EXHIBIT 30(d)(vi)(a)

SUPPLEMENTARY MONTHLY RENEWABLE NON-CONVERTIBLE

ONE MONTH TERM INSURANCE

Monthly Term Insurance.--Under this rider, we will provide monthly term

insurance on the Insured's life. We will do this during any Contract Month which

begins on a Monthly Date on which the contract is not in default.

You will not have to prove to us that the Insured is insurable to continue this

insurance from month to month provided the rider has not ended as described in

the Termination section. We make these promises subject to all the provisions of

this rider and of the rest of this contract.

The amount of insurance provided by this rider is included in the Basic Amount

as modified by this rider (see Table of Basic Amounts). The insurance for any

contract month will start on the Monthly Date which begins that Contract Month;

it will end at the end of the day before the next Monthly Date.

We will deduct the charge for the insurance we provide under this rider from the

contract fund. The charge will be no more than the amount we describe under

Maximum Guaranteed Charges. We may deduct a smaller charge as we describe under

Current Rates.

TABLE OF AMOUNTS OF INSURANCE

Tabular Amounts.--We show here the tabular amount of insurance for each $1,000

of Initial Amount of Term Insurance if death occurs in the contract year that

begins when the Insured is the attained age shown. The tabular amount of

insurance at any time is equal to the appropriate amount shown below times the

number of $1,000's of Initial Amount of Term Insurance, including any fraction,

shown on the Contract Data page(s).

Example: Suppose the Initial Amount of Term Insurance is $100,500. The number of

$1,000's of Initial Amount of Term Insurance is 100.5. The tabular amount of

insurance is $100,500 at attained age 70 and $50,250 at attained age 86.

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ATTAINED AGE TABULAR AMOUNT PAYABLE ATTAINED AGE TABULAR AMOUNT PAYABLE

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80 and below 1000 90 300

81 900 91 250

82 800 92 200

83 700 93 175

84 600 94 150

85 550 95 125

86 500 96 100

87 450 97 75

88 400 98 50

89 350 99 25

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Target Amount.--We compute the Target Amount on each Monthly Date. It will be

the larger of the amounts in (1) and (2), where

(1) is the tabular amount of insurance under this rider;

(2) is the amount of insurance, but not more than the Initial Amount of Term

Insurance, that can be provided at then current rates (which we describe under

Current Rates) by a charge equal to the maximum guaranteed charge for the

tabular amount of insurance under this rider.

Rider Premiums and Charges.--We show the premiums for this rider in the Contract

Data pages, and these premiums are included in the Schedule of Premiums shown in

these pages. From each premium payment, we make the deductions shown under

Schedule of Expense Charges From Premium Payments in these pages; the balance is

the invested premium amount which is added to the contract fund. We will deduct

from the contract fund on each Monthly Date, for the insurance we provide under

this rider, a charge for any portion of the basic amount which exceeds the

contract fund and for which we do not otherwise charge under the terms of the

contract or under the terms any extra benefit other than this rider.

Maximum Guaranteed Charges.--The maximum guaranteed charges per $1,000 of

Initial Amount of Term Insurance are included in the Schedule of Monthly

Deductions from Contract Fund in the Contract Data pages. These rates apply to

the insurance we provide under this rider. The amount we deduct on a Monthly

Date for the Target Amount will not be more than this charge multiplied by the

number of $1,000's of Initial Amount of Term Insurance.

Current Rates.--From time to time we will set the current rates for the

insurance we provide under this rider based on the Insured's rating class, sex

and attained age. They will not be more than the maximum guaranteed rates. We

will set rates based on our expectations as to future experience. At least once

every five years, but not more often than once a year, we will consider the need

to change the rates. We will change them only if we do so for all riders like

this one dated in the same year as this one.

MISCELLANEOUS PROVISIONS

General.--Where there is no conflict with this rider, the provisions of this

contract will also apply to the rider.

Death Benefit.--While this rider remains in force, the following two changes to

the contract apply. The definition of the insurance amount is amended by

deleting item (2), "the contract fund divided by the net single premium per $1

at the Insured's attained age on that date." The Table of Basic Amounts in the

contract is replaced with the table that follows. We have made these changes so

the contract and this rider together will comply with Section 7702 of the

Internal Revenue Code of 1954 as amended.

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TABLE OF BASIC AMOUNTS

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When the proceeds arise from the Insured's death:

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And The Contract Is In Force: Then The Basic Amount Is: And We Adjust The Basic

Amount For:

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and not in default past its the larger of: (1) the insurance amount, contract debt, plus any charges due in

days of grace plus the Target Amount described in rider the days of grace.

AL 500A N; and (2) the contract fund divided

by the net single premium per $1 at the

Insured's attained age on that date; plus the

amount of any extra benefits other than those

provided under rider AL 500A N.

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as variable reduced paid-up the amount of variable reduced paid-up contract debt.

insurance insurance

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as extended insurance the amount of term insurance, if the nothing.

Insured dies in the term; otherwise zero

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Termination.--This rider will end on the earliest of:

1. the end of the last day of grace if the contract is in default; it will not

continue if a benefit takes effect under any contract value options provision

that may be in the contract;

2. the end of the day before the anniversary on which the Insured's attained age

is 100;

3. the date the contract is surrendered under its Cash Value Option; and

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

Further, if you ask us in writing and we agree, we will cancel the rider as of

the first Monthly Date on or after we receive your request. Contract premiums

and monthly charges due then and later will be reduced accordingly.

Rider attached to and made a part of this contract

on the Contract Date

Pruco Life Insurance Company of New Jersey,

By /s/ SPECIMEN

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Secretary

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