Exhibit (4)(b)

                  PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY
                            [213 Washington Street
                           Newark, New Jersey 07102]

                LIFETIME INCOME WITH DEATH BENEFIT v[2.0] RIDER

This Rider is made a part of your Annuity. For purposes of this Rider, certain
provisions of your Annuity are amended as described below. If the terms of the
Annuity and those of this Rider conflict, the provisions of this Rider shall
control. Should this Rider terminate, any amended or replaced Annuity
provisions based on this Rider's terms will revert to the provisions in the
Annuity, except as may be provided below.

General: This Rider makes provision for guaranteed minimum payments for the
lifetime of a Single Designated Life/Spousal Designated Lives/Remaining
Designated Life (described below). Generally, if your Account Value is reduced
to zero and you meet certain requirements, we pay a remaining value, as
described in the "Guarantee Payments" section. This Rider also makes provision
for a minimum death benefit payable upon the death of a Single Designated Life
or the Remaining Designated Life.

Effective Date: The Effective Date of this Rider is shown in the Lifetime
Income with Death Benefit v[2.0] Schedule Supplement ("the Schedule
Supplement").

Definitions: For purposes of this Rider, the following definitions apply:

   Adjusted Purchase Payments: Purchase Payments we receive, decreased by any
   fees or Tax Charges deducted from such Purchase Payments upon allocation to
   the Annuity.

   Designated Life/Lives: The natural person(s) who is the measuring life/lives
   for the benefits described in this Rider and who is the person(s) shown in
   the Schedule Supplement or in our records.

   First Death: The death of the first of the Spousal Designated Lives to die.

   Lifetime Withdrawal: Any Withdrawal taken under the terms of this Rider that
   is not designated by you as a Non-Lifetime Withdrawal. Once you have taken
   your first Lifetime Withdrawal from the Annuity, all further Withdrawals
   will be deemed to be Lifetime Withdrawals.

   Non-Lifetime Withdrawal: A Withdrawal elected and designated as such by you.

   Withdrawal(s): Withdrawals of any type (including partial withdrawals)
   before the application of any applicable Contingent Deferred Sales Charge or
   other charge applicable upon a Withdrawal.

Other capitalized terms in this Rider are either defined in this Rider or in
the Annuity.

Owner, Annuitant and Beneficiary Designations: For purposes of this Rider, the
designations under your Annuity must be as follows:

For a Single Designated Life:

   If the Owner is a natural person, the Owner must also be the Annuitant and
   the Single Designated Life. If the Owner is an entity that we permit, the
   Annuitant must be the Single Designated Life. You may not name multiple
   Owners if a Single Designated Life is listed in the Schedule Supplement.

For Spousal Designated Lives:

   Such persons must be each other's spouse on the Effective Date and at the
   First Death. If the Owner is a natural person, he/she must be the Annuitant,
   and one of the Spousal Designated Lives. The sole primary Beneficiary must
   be the other Spousal Designated Life for as long as the first Spousal
   Designated Life Owner is alive. If two Owners are named, each must be a
   Spousal Designated Life. No additional Owners may be named. While both
   Spousal Designated Lives

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   are alive, each Owner must be designated as the other Owner's primary
   Beneficiary. If the Owner is an entity that we permit, the Annuitant must be
   a Spousal Designated Life, and the Annuitant's spouse must be the other
   Spousal Designated Life. This benefit cannot be utilized when the Owner is
   an entity unless we allow for the continuation of the Annuity and this Rider
   by the Remaining Designated Life after the First Death.

For a Remaining Designated Life:

   Such person must be a natural person and must have been listed as one of the
   Spousal Designated Lives on the Effective Date. A Spousal Designated Life
   will become the Remaining Designated Life on the earlier of the First Death,
   or divorce from the other Spousal Designated Life while this Rider is in
   effect. In the event of the divorce of the Spousal Designated Lives, and the
   resulting removal of one of the Spousal Designated Lives as an Owner,
   Annuitant, Contingent Annuitant or Beneficiary under the Annuity, the other
   Spousal Designated Life will become the Remaining Designated Life under this
   Rider if we receive notice of the divorce, and any other documentation we
   require, in Good Order, at our Service Office. Any new Beneficiary(ies)
   named by the Remaining Designated Life will not be a Spousal Designated Life.

While this Rider is in effect, a change in the Single Designated Life, Spousal
Designated Lives, or Remaining Designated Life will cause this Rider to
terminate, as described in the "Termination of Benefits" section. As a result,
your ability to make changes to Owner/Annuitant designations may be restricted.
You may name a new Beneficiary(ies), subject to the other limitations on
Beneficiary designations noted above with respect to Spousal Designated Lives
and a Remaining Designated Life. However, such new Beneficiary(ies) will not be
a Spousal Designated Life, and would therefore result in the Rider terminating
at the death of the Remaining Designated Life.

Please note that you have the spousal version of this Rider only if there are
Spousal Designated Lives listed on the Schedule Supplement.

                           Guaranteed Income Amount

We guarantee that, subject to the limits and conditions outlined in this Rider,
each Annuity Year you may take an income amount ("Guaranteed Income Amount") as
one or multiple Lifetime Withdrawals.

The initial Guaranteed Income Amount is determined on the Effective Date. It is
determined by applying the applicable Income Percentage shown in the Schedule
Supplement to the Account Value on the Effective Date. The applicable Income
Percentage is based on the attained age of the Single Designated Life, or the
younger of the Spousal Designated Lives, on the Effective Date.

On each Valuation Day thereafter, until the earlier of the date the Income
Growth Cap (shown in the Schedule Supplement) is reached, or the date of the
first Lifetime Withdrawal, the Guaranteed Income Amount is equal to:

   .   the Guaranteed Income Amount on the immediately preceding Valuation Day
       (the "Prior Valuation Day"), appreciated at the daily equivalent of the
       Income Growth Rate shown in the Schedule Supplement for each calendar
       day between the Prior Valuation Day and the Current Valuation Day, and

   .   reduced for Non-Lifetime Withdrawals and increased for Adjusted Purchase
       Payments made on the Current Valuation Day, as described in the "Impact
       of Non-Lifetime Withdrawals" and "Additional Purchase Payment(s)"
       sections below.

If you have not made a Lifetime Withdrawal on or before the date the Income
Growth Cap is reached, we will continue to calculate the Guaranteed Income
Amount. On each Valuation Day after the Income Growth Cap is reached, until you
make a Lifetime Withdrawal, the Guaranteed Income Amount is equal to the
Guaranteed Income Amount on the Prior Valuation Day, reduced for Non-Lifetime
Withdrawals and increased for Adjusted Purchase Payments made on the Current
Valuation Day, as described in the "Impact of Non-Lifetime Withdrawals" and
"Additional Purchase Payment(s)" sections below.

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Once you have made the first Lifetime Withdrawal in any Annuity Year, the
remaining Guaranteed Income Amount for that Annuity Year is reduced for
Lifetime Withdrawals and increased for Adjusted Purchase Payments as described
in the "Impact of Lifetime Withdrawals" and "Additional Purchase Payment(s)"
sections below.

Impact of Non-Lifetime Withdrawals: Non-Lifetime Withdrawals, including any
Required Minimum Distribution amount you designate as a Non-Lifetime
Withdrawal, proportionally reduce the Guaranteed Income Amount by the ratio of
the Non-Lifetime Withdrawal amount to the Account Value immediately prior to
the Non-Lifetime Withdrawal. Non-Lifetime Withdrawals, excluding any Required
Minimum Distribution Amount you designate as a Non-Lifetime Withdrawal, are
subject to any applicable Contingent Deferred Sales Charge. Non-Lifetime
Withdrawals are subject to the Minimum Surrender Value After a Partial
Withdrawal shown in the Annuity Schedule.

Impact of Lifetime Withdrawals: Lifetime Withdrawals reduce the remaining
Guaranteed Income Amount available during an Annuity Year by the amount of the
Withdrawal. Lifetime Withdrawals in an Annuity Year that, in total, do not
exceed the Guaranteed Income Amount for that Annuity Year do not reduce the
Guaranteed Income Amount in subsequent Annuity Years. All or any portion of a
Lifetime Withdrawal that exceeds the Guaranteed Income Amount for that Annuity
Year is considered Excess Income. Each Withdrawal of Excess Income
proportionally reduces the Guaranteed Income Amount available for future
Annuity Years. Each proportional reduction is calculated by multiplying the
Guaranteed Income Amount by the ratio of the Excess Income to the Account Value
immediately subsequent to the Withdrawal of any Guaranteed Income Amount and
prior to the Withdrawal of the Excess Income (even if both Withdrawals occurred
in the same day or as one Withdrawal request).

Lifetime Withdrawals in an Annuity Year that, in total, do not exceed the
Guaranteed Income Amount are not subject to Contingent Deferred Sales Charges.
Such Lifetime Withdrawals are not treated as Withdrawals of Purchase Payments.
Each Withdrawal of Excess Income is subject to any applicable Contingent
Deferred Sales Charge. Lifetime Withdrawals that are not Excess Income are not
subject to the Minimum Surrender Value After a Partial Withdrawal shown in the
Annuity Schedule.

Withdrawal Flexibility: Lifetime Withdrawals are not required. However, once
you take the first Lifetime Withdrawal, the Guaranteed Income Amount is not
increased in subsequent Annuity Years if you decide not to take a Lifetime
Withdrawal in an Annuity Year or take Lifetime Withdrawals in an Annuity Year
that, in total, are less than the Guaranteed Income Amount.

Additional Purchase Payment(s): Before your Account Value is reduced to zero,
you may make additional Purchase Payments, subject to the following "Purchase
Payment(s) Limitation" section. We will not accept additional Purchase Payments
once the Account Value reaches zero.

The Guaranteed Income Amount is increased by an amount obtained by multiplying
the Adjusted Purchase Payment by the applicable Income Percentage shown in the
Schedule Supplement. The applicable Income Percentage is based on the attained
age of the Single Designated Life, or the younger of the Spousal Designated
Lives, on the date the Adjusted Purchase Payment is allocated to the Annuity.
If this Rider has been issued on a Spousal Designated Lives basis, and one of
the Spousal Designated Lives becomes the Remaining Designated Life, we will
continue to use the date of birth of the younger of the Spousal Designated
Lives for purposes of determining the applicable Income Percentage.

Purchase Payment(s) Limitation: While this Rider is in effect, we may limit,
restrict, suspend or reject any additional Purchase Payments at any time, on a
non-discriminatory basis. Circumstances where we may limit, restrict, suspend
or reject additional Purchase Payments include, but are not limited to, the
following:

   .   if we determine that, as a result of the timing and amounts of your
       additional Purchase Payments and Withdrawals, the Guaranteed Income
       Amount is being increased in an unintended fashion. Among the factors we
       will use in making a determination as to whether an action is designed
       to increase the Guaranteed Income Amount in an unintended fashion is the
       relative size of additional Purchase Payment(s);

   .   if we are not then offering this benefit for new issues; or

   .   if we are offering a modified version of this benefit for new issues.

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We will exercise such reservation of right for all annuity purchasers in the
same class of annuity, in a non-discriminatory manner.

Required Minimum Distributions: Unless designated as a Non-Lifetime Withdrawal,
a Required Minimum Distribution is considered a Lifetime Withdrawal from the
Annuity. The following rules apply to determine if any portion of a Required
Minimum Distribution amount will be treated as Excess Income.

For purposes of this provision, in relation to any Annuity Year, the "Second
Calendar Year" is the calendar year following the calendar year in which the
Annuity Year began.

In general, Withdrawals made from the Annuity during an Annuity Year to meet
the Required Minimum Distribution provisions of the Code will not be treated as
Excess Income. However, if in any Annuity Year, you take a Lifetime Withdrawal
in the Second Calendar Year, then the amount which will not be treated as
Excess Income is the sum of:

    (1)the remaining Guaranteed Income Amount for that Annuity Year, and

    (2)the Second Calendar Year's remaining Required Minimum Distribution
       amount less the Guaranteed Income Amount. If the Guaranteed Income
       Amount is greater than the Second Calendar Year's remaining Required
       Minimum Distribution amount, then (2) shall be equal to zero.

Any remaining Required Minimum Distribution amount for the Second Calendar Year
can be taken in the following Annuity Year.

If, in any Annuity Year, your Required Minimum Distribution amount is not
greater than the Guaranteed Income Amount, any Withdrawals in excess of the
Guaranteed Income Amount will be treated as Excess Income.

For purposes of this provision, Required Minimum Distributions are determined
based on the value of this Annuity, and do not include the value of any other
annuities, savings or investments subject to the Required Minimum Distribution
rules. In any year in which the requirement to take Required Minimum
Distributions is suspended by law, we reserve the right, regardless of any
position taken on this issue in a prior year, to treat any amount that would
have been considered as a Required Minimum Distribution if not for the
suspension as eligible for treatment under this provision.

                              Guarantee Payments

Once your Account Value is reduced to zero, we subsequently make Guarantee
Payments, as long as any Excess Income has not reduced the Guaranteed Income
Amount to zero, until the death of the Single Designated Life, the simultaneous
deaths of both Spousal Designated Lives, or the death of the Remaining
Designated Life, as applicable. In the Annuity Year in which your Account Value
is reduced to zero, the only Guarantee Payment due, if any, equals the
Guaranteed Income Amount not yet withdrawn in that Annuity Year. In subsequent
Annuity Years, the Guarantee Payment equals the Guaranteed Income Amount in
effect as of the date the Account Value was reduced to zero.

Unless you request an alternate mode of payment we make available, we make such
Guarantee Payments once each Annuity Year.

We will commute any Guarantee Payments due and pay you a lump sum if the total
Guarantee Payment due each Annuity Year is less than the Minimum Guarantee
Payment amount shown in the Schedule Supplement. We commute the Guarantee
Payments in a manner equivalent to commuting payments for:

   .   a joint life and last survivor fixed annuity when both Spousal
       Designated Lives are living and each other's spouse when Guarantee
       Payments would otherwise begin, or

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   .   a single life fixed annuity if there is a Remaining Designated Life when
       Guarantee Payments would otherwise begin, or if this Rider was issued
       with a Single Designated Life.

We use the same basis that is used to calculate the guaranteed annuity rates in
the Annuity.

Guarantee Payments end on the date of death of the Single Designated Life or
the Remaining Designated Life.

                               Annuity Payments

If annuity payments are to begin under the terms of the Annuity, you can elect
to either:

    (1)apply your Account Value, less any applicable Tax Charges, to any
       annuity payment option available in the "Annuity Payout Options" section
       of the Annuity; or

    (2)request that, as of the date annuity payments are to begin, we make
       annuity payments each Annuity Year equal to the Guaranteed Income Amount
       on that date. We will continue to make such payments until the death of
       the Single Designated Life or the Remaining Designated Life. If this
       option is elected, the Guaranteed Income Amount will not increase after
       annuity payments have begun.

We must receive your request at our Service Office in Good Order. If annuity
payments are to begin under the terms of the Annuity and you have not made an
election, we will make annual annuity payments as:

   .   a joint life and last survivor fixed annuity when both Spousal
       Designated Lives are living and each other's spouse on the date annual
       annuity payments begin, or

   .   as a single life fixed annuity if there is a Remaining Designated Life
       under this Rider on the date annual annuity payments begin, or this
       Rider was issued with a Single Designated Life,

each with ten payments certain (or a lesser number of payments certain if the
life expectancy of the Annuitant at the time payments are to begin is less than
10 years, based on applicable Internal Revenue Service tables) using the same
basis that is used to calculate the greater of the annuity rates then currently
available or the annuity rates guaranteed in the Annuity.

The amount that will be applied to provide such annuity payments under the
default annuity payment option will be the greater of:

    (1)the present value of future Guaranteed Income Amount payments. Such
       present value will be calculated using the same basis that is used to
       calculate the greater of the current and the guaranteed annuity rates in
       the Annuity; and

    (2)the Account Value.

Once we receive your election to commence annuity payments, or we make the
first payment under a default annuity payment option provision, we will only
make annuity payments guaranteed under the specific annuity payment option, and
the annuity payment option cannot be changed.

We may limit the length of any annuity payout option including, but not limited
to, any default option and any period certain, to conform to applicable tax law
and to satisfy the Required Minimum Distribution rules.

Once annuity payments begin under the terms of the Annuity or this Rider, the
Death Benefit feature described below will terminate.

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                                 Death Benefit

While this Rider is in effect, and until Guarantee Payments or annuity payments
have begun, a Death Benefit is payable upon the death of the Single Designated
Life or the Remaining Designated Life as follows:

   .   If a Single Designated Life is listed in the Schedule Supplement, a
       Death Benefit will be payable when we receive Due Proof of Death of the
       Single Designated Life.

   .   If Spousal Designated Lives are listed in the Schedule Supplement, a
       Death Benefit is payable when we receive Due Proof of Death of the
       Remaining Designated Life.

While this Rider is in effect, if we receive Due Proof of Death during the Due
Proof of Death Period shown in the Schedule Supplement, the Death Benefit
payable is the greater of: (i) the Basic Death Benefit described in the "Death
Benefit" section of the Annuity, or (ii) the Return of Adjusted Purchase
Payments Amount described below.

If we do not receive Due Proof of Death within the Due Proof of Death Period,
the Death Benefit is the Basic Death Benefit described in the Annuity. We
reserve the right to waive or extend, on a non-discriminatory basis, our right
to enforce the Due Proof of Death Period. This right will only apply for
purposes of determining the amount payable as a Death Benefit, and in no way
restricts when a claim may be filed.

Return of Adjusted Purchase Payments Amount: Initially, this is an amount equal
to the Account Value on the Effective Date. Thereafter, on each Valuation Day,
up to and including the date we receive Due Proof of Death of the Single
Designated Life or the Remaining Designated Life, as applicable, the Return of
Adjusted Purchase Payments Amount is increased by the amount of any additional
Adjusted Purchase Payments allocated to the Annuity on that day, and reduced
for any Withdrawal(s) made on that day, as follows:

   .   Non-Lifetime Withdrawals proportionally reduce the Return of Adjusted
       Purchase Payments Amount by the ratio of the Non-Lifetime Withdrawal
       amount to the Account Value immediately prior to the Non-Lifetime
       Withdrawal.

   .   Lifetime Withdrawals that are not considered Excess Income (as described
       in this Rider) reduce the Return of Adjusted Purchase Payments Amount by
       the amount of the Withdrawal.

   .   All or a portion of a Lifetime Withdrawal that is considered Excess
       Income proportionally reduces the Return of Adjusted Purchase Payments
       Amount by the ratio of the Excess Income to the Account Value
       immediately prior to the Withdrawal of the Excess Income.

Spousal Continuation: If this Rider is issued with a Single Designated Life or
with Spousal Designated Lives, and a spouse who is not the Remaining Designated
Life elects to continue the Annuity, the "Spousal Continuation" provision of
the Annuity is supplemented as follows:

   Upon Spousal Continuation, the Account Value is increased, if necessary, to
   equal the greater of: (1) the Basic Death Benefit described in the Annuity,
   or (2) the Return of Adjusted Purchase Payments Amount. Benefits pursuant to
   this Rider will terminate.

   Any increase to the Account Value resulting from such adjustment will be
   allocated on a pro-rata basis to the Sub-account(s) to which your Account
   Value is then allocated, excluding any Sub-account(s) to which you are not
   permitted to electively allocate or transfer Account Value.

Other Death Benefit Provisions: All other provisions applicable to the Death
Benefit described in your Annuity continue to apply, unless specifically
indicated in this Rider.

The Death Benefit described in this Rider is available only if this Rider is in
effect, and until Guarantee Payments or annuity payments begin under the terms
of this Rider or the Annuity.

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Once Guarantee Payments or annuity payments begin, the Death Benefit feature of
this Rider will terminate.

                   General Provisions Relating to this Rider

Misstatement of Age or Sex: For purposes of this Rider, the following sentence
is added to the "Misstatement of Age or Sex" section of the Annuity:

   If there has been a misstatement of the age and/or sex of a Single
   Designated Life or Spousal Designated Life upon whose life the guarantees
   under this Rider are based, we make adjustments to any charges, availability
   and any benefits payable under this Rider to conform to the facts.

Minimum Surrender Value: Any provision in the Annuity requiring there be a
minimum Surrender Value or Account Value as of the date of any Lifetime
Withdrawal is waived while this Rider is in effect.

Investment Requirements: While this Rider is in effect, your entire Account
Value must be allocated to only the Sub-account(s) we permit. If, subsequent to
the Effective Date, we change our requirements as to how Account Value must be
allocated, the new requirements will apply to new issues of the benefit. We
will not require you to re-allocate your Account Value in accordance with our
newly-adopted investment requirements. The Annuity Schedule contains a listing
of the investment requirements and Sub-account(s) available for allocation of
Account Value as of the Effective Date. Any changes in the investment
requirements or available Sub-account(s) will first be approved by the
Superintendent of the Department of Financial Services.

Withdrawals: Any Withdrawal(s) from the Annuity while this Rider is in effect
will be taken on a pro-rata basis from the Sub-account(s) to which your Account
Value is then allocated.

Charge for the Rider: The charge for this Rider depends on whether you have
named a Single Designated Life or Spousal Designated Lives. The charge is
applied against the daily total value of each Sub-account to which your Account
Value is then allocated. The charge is assessed each day at the daily
equivalent of the applicable rate. On the Effective Date, the applicable rate
is as shown in the Schedule Supplement. The charge is included in the
calculation of the Net Investment Factor of the Annuity to which this Rider is
attached.

We may adjust the charge for the Rider at any time on or after the Earliest
Charge Change Date. Any increased charge will not exceed the Maximum Charge for
the Rider. The Earliest Charge Change Date and the Maximum Charge for the Rider
are shown in the Schedule Supplement.

We will notify you in writing in advance of an increase in the charge for the
Rider. You will have the option of refusing the charge increase. If you refuse
the charge increase, the charge for the Rider will continue at the present rate
while this Rider is in effect. However, your Guaranteed Income Amount will be
permanently reduced by 5% on the next anniversary of the Effective Date.

If you wish to opt out of the charge increase, you must notify us within the
time period stated in our notice to you; otherwise the charge increase will
become effective. When we receive your opt-out request, we will send you a form
confirming the estimated dollar amount of the 5% Guaranteed Income Amount
reduction. If you still wish us to process your opt-out request, you must sign
and return the form to us at our Service Office in Good Order.

If we process your opt-out request, we will reduce your Guaranteed Income
Amount by 5% on the next anniversary of the Effective Date.

If you have not yet made the first Lifetime Withdrawal on the date we process
your opt-out request, then on each Valuation Day until you make the first
Lifetime Withdrawal, your Guaranteed Income Amount (taking into account the
opt-out reduction described in the preceding paragraph) will continue to:
(a) appreciate at the daily equivalent of the Income Growth Rate until the date
the Income Growth Cap is reached, and (b) reduce for Non-Lifetime Withdrawals
and increase for Adjusted Purchase Payments, if permitted, as described in the
"Guaranteed Income Amount" section of the Rider.

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If you made the first Lifetime Withdrawal prior to the date we process your
opt-out request, then on each Valuation Day, your Guaranteed Income Amount
(taking into account the opt-out reduction described above) will continue to
reduce for Lifetime Withdrawals and increase for Adjusted Purchase Payments, if
permitted, as described in the "Guaranteed Income Amount" section of the Rider.

We cease to deduct a charge for the Rider after it terminates in accordance
with the "Termination of Benefits" section below.

Facility of Payment: We reserve the right, in settlement of full liability, to
make Guarantee Payments to a guardian, relative, or other person deemed
eligible by us if a Designated Life payee is deemed to be legally incompetent,
as permitted by law.

Proof of Survival: Any Guarantee Payment is subject to evidence we receive in
Good Order that the Single Designated Life, at least one of the Spousal
Designated Lives, or the Remaining Designated Life is then alive. We may
withhold such Guarantee Payments until we receive such evidence or evidence
satisfactory to us of the life of the Single Designated Life, at least one of
the Spousal Designated Lives or the Remaining Designated Life. We credit
interest on such withheld Guarantee Payments at the rate required by law.
Should we subsequently determine withheld Guarantee Payments are payable, we
will pay the withheld Guarantee Payments and any applicable interest credited
in a lump sum.

Recovery of Excess Guarantee Payments: We may recover from you or your estate
any Guarantee Payments made after the death of the Single Designated Life or
the Remaining Designated Life.

Termination of Benefits: You may not elect to terminate this Rider. Benefits
pursuant to this Rider will terminate upon the first to occur of the following
events:

    (1)the date we receive your request for full surrender of the Annuity;

    (2)the date of receipt of Due Proof of Death of the First Death who is an
       Owner (or who is the Annuitant, if the Annuity is entity-owned), if the
       Remaining Designated Life elects not to continue the Annuity;

    (3)the date of receipt of Due Proof of Death of the Owner (or the
       Annuitant, if the Annuity is entity-owned) if the surviving spouse is
       not eligible to continue the benefit because such spouse is not a
       Spousal Designated Life and there is any Account Value on the date of
       death;

    (4)the date of receipt of Due Proof of Death of the Single Designated Life
       or the Remaining Designated Life if a Death Benefit is payable under the
       Death Benefit provisions of this Rider;

    (5)the date of death of the Single Designated Life or the Remaining
       Designated Life when Account Value is reduced to zero as of the date of
       death;

    (6)if there is any Account Value on the Annuity Date, or if earlier, the
       date we transfer all Account Value in order to begin annuity payments;

    (7)each of the Account Value and the Guaranteed Income Amount is zero;

    (8)we process a request to change any designation of the Annuity that
       either results in a violation of the "Owner, Annuitant and Beneficiary
       Designations" section of this Rider or the Annuity, or if we do not then
       consent, on a non-discriminatory basis, to continue the Rider; and

    (9)the date you first allocate or transfer any portion of your Account
       Value to any Sub-account(s) to which you are not permitted to electively
       allocate or transfer Account Value.

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                  PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

                                     LOGO
                     [__________________________________]
                                  Secretary

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