ENDORSEMENTS (Only we can endorse this contract.) This endorsement is attached to and made a part of this contract on the contract date: In this contract, we use the phrase the insured spouse. When we do, we mean the Insured's spouse who is named for...

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                                                             EXHIBIT 1.A.(13)(l)

                                  ENDORSEMENTS

                      (Only we can endorse this contract.)

     This endorsement is attached to and made a part of this contract on the
contract date:

     In this contract, we use the phrase the insured spouse. When we do, we mean
the Insured's spouse who is named for coverage in the request for change, even
though we state otherwise in the contract. The request for change resulted in
our issuing the contract; it is attached to and made a part of the contract.

The Prudential Insurance Company of America,


By /s/ XXXXXXX X. LIGHT
       Secretary

ORD 86308--88


                                     II-197