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EXHIBIT 1.A.(13)(jj)
RIDER FOR A LEVEL PREMIUM OPTION
This is a modified premium contract. On the contract change date (see
Contract Change Date) the basic premium may increase to an amount no greater
than that shown in the Schedule of Premiums in the contract data pages. This
rider describes a level premium option which guarantees the basic level premium
(excluding additional premiums for any supplementary benefits) will not change
on the contract change date. But this is subject to all the provisions of this
rider and of the rest of the contract.
BASIC LEVEL PREMIUMS
We show the amount and frequency of the basic level premium in the Optional
Schedule Of Level Premiums included in this rider. An increase or decrease in
the face amount will change the basic level premiums.
SCHEDULED LEVEL PREMIUMS
The scheduled level premiums are equal to the basic level premiums plus the
charge for applicable taxes. The scheduled level premiums will change if the
basic level premiums change or the charge for applicable taxes change. We show
the amount of the first scheduled level premium in the level premium schedule.
The scheduled level premium is the minimum premium required, at the
frequency chosen, to continue the contract in full force and to guarantee the
basic premium will not increase on the contract change date. This assumes you
pay all level scheduled premiums when due, you make no withdrawals, and any
contract debt does not exceed the cash value.
LEVEL PREMIUM ACCOUNT
On the contract date, the level premium account is equal to the invested
premium amount credited on that date, minus the basic level premium then due,
plus the charge for payment processing. On any other day, the level premium
account is equal to:
1. what it was on the prior day; plus
2. if the premium account was greater than zero on the prior day, interest
on the excess at 4% a year; minus
3. if the premium account was less than zero on the prior day, interest on
the deficit at 4% a year; plus
4. any invested premium amount credited on that day; minus
5. any basic level premium due on that day less the charge for payment
processing; minus
6. any withdrawals on that day.
On the contract change date, we will look at the level premium account
described above. If the level premium account is zero or greater, we will not
increase the basic premium from the amount shown in the schedule of level basic
premiums. We may charge less. If the level premium account is less than zero, we
will proceed as described under Contract Change Date(s).
If level scheduled premiums that are due are not paid, or if smaller
payments are made, the premium may increase on the contract change date.
Payment of the level scheduled premium is at your option. We will xxxx you
for the level scheduled premium if you ask us.
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This rider does not change the guarantees associated with the payment of
scheduled premiums as described under Premium Payment And Reinstatement.
Rider attached to and made a part of this contract on the Contract Date.
The Prudential Insurance Company of America,
By /s/ SPECIMEN
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Secretary
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