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EXHIBIT 1.A.(13)(d)
RIDER FOR OPTION TO PURCHASE ADDITIONAL INSURANCE 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
You have the right under this benefit to buy more insurance on the
Insured's life. You may do this for certain normal option dates and advance
option dates, as we explain below. You will not have to prove that the Insured
is insurable. We will provide term insurance for a period before any advance
option dates as we state under Term Insurance below. But these promises are
subject to all the provisions of the benefit and of the rest of this contract.
NORMAL OPTION DATES
These are the anniversaries of this contract on which the Insured's
attained age is 25, 28, 31, 34, 37, 40, 43, 46, 49 and 52.
You may buy a new contract for each normal option date if these four
statements apply: (1) You have not used your right for that date by buying a new
contract on an advance option date (we explain this below). (2) The Insured
signs an application for the new contract, and you sign it, too, if you are not
the Insured. (3) We receive the application and the first premium, less the
premium credit that we describe below, at our Home Office not more than 31 days
after the normal option date. (4) On the normal option date, or, if later, the
date we receive the application, the Insured is living and this contract is in
force and not in default past its days of grace. The new contract will take
effect on the later of those two dates. That date will be its contract date.
Your right to buy the new contract will end on the 31st day after the
normal option date. But this will not change your right to buy a new contract
for any later normal or advance option date.
ADVANCE OPTION DATES
Except as we state in the next paragraph, an advance option date is the
date three months after any of these events:
1. The Insured's marriage.
2. While the Insured is living, the birth of a live child of the Insured
for whom the Insured accepts legal responsibility.
3. The Insured's legal adoption of a child.
But the event must take place: (1) on or after the later of the date of
this contract and the date of Part 1 of its application; and (2) not later than
the date that is one month before the contract anniversary on which the
Insured's attained age is 52. If the event takes place less than three months
before that anniversary, the related advance option date will be that
anniversary and not the date three months after the event.
You may buy a new contract for each advance option date if these four
statements apply: (1) The Insured signs an application for the new contract, and
you sign it, too, if you are not the Insured. (2) We receive the application and
the first premium, less the premium credit that we describe below, at our Home
Office not later than the advance option date. (3) The Insured is living on the
advance option date. (4) This contract is in force on that date and not in
default past its days of grace. The new contract will take effect on the advance
option date. That will be its contract date.
Your right to buy the new contract will end on the advance option date. But
this will not change your right to buy a new contract for any later normal or
advance option date.
Each time you buy a new contract for an advance option date, you will have
used your right to buy a new contract for the next normal option date, if any,
for which you could otherwise have bought one. But even if you have used your
right to buy for all normal option dates, advance option dates may still occur
as we state above. If we let you combine two or more new contracts you can buy
under this benefit into one, you will use your right to buy new contracts for
the same number of future normal option dates as if the new contracts had not
been combined.
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TERM INSURANCE
For each event that gives rise to an advance option date, we will
automatically provide term insurance on the Insured's life, as long as this
contract is in force. Its amount will be the option amount. We will pay that
amount if the Insured dies on or after the date of the event but before: (1) the
advance option date; or (2) the date this benefit ends, if sooner. We will
include it in the proceeds of this contract. But if this contract limits or
excludes war or aviation risks, the term insurance will limit or exclude them in
the same way.
CONTRACT SPECIFICATIONS
The new contract you buy for a normal option date or advance option date
will be in the same rating class as this contract.
We will endorse the new contract to show that the period we state in its
Incontestability provision will start on the issue date of this contract. But if
this contract was reinstated before the date of the new contract, that period
will start on the date of the reinstatement. We will have the right to use the
statements that were made to us as the basis for reinstatement to contest the
new contract. The period during which we will have that right will be the period
we state in the Incontestability provision of the new contract.
We will endorse the new contract to show that the period we state in its Suicide
Exclusion provision will start on the issue date of this contract.
If this contract limits or excludes war or aviation risks, we have the
right to limit or exclude them in the new contract, too. If we do so, the
provision in the new contract will be the same one that we put in other
contracts like the new one on its contract date. 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.
If the option amount for this Benefit which we show in the Contract Data
pages is less than $25,000, the new contract may be one we describe in paragraph
1 below. If the option amount is $25,000 or more, the new contract can be one we
describe in either of paragraphs 1 and 2.
1. A Life Paid Up at Age 85 plan. In this case the new contract will be
issued by The Prudential Insurance Company of America. Its face amount
will be the amount you ask for in your request. But it cannot be less
than $10,000, or more than the option amount for this Benefit.
2. A contract of life insurance of a kind regularly being issued by Pruco
Life Insurance Company at that time for $25,000 or more. Its face amount
will be the amount you ask for in your request. But it cannot be less
than $25,000 or more than the option amount for this Benefit.
We will not deny a benefit for 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 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 pay any premium under the new contract unless it has a benefit
for paying premiums in the event of disability. This will be so even if we have
paid premiums under this contract.
If this contract has an accidental death benefit, or an accidental death
and dismemberment benefit, and we would regularly issue contracts like the new
contract with that benefit, we will put that kind of benefit in the new
contract, as we state in General below. But: (1) you must ask for it when you
apply for the new contract; and (2) the amount of any accidental death benefit
in the new contract will not be more than the face amount of the new contract.
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GENERAL
Any benefit for paying premiums in event of disability and any accidental
death benefit or accidental death and dismemberment benefit in the new contract
will be the same one, that we put in other contracts like it on its contract
date. In any of these paragraphs, when we use the phrases other contracts like
it and other contracts like the new contract, we mean contracts we would
regularly issue on the same plan and for the same rating class, amount, issue
age and sex.
CHANGES
On a normal or advance option date you may be able to buy a new contract of
life insurance other than in accord with the requirements that we state above.
Or you may be able to use the option to increase the amount of insurance under
this contract. But either may be done only if we consent, and will be subject to
conditions and charges that are then determined.
PREMIUM CREDIT
Premium credit will be allowed on the first premium for the new contract.
The credit will be at least $1 for each full $1,000 of face amount of the new
contract. If: (1) the new contract calls for premiums to be paid more often than
annually; and (2) the credit would be more than that first premium, you may
choose to have premiums paid less often to get the full credit.
BENEFIT PREMIUMS AND CHARGES
We show 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 premiuim amount which is added to the contract fund. The premiums
for this benefit stop on the contract anniversary on which the Insured's
attained age is 52.
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. The charges for this benefit stop on the contract anniversary on which
the Insured's attained age is 52.
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 31st day affer the contract anniversary on which the Insured's
attained age is 52;
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.
Further, if you ask us in writing, and we agree, we will cancel the benefit
as of the first monthly date on or after which 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
Pruco Life Insurance Company of New Jersey,
By /s/ SPECIMEN
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Secretary
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