Pruco Life Insurance Company | Insured |Rider for Policy No. This contract is issued as a conversion from an earlier contract.

EXHIBIT 26(d)(xxviii)

Pruco Life Insurance Company

| Insured |Rider for Policy No.

| |

| |

|_____________________________________ |______________________________________

This contract is issued as a conversion from an earlier contract.

The period we state under Incontestability in this contract will start on the most recent date coverage of this Insured

began under the earlier(est) contract to which this one relates. But if any such earlier contract was reinstated after

that date but before the date of this contract, for each reinstatement we will have the right to use as a basis for a

contest of this contract the statements that were made to us at the time. The period during which we will have that right

will be the period we state under Incontestability in this contract; it will start on the date of the reinstatement.

The period we state under Suicide Exclusion in this contract will start on the date coverage of this Insured began under

the earlier(est) contract to which this one relates.

Xxxxx attached to and made a part of this contract

Pruco Life Insurance Company

By /s/ Xxxxxxxx X. Xxxxxxxx

Secretary

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PLI 85--82

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