EXHIBIT 30(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 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.

Amounts Payable

The amount we will pay depends on when death of the insured spouse occurs.

In the Table of Amounts of Insurance on the contract data page(s) we show the

amount we will pay if death occurs in a given contract year.

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 for decreasing amounts. We will compute these amounts from the Table

of Amounts of 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 the Insured, whether sane or insane, dies by suicide within the period

which we state in the Suicide Exclusion under General Provisions of the contract

and our liability is limited as we state for suicide in that provision, any

provision for paid-up insurance on the life of the insured spouse will not

apply. Instead, we will then offer to insure the insured spouse under a new

contract of whole life or endowment insurance. The new contract will be subject

to conditions and charges that are then determined, in accordance with regular

rules in effect at the time. Its amount will not be less than the greater of:

(1) the amount of insurance on the insured spouse's life under this contract,

and (2) the lowest amount offered for the plan of insurance to be provided by

the new contract. And proof that the insured spouse is insurable will not be

required, unless the new contract is to provide either an increased amount of

insurance or a benefit that did not apply to the insured spouse under this

contract.

If this offer is not accepted, we will include the sum of the premiums paid

for this benefit as part of the contract premiums to be returned at the time of

settlement.

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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 Non-Smoker 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. Bul 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 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.

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.

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

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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 more than 61 days after tne 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 davs before we have your request at our Home Office.

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 contract may be any of of the following:

1. A Life Paid Up at Age 85 plan. In this case the new contract will

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

will be the amount you ask for in your request. But it cannot be less than

$10,000 or more than 80% of the amount we would have paid under this

Benefit if the lnsured 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 the exchange to be possible.)

2. A contract of life insurance of a kind regularly being issued by

Pruco Life Insurance Company at that time for $25,000 or more. Its face

amount will be the amount you ask for in your request. But it cannot be

less than $25,000 or more than 80% of the amount we would have paid under

the Benefit if the Insured had died just before tne contract date of the

new contract. (Since $25.00 is 80% of $31,250, the amount we would have

paid must be at least $31,250 for this exchange to be possible.)

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

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.

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

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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.

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 premiums and charges

would have bought for the correct age and sex.

The Schedule of Premiums may show that premiums chance 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 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 cnarges

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

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.

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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

We show the premiums for this benefit in the contract data pages. From each

premium payment, we make the deductions shown on those 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 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 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 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; 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

Pruco Life Insurance Company,

By /s/ DOROTHY K. LIGHT

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

Secretary

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