EXHIBIT 1.A.(12)
--------------------------------------------------------------------------------
RIDER FOR INTERIM TERM INSURANCE 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.
BENEFIT
We will pay the beneficiary an amount under this benefit if we receive due
proof that the Insured died on or after the date of the benefit but before the
contract date. But our payment is subject to the provisions of the benefit and
of the rest of this contract. The amount of the benefit is equal to the amount
of insurance provided by the contract on the contract date. We show the contract
date and the date of the benefit on the contract data pages.
CHANGES IN CONTRACT PROVISIONS
This contract has a Suicide Exclusion and an Incontestability provision. In
each of them, we refer to a period of time that extends from the issue date. But
for each of them we will count the time from the date of this benefit, not from
the issue date.
This contract might have a benefit for the payment of premiums by us in the
event of disability; it might have one that provides accidental death coverage.
If so, we might refer in either or both of those benefits to the contract date.
But we will use the date of this benefit, not the contract date.
The first contract premium is due on the contract date. We will grant 31
days of grace for paying it. This will be so even though we state otherwise
under Grace Period.
Except for the changes we describe above, all the provisions of this
contract will be in effect on and after the contract date if the Insured is then
living, as if the contract did not have this beneift. The benefit will not make
any dividend or any contract value that may be provided by the contract
available any sooner.
BENEFIT PREMIUM
We show the premium for this benefit on the contract data pages. This
premium is to be paid on or before the date of the benefit. It is not the
premium for the contract. Neither the benefit nor the premium for it provides
any insurance, or changes premiums payable, on or after the contract date.
PREMIUM ADJUSTMENT
The Insured might die before the contract date. If so, we will return that
part of the premium for this benefit that is more than was needed to pay for the
benefit through the date of death. We will add the amount we return to the
amount we would otherwise pay under the benefit.
THIS SUPPLEMENTARY BENEFIT RIDER ATTACHED TO THIS CONTRACT ON THE CONTRACT DATE
Pruco Life Insurance Companny,
By /s/ XXXXXXX X. LIGHT
-------------------------
Secretary
VL 160A
II-57
