EXHIBIT 1.A.(13)(l)
Pruco Life Insurance Company of New Jersey
Insured Rider for Policy No.
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REDUCED PAID-UP INSURANCE
Premiums are no longer being paid on this contract. But it is being kept in
force as 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.
As of the effective date shown in the Table each of these items no longer
applies: (1) the 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; (3) any of the provisions of the contract that
apply to the varying of the insurance amount or cash value due to investment
results in the separate account; and (4) any provisions of the contract that do
not apply to the reduced paid-up insurance.
If this contract is reinstated, the net cash value that applies upon
reinstatement is: (a) the net cash value upon reinstatement computed as we state
in the contract under Premium Payment and Reinstatement, but computed as if no
loans had been taken or repaid and no loan interest had been paid while the
contract was in force as reduced paid-up insurance; minus (b) the excess of the
contract debt immediately after reinstatement over what the contract debt would
have been if no loans had been taken or repaid and no loan interest had been
paid while the contract was in force as reduced paid-up insurance.
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.
RIDER ATTACHED TO AND MADE A PART OF THIS CONTRACT
Pruco Life Insurance Company of New Jersey,
By /s/ SPECIMEN
Secretary
Date Attest
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PLY 18--82
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II-141
