Exhibit 99.(H)(10)(I)

                      AMENDMENT TO PARTICIPATION AGREEMENT


         THIS AMENDMENT, made and entered into as of this 10th day of April,
2001, by and among THE GUARDIAN INSURANCE & ANNUITY COMPANY, INC. (hereinafter
"GIAC"), a Delaware life insurance company, on its own behalf and on behalf of
its SEPARATE ACCOUNTS which issue variable life insurance policies and/or
variable annuity contracts (the "Accounts"); THE PRUDENTIAL SERIES FUND, INC.,
an open-end management investment company organized under the laws of Maryland
(hereinafter the "Fund"); THE PRUDENTIAL INVESTMENT FUND MANAGEMENT LLC
(hereinafter the "Adviser"), a New York limited liability company; and
PRUDENTIAL INVESTMENT MANAGEMENT SERVICES LLC (hereinafter the "Distributor"), a
Delaware limited liability company.

         WHEREAS, GIAC, the Fund, The Prudential Insurance Company of America as
the Adviser, and the Distributor entered into a Participation Agreement dated as
of the 1st day of September, 2000 (the "Participation Agreement"), whereby
Separate Account F expressed its intention to purchase shares of a certain
series of the Fund, defined as the Designated Portfolio in the Participation
Agreement; and
         WHEREAS, The Prudential Insurance Company of America was replaced by
Prudential Investments Fund Management LLC, a New York limited liability
company, as the Adviser by approval of the Fund's shareholders on January 31,
2001; and
         WHEREAS, The Prudential Investments Fund Management LLC intends to
assume all obligations of The Prudential Insurance Company of America under the
terms of the Participation Agreement; and
         WHEREAS, the parties also desire to amend the Participation Agreement
to permit, at GIAC's discretion, various Accounts established by GIAC for
variable life insurance policies and/or variable annuity contracts to purchase
shares of the Designated Portfolio(s) of the Fund; and


         NOW, THEREFORE, in consideration of their mutual promises, the Fund,
the Distributor, the Adviser and GIAC, on its behalf and on behalf of its
Separate Accounts, agree as follows:

1.       Prudential Investments Fund Management LLC hereby assumes all
         obligations of The Prudential Insurance Company of America under the
         Participation Agreement as the Adviser and all references in the
         Participation Agreement to the Adviser shall be interpreted as
         Prudential Investments Fund Management LLC.
2.       The Participation Agreement is otherwise amended as follows:
         A. All references to Separate Account F shall be replaced with Separate
            Accounts and references to Account replaced with the Accounts.
         B. All references to Contracts shall be construed to include both the
            variable annuity contracts and variable life insurance policies
            issued by the Separate Accounts.
         C. References to the Contractowners shall be construed to include both
            the variable annuity contract holders and the variable life policy
            holders.
         D. Amend Schedule A of the Participation Agreement to read: Contracts
            and Policies: Variable annuity contracts and/or variable life
            insurance policies issued by GIAC Separate Accounts.

         The remaining provisions of the Participation Agreement, as amended
herein, shall remain in full force in effect.


         IN WITNESS WHEREOF, each of the parties hereto has caused this
Amendment to Participation Agreement to be executed in its name and on its
behalf by its duly authorized representative and its seal to be hereunder
affixed hereto as of the date specified below.


                      THE GUARDIAN INSURANCE & ANNUITY COMPANY, INC.
                      By its authorized officer,

                      By: /s/ Bruce C. Long
                          -----------------
                      Title:  Executive Vice President
                      Date: 4/10/01

                      THE PRUDENTIAL SERIES FUND, INC.

                      By its authorized officer,

                      By: /s/ David R. Odenath, Jr.
                          -------------------------
                      Title: President
                      Date: 4/10/01

                      PRUDENTIAL INVESTMENTS FUND MANAGEMENT LLC

                      By its authorized officer,

                      By: /s/ Robert F. Gunia
                          -------------------
                      Title: Executive Vice President
                      Date: 4/10/01

                      PRUDENTIAL INVESTMENT MANAGEMENT SERVICES LLC

                      By its authorized officer,

                      By: Robert F. Gunia
                          ---------------
                      Title: President
                      Date: 4/10/01