RIDER FOR FLEXIBLE TERM INSURANCE BENEFIT
ON LIFE OF INSURED
This rider is a part of this contract only if it is listed on a contract data page.
Rider Death Benefit We will pay an amount under this benefit if we receive due proof that the Insured died; (1) in the
term period for this benefit; and (2) while this contract is in force and not in default past the
last day of the grace period. The term period starts on the contract date. The term period ends on
the contract anniversary on or after the Insured's one hundredth birthday. Our payment is subject
to all the provisions of the benefit and of the rest of the contract.
To determine the rider death benefit on any date, we first take the effective Target Coverage
Amount shown in the Life Insurance on the Insured section of the contract data pages and subtract
from it the death benefit as calculated in the Death Benefit provision. If this contract has a
Type A death benefit (see Type of Death Benefit in the contract data pages), the resultant amount
is the rider death benefit. If this contract has a Type B death benefit, the rider death benefit
is the resultant amount plus the contract fund before deduction of any monthly charges due on that
date.
If the rider death benefit is less than zero, we consider it to be zero.
Rider Charges On each monthly date, we will deduct a charge for this rider from the contract fund. To
determine the maximum charge for this rider, we use the following method:
We determine the maximum cost of insurance rate for each currently effective rider coverage
segment amount shown in the Segment Table in the contract data pages using the maximum monthly
rate shown under the Table of Maximum Monthly Insurance Rates for the appropriate rating class. If
there is only one rider coverage segment amount currently in effect, we multiply the rate by the
rider death benefit amount divided by $1000.
If there are two or more rider coverage segment amounts currently in effect, we first allocate the
rider death benefit amount to each rider coverage segment based on the proportion of its rider
coverage amount to the total of all rider coverage amounts currently in effect. We multiply the
rate by the apportioned rider death benefit amount for each rider segment component amount divided
by $1000 and add the results.
We will also deduct a monthly administrative charge for this rider as shown under Adjustments to
the Contract Fund.
Requested Changes in You may change the Rider Coverage Amount, while this rider is in force, subject to our Rider Coverage
Amount approval and the following conditions:
1. You must ask for the change in a form that meets our needs.
2. The change must be one permitted by our current underwriting rules.
3. The amount of an increase or decrease must be at least equal to the minimum increase or
decrease in the Rider Coverage Amount shown under Contract Limitations in the contract data pages.
4. The Rider Coverage Amount after a decrease must be at least equal to the minimum Rider Coverage
Amount shown under Contract Limitations in the contract data pages.
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5. If we ask you to do so, you must send us the contract to be endorsed.
6. You must prove to us that the Insured is insurable for any increase.
7. The contract must not be in default.
8. We may deny an increase if it would cause the number of segments shown in the Segment Table in
the contract data pages to exceed ninety-nine.
A change will take effect only if we approve your request for it at our Home Office. Unless you
ask us otherwise, the change will take effect on the monthly date immediately following the date
we approve the change. You may request an earlier date, but it may not be more than 90 days prior
to the date of request. If we approve the change, we will also recompute the contract's charges,
values and limitations. We will send you new contract data pages showing the amount and effective
date of the change and the recomputed charges, values and limitations. If the Insured is not
living on the effective date, the change will not take effect. We may deduct the administrative
charge (shown under Adjustments to the Contract Fund) for the change.
Effect of a Withdrawal To determine the effect of a withdrawal on the rider coverage amount, we first compute the
on the Rider Coverage following: (A) The net amount at risk (see Contract Fund) plus the rider death benefit (see
Amount Rider Death Benefit) immediately prior to the withdrawal; and (B) The net amount at risk plus the
rider death benefit immediately following the withdrawal (see Withdrawals).
If amount (A) is equal to or greater than amount (B), the withdrawal will have no effect on the
Rider Coverage Amount.
If amount (A) is less than amount (B), we consider this amount to be an increase in the total
amount at risk. You must prove to us that the Insured is insurable for this increase. Otherwise,
we may reduce the Rider Coverage Amount and, consequently, the Target Coverage Amount by the
amount of this increase. The reduction in the coverage amounts will never be greater than the
withdrawal amount. We will send you new contract data pages showing the amount and effective date
of the change and the recomputed charges, values and limitations.
Suicide The Suicide Exclusion provision of the contract applies to this rider as issued.
If the Insured, whether sane or insane, dies by suicide after two years from the issue date but
within two years of the effective date of an increase in the Rider Coverage Amount, we will pay,
as to the increase in the Rider Coverage Amount, no more than the sum of the premiums paid on and
after the effective date of the increase.
Termination This rider will end on the earliest of:
1. the end of its term period;
2. the end of the grace period if the contract is in default and the premium required to bring
it out of default has not been paid;
3. the date the contract is surrendered for its net cash value 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
Pruco Life Insurance Company,
By SPECIMEN
Secretary
VL 197 B-2003
