Exhibit 30(d)(iv)

RIDER FOR TERM INSURANCE BENEFIT ON LIFE OF

INSURED SPOUSE

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 spouse 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. The phrase insured spouse

means the Insured's spouse named in the application

for this contract.

We show the amount of 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 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 earliest

of: (1) the death of the Insured, (2) the death of

the insured spouse, and (3) the anniversary at the

end of the term period.

PAID-UP INSURANCE

PAID-UP If the Insured dies in the term period for this

INSURANCE ON benefit while this contract is in force and not in

LIFE OF INSURED default past the last day of the grace period and

while the insured spouse is living, the insurance on

the life of the insured spouse under the benefit will

become paid-up term insurance. While the paid-up

insurance is in effect, the contract will remain in

force until the end of the term period for this

benefit. 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. We base this net cash

value on the insured spouse's age and sex. The

insured spouse's age at any time will be his or her

age last birthday on the contract date plus the

length of time since that date. 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 TO ANOTHER PLAN OF INSURANCE

Right to While the Insured is living, you may convert this

Convert benefit to a new contract of life insurance on the

Conditions life of the insured spouse. You will not have to

prove that the insured spouse is insurable.

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 the contract.

The new contract will not take effect unless the

premium for it is paid while the insured spouse 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 rating class we show

SPECIFICATIONS for this benefit on a contract data page. 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.

Even though this contract does not have a waiver

benefit on the life of an insured spouse, 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 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. And we will not waive or

pay any premium under the new contract unless the

total disability started on or after its contract

date.

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

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.

OWNERSHIP While any insurance under this benefit is in force

after the Insured's death, the insured spouse will be

the owner of the contract and will be entitled to any

contract benefit and value and the exercise of any

right and privilege granted by the contract or by us.

But any insurance payable upon the Insured's death

will be payable to the beneficiary for that

insurance.

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, unless we issue the contract

with an endorsement that states otherwise, the

beneficiary for insurance payable upon the death of

the insured spouse will be the Insured if living,

otherwise the estate of the insured spouse.

You may change the beneficiary for insurance payable

upon the death of the insured spouse. 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 us the contract, if we require it to issue an

endorsement. 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 insured spouse

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.

MISSTATEMENT If the insured spouse's stated age or sex or both are

OF AGE OR SEX not correct, we will change each benefit and any

amount payable to what the charges for this benefit

would have provided at the insured spouse's correct

age and sex.

The charges for this benefit may change or stop on a

certain date. We may have used that date because the

insured spouse would attain a certain age on that

date. If we find that the issue age for the insured

spouse was wrong, we will correct that date.

SUICIDE If the insured spouse, whether sane or insane, dies

EXCLUSION by suicide within the period which we state in the

Suicide Exclusion under Death Benefits provision, we

will not pay the amount we describe under Benefit

above. Instead, we will pay no more than the charges

deducted from the contract fund for this benefit. We

will make that payment in one sum.

REINSTATEMENT If this contract is reinstated, it will not include

the insurance that we provide under this benefit on

the life of the insured spouse unless you prove to us

that the insured spouse is insurable for the benefit.

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

contest this benefit after it has been in force

during the insured spouse's lifetime for two years

from the issue date.

TERMINATION OF BENEFIT

This benefit will end on the earliest of:

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

contract is in default;

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

of any other contract to which the benefit is

converted or changed;

3. the date the contract is surrendered for its net

cash value, or the paid-up insurance, if any,

under the benefit is surrendered;

4. the end of its term period; 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

Pruco Life Insurance Company,

By A B C

Secretary