Exhibit 30(d)(vii)

SETTLEMENT OPTIONS TO PROVIDE ACCELERATION OF

DEATH BENEFITS

Subject to all the provisions of this rider and of the rest of the

contract, we will make the payments described below if the Insured is

terminally ill or is confined to a nursing home.

This rider is non-participating. Any dividend we pay under this contract

will be the same as the one we pay under a contract that is like this one

in all other respects but that does not have this rider.

DEFINITION Convertible Proceeds.-The proceeds we would pay under

this contract at the death of the Insured, less any

contract debt and any term insurance that comes from

supplementary benefits (except level term insurance

riders still in the conversion period and for which we

charge a premium).

Benefit Base.-The value we will use to determine the

monthly benefit we will pay under the terminal illness

option or the nursing home option. It will be computed

based on: (1) the amount of convertible proceeds you

place under the option; and (2) a reduced life

expectancy. When we compute the life expectancy and

the benefit base, we will use our assumptions. We may

change those assumptions from time to time. We will

consider, among other things, the Insured's age and

sex and which of the options is being applied for. We

will also consider, if they apply:

1. expected future premiums;

2. future dividends at the scale in effect when we

make the computation;

3. continuation of any reduction in guaranteed

charges;

4. continuation of the current rate of any excess

interest credited on contract values; and 5. an

expense charge of up to $150.

The benefit base for an option will be at least as

great as the net cash value of the contract multiplied

by the percentage of the convertible proceeds placed

under that option.

Eligible Nursing Home.-An institution or special

nursing unit of a hospital which meets at least one of

the following requirements:

1) it is Medicare approved as a provider of skilled

nursing care services; or

2) it is licensed as a skilled nursing home or as an

intermediate care facility by the state in which it

is located; or

3) it meets all the requirements listed below:

a. it is licensed as a nursing home by the state in

which it is located;

b. its main function is to provide skilled,

intermediate, or custodial nursing care;

c. it is engaged in providing continuous room and

board accommodations to 3 or more persons;

d. it is under the supervision of a registered nurse

(RN) or licensed practical nurse (LPN);

e. it maintains a daily medical record of each

patient; and

f. it maintains control and records for all

medications dispensed.

Institutions which primarily provide residential

facilities are not eligible nursing homes.

TERMINAL ILLNESS To choose this option you must give us evidence that

OPTION satisfies us that the Insured's life expectancy is 6

months or less; part of that evidence must be a

certification by a licensed physician. This option

provides equal monthly payments for 6 months. For each

$1,000 of benefit base, each payment will be at least

$168.37; this assumes an annual interest rate of 5%.

If the Insured dies before all the payments have been

made, we will pay the beneficiary in one sum. The one

sum we pay will be the present value of the payments

that remain; we will compute the value based on the

interest rate we used to determine those payments.

If you do not want monthly payments, we will pay you

the benefit base in one sum if you ask us to.

NURSING HOME You may choose this option if: (1) the Insured is

OPTION confined to an eligible nursing home and has been

confined there for all of the preceding six months;

and (2) you give us evidence that satisfies us that

the Insured is expected to stay in the nursing home

until death. Part of that evidence must be a

certification by a licensed physician. This option

provides level monthly payments for the number of

years shown in the table that follows. For each $1,000

of benefit base, each payment will be at least the

minimum amount shown in the table. The table uses an

annual interest rate of 5%; we may use a higher rate.

ATTAINED AGE PAYMENT PERIOD MINIMUM MONTHLY

OF INSURED IN YEARS PAYMENT FOR EACH

$1,000 OF BENEFIT BASE

64 and under 10 $10.50

65-67 8 12.56

68-70 7 14.02

71-73 6 15.99

74-77 5 18.74

78-81 4 22.89

82-86 3 29.80

87 and over 2 43.64

If the Insured dies before all the payments have been

made, we will pay the beneficiary in one sum. The one

sum we pay will be the present value of the payments

that remain; we will compute the value based on the

interest rate we used to determine those payments.

If we agree, you may choose a longer payment period

than that shown in the table; if you do, monthly

payments will be reduced so that the present value of

the payments is the same. We will use an interest rate

of at least 5%.

We reserve the right to set a maximum monthly benefit

that we will pay under this option. If we do so, it

will be at least $5,000.

If you do not want monthly payments, we will pay you

the benefit base in one sum if you ask us to.

EFFECT ON The convertible proceeds will be reduced by any amount

CONTRACT converted under one of these options.

If you convert only a part of your convertible

proceeds, the contract will stay in force and premiums

will be reduced. For insurance included in the

convertible proceeds, values and the amount of

insurance will be reduced in the same proportion as

the reduction in convertible proceeds. The new

premiums will be the ones that would apply if the

contract had been issued at the reduced amount.

Insurance not included in the convertible proceeds

will not be affected.

If you convert only a part of your convertible

proceeds, the convertible proceeds that remain must be

at least $25,000.

If you convert all of your convertible proceeds, all

other benefits under the contract based on the

Insured's life will end. Any insurance under the

contract on the life of someone other than the Insured

will stay in effect; we will waive all future premiums

for that insurance.

CONDITIONS Your right to be paid under one of these options is

subject to the following conditions:

1. The contract must be in force other than as

extended insurance.

2. You must choose the option in writing in a form

that meets our needs.

3. The contract must not be assigned except to us as

security for a loan.

4. We reserve the right to set a minimum of no more

than $50,000 on the amount of convertible proceeds

you may place under an option.

5. You must send us the contract.

6. The main purpose of life insurance is to meet your

estate planning needs. This benefit provides for

the accelerated payment of life insurance proceeds.

It is not meant to cause you to involuntarily

invade proceeds that would be payable to the named

beneficiary. Accelerated death benefits will be

made available to you on a voluntary basis only.

Therefore:

(a) If you are required by law to use this option

to meet the claims of creditors, whether in

bankruptcy or otherwise, you are not eligible

for this benefit.

(b) If you are required by a government agency to

use this option in order to apply for, obtain,

or keep a government benefit or entitlement,

you are not eligible for this benefit.

RIGHT TO If you ask us in writing and send us the contract, we

CANCEL will cancel this rider.

RIDER ATTACHED TO AND MADE A PART OF THIS CONTRACT ON

THE CONTRACT DATE

Pruco Life Insurance Company,

BY A B C

Secretary