<PAGE>




                                                                      Exhibit 24

                                POWER OF ATTORNEY


         KNOW ALL PERSONS BY THESE PRESENTS, that the person whose signature
appears below constitutes and appoints Thomas C. Castano, William J. Eckert, IV,
Clifford E. Kirsch, and Andrew J. Mako, each of them severally, his true and
lawful attorney-in-fact with power of substitution and resubstitution to sign in
his name, place and stead, in any and all capacities, to do any and all things
and execute any and all instruments that such attorney may deem necessary or
advisable under the Securities Exchange Act of 1934, and any rules, regulations
and requirements of the Securities and Exchange Commission (the "Commission") in
connection with filing with the Commission of an Annual Report on Form 10-K of
Pruco Life Insurance Company of New Jersey (the "Registrant") for the fiscal
year ended December 31, 2003 ("Form 10-K"); including specifically, but without
limiting the generality of the foregoing, the power and authority to sign his
name in his respective capacity as a member of the Board of Directors of the
Registrant to the Form 10-K and such other form or forms as may be appropriate
to be filed with the Commission as any of them may deem appropriate, together
will all exhibits thereto, and to any and all amendments thereto and to any
other documents filed with the Commission, as fully for all intents and purposes
as he might or could do in person, and hereby ratifies and confirms all said
attorneys-in-fact and agents, each acting alone, and his substitute or
substitutes, may lawfully do or cause to be done by virtue hereof.



         IN WITNESS WHEREOF, I have hereunto set my hand this 4th day of March
2004.











                                              /s/ David R. Odenath, Jr.
                                              ----------------------------------
                                                  David R. Odenath, Jr.









<PAGE>

                                                                      Exhibit 24

                                POWER OF ATTORNEY


         KNOW ALL PERSONS BY THESE PRESENTS, that the person whose signature
appears below constitutes and appoints Thomas C. Castano, William J. Eckert, IV,
Clifford E. Kirsch, and Andrew J. Mako, each of them severally, his true and
lawful attorney-in-fact with power of substitution and resubstitution to sign in
his name, place and stead, in any and all capacities, to do any and all things
and execute any and all instruments that such attorney may deem necessary or
advisable under the Securities Exchange Act of 1934, and any rules, regulations
and requirements of the Securities and Exchange Commission (the "Commission") in
connection with filing with the Commission of an Annual Report on Form 10-K of
Pruco Life Insurance Company of New Jersey (the "Registrant") for the fiscal
year ended December 31, 2003 ("Form 10-K"); including specifically, but without
limiting the generality of the foregoing, the power and authority to sign his
name in his respective capacity as a member of the Board of Directors of the
Registrant to the Form 10-K and such other form or forms as may be appropriate
to be filed with the Commission as any of them may deem appropriate, together
will all exhibits thereto, and to any and all amendments thereto and to any
other documents filed with the Commission, as fully for all intents and purposes
as he might or could do in person, and hereby ratifies and confirms all said
attorneys-in-fact and agents, each acting alone, and his substitute or
substitutes, may lawfully do or cause to be done by virtue hereof.


         IN WITNESS WHEREOF, I have hereunto set my hand this 26th day of
February 2004.











                                                   /s/ Vivian L. Banta
                                                   -----------------------------
                                                       Vivian L. Banta












<PAGE>


                                                                      Exhibit 24

                                POWER OF ATTORNEY


         KNOW ALL PERSONS BY THESE PRESENTS, that the person whose signature
appears below constitutes and appoints Thomas C. Castano, William J. Eckert, IV,
Clifford E. Kirsch, and Andrew J. Mako, each of them severally, his true and
lawful attorney-in-fact with power of substitution and resubstitution to sign in
his name, place and stead, in any and all capacities, to do any and all things
and execute any and all instruments that such attorney may deem necessary or
advisable under the Securities Exchange Act of 1934, and any rules, regulations
and requirements of the Securities and Exchange Commission (the "Commission") in
connection with filing with the Commission of an Annual Report on Form 10-K of
Pruco Life Insurance Company of New Jersey (the "Registrant") for the fiscal
year ended December 31, 2003 ("Form 10-K"); including specifically, but without
limiting the generality of the foregoing, the power and authority to sign his
name in his respective capacity as a member of the Board of Directors of the
Registrant to the Form 10-K and such other form or forms as may be appropriate
to be filed with the Commission as any of them may deem appropriate, together
will all exhibits thereto, and to any and all amendments thereto and to any
other documents filed with the Commission, as fully for all intents and purposes
as he might or could do in person, and hereby ratifies and confirms all said
attorneys-in-fact and agents, each acting alone, and his substitute or
substitutes, may lawfully do or cause to be done by virtue hereof.


         IN WITNESS WHEREOF, I have hereunto set my hand this 27th day of
February 2004.











                                                   /s/ Richard J. Carbone
                                                   -----------------------------
                                                       Richard J. Carbone











<PAGE>


                                                                      Exhibit 24

                                POWER OF ATTORNEY


         KNOW ALL PERSONS BY THESE PRESENTS, that the person whose signature
appears below constitutes and appoints Thomas C. Castano, William J. Eckert, IV,
Clifford E. Kirsch, and Andrew J. Mako, each of them severally, his true and
lawful attorney-in-fact with power of substitution and resubstitution to sign in
his name, place and stead, in any and all capacities, to do any and all things
and execute any and all instruments that such attorney may deem necessary or
advisable under the Securities Exchange Act of 1934, and any rules, regulations
and requirements of the Securities and Exchange Commission (the "Commission") in
connection with filing with the Commission of an Annual Report on Form 10-K of
Pruco Life Insurance Company of New Jersey (the "Registrant") for the fiscal
year ended December 31, 2003 ("Form 10-K"); including specifically, but without
limiting the generality of the foregoing, the power and authority to sign his
name in his respective capacity as a member of the Board of Directors of the
Registrant to the Form 10-K and such other form or forms as may be appropriate
to be filed with the Commission as any of them may deem appropriate, together
will all exhibits thereto, and to any and all amendments thereto and to any
other documents filed with the Commission, as fully for all intents and purposes
as he might or could do in person, and hereby ratifies and confirms all said
attorneys-in-fact and agents, each acting alone, and his substitute or
substitutes, may lawfully do or cause to be done by virtue hereof.


         IN WITNESS WHEREOF, I have hereunto set my hand this 5th day of March
2004.











                                                   /s/ Helen M. Galt
                                                   -----------------------------
                                                       Helen M. Galt









<PAGE>


                                                                      Exhibit 24

                                POWER OF ATTORNEY


         KNOW ALL PERSONS BY THESE PRESENTS, that the person whose signature
appears below constitutes and appoints Thomas C. Castano, William J. Eckert, IV,
Clifford E. Kirsch, and Andrew J. Mako, each of them severally, his true and
lawful attorney-in-fact with power of substitution and resubstitution to sign in
his name, place and stead, in any and all capacities, to do any and all things
and execute any and all instruments that such attorney may deem necessary or
advisable under the Securities Exchange Act of 1934, and any rules, regulations
and requirements of the Securities and Exchange Commission (the "Commission") in
connection with filing with the Commission of an Annual Report on Form 10-K of
Pruco Life Insurance Company of New Jersey (the "Registrant") for the fiscal
year ended December 31, 2003 ("Form 10-K"); including specifically, but without
limiting the generality of the foregoing, the power and authority to sign his
name in his respective capacity as a member of the Board of Directors of the
Registrant to the Form 10-K and such other form or forms as may be appropriate
to be filed with the Commission as any of them may deem appropriate, together
will all exhibits thereto, and to any and all amendments thereto and to any
other documents filed with the Commission, as fully for all intents and purposes
as he might or could do in person, and hereby ratifies and confirms all said
attorneys-in-fact and agents, each acting alone, and his substitute or
substitutes, may lawfully do or cause to be done by virtue hereof.


         IN WITNESS WHEREOF, I have hereunto set my hand this 27th day of
February 2004.











                                                   /s/ Ronald P. Joelson
                                                   -----------------------------
                                                       Ronald P. Joelson










<PAGE>

                                                                      Exhibit 24

                                POWER OF ATTORNEY


         KNOW ALL PERSONS BY THESE PRESENTS, that the person whose signature
appears below constitutes and appoints Thomas C. Castano, William J. Eckert, IV,
Clifford E. Kirsch, and Andrew J. Mako, each of them severally, his true and
lawful attorney-in-fact with power of substitution and resubstitution to sign in
his name, place and stead, in any and all capacities, to do any and all things
and execute any and all instruments that such attorney may deem necessary or
advisable under the Securities Exchange Act of 1934, and any rules, regulations
and requirements of the Securities and Exchange Commission (the "Commission") in
connection with filing with the Commission of an Annual Report on Form 10-K of
Pruco Life Insurance Company of New Jersey (the "Registrant") for the fiscal
year ended December 31, 2003 ("Form 10-K"); including specifically, but without
limiting the generality of the foregoing, the power and authority to sign his
name in his respective capacity as a member of the Board of Directors of the
Registrant to the Form 10-K and such other form or forms as may be appropriate
to be filed with the Commission as any of them may deem appropriate, together
will all exhibits thereto, and to any and all amendments thereto and to any
other documents filed with the Commission, as fully for all intents and purposes
as he might or could do in person, and hereby ratifies and confirms all said
attorneys-in-fact and agents, each acting alone, and his substitute or
substitutes, may lawfully do or cause to be done by virtue hereof.


         IN WITNESS WHEREOF, I have hereunto set my hand this 4th day of March
2004.











                                                   /s/ James J. Avery, Jr.
                                                   -----------------------------
                                                       James J. Avery, Jr.