Exhibit (4)(q)

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

                         BENEFICIARY ANNUITY ENDORSEMENT

This Beneficiary Annuity Endorsement ("Endorsement") is made a part of your
Annuity. For purposes of this Endorsement, certain provisions of your Annuity
are amended as described below. If the terms of the Annuity and those of this
Endorsement conflict the provisions of this Endorsement shall control. Except to
the extent modified by this Endorsement, the provisions of your Annuity remain
in effect. Capitalized terms used in this Endorsement that are not otherwise
defined in this Endorsement are defined in your Annuity.

This Endorsement amends your Annuity to allow a Beneficial Owner (defined below)
who receives a single payment of death proceeds from another annuity to allocate
such death proceeds in an Annuity issued by us, rather than receive those
proceeds in a lump sum. In doing so, the Beneficial Owner must take at least the
Required Distributions calculated over the life expectancy of the Key Life
(defined below) as required by law.

RIGHTS AND DESIGNATIONS

The following designations are subject to our rules and to various regulatory or
statutory requirements depending on the use of the Annuity. Certain designations
are required, as indicated below.

BENEFICIAL OWNER: The individual or trust that acquired an interest in the death
benefit proceeds, referenced above, as a result of the death of the Decedent
(defined below). We reserve the right to restrict the types of trusts that we
accept, based on our rules. The Beneficial Owner is the individual or trust
whose name follows the phrase "for the benefit of (FBO)" next to the
Owner/Participant designation in the Annuity Schedule. In this Endorsement, the
Beneficial Owner is also referred to as "you" or "your." We will accept only one
Beneficial Owner under this Annuity.

You may exercise the rights, options and privileges granted in this Endorsement
or permitted by us once this Endorsement is issued. This Endorsement and the
Annuity to which it is attached are maintained for the exclusive benefit of you
and any Successor. You may not sell, assign, discount or pledge this Annuity for
a loan, as security for performance of an obligation or for any other purpose to
any person. The requirements of this section shall not be deemed to preclude a
transfer to a spouse or former spouse under a divorce or separation instrument
to the extent permitted under applicable law.

DECEDENT: The person whose death triggered the payment of death proceeds of an
annuity from which you are entitled to death benefit proceeds. The Decedent is
the person whose name precedes the phrase "for the benefit of (FBO)" next to the
Owner/Participant designation in the Schedule of your Annuity.

KEY LIFE: The Key Life is the person whose life expectancy is used to determine
payments under this Endorsement. The Key Life may not be changed. You may not
name a contingent Key Life.

If the Beneficial Owner is an individual, the Key Life must be the Beneficial
Owner (unless the death proceeds establishing this Annuity are transferred from
another beneficiary annuity in which case the Key Life must be the same
individual on whose life Required Distributions were based under the prior
beneficiary annuity). If the Beneficial Owner is a trust other than a grantor
trust, the Key Life must be the oldest beneficiary designated under the trust
agreement. If the Beneficial Owner is a grantor trust, the grantor must be the
Key Life.

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SUCCESSOR: You may name one or more primary Successor(s) and contingent
Successor(s). Unless you indicated that a prior choice was irrevocable, you may
request to change Successor designations by sending a request in Good Order.
Such changes will be subject to our acceptance. If you make such a designation,
upon Due Proof of Death of the Beneficial Owner (or Key Life, if the Beneficial
Owner is a trust), proceeds are payable in equal shares to the survivors in the
primary Successor class, unless you request otherwise in Good Order.

Unless otherwise required by law, if the primary Successor(s) predeceases the
Beneficial Owner (or Key Life if the Beneficial Owner is a trust), the Death
Benefit proceeds will become payable to the survivors in the contingent
Successor class in equal shares, unless you request otherwise in Good Order.

If the Successor(s) dies after the death of the Beneficial Owner, the Death
Benefit proceeds will be payable to the Beneficiary's(ies') estate(s) upon our
receipt of Due Proof of Death of the Beneficial Owner (or Key Life if the
Beneficial Owner is a trust). If no Successor is alive when the Death Benefit
proceeds are determined or there is no Successor designation, the proceeds will
vest in your estate (or, if the Beneficial Owner is a trust, then the proceeds
will vest to the trust).

The term "Successor" may be substituted by the term "Beneficiary" or "Contingent
Beneficiary" in certain administrative forms and confirmation statements.

Upon our receipt in Good Order of Due Proof of Death of the Beneficial Owner (or
Key Life, if the Beneficial Owner is a trust), ownership rights to your Annuity
are terminated, and the Successor(s) is entitled to the Death Benefit payable
under this Annuity.

A Successor may elect to enter into a beneficiary settlement agreement we may
offer; however, any remaining payments must continue to be calculated on the
life expectancy of the Key Life. We reserve the right to issue one or more
additional beneficiary settlement agreements we make available to the
Successor(s) in order to facilitate the transfer of ownership rights. If we
issue one or more beneficiary settlement agreements to the Successor(s), the
Death Benefit, as described below in the provision entitled "Required
Distributions," will be transferred to each new beneficiary settlement agreement
in proportion to the Successor's ownership interest. Alternatively, the Death
Benefit may be paid in a lump sum.

If any Successor dies with the Beneficial Owner (or Key Life, if the Beneficial
Owner is a trust) in a common disaster, it must be proved to our satisfaction
that the Beneficial Owner (or Key Life, if the Beneficial Owner is a trust) died
first. Unless information provided indicates otherwise, the Annuity is treated
as though the Successor died first.

DEATH REPORT DATE: The Valuation Day coincident with or next following the day
on which we have received (1) due proof of death of the Beneficial Owner (or Key
Life, if the Beneficial Owner is a trust) and (2) a request in Good Order for an
election of a single sum payment or a beneficiary settlement agreement we may
make available.

PURCHASE PAYMENTS LIMITATION: All contributions must be received in the form of
a transfer of assets (i.e., 1035 exchange and as permitted under applicable
sections of the Internal Revenue Code). Each Annuity will be permitted to
receive exactly one Purchase Payment. There will be no consolidation of multiple
contributions on or after the Issue Date, and no additional Purchase Payments
can be made subsequent to the Issue Date.

In the event that a disbursing company issues a second check to represent
additional interest on the initial death proceeds, we may apply the proceeds to
the Annuity as an initial Purchase Payment, even if the funds are applied after
the Issue Date. However, we reserve the right to not accept any proceeds
received in our Service Office which interfere with our ability to begin
Required Distributions in compliance with applicable law.

INVESTMENT OPTIONS: The Investment Allocations and Transfer provisions of the
Annuity to which this Endorsement attaches are applicable to you as the
Beneficial Owner.

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REQUIRED DISTRIBUTIONS: You must begin payments within one year of the date of
death of the Decedent and the payments must be distributed over a period not to
exceed the life expectancy of the Key Life. Life expectancy is determined using
the Single Life Table in Table 1 of IRS Publication 590 ("Table 1"). The amount
distributed will be determined by taking the account value as of December 31 of
the prior calendar year, or other such value as required by law, and applying
one of the calculation methods described below.

     (a) For any Key Life who is not the spouse of the Decedent, and by default
     for any Key Life who is the spouse of the Decedent who does not elect the
     calculation method described in (b) below, the Required Distribution amount
     will be calculated using the factor associated with the life expectancy of
     the Key Life based on his or her attained age during the calendar year in
     which distributions are required to begin. Payments for any subsequent
     calendar year shall be calculated based on such life expectancy reduced by
     one for each calendar year which has elapsed since the calendar year life
     expectancy was first calculated.

     (b) If elected by you, for any Key Life who is the spouse of the Decedent,
     the Required Distribution amount is recalculated every year using the
     factor in Table 1 associated with the life expectancy of the Key Life based
     upon his or her current age.

We calculate the Required Distribution amount based solely on the value of your
Annuity. The amount we calculate will not be based on any other annuities,
savings or investments. You may elect to have the Required Distribution paid out
on a monthly, quarterly, semi-annual or annual basis through a program of
systematic withdrawals we make available. Required Distributions must be made in
intervals of no longer than one year. If you do not elect a specific payment
date, or if you elect a specified date that is either beyond the one-year
anniversary date of the death of the Decedent or the date of your next Required
Distribution, we will process payments in compliance with applicable law.

Unless we receive other instructions from you, we will take each Required
Distribution pro-rata from the Investment Options to which your Account Value is
allocated at the time of the distribution. Your selection may be subject to any
investment and/or withdrawal limitations applicable to any benefit or program in
which you participate under the Annuity. If the amount of the Required
Distribution reduces your Account Value below the Minimum Surrender Value After
a Partial Withdrawal, we may treat the distribution as a full surrender of the
Annuity,

No Contingent Deferred Sales Charge is assessed against amounts withdrawn as
part of a program designed to distribute Required Distributions over your life
expectancy (or, other applicable measuring life), but only to the extent of the
Required Distribution at the time it is taken and provided we have calculated
the Required Distribution amount. Contingent Deferred Sales Charges may apply to
additional amounts withdrawn. Any amounts withdrawn are considered to come first
from the amounts available as a free withdrawal and then from other Surrender
Value.

SURRENDER: Surrender of this Annuity is permitted. You must send your surrender
request in Good Order to our Service Office. The amount payable is the then
current Surrender Value.

ANNUITIZATION: Because you have established this Annuity as a Beneficiary
Annuity, you are not permitted to annuitize as described in your Annuity.
Therefore, pursuant to this Endorsement, all references to and provisions
related to annuitization in your Annuity are hereby deleted.

OWNER INFORMATION: The Owner agrees to provide the Issuer with all information
necessary to prepare any reports required by law, including but not limited to,
federal and state tax reporting and withholding laws.

SPOUSAL CONTINUATION: Pursuant to this Endorsement, any spousal continuation
provision of your Annuity is hereby deleted.

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                   PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY


                              /s/ Thomas C. Castano
                   ------------------------------------------
                                    Secretary

P-END-BENE(2/10)-NY

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