0000828972-13-000016 Sample Contracts

Amendment #10 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account

The purpose of this amendment is to (i) change the premium mode from monthly to annual effective December 1, 2010, (ii) revise the ‘NOTICES’ section, (iii) change the reinsurance rates for new business for policies with policy effective dates of January 1, 2011 and later, and (iv) change the ‘AUTOMATIC PORTION RETAINED’ section. THE COMPANY and THE REINSURER have by their respective officers agreed to amend the above referenced agreement as set forth below with the amendment having the effective date of December 1, 2010.

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Amendment #8 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account

THE COMPANY and THE REINSURER have by their respective officers agreed to amend the above referenced agreement as set forth below with the amendment having the effective date of October 1, 2009.

Amendment #12 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account

The purpose of this amendment is to recapture a portion of the business covered under the Agreement. The portion being recaptured will be equal to 63% of the first $1 million, and 70% of any amounts in excess of $1 million for each MyLegacy, PruLife Universal (UL), PruLife Universal Plus, and PruLife SUL Plus policy with an effective date prior to January 1, 2011. As a result of this partial recapture, there is a settlement between THE COMPANY and THE REINSURER as described in #3 below. THE COMPANY and THE REINSURER have by their respective officers agreed to amend the above referenced agreement as set forth below with the amendment having the effective date of July 1, 2011.

Amendment #11 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account

The purpose of this amendment is to include PruTerm WorkLife 65 and revise Tables 10, 11, 12, and 13 to allow for Band 2 rates to also apply to policies under $100,000. THE COMPANY and THE REINSURER have by their respective officers agreed to amend the above referenced agreement as set forth below with the amendment having the effective date of January 1, 2011.

Amendment #9 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account

THE COMPANY and THE REINSURER have by their respective officers agreed to amend the above referenced agreement as set forth below with the amendment having the effective date of April 1, 2010.

Amendment #2 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account
Amendment #1 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account
Amendment #6 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account
Amendment #5 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account
Amendment #4 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account
Amendment #3 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account

The parties agree that THE COMPANY will recapture the reinsurance for PruLife Universal Protector (Form Number ULNT-2001 and all state variations), PruLife UL Protector 2003 (Form Number ULNT-2003 and all state variations), and PruLife SUL Protector (Form Number SULNT-2003 and all state variations) as of October 1, 2006. For PruLife Universal Protector, this includes both the mortality risk reinsurance and the death benefit guarantee reinsurance. (For PruLife UL Protector 2003 and PruLife SUL Protector, only the mortality risk was ceded to THE REINSURER under the Reinsurance Agreement.) To reflect this recapture, the parties hereby agree to the following changes in the Reinsurance Agreement:

Amendment #7 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account
Amendment #13 to the AUTOMATIC
Automatic Yearly Renewable Term Reinsurance Agreement • April 16th, 2013 • Pruco Life Variable Appreciable Account

The purpose of this amendment is to include PruLife Index Advantage UL. THE COMPANY and THE REINSURER have by their respective officers agreed to amend the above referenced agreement as set forth below with the amendment having the effective date of May 1, 2012.

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