contractriders.htm

EXHIBIT 26(d)(ix)

RIDER FOR TERM INSURANCE BENEFIT ON LIFE OF

INSURED SPOUSE--DECREASING AMOUNT

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 Initial 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 term period is part of that period.

AMOUNTS PAYABLE

The amount we will pay depends on when the death of the insured spouse occurs. In the Table of Amounts of Insurance on a contract data page we show the amount we will pay if death occurs in a given contract year.

BENEFIT PREMIUMS AND CHARGES

We show the premiums for this benefit in the Schedule of Premiums in the contract data pages. From each premium payment, we make the deductions shown under Schedule of Deductions from Premium Payments in these pages and the balance is the invested premium amount which is added to the contract fund. The monthly charge for this benefit is deducted on each monthly date from the contract fund. The amount of that charge is included in the Schedule of Monthly Deductions from the contract fund.

Benefit premiums and monthly charges 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 INSURANCE ON LIFE OF INSURED SPOUSE

If the Insured dies in the term period for this benefit while this contract is in force and not in 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 plus any dividend credits. 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.

AL 181 B--96

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

While the Insured is living, you may convert this benefit to a new contract of life insurance on the life of the insured spouse. You will not have to prove that the insured spouse is insurable.

CONDITIONS

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 at least five years before the end of the term period for this benefit.

PREMIUM CREDIT

If we receive your request for conversion before the fifth anniversary of this contract, we will allow a premium credit. Upon conversion to a new contract with scheduled 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 premiums for the term insurance being converted that were due, on the premium mode in effect at the time of conversion, during the twelve months preceding the date of the new contract. Extra premiums or 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 DATE

If this contract is not in default, you may choose 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 less than five years before the end of the term period for this benefit. 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 SPECIFICATIONS

The new contract will be in the rating class we show 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 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 80% of the amount we would have paid under this benefit if the Insured had died just before the contract date of the new contract. (Since $10,000 is 80% of $12,500, the amount we would have paid must be at least $12,500 for conversion to be possible.) 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.

AL 181 B--96

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 waived premiums under this contract due to the Insuredos total disability. And we will not waive or pay any premium under the new contract unless the 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 OF AGE OR SEX

If the insured spouse's stated age or sex or both are not correct, we will change each benefit and any amount payable to what the premium would have bought for the correct age and sex.

The Schedule of Premiums may show that premiums 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 EXCLUSION

If the insured spouse, whether sane or insane, dies 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 sum of the premiums paid 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.

AL 181 B--96

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;

it will not continue if either extended insurance or reduced paid-up

insurance takes effect;

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 under its Cash Value Option, 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. Contract premiums and monthly charges due then and later will be

reduced accordingly.

THIS SUPPLEMENTARY BENEFIT RIDER ATTACHED TO THIS CONTRACT ON THE CONTRACT DATE.

The Prudential Insurance Company of America

By /s/ SPECIMEN

--------------------------

Secretary

AL 181 B--96

EXHIBIT 26(d)(x)

RIDER FOR LEVEL TERM INSURANCE BENEFIT ON DEPENDENT CHILDREN

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages.

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 and not in default past the last day of the grace period. 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 pages. The insurance on each dependent child's life will end on the earlier of: (1) the end of the day before the first contract anniversary after the child's 25th birthday; and (2) the end of 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 and not in default past the last day of the grace period. 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

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 on his or her life. 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 and not in default past the last day of the grace period. (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 Home Office no later than the date the insurance on the child ends.

AL 182B

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.

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. We will set the issue age and the premiums for the new contract in accord with our regular rules in use on its contract date.

The new contract may be on any life or endowment plan we would regularly issue on its contract date for the same rating class, amount, issue age and sex. But it cannot be any of these: (1) a single premium contract; or (2) one that insures anyone in addition to the child; or (3) one that includes or provides for term insurance other than extended insurance; or (4) one with premiums that increase after a stated time, if its first premium is less than 80% of any later premium; or (5) one with supplementary benefits other than the benefit to which we refer later in these paragraphs.

Its face amount will be the amount asked for in the application. But, except as we state below, that amount must be an amount we would regularly issue for the plan chosen. And 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 face amount asked for might be less than the smallest amount we would regularly issue on the plan requested. In that case we will issue a new contract for as low as $5.000 on the 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) if we are asked to do so.

If: (1) the new contract is on the Life Paid Up at Age 85 plan or has a premium period at least as long as for that plan; or (2) the new contract is on the Life Paid Up at Age 65 plan because the issue age for it is less than 15 years; and (3) we would include in other contracts like the new contract a benefit for waiving or paying premiums in the event of disability of the person insured, here is what we will do. Even though this contract does not have that benefit on the life of that child, we will put it in a 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 we put in other contracts like it on its contract date. In this paragraph, when we use the phrases other contracts like it and other contracts like the new contract, we mean contracts we would regularly issue on the same plan and for the same rating class, amount, issue age and sex.

We will not waive or pay any premium under a new contract unless the disability started on or after its contract date. And we will not waive or pay any premium under a new contract unless it has a benefit for waiving or paying premiums in the event of disability. This will be so even if we have waived or paid premiums 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 (either with us or with a subsidiary of ours) other than in accord with the requirements we state in this form. But this kind of change may be made only if we consent, 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.

AL 182B

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 Home 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.

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

BENEFIT PREMIUMS AND CHARGES

The monthly charge for this benefit is deducted on each monthly date from the contract fund. The amount of that charge is included in the Schedule of Monthly Deductions from the Contract Fund in the contract data pages.

Benefit premiums and monthly charges stop on the earlier of the death of the Insured 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 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 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, and we agree, we will cancel the benefit 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.

This Supplementary Benefit rider attached to this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ ISABELLE L. KIRCHNER

--------------------------

Secrerary

AL 182B

EXHIBIT 26(d)(xi)

RIDER FOR LEVEL TERM INSURANCE BENEFIT ON DEPENDENT CHILDREN – From Conversions

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages.

BENEFIT

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) just before the contract date of this contract was insured under the earlier contract from which this contract was exchanged or changed; or (4) is acquired by the Insured on or after the date of this contract but before the child's 18th birthday.

PAID-UP INSURANCE

PAID-UP INSURANCE ON DEPENDENT CHILDREN

CONVERSION OF INSURANCE ON DEPENDENT CHILDREN

RIGHT TO CONVERT

CONDITIONS

AL 184B

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. We will set the issue age and the premiums for the new contract in accord with our regular rules in use on its contract date.

Its face amount will be the amount asked for in the application. But, except as we state below, that amount must be an amount we would regularly issue for the plan chosen. And 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 face amount asked for might be less than the smallest amount we would regularly issue on the plan requested. In that case we will issue a new contract for as low as $5,000 on the 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) if we are asked to do so.

If: (1) the new contract is on the Life Paid Up at Age 85 plan or has a premium period at least as long as for that plan; or (2) the new contract is on the Life Paid Up at Age 65 plan because the issue age for it is less than 15 years; and (3) we would include in other contracts like the new contract a benefit for waiving or paying premiums in the event of disability of the person insured, here is what we will do. Even though this contract does not have that benefit on the life of that child, we will put it in a 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 we put in other contracts like it on its contract date. In this paragraph, when we use the phrases other contracts like it and other contracts like the new contract, we mean contracts we would regularly issue on the same plan and for the same rating class, amount, issue age and sex.

CHANGES

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 insurance payable upon the death of the Insured. (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.

AL 184B

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

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: (1) the date the level term insurance benefit on dependent children began under the earliest contract; or, if later, (2) the date of any rider that added the child for coverage under any such earlier contract. But, in any case, if there was a later reinstatement of any such earlier contract, then the two years will start on the date of the most recent reinstatement.

BENEFIT PREMIUMS AND CHARGES

We show the premiums for this benefit under Schedule of Premiums in the contract data pages. From each premium payment, we make the deductions shown under Schedule of Deductions from Premium Payments in these pages and the balance is the invested premium amount which is added to the contract fund.

Benefit premiums and monthly charges stop on the earlier of the death of the Insured 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 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 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.

This Supplementary Benefit rider attached to this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

Secretary

AL 184B

EXHIBIT 26(d)(xii)

RIDER FOR LEVEL TERM INSURANCE BENEFIT ON DEPENDENT CHILDREN

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages.

BENEFIT

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 change which is attached to and made a part of this contract, and on the date of the request has not reached his or her 18th birthday; or (4) is acquired by the Insured after the date of the request but before the child's 18th birthday.

PAID-UP INSURANCE

PAID-UP INSURANCE ON DEPENDENT CHILDREN

CONVERSION OF INSURANCE ON DEPENDENT CHILDREN

RIGHT TO CONVERT

CONDITIONS

AL 185B

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. We will set the issue age and the premiums for the new contract in accord with our regular rules in use on its contract date.

Its face amount will be the amount asked for in the application. But, except as we state below, that amount must be an amount we would regularly issue for the plan chosen. And 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 face amount asked for might be less than the smallest amount we would regularly issue on the plan requested. In that case we will issue a new contract for as low as $5,000 on the 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) if we are asked to do so.

If (1) the new contract is on the Life Paid Up at Age 85 plan or has a premium period at least as long as for that plan; or (2) the new contract is on the Life Paid Up at Age 65 plan because the issue age for it is less than 15 years; and (3) we would include in other contracts like the new contract a benefit for waiving or paying premiums in the event of disability of the person insured, here is what we will do. Even though this contract does not have that benefit on the life of that child, we will put it in a 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 we put in other contracts like it on its contract date. In this paragraph, when we use the phrases other contracts like it and other contracts like the new contract, we mean contracts we would regularly issue on the same plan and for the same rating class, amount, issue age and sex.

We will not waive or pay any premium under a new contract unless the disability started on or after its contract date. And we will not waive or pay any premium under a new contract unless it has a benefit for waiving or paying premiums in the event or disability. This will be so even if we have waived or paid premiums under this contract.

CHANGES

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, the beneficiary for insurance payable upon the death of a dependent child will be the Insured if living, otherwise the estate of the Insured.

AL 185B

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 Home 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 supject 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.

REINSTATEMENT

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

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

BENEFIT PREMIUMS AND CHARGES

Benefit premiums and monthly charges stop on the earlier of the death of the Insured 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 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 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, and we agree, we will cancel the benefit 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.

This Supplementary Benefit rider attached to this contract on the Contract Date.

The Prudential Insurance Company of America.

By /s/ DOROTHY K. LIGHT

Secretary

AL 185B

EXHIBIT 26(d)(xiii)

ENDORSEMENTS

(Only we can endorse this contract.)

This endorsement is attached to and made a part of this contract on the contract date:

In this contract, we use the phrase the insured spouse. When we do, we mean the Insured's spouse who is named for coverage in the request for change, even though we state otherwise in the contract. The request for change resulted in our issuing the contract; it is attached to and made a part of the contract.

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

Secretary

ORD 86308--88

EXHIBIT 26(d)(xiv)

[PRUDENTIAL LOGO]

Insured Rider for Policy No.

This contract was reinstated on the date of this rider. But we did not have the facts we needed to satisfy us that the child, ___________________________, whose date of birth is ____________________ was insurable. Therefore, that child will not be insured under this contract on or after the date of this rider. This will be so even though the contract or an application related to it may refer to the child. This will still be so if you apply to reinstate the contract again in the future and you then refer to the child.

Rider attached to and made a part of this contract

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

Secretary

Effective Date Attest

ORD 86310--88

EXHIBIT 26(d)(xv)

[PRUDENTIAL LOGO]

Insured Rider for Policy No.

MODIFICATION OF INSURED'S WAIVER OF PREMIUM BENEFIT PROVISION

There is an impairment of the Insured's eyesight. If he or she becomes disabled as a result of the loss of eyesight, here is what will apply for that disability. We will not allow benefits under any benefit for waiving premiums in the event of disability in (1) this contract, or (2) any other contract on the Insured's life to which you change or for which you exchange this contract or any of its benefits.

Rider attached to and made a part of this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

Secretary

ORD 86312--88

EXHIBIT 26(d)(xvi)

[PRUDENTIAL LOGO]

Insured Rider for Policy No.

TERMINATION OF BENEFIT

We agree that the benefit _________________________, will end as of _______________________. Then all references in this contract to that benefit will no longer apply. The monthly charges for that benefit will not be deductible on or after that date.

Rider attached to and made a part of this contract

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

Secretary

ORD 86313--88

Date Attest

EXHIBIT 26(d)(xvii)

[PRUDENTIAL LOGO]

Insured Rider for Policy No.

- -------------------------------------------------------------------------------

VARIABLE REDUCED PAID-UP INSURANCE

This contract is no longer in force on a premium paying basis. It is being kept in force as variable reduced paid-up insurance on the Insured's life, as we state under Contract Value Options in the contract.

The new amount of insurance and its effective date are shown in the attached Table of Values. Unless otherwise stated in the table, any contract debt was deducted when we computed the net cash value that was used to provide the reduced paid-up insurance.

The cash value of the variable reduced paid-up insurance will continue to vary according to the investment results in the separate account. There is no guaranteed minimum cash value under this option.

The death benefit under this option may change from day to day, but it will never be less than the amount determined as of the day of default. The death benefit will increase if investment results are in excess of the assumed rate or mortality charges lower than the maximum rate. The death benefit will decrease if investment results are less than the assumed rate, but it will not decrease below the amount determined on the day of default.

As of the effective date shown in the table each of these items no longer applies: (1) the Tabular Contract Fund Values and Tabular Cash Values shown on page 4 in the contract; (2) any supplementary benefits or other extra benefits that were made a part of the contract by rider or endorsement; and (3) any provisions of the contract that do not apply to the reduced paid-up insurance.

If this contract is reinstated, the contract fund that applies upon reinstatement is as we state under Premium Payment and Reinstatement. The cash value and net cash value will be as we state under Contract Value Options.

The attached table shows values at the ends of contract years. If we need to compute values at some time during a contract year, we will count the time since the start of the year. We will let you know the values for other durations if you ask for them.

Rider attached to and made a part of this contract

The Prudential Insurance Company of America

By /s/ SPECIMEN

----------------------------

Secretary

Date Attest

ORD 86329--88

EXHIBIT 26(d)(xviii)

[PRUDENTIAL LOGO]

Insured Rider for Policy No.

- -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

AVIATION RISK EXCLUSION

CONDITIONS OF EXCLUSION

We will pay the limited payment we describe below, and not what we would otherwise pay, if: (1) the Insured dies as a result of travel by, or descent from, any aircraft; and (2) the Insured had any duties or acted in any capacity other than as a passenger at any time during the flight.

But this exclusion will not apply if all these statements are true of the aircraft: (1) It has fixed wings and a permitted gross takeoff weight of at least 75,000 pounds. (2) It is operated by an air carrier that is certificated under the laws of the United States or Canada to carry passengers to or from places in those countries. (3) It is not being operated for any armed forces for training or other purposes.

As used here, the word aircraft includes rocket craft or any other vehicle for flight in or beyond the earth's atmosphere.

LIMITED PAYMENT

The limited payment will be: (1) the sum of the premiums that were paid for this contract minus any expense and insurance charges made for insurance coverage on persons other than the Insured, minus (2) any contract debt, minus (3) any withdrawals made under the contract. But if the reserve for the contract, when computed as we state under Reserves, is greater than the amount we describe here, the limited payment will be equal to the reserve. Also, the limited payment will never be more than we would have paid if this exclusion were not in the contract.

The limited payment will be payable to the beneficiary for insurance otherwise payable upon the Insured's death.

REDUCED PAID-UP, EXTENDED AND OTHER INSURANCE ON THE INSURED'S LIFE

This exclusion also applies to any reduced paid-up or extended insurance that might be in force under the Contract Value Options, if any. We will put the exclusion in any contract on the Insured's life to which you change, or for which you exchange, this contract or any of its benefits.

PAID-UP INSURANCE ON OTHER PERSONS

This contract might include insurance on the life of someone other than the Insured. And it might have a provision that makes that insurance paid-up if the Insured dies. This exclusion will not affect any such provision.

EFFECT OF INCONTESTABILITY

In any case where this exclusion applies, the Incontestability provision of this contract will not be deemed to make us pay more than as we state under

Limited Payment.

RESERVES

We might have to compute a reserve to find the limited payment. If so, the reserve will be equal to the contract value on the date of the Insured's death less any contract debt adjusted for unearned loan interest.

Rider attached to and made a part of this contract

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

Secretary

Effective Date Attest

ORD 86325--88

EXHIBIT 26(d)(xix)

[PRUDENTIAL LOGO]

Insured Rider for Policy No.

MILITARY AVIATION RISK EXCLUSION

CONDITIONS OF EXCLUSION

We will pay the limited payment we describe below, and not what we would otherwise pay, if: (1) the Insured dies as a result of travel by, or descent from, any aircraft operated by or for any armed forces; and (2) the Insured had any duties or acted in any capacity other than as a passenger at any time during the flight. As used here, the word aircraft includes rocket craft or any other vehicle for flight in or beyond the earth's atmosphere.

LIMITED PAYMENT

The limited payment will be payable to the beneficiary for insurance otherwise payable upon the Insured's death.

REDUCED PAID-UP, EXTENDED AND OTHER INSURANCE ON THE INSURED'S LIFE

PAID-UP INSURANCE ON OTHER PERSONS

EFFECT OF INCONTESTABILITY

In any case where this Exclusion applies, the Incontestability provision of this contract will not be deemed to make us pay more than as we state under Limited Payment.

RESERVES

Rider attached to and made a part of this contract

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

Secretary

Effective Date Attest

ORD 86326--88

EXHIBIT 26(d)(xx)

[PRUDENTIAL LOGO]

Insured Rider for Policy No.

WAR RISK EXCLUSION

CONDITIONS OF EXCLUSION

We will pay the limited payment we describe below, and not what we would otherwise pay, if the Insured's death results from any one or more of the following causes: (1) war; (2) any act of war; or (3) the special hazards due to service in the armed forces of any country(ies).

But this exclusion will not apply unless all these conditions exist: (1) The cause of death occurs while the Insured is in the armed forces of any country(ies) at war. (2) The cause of death occurs while the Insured is outside the Home Areas. (3) The death occurs (a) outside the Home Areas, or (b) within six months after the Insured's return to the Home Areas while in such forces or within six months after the end of service in such forces, whichever is earlier. As used here, the word war means declared or undeclared war and includes resistance to armed aggression. The phrase Home Areas means the fifty states of the United States of America, the District of Columbia, The Commonwealth of Puerto Rico, The Virgin Islands of the United States, or Canada.

LIMITED PAYMENT

The limited payment will be payable to the beneficiary for insurance otherwise payable upon the Insured's death.

REDUCED PAID-UP, EXTENDED AND OTHER INSURANCE ON THE INSURED'S LIFE

PAID-UP INSURANCE ON OTHER PERSONS

EFFECT OF INCONTESTABILITY

In any case where this exclusion applies, the Incontestability provision of this contract will not be deemed to make us pay more than as we state under Limited Payment.

RESERVES

We might have to compute a reserve to find the limited payment. If so the reserve will be equal to tne contract value on the date of the Insured's death less any contract debt adjusted for unearned loan interest.

Rider attached to and made a part of this contract

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

Secretary

Attest

ORD 86327--88

EXHIBIT 26(d)(xxi)

[PRUDENTIAL LOGO]

Insured Rider for Policy No.

REDUCED PAID-UP INSURANCE

This contract is no longer in force on a premium paying basis. It is being kept in force as reduced paid-up insurance on the Insured's life, as we state under Contract Value Options in the contract.

As of the effective date shown in the table each of these items no longer applies: (1) the Tablular Contract Fund Values and Tabular Cash Values shown on page 4 in the contract; (2) any supplementary benefits or other extra benefits that were made a part of the contract by rider or endorsement; (3) any of the provisions of the contract that apply to the varying of the insurance amount or cash value due to investment results in the separate account; and (4) any provisions of the contract that do not apply to the reduced paid-up insurance.

Rider attached to and made a part of this contract

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

Secretary

Date Attest

ORD 86328--88

EXHIBIT 26(d)(xxii)

[PRUDENTIAL LOGO]

Insured Rider for Policy No.

OPTION TO EXCHANGE POLICY

PREMIUM

We grant this option in consideration of payment now of an extra single premium of $XXX.XX. The Premium Adjustment provision of this contract will not apply to this premium.

RIGHT TO EXCHANGE

You may be able to exchange this contract for a new contract of life insurance on the life of a new Insured.

EXCHANGE DATE

The phrase exchange date means the date you choose in your request for the exchange. It may not be more than 31 days after the date of your request; it may not be a date on which this contract is in default.

CONDITIONS

Your right to make this exchange is subject to all these conditions:

1. The new Insured (a) was living on the contract date of this contract and (b) has not reached his or her 70th birthday as of the exchange date.

2. You will apply to be the owner of the new contract.

3. On the exchange date, we must not be waiving premiums under any benefit in this contract for waiving them in the event of disability.

4. You must give us any facts we need to satisfy us that the new Insured is insurable for the new contract.

5. You must satisfy us that you have an insurable interest in the new Insured's life.

6. You must ask for the exchange and apply for the new contract in forms that meet our needs; the new Insured, as the person proposed for coverage, must join with you in signing the application.

7. We must have your request, the application, this contract, and any payment required under Charge for Exchange and under Miscellaneous, at our Home Office within the 31 day period ending on the exchange date.

The new contract will take effect on the exchange date only if we approve its issue and both the Insured and the new Insured are living on the exchange date. If the new contract takes effect, this contract will end just before the exchange date.

CONTRACT DATE

The contract date of the new contract will be the same as the contract date of this one.

CONTRACT SPECIFICATIONS

The new contract will be on the same plan as this contract if on the contract date we regularly issued contracts on this plan for the same rating class, amount, issue age, and sex as the new contract. If this plan is not available, the new contract may be on any plan we consent to or on the Life Paid Up at Age 85 plan.

Its face amount will be the amount you ask for in the application. But that amount (1) must be an amount we regularly issued on its contract date, and (2) cannot be more than the face amount of this contract.

We will set the new Insured's issue age in accord with our regular rules that were in use on the contract date of the new contract. We will base the premiums on the new Insured's age and sex. To compute the premiums, we will use: (1) our rates that were in use on the contract date of the new contract; and (2) the new Insured's rating class as of the exchange date.

The new contract may not be one with extra benefits except as we state under Miscellaneous.

ORD 86306--88

We will endorse the new contract to show that the period we state in its incontestability provision and in its Suicide Exclusion will start on the exchange date, not on the date of the new contract. The endorsement will also state how we will compute the amount to be paid under the new contract if (1) we have a legal basis for contesting it, or (2) deatn results from suicide in the stated period. We describe how we will compute that amount under Miscellaneous.

In issuing the new contract, we have the right to limit or exclude any war and aviation risks, in accord with our rules in use on the exchange date.

CONTRACT FUND

The contract fund of this contract will become the contract fund of the new contract. If this contract and the new contract have premium accounts, the premium account of this contract will become the premium account of the new contract.

CHARGE FOR EXCHANGE

If the contract fund and premium account of the new contract are such that it would be in default on the exchange date, we will charge you a premium sufficient to bring it out of default.

SURRENDER CHARGES

If the new contract is surrendered, we will determine its net cash value using the greater of the surrender charges that would apply under the old and new contracts.

MISCELLANEOUS

The new contract may have supplementary benefits or other extra benefits only if we consent. If we consent, you must give us any facts we need to satisfy us that the new Insured is insurable for the benefit(s). And we must be paid any charge we may then require.

If this contract has contract debt at the time of the exchange, the debt may be paid back or it may be transferred to the new contract. But if the debt would be more than the loan value of the new contract on the exchange date, the excess must be paid to us.

To compute the amount to be paid under the new contract if (1) we have a legal basis for contesting it, or (2) death results from suicide in the stated period, here is what we will do. First, we will identify the part of the Contract Fund of the new contract that came from this contract on the exchange date. We will add to that the amount of the charge, if any, for the exchange and any premiums paid on the new contract and we will subtract any contract debt. If the new Insured is living we will make this computation as of the date of the new contract is ended. Otherwise we will do so as of the date of his or her death.

The net cash value of the new contract as of the date of computation might be more than the amount determined above. If so, we will pay that value instead.

OTHER EXCHANGES

You may be able to exchange this contract other than in accord with the requirements we state in this rider. But this may be done only if we consent, and will be subject to conditions and charges that are then determined.

Rider attached to and made a part of this contract

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

Secretary

Effective Date Attest

ORD 863O6--88

EXHIBIT 26(d)(xxiii)

ENDORSEMENTS

(Only we can endorse this contract.)

ALTERATION OF TEXT

The provision of this policy entitled "Ownership and Control" is replaced at issue by the following:

OWNERSHIP AND CONTROL

Unless we endorse this contract to say otherwise, while the Insured is living and less than 21 years of age the owner of the contract is the applicant for it. But if the applicant is not living the owner, except as we state below, is the beneficiary(ies) who at the time would be entitled to any proceeds arising from the Insured's death. If there is no such beneficiary at the time, the owner is the Insured. A beneficiary named by the Insured will not replace the Insured as owner.

After the Insured is 21 years of age, the owner is the Insured.

While the Insured is living the owner alone is entitled to any contract benefit and value, and to the exercise of any right and privilege granted by the contract or by us. This includes, but is not limited to, these rights: (1) to assign the contract; and (2) to change any subsequent owner. A request for such a change must be in writing to us at our Home Office and in a form that meets our needs. The change will take effect only when we endorse the contract to show it.

If the owner is the Insured, but he or she (1) is not able, due to age, to exercise rights, and (2) has no legal guardian to do so, we have the right to let a person who appears to us to be responsible for the Insured's support or welfare, act for the Insured. We will not do so unless the action appears to us to be for the Insured's benefit.

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

--------------------------------

Secretary

ORD 86309--88

EXHIBIT 26(d)(xxiv)

[The PRUDENTIAL LOGO]

Insured Rider for Policy No.

JOHN DOE xx xxx xxx

---------------------------------------------------

This contract is issued as a conversion from an earlier contract.

The period we state under Incontestability in this contract will start on the issue date of the earlier contract. But if that contract was reinstated before the date of this contract, for each reinstatement we will have the right to use as a basis for a contest of this contract the statements that were made to us at the time. The period during which we will have that right will be the period we state under Incontestability in this contract; it will start on the date of the reinstatement.

The period we state under Suicide Exclusion in this contract will start on the issue date of the earlier contract.

Rider attached to and made a part of this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ SPECIMEN

--------------------------------

Secretary

ORD 86311--81

EXHIBIT 26(d)(xxv)

ENDORSEMENTS

(Only we can endorse this contract.)

Any reference, in any provision of this contract, to the sex of any person will be ignored except for the purpose of identification. For any settlement payable for the lifetime of one or more payees, the female rates we show in the contract will apply to both male and female payees.

Not withstanding anything in this contract to the contrary, when the contract is in default, it will stay in force as reduced paid-up insurance.

BASIS OF COMPUTATION

MORTALITY TABLES DESCRIBED

We base all net premiums and net values to which we refer in this contract on the Insured's issue age and on the length of time since the contract date. We use the Commissioners 1980 Standard Ordinary Non-Smokers Mortality Table B and continuous functions based on age last birthday.

INTEREST RATE

For all net premiums and net values to which we refer in this contract we use an effective rate of 4% a year.

EXCLUSIONS

When we compute net values, tabular values, and reduced paid-up insurance we exclude the value of any supplementary benefits and any other extra benefits added by rider to this contract.

VALUES AFTER 20 CONTRACT YEARS

Tabular values not shown on page 4 will be computed using the standard nonforfeiture method and the mortality table and interest rate we describe above. We show the nonforfeiture factors in the contract data pages.

MINIMUM LEGAL VALUES

The cash, loan and other values in this contract are at least as large as those set by law where it is delivered. Where required, we have given the insurance regulator a detailed statement of how we compute values and benefits.

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

--------------------------------

Secretary

ORD 86303--88

EXHIBIT 26(d)(xxvi)

ENDORSEMENTS

(Only we can endorse this contract.)

Not withstanding anything in this contract to the contrary, when the contract is in default, it will stay in force as reduced paid-up insurance.

BASIS OF COMPUTATION

MORTALITY TABLES DESCRIBED

We base all net premiums and net values to which we refer in this contract on the Insured's issue age and an the length of time since the contract date. We use the Commissioners 1980 Standard Ordinary Smokers Mortality Table B and continuous functions based on age last birthday.

INTEREST RATE

For all net premiums and net values to which we refer in this contract we use an effective rate of 4% a year.

EXCLUSIONS

When we compute net values, tabular values, and reduced paid-up insurance we exclude the value of any supplementary benefits and any other extra benefits added by rider to this contract.

VALUES AFTER 20 CONTRACT YEARS

MINIMUM LEGAL VALUES

The Prudential Insurance Company of America,

By /s/ A B C D

--------------------------------

Secretary

ORD 86304--88

EXHIBIT 26(d)(xxvii)

ENDORSEMENTS

(Only we can endorse this contract.)

VOTING RIGHTS

We are a mutual life insurance company. Our principal Office is in Newark, New Jersey, and we are incorporated in that State. By law, we have 24 directors. This includes 16 elected by our policyholders (four each year for four year terms), two of our Officers, and six public directors named by New Jersey's Chief Justice.

The election is held on the first Tuesday in April from 10:00 A.M. to 2:00 P.M. in our Office at Prudential Plaza, Newark, N.J. After this contract has been in force for one year, you may vote either in person or by mail. We will send you a ballot if you ask for one. Just write to the Secretary at Prudential Plaza, Newark, New Jersey 07101, at least 60 days before the election date. By law, your request must show your name, address, policy number and date of birth. Only individuals at least 18 years old may vote.

HOME OFFICE LOCATIONS

When we use the term Home Office, we mean any of these Prudential Offices:

CORPORATE OFFICE, NEWARK, N.J. NORTH CENTRAL HOME OFFICE,

MINNEAPOLIS, MINN.

EASTERN HOME OFFICE, SOUTH-CENTRAL HOME OFFICE,

FORT WASHINGTON, PA. JACKSONVILLE, FLA.

The Prudential Insurance Company of America,

By /s/ SPECIMEN

--------------------------------

Secretary

COMB 86184--88

EXHIBIT 26(d)(xxviii)

ENDORSEMENTS

(Only we can endorse this contract.)

BASIS OF COMPUTATION

MORTALITY TABLES DESCRIBED

Except as we state in the next paragraph, (1) we base all net premiums and net values to which we refer in this contract on the Insured's issue age and sex and on the length of time since the contract date; (2) we use the Commissioners 1980 Standard Ordinary Non-Smokers Mortality Table; and (3) we use continuous functions based on age last birthday.

For extended insurance, we base net premiums and net values on the Commissioners 1980 Non-Smokers Extended Term Insurance Table.

INTEREST RATE

For all net premiums and net values to which we refer in this contract we use an effective rate of 4% a year.

EXCLUSIONS

When we compute net values, tabular values, reduced paid-up insurance and extended insurance, we exclude the value of any supplementary benefits and any other extra benefits added by rider to this contract.

VALUES AFTER 20 CONTRACT YEARS

Tabular values not shown on page 4 will be computed using the standard nonforfeiture method and the mortality tables and interest rate we describe above. We show the nonforfeiture factors in the contract data pages.

MINIMUM LEGAL VALUES

The cash, loan and other values in this contract are at least as large as these set by law where it is delivered. Where required, we have given the insurance regulator a detailed statement of how we compute values and benefits.

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

--------------------------------

Secretary

ORD 86185--88

EXHIBIT 26(d)(xxix)

ENDORSEMENTS

(Only we can endorse this contract.)

BASIS OF COMPUTATION

MORTALITY TABLES DESCRIBED

Except as we state in the next paragraph, (1) we base all net premiums and net values to which we refer in this contract on the Insured's issue age and sex and on the length of time since the contract date; (2) we use the Commissioners 1980 Standard Ordinary Smokers Mortality Table; and (3) we use continuous functions based on age last birthday.

For extended insurance, we base net premiums and net values on the Commissioners 1980 Smokers Extended Term Insurance Table.

INTEREST RATE

For all net premiums and net values to which we refer in this contract we use an effective rate of 4% a year.

EXCLUSIONS

VALUES AFTER 20 CONTRACT YEARS

MINIMUM LEGAL VALUES

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

--------------------------------

Secretary

ORD 86203--88

EXHIBIT 26(d)(xxx)

RIDER FOR TERM INSURANCE BENEFIT ON LIFE OF

INSURED--DECREASING AMOUNT AFTER THREE YEARS

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages.

BENEFIT

We will pay an amount under this benefit if we receive due proof that the Insured died: (1) in the term period for the benefit; and (2) while this contract is in force and not in default beyond the last day of the grace period. Any proceeds under this contract that may arise from the Insured's death will include this amount. But our payment is subject to all the provisions of the benefit and of the rest of this contract.

We will use the table below to compute the amount we will pay. We show the initial amount of term insurance under this benefit on the contract data pages. We also show the term period for the benefit there. It starts on the contract date, which we show on the first page. The anniversary at the end of the term period is part of that period.

TABLE OF AMOUNTS OF INSURANCE

AMOUNTS PAYABLE

We show here the amount we will pay, based on the Insured's issue age, for each $1,000 of initial amount of term insurance if death occurs in the contract year ending with the anniversary shown.

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ISSUE AGE

---------------------------------------------------------------------------------------------------------

ANNIVER-

SARY

18 19 20 21 22 23 24 25 26 27 28

-------------------------------------------------------------------------------------------------------------------------------------------

1 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000

2 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000

3 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000

4 978 977 977 976 976 975 974 974 973 972 971

5 956 955 953 952 951 950 949 947 946 944 943

6 933 932 930 929 927 925 923 921 919 917 914

7 911 909 907 905 902 900 897 895 892 889 886

8 889 886 884 881 878 875 872 868 865 861 857

9 867 864 860 857 854 850 846 842 838 833 829

10 844 841 837 833 829 825 821 816 811 806 800

11 822 818 814 810 805 800 795 789 784 778 771

12 800 795 791 786 780 775 769 763 757 750 743

13 778 773 767 762 756 750 744 737 730 722 714

14 756 750 744 738 732 725 718 710 703 694 686

15 733 727 721 714 707 700 692 684 676 667 657

16 711 705 698 690 683 675 667 658 649 639 629

17 689 682 674 667 659 650 641 632 622 611 600

18 667 659 651 643 634 625 615 605 595 583 571

19 644 636 628 619 610 600 590 579 568 556 543

20 622 614 605 595 585 575 564 553 540 528 514

21 600 591 581 571 561 550 538 526 513 500 486

22 578 568 558 548 537 525 513 500 486 472 457

23 556 545 535 524 512 500 487 474 459 444 429

24 533 523 512 500 488 475 462 447 432 417 400

25 511 500 488 476 463 450 436 421 405 389 371

26 489 477 465 452 439 425 410 395 378 361 343

27 467 454 442 429 415 400 385 368 351 333 314

28 445 432 419 405 390 375 359 342 324 306 286

29 422 409 395 381 366 350 333 316 297 278 257

30 400 386 372 357 341 325 308 289 270 250 229

31 378 364 349 333 317 300 282 263 243 222 200

32 356 341 325 310 293 275 256 237 216 200 200

33 333 318 302 286 268 250 231 210 200 200 200

34 311 295 279 262 244 225 205 200 200 200 200

35 289 273 256 238 220 200 200 200 200 200 200

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AL 136B

---------------------------------------------------------------------------------------------------------------------

ISSUE AGE

---------------------------------------------------------------------------------------------------------------------

ANNIVER-

SARY 18 19 20 21 22 23 24 25 26 27 28

---------------------------------------------------------------------------------------------------------------------

36 $267 $250 $232 $214 $200 $200 $200 $200 $200 $200 $200

37 245 227 209 200 200 200 200 200 200 200 200

38 222 204 200 200 200 200 200 200 200 200 *

39 200 200 200 200 200 200 200 200 200 *

40 200 200 200 200 200 200 200 200 *

41 200 200 200 200 200 200 200 *

42 200 200 200 200 200 200 *

43 200 200 200 200 200 *

44 200 200 200 200 *

45 200 200 200 *

46 200 200 *

47 200 *

*NO AMOUNT PAYABLE IF DEATH OCCURS

IN THIS CONTRACT YEAR OR ANY LATER CONTRACT YEAR.

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ISSUE AGE

---------------------------------------------------------------------------------------------------------------------

ANNIVER-

SARY 29 30 31 32 33 34 35 36 37 38 39 40 41 42

---------------------------------------------------------------------------------------------------------------------

1 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000

2 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 l000

3 1000 1000 1000 1000 l000 1000 1000 1000 1000 1000 1000 1000 1000 1000

4 971 970 969 968 967 966 964 963 962 960 958 957 955 952

5 941 939 938 935 933 931 929 926 923 920 917 913 909 905

6 912 909 906 903 900 897 893 889 885 880 875 870 864 857

7 882 879 875 871 867 862 857 852 846 840 833 826 818 810

8 853 849 844 839 833 828 821 815 808 800 792 783 773 762

9 824 818 813 806 800 793 786 778 769 760 750 739 727 714

10 794 788 781 774 767 759 750 741 731 720 708 696 682 667

11 765 758 750 742 733 724 714 704 692 680 667 652 636 619

12 735 727 719 710 700 690 679 667 654 640 625 609 591 571

13 706 697 688 677 667 655 643 630 615 600 583 565 546 524

14 676 667 656 645 633 621 607 593 577 560 542 522 500 476

15 647 636 625 613 600 586 571 556 538 520 500 478 455 429

16 618 606 594 581 567 552 536 518 500 480 458 435 409 381

17 588 576 563 548 533 517 500 481 462 440 417 391 364 333

18 559 546 531 516 500 483 464 444 423 400 375 348 318 286

19 529 515 500 484 467 448 429 407 385 360 333 304 273 238

20 500 485 469 452 433 414 393 370 346 320 292 261 227 200

21 471 455 438 419 400 379 357 333 308 280 250 217 200 200

22 441 424 406 387 367 345 322 296 269 240 208 200 200 200

23 412 394 375 355 333 310 286 259 231 200 200 200 200 200

24 382 364 344 323 300 276 250 222 200 200 200 200 200 *

25 353 333 313 290 267 241 214 200 200 200 200 200 *

26 324 303 281 258 233 207 200 200 200 200 200 *

27 294 273 250 226 200 200 200 200 200 200 *

28 265 243 219 200 200 200 200 200 200 *

29 235 212 200 200 200 200 200 200 *

30 206 200 200 200 200 200 200 *

31 200 200 200 200 200 200 *

32 200 200 200 200 200 *

33 200 200 200 200 *

34 200 200 200 *

35 200 200 *

36 200 *

*NO AMOUNT PAYABLE IF DEATH OCCURS

IN THIS CONTRACT YEAR OR ANY LATER CONTRACT YEAR.

---------------------------------------------------------------------------------------------------------------------

AL 136B

---------------------------------------------------------------------------------------------------------------------

ISSUE AGE

---------------------------------------------------------------------------------------------------------------------

ANNIVER-

SARY

43 44 45 46 47 48 49 50 51 52 53 54 55

---------------------------------------------------------------------------------------------------------------------

1 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000

2 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000

3 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000

4 950 947 944 941 938 933 929 923 917 909 900 889 875

5 900 895 889 882 875 867 857 846 833 818 800 778 750

6 850 842 833 824 813 800 786 769 750 727 700 667 625

7 800 789 778 765 750 733 714 692 667 636 600 556 500

8 750 737 722 706 688 667 643 615 583 545 500 444 375

9 700 684 667 647 625 600 571 538 500 455 400 333 250

10 650 632 611 588 563 533 500 462 417 364 300 222 200

11 600 579 556 529 500 467 429 385 333 273 200 200 *

12 550 526 500 471 438 400 357 308 250 200 200 *

13 500 474 444 412 375 333 286 231 200 200 *

14 450 421 389 353 313 267 214 200 200 *

15 400 368 333 294 250 200 200 200 *

16 350 316 278 235 200 200 200 *

17 300 263 222 200 200 200 *

18 250 211 200 200 200 *

19 200 200 200 200 *

20 200 200 200 *

21 200 200 *

22 200 *

*NO AMOUNT PAYABLE IF DEATH OCCURS

IN THIS CONTRACT YEAR OR ANY LATER CONTRACT YEAR.

---------------------------------------------------------------------------------------------------------------------

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

You may be able to exchange this benefit for a new contract of life insurance on the Insured's life. In any of these paragraphs, when we use the phrase new contract we mean the contract for which the benefit may be exchanged. You will not have to prove that the Insured is insurable.

CONDITIONS

Your right to make this exchange is subject to all these conditions: (1) The amount we would have paid under this benefit if the Insured had died just before the contract date of the new contract must be large enough to meet the minimum for a new contract, as we describe under Contract Specifications. (2) You must ask for the exchange in writing and in a form that meets our needs. (3) You must send this contract to us to be endorsed. (4) We must have your request and the contract at our Home Office while the benefit is in force and at least five years before the end of its term period.

CONTRACT DATE

The date of the new contract will be the date you ask for in your request. But it may not be more than 61 days after the date of your request. It may not be less than five years before the end of the term period for the benefit. And it may not be more than 31 days before we have your request at our Home Office.

CONTRACT SPECIFICATIONS

The new contract will be in the same rating class as this contract. We will set the issue age and the premiums for the new contract in accord with our regular rules in use on its contract date.

AL 136B

The new contract may be on any life or endowment plan we would regularly issue on its contract date for the same rating class, amount, issue age and sex. But it cannot be any of these: (1) a single premium contract; or (2) one that insures anyone in addition to the Insured; or (3) one that includes or provides for term insurance other than extended insurance; or (4) one with premiums that increase after a stated time, if its first premium is less than 80% of any later premium; or (5) one with supplementary benefits other than the benefit to which we refer later in these paragraphs.

Its face amount will be the amount you ask for in your request. But except as we state below, that amount must be an amount we would regularly issue for the plan you choose. And it cannot be less than $10,000 or more than 80% of the amount we would have paid under this benefit if the Insured had died just before the contract date of the new contract. (Since $10,000 is 80% of $12,500, the amount we would have paid must be at least $12,500 for an exchange to be possible.) The face amount you want might be less than the smallest amount would regularly issue on the plan you wish. In that case 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 do so.

If: (1) the new contract is either on the Life Paid Up at Age 85 plan or has a premium period at least as long as for that plan; (2) this contract has a benefit for waiving or paying premiums in the event of disability; and (3) we would include that kind of benefit in other contracts like the new contract, we will put the benefit in the new contract. The benefit, if any, 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 this paragraph, when we use the phrase other contracts like it, we mean contracts we would regularly issue on the same plan and for the same rating class, amount, issue age and sex.

We will not deny a benefit for waiving or paying premiums that we would have allowed under this contract, and that we would otherwise allow under the new contract, just because disability started before the contract date of the new contract. But any premium to be waived or paid for that disability under the new contract must be at the frequency that was in effect for this contract when the disability started.

We will not waive or pay any premium under a new contract unless it has a benefit for waiving or paying premiums in the event of disability. This will be so even if we have waived or paid premiums under this contract.

CHANGES

You may be able to have this benefit changed to a new contract of life insurance (either with us or with a subsidiary of ours) other than in accord with the requirements for exchange that we state above. Or you may be able to exchange this benefit for an increase in the amount of insurance under this contract. But any change may be made only if we consent, and will be subject to conditions and charges that are then determined.

MISCELLANEOUS PROVISIONS

BENEFIT PREMIUMS AND CHARGES

Benefit premiums and monthly charges stop on the contract anniversary at the end of the term period for this benefit.

AL 136B

TERMINATION

This benefit 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 date the contract is surrendered under its Cash Value Option, if it has one;

3. the end of the last day before the contract date of any other contract (a) for which the benefit is exchanged, or (b) to which the benefit is changed;

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 benefit 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.

This Supplementary Benefit rider attached to this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

---------------------

Secretary

EXHIBIT 26(d)(xxxi)

RIDER FOR RENEWABLE TERM INSURANCE BENEFIT ON LIFE OF INSURED

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages.

BENEFIT

We will pay an amount under this benefit if we receive due proof that the Insured died: (1) in the term period or in any renewal term period for the benefit; and (2) while this contract is in force and not in default past its days of grace. Any proceeds under this contract that may arise from the Insured's death will include this amount. But our payment is subject to all the provisions of the benefit and of the rest of this contract.

We show the amount of term insurance under this benefit on the contract data pages. We also show the term period for the benefit there. It starts on the contract date that we show on the first page.

RENEWAL

You may renew this benefit at the end of either its term period or a renewal term period. You will not have to prove that the Insured is insurable. All these conditions must be met:

1. A renewal term period must start not later than the contract anniversary when the Insured's attained age is 70.

2. The contract must be in force and not in default beyond the last day of the grace period.

In any of these paragraphs when we use the phrase renewal term period we mean a term period for which this benefit may be renewed. Except as we state in the next sentence, a renewal term period will be for the same number of years that we show on page 3 for the term period of the benefit. But if a renewal term period begins on the contract anniversary when the Insured's attained age is 66, 67, 68 or 69, that renewal term period will be for the number of years between the Insured's attained age on that anniversary and age 70.

We show the amount(s) of renewal premiums on the contract data pages. We base them on the Insured's issue age and sex and on the length of time from the contract date to the due date of the first premium for the renewal term period. The first of the premiums to be paid during a renewal term period will be due on the anniversary at the end of the most recent of the term periods; the premium period for the renewal term period will start on that date.

The anniversary at the end of the final renewal term period is part of that term period.

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

CONDITIONS

AL 187B

CONTRACT DATE

The date of the new contract will be the date you ask for in your request. But it may not be more than 61 days after the date of your request. It may not be after the contract anniversary when the Insured's attained age is 70. And it may not be more than 31 days before we have your request at our Home Office.

CONTRACT SPECIFICATIONS

The new contract will be in the same rating class as this contract. We will set the issue age and the premiums for the new contract in accord with our regular rules in use on its contract date.

The new contract may be on any life or endowment plan we would regularly issue on its contract date for the same rating class, amount, issue age and sex. But it cannot be any of these: (1) a single premium contract; or (2) one that insures anyone in addition to the Insured; or (3) one that includes or provides for term insurance other than extended insurance; or (4) one with premiums that increase after a stated time, if its first premium is less than 80% of any later premium; or (5) one with supplementary benefits other than the benefit to which we refer later in these paragraphs.

Its face amount will be the amount you ask for in your request. But except as we state below, that amount must be an amount we would regularly issue for the plan you choose. And it cannot be less than $10,000 or more than the amount of term insurance for this benefit. The face amount you want might be less than the smallest amount we would regularly issue on the plan you wish. In that case 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 do so.

If: (1) the new contract is either on the Life Paid Up at Age 85 plan or has a premium period at least as long as for that plan; (2) this contract has a benefit for waiving or paying premiums in the event of disability; and (3) we would include that kind of benefit in other contracts like the new contract, we will put the benefit in the new contract. The benefit, if any, 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 this paragraph when we use the phrase other contracts like it we mean contracts we would regularly issue on the same plan and for the same rating class, amount, issue age and sex.

CHANGES

You may be able to have this benefit changed to a new contract of life insurance (either with us or with a subsidiary of ours) other than in accord with the requirements for exchange which we state above. Or, you may be able to exchange this benefit for an increase in the amount of insurance under this contract. But any change may be made only if we consent, and will be subject to conditions and charges that are then determined.

MISCELLANEOUS PROVISIONS

BENEFIT PREMIUMS AND CHARGES

Benefit premiums and monthly charges stop on the earlier of the death of the Insured and the end of the first renewal term period.

AL 187B

TERMINATION

This benefit 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 date the contract is surrendered under its Cash Value Option, if it has one;

3. the end of the last day before the contract date of any other contract (a) for which the benefit is exchanged, or (b) to which the benefit is changed;

4. the end of the day that is the first contract anniversary after the Insured's 75th birthday; and

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

This Supplementary Benefit rider attached to this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

----------------------

Secretary

AL 187B

EXHIBIT 26(d)(xxxii)

RIDER FOR LEVEL TERM INSURANCE BENEFIT ON LIFE OF INSURED SPOUSE

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages.

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 beyond the last day of the grace period. We will pay this amount to the beneficiary for insurance payable upon the insured spouse's death. But our payment is subject to all the provisions of the benefit 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 initial amount of term insurance under this benefit on the contract data pages. We also show the term period for the benefit there. It starts on the contract date, which we show on the first page. The anniversary at the end of the term period is part of that period.

PAID-UP INSURANCE

PAID-UP INSURANCE ON LIFE OF INSURED SPOUSE

The Insured might die: (1) in the term period for this benefit; (2) while this contract is in force and not in default past the last day of the grace period; and (3) while the insured spouse is living. In this case, 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 the 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.

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

While the Insured is living, you may be able to exchange this benefit for a new contract of life insurance on the life of the insured spouse. In any of these paragraphs, when we use the phrase new contract we mean the contract for which the benefit may be exchanged. You will not have to prove that the insured spouse is insurable.

CONDITIONS

Your right to make this exchange is subject to all these conditions: (1) The amount we would have paid under this benefit if the insured spouse had died just before the contract date of the new contract must be large enough to meet the minimum for a new contract, as we describe under Contract Specifications (2) You must ask for the exchange in writing and in a form that meets our needs. (3) You must send this contract to us to be endorsed. (4) We must have your request and the contract at our Home Office while the benefit is in force and at least five years before the end of its term period.

AL 186B

CONTRACT DATE

CONTRACT SPECIFICATIONS

The new contract will be in the standard rating class. We will set the issue age and the premiums for the new contract in accord with our regular rules in use on its contract date.

The new contract may be on any life or endowment plan we would regularly issue on its contract date for the same rating class, amount, issue age and sex. But it cannot be any of these: (1) a single premium contract; or (2) one that insures anyone in addition to the insured spouse; or (3) one that includes or provides for term insurance other than extended insurance; or (4) one with premiums that increase after a stated time, if its first premium is less than 80% of any later premium; or (5) one with supplementary benefits other than the benefit to which we refer later in these paragraphs.

Its face amount will be the amount you ask for in your request. But except as we state below, that amount must be an amount we would regularly issue for the plan you choose. And it cannot be less than $10,000 or more than 80% of the amount we would have paid under this benefit if the insured spouse had died just before the contract date of the new contract. (Since $10,000 is 80% of $12,500, the amount we would have paid must be at least $12,500 for an exchange to be possible.) The face amount you want might be less than the smallest amount we would regularly issue on the plan you wish. In that case 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 do so.

If: (1) the new contract is either on the Life Paid Up at Age 85 plan or has a premium period at least as long as for that plan; and (2) we would include in other contracts like it a benefit for waiving or paying premiums in the event of disability, here is what we will do. Even though this contract does not have that benefit on the life of the insured spouse, we will put it in a 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 we put in other contracts like it on its contract date. In this paragraph, when we use the phrase other contracts like it, we mean contracts we would regularly issue on the same plan and for the same rating class, amount, issue age and sex.

CHANGES

You may be able to have this benefit changed to a contract of life insurance (either with us or with a subsidiary of ours) other than in accord with the requirements for exchange 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.

MISCELLANEOUS PROVISIONS

OWNERSHIP AND CONTROL

Unless we endorse this contract to say otherwise, while the Insured is living the owner alone may exercise all ownership and control of this contract. This includes, but is not limited to, these rights: (1) to assign the contract; and (2) to change any subsequent owner. A request for such a change must be in writing to us at our Home Office and in a form that meets our needs. The change will take effect only when we endorse the contract to show it.

Unless we endorse this contract to say otherwise: (1) while any insurance is in force after the Insured's death, the owner of the contract will be the insured spouse; and (2) the owner alone will be entitled to (a) any contract benefit and value, and (b) 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.

Unless we endorse this contract to say 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.

AL 186B

The beneficiary for insurance payable upon the death of the insured spouse 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 Home 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 insured spouse 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.

MISSTATEMENT OF AGE OR SEX

If the insured spouse's stated age or sex or both are not correct, we will change each benefit and any amount payable to what the premium and charges would have bought for the correct age and sex.

SUICIDE EXCLUSION

If the insured spouse, whether sane or insane, dies by suicide within the period which we state in the Suicide Exclusion under General Provisions and while this benefit is in force, we will not pay the amount we describe under benefit above. Instead, we will pay no more than the sum of the monthly charges deducted for this benefit to the date of death plus the charge for applicable taxes. 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 we are given any facts we need to satisfy us that the insured spouse is insurable for the benefit.

CONTRACT VALUE OPTIONS

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 the insured spouse.

INCONTESTABILITY

Except for default, 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.

BENEFIT PREMIUMS AND CHARGES

Benefit premiums and monthly charges stop on the earliest of: (1) the death of the Insured, (2) the death of the insured spouse, and (3) the contract anniversary at the end of the term period for this benefit.

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 last day before the contract date of any other contract (a) for which the benefit is exchanged, or (b) to which the benefit is changed;

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.

AL 186B

This Supplementary Benefit rider attached to this contract on the Contract Date.

The Prudential Insurance Company of America,

By /s/ SPECIMEN

----------------------

Secretary

EXHIBIT 26(d)(xxxiii)(a)

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 available the payments described below if the Insured becomes terminally ill, has an organ transplant, or is receiving care in a nursing home.

DEFINITIONS

Convertible Proceeds.--The proceeds payable under this contract at the death of the Insured, after adjustment for any contract debt, excluding any term insurance arising 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 payable under the terminal illness option or the nursing home option. It will be computed based on the amount of convertible proceeds you elect to place under the option and a reduced life expectancy, calculated by us, that recognizes the Insured's eligibility for the benefit. We will also consider, when applicable:

1. expected future premiums;

2. future dividends according to the scale in effect when we make the computation;

3. continuation of any reduction in contractually 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 will be at least as great as the net cash value of the contract multiplied by the percentage of the convertible proceeds placed under the terminal illness option or the nursing home option, whichever is elected.

Eligible Organ Transplant Center.--A facility licensed or approved as an organ transplant center by the state in which it is located.

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 OPTION

If we receive evidence satisfactory to us, including certification by a licensed physician, that the Insured's life expectancy is 6 months or less, you may elect this option to provide equal monthly payments for 6 months. For each $1,000 of benefit base, each payment will be at least $168.37, which 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 present value of the remaining payments, calculated at the interest rate we used to determine those payments.

ORD 87241--89

If you do not wish to receive monthly payments, you may elect to receive a single sum of equivalent value.

ORGAN TRANSPLANT OPTION

You may elect this option if the Insured has a heart, liver, heart-lung, or bone marrow transplant prescribed by a licensed physician as necessary due to illness, injury, or infirmity. You may choose the amount you wish to receive, up to the lesser of the cost of the transplant and 75% of the convertible proceeds, but no more than $250,000. This amount will be paid to you in a single sum unless you ask to be paid in instalments. In that case, we will pay the equivalent amount in 6 monthly payments.

The transplant must be performed after the contract date in an eligible organ transplant center. We must have your request for payment at our Home Office no later than 90 days after the transplant has been performed.

NURSING HOME OPTION

If (1) the Insured is receiving care in an eligible nursing home and has received such care continuously for the preceding six months, and (2) we receive evidence satisfactory to us, including certification by a licensed physician, that the Insured is expected to remain in the nursing home until death, you may elect 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 that table, which assumes an annual interest rate of 5%.

ATTAINED AGE OF INSURED	PAYMENT PERIOD IN YEARS	MINIMUM MONTHLY 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 we agree, you may elect 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 monthly payments for the longer payment period is equal to the present value of the payments for the period shown in the table, calculated at 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 set a maximum, it will be at least $5,000; we will advise you of the amount before the payment period begins.

If you do not wish to receive monthly payments, you may elect to receive a single sum of equivalent value.

EFFECT ON CONTRACT

The convertible proceeds will be reduced by any amount used under one of these options.

If you use only a portion of your convertible proceeds under one of these options, the contract will remain in force and reduced premiums will be payable. For insurance included in the convertible proceeds, premiums, values, and the amount of insurance will be reduced in the same proportion as the reduction in convertible proceeds. Insurance not included in the convertible proceeds will be unaffected.

If you use only a portion of your convertible proceeds under the terminal illness option or the nursing home option, the remaining convertible proceeds must be at least $25,000.

ORD 87241--89

If you use all of your convertible proceeds under the terminal illness option or the nursing home option, 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 remain in effect and we will waive all future premiums for this insurance.

CONDITIONS

Your right to receive payment under any of these options is subject to the following conditions:

1. The contract must be in force other than as extended insurance.

2. You must elect 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 primary purpose of life insurance is to meet your estate planning needs. This benefit provides for the accelerated payment of life insurance proceeds and is not intended to cause you to involuntarily invade proceeds ultimately payable to the named beneficiary. Therefore, accelerated death benefit proceeds will be made available to you on a voluntary basis only.

Accordingly:

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

in order to apply for, obtain, or retain a government benefit or

entitlement, you are not eligible for this benefit.

RIGHT TO CANCEL

If you ask us in writing and send us the contract, we will cancel this rider.

Rider attached to and made a part of this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

--------------------

Secretary

ORD 87241--89

EXHIBIT 26(d)(xxxiii)(b)

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.

DEFINITIONS

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. a processing 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 OPTION

To choose this option you must give us evidence that 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%.

ORD 87241--90

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 OPTION

You may choose this option if: (1) the Insured is 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 $1000 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 OF INSURED	PAYMENT PERIOD IN YEARS	MINIMUM MONTHLY 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 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 CONTRACT

The convertible proceeds will be reduced by any amount 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.

ORD 87241--90

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 ultimately 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 CANCEL

If you ask us in writing and send us the contract, we will cancel this rider.

Rider attached to and made a part of this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ SUSAN L. BLOUNT

---------------------------

Secretary

ORD 87241--90

EXHIBIT 26(d)(xxxiii)(c)

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 needs an organ transplant.

DEFINITIONS

Convertible Proceeds.--The proceeds we would pay under this contract at the death of the Insured, less any contract debt and any term insurance (except level term insurance still in the conversion period and for which we charge a premium, or extended term insurance with at least one year remaining in the term).

Benefit Base.--The amount we will pay under the terminal illness option or the organ transplant option. It will be computed based on: (1) the amount of convertible proceeds you place under the option, (2) a reduced life expectancy, and (3) an interest rate no greater than the greater of:

(i) the yield on 90-day Treasury bills at the time of initial acceleration of benefits, and

(ii) the current maximum adjustable policy loan interest rate based on the greater of:

(a) Moody's Corporate Bond Yield Averages--Monthly Average Corporates--

published by Moody's Investors Service, Inc., or any successor

thereto, that is approved by the New York Superintendent of Insurance,

for the calendar month ending two month's before the date of

application for an accelerated payment, and

(b) the policy guaranteed cash value interest rate plus one percent per

annum.

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. a processing charge of up to $150.

TERMINAL ILLNESS OPTION

To choose this option, you must give us evidence that 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.

We will pay you the benefit base in one sum.

ORGAN TRANSPLANT OPTION

To choose this option, you must give us evidence that satisfies us that the Insured's life expectancy is 6 months or less unless the Insured receives a vital organ transplant; part of that evidence must be a certification by a licensed physician.

We will pay you the benefit base in one sum.

ORD 87241--91 NY

EFFECT ON CONTRACT

The convertible proceeds will be reduced by any amount 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, and the existing provisions for premium payment will continue to apply. 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.

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 in the last year of its term.

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. The minimum amount of convertible proceeds you may place under an option is the amount needed to provide a benefit of either 25% of the face amount of the contract or $50,000, whichever is less.

5. You must send us the contract.

(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 CANCEL

If you ask us in writing and send us the contract, we will cancel this rider.

Rider attached to and made a part of this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ SPECIMEN

---------------------------

Secretary

ORD 87241--91 NY

EXHIBIT 26(d)(xxxiv)

RIDER FOR RENEWABLE TERM INSURANCE BENEFIT

ON LIFE OF INSURED SPOUSE

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages.

BENEFIT

We will pay an amount under this benefit if we receive due proof that the insured spouse died: (1) in the term period or in any renewal 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. We will pay this amount to the beneficiary for insurance payable upon the insured spouse's death. But our payment is subject to all the provisions of the benefit 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 term insurance under this benefit on the contract data pages. We also show the term period for the benefit there. It starts on the contract date that we show on the first page.

RENEWAL

We will renew this benefit at the end of either its term period or a renewal term period. You will not have to prove that the insured spouse is insurable. All these conditions must be met:

1. A renewal term period must start not later than the contract anniversary

when the insured spouse's attained age is 69.

2. The contract must be in force and not in default past the last day of

the grace period.

3. We must be paid the first premium for a renewal term period as we

describe below.

In any of these paragraphs when we use the phrase renewal term period we mean a term period for which this benefit may be renewed. Except as we state in the next sentence, a renewal term period will be for the same number of years that we show on page 3 for the term period of the benefit. But if a renewal term period begins on the contract anniversary when the insured spouse's attained age is 66, 67, 68 or 69, that renewal term period will be for the number of years between the insured spouse's attained age on that anniversary and age 70.

We show the amounts of renewal premiums on the contract data pages. We base them on the insured spouse's issue age and sex and on the length of time from the contract date to the due date of the first premium for the renewal term period. The first of the premiums to be paid during a renewal term period will be due on the anniversary at the end of the most recent term period: the premium period for the renewal term period will start on that date.

The anniversary at the end of the final renewal term period is part of that term period.

PAID-UP INSURANCE

PAID-UP INSURANCE ON LIFE OF INSURED SPOUSE

The Insured might die: (1) in the term period or in any renewal term period for this benefit: (2) while this contract is in force and not in default past the last day of the grace period; and (3) while the insured spouse is living. In this case, 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 insured spouse's attained age 70. 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.

AL 189D

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

While the Insured is living, you may be able to exchange this benefit for a new contract of life insurance on the life of the insured spouse. You will not have to prove that the insured spouse is insurable. When we use the phrase new contract in this provision, we mean the contract for which the benefit may be exchanged.

CONDITIONS

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: (1) the insurance under the new contract took effect on its contract date; and (2) this benefit ended just before that contract date. We will return that part, if any, of the last premium paid for the benefit that is more than was needed to pay premiums to the contract date of the new contract.

PREMIUM CREDIT

If your request for a new contract is received at our Home Office before the fifth anniversary of this contract, we will allow a credit on each premium that is due or scheduled for payment during the first year of the new contract. If, as of the date of the new contract, this contract has been in force for at least one year, the credit will be equal to 10% of the premium for the new contract, excluding any premium or charge for an extra risk. If, as of the date of the new contract, this contract has been in force for less than one year, the credit will be equal to the credit determined in the preceding sentence, multiplied by the number of months for which this contract has been in force, divided by twelve. We will apply the credit to each due or scheduled first-year premium on the date we receive payment of the balance of that premium.

Example: You might request an exchange during the third year of this contract. Let us assume that premiums due or scheduled under the new contract resulting from the exchange would be $100 monthly (with no premium or charge for an extra risk). We would apply a credit of $10 on each date on which we receive payment of at least $90 for a monthly premium that is due or scheduled for payment during the first year of the new contract. If you requested this exchange after this contract had been in force for only 6 months, we would apply a credit of $5 ($10 multiplied by 6, divided by 12) on each date on which we receive payment of $95 for A monthly premium that is due or scheduled during the first year of the new contract.

CONTRACT DATE

The date of the new contract will be the date you ask for in your request. But it may not be after the date to which premiums are paid for this benefit. It may not be after the contract anniversary when the insured spouse's attained age is 65. And it may not be more than 31 days before we have your request at our Home Office.

CONTRACT SPECIFICATIONS

The new contract will be in the rating class we show for this benefit on the contract data pages. We will set the issue age and the premiums for the new contract in accordance with our regular rules in use on its contract date.

The new contract may be on any life or endowment plan we would regularly issue on its contract date for the same rating class, amount, issue age and sex. But it cannot be any of these: (1) a single premium contract; or (2) one that insures anyone in addition to the insured spouse; or (3) one that includes or provides for term insurance other than extended insurance; or (4) one with premiums that increase after a stated time, if its first premium is less than 80% of any later premium; or (5) one with supplementary benefits other than the benefit to which we refer later in these paragraphs.

AL 189D

Its face amount will be the amount you ask for in your request. But except as we state below, that amount must be an amount we would regularly issue for the plan you choose. And it cannot be less than $10,000 or more than the amount of term insurance for this benefit. The face amount you want might be less than the smallest amount we would regularly issue on the plan you want. In that case 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 do so.

If (1) the new contract is either on the Life Paid Up at Age 85 plan or has a premium period at least as long as for that plan, and (2) we would include in other contracts like it a benefit for waiving premiums in the event of disability, here is what we will do. Even though this contract does not have that kind of benefit on the life of the insured spouse, we will put that kind of benefit 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 we put in other contracts like it on its contract date. In this paragraph, 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.

We will not waive or pay any premium under the new contract unless the disability started on or after its contract date. And we will not waive or pay any premium under the new contract unless it has a benefit for waiving or paying premiums in the event of disability. This will be so even if we have waived or paid premiums under this contract.

MISCELLANEOUS PROVISIONS

CHANGES

You may be able to have this benefit changed to a contract of life insurance (either with us or with a subsidiary of ours) other than in accordance with the requirements for exchange 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 AND CONTROL

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, 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.

When a beneficiary is designated, any relationship shown is to the Insured, unless otherwise stated.

AL 189D

MISSTATEMENT OF AGE OR SEX

If the insured spouse's stated age or sex or both are not correct, we will change each benefit and any amount payable to what the premium and charges would have bought for the correct age and sex.

SUICIDE EXCLUSION

If the insured spouse, whether sane or insane, dies by suicide within the period which we state in the Suicide Exclusion under General Provisions, we will not pay the amount we describe under Benefit above. Instead, we will pay no more than the sum of the monthly charges deducted for this benefit. We will make that payment in one sum.

REINSTATEMENT

CONTRACT VALUE OPTIONS

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 the insured spouse.

INCONTESTABILITY

Except for default, 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.

BENEFIT PREMIUMS

We show the premiums for this benefit in the Schedule of Premiums in the contract data pages. From each premium payment we make the deductions shown under Schedule of Deductions from Premium Payments in these pages and the balance is the invested premium amount which is added to the contract fund.

The monthly charge for this benefit is deducted on each monthly date from the contract fund. The amount of the charge is included in the Schedule of Monthly Deductions from the Contract Fund in the contract data pages.

Benefit premiums and charges stop on the earliest of: (1) the death of the Insured, (2) the death of the insured spouse, and (3) the first contract anniversary that follows the end of the final renewal term period.

TERMINATION

This benefit 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 last day before the contract date of any other contract

(a) for which the benefit is exchanged, or (b) to which the benefit is

changed;

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;

4. the end of the day that is the first contract anniversary after the

insured spouse's 70th birthday; and

5. 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 first monthly date on or after we receive your request. Contract premiums and monthly charges due then and later will be reduced accordingly.

THIS SUPPLEMENTARY BENEFIT RIDER ATTACHED TO THIS CONTRACT ON THE CONTRACT

DATE

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

---------------------------

Secretary

AL 189D

EXHIBIT 26(d)(xxxv)

RIDER FOR LEVEL TERM INSURANCE BENEFIT

ON LIFE OF INSURED--PREMIUM INCREASES ANNUALLY

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data page(s).

BENEFIT

We will pay an amount under this benefit if we receive due proof that the Insured 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. Any proceeds under this contract that may arise from the Insured's death will include this amount. But our payment is subject to all the provisions of the benefit and of the rest of this contract.

We show the amount of term insurance under this benefit on the contract data page(s). We also show the term period for the benefit there. It starts on the contract date, which we show on the first page. The anniversary at the end of the term period is part of that period.

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

You may be able to exchange this benefit for a new contract of life insurance on the Insured's life. You will not have to prove that the Insured is insurable. When we use the phrase new contract in this provision, we mean the contract for which the benefit may be exchanged.

CONDITIONS

Your right to make this exchange is subject to all these conditions: (1) You must ask for the exchange in writing and in a form that meets our needs. (2) You must send this contract to us to be endorsed. (3) We must have your request and the contract at our Home office while the benefit is in force and not later than the second to occur of (a) the fifth contract anniversary; and (b) the contract anniversary on which the Insured's attained age is 65.

PREMIUM CREDIT

Example: You might request an exchange during the third year of this contract. Let us assume that premiums due or scheduled under the new contract resulting from the exchange would be $100 monthly, (with no premium or charge for an extra risk). We would apply a credit of $10 on each date on which we receive payment of at least $90 for a monthly premium that is due or scheduled for payment during the first year of the new contract. If you requested this exchange after this contract had been in force for only 6 months, we would apply a credit of $5 ($10 multiplied by 6, divided by 12) on each date on which we receive payment of $95 for a monthly premium that is due or scheduled during the first year of the new contract.

AL 188 D

CONTRACT DATE

The date of the new contract will be the date you ask for in your request. But it may not be after the date to which premiums are paid for this benefit. It may not be later than the second to occur of (a) the fifth contract anniversary; and (b) the contract anniversary on which the Insured's attained age is 65. And it may not be more than 31 days before we have your request at our Home Office.

CONTRACT SPECIFICATIONS

The new contract will be in the same rating class as this contract. We will set the issue age and the premiums for the new contract in accordance with our regular rules in use on its contract date.

The new contract may be on any life or endowment plan we would regularly issue on its contract date for the same rating class, amount, issue age and sex. But it cannot be any of these: (1) a single premium contract; or (2) one that insures anyone in addition to the Insured; or (3) one that includes or provides for term insurance other than extended insurance; or (4) one with premiums that increase after a stated time, if its first premium is less than 80% of any later premium; or (5) one with supplementary benefits other than the benefit to which we refer later in these paragraphs.

Its face amount will be the amount you ask for in your request. But except as we state below, that amount must be an amount we would regularly issue for the plan you choose. And it cannot be less than $10,000 or more than the amount of term insurance for this benefit. The face amount you want might be less than the smallest amount we would regularly issue on the plan you want. In that case 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 do so.

If (1) the new contract is either on the Life Paid Up at Age 85 plan or has a premium period at least as long as for that plan, (2) this contract has a benefit for waiving or paying premiums in the event of disability, and (3) we would include that kind of benefit in other contracts like the new contract, we will put that kind of benefit in the new contract. The benefit, if any, 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 this paragraph, 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.

We will not waive any premium under the new contract unless it has a benefit for waiving premiums in the event of disability. This will be so even if we have waived premiums under this contract.

MISCELLANEOUS PROVISIONS

CHANGES

You may be able to have this benefit changed to a new contract of life insurance (either with us or with a subsidiary of ours) other than in accordance with the requirements for exchange 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.

BENEFIT PREMIUMS AND CHARGES

We show the premiums for this benefit in the Schedule of Premiums in the contract data pages. From each premium payment, we make the deductions shown under Schedule of Deductions from Premium Payments in these pages and the balance is the invested premium amount which is added to the contract fund. Benefit premiums and monthly charges stop on the contract anniversary at the end of the term period for this benefit.

The monthly charge for this benefit is deducted on each monthly date from the contract fund. The amount of that charge is included in the Schedule of Monthly Deductions from the contract fund.

AL 188 D

TERMINATION

This benefit will end on the earliest of:

1. the end of its term period;

2. 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;

3. the end of the last day before the contract date of any other contract

(a) for which the benefit is exchanged, or (b) to which the benefit is

changed;

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

has one; and

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

This Supplementary Benefit rider attached to this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ SPECIMEN

-------------------------------

Secretary

AL 188 D

EXHIBIT 26(d)(xxxvi)

RIDER FOR TERM INSURANCE BENEFIT ON LIFE OF

INSURED--DECREASING AMOUNT

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages.

BENEFIT

We will pay an amount under this benefit if we receive due proof that the Insured died: (1) in the term period for the benefit: and (2) while this contract is in force and not in default beyond the last day of the grace period. Any proceeds under this contract that may arise from the Insured's death will include this amount. But our payment is subject to all the provisions of the benefit and of the rest of this contract.

We show the initial Amount of Term Insurance under this benefit on the contract data pages. We also show the term period for the benefit there. It starts on the contract date, which we show on the first page. The anniversary at the end of the term period is part of that period.

AMOUNTS PAYABLE

The amount we will pay depends on when death occurs. In the Table of Amounts of Insurance on the contract data pages we show the amount we will pay if death occurs in a given contract year.

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

CONDITIONS

PREMIUM CREDIT

If your request for a new contract is received at our Home Office before the fifth anniversary of this contract, we will allow a credit on each premium that is due or scheduled for payment during the first year of the new contract. If, as of the date of the new contract, this contract has been in force for at least one year, the credit will be equal to 10% of the premium for the new contract, excluding any premium or charge for an extra risk. If, as of the date of the new contract, this contract has been in force for less than one year, the credit will equal to the credit determined in the preceding sentence, multiplied by the number of months for which this contract has been in force, divided by twelve. We will apply the credit to each due or scheduled first-year premium on the date we receive payment of the balance of that premium.

Example: You might request an exchange during the third year of this contract. Let us assume that premiums due or scheduled under the new contract resulting from the exchange would be $100 monthly (with no premium or charge for an extra risk). We would apply a credit of $10 on each date on which we receive payment of a least $90 for a monthly premium that is due or scheduled for payment during the first year of the new contract. If you requested this exchange after this contract had been in force for only 6 months, we would apply a credit of $5 ($10 multiplied by 6, divided by 12) on each date on which we receive payment of $95 for a monthly premium that is due or scheduled during the first year of the new contract.

AL 130E

CONTRACT DATE

CONTRACT SPECIFICATIONS

The new contract will be in the same rating class as this contract. We will set the issue age and the premiums for the new contract in accordance with our regular rules in use on its contract date.

The new contract may be on any life or endowment plan we would regularly issue on its contract date for the same rating class, amount, issue age and sex. But it cannot be any of these: (1) a single premium contract: or (2) one that insures anyone in addition to the Insured: or (3) one that includes or provides for term insurance other than extended insurance: or (4) one with premiums that increase after a stated time, if its first premium is less than 80% of any later premium: or (5) one with supplementary benefits other than the benefit to which we refer later in these paragraphs.

Its face amount will be the amount you ask for in your request. But except as we state below, that amount must be an amount we would regularly issue for the plan you choose. And it cannot be less than $10,000 or more than 80% of an amount we would have paid under this benefit if the Insured had died just before the contract date of the new contract. (Since $10,000 is 80% of $12,500, the amount we would have paid must be at least $12,500 for an exchange to be possible.) The face amount you want might be less than the smallest amount we would regularly issue on the plan you wish. In that case 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 do so.

CHANGES

You may be able to have this benefit changed to a new contract of life insurance (either with us or with a subsidiary of ours) other than in accord with the requirements for exchange 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.

AL 130E

MISCELLANEOUS PROVISIONS

BENEFIT PREMIUMS AND CHARGES

We show the premiums for this benefit in the contract data pages. From each premium payment, we make the deductions as shown in these pages and the balance is the invested premium amount which is added to the contract fund.

The monthly charge for this benefit is deducted on each monthly date from the contract fund. The amount of that charge is also shown on the contract data pages.

Benefit premiums and monthly charges stop on the contract anniversary at the end of the tern period for this benefit.

TERMINATION

This benefit 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 last day before the contract date of any other contract

(a) for which the benefit is exchanged, or (b) to which the benefit is

changed;

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

has one; and

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

This Supplementary Benefit rider attached to this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

---------------------------

Secretary

AL 130E

EXHIBIT 26(d)(xxxvii)

RIDER FOR A LEVEL PREMIUM OPTION

This is a modified premium contract. On the contract change date (see Contract Change Date) the basic premium may increase to an amount no greater than that shown in the Schedule of Premiums in the contract data pages. This rider describes a level premium option which guarantees the basic level premium (excluding additional premiums for any supplementary benefits) will not change on the contract change date. But this is subject to all the provisions of this rider and of the rest of the contract.

BASIC LEVEL PREMIUMS

We show the amount and frequency of the basic level premium in the Optional Schedule Of Level Premiums included in this rider. An increase or decrease in the face amount will change the basic level premiums.

SCHEDULED LEVEL PREMIUMS

The scheduled level premiums are equal to the basic level premiums plus the charge for applicable taxes. The scheduled level premiums will change if the basic level premiums change or the charge for applicable taxes change. We show the amount of the first scheduled level premium in the level premium schedule.

The scheduled level premium is the minimum premium required, at the frequency chosen, to continue the contract in full force and to guarantee the basic premium will not increase on the contract change date. This assumes you pay all level scheduled premiums when due, you make no withdrawals, and any contract debt does not exceed the cash value.

LEVEL PREMIUM ACCOUNT

On the contract date, the level premium account is equal to the invested premium amount credited on that date, minus the basic level premium then due, plus the charge for payment processing. On any other day, the level premium account is equal to:

1. what it was on the prior day; plus

2. if the premium account was greater than zero on the prior day, interest

on the excess at 4% a year; minus

3. if the premium account was less than zero on the prior day, interest on

the deficit at 4% a year; plus

4. any invested premium amount credited on that day; minus

5. any basic level premium due on that day less the charge for payment

processing; minus

6. any withdrawals on that day.

On the contract change date, we will look at the level premium account described above. If the level premium account is zero or greater, we will not increase the basic premium from the amount shown in the schedule of level basic premiums. We may charge less. If the level premium account is less than zero, we will proceed as described under Contract Change Date(s).

If level scheduled premiums that are due are not paid, or if smaller payments are made, the premium may increase on the contract change date.

Payment of the level scheduled premium is at your option. We will bill you for the level scheduled premium if you ask us.

This rider does not change the guarantees associated with the payment of scheduled premiums as described under Premium Payment And Reinstatement.

Rider attached to and made a part of this contract on the Contract Date.

The Prudential Insurance Company of America,

By /s/ SPECIMEN

-------------------------

Secretary

ORD 88705-92

EXHIBIT 26(d)(xxxviii)

PAYMENT OF UNSCHEDULED PREMIUM BENEFIT

TOTAL DISABILITY BENEFIT

Under this rider we will pay the unscheduled premiums described below into the contract for you on the scheduled premium due dates while the Insured remains totally disabled. But this is subject to all the provisions of this benefit and of the rest of this contract.

DISABILITY DEFINED

When we use the words disability and disabled in this benefit we mean total disability and totally disabled. Here is how we define them: (1) until the Insured has stayed disabled for two years, we mean that he or she cannot, due to sickness or injury, do any of the duties of his or her regular occupation; but (2) after the Insured has stayed disabled for two years, we mean that he or she cannot, due to sickness or injury, do any gainful work for which he or she 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 disabled who is doing gainful work for which he or she is reasonably fitted by education, training, or experience. We will regard an Insured as disabled, even if working or able to work, if he or she 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 one foot at or above the ankle.

CONDITIONS

1. The Insured must become disabled while this contract is in force and not

in default past its days of grace.

2. The Insured must become disabled after the first contract year. If the

Insured's issue age is less than 5, the Insured must become disabled on

or after the first contract anniversary following his or her

5th birthday.

3. The Insured must become disabled before the first contract anniversary

following his or her 65th birthday.

4. The Insured must stay disabled for a period of at least 6 months while

living.

UNSCHEDULED PREMIUMS ELIGIBLE TO BE PAID BY US

If the Insured becomes disabled as described above, we will pay an unscheduled premium on each scheduled premium due date that occurs while the Insured remains disabled and prior to the first contract anniversary following his or her 65th birthday. In determining whether a due date occurs we will use the scheduled premium frequency in effect when the Insured becomes disabled. The total amount of unscheduled premiums we will pay in a contract year (the annual benefit amount) is described below.

The amount of each unscheduled premium we pay will depend on the frequency with which scheduled premiums are due. If the scheduled premiums are due annually, each unscheduled premium we pay will equal the benefit amount. If the scheduled premiums are due other than annually, each unscheduled premium payment will be correspondingly smaller.

ANNUAL BENEFIT AMOUNT

If the Insured becomes disabled during the first contract year, the annual benefit amount for that period of disability is zero.

If the Insured becomes disabled during the second contract year, the annual benefit amount for that period of disability is equal to the smaller of: (1) the maximum annual benefit amount shown for this benefit in the contract data pages, and (2) the amount in the premium account (the premium account is described elsewhere in this contract) at the start of the second contract year.

0RD 88966--93

If the Insured becomes disabled after the second contract year, the annual benefit amount for a period of disability will be the amount determined at the start of the contract year in which the Insured becomes disabled. It is equal to the smallest of: (1) the maximum annual benefit amount shown in the contract data pages, (2) the amount in the premium account divided by the number of whole years from the contract date, and (3) the annual benefit amount for the preceding contract year. The benefit amount may decrease only on a contract anniversary. It will never increase.

If the annual benefit amount determined at the start of the second contract year is less than $50, we will consider it to be zero. If any subsequent benefit amount is less than one-half of the benefit amount determined at the start of the second contract year, we will consider it to be zero.

EXCEPTIONS

We will not pay any unscheduled premiums if the Insured becomes disabled from: (1) an injury he causes to himself, or she causes to herself, on purpose; or (2) sickness or injury due to service on or after the contract date in the armed forces of any country(ies) at war. The word war means declared or undeclared war and includes resistance to armed aggression.

SUCCESSIVE DISABILITIES

Here is what happens if the Insured becomes disabled (even in the first contract year), then gets well, and then becomes disabled again. In this case, we will not apply the six-month period that would otherwise be required by Condition (4) and will consider the second period of disability to be part of the first period unless: (1) the Insured has done gainful work, for which he or she is reasonably fitted, for at least six months between the periods; or (2) the Insured became disabled the second time from an entirely different cause.

If we do not apply the six-month period required by Condition (4), we also will not count the days when there was no disability as part of the two year period when disability means the Insured cannot do any of the duties of his or her regular occupation.

NOTICE AND PROOF OF CLAIM

Notice and proof of any claim must be given to us, if possible, while the Insured is living and disabled. We may also require proof at reasonable times that the Insured is still disabled. After he or she has been disabled for two years, we will not ask for proof of continued disability more than once a year. 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.

WHEN WE WILL STOP PAYING ELIGIBLE UNSCHEDULED PREMIUMS

We will stop paying unscheduled premiums that we would otherwise pay if: (1) we ask for proof that the Insured is disabled and we do not receive it; or (2) we require that the Insured be examined and he or she fails to do so.

CHARGES

The monthly deduction from the contract fund for this benefit during any contract year will be the annual benefit amount for that contract year times the monthly rate. The monthly rate is shown in the contract data pages. Monthly deductions begin on the first contract anniversary.

ADDITIONAL UNSCHEDULED PREMIUMS DURING DISABILITY

You may make additional unscheduled premium payments as provided in the Unscheduled Premiums section of the contract even when we are paying unscheduled premiums under this benefit. These unscheduled premiums will not change the benefit amount during that period of disability.

REINSTATEMENT OF BENEFIT

If the conditions for reinstating this contract are met, this benefit may also be reinstated. To reinstate the full benefit, we must be paid an amount sufficient to restore the premium account to what it would have been had the contract not lapsed.

TERMINATION

This benefit 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 first contract anniversary following the

Insured's 65th birthday;

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

has one;

4. the contract anniversary on which the annual benefit amount is deemed to

be zero, as described under Annual Benefit Amount; and

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

CANCELLATION OF RIDER

If you ask us in writing, we will cancel this rider as of the date of your request.

RIDER ATTACHED TO AND MADE A PART OF THIS CONTRACT ON THE CONTRACT DATE.

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

---------------------------

Secretary

ORD 88966--93

EXHIBIT 26(d)(xxxix)

RIDER FOR SCHEDULED TERM INSURANCE BENEFIT

ON LIFE OF INSURED

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages.

BENEFIT

If we receive due proof that the Insured died while this rider was in force, we will include the amount of this benefit in any proceeds under the contract that may arise from that death. But our payment is subject to all the provisions of the benefit and of the rest of this contract.

We show the Schedule of Benefit Amounts on the contract data pages.

RIDER PREMIUMS AND CHARGES

We show the premiums for this rider on the contract data pages. From each premium payment, we make the deductions as shown in these pages and the balance is the invested premium amount which is added to the contract fund.

The monthly charge for this rider is deducted on each monthly date from the contract fund. (See the contract data pages.)

REQUESTED CHANGES IN SCHEDULE OF BENEFIT AMOUNTS

You may change the Schedule of Benefit Amounts once each contract year, while this rider is in force. You may do so subject to the following conditions:

1. You must ask for the change in writing and in a form that meets our

needs.

2. The change must be one permitted by our then current underwriting rules.

3. For an increase, you must give us any facts we need to satisfy us that

the Insured is insurable for the amount of the increase in the rating

class in effect at issue as shown on page 3. We will not approve an

increase if we are paying premiums according to any payment of premiums

benefit that may be included in the contract.

4. You must pay us any required underwriting fee.

5. You must send us the contract to be endorsed.

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT CONDITIONS

You may be able to exchange all or part of the term insurance under this Benefit for a new contract of life insurance on the Insured's life. You will not have to prove that the Insured is insurable. When we use the phrase new contract in this provision, we mean the contract for which the term insurance may be exchanged.

CONDITIONS

Your right to make this exchange is subject to all these conditions: (1) You must ask for the exchange in writing and in a form that meets our needs. (2) You must send this contract to us to be endorsed. (3) We must have your request and the contract at our Home Office while this rider is in force and not later than the second to occur of (a) the fifth contract anniversary; and (b) the contract anniversary on which the Insured's attained age is 65. (4) This Benefit amount will be reduced by the exchanged amount of term insurance and premiums will be reduced accordingly.

The new contract will not take effect unless the premium for it is paid while the Insured is living and within 31 days after its contract date. If the premium is paid as we state, it will be deemed that: (1) the insurance under the new contract took effect on its contract date; and (2) the exchanged amount of term insurance ended just before that contract date. With respect to the part of the last premium that was used to pay for the exchanged amount of term insurance, we will return any of such part that is more than was needed to pay premiums to the contract date of the new contract.

AL 193

CONTRACT DATE

The date of the new contract will be the date you ask for in your request. But it may not be more than 61 days after the date of your request. It may not be later than the second to occur of (a) the fifth contract anniversary; and (b) the one on which the Insured's attained age is 65. And it may not be more than 31 days before we have your request at our Home Office.

CONTRACT SPECIFICATIONS

The new contract will be in the same rating class as this contract. We will set the issue age and the premiums for the new contract in accordance with our regular rules in use on its contract date.

The new contract may be on any life or endowment plan we would regularly issue on its contract date for the same rating class, amount, issue age and sex. But it cannot be any of these: (1) a single premium contract; (2) one that insures anyone in addition to the Insured; (3) one that includes or provides for term insurance other than extended insurance; or (4) one with premiums that increase after a stated time, if its first premium is less than 80% of any later premium.

The new contract's face amount will be the amount you ask for in your request. It must be at least $10,000 and not more than the amount of term insurance that would have been in force under this Benefit on the contract date of the new contract if there had been no exchange. The face amount you want might be less than the smallest amount we would regularly issue on the plan you wish. In that case 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 do so.

The new contract may have supplementary benefits only if you give us any facts we need to satisfy us that the Insured is insurable for the benefit(s), and if we consent.

MISCELLANEOUS PROVISIONS

CHANGES

You may be able to have this Benefit changed to a new contract of life insurance other than in accord with the requirements for exchange 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.

SUICIDE

The Suicide Exclusion provision of the contract applies to this rider as issued.

The following statement applies only with respect to any increase in coverage that results from a request you make in accordance with this rider. If the Insured, whether sane or insane, dies by suicide within two years from the date of your application for the increase, we will pay no more than the sum of the premiums paid for the increase.

TERMINATION

This rider will end on the earliest of:

1. the end of the last year for which a benefit is shown in the Schedule of

Benefit Amounts;

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

for which the term insurance under this Benefit is exchanged or changed;

but this applies only if the amount of term insurance left under the

benefit after the exchange or change is less than the minimum allowed by

our rules;

3. the end of the last day of grace if the contract is in default;

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

has one; and

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

Further, if you ask us in writing, we will cancel the rider as of the last monthly date on or before the date we receive your request. If we do so, or if the rider ends as we describe in 2 above, contract premiums and monthly charges due then and later will be reduced accordingly.

This Supplementary Benefit rider attached to this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

------------------------

Secretary

AL 193

Exhibit 26(d)(xl)

ENDORSEMENTS

(Only we can endorse this contract.)

ALTERATION OF TEXT

The provision of this contract entitled "Assignment" is replaced

at issue by the following:

Assignment We will not be deemed to know of an assignment unless we receive

it, or a copy of it, at our Home Office. We are not obliged to

see that an assignment is valid or sufficient. This contract may

not be assigned to any employee benefit plan or program without

our consent. This contract may not be assigned if such assignment

would violate any federal, state, or local law or regulation

prohibiting sex distinct rates for insurance.

The Prudential Insurance Company of America,

By Dorothy K. Light

Secretary

--------------

ORD 89224-94

--------------

EXHIBIT 26(d)(xli)

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 was in force and not in default beyond the last day of the grace period. We will pay this amount to the beneficiary for insurance payable upon the insured spouse's death. But our payment is subject to all the provisions of the benefit 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 term insurance under 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.

BENEFIT PREMIUMS AND CHARGES

We show the premiums for this benefit on a contract data page. From each premium payment, we make the deductions shown under Schedule of Deductions from Premium Payments in these pages and the balance is the invested premium amount which is added to the Contract Fund.

The monthly charge for this benefit is deducted on each monthly date from the Contract Fund. The amount of that charge is included in the Schedule of Monthly Deductions from the Contract Fund in the contract data pages.

Benefit premiums and monthly charges stop on the earliest of: (1) the death of the Insured, (2) the death of the insured spouse, and (3) the first contract anniversary that follows the end of the term period.

PAID-UP INSURANCE

PAID-UP INSURANCE ON LIFE OF INSURED SPOUSE

If the Insured dies in the term period for this benefit, while this contract is in force and not in 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 during the remainder of the term period. While the 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 plus any dividend credits. But, within 30 days after a contract anniversary, the net cash value will not be less than it was on that anniversary, adjusted for any dividend credits that were surrendered since then. 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.

AL 451 B--96

MISCELLANEOUS

OWNERSHIP

While any insurance 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.

When a beneficiary is designated, any relationship shown is to the Insured, unless otherwise stated.

MISSTATEMENT OF AGE OR SEX

If the insured spouse's stated age or sex or both are not correct, we will change each benefit and any amount payable to what the premiums and charges would have bought for the correct age and sex.

SUICIDE EXCLUSION

If the insured spouse, whether sane or insane, dies 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 sum of the monthly charges deducted for this benefit to the date of death plus the charge for applicable taxes. We will make that payment in one sum.

REINSTATEMENT

INCONTESTABILITY

Except for default, 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.

AL 451 B--96

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; it

will not continue if either extended insurance or reduced paid-up insurance

takes effect;

2. 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;

3. the end of its term period; and

4. 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 we receive your request. Contract premiums and monthly charges due then and later will be reduced accordingly.

THIS SUPPLEMENTARY BENEFIT RIDER ATTACHED TO THIS CONTRACT ON THE CONTRACT DATE

The Prudential Insurance Company of America.

By /s/ SPECIMEN

-----------------------

Secretary

AL 451 B--96

EXHIBIT 26(d)(xlii)

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 show the amount of term insurance under 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.

BENEFIT PREMIUMS AND CHARGES

PAID-UP INSURANCE

PAID-UP INSURANCE ON LIFE OF INSURED SPOUSE

If the Insured dies in the term period for this benefit, while this contract is in force and not in 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 during the remainder of the term period. While the 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 plus any dividend credits. But, within 30 days after a contract anniversary, the net cash value will not be less than it was on that anniversary, adjusted for any dividend credits that were surrendered since then. 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.

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

While the Insured is living, you may convert this benefit to a new contract of life insurance on the life of the insured spouse. You will not have to prove that the insured spouse is insurable.

CONDITIONS

You must ask for the conversion in a form that meets our needs, while the benefit is in force, and on or before the fifth contract anniversary. The amount we would have paid under this benefit if the insured spouse had died just before the contract date of the new contract must be large enough to meet the minimum for a new contract, as we describe under Contract Specifications.

AL 450 B--96

PREMIUM CREDIT

If we receive your request for conversion before the fifth anniversary of this contract, we will allow a credit on each premium that is due or scheduled for payment during the first year of the new contract.

If this contract 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 contract has been in force for less than one year as of that date, the credit will be reduced to consider the portion of a year for which this contract has then been in force.

The full credit is equal to the premiums for the term insurance being converted that were due, on the premium mode in effect at the time of conversion, during the twelve months preceding the date of the new contract. Extra premiums or charges for extra risks or extra benefits other than a benefit for waiving premiums are not considered in determining this credit.

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.

CONTRACT DATE

You may choose any date for the contract date of the new contract that is not more than 61 days after the date of your request, not after the contract anniversary on which the insured spouse's attained age is 65, and not more than 31 days prior to the date we receive your request.

CONTRACT SPECIFICATIONS

The new contract will be in the rating class we show for this benefit on a contract data page. We will set the issue age and the premiums 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 on any life or endowment plan we 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.

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 benefit for waiving premiums on the life of an insured spouse, we will include this 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 any premium under the new contract unless it has a benefit for waiving premiums in the event of disability, even if we have waived premiums under this contract. And we will not waive any premium under the new contract unless the disability started on or after its contract date.

Any benefit for waiving premiums 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.

CHANGES

AL 450 B--96

MISCELLANEOUS

OWNERSHIP

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.

When a beneficiary is designated, any relationship shown is to the Insured, unless otherwise stated.

MISSTATEMENT OF AGE OR SEX

If the insured spouse's stated age or sex or both are not correct, we will change each benefit and any amount payable to what the premiums and charges would have bought for the correct age and sex.

SUICIDE EXCLUSION

If the insured spouse, whether sane or insane, dies 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 sum of the monthly charges deducted for this benefit to the date of death plus the charge for applicable taxes. We will make that payment in one sum.

REINSTATEMENT

INCONTESTABILITY

Except for default, 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.

AL 450 B--96

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; it

will not continue if either extended insurance or reduced paid-up insurance

takes effect;

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 under its Cash Value Option, if it has

one, 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.

THIS SUPPLEMENTARY BENEFIT RIDER ATTACHED TO THIS CONTRACT ON THE CONTRACT DATE

The Prudential Insurance Company of America,

By /s/ SPECIMEN

---------------------

Secretary

AL 450 B--96

EXHIBIT 26(d)(xliii)

RIDER FOR LEVEL TERM INSURANCE BENEFIT ON LIFE

OF INSURED PREMIUM INCREASES ANNUALLY

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 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.

We show the amount of term insurance under 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 term period is part of that period.

BENEFIT PREMIUMS AND CHARGES

We show the premiums for this benefit in the Schedule of Premiums in the contract data pages. From each premium payment, we make the deductions shown under Schedule of Deductions from Premium Payments in these pages and the balance is the invested premium amount which is added to the contract fund. Benefit premiums and monthly charges stop on the anniversary at the end of the term period.

The monthly charge for this benefit is deducted on each monthly date from the contract fund. The amount of that charge is included in the Schedule of Monthly Deductions from the contract fund.

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

You may convert this benefit to a new contract of life insurance on the Insured's life. You will not have to prove that the Insured is insurable.

CONDITIONS

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 this contract.

PREMIUM CREDIT

Upon conversion to a new contract with scheduled 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.

AL 402 B--96

CONTRACT DATE

If this contract is not in default, you may choose 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 SPECIFICATIONS

The new contract will be in the same rating class as this contract. 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.

If this contract has a waiver benefit in the event of the Insured's total disability, 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 deny a waiver benefit that we would have allowed under this contract, and that we would otherwise allow under the new contract, just because total disability started before the contract date of the new contract. Any premium to be waived or paid for total disability under the new contract must be on the monthly mode unless we agree otherwise. We will not waive or pay any premium under the new contract unless it has a waiver benefit, even if we have waived premiums under this contract due to the Insured's total disability.

AL 402 B--96

CHANGES

TERMINATION OF BENEFIT

This benefit will end on the earliest of:

1. The end of its term period;

2. the end of the last day of the grace period if the contract is in default;

it will not continue if either extended insurance or reduced paid-up

insurance takes effect;

3. the end of the last day before the contract date of any other contract to

which the benefit is converted or changed;

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

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

THIS SUPPLEMENTARY BENEFIT RIDER ATTACHED TO THIS CONTRACT ON THE CONTRACT DATE

The Prudential Insurance Company of America.

By /s/ SPECIMEN

--------------------------

Secretary

AL 402 B--96

EXHIBIT 26(d)(xliv)

RIDER FOR TERM INSURANCE BENEFIT ON

LIFE OF INSURED

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 died: (1) in the term period for the benefit; and(2) while this contract was in force and not in default beyond the last day of the grace period. But our payment is subject to all the provisions of the benefit and of the rest of this contract.

We show the amount of term insurance under 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.

BENEFIT PREMIUMS AND CHARGES

We show the premiums for this benefit on a contract data page. From each premium payment, we make the deductions as shown in these pages and the balance is the invested premium amount which is added to the Contract Fund.

The monthly charge for this benefit is deducted on each monthly date from the Contract Fund. The amount of that charge is also shown on a contract data page.

Benefit premium and monthly charges stop on the contract anniversary at the end of the term period for this benefit.

TERMINATION OF BENEFIT

This benefit will end on the earliest of:

1. the end of its term period;

2. the end of the last day of the grace period if the contract is in default,it

will not continue if either extended insurance or reduced paid-up insurance

takes effect;

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

one; and

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

Further, if you ask us in the premium period in a form that meets our needs, we will cancel the benefit 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.

THIS SUPPLEMENTARY BENEFIT RIDER ATTACHED TO THIS CONTRACTON THE CONTRACT DATE

The Prudential Insurance Company of America,

By /s/ SPECIMEN

-------------------

Secretary

AL 401 B--96

EXHIBIT 26(d)(xlv)

RIDER FOR TERM INSURANCE BENEFIT ON

LIFE OF INSURED

This benefit is a part of this contract only if it is listed on a contract date page.

BENEFIT

We will pay an amount under this benefit if we receive due proof that the Insured died: (1) in the term period for the benefit; and (2) while this contract was in force and not in default beyond the last day of the grace period. But our payment is subject to all the provisions of the benefit and of the rest of this contract.

We show the amount of term insurance under 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.

BENEFIT PREMIUMS AND CHARGES

The monthly charge for this benefit is deducted on each monthly date from the Contract Fund. The amount of that charge is also shown on a contract data page.

Benefit premium and monthly charges stop on the contract anniversary at the end of the term period for this benefit.

CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

You may convert this benefit to a new contract of life insurance on the Insured's life. You will not have to prove that the Insured is insurable. When we use the phrase new contract in this provision, we mean the contract to which this benefit may be converted.

CONDITIONS

You must ask for the conversion in a form that meets our needs, while this contract is in force, and on or before the fifth contract anniversary. The amount we would have paid under this benefit if the Insured had died just before the contract date of the new contract must be large enough to meet the minimum for the new contract, as we describe under Contract Specifications. We may require you to send us this contract.

PREMIUM CREDIT

The full credit is equal to the premiums for the term insurance being converted that were due, on the premium mode in effect at the time of conversion, during the twelve months preceding the date of the new contract. Extra premiums or charges for extra risks or extra benefits other than a benefit for waiving premiums are not considered in determining this credit.

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.

CONTRACT DATE

You may choose any contract date for the new contract that is not more than 61 days after the date of your request, not less than five years before the end of the term period for this benefit, and not more than 31 days prior to the date we receive your request.

AL 400 B--96

CONTRACT SPECIFICATIONS

The new contract will be in the same rating class as this contract. We will set the issue age and the premiums 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 on any life or endowment plan we 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.

If this contract has a benefit for waiving premiums in the event of disability, we will include a benefit for waiving premiums 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 deny a benefit for waiving premiums that we would have allowed under this contract, and that we would otherwise allow under the new contract, just because disability started before the contract date of the new contract. But any premium to be waived for disability under the new contract must be at the frequency that was in effect for this contract when the disability started. We will not waive any premium under the new contract unless it has a benefit for waiving premiums in the event of disability, even if we have waived premiums under this contract.

CHANGES

AL 400 B--96

TERMINATION OF BENEFIT

This benefit will end on the earliest of:

1. the end of its term period;

2. the end of the last day of the grace period if the contract is in default; it

will not continue if either extended insurance or reduced paid-up insurance

takes effect;

3. the end of the last day before the contract date of any other contract to

which the benefit is converted or changed;

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

one; and

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

THIS SUPPLEMENTARY BENEFIT RIDER ATTACHED TO THIS CONTRACT ON THE CONTRACT DATE.

The Prudential Insurance Company of America,

By /s/ SPECIMEN

-------------------

Secretary

AL 400 B--96

EXHIBIT 26(d)(xlvi)

ENDORSEMENTS

(Only we can endorse this contract.)

ALTERATION OF TEXT

This endorsement modifies certain provisions of the policy to which it is attached, as follows:

The first paragraph under List Of Investment Options is replaced with the following:

I. THE PRUDENTIAL VARIABLE APPRECIABLE ACCOUNT

This account is registered with the SEC under the Investment Company Act of 1940. Each investment option of this account invests in a specific portfolio of The Prudential Series Fund, Inc., and such other funds as we may specify from time to time. The Prudential Series Fund, Inc. and other funds identified below are registered with the SEC under the Investment Company Act of 1940 as open-end diversified management investment companies. We show below the available investment options and the funds and fund portfolios they invest in.

The Prudential Insurance Company of America.

By /s/ Susan L. Blount SPECIMEN

Secretary