Exhibit 1.A.(13)(b) OPTION TO EXCHANGE FOR SEPARATE CONTRACTS Right to Exchange While both Insureds are living and neither has reached his or her 75th birthday, you may exchange this contract for two new contracts of life insurance, one on the life of...Option to Exchange for Separate Contracts • April 14th, 2000 • Pruco Life of New Jersey Variable Appreciable Account
Right to Exchange While both Insureds are living and neither has reached his or her 75th birthday, you may exchange this contract for two new contracts of life insurance, one on the life of each Insured, if the unlimited marital deduction allowed under Internal Revenue Code Section 2056 is no longer available to the Insureds.
