Exhibit (4)(e)

                   PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY
                             [213 WASHINGTON STREET
                            NEWARK, NEW JERSEY 07102]

           HIGHEST ANNIVERSARY VALUE DEATH BENEFIT SCHEDULE SUPPLEMENT

ANNUITY NUMBER: [001-00001]

EFFECTIVE DATE OF THE HIGHEST ANNIVERSARY VALUE DEATH BENEFIT RIDER: [Issue Date
of the Annuity]

DUE PROOF OF DEATH PERIOD: [A period of [1 year], beginning on the decedent's
date of death.]

HIGHEST ANNIVERSARY VALUE COMPARISON DATES: [Each anniversary of the Issue Date
subsequent to the Effective Date]

DEATH BENEFIT TARGET DATE: [The Death Benefit Target Date is initially equal to
the later of:

     (1)  the anniversary of the Issue Date coinciding with or next following
          the date the oldest Owner, (the Annuitant, if the Annuity is
          entity-owned) reaches age [80]; and

     (2)  the [5th] anniversary of the Issue Date.

If there is a change of Owner(s) (Annuitant, if the Annuity is owned by an
entity) prior to the Death Benefit Target Date, the Death Benefit Target Date
will be recalculated using the age of the oldest Owner or Annuitant, once the
change is made. If there is a change of Owner(s) (Annuitant) on or after the
Death Benefit Target Date, there will be no change in the Death Benefit Target
Date.]

INSURANCE CHARGE FOR THE RIDER: [Assessed daily at the annualized rate of
[0.40]%]

P-SCH-HAV(2/10)-NY