Exhibit 30(d)(vi)

RIDER FOR LEVEL TERM INSURANCE BENEFIT ON

DEPENDENT CHILDREN

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

listed on a contract data page.

BENEFIT We will pay the amount of term insurance under this

benefit if we receive due proof that a dependent

child died while this contract is in force and not in

default past the last day of the grace period and

before the term insurance provided by the benefit on

his or her life ends. But our payment is subject to

all the provisions of this rider and of the rest of

this contract.

The phrase dependent child means the Insured's child,

stepchild, or legally adopted child who: (1) has

reached the 14th day after his or her date of birth;

and (2) has not reached the first contract

anniversary after his or her 25th birthday; and

either (3) is named in the application for this

contract and on the date of the application has not

reached his or her 18th birthday; or (4) becomes the

child of the Insured by birth, marriage or adoption

after the date of the application but before the

child's 18th birthday.

We show the amount of term insurance under this

benefit on a contract data page. The insurance on

each dependent child's life will end on the earlier

of: (1) the end of the day before the first contract

anniversary after the child's 25th birthday; and (2)

the end of the day before the first contract

anniversary after the Insured's 75th birthday.

BENEFIT The monthly charge for this benefit is deducted each

CHARGES month 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

earlier of the date of the Insured's death and the

first anniversary after the Insured's 75th birthday.

PAID-UP INSURANCE

PAID-UP If the Insured dies while this contract is in force

INSURANCE and not in default past the last day of the grace

ON A DEPENDENT period, any term insurance provided by this benefit

CHILD on a dependent child's life will become paid-up term

insurance. While this paid-up insurance is in effect,

the contract will remain in force. The paid-up

insurance will have cash values but no loan value.

If this benefit becomes paid-up, it may be

surrendered for its net cash value. This will be the

net value on the date of surrender of the paid-up

insurance. But, within 30 days after a contract

anniversary, the net cash value will not be less than

it was on that anniversary. To compute this net cash

value, we use the Commissioners 1980 Standard

Ordinary Mortality Table. We use continuous functions

based on age last birthday. We use an effective

interest rate of 4% a year.

We will usually pay any cash value promptly. But we

have the right to postpone paying it for up to six

months. If we do so for more than 30 days, we will

pay interest at the rate of 3% a year.

CONVERSION OF INSURANCE ON A DEPENDENT CHILD

RIGHT TO If the insurance on a dependent child ends as we

CONVERT state in the last paragraph under Benefit above, that

child may convert to a new contract of life insurance

on his or her life. It will not be necessary to prove

that the child is insurable.

CONDITIONS The right to convert to a new contract is subject to

these conditions: (1) The insurance on the child must

end while this contract is in force and not in

default past the last day of the grace period.
(2) The amount of the new contract must meet

the minimum as we describe under Contract

Specifications. (3) We must receive a written

application for the new contract no later than the

date the insurance on the child ends.

The new contract will not take effect unless the

premium for it is paid while the child is living and

within 31 days after its contract date. If the

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

the insurance under the new contract took effect on

its contract date.

CONTRACT Date The date of the new contract will be the day

after the date the insurance on the dependent child

ends.

CONTRACT The new contract will be in the standard rating

SPECIFICATIONS class. We will set the issue age and the premiums 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 child; 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 five times the amount of insurance

on the child's life under 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 (Life Paid Up at Age 65 plan if the

issue age for the new contract is less than 15 years)

if you ask us to.

If the new contract provides for premium payment to

at least age 85, or age 65 if the issue age for it is

less than 15 years, we will include a waiver benefit

in the event of the total disability of the person

insured if we would include a waiver benefit in other

contracts like the new one.

We will not waive or pay any premium under the new

contract unless the total disability started on or

after its contract date. And 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.

MISCELLANEOUS PROVISIONS

CHANGES If the insurance on a dependent child ends as we

state in the last paragraph under Benefit above, that

child may be able to obtain a new contract of life

insurance other than in accordance with the

requirements we state in this form. But this kind of

change may be made only if we consent, and will be

subject to conditions and charges that are then

determined.

BENEFICIARY The word beneficiary where we use it in this contract

without qualification means the beneficiary for

insurance payable upon the death of the Insured.

On the contract date, the following two statements

apply, unless we issue the contract with an

endorsement that states otherwise: (1) The

beneficiary for insurance payable upon the death of a

dependent child will be the Insured if living,

otherwise the beneficiary for this insurance named in

the application. (2) If no such beneficiary is living

when insurance under this benefit becomes payable, we

will make the payment in one sum to the estate of the

later to die of the Insured and such beneficiary.

You may change the beneficiary for insurance payable

upon the death of a dependent child. The request must

be in a form that meets our needs. It will take

effect only when we file it; this will be after you

send the contract to us to be endorsed, if we ask you

for it. Then any previous beneficiary's interest in

such insurance will end as of the date of the

request. It will end then even if the child is not

living when we file the request. Any beneficiary's

interest is subject to the rights of any assignee we

know of. When a beneficiary is designated, any

relationship shown is to the Insured, unless

otherwise stated.

REINSTATEMENT If this contract is reinstated, it will not include

the insurance that we provide under this benefit on

the dependent children unless you prove to us that

each child who is to be insured on or within 15 days

after the date of reinstatement is insurable for the

benefit. If you do not submit such proof for any

child, the benefit may be reinstated if all the other

conditions are met to reinstate the contract, but any

child for whom proof is not submitted will not be

insured under the reinstated benefit. In this case,

you may be required to send the contract to us for

endorsement.

INCONTESTABILITY Except for non-payment of premium, we will not

contest this benefit with respect to the insurance on

any dependent child's life after it has been in force

during the child's lifetime for two years from the

issue date.

TERMINATION OF BENEFIT

This benefit will end on the earliest of:

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

contract is in default;

2. the end of the day before the first contract

anniversary after the Insured's 75th birthday;

3. the date the contract is surrendered for its net

cash value, if it has any, or the paid-up

insurance, if any, under the benefit is

surrendered; and

4. 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 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

Pruco Life Insurance Company,

By A B C

Secretary