Exhibit 30(d)(v)

RIDER FOR LEVEL TERM INSURANCE BENEFIT ON LIFE

OF INSURED--CHARGES INCREASE ANNUALLY

This benefit is a part of this contract only if it is

listed on a contract data page.

BENEFIT We will pay an amount under this benefit if we

receive due proof that the Insured died: (1) in the

term period for the benefit; and (2) while this

contract is in force and not in default past the last

day of the grace period. But our payment is subject

to all the provisions of this rider and of the rest

of this contract.

We show the amount of term insurance under this

benefit on a contract data page. We also show the

term period for the benefit there. The term period

starts on the contract date. The anniversary at the

end of the term period is part of that period.

BENEFIT The monthly charge for this benefit is deducted on

CHARGES each monthly date from the contract fund. The amount

of that charge is shown under Adjustments to the

Contract Fund. Monthly charges for this benefit stop

on the anniversary at the end of the term period.

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO You may convert this benefit to a new contract of

CONVERT life insurance on the Insured's life. You will not

have to prove that the Insured is insurable.

CONDITIONS You must ask for the conversion in a form that meets

our needs, while this contract is in force and not in

default past the last day of the grace period, and on

or before the fifth contract anniversary. We may

require you to send us this contract.

The new contract will not take effect unless the

premium for it is paid while the Insured is living

and within 31 days after its contract date. If the

premium is paid as we state, it will be deemed that

the new contract took effect on its contract date and

that this benefit ended just before that date.

PREMIUM Upon conversion to a new contract with scheduled

CREDIT premiums, we will allow a credit, as described below,

on each premium that is due or scheduled for payment

during the first year of the new contract. Upon

conversion to a new contract without scheduled

premiums, we will allow a credit as of the contract

date provided you pay any required minimum initial

premium for the new contract.

If this benefit has been in force for at least one

year on the contract date of the new contract, we

will allow the full credit described below. If this

benefit has been in force for less than one year as

of that date, the credit will be reduced on a

pro-rata basis taking into consideration the portion

of a year for which this benefit has then been in

force.

The full credit is equal to the monthly charges

deducted from the contract fund for the benefits

being converted under this rider during the twelve

months preceding the date of the new contract. Extra

charges for extra risks or extra benefits other than

a waiver benefit are not considered in determining

this credit.

If the new contract has scheduled premiums, we will

reduce each premium due or scheduled for payment in

the first year of the new contract to consider either

the full or reduced credit, as appropriate. If more

than one premium is due or scheduled for payment, we

will apportion any credit between them. If the new

contract does not have scheduled premiums, we will

pay either

the full or reduced credit, as appropriate, into the

new contract as of the contract date provided you pay

any required minimum initial premium for the new

contract.

CONTRACT If this contract is not in default, you may choose

DATE any contract date for the new contract that is not

more than 31 days after nor more than 31 days before

the date we receive your request, and not later than

the fifth contract anniversary. If this contract is

in default but not past the last day of the grace

period, the contract date for the new contract will

be the date on which this contract went into default.

CONTRACT The new contract will be in the same rating class as

SPECIFICATIONS this contract. We will set the issue age, premiums

and charges for the new contract in accordance with

our regular rules in use on its contract date.

Except as we state in the next sentence, the new

contract may be any life or endowment policy we or

our parent company, The Prudential Insurance Company

of America, regularly issue on its contract date for

the same rating class, amount, issue age and sex. It

may not be: a single-premium contract; one that

insures anyone in addition to the Insured; one that

includes or provides for term insurance, other than

extended insurance; one with premiums that increase

after a stated time, if its first premium is less

than 80% of any later premium; or one with any

benefit other than the basic insurance benefit and

the waiver benefit we refer to below. A waiver

benefit may either waive or pay premiums in the event

of the Insured's total disability.

The basic amount of the new contract may be any

amount you ask for as long as it is at least $10,000

and not more than the amount of term insurance for

this benefit. If the amount you want is smaller than

the smallest amount we would regularly issue on the

plan you want, we will issue a new contract for as

low as $10,000 on the Life Paid Up at Age 85 plan if

you ask us to.

If this contract has a benefit for paying premiums in

the event of the Insured's total disability, we will

include a waiver benefit in the new contract if its

premium period runs to at least the Insured's

attained age 85 and if we would include a waiver

benefit in other contracts like the new one.

We will not deny a waiver benefit that we would have

allowed under this contract, and that we would

otherwise allow under the new contract, just because

total disability started before the contract date of

the new contract. Any premium to be waived or paid

for total disability under the new contract must be

on the monthly mode. We will not waive or pay any

premium under the new contract unless it has a waiver

benefit, even if we have paid premiums into this

contract due to the Insured's total disability.

Any waiver benefit in the new contract will be the

same one, with the same provisions, that we put in

other contracts like it on its contract date. In any

of these paragraphs, when we refer to other

contracts, we mean contracts we would regularly issue

on the same plan as the new contract and for the same

rating class, amount, issue age and sex.

Changes You may be able to have this benefit changed to a new

contract of life insurance other than in accordance

with the requirements for conversion that we state

above. But any change may be made only if we consent,

and will be subject to conditions and charges that

are then determined.

TERMINATION OF BENEFIT

This benefit will end on the earliest of:

1. The end of its term period;

2. the end of the last day of the grace period if the

contract is in default;

3. the end of the last day before the contract date

of any other contract to which the benefit is

converted or changed;

4. the date the contract is surrendered for its net

cash value; and

5. the date the contract ends for any other reason.

Further, if you ask us in a form that meets our

needs, we will cancel the benefit as of the first

monthly date on or after the date we receive your

request. Monthly charges due then and later will be

reduced accordingly.

THIS SUPPLEMENTARY BENEFIT RIDER ATTACHED TO THIS

CONTRACT ON THE CONTRACT DATE