Exhibit 99.13(B)
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RIDER FOR FLEXIBLE TERM INSURANCE BENEFIT
ON LIFE OF INSURED
This rider is a part of this contract only if it is
listed on a contract data page.
Rider Death Benefit We will pay an amount under this benefit if we receive
due proof that the Insured died; (1) in the term period
for this benefit; and (2) while this contract is in
force and not in default past the last day of the grace
period. The term period starts on the contract date. The
term period ends on the contract anniversary on or after
the Insured's one hundredth birthday. Our payment is
subject to all the provisions of the benefit and of the
rest of the contract.
To determine the rider death benefit on any date, we
first take the effective Target Coverage Amount shown in
the Life Insurance on the Insured section of the
contract data pages and subtract from it the death
benefit as calculated in the Death Benefit provision. If
this contract has a Type A death benefit (see Type of
Death Benefit in the contract data pages), the
resultant amount is the rider death benefit. If this
contract has a Type B death benefit, the rider death
benefit is the resultant amount plus the contract fund
before deduction of any monthly charges due on that
date. If this contract has a Type C death benefit, the
rider death benefit is the resultant amount plus the
total premiums paid minus total withdrawals to this
contract. The total premiums paid will not include any
charge to reinstate this contract as described under
Reinstatement.
If the rider death benefit is less than zero, we
consider it to be zero.
Rider Charges On each monthly date, we will deduct a charge for this
rider from the contract fund. To determine the maximum
charge for this rider, we use the following method:
We determine the maximum cost of insurance rate for each
currently effective rider coverage segment amount shown
in the Segment Table in the contract data pages using
the maximum monthly rate shown under the Table of
Maximum Monthly Insurance Rates for the appropriate
rating class. If there is only one rider coverage
segment amount currently in effect, we multiply the rate
by the rider death benefit amount divided by $1000.
If there are two or more rider coverage segment amounts
currently in effect, we first allocate the rider death
benefit amount to each rider coverage segment based on
the proportion of its rider coverage amount to the total
of all rider coverage amounts currently in effect. We
multiply the rate by the apportioned rider death benefit
amount for each rider segment component amount divided
by $1000 and add the results.
We will also deduct a monthly administrative charge for
this rider as shown under Adjustments to the Contract
Fund.
No separate policy values are generated by this rider.
This rider may, however, have an impact on the values of
the policy to which it is attached.
Requested Changes in You may change the Rider Coverage Amount,
Rider Coverage while this rider is in force, subject to our approval
Amount and the following conditions:
1. You must ask for the change in a form that meets
our needs.
2. The change must be one permitted by our current
underwriting rules.
3. The amount of an increase or decrease must be at
least equal to the minimum increase or decrease in
the Rider Coverage Amount shown under Contract
Limitations in the contract data pages
4. The Rider Coverage Amount after a decrease must be
at least equal to the minimum Rider Coverage Amount
shown under Contract Limitations in the contract
data pages.
5. If we ask you to do so, you must send us the
contract to be endorsed.
6. You must prove to us that the Insured is insurable
for any increase.
7. The contract must not be in default.
8. We may deny an increase if it would cause the
number of segments shown in the Segment Table in
the contract data pages to exceed ninety-nine.
A change will take effect only if we approve your
request for it at our Home Office. Unless you ask us
otherwise, the change will take effect on the monthly
date immediately following the date we approve the
change. You may request an earlier date, but it may not
be more than 90 days prior to the date of request. If we
approve the change, we will also recompute the
contract's charges, values and limitations. We will send
you new contract data pages showing the amount and
effective date of the change and the recomputed charges,
values and limitations. If the Insured is not living on
the effective date, the change will not take effect. We
may deduct the administrative charge (shown under
Adjustments to the Contract Fund) for the change.
Suicide The Suicide Exclusion provision of the contract applies
to this rider as issued.
If the Insured dies by suicide after two years from the
issue date but within two years of the effective date of
an increase in the Rider Coverage Amount, we will pay,
as to the increase in the Rider Coverage Amount, no more
than the sum of the premiums paid on and after the
effective date of the increase.
Termination This rider will end on the earliest of:
1. the end of its term period;
2. the end of the grace period if the contract is in
default and the premium required to bring it out of
default has not been paid;
3. the date the contract is surrendered for its net
cash value if it has one; and
4. the date the contract ends for any other reason.
This Supplementary Benefit rider attached to this
contract on the Contract Date
Pruco Life Insurance Company of New Jersey,
By /s/ Xxxxxxxx X. Xxxxxx
Secretary
