EXHIBIT 1.A.(13)(z)
Pruco Life Insurance Company of New Jersey
Insured Rider for Policy No.
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AUTOMATIC PREMIUM LOAN
If this provision is in effect at the end of the days of grace of a premium in
default, the premium will be paid by charging it as a loan on the contract. But
this will be done only if there is enough loan value to do so.
A loan to pay a premium is just like any other loan on the contract (described
under Loans). When we compute the loan values, we will do so as if the premium
to be borrowed had been paid. When a premium is paid by loan, we will not use
the net cash value to provide extended or reduced paid-up insurance at that
time.
This provision is in effect because we were asked to make it so. You have the
right to decide whether or not you want it to be in effect at any time. If you
change your mind, you must ask us in writing; your new request will take effect
as soon as we have it at our Service Office.
RIDER ATTACHED TO AND MADE A PART OF THIS CONTRACT
ON
Pruco Life Insurance Company of New Jersey,
By /s/ SPECIMEN
Secretary
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PLY 25--82 Printed in U.S.A
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II-157
