RIDER FOR INSURED'S PAYMENT OF PREMIUM BENEFIT This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages. Total Disability Benefit We will pay scheduled premiums into the contract...
EXHIBIT 30 (d)(ii)
RIDER FOR INSURED'S PAYMENT OF PREMIUM BENEFIT
This benefit is a part of this contract only if it is included in the list
of supplementary benefits on the contract data pages.
Total Disability Benefit
We will pay scheduled premiums into the contract for you on their due dates
while the insured is totally disabled. But this is subject to all the provisions
of this benefit and of the rest of this contract.
Disability Defined
When we use the words disability and disabled in this benefit we mean total
disability and totally disabled. Here is how we define them: (1) until the
Insured has stayed disabled for two years, we mean that he or she cannot, due to
sickness or injury, do any of the duties of his or her regular occupation; but
(2) after the Insured has stayed disabled for two years, we mean that he or she
cannot, due to sickness or injury, do any gainful work for which he or she is
reasonably fitted by education, training, or experience.
Except for what we state in the next sentence, we will at no time regard an
Insured as disabled who is doing gainful work for which he or she is reasonably
fitted by education, training, or experience. We will regard an Insured as
disabled, even if working or able to work, if he or she incurs, during a period
in which premiums are eligible to be paid by us as we describe below, one of the
following: (1) permanent and complete blindness of both eyes; or (2) physical
severance of both hands at or above the wrists or both feet at or above the
ankles; or (3) physical severance of one hand at or above the wrist and one foot
at or above the ankle.
Premiums Eligible To Be Paid By Us
If the Insured becomes disabled before the first contract anniversary
following his or her 60th birthday and that disability begins: (1) on or after
the first contract anniversary following his or her 5th birthday, if the
contract date was before that birthday; or (2) on or after the contract date, if
that date was on or after his or her 5th birthday, we will pay all scheduled
premiums that fall due while he or she stays disabled.
If the Insured becomes disabled on or after the first contract anniversary
following his or her 60th birthday, we will pay only those scheduled premiums
that fall due before the first contract anniversary following his or her 65th
birthday and while he or she stays disabled.
If the Insured becomes disabled on or after the first contract anniversary
after his or her 65th birthday, we will not pay any scheduled premiums that fall
due in that period of disability.
Conditions
Both of these conditions must be met: (1) The Insured must become disabled
while this contract is in force and not in default past the last day of the
grace period; (2) The Insured must stay disabled for a period of at least six
months while living.
Exceptions
We will not pay any scheduled premiums if the Insured becomes disabled
from: (1) an injury he causes to himself, or she causes to herself, on purpose;
or (2) sickness or injury due to service on or after the contract date in the
armed forces of any country(ies) at war. The word war means declared and
undeclared war and includes resistance to armed aggression.
Successive Disabilities
Here is what happens if the Insured has at least one scheduled premium paid
by us while disabled, then gets well so that he or she resumes making payments,
and then becomes disabled again. In this case, we will not apply the six-month
period that would otherwise be required by Condition (2) and will consider the
second period of disability to be part of the first period unless: (1) the
Insured has done gainful work, for which he or she is reasonably fitted, for at
least six months between the periods; or (2) the Insured became disabled the
second time from an entirely different cause.
If we do not apply the six-month period required by Condition (2), we also
will not count the days when there was no disability as part of the two year
period when disability means the Insured cannot do any of the duties of his or
her regular occupation.
VL 100A
Notice and Proof of Claim
Notice and proof of any claim must be given to us while the Insured is
living and disabled, or as soon as reasonably possible. If notice or proof is
not given as soon as reasonably possible, we will not pay any scheduled premium
due more than one year before the date the notice or proof is given to us.
We may also require at reasonable times that the Insured is still disabled.
After he or she has been disabled for two years, we will not ask for proof of
continued disability more than once a year; and we will require no further proof
of continued disability after the first contract anniversary that follows the
Insured's 65th birthday if he or she has been continually disabled for at least
five years.
As a part of any proof, we have the right to require that the Insured be
examined at our expense by doctors of our choice.
When We Will Stop Paying Premiums
We will stop paying scheduled premiums if:(1) disability ends; or (2) we
ask for proof that the Insured is disabled and we do not receive it; or (3) we
require that the Insured be examined and he or she fails to do so.
Benefit Premiums and Charges
We include the premiums for this benefit in the contract data pages. From
each premium payment, we make the deductions shown on those pages and the
balance is the invested premium amount which is added to the contract fund.
The monthly charge for this benefit is deducted on each monthly date from
the contract fund. The amount of that charge is included in the contract data
pages.
Unscheduled Premiums During Disability
You may make unscheduled premium payments if you wish, as provided in the
Unscheduled Premiums section of the contract even when we are paying scheduled
premiums that fall due during a period of disability.
Termination
This benefit will end and we will make no more scheduled premium payments
for you on the earliest of:
1. the end of the last day of grace if the contract is in default; it will
not continue if a benefit takes effect under any contract value options
provision that may be in the contract;
2. the end of the day before the first contract anniversary that follows
the Insured's 65th birthday, unless the Insured had stayed disabled
since before the first contract anniversary that follows the 60th
birthday;
3. the date the contract is surrendered under its Cash Value Option, if it
has one; and
4. the date the contract ends for any other reason.
If you do not make any withdrawals from the contract starting on the date
the Insured becomes disabled, the contract cannot go into default during the
period we are paying scheduled premiums into the contract.
This Supplementary Benefit rider attached to this contract on the Contract
Date
Pruco Life Insurance Company,
By /s/ SPECIMEN
----------------
Secretary
VL 100A
