EXHIBIT 1.A.(13)(p)
[PRUDENTIAL LOGO]
Insured Rider for Policy No.
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VARIABLE REDUCED PAID-UP INSURANCE
This contract is no longer in force on a premium paying basis. It is being
kept in force as variable reduced paid-up insurance on the Insured's life, as we
state under Contract Value Options in the contract.
The new amount of insurance and its effective date are shown in the
attached Table of Values. Unless otherwise stated in the table, any contract
debt was deducted when we computed the net cash value that was used to provide
the reduced paid-up insurance.
The cash value of the variable reduced paid-up insurance will continue to
vary according to the investment results in the separate account. There is no
guaranteed minimum cash value under this option.
The death benefit under this option may change from day to day, but it will
never be less than the amount determined as of the day of default. The death
benefit will increase if investment results are in excess of the assumed rate or
mortality charges lower than the maximum rate. The death benefit will decrease
if investment results are less than the assumed rate, but it will not decrease
below the amount determined on the day of default.
As of the effective date shown in the table each of these items no longer
applies: (1) the Tabular Contract Fund Values and Tabular Cash Values shown on
page 4 in the contract; (2) any supplementary benefits or other extra benefits
that were made a part of the contract by rider or endorsement; and (3) any
provisions of the contract that do not apply to the reduced paid-up insurance.
If this contract is reinstated, the contract fund that applies upon
reinstatement is as we state under Premium Payment and Reinstatement. The cash
value and net cash value will be as we state under Contract Value Options.
The attached table shows values at the ends of contract years. If we need
to compute values at some time during a contract year, we will count the time
since the start of the year. We will let you know the values for other durations
if you ask for them.
Xxxxx attached to and made a part of this contract
The Prudential Insurance Company of America
By /s/ SPECIMEN
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Secretary
Date Attest
ORD 86329--88
II-201
