Exhibit 30(d)(ii)

RIDER FOR PAYMENT OF PREMIUM BENEFIT UPON INSURED'S

TOTAL DISABILITY

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

listed on a contract data page.

Total Disability Benefit Subject to the conditions and exceptions stated below,

after we have approved a claim, we will pay premiums

into the contract on each monthly date while the

Insured is totally disabled. The amounts of these

payments are shown under the Schedule of Disability

Benefits in this rider. This is subject to all the

provisions of this rider and the rest of this

contract. We treat each payment made by us as

described under Premium Payment. Payments made by us

will be used to increase the accumulated premiums

described in Death Benefit Guarantee.

Total Disability Defined When we use the terms total disability and totally

disabled in this benefit we mean that: (1) until the

Insured has stayed totally disabled for two years, the

Insured cannot, due to sickness or injury, perform any

of the duties of his or her regular occupation; but

(2) after the Insured has stayed totally disabled for

two years, the Insured cannot, due to sickness or

injury, perform any gainful work for which the Insured

is reasonably fitted by education, training or

experience.

Except for what we state in the next sentence, we will

at no time regard an Insured as totally disabled who

is doing gainful work for which the Insured is

reasonably fitted by education, training, or

experience. We will regard an Insured as totally

disabled, even if working or able to work, if the

Insured incurs, during a period in which premiums are

eligible to be paid by us as we describe below, one of

the following: (1) permanent and complete blindness of

both eyes; or (2) physical severance of both hands at

or above the wrists or both feet at or above the

ankles; or (3) physical severance of one hand at or

above the wrist and one foot at or above the ankle.

Premiums Eligible To If the Insured becomes totally disabled before the

Be Paid By Us first contract anniversary following the Insured's

60th birthday and that total disability begins: (1) on

or after the first contract anniversary following the

Insured's 5th birthday, if the contract date was

before that birthday; or (2) on or after the contract

date, if that date was on or after the Insured's 5th

birthday, we will make payments under this benefit on

each monthly date while the Insured remains totally

disabled.

If the Insured becomes totally disabled on or after

the first contract anniversary following the Insured's

60th birthday, we will make payments under this

benefit on each monthly date before the first contract

anniversary following the Insured's 65th birthday and

while the Insured remains totally disabled.

If the Insured becomes totally disabled on or after

the first contract anniversary after the Insured's

65th birthday, we will not make any payments during

that period of total disability.

Conditions We will not pay any premiums into the contract until

we approve a claim. Once approved, we will pay into

the contract as of each monthly date the premiums

shown under the Schedule of Disability Benefits for

monthly dates on and after the onset of total

disability and through the date of approval.

Before we will approve a claim, all of these

conditions must be met: (1) The Insured must become

totally disabled while this contract is in force and

not in default past the last day of the grace period;

(2) The Insured must be totally disabled for a period

of at least six continuous months while living; (3) We

must receive proof of total disability in a form

satisfactory to us.

Exceptions We will not pay any premiums into the contract if the

Insured becomes totally disabled from: (1) an injury

the Insured causes to himself or herself, on purpose;

or (2) sickness or injury due to service on or after

the date of this rider in the armed forces of any

country(ies) at war. The word war means declared or

undeclared war and includes resistance to armed

aggression.

Successive Disabilities Here is what happens if the Insured has at least one

payment made by us while totally disabled, then gets

well, and then becomes totally disabled again. In this

case, we will not apply the six-month continuous

disability period that would otherwise be required by

Condition (2) and will consider the second period of

total disability to be part of the first period

unless: (A) the Insured has done gainful work, for

which the Insured is reasonably fitted, for at least

six months between the periods; or (B) the Insured

became totally disabled the second time from an

entirely different cause.

If we do not apply the six-month period required by

Condition (2), we also will not count the days when

there was not total disability as part of the two year

period when total disability means the Insured cannot

do any of the duties of the Insured's regular

occupation.

Notice and Proof of Notice and proof of any claim should be given to us,

Claim if possible, while the Insured is living and totally

disabled. We may also require proof from time to time

that the Insured is still totally disabled. After the

Insured has been continuously totally disabled for two

years, we will not ask for proof of continued total

disability more than once a year; and we will require

no further proof of continued total disability after

the first contract anniversary following the Insured's

65th birthday if the Insured has then been

continuously totally disabled for at least five years.

As a part of any proof, we have the right to require

that the Insured be examined at our expense by doctors

of our choice.

Changes in the Basic The amounts shown in the Schedule of Disability

Insurance Amount Benefits are based on the amounts in the Limited Death

Benefit Guarantee column of the Table of Death Benefit

Guarantee Values. If the basic insurance amount

changes, the amounts shown in that table will change

as well as the amounts of charges and benefits nder

this rider.

If the basic insurance amount increases, the amounts

shown in the Schedule of Disability Benefits and the

charges for this benefit will increase. If the basic

insurance amount decreases, the amounts shown in the

Schedule of Disability Benefits and the charges for

this benefit will decrease.

When there is a change in the basic insurance amount,

we will send you a new Schedule of Disability Benefits

and contract data pages reflecting the recomputed

charges and benefits.

If there is a change in the basic insurance amount

which takes effect while the Insured is totally

disabled but before we have approved a claim for

benefits under this rider, we will pay premiums into

the contract following an approval of the claim in

accordance with the Schedule of Disability Benefits

that was in effect immediately prior to the change of

the basic insurance amount.

You may not change the basic insurance amount while we

are making payments under this benefit.

Benefit Charges The monthly charge for this benefit is deducted on

each monthly date from the contract fund. The amount

of that charge is stated under Adjustments to the

Contract Fund in the contract data pages.

Premiums Paid During You may make premium payments if you wish, as provided

Total Disability in the Premium Payment section of the contract even

when we are making payments under this benefit.

When We Will Stop We will stop paying premiums if: (1) total disability

Paying Premiums ends; or (2) we ask for proof that the Insured is

totally disabled and we do not receive it by the date

requested; or (3) we require that the Insured be

examined and the Insured fails to do so; or (4) the

Insured became totally disabled on or after the first

contract anniversary following his or her 60th

birthday and the contract has remained in force until

the first contract anniversary following his or her

65th birthday.

Default This contract may go into default while we are making

payments under this benefit. In that event, we will

continue to pay these premiums on each monthly date

during the grace period. But we will stop paying

premiums when the grace period ends if the amount

needed to keep the contract in force is not paid.

Termination This benefit will end and we will pay no more premiums

into the contract for you on the earliest of:

1. the end of the grace period if the contract is in

default;

2. the end of the day before the first contract

anniversary that follows the Insured's 65th

birthday unless the Insured has stayed totally

disabled since before the first contract

anniversary that follows the 60th birthday;

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

This Supplementary Benefit rider attached to this

contract on the Contract Date

Pruco Life Insurance Company,

By A B C

Secretary