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EXHIBIT 1.A.(13)(d)
RIDER FOR LEVEL TERM INSURANCE BENEFIT ON LIFE OF INSURED
This Benefit is a part of this contract only if it is included in the list
of supplementary benefits on the contract data pages.
BENEFIT
We will pay an amount under this benefit if we receive due proof that the
Insured died: (1) in the term period for the benefit; and (2) while this
contract is in force and not in default beyond the last day of the grace period.
Any proceeds under this contract that may arise from the Insured's death will
include this amount. But our payment is subject to all the provisions of the
benefit and of the rest of this contract.
We show the amount of term insurance on the contract data pages. We also
show the term period for the benefit there. It starts on the contract date,
which we show on the first page. The anniversary at the end of the term period
is part of that period.
CONVERSION TO ANOTHER PLAN OF INSURANCE
RIGHT TO CONVERT
You may be able to exchange this benefit for a new contract of life
insurance on the Insured's life. In any of these paragraphs, when we use the
phrase new contract we mean the contract for which this benefit may be
exchanged. You will not have to prove that the Insured is insurable.
CONDITIONS
Your right to make this exchange is subject to all these conditions: (1)
You must ask for the exchange in writing and in a form that meets our needs. (2)
You must send this contract to us to be endorsed. (3) We must have your request
and the contract at our Home Office while the Benefit is in force and before the
end of its term period.
The new contract will not take effect unless the premium for it is paid
while the Insured is living and within 31 days after its contract date. If the
premium is paid as we state, it will be deemed that: (1) the insurance under the
new contract took effect on its contract date; and (2) this benefit ended just
before that contract date.
CONTRACT DATE
The date of the new contract will be the date you ask for in your request.
But it may not be more than 61 days after the date of your request. It may not
be after the end of the term period for the benefit. And it may not be more than
31 days before we have your request at our Home Office.
CONTRACT SPECIFICATIONS
The new contract will be in the same rating class as this contract. We will
set the issue age and the premiums for the new contract in accord with our
regular rules in use on its contract date.
The new contract may be on any life or endowment plan we would regularly
issue on its contract date for the same rating class, amount, issue age and sex.
But it cannot be any of these: (1) a single premium contract; or (2) one that
insures anyone in addition to the Insured; or (3) one that includes or provides
for term insurance other than extended insurance; or (4) one with premiums that
increase after a stated time, if its first premium is less-than 80% of any later
premium; or (5) one with supplementary benefits other than the benefit to which
we refer later in these paragraphs.
Its face amount will be the amount you ask for in your request. But except
as we state below, that amount must be an amount we would regularly issue for
the plan you choose. And it cannot be less than $10,000 or more than the amount
of term insurance for this benefit. The face amount you want might be less than
the smallest amount we would regularly issue on the plan you wish. In that case
we will issue a new contract for as low as $10,000 on the Life Paid Up at Age 85
plan if you ask us to do so.
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If: (1) the new contract is either on the Life Paid Up at Age 85 plan or
has a premium period at least as long as for that plan; (2) this contract has a
benefit for waiving or paying premiums in the event of disability; and (3) we
would include that kind of benefit in other contracts like the new contract, we
will put the benefit in the new contract. The benefit, if any, in the new
contract will be the same one, with the same provisions, that we put in other
contracts like it on its contract date. In this paragraph, when we use the
phrase other contracts like it, we mean contracts we would regularly issue on
the same plan and for the same rating class, amount, issue age and sex.
We will not deny a benefit for waiving or paying premiums that we would
have allowed under this contract, and that we would otherwise allow under the
new contract, just because disability started before the contract date of the
new contract. But any premium to be waived or paid for that disability under the
new contract must be at the frequency that was in effect for this contract when
the disability started.
We will not waive or pay any premium under a new contract unless it has a
benefit for waiving or paying premiums in the event of disability. This will be
so even if we have waived or paid premiums under this contract.
CHANGES
You may be able to have this benefit changed to a new contract of life
insurance (either with us or with a subsidiary of ours) other than in accord
with the requirements for exchange that we state above. Or you may be able to
exchange this benefit for an increase in the amount of insurance under this
contract. But any change may be made only if we consent, and will be subject to
conditions and charges that are then determined.
MISCELLANEOUS PROVISIONS
BENEFIT PREMIUMS AND CHARGES
We show the premiums for this benefit in the Schedule of Premiums in the
contract data pages. From each premium payment, we make the deductions shown
under Schedule of Deductions from Premium Payments in these 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 Schedule of
Monthly Deductions from the Contract Fund in the contract data pages.
Benefit premiums and monthly charges stop on the contract anniversary at
the end of the term period for this benefit.
TERMINATION
This benefit will end 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 date the contract is surrendered under its Cash Value Option, if it
has one;
3. the end of the last day before the contract date of any other contract
(a) for which the benefit is exchanged, or (b) to which the benefit is changed;
and
4. the date the contract ends for any other reason.
Further, if you ask us in writing, and we agree, we will cancel the benefit
as of the first monthly date on or after we receive your request. Contract
premiums and monthly charges due then and later will be reduced accordingly.
This Supplementary Benefit rider attached to this contract on the Contract
Date.
The Prudential Insurance Company of America,
By /s/ XXXXXXX X. LIGHT
Secretary
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