do so for more than 10 days, we will pay interest at the rate payable under the Interest Payment settlement option.

CONVERSION OF INSURANCE ON A DEPENDENT CHILD

Right to The insurance on each dependent child may be converted under this rider to a new

Convert contract of life insurance. The insurance on each child's life may be converted only once

and once converted, all coverage under this rider on such child will end. Except as we state in the next paragraph, a conversion may be made only on (a) the day the insurance ends as described in the last paragraph under Benefit above, and (b) each contract anniversary on or immediately following his or her 18th, 22nd, and 25th birthdays provided that such anniversary occurs before the insurance ends. It will not be necessary to prove that the child is insurable.

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Conditions The right to convert to a new contract is subject to these conditions: (1) The insurance on the child must be converted while the contract is in force and not in default past the last day of the grace period. (2) The amount of the new contract must meet the minimum as we describe under Contract Specifications. (3) We must receive a written application for the new contract no later than the date the insurance may be converted.

The new contract will not take effect unless the modal premium for it is paid while the child is living and within 31 days after its contract date. If the premium is paid as we state, it will be deemed that the insurance under the new contract took effect on its contract date.

Premium When the insurance on a dependent child is converted, we will allow a premium credit on

Credit the first premium for the new contract. The credit is equal to the lesser of $1.00 for each

full $1,000 of the term insurance under this benefit and $1.00 for each full $1,000 of the new contract's basic amount of insurance.

Contract Date The date of the new contract will be the day after the date the insurance on the dependent child is converted. If a dependent child's coverage is converted, that child's coverage will end at the end of the day before the contract date of the new contract.

Contract The new contract will be in the standard, non-smoking rating class. We will set the issue

Specifications age and the premiums for the new contract in accordance with our regular rules in use on

its contract date.

We will endorse the new contract to show that the period we state in its Incontestability provision will start on the date coverage of the child began under this benefit. But if this contract was reinstated after the date the coverage began but before the date of the new contract, that period will start on the date of the most recent reinstatement. We will have the right to use the statements that were made to us as the basis for reinstatement to contest the new contract. The period during which we will have that right will be the period we state in the Incontestability provision of the new contract.

We will endorse the new contract to show that the period we state in its Suicide Exclusion provision will start on the date coverage of the child began under this benefit.

Except as we state in the next sentence, the new contract may be any life policy we or the Prudential Insurance Company of America regularly issue on its contract date for the standard, non-smoking rating class, requested amount, issue age, and sex. It may not be: one that insures anyone in addition to the child; one that includes or provides for term insurance, other than extended insurance; or one with any benefit other than the basic insurance benefit and the waiver benefit we refer to below.

The basic amount of the new contract may be any amount as long as it is at least $25,000 and not more than five times the amount of insurance on the child's life under this benefit; but the total amount for the child may not exceed the maximum amount allowed by law. If the amount requested is smaller than the smallest amount we would regularly issue on the requested plan, a new contract for as low as $25,000 on the Life Paid Up at Age 85 plan (or any other plan we, or The Prudential Insurance Company of America, are regularly issuing at that face amount) will be issued if you ask.

If the new contract requires premium payment to at least age 85, if asked, we will include a benefit for waiving premiums in the event of the disability of the person insured if we would include a waiver benefit in other contracts like the new one.

We will not waive any premium under the new contract unless the disability started on or after its contract date. And we will not waive any premium under the new contract unless it has a benefit for waiving premiums in the event of disability, even if we have waived premiums under this contract.

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Any benefit for waiving premiums in the new contract will be the same one with the same provisions that we put in other contracts like it on the new contract date. In any of these paragraphs, when we refer to other contracts, we mean contracts we would regularly issue on the same plan as the new contract and for the standard, non-smoking rating class, requested amount, issue age and sex.

MISCELLANEOUS PROVISIONS

Changes The insurance on a dependent child may be changed to a new contract of life insurance

other than in accordance with the requirements we state in this form. But this kind of change may be made only if we consent, and will be subject to conditions and charges that are applicable to the new plan in accordance with our regular rules in effect at the time of the change.

Beneficiary The word beneficiary where we use it in this contract without qualification means the beneficiary for insurance payable upon the death of the Insured.

On the contract date, the following two statements apply, unless we issue the contract with an endorsement that states otherwise: (1) The beneficiary for insurance payable upon the death of a dependent child will be the Insured if living, otherwise the beneficiary for this insurance named in the application. (2) If no such beneficiary is living when insurance under this benefit becomes payable, we will make the payment in one sum to the estate of the later to die of the Insured and such beneficiary.

You may change a beneficiary for insurance payable upon the death of a dependent child by sending us a request in a form that meets our needs. We may ask you to send us the contract to be endorsed. If we receive your request, and the contract if we ask for it, at our Home Office, we will file and record the change and it will take effect as of the date you signed the request. But if we make any payment(s) before we receive the request, we will not have to make the payment(s) again. Any beneficiary's interest is subject to the rights of any assignee we know of. When a beneficiary is designated, any relationship shown is to the Insured, unless otherwise stated.

Reinstatement If this contract is reinstated, it will not include the insurance that we provide under this benefit on the dependent children unless you prove to us on or within 15 days after the date of reinstatement that each child who is to be insured is insurable for the benefit. If you do not submit such proof for any child, the benefit may be reinstated if all the other conditions are met to reinstate the contract. Any child for whom proof is not submitted, however, will not be insured under the reinstated benefit, and you may be required to

send the contract to us for endorsement.

Incontestability Except for non-payment of premium, we will not contest this benefit with respect to the insurance on any dependent child's life after it has been in force during the child's lifetime for two years from the issue date.

TERMINATION OF BENEFIT

This benefit will end on the earliest of:

1. the end of the last day of the grace period if the contract is in default;

2. the end of the day before the first contract anniversary on or after the Insured's 75th

birthday;

3. the date the contract is surrendered for its net cash value if it has one or the paid-up

insurance, if any, under the benefit is surrendered; and

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

Further, if you ask us in the premium period in a form that meets our needs, we will cancel the benefit as of the first monthly date on or after the date we receive your request. Monthly charges due then and later will be reduced accordingly.

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MAXIMUM TOTAL AMOUNT OF INSURANCE ALLOWED BY LAW

A dependent child might die when his or her age is less than 14 years and six months. And there might be other life insurance, with us or other companies, payable on the child's life under a contract(s) that was issued and dated before the insurance for the child took effect under this benefit. If so, the most we could pay under this benefit for that death is the excess of: (1) the maximum that is allowed to be paid in accordance with the Table below, over (2) the amount of the insurance on the child's life under (all) the

other contract(s). If the amount of insurance on the child's life under this benefit is greater than that excess, we will reduce it by the difference, with appropriate adjustment of the premium as filed with the Superintendent of Insurance of New York.

If the insurance under this benefit is more than we would be allowed to pay upon a dependent child's death, you may wish to have us reduce it to what we could pay, with appropriate adjustment of the premium as filed with the Superintendent of Insurance of New York. To do so, you must ask us in writing in a form that meets our needs. You must also send the contract to us to be endorsed.

When we compute insurance under this or other contracts we will not include: (1) return premium benefits; or (2) benefits that are paid only for death by accident.

DEPENDENT CHILD'S AGE AT DEATH	MAXIMUM AMOUNT ALLOWED
Less than four years and six months	$5,000 or, if more, 25% of the amount of life insurance in force on the life of the Insured on the date the insurance for the child takes effect under this benefit.
Four years and six months or more, but less than fourteen years and six months	$10,000 or, if more, 50% of the amount of life insurance in force on the life of the Insured on the date the insurance for the child takes effect under this benefit.

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

Pruco Life Insurance Company of New Jersey,

/s/

By

Secretary

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