EXHIBIT 30(d)(ix)

RIDER FOR LEVEL TERM INSURANCE BENEFIT ON DEPENDENT CHILDREN

Read the list of Supplementary Benefits on the Contract Data page(s).

This Benefit is a part of this contract only if it is listed there.

Benefit.--We will pay an amount under this Benefit if we receive due proof that

a dependent child died (1) before the term insurance provided by the Benefit on

his or her life ends; and (2) while this contract is in force with no premium in

default past its days of grace. But our payment is subject to all the provisions

of the Benefit and of the rest of this contract.

The phrase dependent child means the Insured's child, stepchild or legally

adopted child who (1) has reached the 15th day of life; and (2) has not reached

the first contract anniversary after his or her 25th birthday; and either (3) is

named in the application for this contract and on the date of the application

has not reached his or her 18th birthday; or (4) is acquired by the Insured

after the date of the application but before the child's 18th birthday.

We show the amount of term insurance under this Benefit on the Contract Data

page(s). The insurance on each dependent child's life will end on the earlier

of: (1) the day before the first contract anniversary after the child's 25th

birthday; and (2) the day before the first contract anniversary after the

Insured's 65th birthday.

PAID-UP INSURANCE

Paid-up Insurance on Dependent Children.--The Insured might die while this

contract is in force with no premium in default past its days of grace. In this

case, any term insurance provided by this Benefit on a dependent child's life

will become paid-up term insurance. While this paid-up insurance is in effect,

the contract will remain in force. 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. To compute this net cash value, 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. If we are asked for the values which apply,

we will furnish them.

CONVERSION OF INSURANCE ON DEPENDENT CHILDREN

Right to Convert.--lf the insurance on a dependent child ends as we state in the

last paragraph under Benefit above, that child may be able to obtain a new

contract of life insurance on his or her life, in either this company or The

Prudential Insurance Company of America. In any of these paragraphs, when we use

the phrase the company we mean whichever of these companies may issue the new

contract. It will not be necessary to prove that the child is insurable.

Conditions.--The right to obtain a new contract is subject to all these

conditions: (1) The insurance on the child must end while this contract is in

force with no premium in defauit past its days of grace. (2) The amount of the

new contract must meet the minimum as we describe under Contract Specifications.

(3) We must have a written application for the new contract at our Service

Office no later than the date the insurance on the child ends.

The new contract will not take effect unless the premium for it is paid while

the child is living and within 31 days after its contract date. If the premium

is paid as we state, it will be deemed that the insurance under the new contract

took effect on its contract date.

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Contract Date.--The date of the new contract will be the day after the date the

insurance on the dependent child ends.

Contract Specifications.--The new contract will be in the standard rating class.

The company will set the issue age and the premiums for the new contract in

accord with its regular rules in use on the date of the new contract.

The new contract may call for annual premiums. If the company agrees, the owner

of the new contract will be able to have premiums fall due more often.

The contract may be either one of the following:

1. A contract like the one to which this Benefit is attached. Its face amount

will be the amount asked for in the application. But it cannot be less than

$25,000 or more than five times the amount of insurance on the child's life

under the Benefit.

2. A Life Paid Up at Age 85 plan (Life Paid Up at Age 65 plan if the issue age

for the new contract is less than 15 years). In this case the new contract will

be issued by The Prudential Insurance Company of America. Its face amount will

be the amount asked for in the application. But it cannot be less than $5,000 or

more than five times the amount of insurance on the child's life under this

Benefit.

The new contract will not have Supplementary Benefits other than as we describe

in this and in the next paragraph. If the company would include in other

contracts like the new contract a benefit for waiving premiums in the event of

disability, here is what the company will do. Even though this contract does not

have that benefit on the life of that child, the company will put it in the new

contract on his or her life. The benefit, if any, in the new contract will be

the same one, with the same provisions, that the company puts in other contracts

like it on its contract date. In this paragraph, when we use the phrase other

contracts like it, we mean contracts the company would regularly issue on the

same plan and for the same rating class, amount, issue age and sex.

No premium will be waived under the new contract unless the disability started

on or after its contract date. And no premium will be waived under a new

contract unless it has a benefit for waiving premiums in the event of

disability. This will be so even if premiums have been waived under this

contract.

Changes.--If the insurance on a dependent child ends as we state in the last

paragraph under Benefit above, that child may be able to obtain a new contract

of life insurance other than in accord with the requirements we state in this

form. But this kind of change may be made only if the company consents and will

be subject to conditions and charges that are then determined.

MISCELLANEOUS PROVISIONS

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.

Unless we endorse this contract to say otherwise, these two statements will

apply: (1) The beneficiary for insurance payable upon the death of a dependent

child will be the Insured if living, otherwise the beneficiary for this

insurance named in the application. (2) If no such beneficiary is living when

insurance under this Benefit becomes payable, we will make the payment in one

sum to the estate of the later to die of the Insured and such beneficiary.

The beneficiary for insurance payable upon the death of a dependent child may be

changed. The request must be in writing and in a form that meets our needs. It

will take effect only when we file it at our Service Office; this will be after

the contract is sent to us to be endorsed, if we ask for it. 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 child is not living when we file the request. Any

beneficiary's interest is subject to the rights of any assignee of whom we know.

When a beneficiary is designated, any relationship shown is to the Insured,

unless otherwise stated.

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Reinstatement.--If this contract is reinstated, it will not include the

insurance that we provide under this Benefit on the dependent children unless

you give us any facts we need to satisfy us that each child who is to be insured

on or within 15 days after the date of reinstatement is insurable for the

Benefit. If you do not give us the facts we need for any child, the Benefit may

be reinstated if all the other conditions are met to reinstate the contract. But

you must send the contract to us to be endorsed to show that the child is not

insured under the Benefit.

Contract Value Options.--If this contract has a Contract Value Options

provision, it will apply only during the Insured's lifetime. Any extended or

reduced paid-up insurance that may be described there is on the life of the

Insured only.

Contract Loans.--If this contract has a Loans provision, we will not consider

any contract debt when we determine the amount payable, if any, at the death of

a dependent child.

Incontestability.--Except for non-payment of premium, we will not contest this

Benefit with respect to the insurance on any dependent child's life after it has

been in force during the child's lifetime for two years from the issue date.

Benefit Premiums.--We show the premiums for this Benefit on the Contract Data

page(s). They stop on the earlier of the date of the Insured's death and the

first contract anniversary after the Insured's 65th birthday.

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

1. the end of the last day of grace of a premium 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 first contract anniversary after the Insured's

65th birthday;

3. the date the contract is surrendered under its Cash Value Option, if it has

one, or the paid-up insurance, if any, under the Benefit is surrendered; and

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

Further, if you ask us in writing in the premium period, we will cancel the

Benefit as of the date to which premiums are paid. Contract premiums 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 /s/ ISABELLE L. KIRCHNER

Secretary

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