Exhibit 99.13(E)
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ENDORSEMENTS
(Only we can endorse this contract.)
This endorsement modifies the Death Benefit Provisions
of the policy to which it is attached.
Type C Death Benefit This endorsement adds a Type C death benefit to the Type
A and Type B death benefits described in this contract
under Death Benefit Provisions. We show the type of
death benefit that applies to this contract under Type
of Death Benefit.
If this contract has a Type C death benefit, the death
benefit on any date is equal to the greater of: (1) the
basic insurance amount plus the total premiums paid
minus total withdrawals to this contract, and (2) the
contract fund before deduction of any monthly charges
due on that date, multiplied by the attained age factor
that applies. For the purpose of determining the Type C
death benefit, the total premiums paid will not include
any charge to reinstate this contract as described under
Reinstatement.
For the purpose of computing the death benefit, if the
contract fund is less than zero we will consider it to
be zero. Your basic insurance amount and attained age
factors are shown in the contract data pages.
Changing To or From When changing to or from a Type C death
Type C Death Benefit benefit, we will not add any charge to reinstate to the
total premiums paid on this contract.
Type A to C If you are changing from a Type A to a Type C death
benefit, we will change the basic insurance amount by
subtracting the total premiums paid on this contract
minus total withdrawals on the date the change takes
effect.
Type B to C If you are changing from a Type B to a Type C death
benefit, we first find the difference between (1) the
contract fund and (2) the total premiums paid on this
contract minus total withdrawals, determined on the date
the change takes effect. If (1) is larger than (2), we
will increase the basic insurance amount by that
difference. If (2) is larger than (1), we will reduce
the basic insurance amount by that difference.
Type C to A If you are changing from a Type C to a Type A death
benefit, we will change the basic insurance amount by
adding the total premiums paid minus total withdrawals
to this contract on the date the change takes effect.
Type C to B If you are changing from a Type C to a Type B death
benefit, we first find the difference between (1) the
contract fund and (2) the total premiums paid minus
total withdrawals to this contract on the date the
change takes effect. If (2) is larger than (1), we will
increase the basic insurance amount by that difference.
If (1) is larger than (2), we will reduce the basic
insurance amount by that difference.
If the change in the type of death benefit results in a
reduction in the basic insurance amount, the basic
insurance amount after the decrease must be at least
equal to the minimum basic insurance amount, which we
show under Contract Limitations in the contract data
pages. We may also deduct a surrender charge and
administrative charge as described in the Change In
Basic Insurance Amount provision.
A change in the type of death benefit will take effect
only if we approve your request at our Home Office. If
we approve the change, we will recompute the contract's
charges, values and limitations shown in the contract
data pages. The change will take effect on the monthly
date that coincides with or next follows the date we
approve your request. We will send you new contract data
pages showing the amount and effective date of the
change in basic insurance amount and the recomputed
charges, values and limitations.
Your request for a change must be in a form that meets
our needs. We may require you to send us this contract
before we make the change.
Pruco Life Insurance Company of New Jersey,
By /s/ Xxxxxxxx X. Xxxxxx
Secretary
