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EXHIBIT 1.A.(13)(bb)
ENDORSEMENTS
(Only we can endorse this contract.)
BASIS OF COMPUTATION
MORTALITY TABLES DESCRIBED
Except as we state in the next paragraph, (1) we base all net premiums and
net values to which we refer in this contract on the Insured's issue age and sex
and on the length of time since the contract date; (2) we use the Commissioners
1980 Standard Ordinary Smokers Mortality Table; and (3) we use continuous
functions based on age last birthday.
For extended insurance, we base net premiums and net values on the
Commissioners 1980 Smokers Extended Term Insurance Table.
INTEREST RATE
For all net premiums and net values to which we refer in this contract we
use an effective rate of 4% a year.
EXCLUSIONS
When we compute net values, tabular values, reduced paid-up insurance and
extended insurance, we exclude the value of any supplementary benefits and any
other extra benefits added by rider to this contract.
VALUES AFTER 20 CONTRACT YEARS
Tabular values not shown on page 4 will be computed using the standard
nonforfeiture method and the mortality tables and interest rate we describe
above. We show the nonforfeiture factors in the contract data pages.
MINIMUM LEGAL VALUES
The cash, loan and other values in this contract are at least as large as
those set by law where it is delivered. Where required, we have given the
insurance regulator a detailed statement of how we compute values and benefits.
The Prudential Insurance Company of America,
By /s/ XXXXXXX X. LIGHT
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Secretary
ORD 86203--88
II-214
