EXHIBIT 1.A.(13)(q)
Pruco Life Insurance Company
Pruco Life Insurance Company of New Jersey
Insured Rider for Policy No.
_____________________________________ ______________________________________
INSURED'S ACCIDENTAL DEATH BENEFIT
All previous provisions of this contract with regard to accidental death benefit
will end just before the date of this rider.
BENEFIT.--We will pay $ ___________ for the Insured's accidental loss of life.
But our payment is subject to all the provisions of this Benefit and of the rest
of this contract.
MANNER OF PAYMENT.--We will include in the proceeds of this contract any payment
under this Benefit.
CONDITION.--Both of these conditions must be met: (1) We must receive due proof
that the Insured's death was the direct result, independent of all other causes,
of accidental bodily injury that occurred on or after _________________________.
(2) The death must occur (a) no more than 90 days after the injury; (b) while
the contract is in force with no premium in default past its days of grace; and
(c) before the end of the contract's term or endowment period, if any.
EXCLUSIONS.--We will not pay under this Benefit for death caused or contributed
to by: (1) suicide or attempted suicide while sane or insane; or (2) infirmity
or disease of mind or body or treatment for it; or (3) any infection other than
one caused by accidental cut or wound.
Even if death is caused by accidental bodily injury, we will not pay for it
under this Benefit if it is caused or contributed to by: (1) service in the
armed forces of any country(ies) at war; or (2) war or any act of war; or (3)
travel by, or descent from, any aircraft if the Insured had any duties or acted
in any capacity other than as a passenger at any time during the flight. But we
will ignore (3) if all these statements are true of the aircraft: (a) It has
fixed wings and a permitted gross takeoff weight of at least 75,000 pounds. (b)
It is operated by an air carrier that is certified under the laws of the United
States or Canada to carry passengers to or from places in those countries. (c)
It is not being operated for any armed forces for training or other purposes. As
used here, the word aircraft includes rocket craft or any other vehicle for
flight in or beyond the earth's atmosphere. The word war means declared or
undeclared war and includes resistance to armed aggression.
BENEFIT PREMIUMS.--We grant this Benefit in consideration of: (1) payment now of
an extra premium of $ _________________, and (2) payment on and after
_____________________________ of an extra _______________ premium of
$ ________________. This latter amount will be added to, due at the same time
as, and subject to the same conditions of payment and adjustment as the contract
premiums due on and after that date.
Neither this Benefit nor the extra premium charged for it will change any loan
or contract value that may be in this contract. But if the contract has a
benefit for waiving premiums in the event of disability, that benefit will apply
to the extra premium charged for this Benefit.
TERMINATION.--This Benefit will end on the earliest of:
1. the end of the last day of grace of a premium 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; and
3. the date the contract ends for any other reason.
Further, if you ask us in writing in the premium period, we will cancel the
Benefit as of the date to which premiums are paid. Contract premiums due then
and later will be reduced accordingly.
RIDER ATTACHED TO AND MADE A PART OF THIS CONTRACT
Signed for the Company,
By /s/ SPECIMEN
----------------
Secretary
Date Attest
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PLIY 32--82
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II-148
