RIDER FOR PAYMENT OF INVESTED PREMIUM AMOUNT

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

invested premium amounts into the contract fund on each monthly date while the Insured is totally disabled.

The amounts of these payments will equal the greater of (A) the amounts shown under the Schedule of

Disability Benefits in this rider, and (B) the total of all charges deducted on each monthly date as shown

This is subject to all the provisions of this rider and the rest of this contract. Payments made by us will be

used to increase the accumulated premiums used to provide the No-Lapse Guarantee.

The Schedule of Disability Benefits in this rider will change if (1) we approve your request to change the

insurance amount, (2) you change the type of death benefit, (3) you make a withdrawal that would

cause us to change the insurance amount or (4) you change or cancel any rider for which we show a charge

under Adjustments to the Contract Fund. We will send you a new Schedule of Disability Benefits showing

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, engage in

any occupation for remuneration or profit or 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

Invested Premium If the Insured becomes totally disabled before the first contract anniversary on or following the Insured's

Amounts Eligible To Be 60th birthday and that total disability begins: (1) on or after the first contract anniversary on or following

Paid By Us 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 on or after the Insured's

60th 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 invested premium amount as described under Total Disability

Benefit 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

Exceptions

We will not pay any premiums into the contract for a disability directly resulting from an injury the

Insured causes to himself or herself, on purpose; or 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

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, if possible, while the Insured is living and totally

Claim 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.

Benefit Charges

The monthly charge for this benefit is deducted on each monthly date from the contract fund. The

amount of that charge is described under Adjustments to the Contract Fund. If we approve a claim for this

Premiums Paid During You may make premium payments if you wish, as provided in the Premium Payment section of the

Total Disability

contract even when we are making payments under this benefit.

When We Will Stop We will stop paying invested premium amounts if: (1) total disability ends; or (2) we ask for proof that

Paying Invested the Insured is totally disabled and we do not receive it by the date requested; or (3) we require that

Premium Amounts the Insured be examined and the Insured fails to do so. We will also stop paying invested premium

amounts on and after the contract anniversary on or immediately following the Insured's 121st birthday.

Termination

This benefit will end 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 on or following the Insured's 60th birthday

unless the Insured is totally disabled at that time;

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 of New Jersey

Secretary