# EDGAR Filing Document

**Accession Number:** 0000741313
**File Stem:** 0000741313-26-000014
**Filing Date:** 2026-4
**Character Count:** 412747
**Document Hash:** 8c938b130729778163d0bbb78180d10f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000741313-26-000014.hdr.sgml**: 20260409

**ACCESSION NUMBER**: 0000741313-26-000014

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 6

**FILED AS OF DATE**: 20260409

**DATE AS OF CHANGE**: 20260409

**EFFECTIVENESS DATE**: 20260501

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT
- **CENTRAL INDEX KEY:** 0000741313

**ORGANIZATION NAME:**
- **EIN:** 222426091
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-03974
- **FILM NUMBER:** 26851066

**BUSINESS ADDRESS:**
- **STREET 1:** PRUCO LIFE INSURANCE CO OF NEW JERSEY
- **STREET 2:** 213 WASHINGTON STREET
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102
- **BUSINESS PHONE:** 860-534-6087

**MAIL ADDRESS:**
- **STREET 1:** PRUCO LIFE INSURANCE CO OF NEW JERSEY
- **STREET 2:** 213 WASHINGTON STREET
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT
- **CENTRAL INDEX KEY:** 0000741313

**ORGANIZATION NAME:**
- **EIN:** 222426091
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 002-89780
- **FILM NUMBER:** 26851065

**BUSINESS ADDRESS:**
- **STREET 1:** PRUCO LIFE INSURANCE CO OF NEW JERSEY
- **STREET 2:** 213 WASHINGTON STREET
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102
- **BUSINESS PHONE:** 860-534-6087

**MAIL ADDRESS:**
- **STREET 1:** PRUCO LIFE INSURANCE CO OF NEW JERSEY
- **STREET 2:** 213 WASHINGTON STREET
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102

## Series and Classes Contracts Data

### PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT (Series ID: S000000719)

| Class ID   | Class Name                                              | Ticker Symbol   |
|:---|:---|:---|
| C000002092 | Pruco Life of New Jersey Variable Appreciable Life VAL2 |  |

---

| | |
|:---|:---|
| **As filed with the SEC on <u>April 9, 2026</u> .**  | **Registration Nos. 002-89780** |
| **811-03974** | **811-03974** |
| **UNITED STATES** | **UNITED STATES** |
| **SECURITIES AND EXCHANGE COMMISSION** | **SECURITIES AND EXCHANGE COMMISSION** |
| **Washington, D.C. 20549** | **Washington, D.C. 20549** |
| **FORM N-6** | **FORM N-6** |
| **REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933** | **REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pre-Effective Amendment No. ___ | &nbsp;&nbsp;&nbsp;&nbsp;**☐** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Post-Effective Amendment No. 57 | &nbsp;&nbsp;&nbsp;&nbsp;**☑** |
| and/or | and/or |
| **REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940** | **REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendment No. 266 | &nbsp;&nbsp;&nbsp;&nbsp;**☑** |
| <u>(Check appropriate box or boxes.)</u> | <u>(Check appropriate box or boxes.)</u> |
| **PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT** | **PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT** |
| (Exact Name of Registrant) | (Exact Name of Registrant) |
| **PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY** | **PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY** |
| (Name of Depositor) | (Name of Depositor) |
| **213 Washington Street** | **213 Washington Street** |
| **Newark, New Jersey 07102** | **Newark, New Jersey 07102** |
| **800-778-2255** | **800-778-2255** |
| (Address and telephone number of principal executive offices) | (Address and telephone number of principal executive offices) |
| <u>_____________</u> | <u>_____________</u> |
| **Amy M. Woltman** | **Amy M. Woltman** |
| **Pruco Life Insurance Company of New Jersey** | **Pruco Life Insurance Company of New Jersey** |
| **751 Broad Street** | **751 Broad Street** |
| **Newark, New Jersey 07102** | **Newark, New Jersey 07102** |
| (Name and address of agent for service) | (Name and address of agent for service) |
| COPIES TO: | COPIES TO: |
| **Christopher J. Madin** | **Christopher J. Madin** |
| **Vice President and Corporate Counsel** | **Vice President and Corporate Counsel** |
| **Pruco Life Insurance Company of New Jersey** | **Pruco Life Insurance Company of New Jersey** |
| **280 Trumbull Street** | **280 Trumbull Street** |
| **Hartford, Connecticut 06103** | **Hartford, Connecticut 06103** |
| <u>_____________</u> | <u>_____________</u> |
| Approximate Date of Proposed Public Offering: ___ | Approximate Date of Proposed Public Offering: ___ |
| **It is proposed that this filing will become effective (check appropriate space):** | **It is proposed that this filing will become effective (check appropriate space):** |
| **☐** immediately upon filing pursuant to paragraph (b) of rule 485 | **☐** immediately upon filing pursuant to paragraph (b) of rule 485 |
| **☑** on <u>May 1, 2026</u> pursuant to paragraph (b) of rule 485 | **☑** on <u>May 1, 2026</u> pursuant to paragraph (b) of rule 485 |
| **☐** 60 days after filing pursuant to paragraph (a)(1) of rule 485 | **☐** 60 days after filing pursuant to paragraph (a)(1) of rule 485 |
| **☐** on <u>(date)</u> pursuant to paragraph (a)(1) of rule 485 under the Securities Act. | **☐** on <u>(date)</u> pursuant to paragraph (a)(1) of rule 485 under the Securities Act. |
| **If appropriate, check the following box:** |  |
| **☐** This Post-Effective Amendment designates a new effective date for a previously filed Post-Effective Amendment. | **☐** This Post-Effective Amendment designates a new effective date for a previously filed Post-Effective Amendment. |

---

**PROSPECTUS**

**May 1, 2026**

***Variable Appreciable Life®***

AN INDIVIDUAL, FLEXIBLE PREMIUM, VARIABLE LIFE INSURANCE CONTRACT ISSUED BY:

**PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY**

**PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT**

**213 WASHINGTON STREET**

**NEWARK, NEW JERSEY 07102**

**TELEPHONE: (800) 778-2255**

*The* ***Variable Appreciable Life®*** *Contract described in this prospectus was offered from July 18, 1984 through September 28, 1986, under form number VAL-84 and from September 29, 1986 through April 30, 1992, under form number VAL-86. Depending on the Death Benefit option selected, your Contract will either be Form A (VALA-84 or VALA-86) or Form B (VALB-84 or VALB-86). A state and/or other code may follow the form number. Your Contract's form number is located in the lower left-hand corner of the first page of your Contract.*

**As of May 1, 1992, Pruco Life Insurance Company of New Jersey no longer offered this Contract for sale.**

This prospectus describes the ***Variable Appreciable Life*®** Contract (the "Contract") offered by Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey", "us", "we", or "our") under the name ***Variable Appreciable Life*®** Insurance.

**Please read this prospectus for your *Variable Appreciable Life®* Contract and keep it for future reference.** Capitalized terms used in this prospectus are defined where first used or in the **GLOSSARY: Definitions Of Special Terms Used In This Prospectus**.

You (the "Contract Owner") may choose to invest your Contract's premiums and its earnings in one or more of the available Variable Investment Options of Pruco Life of New Jersey Variable Appreciable Account (the "Separate Account" or "Account"). The Account offers Variable Investment Options from Prudential and the Advanced Series Trust. A complete list of the available Funds is included in this prospectus.

You may also choose to invest your Contract's premiums and its earnings in the Fixed Rate Option, referred to as the "fixed account" in your Contract, which pays a guaranteed interest rate.

In compliance with U.S. law, Pruco Life of New Jersey delivers this prospectus to Contract Owners that currently reside outside of the United States. In addition, we may not market or offer benefits, features, or enhancements to prospective or current Contract Owners while outside of the United States.

Additional information about certain investment products, including variable life insurance, has been prepared by the Securities and Exchange Commission's ("SEC") staff and is available at www.Investor.gov.

**Neither the SEC nor any state securities commission has approved or disapproved of these securities or determined that this Contract is a good investment, nor has the SEC determined that this prospectus is complete or accurate. It is a criminal offense to state otherwise.**

**The Contract may have been purchased through registered representatives located in banks and other financial institutions. Investment in a variable life insurance contract is subject to risk, including the possible loss of your money. An investment in Pruco Life of New Jersey *Variable Appreciable Life***<sup>®</sup> **is not a bank deposit and is not insured by the Federal Deposit Insurance Corporation ("FDIC") or any other governmental agency.**

------

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| | **Page** |
| **<u>[KEY INFORMATION](#i6be4340899a1406ca41416e30512b09a_619)</u>** | <u>[2](#i6be4340899a1406ca41416e30512b09a_619)</u> |
| **<u>[OVERVIEW OF THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_10)</u>** | <u>[3](#i6be4340899a1406ca41416e30512b09a_10)</u> |
| **<u>[FEE TABLE](#i6be4340899a1406ca41416e30512b09a_7)</u>** | <u>[5](#i6be4340899a1406ca41416e30512b09a_7)</u> |
| **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_13)</u>** | <u>[7](#i6be4340899a1406ca41416e30512b09a_13)</u> |
| **<u>[GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, THE REGISTRANT, AND THE FUNDS](#i6be4340899a1406ca41416e30512b09a_19)</u>** | <u>[9](#i6be4340899a1406ca41416e30512b09a_19)</u> |
| <u>[The Pruco Life Insurance Company of New Jersey](#i6be4340899a1406ca41416e30512b09a_629)</u>  | <u>[9](#i6be4340899a1406ca41416e30512b09a_629)</u> |
| <u>[The Pruco Life of New Jersey Variable Appreciable Account](#i6be4340899a1406ca41416e30512b09a_680)</u> | <u>[9](#i6be4340899a1406ca41416e30512b09a_680)</u> |
| <u>[The Funds](#i6be4340899a1406ca41416e30512b09a_675)</u>  | <u>[9](#i6be4340899a1406ca41416e30512b09a_675)</u> |
| <u>[Ser](#i6be4340899a1406ca41416e30512b09a_670)[vice Fees Payable To Pruco Life](#i6be4340899a1406ca41416e30512b09a_670)[o](#i6be4340899a1406ca41416e30512b09a_670)[f New Jersey](#i6be4340899a1406ca41416e30512b09a_670)</u> | <u>[10](#i6be4340899a1406ca41416e30512b09a_670)</u> |
| <u>[AST Funds](#i6be4340899a1406ca41416e30512b09a_665)</u> | <u>[11](#i6be4340899a1406ca41416e30512b09a_665)</u> |
| <u>[Voting Rights](#i6be4340899a1406ca41416e30512b09a_660)</u> | <u>[11](#i6be4340899a1406ca41416e30512b09a_660)</u> |
| <u>[Substitution Of Variable Investment Options](#i6be4340899a1406ca41416e30512b09a_655)</u>  | <u>[11](#i6be4340899a1406ca41416e30512b09a_655)</u> |
| <u>[The Fixed Rate Option](#i6be4340899a1406ca41416e30512b09a_650)</u>  | <u>[11](#i6be4340899a1406ca41416e30512b09a_650)</u> |
| **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>**  | <u>[12](#i6be4340899a1406ca41416e30512b09a_22)</u> |
| <u>[Administrative Fee](#i6be4340899a1406ca41416e30512b09a_993)</u> | <u>[12](#i6be4340899a1406ca41416e30512b09a_993)</u> |
| <u>[Sales Charge (Load)](#i6be4340899a1406ca41416e30512b09a_692)</u>  | <u>[12](#i6be4340899a1406ca41416e30512b09a_692)</u> |
| <u>[Taxes Attributable To Premiums](#i6be4340899a1406ca41416e30512b09a_742)</u>  | <u>[13](#i6be4340899a1406ca41416e30512b09a_742)</u> |
| <u>[Surrender Charge](#i6be4340899a1406ca41416e30512b09a_737)</u> | <u>[13](#i6be4340899a1406ca41416e30512b09a_737)</u> |
| <u>[Cost Of Insurance](#i6be4340899a1406ca41416e30512b09a_732)</u> | <u>[14](#i6be4340899a1406ca41416e30512b09a_732)</u> |
| <u>[Mortality And Expense Risk Charge](#i6be4340899a1406ca41416e30512b09a_722)</u> | <u>[14](#i6be4340899a1406ca41416e30512b09a_722)</u> |
| <u>[Additional Charge For Certain Risks](#i6be4340899a1406ca41416e30512b09a_717)</u> | <u>[14](#i6be4340899a1406ca41416e30512b09a_717)</u> |
| <u>[Fee For the Face Amount](#i6be4340899a1406ca41416e30512b09a_727)</u> | <u>[14](#i6be4340899a1406ca41416e30512b09a_727)</u> |
| <u>[Guaranteed Death Benefit Fee For the Face Amount Or an Increase To the Face Amount](#i6be4340899a1406ca41416e30512b09a_1396)</u> | <u>[14](#i6be4340899a1406ca41416e30512b09a_1396)</u> |
| <u>[Transaction Charges](#i6be4340899a1406ca41416e30512b09a_712)</u>  | <u>[15](#i6be4340899a1406ca41416e30512b09a_712)</u> |
| <u>[Net Interest On Loans](#i6be4340899a1406ca41416e30512b09a_702)</u> | <u>[15](#i6be4340899a1406ca41416e30512b09a_702)</u> |
| <u>[Charges](#i6be4340899a1406ca41416e30512b09a_707)[F](#i6be4340899a1406ca41416e30512b09a_707)[or Rider Coverage](#i6be4340899a1406ca41416e30512b09a_707)</u> | <u>[15](#i6be4340899a1406ca41416e30512b09a_707)</u> |
| <u>[Fund Expenses](#i6be4340899a1406ca41416e30512b09a_697)</u> | <u>[16](#i6be4340899a1406ca41416e30512b09a_697)</u> |
| <u>[Allocated Charges](#i6be4340899a1406ca41416e30512b09a_768)</u> | <u>[16](#i6be4340899a1406ca41416e30512b09a_768)</u> |
| <u>[Charges After Age 100](#i6be4340899a1406ca41416e30512b09a_763)</u> | <u>[16](#i6be4340899a1406ca41416e30512b09a_763)</u> |
| <u>[Commissions Paid To Broker Dealers](#i6be4340899a1406ca41416e30512b09a_758)</u> | <u>[16](#i6be4340899a1406ca41416e30512b09a_758)</u> |
| **<u>[PERSONS HAVING RIGHTS UNDER THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_25)</u>** | <u>[17](#i6be4340899a1406ca41416e30512b09a_25)</u> |
| <u>[Contract Owner](#i6be4340899a1406ca41416e30512b09a_776)</u> | <u>[17](#i6be4340899a1406ca41416e30512b09a_776)</u> |
| <u>[Beneficiary](#i6be4340899a1406ca41416e30512b09a_781)</u>  | <u>[17](#i6be4340899a1406ca41416e30512b09a_781)</u> |
| **<u>[OTHER GENERAL CONTRACT PROVISIONS](#i6be4340899a1406ca41416e30512b09a_28)</u>** | <u>[17](#i6be4340899a1406ca41416e30512b09a_28)</u> |
| <u>[Settlement Options](#i6be4340899a1406ca41416e30512b09a_1343)</u> | <u>[17](#i6be4340899a1406ca41416e30512b09a_1343)</u> |
| <u>[Assignment](#i6be4340899a1406ca41416e30512b09a_808)</u> | <u>[17](#i6be4340899a1406ca41416e30512b09a_808)</u> |
| <u>[Incontestability](#i6be4340899a1406ca41416e30512b09a_803)</u> | <u>[17](#i6be4340899a1406ca41416e30512b09a_803)</u> |
| <u>[Misstatements Of Age](#i6be4340899a1406ca41416e30512b09a_798)[O](#i6be4340899a1406ca41416e30512b09a_798)[r Sex](#i6be4340899a1406ca41416e30512b09a_798)</u> | <u>[17](#i6be4340899a1406ca41416e30512b09a_798)</u> |
| <u>[Suicide Exclusion](#i6be4340899a1406ca41416e30512b09a_793)</u> | <u>[17](#i6be4340899a1406ca41416e30512b09a_793)</u> |
| **<u>[STANDARD DEATH BENEFITS](#i6be4340899a1406ca41416e30512b09a_40)</u>**  | <u>[18](#i6be4340899a1406ca41416e30512b09a_40)</u> |
| <u>[Types](#i6be4340899a1406ca41416e30512b09a_818)[O](#i6be4340899a1406ca41416e30512b09a_818)[f Death Benefit](#i6be4340899a1406ca41416e30512b09a_818)</u>  | <u>[18](#i6be4340899a1406ca41416e30512b09a_818)</u> |
| <u>[How a Contract's Death Benefit Will Vary](#i6be4340899a1406ca41416e30512b09a_1485)</u> | <u>[18](#i6be4340899a1406ca41416e30512b09a_1485)</u> |
| <u>[Increases In the Face Amount](#i6be4340899a1406ca41416e30512b09a_833)</u> | <u>[19](#i6be4340899a1406ca41416e30512b09a_833)</u> |
| <u>[Decreases In the Face Amount](#i6be4340899a1406ca41416e30512b09a_838)</u> | <u>[20](#i6be4340899a1406ca41416e30512b09a_838)</u> |
| <u>[Death Claim Settlement Options](#i6be4340899a1406ca41416e30512b09a_828)</u> | <u>[20](#i6be4340899a1406ca41416e30512b09a_828)</u> |
| <u>[When Death Benefit Proceeds Are Paid](#i6be4340899a1406ca41416e30512b09a_823)</u> | <u>[20](#i6be4340899a1406ca41416e30512b09a_823)</u> |
| **<u>[OTHER BENEFITS AVAILABLE UNDER THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_925)</u>** | <u>[21](#i6be4340899a1406ca41416e30512b09a_925)</u> |
| **<u>[DEATH BENEFIT GUARANTEE](#i6be4340899a1406ca41416e30512b09a_1409)</u>** | <u>[23](#i6be4340899a1406ca41416e30512b09a_1409)</u> |

---

------

---

| | |
|:---|:---|
| **<u>[RIDERS](#i6be4340899a1406ca41416e30512b09a_31)</u>** | <u>[23](#i6be4340899a1406ca41416e30512b09a_31)</u> |
| <u>[Accidental Death Benefit Rider](#i6be4340899a1406ca41416e30512b09a_1228)</u> | <u>[24](#i6be4340899a1406ca41416e30512b09a_1022)</u> |
| <u>[Applicant's Waiver Of Premium Benefit Rider](#i6be4340899a1406ca41416e30512b09a_1233)</u> | <u>[23](#i6be4340899a1406ca41416e30512b09a_1233)</u> |
| <u>[Child Level Term Rider](#i6be4340899a1406ca41416e30512b09a_1198)</u> | <u>[24](#i6be4340899a1406ca41416e30512b09a_1198)</u> |
| <u>[Insured's Waiver Of Premium Benefit Rider](#i6be4340899a1406ca41416e30512b09a_1022)</u>  | <u>[24](#i6be4340899a1406ca41416e30512b09a_1022)</u> |
| <u>[Living Needs Benefit](#i6be4340899a1406ca41416e30512b09a_854)</u><sup>SM</sup><u>[Rider](#i6be4340899a1406ca41416e30512b09a_854)</u> | <u>[24](#i6be4340899a1406ca41416e30512b09a_854)</u> |
| <u>[Option To Purchase Additional Insurance On Life Of Insured Rider](#i6be4340899a1406ca41416e30512b09a_1208)</u> | <u>[25](#i6be4340899a1406ca41416e30512b09a_1208)</u> |
| <u>[Term Insurance Benefit On Life Of Insured Rider (Level)](#i6be4340899a1406ca41416e30512b09a_1223)</u> | <u>[26](#i6be4340899a1406ca41416e30512b09a_1223)</u> |
| <u>[Term Insurance Benefit On Life Of Insured Spouse Rider (Decreasing)](#i6be4340899a1406ca41416e30512b09a_1434)</u>  | <u>[26](#i6be4340899a1406ca41416e30512b09a_1434)</u> |
| **<u>[REQUIREMENTS FOR ISSUANCE OF A CONTRACT](#i6be4340899a1406ca41416e30512b09a_34)</u>** | <u>[26](#i6be4340899a1406ca41416e30512b09a_34)</u> |
| <u>[Underwriting Procedures](#i6be4340899a1406ca41416e30512b09a_865)</u> | <u>[26](#i6be4340899a1406ca41416e30512b09a_865)</u> |
| <u>[Contract Date](#i6be4340899a1406ca41416e30512b09a_860)</u> | <u>[26](#i6be4340899a1406ca41416e30512b09a_860)</u> |
| **<u>[PREMIUMS](#i6be4340899a1406ca41416e30512b09a_37)</u>** | <u>[27](#i6be4340899a1406ca41416e30512b09a_37)</u> |
| <u>[Allocation Of Premiums](#i6be4340899a1406ca41416e30512b09a_1032)</u> | <u>[28](#i6be4340899a1406ca41416e30512b09a_1032)</u> |
| <u>[When a Contract Becomes Paid-Up](#i6be4340899a1406ca41416e30512b09a_986)</u> | <u>[28](#i6be4340899a1406ca41416e30512b09a_986)</u> |
| <u>[Transfers And Restrictions On Transfers](#i6be4340899a1406ca41416e30512b09a_934)</u> | <u>[29](#i6be4340899a1406ca41416e30512b09a_934)</u> |
| <u>[Dollar Cost Averaging](#i6be4340899a1406ca41416e30512b09a_944)</u>  | <u>[30](#i6be4340899a1406ca41416e30512b09a_944)</u> |
| <u>[Processing And Valuing Transactions](#i6be4340899a1406ca41416e30512b09a_939)</u> | <u>[30](#i6be4340899a1406ca41416e30512b09a_939)</u> |
| **<u>[CONTRACT VALUES](#i6be4340899a1406ca41416e30512b09a_43)</u>** | <u>[31](#i6be4340899a1406ca41416e30512b09a_43)</u> |
| <u>[How a Contract's Cash Surrender Value Will Vary](#i6be4340899a1406ca41416e30512b09a_872)</u> | <u>[31](#i6be4340899a1406ca41416e30512b09a_872)</u> |
| <u>[Loans](#i6be4340899a1406ca41416e30512b09a_892)</u> | <u>[31](#i6be4340899a1406ca41416e30512b09a_892)</u> |
| <u>[Withdrawals](#i6be4340899a1406ca41416e30512b09a_887)</u> | <u>[32](#i6be4340899a1406ca41416e30512b09a_887)</u> |
| <u>[Surrender Of a Contract](#i6be4340899a1406ca41416e30512b09a_882)</u> | <u>[32](#i6be4340899a1406ca41416e30512b09a_882)</u> |
| <u>[When Proceeds Are Paid](#i6be4340899a1406ca41416e30512b09a_877)</u> | <u>[33](#i6be4340899a1406ca41416e30512b09a_877)</u> |
| **<u>[LAPSE AND REINSTATEMENT](#i6be4340899a1406ca41416e30512b09a_46)</u>** | <u>[33](#i6be4340899a1406ca41416e30512b09a_46)</u> |
| **<u>[TAXES](#i6be4340899a1406ca41416e30512b09a_49)</u>** | <u>[34](#i6be4340899a1406ca41416e30512b09a_49)</u> |
| <u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>  | <u>[34](#i6be4340899a1406ca41416e30512b09a_908)</u> |
| <u>[Company Taxes](#i6be4340899a1406ca41416e30512b09a_913)</u> | <u>[36](#i6be4340899a1406ca41416e30512b09a_913)</u> |
| **<u>[DISTRIBUTION AND COMPENSATION](#i6be4340899a1406ca41416e30512b09a_52)</u>** | <u>[36](#i6be4340899a1406ca41416e30512b09a_52)</u> |
| **<u>[LEGAL PROCEEDINGS](#i6be4340899a1406ca41416e30512b09a_55)</u>** | <u>[37](#i6be4340899a1406ca41416e30512b09a_55)</u> |
| **<u>[FINANCIAL STATEMENTS](#i6be4340899a1406ca41416e30512b09a_58)</u>** | <u>[37](#i6be4340899a1406ca41416e30512b09a_58)</u> |
| **<u>[ADDITIONAL INFORMATION](#i6be4340899a1406ca41416e30512b09a_61)</u>** | <u>[37](#i6be4340899a1406ca41416e30512b09a_61)</u> |
| **<u>[APPENDIX A: Funds Available Under the Contract](#i6be4340899a1406ca41416e30512b09a_964)</u>** | A-<u>[i](#i6be4340899a1406ca41416e30512b09a_964)</u> |
| **<u>[GLOSSARY: Definitions](#i6be4340899a1406ca41416e30512b09a_64)[O](#i6be4340899a1406ca41416e30512b09a_64)[f Special Terms Used In This Prospectus](#i6be4340899a1406ca41416e30512b09a_64)</u>**  | B-<u>[i](#i6be4340899a1406ca41416e30512b09a_64)</u> |

---

------

**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**KEY INFORMATION** 

*Important Information You Should Consider About the Contract*

---

| | | | |
|:---|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| **Charges For Early Withdrawals** | If you withdraw money from the Contract within the first 10 Contract Years, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $0.00 to $55.00 per $1,000 of the Face Amount. The maximum charge on a withdrawal that reduces the Face Amount by $100,000 is $5,500. The surrender charge applies to surrenders, lapses, withdrawals from Contracts with a Type A (fixed) Death Benefit, and reductions in Face Amount. For more information on early withdrawal charges, please refer to the **<u>[Surrender Charge](#i6be4340899a1406ca41416e30512b09a_737)</u>** subsection of this prospectus.  | If you withdraw money from the Contract within the first 10 Contract Years, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $0.00 to $55.00 per $1,000 of the Face Amount. The maximum charge on a withdrawal that reduces the Face Amount by $100,000 is $5,500. The surrender charge applies to surrenders, lapses, withdrawals from Contracts with a Type A (fixed) Death Benefit, and reductions in Face Amount. For more information on early withdrawal charges, please refer to the **<u>[Surrender Charge](#i6be4340899a1406ca41416e30512b09a_737)</u>** subsection of this prospectus.  | If you withdraw money from the Contract within the first 10 Contract Years, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $0.00 to $55.00 per $1,000 of the Face Amount. The maximum charge on a withdrawal that reduces the Face Amount by $100,000 is $5,500. The surrender charge applies to surrenders, lapses, withdrawals from Contracts with a Type A (fixed) Death Benefit, and reductions in Face Amount. For more information on early withdrawal charges, please refer to the **<u>[Surrender Charge](#i6be4340899a1406ca41416e30512b09a_737)</u>** subsection of this prospectus.  |
| **Transaction Charges** | In addition to a surrender charge, you may also be charged for other transactions. Such charges include sales charges on premiums paid under the Contract, administrative charges (to cover local, state and federal taxes, and other charges that are based on premiums), transfer fees, withdrawal fees, and fees for decreases in the Face Amount. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#i6be4340899a1406ca41416e30512b09a_7)</u>** and **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>** sections of this prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include sales charges on premiums paid under the Contract, administrative charges (to cover local, state and federal taxes, and other charges that are based on premiums), transfer fees, withdrawal fees, and fees for decreases in the Face Amount. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#i6be4340899a1406ca41416e30512b09a_7)</u>** and **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>** sections of this prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include sales charges on premiums paid under the Contract, administrative charges (to cover local, state and federal taxes, and other charges that are based on premiums), transfer fees, withdrawal fees, and fees for decreases in the Face Amount. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#i6be4340899a1406ca41416e30512b09a_7)</u>** and **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>** sections of this prospectus.  |
| **Ongoing Fees And Expenses**  | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: |
| **Ongoing Fees And Expenses**  | **Annual Fee** | **Minimum** | **Maximum** |
| **Ongoing Fees And Expenses**  | Investment options<br>(Fund fees and expenses) | 0.28% | 1.01% |
| **Ongoing Fees And Expenses**  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#i6be4340899a1406ca41416e30512b09a_7)</u>** section of this prospectus and **<u>[APPENDIX A](#i6be4340899a1406ca41416e30512b09a_964)</u>**, which is part of this prospectus.  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#i6be4340899a1406ca41416e30512b09a_7)</u>** section of this prospectus and **<u>[APPENDIX A](#i6be4340899a1406ca41416e30512b09a_964)</u>**, which is part of this prospectus.  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#i6be4340899a1406ca41416e30512b09a_7)</u>** section of this prospectus and **<u>[APPENDIX A](#i6be4340899a1406ca41416e30512b09a_964)</u>**, which is part of this prospectus.  |
| **RISKS** | **RISKS** | **RISKS** | **RISKS** |
| **Risk Of Loss** | You can lose money by investing in the Contract. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_13)</u>** section of this prospectus.  | You can lose money by investing in the Contract. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_13)</u>** section of this prospectus.  | You can lose money by investing in the Contract. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_13)</u>** section of this prospectus.  |
| **Not a Short-Term Investment** | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_13)</u>** section of this prospectus. | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_13)</u>** section of this prospectus. | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_13)</u>** section of this prospectus. |
| **Risks Associated With Investment Options** | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **<u>[The Funds](#i6be4340899a1406ca41416e30512b09a_675)</u>** subsection of this prospectus. | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **<u>[The Funds](#i6be4340899a1406ca41416e30512b09a_675)</u>** subsection of this prospectus. | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **<u>[The Funds](#i6be4340899a1406ca41416e30512b09a_675)</u>** subsection of this prospectus. |
| **Insurance Company Risks** | An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **<u>[GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, THE REGISTRANT, AND THE FUNDS](#i6be4340899a1406ca41416e30512b09a_19)</u>** section of this prospectus. | An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **<u>[GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, THE REGISTRANT, AND THE FUNDS](#i6be4340899a1406ca41416e30512b09a_19)</u>** section of this prospectus. | An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **<u>[GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, THE REGISTRANT, AND THE FUNDS](#i6be4340899a1406ca41416e30512b09a_19)</u>** section of this prospectus. |
| **Contract Lapse** | If a Scheduled Premium is not paid, and the Contract Fund on any Monthly Date is less than the Tabular Contract Fund, the Contract will go into default. Poor investment performance, deductions of more than the maximum permissible charges, or the previous payment of less than the Scheduled Premiums are some of the factors that could cause your Contract to lapse. If your Contract does lapse, it may still provide some benefits.<br>Generally, a Contract that has lapsed may be reinstated unless the Contract has been surrendered for its Cash Surrender Value. For Contracts issued before September 1, 1988, a Contract that has lapsed may be reinstated within three years from the date of default. For Contracts issued after September 1, 1988, a Contract that has lapsed may be reinstated within five years from the date of default. Please refer to your Contract for exact dates. To reinstate a lapsed contract, we require completion of certain conditions including submission of certain payments due under the Contract. For more information please refer to the **<u>[LAPSE AND REINSTATEMENT](#i6be4340899a1406ca41416e30512b09a_46)</u>** section of this prospectus. | If a Scheduled Premium is not paid, and the Contract Fund on any Monthly Date is less than the Tabular Contract Fund, the Contract will go into default. Poor investment performance, deductions of more than the maximum permissible charges, or the previous payment of less than the Scheduled Premiums are some of the factors that could cause your Contract to lapse. If your Contract does lapse, it may still provide some benefits.<br>Generally, a Contract that has lapsed may be reinstated unless the Contract has been surrendered for its Cash Surrender Value. For Contracts issued before September 1, 1988, a Contract that has lapsed may be reinstated within three years from the date of default. For Contracts issued after September 1, 1988, a Contract that has lapsed may be reinstated within five years from the date of default. Please refer to your Contract for exact dates. To reinstate a lapsed contract, we require completion of certain conditions including submission of certain payments due under the Contract. For more information please refer to the **<u>[LAPSE AND REINSTATEMENT](#i6be4340899a1406ca41416e30512b09a_46)</u>** section of this prospectus. | If a Scheduled Premium is not paid, and the Contract Fund on any Monthly Date is less than the Tabular Contract Fund, the Contract will go into default. Poor investment performance, deductions of more than the maximum permissible charges, or the previous payment of less than the Scheduled Premiums are some of the factors that could cause your Contract to lapse. If your Contract does lapse, it may still provide some benefits.<br>Generally, a Contract that has lapsed may be reinstated unless the Contract has been surrendered for its Cash Surrender Value. For Contracts issued before September 1, 1988, a Contract that has lapsed may be reinstated within three years from the date of default. For Contracts issued after September 1, 1988, a Contract that has lapsed may be reinstated within five years from the date of default. Please refer to your Contract for exact dates. To reinstate a lapsed contract, we require completion of certain conditions including submission of certain payments due under the Contract. For more information please refer to the **<u>[LAPSE AND REINSTATEMENT](#i6be4340899a1406ca41416e30512b09a_46)</u>** section of this prospectus. |

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

---

| | |
|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Investments** | If the Contract is not in default, you may, up to 4 times each Contract Year, transfer amounts among the Variable Investment Options. Additional transfers may be made only with our consent. Generally, only one transfer from the Fixed Rate Option will be permitted during each Contract Year and only within 31 days beginning on the Contract Anniversary. The maximum amount per Contract Year you may transfer out of the Fixed Rate Option is the greater of: (a) 25% of the amount in the Fixed Rate Option; and (b) $2,000. Transfers may generally be made by mail, phone, fax or website. Contracts that are jointly owned or assigned generally cannot conduct transfers by phone, fax or website**.** We reserve the right to remove or substitute Variable Investment Options. For more information on investment and transfer restrictions, please refer to the **<u>[Transfers And Restrictions On Transfers](#i6be4340899a1406ca41416e30512b09a_934)</u>** subsection of this prospectus and for a list of Variable Investment Options, see **<u>[APPENDIX A](#i6be4340899a1406ca41416e30512b09a_964)</u>**.  |
| **Optional Benefits** | As a Contract Owner, you may be able to obtain extra fixed benefits, which may require additional charges. These optional insurance benefits are described in what is known as a "rider" to the Contract. Riders are generally only available at Contract issuance, unless noted otherwise.<br>Some riders may depend on the performance of the Contract Fund. Rider benefits will no longer be available if the Contract lapses. Some riders are not available in conjunction with other riders and other restrictions may apply. For more information on optional benefits under the Contract, please refer to the **<u>[RIDERS](#i6be4340899a1406ca41416e30512b09a_31)</u>** section of this prospectus.  |
| **TAXES** | **TAXES** |
| **Tax Implications** | You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. There is no additional tax benefit if you purchase the Contract through a tax-qualified plan. Withdrawals may be subject to ordinary income tax and a 10% additional tax. For more information on tax implications relating to Contract investments, please refer to the **<u>[TAXES](#i6be4340899a1406ca41416e30512b09a_49)</u>** section of this prospectus. |
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **Investment Professional Compensation** | Investment professionals receive compensation for selling the Contract to investors and may have a financial incentive to offer or recommend the Contract over another investment. Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration ("firms"). The individual representative will receive all or a portion of the compensation, depending on the practice of the firm. The Scheduled Premium will vary by Issue Age, sex, smoker/non smoker, substandard rating class, and any riders selected by the Contract Owner. The Commissionable Target Premium will vary by Issue Age, sex, underwriting class and rating class of the insured, any extra risk charges, or additional riders selected by the Contract Owner. For more information on investment professional compensation, please refer to the **<u>[DISTRIBUTION AND COMPENSATION](#i6be4340899a1406ca41416e30512b09a_52)</u>** section and the **<u>[Commissions Paid To Broker-Dealers](#i6be4340899a1406ca41416e30512b09a_758)</u>** subsection of this prospectus.  |
| **Exchanges** | Some investment professionals may have a financial incentive to offer you a contract in place of the one you already own. You should only exchange your existing life insurance contract if you determine after comparing the features, fees, and risks of both contracts, that it is preferable to purchase the contract, rather than continue to own your existing contract. For more information on exchanges, please refer to the paragraph titled **Replacement Of a Contract** in the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i6be4340899a1406ca41416e30512b09a_13)</u>** section of this prospectus. |

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**OVERVIEW OF THE CONTRACT**

***The following summaries provide a brief overview of the more significant aspects of the Contract. We provide more complete and detailed information in the subsequent sections of this prospectus and in the statement of additional information and Contract.***

**Brief Description Of the Contract**

The Contract is a form of *Variable Universal Life Insurance®.* Our variable appreciable life insurance policy is a flexible form of variable universal life insurance. It has a Death Benefit and a Contract Fund, the value of which changes every day according to the investment performance of the investment options to which you have allocated your net premiums. You may invest premiums in one or more of the available Variable Investment Options or in the Fixed Rate Option. Although the value of your Contract Fund may increase if there is favorable investment performance in the Variable Investment Options you select, investment returns in the Variable Investment Options are NOT guaranteed. There is a risk that investment performance will be unfavorable and that the value of your Contract Fund will decrease. The risk will be different, depending upon which investment options you choose. You bear the risk of any decrease. Within certain limits, the Contract will provide you with some flexibility in determining the amount and timing of your premium payments. The Contract has a Tabular Contract Fund that is designed to encourage the payment of premiums and the accumulation of cash value. Some features and/or riders described in this prospectus may not be available in all states. Your Contract's form number is located in the lower left hand corner of the first page of your Contract. Clients seeking information regarding their particular investment needs should contact a financial professional.

**Premiums** 

Your Contract sets forth a Scheduled Premium which is payable annually, semi-annually, quarterly or monthly. We guarantee that, if the Scheduled Premiums are paid when due (or if missed premiums are paid later, with interest) and there are no withdrawals, the Contract will not lapse because of unfavorable investment experience. Your Contract may terminate if the Contract Debt exceeds what the Cash Surrender Value would be if there was no Contract Debt. We will notify you before the Contract is terminated and you may then repay all or enough of the loan to keep the Contract in force.

When you apply for the Contract, you tell us how to allocate your premiums. On the Contract Date, we deduct an administrative charge, a sales charge, and taxes attributable to premiums from the initial premium. Then the first monthly charges are deducted. The remainder of the initial premium will be allocated among the Variable Investment Options and the Fixed Rate Option according to the allocations you specified in the application form. The invested portion of any part of the initial premium in excess of the Scheduled Premium is generally placed in the selected investment options as of the end of the Valuation Period in which it is received in Good Order at the Payment Office, but not earlier than the Contract Date.

After the Contract Date, we deduct an administrative charge, a sales charge, and taxes attributable to premiums from each subsequent premium payment. The remainder of each subsequent premium payment will be invested as of the end of the Valuation Period in which it is received in Good Order at the Payment Office, in accordance with the applicable allocation instructions.

**Contract Features** 

**Types Of Death Benefit Available Under the Contract**

The Death Benefit is an important feature of the Contract. You may choose one of the following two forms of the Contract. They each have a different Death Benefit amount.

**• Contract Form A, Level Death Benefit:** The Death Benefit will generally be equal to the Face Amount. It can never be less than this amount. The Death Benefit remains fixed in amount (unless the Contract becomes paid-up) and only the Cash Surrender Value will vary with investment experience. Only VAL-84 Contracts may become paid-up. On VAL-86 Contracts, the Death Benefit may be increased to ensure that the Contract continues to satisfy the Internal Revenue Code's definition of life insurance.

**• Contract Form B, Variable Death Benefit:** The Death Benefit will increase and decrease as the amount of the Contract Fund varies with the investment performance of the selected options. However, the Death Benefit under Form B, as is true under Form A, will never be less than the initial Face Amount and it may also be increased to satisfy Internal Revenue Code requirements.

Throughout this prospectus the word "Contract" refers to both Form A and B unless specifically stated otherwise. Under both Form A and B Contracts there is no guaranteed minimum Cash Surrender Value.

**Increasing Or Decreasing the Face Amount**

Subject to our underwriting requirements determined by us, after the first Contract Anniversary you may increase the amount of insurance by increasing the Face Amount of the Contract. You also have the additional option of decreasing the Face Amount of your Contract, without withdrawing any surrender value.

**Investment Choices**

You may choose to invest your Contract's premiums and its earnings in one or more of the available Variable Investment Options or our Fixed Rate Option. Subsequent net premiums are applied to your Contract as of the end of the Valuation Period in which they are received in Good Order at the Payment Office. **Information about each Variable Investment Option available under the Contract is provided in <u>[APPENDIX A](#i6be4340899a1406ca41416e30512b09a_964)</u>.**

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**The Contract Fund**

Your Contract Fund value changes daily, reflecting: (1) increases or decreases in the value of your Variable Investment Options; (2) interest credited on any amounts allocated to the Fixed Rate Option; (3) interest credited on any loan; and (4) the daily asset charge for mortality and expense risks assessed against the Variable Investment Options. The Contract Fund value also changes to reflect the receipt of premium payments and monthly deductions described under **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>**.

**Tabular Contract Fund**

The Tabular Contract Fund is designed to encourage the payment of premiums and the accumulation of cash value. Even if a Scheduled Premium is not paid, the Contract will remain in force as long as the Contract Fund on any Monthly Date is equal to or greater than the Tabular Contract Fund on the next Monthly Date.

**Death Benefit Protection** 

The Contract includes a Death Benefit Guarantee, which provides a conditional guarantee that can keep your Contract in effect regardless of investment performance or Contract Fund value. If Scheduled Premiums are paid on or before each due date, or within the grace period after each due date, and there are no withdrawals or outstanding loans, a Contract will remain in force even if the investment results of that Contract's Variable Investment Option[s] have been so unfavorable that the Contract Fund has decreased to zero. Even if a Scheduled Premium is not paid, the Contract will remain in force as long as the Contract Fund on any Monthly Date is equal to or greater than the Tabular Contract Fund Value on the following Monthly Date. This could occur because of such factors as favorable investment experience, deduction of current rather than maximum charges, or the previous payment of greater than Scheduled Premiums.

**Riders**

Contract Owners may be eligible to select extra benefits called "riders." The charges associated with each rider are presented in the **<u>[FEE TABLE](#i6be4340899a1406ca41416e30512b09a_7)</u>**. Except for the Living Needs Benefit<sup>SM</sup> Rider, all riders are only available at Contract issuance. Selectable riders include:

• Accidental Death Benefit Rider: Pays an additional Death Benefit if the insured's death is accidental.

• Insured's Waiver of Premium Benefit Rider: Allows for premiums due on the contract to be waived by the Company in the event of the Insured's total disability during this benefit's coverage period.

**•** Applicant's Waiver of Premium Benefit Rider: Allows for premiums due on the contract to be waived by the Company in the event of the applicant's total disability or death during this benefit's coverage period. This benefit is only available on juvenile contracts.

• Child Level Term Rider: Provides life insurance coverage on the insured's children.

• Living Needs Benefit<sup>SM</sup> Rider: Provides an early payment of all or part of the Death Benefit, adjusted to reflect current value, if the insured becomes terminally ill or is confined to a nursing home (not available in New York).

• Level Term Insurance Benefit On Life Of Insured Rider: Provides term life insurance coverage on the life of the Insured.

• Decreasing Term Insurance Benefit On Life Of Insured Spouse Rider: Provides decreasing term life insurance coverage on the life of the insured's spouse.

• Option To Purchase Additional Insurance On Life Of Insured Rider: Provides the right to buy more insurance on the Insured's life.

**Loans**

You may borrow money from us using your Contract as security for the loan. The maximum loan amount is equal to the sum of (1) 90% of the portion of the cash value attributable to the Variable Investment Options and (2) the balance of the cash value. The cash value is equal to the Contract Fund less any surrender charge and less any outstanding loan debt. The minimum loan amount you may borrow at any one time is generally $500, unless the loan proceeds are used to pay premiums on your Contract. Interest charges will apply.

**Withdrawals**

Under certain circumstances and limitations, you may withdraw a part of the Contract's Cash Surrender Value without surrendering the Contract. Charges may apply.

**Surrendering the Contract**

A Contract may be surrendered for its Cash Surrender Value (the Contract Fund minus any Contract Debt and minus any applicable surrender charges) while the insured is living. To surrender a Contract, we may require you to deliver or mail the Contract with a written request in Good Order to a Service Office. The Cash Surrender Value of a surrendered Contract will be determined as of the end of the Valuation Period in which such a request is received in Good Order in a Service Office. Surrender of a Contract may have tax consequences.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**FEE TABLE**

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Your Contract's data pages will provide information about the specific fees you will pay each year based on the options you have elected. For more information please refer to the **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>** section in this prospectus.

**The first table describes the maximum fees and expenses that you will pay at the time that you buy the Contract and pay premiums, surrender or make withdrawals from the Contract, or transfer cash value between investment options.**

---

| | | |
|:---|:---|:---|
| **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** |
| **Charge** | **When Charge is Deducted** | **Amount Deducted** |
| **Administrative Fee** | Deducted from premium payments. | $2 |
| **Sales Charge (Load)**<br>(Charge is a percentage of premium payments.) | Deducted from premium payments. | 5% |
| **Taxes Attributable To Premiums**<sup>(1)</sup><br>(Charge is a percentage of premium payments.) | Deducted from premium payments. | 2.5% |
| **Surrender Charge**<br> (Per $1,000 Of Coverage Amount) | Upon lapse, surrender, or decrease in the Face Amount. | $5 |
| **Maximum Deferred Sales Charge (Load)**<br>(Charge is a percentage of one scheduled annual premium.) | Upon lapse, surrender, or decrease in the Face Amount. | 45% |
| **Withdrawal fee** | Upon withdrawal. | $15 |
| **Face Amount Change fee** | When there is a change in the Face Amount. | $15 |
| **Living Needs Benefit**<sup>SM</sup> **Rider fee** | When the benefit is paid. | $150 |

---

(1)For these purposes, "taxes attributable to premiums" shall include any applicable federal, state or local income, premium, excise, company tax, or any other type of tax (or component thereof) measured by or based upon the amount of premium received by us.

**The next table describes the maximum Contract fees and expenses that you will pay periodically during the time you own the Contract, not including the Funds' fees and expenses.**

---

| | | |
|:---|:---|:---|
| **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** |
| **Charge** | **When Charge is Deducted** | **Amount Deducted** |
| **Base Contract Charges:** | **Base Contract Charges:** | **Base Contract Charges:** |
| &nbsp;&nbsp;**Cost Of Insurance ("COI") For the Face Amount.**<sup>(1)(2)</sup><br>Minimum and Maximum Charges per $1,000 of the net amount at risk.<br>_____________<br>Initial charge for a representative Contract Owner. <sup>(4)</sup> | Monthly | From $0.06 to $83.34<br>_____________<br>$0.15<sup>(3)</sup> |
| **Mortality And Expense Risk Charge.**<br>(Effective annual rate calculated as a percentage of assets in the Variable Investment Options.) | Daily | 0.60%<sup>(5)</sup> |
| **Additional Charge For Certain Risks.** | Monthly | From $0.10 to $2.08<sup>(6)</sup> |
| **Fee For the Face Amount.**<br>(A charge per $1,000 of Face Amount plus a flat fee.) | Monthly | $0.02 plus $2.50 |
| **Fee For an Increase To the Face Amount.**<br>(Charge per $1,000 of increase in Face Amount.) | Monthly | $0.02 |
| **Net Interest On Loans**<sup>(7)</sup> | Annually | 1.5% |

---

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

---

| | | |
|:---|:---|:---|
| **Guaranteed Death Benefit Fee For the Face Amount Or an Increase To the Face Amount.**<br>(Charge per $1,000 of the Face Amount or increase in the Face Amount.) | Monthly | $0.01 |
| **Optional Benefits Charges:** | **Optional Benefits Charges:** | **Optional Benefits Charges:** |
| &nbsp;&nbsp;**Accidental Death Benefit Rider**<br>Minimum and Maximum Charges per $1,000 of coverage.<br>_____________<br>Initial charge for a representative Contract Owner. <sup>(4)</sup> | Monthly | From $0.04 to $0.64<br>_____________<br>$0.07<sup>(3)</sup> |
| &nbsp;&nbsp;**Insured's Waiver Of Premium Rider**<br>Minimum and Maximum Charges per $1,000 of coverage.<br>_____________<br>Initial charge for a representative Contract Owner. <sup>(4)</sup> | Monthly | From $0.008 to $0.21<br>_____________<br>$0.07<sup>(3)</sup> |
| &nbsp;&nbsp;**Applicant Waiver Of Premium Rider**<br>Minimum and Maximum Charges<br>(Charge is a percentage of the Contract's applicable premium, and capped at $0.15 per $1,000 of coverage.)<br>_____________<br>Initial charge for a representative Contract Owner. <sup>(4)</sup> | Monthly | From 0.40% to 3.14%<br>_____________<br>0.7%<sup>(3)</sup> |
| **Child Level Term Rider**<sup>(6)</sup><br>(Charge per $1,000 of rider coverage.) | Monthly | $0.45 |
| &nbsp;&nbsp;**Term Insurance Benefit** <br>**On Life Of Insured Rider**<sup>(1)</sup><br>Minimum and Maximum Charges per $1,000 of rider coverage.<br>_____________<br>Initial charge for a representative Contract Owner. <sup>(4)</sup> | Monthly | From $0.173 to $2.59<br> _____________<br>$0.19<sup>(3)</sup> |
| &nbsp;&nbsp;**Term Insurance Benefit On Life Of Insured Spouse Rider**<sup>(1)(8)</sup><br>Minimum and Maximum Charges<br>per $1,000 of rider coverage.<br>_____________<br>Initial charge for a representative Contract Owner. <sup>(4)(9)</sup> | Monthly | From $0.153 to $1.91<br>_____________ <br>$0.193<sup>(3)</sup> |
| &nbsp;&nbsp;**Option To Purchase Additional Insurance On Insured Rider**<sup>(1)</sup><br>Minimum and Maximum Charges per $1,000 of additional insurance amount.<br>_____________<br>Initial charge for a representative Contract Owner. <sup>(4)</sup> | Monthly | From $0.06 to $0.47<br>_____________<br>$0.17<sup>(3)</sup> |

---

(1)The charge varies based on the individual characteristics of the insured, including such characteristics as: age, sex, and underwriting class.

(2)For example, the highest COI rate is for an insured who is a male/female age 99.

(3)The charge shown in the table may not be representative of the charge that a particular Contract Owner will pay. You may obtain more information about the particular COI charges that apply to you by contacting your Pruco Life of New Jersey representative.

(4)Representative insured is male, age 30, preferred underwriting class, no ratings or extras, with a $250,000 Face Amount.

(5)The daily charge is based on the effective annual rate shown.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

(6)Both the charge and the duration of the charge will vary based on individual circumstances including Issue Age, type of risk, and the frequency of exposure to the risk, and is charged per $1,000 of Face Amount.

(7)This charge is for a fixed rate loan. The net interest for a variable rate loan is 1%.

(8)There are multiple variations of Term Insurance Benefit On Life Of Insured and Term Insurance Benefit On Life Of Insured Spouse. The charge shown is for the maximum charge across all variations of this rider.

(9)This charge is for Decreasing Term To Age 65 Rider.

**The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. A complete list of Funds available under the Contract, including their annual expenses, may be found in <u>[APPENDIX A](#i6be4340899a1406ca41416e30512b09a_964)</u>.**

---

| | | |
|:---|:---|:---|
| **Annual Fund Expenses** | **Minimum** | **Maximum** |
| (Expenses that are deducted from the Fund's assets, including management fees, any distribution and/or service (12b-1) fees, and other expenses, but not including reductions for any fee waiver or other reimbursements.) | 0.28% | 1.01% |

---

**PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** 

**Contract Values Are Not Guaranteed** 

The value of your Contract Fund rises and falls with the performance of the investment options you choose and the charges that we deduct. Your benefits (including life insurance) are not guaranteed, and may be entirely dependent on the investment performance of the Variable Investment Options you select.

**The Variable Investment Options**

The Variable Investment Options you choose may not perform to your expectations. Investing in the Contract involves risks including the possible loss of your entire investment. Only the Fixed Rate Option provides a guaranteed rate of return.

The Account invests in the shares of one or more open-end management investment companies registered under the Investment Company Act of 1940. Each Variable Investment Option has its own investment objective, strategy, and associated risks, which are described in the Variable Investment Option prospectus. Before allocating net premium to a Variable Investment Option, you should read the current Fund prospectus. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. The income, gains, and losses of one Variable Investment Option have no effect on the investment performance of any other Variable Investment Option.

Amounts you allocate to the Variable Investment Options may grow in value, decline in value, or grow less than you expect, depending on the investment performance of the Funds. You bear the investment risk that the Funds may not meet their investment objectives. It is possible to lose your entire investment in the Variable Investment Options.

The Contract offers Variable Investment Options through the Advanced Series Trust ("AST"). The AST Variable Investment Options are also available in variable annuity contracts we offer. Some of these variable annuity contracts offer a feature that utilizes a predetermined mathematical formula (the "formula") to manage the guarantees offered in connection with certain optional benefits. The operation of the formula in those variable annuity contracts may result in large-scale asset flows into and out of the Funds corresponding to the Variable Investment Options that are available with your Contract. These asset flows could adversely impact the Funds, including their risk profile, expenses and performance.

**Increase In Charges** 

In several instances we will use the terms "maximum charge" and "current charge." The "maximum charge," in each instance, is the highest charge that we may make under the Contract. The "current charge," in each instance, is the amount that we now charge, which may be lower than the maximum charge. If circumstances change, we reserve the right to increase each current charge, up to the maximum charge.

------

**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**Contract Lapse** 

On each Monthly Date we determine the value of your Contract Fund. The Contract is in default if a Scheduled Premium is not paid and the Contract Fund is less than the value of the Tabular Contract Fund values shown in your Contract. Your Contract will also be in default if at any time the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge. Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Contract to lapse, which could cause you to lose your insurance coverage. See **<u>[LAPSE AND REINSTATEMENT](#i6be4340899a1406ca41416e30512b09a_46)</u>** .

**Not a Short-Term Savings Vehicle** 

The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered.

**Taking Withdrawals** 

We may limit you to no more than four withdrawals in a Contract Year. The amount withdrawn must be at least $2,000 under a Form A Contract and at least $500 under a Form B Contract. You may make a withdrawal only to the extent that the Cash Surrender Value plus any Contract loan exceeds the applicable Tabular Contract Fund. There is an administrative processing fee for each withdrawal in an amount up to $15. Withdrawal of the Cash Surrender Value may have tax consequences. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>**.

Whenever a withdrawal is made, the Death Benefit will immediately be reduced by at least the amount of the withdrawal. A surrender charge may be deducted when any withdrawal causes a reduction in the Face Amount. See **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>**. Withdrawals from Form B (variable) Contracts will not change the Face Amount. However, under most circumstances, withdrawals from a Form A (fixed) Contract will cause a reduction in the Face Amount by no more than the amount of the withdrawal.

It is important to note that, if the Face Amount is decreased, there is a possibility that the Contract might be classified as a Modified Endowment Contract. Before making any withdrawal that causes a decrease in the Face Amount, you should consult with your tax adviser and your Pruco Life of New Jersey representative. See **<u>[Withdrawals](#i6be4340899a1406ca41416e30512b09a_887)</u>** and **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>.** 

**Surrender Of the Contract** 

We deduct a surrender charge from the surrender proceeds. While the amount of the surrender charge decreases over time, it may be a substantial portion or even equal to your Contract Fund. A surrender of your Contract may have tax consequences. See **<u>[Tax Treatment of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u> .**

**Taking a Contract Loan**

Accessing the values in your Contract through Contract loans may significantly affect current and future Contract values or Death Benefit proceeds and may increase the chance that your Contract will lapse. When a loan is made, an amount equal to the loan proceeds is transferred out of the investment options and does not participate in any investment return until a loan repayment is made. The longer a loan remains outstanding the greater the potential negative impact on the Contract Fund. In addition, a loan from your Contract may have tax consequences. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>**.

**Potential Federal Tax Consequences** 

Your Contract is structured to meet the definition of life insurance under Section 7702 of the Internal Revenue Code. We reserve the right to refuse to accept a premium payment that would, in our opinion, cause this Contract to fail to qualify as life insurance for federal tax purposes. Although we believe that the Contract should qualify as life insurance for tax purposes, there are some uncertainties, particularly because the Secretary of Treasury has not yet issued permanent regulations that bear on this question.

Current tax law generally excludes Death Benefits from the gross income of the beneficiary of a life insurance contract. However, the Death Benefit paid to the beneficiary could be subject to income tax in certain instances, such as if the Contract was previously transferred in a reportable policy sale. Your Death Benefit may also be subject to estate tax. In addition, you generally are not subject to taxation on any increase in the Contract value until it is withdrawn. Generally, you are taxed on surrender proceeds and the proceeds of any partial withdrawals only if those amounts, when added to all previous distributions, exceed the total premiums paid. Amounts received upon surrender or withdrawal (including any outstanding Contract loans) in excess of premiums paid are treated as ordinary income.

Special rules govern the tax treatment of life insurance policies that meet the definition of a Modified Endowment Contract under Section 7702A of the Internal Revenue Code. The Contract could be classified as a Modified Endowment Contract if premiums in amounts that are too large are paid or a decrease in the Face Amount is made (or a rider is removed). Under current tax law, pre-death distributions, including loans and assignments, are taxed less favorably (on a gain-first basis) under Modified Endowment Contracts. Death Benefit payments under Modified Endowment Contracts, however, like Death Benefit payments under other life insurance contracts, generally are excluded from the gross income of the beneficiary.

**Replacement Of a Contract** 

The replacement of life insurance is generally not in your best interest. In most cases, if you require additional life insurance coverage, the benefits of your existing Contract can be protected by increasing the insurance amount of your existing Contract, or by purchasing an additional Contract. If you are considering replacing a Contract, you should compare the benefits and costs of supplementing your existing Contract with the benefits and costs of purchasing a new Contract and you should consult with a tax adviser.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, THE REGISTRANT, AND THE FUNDS** 

**Pruco Life Insurance Company of New Jersey**

Pruco Life of New Jersey is a stock life insurance company, organized on September 17, 1982 under the laws of the state of New Jersey. It is licensed to sell life insurance and annuities only in the states of New Jersey and New York. Our principal Executive Office is located at 213 Washington Street, Newark, New Jersey 07102.

**The Pruco Life of New Jersey Variable Appreciable Account**

We have established the Account to hold certain assets that are associated with the Contracts. The Account was established on January 13, 1984 under New Jersey law and is registered with the SEC under the Investment Company Act of 1940 as a unit investment trust, which is a type of investment company. The Account meets the definition of a "Separate Account" under the federal securities laws. The Account holds assets that are segregated from all of our other assets. Thus, such assets that are held in support of client accounts are not chargeable with liabilities arising out of any other business Pruco Life of New Jersey conducts.

We are the legal owner of the assets in the Account. We will maintain assets in the Account with a total market value at least equal to the reserve and other liabilities relating to the variable benefits of the Funds attributable to the Contracts. In addition to these assets, the Account's assets may include funds contributed by us to commence operation of the Account and may include accumulations of the charges we make against the Account. From time to time we will transfer capital contributions and charges to our general account. We will consider any possible adverse impact the transfer might have on the Account before making any such transfer.

Income, gains and losses credited to, or charged against, the Account reflect the Account's own investment experience and not the investment experience of our other assets. The assets of the Account that are held in support of client accounts may not be charged with liabilities that arise from any other business we conduct.

We are obligated to pay all amounts promised to Contract Owners under the Contract. The obligations to Contract Owners and beneficiaries arising under the Contracts are our general corporate obligations.

You may invest in one or a combination of the available Funds and other Variable Investment Options. When you choose a Fund, we purchase shares of a Fund or a separate investment series of a Fund which are held as an investment for that option. We hold these shares in the Account. We may remove or add additional Funds including other Variable Investment Options in the future.

**The Funds**

The Series Fund is registered under the Investment Company Act of 1940 as an open-end diversified management investment company. Its shares are currently sold only to Separate Accounts of Prudential and certain other insurers that offer variable life insurance and variable annuity contracts. On October 31, 1986, the Pruco Life Series Fund, Inc, an open-end diversified management investment company, which sold its shares only to Separate Accounts of ours and Pruco Life Insurance Company of New Jersey, was merged into The Prudential Series Fund. Prior to that date, the Account invested only in shares of Pruco Life Series Fund, Inc.

The Account will purchase and redeem shares from the Series Fund at net asset value. Shares will be redeemed to the extent necessary for us to provide benefits under the Contract and to transfer assets from one Variable Investment Option to another, as requested by Contract Owners. Any dividend or capital gain distribution received from a Portfolio of the Series Fund will be reinvested immediately at net asset value in shares of that Portfolio and retained as assets of the corresponding Variable Investment Option.

This Contract offers Funds managed by AST Investment Services, Inc. and PGIM Investments LLC, both of which are affiliated companies of Pruco Life of New Jersey ("Affiliated Funds"), and Funds managed by companies not affiliated with Pruco Life of New Jersey ("Unaffiliated Funds"). Pruco Life of New Jersey and its affiliates ("Prudential Companies") receive fees and payments from both the Affiliated Funds and the Unaffiliated Funds. We consider the amount of these fees and payments when determining which Funds to offer through the Contract. Affiliated Funds may provide Prudential Companies with greater fees and payments than Unaffiliated Funds. Because of the potential for greater profits earned by the Prudential Companies with respect to the Affiliated Funds, we have an incentive to offer Affiliated Funds over Unaffiliated Funds. As indicated next to each Fund's description in **<u>[APPENDIX](#i6be4340899a1406ca41416e30512b09a_964)[A](#i6be4340899a1406ca41416e30512b09a_964)</u>** that follow, each Fund has one or more subadvisers that provide certain day-to-day investment management services. We have an incentive to offer Funds with certain subadvisers, either because the subadviser is a Prudential Company or because the subadviser provides payments or support, including distribution and marketing support, to the Prudential Companies. We may consider those subadviser financial incentive factors in determining which Funds to offer under the Contract. Also, in some cases, we offer Funds based on the recommendations made by selling broker-dealer firms. These firms may receive payments from the Funds they recommend and may benefit accordingly from allocations of Contract Fund value to the Variable Investment Options that invest in these Funds. Allocations made to all Affiliated Funds benefit us financially. See **<u>[Service Fees Payable To Pruco Life Of New Jersey](#i6be4340899a1406ca41416e30512b09a_670)</u>** for more information about fees and payments we may receive from the Funds and/or their affiliates.

Pruco Life of New Jersey has selected the Funds for inclusion as investment options under this Contract in Pruco Life of New Jersey's role as issuer of this Contract. We may remove or add additional Variable Investment Options in the future. We may consider the potential risk to us of offering a Fund in light of the benefits provided by the Contract.

PGIM Investments LLC serves as the investment manager for The Prudential Series Fund ("PSF") and certain Funds of AST. PGIM Investments LLC and AST Investment Services, Inc. serve as co-investment managers of the other Funds of AST.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

The investment management agreements for PSF and AST provide that the investment manager or co-investment managers (the "Investment Managers") will furnish each applicable Fund with investment advice and administrative services subject to the supervision of the Board of Trustees and in conformity with the stated policies of the applicable Fund. The Investment Managers must also provide, or obtain and supervise, the executive, administrative, accounting, custody, transfer agent, and shareholder servicing services that are deemed advisable by the Board of Trustees of the applicable Fund.

The Investment Managers or subadvisers for the Funds charge a daily investment management fee as compensation for their services. Allocations made to all AST and PSF Funds benefit us financially because fees are paid to us or our affiliates by the AST and PSF Funds. More detailed information, including a full description of these fees, is available in the Funds' prospectuses.

Information regarding each Fund, including (i) its name; (ii) its type; (iii) its Investment Manager(s) and subadviser(s); (iv) current expense; and (v) performance, is available in **<u>[APPENDIX A](#i6be4340899a1406ca41416e30512b09a_964)</u>**. Each Fund has issued its own separate prospectus that contains more detailed information about the Fund. **The Funds' prospectuses and statements of additional information are available at www.Prudential.com/eProspectus or by calling 800-778-2255.** You should read the Fund prospectuses before you decide to allocate assets to the Variable Investment Options. We will also provide you with the prospectus for each Fund in which you invest. The Variable Investment Options that you select are your choice – we do not provide investment advice, nor do we recommend any particular Variable Investment Option. There is no assurance that the investment objectives of the Funds will be met. Please refer to the tables in **<u>[APPENDIX A](#i6be4340899a1406ca41416e30512b09a_964)</u>** to see which Variable Investment Options you may choose.

In the future, it may become disadvantageous for Separate Accounts of variable life insurance and variable annuity contracts to invest in the same Funds. Neither the companies that invest in the Funds nor the Funds currently foresee any such disadvantage. The Board of Directors for each Fund intends to monitor events in order to identify any material conflict between variable life insurance and variable annuity contract owners and to determine what action, if any, should be taken. Material conflicts could result from such things as:

(1)changes in state insurance law;

(2)changes in federal income tax law;

(3)changes in the investment management of any Fund; or

(4)differences between voting instructions given by variable life insurance and variable annuity contract owners.

The terms "Fund" and "Portfolio" are largely used interchangeably. Some of the Funds use the term "Fund" and others use the term "Portfolio" in their respective prospectuses.

A Fund may have a similar name, investment objective, or investment policy resembling those of a mutual fund managed by the same investment adviser or subadviser that is sold directly to the public. Despite such similarities, there can be no assurance that the investment performance of any such Fund will resemble that of the publicly available mutual fund.

The tables in **<u>[APPENDIX A](#i6be4340899a1406ca41416e30512b09a_964)</u>** reflect the Funds in which the Account invests, their Fund type, and each Fund's investment subadvisers. For Funds with multiple subadvisers, each subadviser manages a portion of the assets for that Fund.

Although the PSF PGIM Government Money Market Portfolio is designed to be a stable investment option, it is possible to lose money in that Variable Investment Option. For example, when prevailing short-term interest rates are very low, the yield on the PSF PGIM Government Money Market Portfolio may be so low that, when Fund and Contract charges are deducted, you experience a negative return.

**Service Fees Payable To Pruco Life of New Jersey**

We and our affiliates receive substantial payments from the Funds and/or related entities, such as the Funds' advisers and subadvisers. Because these fees and payments are made to us and our affiliates, allocations you make to the Funds benefit us financially.

We receive Rule 12b-1 fees which compensate us for distribution and administrative services. These fees are paid by the Funds out of each Fund's assets and are therefore borne by Contract Owners. We also receive administrative services payments, some of which are paid by the Funds and some of which are paid by the advisers of the Funds or their affiliates and are referred to as "revenue sharing" payments. As of May 1, 2026, the maximum combined 12b-1 fees and administrative services payments we receive with respect to a Fund are equal to an annual rate of 0.55% of the average assets allocated to the Fund under the Contract. We expect to make a profit on these fees and payments and consider them when selecting the Funds available under the Contract.

In addition, an adviser or subadviser of a Fund or a distributor of the Contract may also compensate us by providing reimbursement, defraying the costs of, or paying directly for, among other things, marketing and/or administrative services and/or other services they provide in connection with the Contract. These services may include, but are not limited to: sponsoring or co-sponsoring various promotional, educational or marketing meetings and seminars attended by distributors, wholesalers, and/or broker-dealer firms' registered representatives, and creating marketing material discussing the Contract, available options, and Funds. The amounts paid depend on the nature of the meetings, the number of meetings attended by the adviser, subadviser, or distributor, the number of participants and attendees at the meetings, the costs expected to be incurred, and the level of the adviser's, subadviser's or distributor's participation. These payments or reimbursements may not be offered by all advisers, subadvisers, or distributors and the amounts of such payments may vary between and among each adviser, subadviser, and distributor depending on their respective participation.

In addition to the payments that we receive from Funds and/or their affiliates, those same Funds and/or their affiliates may make payments to us and/or other insurers within the Prudential Companies related to the offering of investment options within variable annuities or life insurance offered by different Prudential business units.

------

**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**AST Funds**

This Contract offers Variable Investment Options that invest in Funds offered through AST. The AST Variable Investment Options are also available in variable annuity contracts we offer. Some of these variable annuity contracts offer optional living benefits that utilize a predetermined mathematical formula (the "formula") to manage the guarantees offered in connection with those optional benefits. The formula monitors each annuity contract owner's account value daily and, if necessary, will systematically transfer amounts among investment options. The formula transfers assets between the Variable Investment Options for those variable annuity contracts and an AST bond fund (the AST bond fund is not available in connection with the life contracts offered through this prospectus). **You should be aware that the operation of the formula in those variable annuity contracts may result in large-scale asset flows into and out of the Funds corresponding to the Variable Investment Options that are available with your Contract. These asset flows could adversely impact the Funds, including their risk profile, expenses and performance.** Because transfers between the Variable Investment Options and the AST bond fund can be frequent and the amount transferred can vary from day to day, any of the Funds could experience the following effects, among others:

(a)a Fund's investment performance could be adversely affected by requiring a subadviser to purchase and sell securities at inopportune times or by otherwise limiting the subadviser's ability to fully implement the Fund's investment strategy;

(b)the subadviser may be required to hold a larger portion of assets in highly liquid securities than it otherwise would hold, which could adversely affect performance if the highly liquid securities underperform other securities (e.g., equities) that otherwise would have been held; and

(c)a Fund may experience higher turnover and greater negative asset flows than it would have experienced without the formula, which could result in higher operating expense ratios and higher transaction costs for the Fund compared to other similar funds.

The efficient operation of the asset flows among Funds triggered by the formula depends on active and liquid markets. If market liquidity is strained, the asset flows may not operate as intended. For example, it is possible that illiquid markets or other market stress could cause delays in the transfer of cash from one Fund to another Fund, which in turn could adversely impact performance.

Before you allocate to the Variable Investment Options with the AST Funds listed above, you should consider the potential effects on the Funds that are the result of the operation of the formula in the variable annuity contracts that are unrelated to your Contract. Please work with your financial professional to determine which Variable Investment Options are appropriate for your needs.

**Voting Rights**

We are the legal owner of the shares of the Funds associated with the Variable Investment Options. However, we vote the shares according to voting instructions we receive from Contract Owners. We will mail you a proxy, which is a form you need to complete and return to us to inform us how you wish us to vote. When we receive those instructions, we will vote all of the shares we own on your behalf in accordance with those instructions. We vote shares for which we do not receive instructions, and any other shares that we own in our own right, in the same proportion as the shares for which instructions are received. This voting procedure is sometimes referred to as "mirror voting" because, as indicated in the immediately preceding sentence, we mirror the votes that are actually cast, rather than decide on our own how to vote. We will also "mirror vote" shares that are owned directly by us or an affiliate (excluding shares held in the separate account of an affiliated insurer). In addition, because all the shares of a given Fund held within our Separate Account are legally owned by us, we intend to vote all of such shares when the Fund seeks a vote of its shareholders. As such, all such shares will be counted towards whether there is a quorum at the Fund's shareholder meeting and towards the ultimate outcome of the vote. Thus, under "mirror voting," it is possible that the votes of a small percentage of Contract Owners who actually vote will determine the ultimate outcome. Generally, you will be asked to provide instructions for us to vote on matters such as changes in a fundamental investment strategy, adoption of a new investment advisory agreement, or matters relating to the structure of the Fund that require a vote of shareholders. We may change the way your voting instructions are calculated if it is required by federal or state regulation. We may also elect to vote shares that we own in our own right if the applicable federal securities laws or regulations, or their current interpretation, change so as to permit us to do so.

We may, if required by state insurance regulations, disregard voting instructions if they would require shares to be voted so as to cause a change in the sub-classification or investment objectives of one or more Variable Investment Options or to approve or disapprove an investment advisory contract for the Fund. In addition, we may disregard voting instructions that would require changes in the investment policy or investment adviser of one or more of the available Variable Investment Options, provided that we reasonably disapprove such changes in accordance with applicable federal or state regulations. If we disregard Contract Owner voting instructions, we will advise Contract Owners of our action and the reasons for such action in the next available annual or semi-annual report.

**Substitution Of Variable Investment Options**

We may substitute one or more of the Variable Investment Options. We may terminate the availability of any Variable Investment Option at any time. If we do so, you will no longer be permitted to allocate additional investments to the option, either by premium payment or transfer. We would not do this without any necessary SEC and/or state approval. You will be given specific notice in advance of any substitution we intend to make.

**The Fixed Rate Option**

You may choose to invest, initially or by transfer, all or part of your Contract Fund to the Fixed Rate Option. This amount becomes part of our general account. The general account consists of all assets owned by us other than those in the Account and in other Separate Accounts that have been or may be established by us. Subject to applicable law, we have sole discretion over the investment of the general account assets, and Contract Owners do not share in the investment experience of those assets. Instead, we guarantee that the part of the Contract Fund allocated to the Fixed Rate Option will accrue interest daily at an effective annual

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

rate that we declare periodically, but not less than an effective annual rate of 4%. We are not obligated to credit interest at a rate higher than an effective annual rate of 4%, although we may do so.

Transfers out of the Fixed Rate Option are subject to strict limits. See **<u>[Transfers And Restrictions On Transfers](#i6be4340899a1406ca41416e30512b09a_934)</u>**. The payment of any Cash Surrender Value attributable to the Fixed Rate Option may be delayed up to six months. See **<u>[When Proceeds Are Paid](#i6be4340899a1406ca41416e30512b09a_877)</u>**.

Because of exemptive and exclusionary provisions, interests in the Fixed Rate Option under the Contract have not been registered under the Securities Act of 1933 and the general account has not been registered as an investment company under the Investment Company Act of 1940.

**CHARGES AND EXPENSES**

There are Contract charges and Fund expenses associated with the Contract that reduce the return on your investment. These charges and expenses are described below.

The total amount invested in the Contract Fund, at any time, consists of the sum of the amount credited to the Variable Investment Options, the amount allocated to the Fixed Rate Option, plus any interest credited on amounts allocated to the Fixed Rate Option and the principal amount of any Contract loan plus the amount of interest credited to the Contract upon that loan. See **<u>[Loans](#i6be4340899a1406ca41416e30512b09a_892)</u>**. Most charges, although not all, are made by reducing the Contract Fund.

When describing the Contract's charges, in several instances we use the terms "maximum charge" and "current charge." The "maximum charge", in each instance, is the highest charge that we may make under the Contract. The "current charge", in each instance, is the amount that we now charge, which may be lower than maximum charges. If circumstances change, we reserve the right to increase each current charge, up to the maximum Contract charge, without giving any advance notice. We will supplement this prospectus to reflect any increase in a current Contract charge, up to the maximum Contract charge, before the change is implemented.

Current charges deducted from premium payments and the Contract Fund may change from time to time, subject to maximum charges. In deciding whether to change any of these current charges, we will periodically consider factors such as mortality, persistency, expenses, taxes and interest and/or investment experience to see if a change in our assumptions is needed. Charges for taxes attributable to premiums will be set at one rate for all Contracts like this one. Changes in other charges will be by underwriting classification. We will not recoup prior losses or distribute prior gains by means of these changes.

The charges under the Contract are designed to cover, in the aggregate, our direct and indirect costs of selling, administering and providing benefits under the Contract. They are also designed, in the aggregate, to compensate us for the risks of loss we assume pursuant to the Contract. If, as we expect, the charges that we collect from the Contract exceed our total costs in connection with the Contract, we will earn a profit. Otherwise, we will incur a loss. The rates of certain of our charges have been set with reference to estimates of the amount of specific types of expenses or risks that we will incur. In most cases, this prospectus identifies such expenses or risks in the name of the charge; however, the fact that any charge bears the name of, or is designed primarily to defray a particular expense or risk does not mean that the amount we collect from that charge will never be more than the amount of such expense or risk. Nor does it mean that we may not also be compensated for such expense or risk out of any other charges we are permitted to deduct by the terms of the Contract. We may reduce stated fees under particular contracts as to which, due to economies of scale and other factors, our administrative costs are reduced.

**Administrative Fee**

We deduct a charge of $2 from each premium payment to cover the cost of collecting and processing premiums. Thus, if you pay premiums annually, this charge will be $2 per year. If you pay premiums monthly, the charge will be $24 per year. If you pay premiums more frequently, for example under a payroll deduction plan with your employer, the charge may be more than $24 per year.

**Sales Charge (Load)** 

We may charge up to 5% of premiums received in all Contract Years. This charge, often called a "sales load", is deducted to compensate us for the costs of selling the Contracts, including commissions, advertising, and the printing and distribution of prospectuses and sales literature. We will deduct part of this sales load from each premium received whether scheduled or unscheduled in an amount up to 5% of the portion of the premium remaining after the $2 administrative charge has been deducted. See **<u>[A](#i6be4340899a1406ca41416e30512b09a_993)[dministrative Fee](#i6be4340899a1406ca41416e30512b09a_993)</u>.** 

We will deduct the remainder of the sales load only if the Contract is surrendered or stays in default past its days of grace. This second part is called the contingent deferred sales load ("CDSL"). However, we will not deduct the CDSL for Contracts that lapse or are surrendered on or after the Contract's 10th anniversary or 10 years from an increase in the Face Amount. The CDSL will be reduced for Contracts that lapse or are surrendered sometime between the eighth month of the sixth year and the 10th anniversary of the Contract or increase in Face Amount. No CDSL is applicable to the Death Benefit, no matter when that becomes payable.

For Contracts under which premiums are payable annually, we charge the maximum CDSL if the Contract lapses or is surrendered, until the seventh month of the sixth Contract Year, or is an increase in the Face Amount. Thereafter, the sales charge will be the maximum charge reduced uniformly until it becomes zero at the end of the 10th Contract Year. More precisely, the CDSL will be the maximum charge reduced by a factor equal to the number of complete months that have elapsed between the end of the sixth month in the Contract's sixth year or increase in Face Amount and the date of surrender or lapse, divided by 54 (since there are 54 months between that date and the Contract's 10th anniversary). The following table shows illustrative CDSL charges that will be made when such Contracts are surrendered or lapse.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

---

| | | |
|:---|:---|:---|
| **Maximum Deferred Sales Load Percentages** | **Maximum Deferred Sales Load Percentages** | **Maximum Deferred Sales Load Percentages** |
| **For Contracts**<br>**Surrendered**<br>**During** | **The Deferred Sales Charge On Premium Will**<br>**Be the Following Percentage**<br>**Of One Scheduled Annual Premium** | **Which Is Equal To the Following Percentage Of the Scheduled**<br>**Premiums Due To Date Of Surrender** |
| Entire Year 1 | 25% | 25.00% |
| Entire Year 2 | 30% | 15.00% |
| Entire Year 3 | 35% | 11.67% |
| Entire Year 4 | 40% | 10.00% |
| Entire Year 5 | 45% | 9.00% |
| First 7 Months of Year 6 | 45% | 7.50% |
| First Month of Year 7 | 40% | 5.71% |
| First Month of Year 8 | 30% | 3.75% |
| First Month of Year 9 | 20% | 2.22% |
| First Month of Year 10 | 10% | 1.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;First Month of Year 11<br>&nbsp;&nbsp;&nbsp;&nbsp;and Thereafter | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0% | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.00% |

---

For Contracts under which premiums are payable more frequently than annually, the CDSL will be 25% of the first year's Scheduled Premiums due on or before the date of surrender or lapse and 5% of the Scheduled Premiums for the second through fifth Contract Years due on or before the date of surrender or lapse. Thus, for such Contracts the maximum CDSL will also be equal to 9% of the total Scheduled Premiums for the first five Contract Years. This amount will be higher in dollar amount than it would have been had premiums been paid annually because the total of the Scheduled Premiums is higher. See **<u>[PREMIUMS](#i6be4340899a1406ca41416e30512b09a_37)</u>**. To compensate for this, the reduction in the CDSL will start slightly earlier for Contracts under which premiums are paid semi-annually, still earlier if premiums are paid quarterly and even earlier if premiums are paid monthly. The reductions are graded smoothly so that the dollar amount of the CDSL for two persons of the same age, sex, contract size, and Contract Date, will be identical beginning in the seventh month of the sixth Contract Year without regard to the frequency at which premiums were paid. The CDSL is applied the same way for increases in Face Amount starting from the date of the increase instead of the Contract Date.

For purposes of determining the CDSL, the Scheduled Premium is the premium payable for an insured in the preferred rating class, even if the insured is in a higher rated risk class. Moreover, if premiums have been paid in excess of the Scheduled Premiums, the charge is based upon the Scheduled Premiums. If a Contract is surrendered when less than the aggregate amount of the Scheduled Premiums due on or before the date of surrender has been paid, the CDSL percentages will be applied to the premium payments due on or before the fifth anniversary date that were actually paid, whether timely or not, before surrender.

We waive the portion of the sales load deducted from each premium (5% of the portion of the premium remaining after the $2 processing charge has been deducted) for premiums paid beyond five years of Scheduled Premiums on an annual basis. Thus, with respect to a premium paid after that total is reached, only the 2.5% premium tax charge and the $2 processing charge is deducted before the premium is allocated to the investment options you choose. We may, on a uniform and non-contractual basis, withdraw or modify this concession, although we do not currently intend to do so. If you elect to increase the Face Amount of your Contract, the rules governing the non-guaranteed waiver of the 5% front-end sales load will apply separately to the base Contract and the increase. See **<u>[Increases In the Face Amount](#i6be4340899a1406ca41416e30512b09a_833)</u>**.

 **Taxes Attributable To Premiums** 

We deduct a charge of 2.5% for taxes attributable to premiums from each premium payment we receive. The premium tax charge is our estimate of the average burden of state taxes generally. Tax rates vary from jurisdiction to jurisdiction and generally range from 0% to 5%. The rate applies uniformly to all Contract Owners without regard to location of residence. We may collect more for this charge than we actually pay for state and local premium taxes. See **<u>[Company Taxes](#i6be4340899a1406ca41416e30512b09a_913)</u>**.

**Surrender Charge**

We assess a surrender charge if the Contract is surrendered or lapses when it is in default past its days of grace. This charge is made to compensate us for costs associated with the Contracts, such as: processing applications, conducting examinations, determining insurability and the insured's rating class, and establishing records. We deduct $5 per $1,000 of the Face Amount (excluding the automatic increase for Contracts issued on insureds aged 14 or less) if the Contract is surrendered or lapses, unless it stays in force until the end of the 10th Contract Year (later if additional insurance is added after issue). However, we reduce this charge for Contracts that lapse or are surrendered after the 5<sup>th</sup> Contract Anniversary. For each full additional month that the Contract stays in force on a premium paying basis, we will reduce the surrender charge by $0.0833 per $1,000 of the initial Face Amount until it reaches zero at the end of the 10<sup>th</sup> Contract Year. We do not deduct a surrender charge from the Death Benefit if the insured dies during the first 10 Contract Years or 10 years from an increase in the Face Amount.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**Cost Of Insurance**

We deduct a monthly cost of insurance ("COI") charge proportionately from the dollar amounts held in each of the chosen investment options. The purpose of this charge is to provide insurance coverage. When an insured dies, the amount payable to the beneficiary (assuming there is no Contract Debt) is larger than the Contract Fund - significantly larger if the insured dies in the early years of a Contract. The COI charges collected from all Contract Owners enables us to pay this larger Death Benefit. The maximum COI charge is determined by multiplying the amount by which the Contract's Death Benefit exceeds the Contract Fund ("net amount at risk") under a Contract by maximum per $1,000 COI rates.

The net amount at risk is based on your Death Benefit and your Contract Fund; therefore it is impacted by such factors as investment performance, charges, fees, and premium payments. The current, monthly COI rates in effect at any given time vary by Face Amount and Contract duration, as well as the Issue Age, sex, and underwriting class of the insured. The rates generally increase over time but are never more than the maximum charges listed in the data pages of your Contract. The maximum COI rates are based upon the 1980 Commissioners Standard Ordinary ("CSO") Mortality Tables and an insured's current Attained Age, sex (except where unisex rates apply), smoker/nonsmoker status, and extra rating class, if any. At most ages, our current COI rates are lower than the maximum rates. Current COI charges range from $0.06 to $83.34 per $1,000 of net amount at risk.

COI rates are applied to the net amount at risk to determine the COI charge. Generally, a higher Contract Fund value in relation to the Death Benefit will result in a lower net amount at risk and lower COI charge. A lower Contract Fund value in relation to the Death Benefit will result in a higher net amount at risk and a higher COI charge. For Contracts with a Form A Death Benefit, the net amount at risk generally changes as the Contract Fund changes. For Contracts with a Form B Death Benefit, the net amount at risk generally does not change as the Contract Fund changes.

The following table provides hypothetical examples of the net amount at risk's role in determining COI charges. The examples assume a $1,000,000 Face Amount, the Death Benefit meets the definition of life insurance test, and a current monthly COI rate of $1.00 per $1,000 of net amount at risk.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Example Net Amount At Risk Scenarios** | **Example Net Amount At Risk Scenarios** | **Example Net Amount At Risk Scenarios** | **Example Net Amount At Risk Scenarios** | **Example Net Amount At Risk Scenarios** |
| Death Benefit Form | Death Benefit Amount | Contract Fund Value | Net Amount At Risk | Month's COI Charge |
| Form A | $1000000 | $125000 | $875000 | $875.00 |
| Form A | $1000000 | $175000 | $825000 | $825.00 |
| Form B | $1050000 | $125000 | $925000 | $925.00 |
| Form B | $1100000 | $175000 | $925000 | $925.00 |

---

Because the net amount at risk is based on your Death Benefit and your Contract Fund, it may be impacted by such factors as investment performance, charges, fees, and premium payments. Paying less premiums, paying premiums late, experiencing poor investment performance, and/or earning less interest may reduce Contract Fund value and increase the net amount at risk, and may also cause the Contract to lapse earlier unless additional premiums are paid. Similarly, paying more premiums, paying premiums earlier, experiencing better market performance, and/or earning more interest may increase Contract Fund value and, in some cases, lower the net amount at risk on which COI charges are based.

**Mortality And Expense Risk Charge**

Each day we deduct a charge from the assets of each of the Variable Investment Options in an amount equivalent to an effective annual rate of 0.60%. This charge is intended to compensate us for assuming mortality and expense risks under the Contract. The mortality risk we assume is that insureds may live for shorter periods of time than we estimated when mortality charges were determined. The expense risk we assume is that expenses incurred in issuing and administering the Contract will be greater than we estimated in fixing our administrative charges. This charge is not assessed against amounts allocated to the Fixed Rate Option.

**Additional Charge For Certain Risks**

If an insured is in a substandard risk classification (for example, a person with a health condition), additional charges will be deducted and the Scheduled Premium will be increased. This additional monthly charge or "flat extra" is charged as a dollar amount per $1,000 of Face Amount.

**Fee For the Face Amount**

Each month we deduct an administrative charge based on the Face Amount. This charge is intended to compensate us for things like processing claims, keeping records and communicating with Contract Owners. We deduct $2.50 per Contract and up to $0.02 per $1,000 of the Face Amount. This charge also applies to increases in the Face Amount, except for the automatic increase under Contracts issued on insureds of 14 years of age or less. Currently, the charge of $0.02 per $1,000 of the Face Amount will not exceed $2 per month and is waived for Contracts issued on a Pru-Matic Premium Plan after June 1, 1987. Thus, we will deduct $44.40 per year for a Contract with the minimum Face Amount of $60,000, not issued on a Pru-Matic Premium Plan basis. We will not make this charge if your Contract becomes paid-up or has been continued in force, after lapse, as variable reduced paid-up insurance.

If the Face Amount is increased, we charge up to $0.02 per $1,000 of increase in Face Amount.

**Guaranteed Death Benefit Fee For the Face Amount Or an Increase To the Face Amount**

We also deduct a charge of $0.01 per $1,000 of the Face Amount (excluding the automatic increase under Contracts issued on insureds of 14 years of age or less). We deduct this charge for the risk we assume by guaranteeing that, no matter how unfavorable investment experience may be, the Death Benefit will never be less than the guaranteed minimum Death Benefit, so long as

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

Scheduled Premiums are paid on or before the due date or during the grace period. We do not make this charge if your Contract becomes paid-up or has been continued in force, after lapse, as variable reduced paid-up insurance.

**Transaction Charges**

(a)We charge a withdrawal fee in an amount up to $15 for each withdrawal.

(b)We may charge a transaction fee of up to $15 for any change in the Face Amount.

(c)We charge a Living Needs Benefit<sup>SM</sup> Rider transaction fee of up to $150 for Living Needs Benefit<sup>SM</sup> payments.

**Net Interest On Loans**

Interest accrues daily on the total outstanding Contract Debt. At Contract issue, you may choose one of two interest rate options. You may elect to have interest charges accrued daily at a fixed effective annual rate of 5.5%. Alternatively, you may elect a variable interest rate that changes from time to time. You may switch from the fixed to variable interest loan provision, or vice versa, with our consent. If you elect the variable loan interest rate provision, interest charged on any loan will accrue daily at an annual rate we determine at the start of each Contract Year (instead of at the fixed 5.5% rate).

Interest payments on any loan are due at the end of each Contract Year. If interest is not paid when due, it is added to the principal amount of the loan.

The net interest on loans reflects the net difference between a loan with an effective annual interest rate of 5.5% and an effective annual interest credited equal to 4%. The variable loan interest credited is one percentage point less than the variable interest rate currently being charged on the Contract. See **<u>[Loans](#i6be4340899a1406ca41416e30512b09a_892)</u>**.

**Charges For Rider Coverage**

Contract Owners may be able to obtain additional benefits, which may increase the Scheduled Premium. These optional insurance benefits are described in what is known as a "rider" to the Contract. We deduct a monthly charge from the Contract Fund if additional benefits cause an increase to your Scheduled Premium.

You may add one or more riders to the Contract. The following riders are charged for separately. See **<u>[RIDERS](#i6be4340899a1406ca41416e30512b09a_31)</u>**.

**Accidental Death Benefit Rider –** We deduct a monthly charge for this rider, which provides an additional Death Benefit if the insured's death is accidental. The charge ranges from $0.04 to $0.64 per $1,000 of coverage based on Issue Age and sex of the insured, and is charged until the first Contract Anniversary on or after the insured's 100<sup>th</sup> birthday.

**Insured Waiver Of Premium Rider** – We deduct a monthly charge for this rider which pays all premiums due on a Contract while the insured is totally disabled. The charge ranges from $0.12 to $0.208 per $1,000 of coverage, is based on Issue Age and sex of the insured, and is charged until the first Contract Anniversary following the insured's 65th birthday.

**Applicant Waiver Of Premium Rider -** We charge a premium for this rider which allows for premiums due on the Contract to be waived by us in the event of the applicant's total disability or death during this rider's coverage period. The premium charge ranges from 0.40% to 3.14% of the Contract's annual premiums, is based on Issue Age and sex of the insured, and is charged until the insured child's attained age 25.

**Children Level Term Rider –** We deduct a monthly charge for this rider, which provides term life insurance on all dependent children that are covered under this rider. The charge is $0.45 per $1,000 of coverage and is charged until the earliest of the death of the Insured, the first Contract Anniversary after the Insured's 65th birthday, and you notify us to discontinue the rider coverage. Rider charges may continue even after coverage on your last covered child has ended. If your children are no longer covered under the rider and you do not expect to have additional children who would be covered, consider discontinuing the rider.

**Term Insurance Benefit On Life Of Insured Riders –** We deduct a monthly charge for term riders on the life of the insured which provide term life insurance coverage on the life of the insured. There are multiple variations of term insurance riders available on this product. Across all variations, the maximum charge ranges from $0.173 to $2.59 per $1,000 of rider coverage, is based on Issue Age and sex of the insured, and benefit premiums and monthly charges stop on the earliest of the death of the Insured or the Contract Anniversary at the end of the term period for the benefit.

**Term Insurance Benefit On Life Of Insured Spouse Riders –** We deduct a monthly charge for term riders on the life of the insured's spouse which provide term life insurance coverage on the life of the insured's spouse. There are multiple variations of term insurance benefits on the life of the insured's spouse that are available on this product. Across all variations, the maximum charge ranges from $0.153 to $1.91 per $1,000 of rider coverage, is based on Issue Age and sex of the insured, and 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 the benefit.

**Living Needs Benefit**<sup>SM</sup> **Rider –** We deduct a fee of up to $150 if you exercise this rider, which allows you to receive an accelerated payment of the Death Benefit if the insured becomes terminally ill or is confined to a nursing home (not available in New York).

**Option To Purchase Additional Insurance Rider -** We deduct a monthly charge for this rider, which provides the right to purchase more insurance on the Insured's life without having to prove insurability. The charge ranges from $0.06 to $0.47 per $1,000 of rider coverage, is based on Issue Age and sex of the insured, and benefit premiums and charges stop on the Contract Anniversary on which the Insured's Attained Age is 52.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**Fund Expenses**

As described in each Fund's prospectus, fees are deducted from and expenses are paid out of the assets in the Fund. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255.

**Allocated Charges** 

On the Contract Date, we deduct a $2 administrative charge, a deduction of up to 5% for sales charges, and 2.5% for taxes attributable to premiums from the initial premium. Then the first monthly charges are deducted. The remainder of the initial premium will be allocated among the Variable Investment Options or the Fixed Rate Option according to the allocations you specified in the application form. The invested portion of any part of the initial premium in excess of the Scheduled Premium is generally placed in the selected investment options as of the end of the Valuation Period in which it is received in Good Order at the Payment Office, but not earlier than the Contract Date.

After the Contract Date, we deduct a $2 administrative charge, a deduction of up to 5% for sales charges, and 2.5% for taxes attributable to premiums from each subsequent premium payment. The remainder of each subsequent premium payment will be invested as of the end of the Valuation Period in which it is received in Good Order at the Payment Office in accordance with the applicable allocation instructions. The "Valuation Period" means the period of time from one determination of the value of the `amount invested in a Variable Investment Option to the next. Such determinations are made when the net asset values of the Portfolios of the Variable Investment Option are calculated, which is as of the close of regular trading on the New York Stock Exchange ("NYSE") (generally 4:00 p.m. Eastern time.) With respect to any premium payment that is not in Good Order, we may temporarily hold the premium in a suspense account and we may earn interest on such amount. You will not be credited interest on those amounts during that period. The monies held in the suspense account may be subject to claims of our general creditors. The premium payment will not be reduced or increased due to market fluctuations during that period.

You may change the way in which subsequent premiums are allocated by providing your request to us in Good Order at a Service Office. Allocation changes may generally be made by mail, phone, fax, or website. Contracts that are jointly owned or assigned generally cannot change premium allocations by phone, fax or website. See **<u>[Assignment](#i6be4340899a1406ca41416e30512b09a_808)</u>**. There is no charge for reallocating future premiums among the investment options. If any portion of a premium is allocated to a particular Variable Investment Option or to the Fixed Rate Option, that portion must be at least 10% on the date the allocation takes effect. All percentage allocations must be in whole numbers. For example, 33% can be selected but 33⅓% cannot. Of course, the total allocation to all selected investment options must equal 100%.

**Charges After Age 100**

Beginning on the first Contract Anniversary on or after the insured's 100<sup>th</sup> birthday, we will no longer accept premiums or deduct monthly charges from the Contract Fund. You may continue the Contract until the insured's death, or until you surrender the Contract for its Cash Surrender Value. You may continue to make transfers, loans, loan repayments, and withdrawals, subject to the limitations on these transactions described elsewhere in this prospectus. We will continue to make daily deductions for mortality and expense risk charges, and the Funds will continue to charge operating expenses if you have amounts in the Variable Investment Options. Any Contract loan will remain outstanding and continue to accrue interest until it is repaid. The Contract can only lapse if Contract Debt grows to be equal to or more than the cash value.

**Commissions Paid To Broker-Dealers**

The Contract is sold through broker-dealers authorized by Pruco Securities and applicable law to do so. Pruco Securities, an indirect wholly owned subsidiary of Prudential Financial, Inc., acts as the principal underwriter of the Contract. Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration according to one or more schedules.

Compensation is based on the scheduled premium. The scheduled Premium will vary by Issue Age, sex, smoker/nonsmoker, substandard rating class, and any riders selected by the Contract Owner.

Broker-dealers will receive compensation of up to 99% of premiums received in the first 12 months following the Contract Date on total premiums received since issue up to the first Scheduled Premium, and up to 8% on premiums received up to the next nine Scheduled Premiums. Moreover, broker-dealers will receive compensation of up to 6% on premiums received to the extent that premiums exceed the first 10 Scheduled Premiums in years two through five, up to 4.5% on premiums received in years six through 10, and up to 3% beyond 10 years.

If the Face Amount is increased, broker-dealers will receive compensation of up to 99% on premiums received up to the first Scheduled Premium for the increase received in the first 12 months following the effective date of the increase and up to 8% of premiums received up to the next nine Scheduled Premiums for the increase. Moreover, broker-dealers will receive compensation of up to 6% on premiums received following the effective date of the increase to the extent that premiums exceed the first 10 Scheduled Premiums in years two through five, up to 4.5% on premiums received in years six through 10, and up to 3% beyond 10 years.

More information on commissions and other compensation paid for distribution of the Contract is provided under **<u>[DISTRIBUTION AND COMPENSATION](#i6be4340899a1406ca41416e30512b09a_52)</u>**.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**PERSONS HAVING RIGHTS UNDER THE CONTRACT**

**Contract Owner**

Generally, the Contract Owner is the insured. There are circumstances when the Contract Owner is not the insured. There may also be more than one Contract Owner. If the Contract Owner is not the insured or there is more than one Contract Owner, they will be named in an endorsement to the Contract. This ownership arrangement will remain in effect unless you ask us to change it.

While the insured is living, the Contract Owner is entitled to any Contract benefit and value. Only the Contract Owner is entitled to exercise any right and privilege granted by the Contract or granted by us. For example, the Contract Owner is generally entitled to access Contract values through loans or withdrawals, assign the Contract, surrender the Contract, and to name or change the beneficiary. If the Contract is jointly owned, the exercise of any right or privilege under this Contract must be made by all Contract Owners.

**Beneficiary**

The beneficiary is entitled to receive any benefit payable on the death of the insured. You may designate or, provided the beneficiary has not been irrevocably designated, change a beneficiary by sending us a request. If a beneficiary has been designated by you as irrevocable, it cannot be changed thereafter without the consent of the irrevocable beneficiary. We may ask you to send us the Contract to be endorsed. If we receive your request in Good Order, and the Contract if we ask for it, we will file and record the change and it will take effect as of the date you sign the request. However, if we make any payments before we receive the request, we will not have to make the payments again. When we are made aware of an assignment, we will recognize the assignee's rights before any claim payments are made to the beneficiary, unless the beneficiary has been irrevocably designated. When a beneficiary is designated, any relationship shown is to the insured, unless otherwise stated.

**OTHER GENERAL CONTRACT PROVISIONS**

**Settlement Options**

The Contract grants to most Contract Owners, or to the beneficiary, a variety of optional ways of receiving Contract proceeds. Under the Contract, the Death Benefit may be paid in a single sum or under one of the optional modes of settlement. Any Pruco Life of New Jersey representative can explain these options upon request.

**Assignment**

This Contract may not be assigned if the assignment would violate any federal, state or local law or regulation prohibiting sex distinct rates for insurance. Generally, the Contract may not be assigned to an employee benefit plan or program without our consent. We assume no responsibility for the validity or sufficiency of any assignment. We will not be obligated to comply with any assignment unless we receive a copy at a Service Office.

**Incontestability**

We will not contest the Contract after it has been in force during the insured's lifetime for two years from the issue date, the reinstatement date, or the effective date of any change made to the Contract that requires our approval and would increase our liability.

**Misstatement Of Age Or Sex**

If the insured's stated age or sex or both are incorrect in the Contract, we will adjust the Death Benefit payable and any amount to be paid, as required by law, to reflect the correct age and sex. If we learn of the inaccuracy after the insured's death, any such benefit will be based on what the most recent deductions from the Contract Fund would have provided at the insured's correct age and sex. If we learn of the inaccuracy before the insured's death, the Face Amount will be adjusted to what the current scheduled premium would have purchased at the correct age and sex. Adjustments to the Death Benefit for misstatements of age or sex are not restricted to the incontestability provision described above.

**Suicide Exclusion**

Generally, if the insured, whether sane or insane, dies by suicide within two years from the Contract Date, the Contract will end and we will return the premiums paid, less any Contract Debt, and less any withdrawals. Generally, 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 Face Amount, we will pay, as to the increase in amount, no more than the sum of the premiums paid on and after the effective date of an increase. If the insured, whether sane or insane, dies by suicide within two years from the effective date of a reinstatement, this Contract will end without any Death Benefit paid, and we will return any reinstatement charge and any premiums paid after the reinstatement date less any Contract Debt and less any withdrawals.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**STANDARD DEATH BENEFITS**

**Types Of Death Benefit**

You must select from two types of Death Benefit at issue. A Contract with a Form A Death Benefit has a Death Benefit, which will generally equal the initial Face Amount. Favorable investment results and additional premium payments will generally increase the Cash Surrender Value and decrease the net amount at risk and result in lower charges.

This type of Death Benefit does not vary with the investment performance of the investment options you selected, unless:

• the Contract becomes paid-up (VAL-84 Contracts only), or;

• when the premiums you pay or favorable investment performance causes the Contract Fund to grow to the point where we may increase the Death Benefit to ensure that the Contract will satisfy the Internal Revenue Code's definition of life insurance (VAL-86 Contracts only). See **<u>[When a Contract Becomes Paid-Up](#i6be4340899a1406ca41416e30512b09a_986)</u>**.

The Scheduled Premium shown in the Contract will be the same for a given insured, regardless of what Contract Form you chose. See **<u>[How a Contract's Cash Surrender Value Will Vary](#i6be4340899a1406ca41416e30512b09a_872)</u>**.

A Contract with a Form B Death Benefit has a Death Benefit, which will generally equal the Face Amount plus, if any, excess Contract Fund over the Tabular Contract Fund. Favorable investment performance and additional premium payments will generally increase your Contract's Death Benefit and Cash Surrender Value. However, the increase in the Cash Surrender Value for Form B Contract may be less than the increase in Cash Surrender Value for a Form A Contract because a Form B Contract has a greater cost of insurance charge due to a greater net amount at risk. Because your Contract's Death Benefit is based in part on the value of your Contract Fund, Contract charges and unfavorable investment performance will decrease your Death Benefit and Cash Surrender Value. As long as the Contract is not in default, there have been no withdrawals, and there is no Contract Debt, the Death Benefit may not fall below the Face Amount stated in the Contract, plus the amount, if any, by which the Contract Fund exceeds the Tabular Contract Fund.

Both Form A and Form B Contracts covering insureds of 14 years of age or less contain a special provision providing that the Face Amount will automatically be increased, on the Contract Anniversary after the insured's 21st birthday, to 150% of the initial Face Amount, so long as the Contract is not then in default. This new Face Amount becomes the new guaranteed minimum Death Benefit. The Death Benefit will also usually increase, at the same time, by the same dollar amount. In certain circumstances, however, it may increase by a smaller amount. See **<u>[When a Contract Becomes Paid-Up](#i6be4340899a1406ca41416e30512b09a_986)</u>**. This increase in Death Benefit will also generally increase the net amount at risk under the Contract, thus increasing the mortality charge deducted each month from amounts invested under the Contract. See **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>**. The automatic increase in the Face Amount may affect the level of future premium payments you can make without causing the Contract to be classified as a Modified Endowment Contract. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>**.

Contract Owners of a Form A Contract should note that any withdrawal may result in a reduction of the Face Amount and the deduction of any applicable surrender charges. We will not allow you to make a withdrawal that will decrease the Face Amount below the minimum Face Amount. For Form B Contracts, withdrawals will not change the Face Amount, will not incur a surrender charge for a withdrawal, and are not restricted if a minimum size Contract was purchased. See **<u>[Withdrawals](#i6be4340899a1406ca41416e30512b09a_887)</u>**.

Under VAL-84 Contracts there are other distinctions between the Contract Forms. Form A Contracts will become paid-up more rapidly than a comparable Form B Contract. But Contract Owners of Form A Contracts should be aware that since premium payments and favorable investment experience do not increase the Death Benefit, unless the Contract has become paid-up, the beneficiary will not benefit from the possibility that the Contract will have a large Cash Surrender Value at the time of the insured's death.

A VAL-86 Contract will never become paid-up. Instead, the Death Benefit under these Contracts is always at least as great as the Contract Fund divided by the net single premium. Thus, instead of becoming paid-up, we will increase the Contract's Death Benefit so it will always be large enough to meet the Internal Revenue Code's definition of life insurance. Whenever the Death Benefit is determined in this way, we reserve the right to refuse to accept further premium payments, although in practice the payment of at least Scheduled Premiums will be allowed. See **<u>[When a Contract Becomes Paid-Up](#i6be4340899a1406ca41416e30512b09a_986)</u>**.

**How a Contract's Death Benefit Will Vary** 

***VAL-84 Contracts:***

Under a Form A Contract, the Death Benefit will not vary (except for Contracts issued on insureds of age 14 or less) regardless of the payment of additional premiums or the investment results of the selected investment options, unless the Contract becomes paid-up. See **<u>[When a Contract Becomes Paid-Up](#i6be4340899a1406ca41416e30512b09a_986)</u>**. The Death Benefit does reflect a deduction for the amount of any Contract Debt. See **<u>[Loans](#i6be4340899a1406ca41416e30512b09a_892)</u>**.

Under a Form B Contract, the Death Benefit will vary with investment experience and premium payments. Assuming no Contract Debt, the Death Benefit under a Form B Contract will, on any day, be equal to the Face Amount plus the amount (if any) by which the Contract Fund value exceeds the applicable "Tabular Contract Fund" for the Contract. The "Tabular Contract Fund" for each Contract Year is an amount that is slightly less than the Contract Fund value that would result as of the end of such year if:

(1)you paid only Scheduled Premiums;

(2)you paid Scheduled Premiums when due;

(3)your selected investment options earned a net return at a uniform rate of 4% per year;

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

(4)we deducted full mortality charges based upon the 1980 CSO Table;

(5)we deducted maximum sales load and expense charges; and

(6)there were no withdrawals.

Each Contract contains a table that sets forth the Tabular Contract Fund as of the end of each of the first 20 years of the Contract. Tabular Contract Fund between Contract anniversaries are determined by interpolation.

Thus, under a Form B Contract with no Contract Debt, the Death Benefit will equal the Face Amount if the Contract Fund equals the Tabular Contract Fund. If, due to investment results greater than a net return of 4%, or to greater than Scheduled Premiums, or to lesser than maximum charges, the Contract Fund value is a given amount greater than the Tabular Contract Fund, the Death Benefit will be the Face Amount plus that excess amount. If, due to investment results less favorable than a net return of 4%, the Contract Fund value is less than the Tabular Contract Fund, and the Contract remains in force because Scheduled Premiums have been paid, the Death Benefit will not fall below the initial Face Amount stated in the Contract. The Death Benefit will also reflect a deduction for the amount of any Contract Debt. See **<u>[Loans](#i6be4340899a1406ca41416e30512b09a_892)</u>**. Any unfavorable investment experience must subsequently be offset before favorable investment results or greater than Scheduled Premiums will increase the Death Benefit.

***VAL-86 Contracts:***

Under a Form A Contract, the Death Benefit will be the greater of (1) the Face Amount; and (2) the Contract Fund divided by the net single premium per $1 of Death Benefit at the insured's Attained Age on that date. In other words, the second alternative ensures that the Death Benefit will not be less than the amount of life insurance that could be provided for an invested single premium amount equal to the amount of the Contract Fund.

Under a Form B Contract, the Death Benefit will be the greater of (1) the Face Amount plus the excess, if any, of the Contract Fund over the Tabular Contract Fund; and (2) the Contract Fund divided by the net single premium per $1 of Death Benefit at the insured's Attained Age on that date. Thus, under VAL-86 Contracts, the Death Benefit may be increased based on the size of the Contract Fund and the insured's Attained Age and sex. This ensures that the Contract will satisfy the Internal Revenue Code's definition of life insurance. The net single premium is used only in the calculation of the Death Benefit, not for premium payment purposes. The following is a table of illustrative net single premiums for $1 of Death Benefit.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Male Attained Age** | **Net Single Premium** | **Increase In Insurance Amount Per $1 Increase In Contract Fund** | **Female Attained Age** | **Net Single Premium** | **Increase In Insurance Amount Per $1 Increase In Contract Fund** |
| &nbsp;&nbsp;&nbsp;&nbsp;5<br>25<br>35<br>55<br>65 | .09884 | $10.12<br>$5.42<br>$3.91<br>$2.11<br>$1.64 | &nbsp;&nbsp;&nbsp;&nbsp;5<br>25<br>35<br>55<br>65 | .08198 | $12.20<br>$6.37<br>$4.57<br>$2.45<br>$1.85 |

---

Generally, whenever the Death Benefit is determined in this way, we will continue to accept the average of all premiums paid over the last five years; however, we reserve the right to refuse to accept any further premium payments.

You may increase or decrease the Face Amount of your Contract, subject to certain conditions, regardless of the form type or the issue date of your Contract. See **<u>[Increases In the Face Amount](#i6be4340899a1406ca41416e30512b09a_833)</u>** and **<u>[Decreases In the Face Amount](#i6be4340899a1406ca41416e30512b09a_838)</u>**.

**Increases In the Face Amount**

After your first Contract Anniversary, you may increase your amount of insurance by increasing the Face Amount of the Contract. The increase will be subject to state approval and the underwriting requirements we determine.

The following conditions must be met:

(1)you must ask for the change by sending us a request in Good Order to our Service Office;

(2)the amount of the increase in the Face Amount must be at least $25,000;

(3)you must prove to us that the insured is insurable for any increase;

(4)the Contract must not be in default;

(5)you must pay an appropriate premium at the time of the increase;

(6)we must not be paying premiums into the Contract as a result of the insured's total disability; and

(7)if we ask you to do so, you must send us the Contract to be endorsed.

If we approve the change, we will send you new data pages for your Contract showing the amount and effective date of the change and the recalculated charges, values and limitations. If the insured is not living on the effective date, the change will not take effect. Currently, no transaction charge is being made in connection with an increase in the Face Amount. However, we reserve the right to deny the increase if we change any of the bases on which benefits and charges are calculated for newly issued Contracts between the Contract Date and the date of your requested increase.

An increase in the Face Amount resulting in a total Face Amount under the Contract of at least $100,000 may, subject to strict underwriting requirements, render the Contract eligible for a select rating for a nonsmoker, which provides lower current cost of insurance rates.

Upon an increase in the Face Amount, we will recalculate the Contract's Scheduled Premiums, contingent deferred sales load ("CDSL") and transaction charges, Tabular Contract Fund, and monthly deductions from the Contract Fund. Requests for increases received within six months after the most recent Contract Anniversary will be effective on your choice of the prior or the next

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

Contract Anniversary and is limited only by applicable state law. Requests for increases received more than six months after the most recent Contract Anniversary will be effective on the following anniversary. A payment will be required on the date of increase, which will depend, in part, on the Contract Anniversary you select for the re-calculation. We will tell you the amount of the required payment. You should also note that an increase in the Face Amount may cause the Contract to be classified as a Modified Endowment Contract. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>** . Therefore, before increasing the Face Amount, you should consult your own tax adviser and Pruco Life of New Jersey representative.

If the increase is approved, the new insurance will take effect once we receive the proper forms, any medical evidence necessary to underwrite the additional insurance, and any additional premium amount needed for the increase.

We will assess, upon lapse or surrender, following an increase in the Face Amount, the sum of (a) the CDSL and transaction charges that would have been assessed if the initial base Contract had not been amended and had lapsed or been surrendered; and (b) the CDSL and transaction charges that would have been assessed if the increase in Death Benefit had been achieved by the issuance of a new contract, and that Contract had lapsed or been surrendered. All premiums paid after the increase will, for purposes of determining the CDS applicable in the event of surrender or lapse, be deemed to have been made partially under the base Contract, and partially in payment of the increase, in the same proportion as that of the original Scheduled Premium and the increase in Scheduled Premiums. An increase in the Face Amount triggers new CDSL and transaction charges, therefore, you should not elect to increase the Face Amount of your Contract if you are contemplating a total or partial surrender or a decrease in the Face Amount.

An increase in the Face Amount will be treated comparably to the issuance of a new contract for purposes of the non-guaranteed waiver of the 5% front-end sales load. See **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>**. Thus, premiums paid after the increase will, for purposes of determining whether the 5% front-end sales load will be waived, be allocated to the base Contract and to the increase based on the proportional premium allocation rule as described. The waiver will apply to the premiums paid after the increase only after the premiums so allocated exceed five scheduled annual premiums for the increase. Thus, a Contract Owner considering an increase in the Face Amount should be aware that such an increase will incur charges comparable to the purchase of a new contract.

If you elect to increase the Face Amount, you will receive a right to cancel period to cancel the increase, not the entire Contract. Generally, you may exercise this right within 10 days after you receive the Contract with the increase or within 45 days after execution of the application for the increase, whichever is later. Charges deducted after the increase will be recalculated as though no increase had been applied.

You may transfer the total amount attributable to the increase in the Face Amount from the Variable Investment Options or the Fixed Rate Option at any time within two years after an increase in the Face Amount.

The right to convert the increase in the Face Amount to a fixed benefit policy will exist for 24 months after the increase is issued and the form of exchange right will be the same as that available under the base Contract purchased. There may be a cash payment required upon the exchange.

**Decreases In the Face Amount**

You have the option of decreasing the Face Amount without withdrawing any Cash Surrender Value. If a change in circumstances causes you to determine that your amount of insurance is greater than needed, a decrease will reduce your insurance protection and the monthly deductions for the COI.

The following conditions must be met:

(1) the amount of the decrease must be at least $10,000;

(2) the Face Amount after the decrease must be at least equal to the minimum Face Amount applicable to your Contract; and

(3) if we ask you to do so, you must send us the Contract to be endorsed.

If we approve the decrease, we will send you new contract data pages showing the new Face Amount, Tabular Contract Fund, Scheduled Premiums, charges, values, and limitations. A Contract is no longer eligible for the select rating if the Face Amount is reduced below $100,000. Currently, a $15 transaction fee is deducted from the Contract Fund in connection with a decrease in the Face Amount. We will also reduce your Contract Fund by deducting a proportionate part of the CDSL and surrender charges, if any.

We may decline a decrease in the Face Amount if we determine it would cause the Contract to fail to qualify as "life insurance" for purposes of Section 7702 of the Internal Revenue Code. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>.** 

It is important to note, however, that if the Face Amount is decreased there is a possibility that the Contract will be classified as a Modified Endowment Contract. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>**. You should consult with your tax adviser and your Pruco Life of New Jersey representative before requesting any decrease in the Face Amount.

**Death Claim Settlement Options**

The beneficiary may choose to receive death claim proceeds by any of the settlement options available at the time the proceeds become payable or by payment of a lump sum check.

Any Pruco Life of New Jersey representative authorized to sell this Contract can explain all the settlement options upon request.

**When Death Benefit Proceeds Are Paid**

Generally, we will pay any Death Benefit, Cash Surrender Value, loan proceeds or partial withdrawal within seven days after all the documents required for such a payment are received in Good Order at the office designated to receive that request. Other than the Death Benefit, which is determined as of the date of death, the amount will be determined as of the end of the Valuation Period in which the necessary documents are received in Good Order at the office designated to receive that request. However, we may delay

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

payment of proceeds from the Variable Investment Options and the variable portion of the Death Benefit due under the Contract if the disposal or valuation of the Account's assets is not reasonably practicable because the New York Stock Exchange is closed for other than a regular holiday or weekend, trading is restricted by the SEC, or the SEC declares that an emergency exists.

We have the right to delay payment of the Cash Surrender Value attributable to: (1) the Fixed Rate Option; and (2) Contracts in force as extended term insurance, for up to six months (or a shorter period if required by applicable law). We will pay interest of at least 3% per year if such a payment is delayed for more than 30 days (or a shorter period if required by applicable law).

If we do not receive instructions on where to send the Death Benefit within five years (or less where required by state law) of the date of death, the funds will be escheated.

**OTHER BENEFITS AVAILABLE UNDER THE CONTRACT**

In addition to the standard Death Benefit(s) associated with your Contract, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about applicable fees associated with each benefit included in this table may be found in the **<u>[FEE TABLE](#i6be4340899a1406ca41416e30512b09a_7)</u>**.

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| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[Death Benefit Guarantee](#i6be4340899a1406ca41416e30512b09a_1409)</u> (lapse protection benefit) | Guarantees that Contract will not lapse as a result of unfavorable investment performance. | Standard | • The Contract will not lapse if the Scheduled Premiums are paid when due, you make no withdrawals and any Contract Debt does not exceed the Cash Surrender Value.<br>• If all premiums are not paid when due, the Contract will still not lapse as long as the Contract Fund is higher than the Tabular Contract Fund values found in your Contract. |
| <u>[Accidental Death Benefit Rider](#i6be4340899a1406ca41416e30512b09a_1228)</u> | Provides a benefit amount that is payable if the insured's death is accidental. | Optional | • The loss must be a direct result of accidental death or bodily injury that occurred on or after the Contract Date, no more than 90 days after the injury, and while the Contract is in force.<br>• Benefit will not be paid for any death or injury that is caused or contributed to by war or act of war. |
| <u>[Applicant's Waiver Of Premium Benefit Rider](#i6be4340899a1406ca41416e30512b09a_1233)</u> | Allows for premiums due on the Contract to be waived by the company in the event of the applicant's total disability or death during the Applicant's Waiver of Premium coverage period. | Optional | • Disability benefits under the Applicant's Waiver of Premium (AWP) benefit expire on the Contract Anniversary on or after the insured's 25th birthday.<br>• Modal premiums due on and after the Contract Anniversary on or after the insured's 25th birthday will not be waived by the Company.<br>• If the applicant recovers from disability prior to the contract anniversary on or after the insured's 25th birthday or the Contract becomes paid-up prior to the Contract Anniversary on or after the insured's 25th birthday, then the AWP disability status is removed and premiums will no longer be waived by the Company.<br>• Premiums and monthly charges for the AWP benefit expire (are no longer charged for) as of the Contract Anniversary on or after the insured's 24th birthday. |
| <u>[Child Level Term Rider](#i6be4340899a1406ca41416e30512b09a_1198)</u> | Provides term life insurance coverage on the life of the insured's covered children. | Optional | • Benefit payment is subject to all the provisions of the benefit and of the rest of this Contract.<br>• 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. |

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

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| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit, continued** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[Insured's Waiver Of Premium Benefit Rider](#i6be4340899a1406ca41416e30512b09a_1022)</u> | Provides for the waiver of Contract premiums while the insured is totally disabled. | Optional | • When we use the words disability and disabled in this benefit we mean total disability and totally disabled as defined in the rider.<br>• If the Insured becomes disabled on or after the first Contract Anniversary after his or her 65th birthday, we will not pay any Scheduled Premiums that fall due in that period of disability.<br>• We will not pay any Scheduled 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. |
| <u>[Living Needs Benefit](#i6be4340899a1406ca41416e30512b09a_854)</u><sup>SM</sup><u>[Rider](#i6be4340899a1406ca41416e30512b09a_854)</u> | Allows you to elect to receive an accelerated payment of all or part of the Death Benefit, adjusted to reflect current value, if the insured becomes terminally ill or is confined to a nursing home (not available in New York). | Optional | • Requires certification of a physician for benefits to be paid.<br>• No benefit will be payable if you are required to elect it in order to meet the claims of creditors or to obtain a government benefit.<br>• With the exception of certain business-related Contracts, this benefit is excluded from income if the insured is terminally ill or chronically ill. |
| <u>[Option To Purchase Additional Insurance On Life Of Insured Rider](#i6be4340899a1406ca41416e30512b09a_1208)</u> | This rider provides the right to buy more insurance on the Insured's life. | Optional | • Your right to buy the new contract will end on the 31st day after the normal option date. But this will not change your right to buy a new contract for any later normal or advance option date.<br>• Each time you buy a new contract for an advance option date, you will have used your right to buy a new contract for the next normal option date, if any, for which you could otherwise have bought one.  |
| <u>[Term Insurance Benefit On Life Of Insured Rider (Level)](#i6be4340899a1406ca41416e30512b09a_1223)</u> | Provides level term life insurance coverage on the life of the insured. | Optional | • Benefit payment is subject to all the provisions of the benefit and of the rest of this Contract.<br>• Conversion to another plan of insurance is subject to 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 before the end of its term period. 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. |
| <u>[Term Insurance Benefit On Life Of Insured Spouse Rider (Decreasing)](#i6be4340899a1406ca41416e30512b09a_1434)</u> | Provides decreasing term life insurance coverage on the life of the insured's spouse. | Optional | • Benefit payment is subject to all the provisions of the benefit and of the rest of this Contract.<br>• Conversion to another plan of insurance is subject to these 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. 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.  |

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**DEATH BENEFIT GUARANTEE** 

The Contract is a form of life insurance that provides much of the flexibility of variable universal life, however, with two important distinctions:

• We guarantee that if the Scheduled Premiums are paid when due, or received within 61 days after the Scheduled Premiums are due (or missed premiums are paid later with interest), the Contract will not lapse because of unfavorable investment performance, and the least amount we will pay upon the death of the insured is the Face Amount.

• If all premiums are not paid when due (or not made up later with interest), the Contract will still not lapse as long as the Contract Fund is higher than a stated amount set forth in the Contract. This amount is called the "Tabular Contract Fund", and it increases each month. In later years it becomes quite high. The Contract lapses when the Contract Fund falls below this stated amount, rather than when it drops to zero. This means that when your Contract lapses, it may still have considerable value and you may have a substantial incentive to reinstate it. If you choose otherwise, you may take, in one form or another, the Cash Surrender Value. See **<u>[LAPSE AND REINSTATEMENT](#i6be4340899a1406ca41416e30512b09a_46)</u>**.

**RIDERS**

Contract Owners may be able to obtain additional benefits, which may increase the Scheduled Premium. If they do cause an increase in the Scheduled Premium, the charge for the additional benefits will be paid by making monthly deductions from the Contract Fund. These optional insurance benefits will be described in what is known as a "rider" to the Contract. The amounts of these benefits are fully guaranteed at issue and do not depend on the performance of the account. Certain restrictions may apply; they are clearly described in the applicable rider form. All riders are only available at Contract issuance, except as noted.

Term insurance riders pay an additional death benefit if the insured dies within a stated number of years after issue. There are multiple variations of term insurance riders available on this product. These riders vary by decreasing term, level term, and renewable term; similar term insurance riders may be available for the insured's spouse. Two variations of term insurance riders are described in this prospectus.

We will not pay a benefit on any Accidental Death Benefit type rider or make payments for any disability type rider if the death or injury is caused or contributed to by war or act of war, declared or undeclared, including resistance to armed aggression. This restriction includes service in the armed forces of any country at war.

Some riders may depend on the performance of the Contract Fund. Rider benefits will no longer be available if the Contract lapses. Some riders may not be available through all brokers and some riders are not available in conjunction with other riders, and certain restrictions may apply as set forth below. Some riders or features described in this prospectus may be subject to state variations or may not be available in all states. A Pruco Life of New Jersey representative can explain these extra benefits further. Samples of the provisions are available from us upon written request.

**Accidental Death Benefit Rider** 

The Accidental Death Benefit Rider is an optional rider that provides an additional Death Benefit if the insured's death is accidental, as defined in the benefit provision. The rider provides a fixed dollar benefit in an amount set forth in your Contract's data pages. We will pay the amount of this benefit that we show on the Contract data pages for the Insured's accidental loss of life but our payment is subject to all the provisions of the benefit and of the rest of this contract. We will include in the proceeds of this contract any payment under this benefit.

Pruco Life of New Jersey will pay an amount under this benefit subject to the following conditions: (1) We must receive due proof that the Insured's death was the direct result, independent of all other causes, of accidental bodily injury that occurred on or after the Contract Date (2) The death must occur (a) no more than 90 days after the injury; and (b) while the Contract is in force.

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 premium account and 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.

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; and 3. the date the Contract ends for any other reason.

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.

**Applicant's Waiver Of Premium Benefit Rider**

The Applicant's Waiver of Premium ("AWP") is an optional supplementary benefit available only on juvenile contracts that, subject to the terms of the rider, allows for Scheduled Premiums due on the insured's Contract to be waived by Pruco Life of New Jersey in the event of the applicant's total disability or death during the AWP coverage period. If the applicant becomes disabled before the benefit termination date, we will waive all Contract premiums that fall due while he or she stays disabled. If the applicant becomes disabled before the first contract anniversary after his or her 65th birthday, we will pay only those scheduled premiums that fall due (1) while he or she, is disabled; and (2) before the benefit termination date.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

The benefit will end and we will no longer waive Contract premiums on the earliest of: (1) the end of the last day of grace if the Contract is in default, (2) the end of the day that is the last premium due date before the benefit termination date we show on the Contract Data page(s), (3) the date the Contract is surrendered under its Cash Surrender Value, and (4) the first Monthly Date on or after the date a request to discontinue the Rider is received in Good Order at a Service Office.

We will not waive premiums under the Applicant's Waiver Of Premium Rider for any sickness or injury that is caused or contributed to by war or act of war, declared or undeclared, including resistance to armed aggression. This restriction includes service in the armed forces of any country at war.

**Child Level Term Rider**

The Rider For Level Term Insurance Benefit On Dependent Children is an optional benefit that provides term life insurance coverage on the life of the insured's dependent children, as defined in the benefit provision. 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. 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.

**Insured's Waiver Of Premium Benefit Rider** 

The Insured's Waiver Of Premium Rider waives the Contract premiums that fall due while the insured is totally disabled, as defined in the benefit provision. If the Insured becomes disabled before the first Contract Anniversary following his or her 60th birthday, we will waive all Contract premiums that fall due while he or she stays disabled. If the Insured becomes disabled on or after the first Contract Anniversary following his or her 60th birthday, we will waive all Contract premiums that fall due before the first Contract Anniversary following his or her 65<sup>th</sup> birthday and while he or she stays disabled. We will not waive any Contract premiums if the Insured becomes disabled on or after the first Contract Anniversary after his or her 65th birthday.

The benefit will end and we will no longer waive Contract premiums on the earliest of: (1) the end of the last day of grace if the Contract is in default, (2) the end of the day before the first Contract Anniversary that follows the Insured's 65th birthday, unless the Insured had stayed disabled since before the first Contract Anniversary that follows the 60<sup>th</sup> birthday, (3) the date the Contract is surrendered under its Cash Surrender Value, and (4) the first Monthly Date on or after the date a request to discontinue the Rider is received in Good Order at a Service Office.

We will not waive premiums under the Insured's Waiver Of Premium Rider for any injury that is caused or contributed to by war or act of war, declared or undeclared, including resistance to armed aggression. This restriction includes service in the armed forces of any country at war.

**Living Needs Benefit**<sup>SM</sup> **Rider** 

The Living Needs Benefit <sup>SM</sup> Rider allows you to elect to receive an accelerated payment of all or part of the Contract's Death Benefit, adjusted to reflect current value, at a time when certain special needs exist. The adjusted Death Benefit will always be less than the Death Benefit, but will never be lower than the Contract's Cash Surrender Value. One or both of the following options may be available. You should consult with a Pruco Life of New Jersey representative about whether additional options may be available. This rider may be added after Contract issuance, subject to our underwriting requirements.

The Terminal Illness Option is available on the Living Needs Benefit <sup>SM</sup> Rider when a licensed physician certifies the insured as terminally ill with a life expectancy of six months or less. When that evidence is provided and confirmed by us, we will provide an accelerated payment of the portion of the Death Benefit selected by the Contract Owner as a Living Needs Benefit <sup>SM</sup> . The Contract Owner may (1) elect to receive the benefit in a single sum or (2) receive equal monthly payments for six months. If the insured dies before all the payments have been made, the present value of the remaining payments will be paid to the designated beneficiary in a single sum.

The Nursing Home Option is available on the Living Needs Benefit <sup>SM</sup> Rider after the insured has been confined to an eligible nursing home for six months or more (Nursing Home Option is not available in New York). When a licensed physician certifies that the insured is expected to remain in an eligible nursing home until death, and that is confirmed by us, we will provide an accelerated payment of the portion of the Death Benefit selected by the Contract Owner as a Living Needs Benefit <sup>SM</sup> . The Contract Owner may (1) elect to receive the benefit in a single sum or (2) receive equal monthly payments for a specified number of years (not more than 10 nor less than two), depending upon the age of the insured. If the insured dies before all of the payments have been made, the present value of the remaining payments will be paid to the designated beneficiary in a single sum.

All or part of the Contract's Death Benefit may be accelerated. If the benefit is only partially accelerated, a Death Benefit of at least $25,000 must remain under the Contract. The minimum amount that may be accelerated for a Living Needs Benefit <sup>SM</sup> claim is

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

$50,000. However, we currently have an administrative practice to allow a reduced minimum of $25,000. We reserve the right to discontinue this administrative practice in a non-discriminatory manner and we will notify you prior to discontinuing this practice.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum<sup>(1)</sup> under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum<sup>(1)</sup> under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum<sup>(1)</sup> under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum<sup>(1)</sup> under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum<sup>(1)</sup> under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum<sup>(1)</sup> under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. |
| Sex and issue age: male, 25<br>Contract Date: 12/20/1992<br>Face Amount: $200,000 | Sex and issue age: male, 25<br>Contract Date: 12/20/1992<br>Face Amount: $200,000 | Sex and issue age: male, 25<br>Contract Date: 12/20/1992<br>Face Amount: $200,000 | Underwriting classification: preferred best<br>Claim date: 12/20/2031<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 12/20/2031<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 12/20/2031<br>Death Benefit Option: Type A (fixed) |
| These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): |
|  |  | **LNB Terminal Illness Option**<sup>(2)</sup> | **LNB Terminal Illness Option**<sup>(2)</sup> | **LNB Nursing Home Option**<sup>(3)</sup> | **LNB Nursing Home Option**<sup>(3)</sup> |
| % of Death Benefit accelerated: | % of Death Benefit accelerated: | 100% | 50% | 100% | 50% |
| **Accelerated Death Benefit payment:** | **Accelerated Death Benefit payment:** | **$191259** | **$95554** | **$162781** | **$81315** |
|  | Contract values before acceleration: | Contract values after acceleration of Death Benefit: | Contract values after acceleration of Death Benefit: | Contract values after acceleration of Death Benefit: | Contract values after acceleration of Death Benefit: |
| Face Amount: | $200000 | $0 | $100000 | $0 | $100000 |
| Contract Debt: | $1040 | $0 | $520 | $0 | $520 |
| Death Benefit: | $198960 | $0 | $99480 | $0 | $99480 |
| Contract Fund: | $12201 | $0 | $6100 | $0 | $6100 |
| Surrender charge: | $0 | $0 | $0 | $0 | $0 |
| Cash value: | $11161 | $0 | $5580 | $0 | $5580 |
| Cash Surrender Value: | $11161 | $0 | $5580 | $0 | $5580 |
| Annual premium: | $1868 | $0 | $934 | $0 | $934 |

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(1)Receiving the accelerated Death Benefit via monthly payments may be an option available to you and we can provide more information upon request.

(2)An assumed six month life expectancy always applies.

(3)Assumes an average life expectancy for a male, age 65, confined to a nursing home.

No benefit will be payable if you are required to elect it in order to meet the claims of creditors or to obtain a government benefit. We can furnish details about the amount of Living Needs Benefit<sup>SM</sup> that is available to an eligible Contract Owner, and the effect on the Contract if less than the entire Death Benefit is accelerated.

You should consider whether adding this settlement option is appropriate in your given situation. Adding the Living Needs Benefit<sup>SM</sup> to the Contract has no adverse consequences; however, electing to use it could. With the exception of certain business-related Contracts, the Living Needs Benefit<sup>SM</sup> is excluded from income if the insured is terminally ill or chronically ill as defined in any applicable tax law (although the exclusion in the latter case may be limited). You should consult a tax adviser before electing to receive this benefit. Receipt of a Living Needs Benefit<sup>SM</sup> payment may also affect your eligibility for certain government benefits or entitlements.

**Option To Purchase Additional Insurance On Life Of Insured Rider** 

You have the right under this rider to purchase more insurance on the Insured's life without having to prove insurability. You may do this for certain normal option dates and advance option dates, as set forth in the benefit provision. The new contract you purchase will be in the same rating class as this Contract.

If the rider benefit amount is less than $25,000, the new contract may be a Life Paid Up at Age 85 contract issued by Pruco Life of New Jersey, with a minimum Face Amount of $10,000, but not greater than the benefit amount. If the rider benefit amount is $25,000 or more, the new contract can be a Life Paid Up at Age 85 contract, as described above, or a life insurance contract regularly being issued by Pruco Life of New Jersey at that time, with a minimum Face Amount of $25,000, but not greater than the benefit amount.

This benefit will end on the earliest of: (1) the end of the last day of grace if the Contract is in default, (2) the 31st day after the Contract Anniversary on which the Insured's Attained Age is 52, (3) the date the Contract is surrendered under its Cash Surrender Value, and (4) the first Monthly date on or after the date a request to discontinue the Rider is received in Good Order at a Service Office. This rider is optional.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**Term Insurance Benefit On Life Of Insured (Level)**

The Level Term Insurance Benefit on Life of Insured is an optional rider that provides a fixed dollar benefit amount on the life of the insured. Benefit amounts and the term period for the benefit are shown in your Contract's data pages. Subject to the terms of the rider, Pruco Life of New Jersey 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 Contract. You may be able to exchange this benefit for a new contract of life insurance on the life of the insured, without having to prove insurability.

The benefit will end on the earliest of: (1) the end of the last day of grace if the Contract is in default; (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 for its Cash Surrender Value, (4) the date the contract ends for any other reason; and (5) the first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office.

**Term Insurance Benefit On Life Of Insured Spouse Rider (Decreasing)**

The Decreasing Term Insurance Benefit On Life Of Insured Spouse Rider is an optional rider that provides a fixed dollar benefit amount on the life of the insured's spouse, which decreases each Contract Year. Benefit amounts and the term period for the benefit are shown on the Contract data pages. Any Death Benefit proceeds under this Contract will include this amount. You may be able to exchange this benefit for a new contract of life insurance on the life of the insured's spouse, without having to prove insurability.

The benefit will end on the earliest of: (1) the end of the last day of grace if the Contract is in default; (2) the date the Contract is surrendered for its Cash Surrender Value or the paid-up insurance under the benefit, if any, is surrendered; and (3) the first Monthly date on or after the date a request to discontinue the rider is received in Good Order at a Service Office.

**REQUIREMENTS FOR ISSUANCE OF A CONTRACT**

As of May 1, 1992, we no longer offered these Contracts for sale. Generally, higher minimums are applied to insureds over the age of 75 and lower premiums are applied to insureds 14 years of age or less ("juveniles"). Most contracts were issued on insureds below the age of 81. Generally, for Contracts with an application date before May 14, 1991, the minimum initial guaranteed Death Benefit is $50,000 and $33,333 for juveniles. For Contracts with an application date on and after May 1, 1991, the minimum initial guaranteed Death Benefit is $60,000 and $40,000 for juveniles.

Before issuing any Contract, we required evidence of insurability, which may have included a medical examination. Nonsmokers who met preferred underwriting requirements were offered the most favorable premium rate. A higher premium is charged if an extra mortality risk is involved. Certain classes of Contracts, for example a Contract issued in connection with a tax-qualified pension plan, may have been issued on a "guaranteed issue" basis and may have a lower minimum initial Death Benefit than a Contract that was individually underwritten. These are the current underwriting requirements. We reserve the right to change them on a non-discriminatory basis.

**Underwriting Procedures**

When you express interest in obtaining a Contract from us, you may apply for coverage through either (1) a long form application or (2) our worksheet process. When using the long form application, a registered representative completes a full application and submits it to us to commence the underwriting process. A registered representative is an agent/broker who is a representative of a broker-dealer authorized to sell Contracts. When using the worksheet process, a registered representative typically collects enough information to start the underwriting process. The remaining information is obtained directly from the proposed insured.

Regardless of the underwriting process followed, once we receive the necessary information, which may include physicians' statements, medical examinations from physicians or paramedical vendors, test results, and other information, we will make a decision regarding our willingness to accept the risk, and the price at which we will accept the risk. We will issue the Contract when the risk has been accepted and priced.

Some requests for coverage that registered representatives submit through the worksheet process may qualify for accelerated underwriting. We will use information you provide on your application, information from third party information providers and other information to determine if we will accept the risk without a medical exam, which would otherwise be required. Depending on your circumstances, accelerated underwriting could affect our willingness to accept the risk. Also, this may result in lower or higher Contract costs since the information we collect may be different than what we collect for applications that do not use accelerated underwriting.

**Contract Date** 

There is no insurance under this Contract until the minimum initial premium is paid. If a medical examination is required, the Contract Date will ordinarily be the date the examination is completed. Under certain circumstances, we may allow the Contract to be backdated up to six months for the purpose of lowering the insured's Issue Age, but only to a date not earlier than six months prior to the application date. This may be advantageous for some Contract Owners as a lower Issue Age may result in lower current charges.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**PREMIUMS**

Scheduled Premiums on the Contract are payable during the insured's lifetime on an annual, semi-annual, quarterly or monthly basis on due dates set forth in the Contract. If you pay premiums more often than annually, the aggregate annual premium will be higher to compensate us both for the additional processing costs (see **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>**) and for the loss of interest (computed generally at an annual rate of 8%) incurred because premiums are paid throughout rather than at the beginning of each Contract Year. The premium amount depends on the Contract's initial Death Benefit and the insured's age at issue, sex (except where unisex rates apply), and risk classification. If you pay premiums other than on a monthly basis, you will receive a notice that a premium is due about three weeks before each due date. If you pay premiums monthly, we will send to you each year a book with 12 coupons that will serve as a reminder. You may change the frequency of premium payments with our consent.

You may elect to have monthly premiums paid automatically under the "Pru-Matic Premium Plan" by pre-authorized transfers from a bank checking account. Currently, Contract Owners selecting the Pru-Matic Premium Plan on Contracts issued after June 1, 1987 will have reduced current monthly expense charges. See **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>**. You may also be eligible to have monthly premiums paid by pre-authorized deductions from an employer's payroll.

A significant feature of this Contract is that it permits you to pay greater than Scheduled Premiums. You may make unscheduled premium payments occasionally or on a periodic basis. If you wish, you may select a higher contemplated premium than the Scheduled Premium. We will then bill you for the chosen premium. In general, the regular payment of higher premiums will result in higher Cash Surrender Values and, at least under Form B, in higher Death Benefits. Conversely, a Scheduled Premium does not need to be made if the Contract Fund is large enough to enable the charges due under the Contract to be made without causing the Contract to lapse. See **<u>[LAPSE AND REINSTATEMENT](#i6be4340899a1406ca41416e30512b09a_46)</u>**. The payment of premiums in excess of Scheduled Premiums may cause the Contract to become a Modified Endowment Contract for federal income tax purposes. If this happens, loans and other distributions, which would otherwise not be taxable events, may be subject to federal income taxation. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>**.

We will generally accept any premium payment of at least $25. We reserve the right to limit unscheduled premiums to a total of $10,000 in any Contract Year, and to refuse to accept premiums that would immediately result in more than a dollar-for-dollar increase in the Death Benefit. The flexibility of premium payments provides Contract Owners with different opportunities under the two Forms of the Contract. Greater than scheduled payments under a Form A Contract increase the Contract Fund. Greater than scheduled payments under a Form B Contract increase both the Contract Fund and the Death Benefit. Generally, any future increases in the Contract Fund will be less than under a Form A Contract because the monthly mortality charges under the Form B Contract will be higher to compensate for the higher amount of insurance. For all Contracts, the privilege of making large or additional premium payments offers a way of investing amounts, which accumulate without current income taxation.

Each Contract sets forth two premium amounts. The initial premium amount is payable on the Contract Date (the date the Contract was issued, as noted in each individual Contract) and on each subsequent due date until the Contract's anniversary immediately following the insured's 65th birthday (or until the Contract's tenth anniversary, if that is later). The second and higher premium amount set forth in the Contract is payable on and after that anniversary (the "premium change date"). However, if the amount invested under the Contract, net of any excess premiums, is higher than it would have been had only Scheduled Premiums been paid, had maximum Contractual charges been deducted, and had only an average net rate of return of 4% been earned, then the second premium amount will be lower than the maximum amount stated in the Contract. We will tell you what the amount of your second premium will be. Under VAL-84 Contracts, if investment experience has been favorable enough, the Contract may become paid-up before or by the premium change date. We reserve the right not to accept any further premium payments on a paid-up Contract. See **<u>[When a Contract Becomes Paid-Up](#i6be4340899a1406ca41416e30512b09a_986)</u>**.

The Contracts include a premium change date, with Scheduled Premiums potentially increasing after that date to a second premium amount. Thus, you are provided with both the flexibility to pay lower initial Scheduled Premiums and a guarantee of lifetime insurance coverage, if all Scheduled Premiums are paid.

The following table shows, for two Face Amounts, representative initial preferred rating and Standard rating annual premium amounts under either Form A or Form B Contracts issued on insureds who are not substandard risks:

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **$60,000 Face Amount** | **$60,000 Face Amount** | **$100,000 Face Amount** | **$100,000 Face Amount** |
| | **Preferred** | **Standard** | **Preferred** | **Standard** |
| **Male, age 35**<br>**at issue** | $554.80 | $669.40 | $902.00 | $1093.00 |
| **Female, age 45 at issue** | $698.80 | $787.60 | $1142.00 | $1290.00 |
| **Male, age 55**<br>**at issue** | $1556.20 | $1832.20 | $2571.00 | $3031.00 |

---

The following table compares annual and monthly premiums for insureds who are in the preferred rating class. Note that in these examples the sum of 12 monthly premiums for a particular Contract is approximately 105% to 109% of the annual premium for that Contract.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

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| | | | | |
|:---|:---|:---|:---|:---|
| | **$60,000 Face Amount** | **$60,000 Face Amount** | **$100,000 Face Amount** | **$100,000 Face Amount** |
| | **Monthly** | **Annual** | **Monthly** | **Annual** |
| **Male, age 35**<br>**at issue** | $50.00 | $554.80 | $80.00 | $902.00 |
| **Female, age 45 at issue** | $62.60 | $698.80 | $101.00 | $1142.00 |
| **Male, age 55**<br>**at issue** | $136.40 | $1556.20 | $224.00 | $2571.00 |

---

You may select a higher contemplated premium than the Scheduled Premium. We will bill you for the chosen premium. In general, the regular payment of higher premiums will result in higher Cash Surrender Values and, at least under Form B, in higher Death Benefits. Under VAL-84 Contracts, such payments may also provide a means of obtaining a paid-up Contract earlier than if only Scheduled Premiums are paid.

Under VAL-84 Contracts, in some cases the payment of greater than Scheduled Premiums or favorable investment experience may result in the Contract becoming paid-up so that no further premium payments will be necessary. If this happens, we may refuse to accept any further premium payments. If a Contract becomes paid-up, the Death Benefit then in force becomes the guaranteed minimum Death Benefit; apart from this guarantee, the Death Benefit and the Cash Surrender Value of the paid-up Contract will thereafter vary daily to reflect the investment experience of amounts invested under the Contract. VAL-86 Contracts will never become paid-up. Instead, the Death Benefit will be increased so that it is always at least as great as the Contract Fund divided by the net single premium for the insured's Attained Age at such time. See **<u>[How a Contract's Death Benefit Will Vary](#i6be4340899a1406ca41416e30512b09a_1485)</u>**. The term "Contract Fund" refers generally to the total amount invested under the Contract and is defined under **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>**. The term "net single premium," the factor which determines how much the Death Benefit will increase for a given increase in the Contract Fund, is defined and illustrated under item 2 of **<u>[How a Contract's Death Benefit Will Vary](#i6be4340899a1406ca41416e30512b09a_1485)</u>**. Whenever the Death Benefit is determined in this way, we reserve the right to refuse to accept further premium payments, although in practice the payment of the lesser of two years' Scheduled Premiums or the average of all premiums paid over the last five years will generally be allowed.

The payment of premiums substantially in excess of Scheduled Premiums may cause the Contract to be classified as a Modified Endowment Contract. If this happens, loans and other distributions which otherwise would not be taxable events may be subject to federal income taxation. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>.**

**Allocation Of Premiums** 

When you apply for the Contract, you tell us how to allocate your premiums. You may change the way in which subsequent premiums are allocated by providing your request to us in Good Order at a Service Office. See **<u>[The Pruco Life Of New Jersey Variable Appreciable Account](#i6be4340899a1406ca41416e30512b09a_680)</u>** and the **<u>[Allocation](#i6be4340899a1406ca41416e30512b09a_1032)[O](#i6be4340899a1406ca41416e30512b09a_1032)[f Premiums](#i6be4340899a1406ca41416e30512b09a_1032)</u>** sections.

On the Contract Date, we deduct a $2 administrative charge, a deduction of up to 5% for sales charges, and 2.5% for taxes attributable to premiums from the initial premium. Then the first monthly charges are deducted. The remainder of the initial premium will be allocated among the Variable Investment Options and the Fixed Rate Option according to the allocations you specified in the application form. The invested portion of any part of the initial premium in excess of the Scheduled Premium is generally placed in the selected investment options as of the end of the Valuation Period in which it is received in Good Order at the Payment Office, but not earlier than the Contract Date.

After the Contract Date, we deduct a $2 administrative charge, a deduction of up to 5% for sales charges, and 2.5% for taxes attributable to premiums from each subsequent premium payment. The remainder of each subsequent premium payment will be invested as of the end of the Valuation Period in which it is received in Good Order at the Payment Office, in accordance with the applicable allocation instructions.

**When a Contract Becomes Paid-Up**

Under VAL-84 Contracts, it is possible that favorable investment experience, either alone or with greater than Scheduled Premium payments, will cause the Contract Fund to increase. The Contract Fund may increase to the point where no further premium payments are necessary to provide for the then existing Death Benefit for the remaining life of the insured. If this should occur, we will notify the Contract Owner that no further premium payments are needed. We reserve the right to refuse to accept further premiums after the Contract becomes paid-up. The purchase of an additional fixed benefit rider may, in some cases, affect the point at which the Contract becomes paid-up. See **<u>[RIDERS](#i6be4340899a1406ca41416e30512b09a_31)</u>**. VAL-86 Contracts will not become paid-up.

We guarantee that the Death Benefit of a paid-up Contract then in force will not be reduced by the investment experience of the investment options in which the Contract participates. The Cash Surrender Value of a paid-up Contract continues to vary daily to reflect investment experience and monthly to reflect continuing mortality charges, but the other monthly deductions will not be made. The Death Benefit of a paid-up Contract on any day (whether the Contract originally was Form A or Form B) will be equal to the amount of paid-up insurance that can be purchased with the Contract Fund on that day, but never less than the guaranteed minimum amount.

Contracts issued on insureds of 14 years of age or less include a special provision under which the Face Amount increases automatically to 150% of the initial Face Amount on the Contract Anniversary after the insured reaches the age of 21. If a Contract becomes paid-up prior to that anniversary, we will, instead of declaring the Contract to be paid-up, increase the Death Benefit by the amount necessary to keep the Contract in force as a premium paying Contract. If this should occur, the increase in the Death Benefit

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

on the Contract Anniversary after the insured reaches the age of 21 will be smaller in dollar amount, than the increase in the Face Amount.

**Transfers And Restrictions On Transfers**

If the Contract is not in default, you may, up to four times each Contract Year, transfer amounts from one Variable Investment Option to another Variable Investment Option, or to the Fixed Rate Option, without charge. Additional transfers may be made with our consent. Currently, we will allow you to make additional transfers. For the first 20 transfers in a calendar year, you may transfer amounts by providing your request to us in Good Order at a Service Office. Transfers may generally be made by mail, phone, fax, or website. Contracts that are jointly owned or assigned generally cannot conduct transfers by phone fax, or website. See **<u>[Assignment](#i6be4340899a1406ca41416e30512b09a_808)</u>**.

After you have submitted 20 transfers in a calendar year, we will accept subsequent transfer requests only if they bear an original signature in ink, are received in Good Order at a Service Office, and are sent to us by U.S. regular mail. After you have submitted 20 transfers in a calendar year, a subsequent transfer request by telephone, fax or website will be rejected, even in the event that it is inadvertently processed.

Multiple transfers received during the same day, but prior to the end of the Valuation Period for that day, will be counted as a single transfer.

We will use reasonable procedures, such as asking you to provide certain personal information provided on your application for insurance, to confirm that instructions given by telephone are genuine. We will not be held liable for following telephone instructions that we reasonably believe to be genuine. We cannot guarantee that you will be able to get through to complete a telephone transfer during peak periods such as periods of drastic economic or market change.

Currently, certain transfers effected systematically under the dollar cost averaging program do not count towards the limit of four transfers per Contract Year or the limit of 20 transfers per calendar year. In the future, we may count such transfers towards the limit.

Transfers among investment options will take effect as of the end of the Valuation Period in which a transfer request is received in Good Order at a Service Office. The request may be in terms of dollars, such as a request to transfer $5,000 from one investment option to another, or may be in terms of a percentage reallocation among investment options. In the latter case, as with premium reallocations, the percentages must be in whole numbers.

Only one transfer from the Fixed Rate Option will be permitted during each Contract Year and only within 31 days following each Contract Anniversary. The maximum amount that may be transferred out of the Fixed Rate Option each year is currently the greater of: (a) 25% of the amount in the Fixed Rate Option; and (b) $2,000. Such transfer requests received prior to the Contract Anniversary will take effect on the Contract Anniversary. Transfer requests received within the 31-day period beginning on the Contract Anniversary will take effect as of the end of the Valuation Period in which a transfer request is received in Good Order at a Service Office. We may change these limits in the future or waive these restrictions for limited periods of time in a non-discriminatory way, (e.g., when interest rates are declining).

The Contract was not designed for professional market timing organizations, other organizations, or individuals using programmed, large, or frequent transfers. Large or frequent transfers among Variable Investment Options in response to short-term fluctuations in markets, sometimes called "market timing", can make it very difficult for the Variable Investment Option advisers/sub-advisers to manage the Variable Investment Options. Large or frequent transfers may cause the Variable Investment Option to hold more cash than otherwise necessary, disrupt management strategies, increase transaction costs, or affect performance to the disadvantage of other Contract Owners. If we (in our own discretion) believe that a pattern of transfers or a specific transfer request, or group of transfer requests, may have a detrimental effect on the performance of the Variable Investment Options, or we are informed by the Variable Investment Option (e.g., by the Variable Investment Option's adviser/sub-adviser) that the purchase or redemption of shares in the Variable Investment Option must be restricted because the adviser believes the transfer activity to which such purchase or redemption relates would have a detrimental effect on performance of the affected Variable Investment Option, we may modify your right to make transfers by restricting the number, timing, and amount of transfers. We reserve the right to prohibit transfer requests made by an individual acting under a power of attorney on behalf of more than one Contract Owner. We will notify you as soon as reasonably possible at the time of a transfer request if we exercise this right.

Any restrictions on transfers will be applied in a uniform manner to all persons who own Contracts like this one, and will not be waived, except as described above with respect to transfers from the Fixed Rate Option. However, due to the discretion involved in any decision to exercise our right to restrict transfers, it is possible that some Contract Owners may be able to effect transactions that could affect the Variable Investment Option performance to the disadvantage of other Contract Owners.

In addition, Contract Owners who own variable life insurance or variable annuity contracts that do not impose the transfer restrictions described above, might make more numerous and frequent transfers than Contract Owners who are subject to such limitations. Contract Owners who are not subject to the same transfer restrictions may have the same Variable Investment Options available to them, and unfavorable consequences associated with such frequent trading within the Variable Investment Option (e.g., greater portfolio turnover, higher transaction costs, or performance or tax issues) may affect all Contract Owners.

The Variable Investment Options have adopted their own policies and procedures with respect to excessive trading of their respective shares, and we reserve the right to enforce these policies and procedures. The prospectuses for the Variable Investment Options describes any such policies and procedures, which may be more or less restrictive than the policies and procedures we have adopted. Under SEC rules, we are required to: (1) enter into a written agreement with each Portfolio or its principal underwriter that obligates us to provide to the Fund promptly upon request certain information about the trading activity of individual Contract Owners, and (2) execute instructions from the Fund to restrict or prohibit further purchases or transfers by specific Contract Owners who violate the excessive trading policies established by the Fund. In addition, you should be aware that some Variable Investment

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

Options may receive "omnibus" purchase and redemption orders from other insurance companies or intermediaries such as retirement plans. The omnibus orders reflect the aggregation and netting of multiple orders from individual owners of variable insurance contracts and/or individual retirement plan participants. The omnibus nature of these orders may limit the Variable Investment Option in their ability to apply their excessive trading policies and procedures. In addition, the other insurance companies and/or retirement plans may have different policies and procedures or may not have any such policies and procedures because of contractual limitations. For these reasons, we cannot guarantee that the Variable Investment Options (and thus Contract Owners) will not be harmed by transfer activity relating to other insurance companies and/or retirement plans that may invest in the Variable Investment Options.

The Variable Investment Options may assess a short term trading fee in connection with a transfer out of any available Variable Investment Option if the transfer occurs within a certain number of days following the date of allocation to the Variable Investment Option. Each Variable Investment Option determines the amount of the short term trading fee and when the fee is imposed. The fee is retained by or paid to the Variable Investment Option and is not retained by us. The fee will be deducted from your Contract Value to the extent allowed by law. At present, no Variable Investment Option has adopted a short-term trading fee.

Although our transfer restrictions are designed to prevent excessive transfers, they are not capable of preventing every potential occurrence of excessive transfer activity.

**Dollar Cost Averaging** 

We offer a feature called Dollar Cost Averaging ("DCA"). Upon your request, premiums will be allocated to the portion of the Money Market Subaccount used for this feature (the "DCA account"). Designated dollar amounts will be transferred monthly from the DCA account to other investment options available under the Contract, excluding the Money Market Subaccount and the Fixed Rate Option. Automatic monthly transfers must be at least 3% of the amount allocated to the DCA account (that is, if you designate $5,000, the minimum monthly transfer is $150), with a minimum of $20 transferred into any one investment option. These amounts are subject to change at our discretion. The minimum transfer amount will only be recalculated if the amount designated for transfer is increased.

When you establish DCA at issue, you must allocate to the DCA account the greater of $2,000 or 10% of the initial premium payment. When you establish DCA after issue, you must allocate to the DCA account at least $2,000. These minimums are subject to change at our discretion. After DCA has been established and as long as the DCA account has a positive balance, you may allocate or transfer amounts to the DCA account, generally subject to the limitations on premium payments and transfers. In addition, if you pay premiums on an annual or semi-annual basis, and you have already established DCA, your premium allocation instructions may include an allocation of all or a portion of all your premium payments to the DCA account.

Each automatic monthly transfer will take effect as of the end of the Valuation Period on the Monthly Date, provided the NYSE is open on that date. If the NYSE is not open on the Monthly Date, the transfer will take effect as of the end of the Valuation Period on the next day that the NYSE is open. If the Monthly Date does not occur in a particular month (e.g., February 30), the transfer will take effect as of the end of the Valuation Period on the last day of the month that the NYSE is open. Automatic monthly transfers will continue until the balance in the DCA account reaches zero, or until the Contract Owner gives notification of a change in allocation or cancellation of the feature. If you have an outstanding premium allocation to the DCA account, but your DCA option has previously been canceled, premiums allocated to the DCA account will be allocated to the Money Market Subaccount. Currently there is no charge for using the DCA feature.

**Processing And Valuing Transactions**

Pruco Life of New Jersey is generally open to process financial transactions on those days that the New York Stock Exchange ("NYSE") is open for trading. There may be circumstances where the NYSE does not open on a regularly scheduled date or time or closes at an earlier time than scheduled (normally 4:00 p.m. Eastern Time). Generally, financial transactions received in Good Order before the close of regular trading on the NYSE will be processed according to the value next determined following the close of business. Financial transactions received on a non-business day or after the close of regular trading on the NYSE will be processed based on the value next computed on the next Valuation Day.

We will not process any financial transactions involving purchase or redemption orders on days the NYSE is closed. Pruco Life of New Jersey will also not process financial transactions involving purchase or redemption orders or transfers on any day that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• trading on the NYSE is restricted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• an emergency, as determined by the SEC, exists making redemption or valuation of securities held in the Separate Account impractical; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the SEC, by order, permits the suspension or postponement for the protection of security holders.

In certain circumstances, we may need to correct the processing of an order. In such circumstances, we may incur a loss or receive a gain depending upon the price of the security when the order was executed and the price of the security when the order is corrected. With respect to any gain that may result from such order correction, we will retain any such gain as additional compensation for these correction services.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**CONTRACT VALUES**

**How a Contract's Cash Surrender Value Will Vary** 

The Cash Surrender Value (taking into account the CDSL and transaction charges, if any) will be determined as of the end of the Valuation Period in which a surrender request is received in Good Order at the Service Center. The Contract's Cash Surrender Value on any date will be the Contract Fund less any CDSL and transaction charges, if any, and less any Contract Debt. The Contract Fund changes daily, reflecting:

(1) increases or decreases in the value of the Variable Investment Options;

(2) interest credited on any amounts allocated to the Fixed Rate Option; and

(3) the daily asset charge for mortality and expense risks assessed against the Variable Investment Options.

The Contract Fund also changes to reflect the receipt of premium payments after any charges are deducted. See **<u>[CHARGES AND EXPENSES](#i6be4340899a1406ca41416e30512b09a_22)</u>**. Upon request, we will tell you the Cash Surrender Value of your Contract. It is possible that the Cash Surrender Value could decline to zero because of unfavorable investment performance or outstanding Contract Debt, even if you continue to pay Scheduled Premiums when due.

**Loans** 

You may borrow an amount up to the "loan value" of your Contract, using the Contract as the only security for the loan. The loan value is equal to (1) 90% of an amount equal to the portion of the cash value attributable to the Variable Investment Options; plus (2) 100% of an amount equal to the portion of the cash value attributable to the Fixed Rate Option taking into account any prior loans. The minimum loan amount you may borrow at any one time is generally $500, unless the proceeds are used to pay premiums on your Contract.

At Contract issue, you may choose one of two interest rate options. You may elect to have interest charges accrued daily at a fixed effective annual rate of 5.5%. Alternatively, you may elect a variable interest rate that changes from time to time. You may switch from the fixed to variable interest loan provision, or vice versa, with our consent.

If you elect the variable loan interest rate provision, interest charged on any loan will accrue daily at an annual rate we determine at the start of each Contract Year (instead of at the fixed 5.5% rate). This interest rate will not exceed the greatest of: (1) the "Published Monthly Average" for the calendar month ending two months before the calendar month of the Contract Anniversary; (2) 5%; and (3) the rate permitted by law in the state of issue of the Contract. The "Published Monthly Average" means Moody's Corporate Bond Yield Average-Monthly Average Corporate, as published by Moody's Investors Service, Inc. or any successor to that service, or if that average is no longer published, a substantially similar average established by the insurance regulator where the Contract is issued. For example, the Published Monthly Average in 2025 ranged from 5.45% to 5.96%.

Interest payments on any loan are due at the end of each Contract Year. If interest is not paid when due, it is added to the principal amount of the loan. The Contract Debt is the principal amount of all outstanding loans plus any interest accrued to date. If at any time your Contract Debt exceeds the Contract Fund, we will notify you of its intent to terminate the Contract in 61 days, within which time you may pay enough to keep the Contract in force. If you send us a payment during the grace period and we receive it after a Monthly Date has occurred, we will credit interest to the Contract Fund from the date your Contract went into default to the date we received your payment, and then return to crediting interest on subsequent Monthly Dates.

When a loan is made, an amount equal to the loan proceeds is transferred out of the applicable investment options. The reduction is generally made in the same proportions as the value that each investment option bears to the total value of the Contract.

• While a fixed rate loan is outstanding, the amount that was transferred will continue to be treated as part of the Contract Fund, but it will be credited with the assumed rate of return of 4% rather than with the actual rate of return of the applicable investment options.

• While a variable rate loan is outstanding, the amount that was transferred will continue to be treated as part of the Contract Fund, but it will be credited with a rate which is less than the variable loan interest rate for the Contract Year by no more than 1%, rather than with the actual rate of return of the applicable investment options. Currently, we credit such amounts at a rate that is 1% less than the loan interest rate for the Contract Year. If a loan remains outstanding at a time when we fixed a new rate, the new interest rate applies as of the next Contract Anniversary.

A loan will not affect the amount of the premiums due. If the Death Benefit becomes payable while a loan is outstanding, or should the Contract be surrendered, any Contract Debt will be deducted from the Death Benefit or the Cash Surrender Value otherwise payable.

A loan will have a permanent effect on a Contract's Cash Surrender Value and may have a permanent effect on the Death Benefit, even if the loan is fully repaid, because the investment results of the selected investment options will apply only to the amount remaining in those investment options. The longer the loan is outstanding, the greater the effect is likely to be. The effect could be favorable or unfavorable. If investment results are greater than the rate being credited upon the amount of the loan balance while the loan is outstanding, the Contract values will not increase as rapidly as they would have if no loan had been made. If investment results are below that rate, Contract values will be higher than they would have been had no loan been made.

Loan repayments are applied to reduce the total outstanding Contract Debt, which is equal to the principal plus accrued interest. Interest accrues daily on the total outstanding Contract Debt, and making a loan repayment will reduce the amount of interest accruing. If your repayment is received within 21 days of the Contract Anniversary, it will be applied first to the accrued interest, then to capitalized interest, with any remainder applied to the original loan principal. Most repayments received prior to this time period will be applied first to capitalized interest, then to accrued interest, then to the original loan principal.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

The amount of a loan repayment that is applied to the principal loan amount is first allocated based on the same proportion in which it was taken from the Fixed Rate Option and Variable Investment Options. The variable portion is then applied proportionately to the applicable Variable Investment Options, based on the balances in those options, at the time of the loan repayment.

If you fail to keep the Contract in force, the amount of unpaid Contract Debt will be treated as a distribution and will be immediately taxable to the extent of gain in the Contract. Reinstatement of the Contract after lapse will not eliminate the taxable income, which we are required to report to the Internal Revenue Service ("IRS"). See **<u>[LAPSE AND REINSTATEMENT](#i6be4340899a1406ca41416e30512b09a_46)</u>** and **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u> - *Pre-Death Distributions.***

Loans you take against the Contract are ordinarily treated as debt and are not considered distributions subject to tax.

Loans from Modified Endowment Contracts may be treated for tax purposes as distributions of income. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>**.

**Withdrawals** 

You may withdraw a portion of the Contract's Cash Surrender Value without surrendering the Contract, subject to the following restrictions:

(a)We must receive a request for the withdrawal in Good Order at our Service Office.

(b)The Contract Fund after the withdrawal must not be less than the Tabular Contract Fund for the new Face Amount. (A Table of Tabular Contract Fund is included in the Contract; the values increase with each year the Contract remains in force.)

(c)The amount withdrawn may not be larger than an amount sufficient to reduce the Cash Surrender Value to zero.

(d)The withdrawal amount must be at least $2,000 under a Form A Contract and at least $500 under a Form B Contract.

(e)The Face Amount after withdrawals must be at least equal to the minimum Face Amount shown in the Contract.

(f)You may make no more than four withdrawals in each Contract Year.

There is an administrative processing for each withdrawal in an amount up to $15. An amount withdrawn may not be repaid except as a scheduled or unscheduled premium subject to the applicable charges. Upon request, we will tell you how much you may withdraw.

Under a Form A Contract, the Face Amount is reduced by no more than the withdrawal amount. We will not permit a withdrawal if it will result in a new Face Amount of less than the minimum Face Amount shown under List of Contract Minimums in the data pages of your Contract. A withdrawal under a Form A Contract may also result in a reduction in the Contract Fund by the withdrawal amount and by a proportionate amount of any applicable withdrawal charges, based upon the percentage reduction in the Face Amount. Form A Contract Owners who make a withdrawal will be sent replacement Contract pages showing the new Face Amount, Scheduled Premiums, maximum surrender charges, Tabular values, and monthly deductions.

It is important to note that if the Face Amount is decreased, there is a possibility that the Contract might be classified as a Modified Endowment Contract. Before making any withdrawal that causes a decrease in the Face Amount, you should consult with your tax adviser and your financial professional. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>**.

Under a Form B Contract, the Cash Surrender Value and the Contract Fund value are reduced by the amount of the withdrawal, and the Death Benefit is reduced accordingly. Neither the Face Amount nor the amount of Scheduled Premiums will change due to a withdrawal of excess Cash Surrender Value under a Form B Contract. No surrender charges will be assessed for a withdrawal under a Form B Contract. Withdrawal of any portion of the Cash Surrender Value increases the risk that the Contract Fund may be insufficient to provide Contract benefits. If such a withdrawal is followed by unfavorable investment experience, the Contract may go into default, even if Scheduled Premiums continue to be paid when due. Withdrawal of part of the Cash Surrender Value may have tax consequences. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>**.

Generally, we will pay any withdrawal amount within seven days after all the documents required for such a payment are received in Good Order at a Service Office. See **<u>[When Proceeds Are Paid](#i6be4340899a1406ca41416e30512b09a_877)</u>**.

A Contract returned during the "free-look" period shall be deemed void from the beginning, and not considered a surrender or withdrawal.

**Surrender Of a Contract**

You may surrender your Contract, in whole or in part, for its Cash Surrender Value while the insured is living. A partial surrender involves splitting the Contract into two Contracts. One Contract is surrendered for its Cash Surrender Value; the other is continued in force on the same terms as the original Contract except that premiums and Cash Surrender Values will be based on the new Face Amount. You will be given a new contract document. The Cash Surrender Value and the guaranteed minimum Death Benefit of the new contract will be proportionately reduced. The reduction is based upon the Face Amount. The Face Amount must be at least equal to the minimum Face Amount applicable to the insured's Contract. See **<u>[REQUIREMENTS FOR ISSUANCE OF A CONTRACT](#i6be4340899a1406ca41416e30512b09a_34)</u>**. For reduced paid-up Contracts, both the Death Benefit and the guaranteed minimum Death Benefit will be reduced.

To surrender your Contract, we may require you to deliver or mail the following items, in Good Order, to a Service Office: the Contract, a signed request for surrender, and any tax withholding information required under federal or state law. Generally, we will pay your Contract's Cash Surrender Value within seven days after all the documents required for such a payment are received in Good Order at a Service Office. Surrender of all or part of a Contract may have tax consequences. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>** and **<u>[Surrender Charge](#i6be4340899a1406ca41416e30512b09a_737)</u>**.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

Additional requirements exist if you are exchanging your Contract for a new one at another insurance company. Specifically, we require a properly signed assignment to change ownership of your Contract to the new insurer and a request for surrender, signed by an authorized officer of the new insurer. The new insurer should submit these documents directly to us by sending them in Good Order to our Service Office. Generally, we will pay your Contract's Cash Surrender Value to the new insurer within seven days after all the documents required for such a payment are received in Good Order at our Service Office.

**When Proceeds Are Paid**

Generally, we will pay any Death Benefit, Cash Surrender Value, loan proceeds or partial withdrawal within seven days after all the documents required for such a payment are received in Good Order at the office designated to receive that request. Other than the Death Benefit, which is determined as of the date of death, the amount will be determined as of the end of the Valuation Period in which the necessary documents are received in Good Order at the office designated to receive that request. However, we may delay payment of proceeds from the Variable Investment Options and the variable portion of the Death Benefit due under the Contract if the disposal or valuation of the Account's assets is not reasonably practicable because the NYSE is closed for other than a regular holiday or weekend, trading is restricted by the SEC, or the SEC declares that an emergency exists.

We have the right to delay payment of the Cash Surrender Value attributable to: (1) the Fixed Rate Option; and (2) Contracts in force as extended term insurance, for up to six months (or a shorter period if required by applicable law). We will pay interest of at least 3% per year if such a payment is delayed for more than 30 days (or a shorter period if required by applicable law).

If we do not receive instructions on where to send the Death Benefit within five years (or less where required by state law) of the date of death, the funds will be escheated.

**LAPSE AND REINSTATEMENT**

If Scheduled Premiums are paid on or before each due date or received within 61 days after the Scheduled Premiums are due (or missed premiums are paid later with interest) and there are no withdrawals, a Contract will remain in force even if the investment results of that Contract's Variable Investment Options have been so unfavorable that the Contract Fund has decreased to zero or less.

In addition, even if a Scheduled Premium is not paid, the Contract will remain in force as long as the Contract Fund on any Monthly Date is equal to or greater than the Tabular Contract Fund on the next Monthly Date. (A Table of Tabular Contract Fund is included in the Contract; the values increase with each year the Contract remains in force.) This could occur because of such factors as favorable investment experience, deduction of less than the maximum permissible charges, or the previous payment of greater than Scheduled Premiums.

However, if a Scheduled Premium is not paid and the Contract Fund is insufficient to keep the Contract in force, the Contract will go into default. Should this happen, we will send the Contract Owner a notice of default setting forth the payment necessary to keep the Contract in force on a premium paying basis. This payment must be received in Good Order at the Payment Office within the 61 day grace period after the notice of default is mailed or the Contract will lapse. A Contract that lapses with an outstanding Contract loan may have tax consequences. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>** . We reserve the right to change the requirements to reinstate a lapsed contract.

A Contract that has lapsed may be reinstated within three years from the date of default unless the Contract has been surrendered for its Cash Surrender Value. To reinstate a lapsed contract, we require a written request for reinstatement in Good Order at our Service Office, renewed evidence of insurability, submission of certain payments due under the Contract, and that the Insured is living on the date the Contract is reinstated.

If a Contract does lapse, it may still provide some benefits. Those benefits are described under **Options on Lapse**, below.

**Options On Lapse** 

If your Contract does lapse, it will still provide some benefits. You can receive the Cash Surrender Value by making a request of us prior to the end of the 61 day grace period. You may also choose one of the two options described below for which no further premiums are payable.

***1.Fixed Extended Term Insurance.*** With two exceptions explained below, if you do not communicate at all with us, life insurance coverage will continue for a length of time that depends on the Cash Surrender Value on the date of default (which reflects the deduction of the CDSL, administrative charges, and Contract Debt, if any), the amount of insurance, and the age and sex (except where unisex rates apply) of the insured. The insurance amount will be what it would have been on the date of default taking into account any Contract Debt on that date. The amount will not change while the insurance stays in force. This benefit is known as extended term insurance. If you request, we will tell you in writing how long the insurance will be in effect. Extended term insurance has a Cash Surrender Value, but no loan value.

Contracts issued on the lives of certain insureds in high risk rating classes and Contracts issued in connection with tax qualified pension plans will include a statement that extended term insurance will not be provided. In those cases, variable reduced paid-up insurance will be the automatic benefit provided on lapse.

***2.Variable Reduced Paid-Up Insurance.*** Variable reduced paid-up insurance provides insurance coverage for the lifetime of the insured. The initial insurance amount will depend upon the Cash Surrender Value on the date of default (which reflects the deduction of the CDSL, administrative charges, and Contract Debt, if any), and the age and sex of the insured. This will be a new guaranteed minimum Death Benefit. Aside from this guarantee, the Cash Surrender Value and the amount of insurance will vary with investment performance in the same manner as a paid-up Contract. See **<u>[When a Contract Becomes Paid-Up](#i6be4340899a1406ca41416e30512b09a_986)</u>**. Variable reduced paid-up insurance has a loan privilege identical to that available on premium paying Contracts. See **<u>[Loans](#i6be4340899a1406ca41416e30512b09a_892)</u>**.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

Acquisition of reduced paid-up insurance may result in your Contract becoming a Modified Endowment Contract. See **<u>[Tax Treatment Of Contract Benefits](#i6be4340899a1406ca41416e30512b09a_908)</u>.**

As explained above, variable reduced paid-up insurance is the automatic benefit on lapse for Contracts issued on certain insureds. Owners of other Contracts who want variable reduced paid-up insurance must ask for it in writing, in a form that meets our needs, within three months of the date of default; it will be available to such Contract Owners only if the initial amount of variable reduced paid-up insurance would be at least $5,000. This minimum is not applicable to Contracts for which variable reduced paid-up insurance is the automatic benefit upon lapse.

**TAXES**

**Tax Treatment Of Contract Benefits**

This summary provides general information on the federal income tax treatment of the Contract. It is not a complete statement of what the federal income tax impact will be in all circumstances. It is based on current tax law and interpretations, which may change. It does not cover state taxes or other taxes. It is not intended as tax advice. You should consult your own tax adviser for complete information and advice.

**Treatment As Life Insurance** 

The Contract must meet certain requirements to qualify as life insurance for tax purposes. These requirements include certain definitional tests and rules for diversification of the Contract's investments. For further information on the diversification requirements, see the Taxation section in the statements of additional information for the Funds.

We believe we have taken adequate steps to ensure that the Contract qualifies as life insurance for tax purposes. Generally speaking, this means that:

• you will not be taxed on the growth of the Contract Fund unless you receive a distribution from the Contract or if the Contract lapses or is surrendered, and

• the Contract's Death Benefit will generally be income tax free to your beneficiary. However, your Death Benefit may be subject to estate taxes.

Although we believe that the Contract should qualify as life insurance for tax purposes, there are some uncertainties, particularly because the Secretary of Treasury has not yet issued permanent regulations that bear on this question. Accordingly, we reserve the right to make changes — which will be applied uniformly to all Contract Owners after advance written notice — that we deem necessary to ensure that the Contract will qualify as life insurance or to comply with applicable federal tax law.

The Contract may not qualify as life insurance under federal tax law after the Insured has attained age 100 and may be subject to adverse tax consequences. A tax advisor should be consulted before you choose to continue the Contract after the insured reaches age 100.

**Pre-Death Distributions** 

The tax treatment of any distribution you receive before the insured's death depends on whether or not the Contract is classified as a Modified Endowment Contract.

***Contracts Not Classified As Modified Endowment Contracts***

• If you surrender the Contract or allow it to lapse, you will be taxed on the amount you receive in excess of the premiums you paid less the untaxed portion of any prior withdrawals. For this purpose, you will be treated as receiving any portion of the Cash Surrender Value used to repay Contract Debt. In other words, you will immediately have taxable income to the extent of gain in the Contract. Reinstatement of the Contract after lapse will not eliminate the taxable income which we are required to report to the IRS. The tax consequences of a surrender may differ if you take the proceeds under an income payment settlement option.

• Generally, you will be taxed on a withdrawal to the extent the amount you receive exceeds the premiums you paid for the Contract less the untaxed portion of any prior withdrawals. However, under some limited circumstances, in the first 15 Contract Years, all or a portion of a withdrawal may be taxed if the Contract Fund exceeds the total premiums paid less the untaxed portions of any prior withdrawals, even if total withdrawals do not exceed total premiums paid.

• Extra premiums for optional benefits and riders generally do not count in computing the premiums paid for the Contract for the purposes of determining whether a withdrawal is taxable.

• Loans you take against the Contract are ordinarily treated as debt and are not considered distributions subject to tax unless the Contract is surrendered or lapsed.

***Modified Endowment Contracts***

• The rules change if the Contract is classified as a Modified Endowment Contract. The Contract could be classified as a Modified Endowment Contract if premiums substantially in excess of Scheduled Premiums are paid or a decrease in the Face Amount is made (or a rider is removed). The addition of a rider or an increase in the Face Amount may also cause the Contract to be classified as a Modified Endowment Contract if a significant premium is paid in conjunction with an increase or the addition of a rider. We will notify you if a premium or a change in the Face Amount would cause the Contract to become a Modified Endowment Contract and advise you of your options. You should first consult a tax adviser and your Pruco Life of New Jersey representative if you are contemplating any of these steps.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

• If the Contract is classified as a Modified Endowment Contract, then amounts you receive under the Contract before the insured's death, including loans and withdrawals, are included in income to the extent that the Contract Fund before surrender charges (or, in the case of a full surrender, the cash surrender value after the surrender charge) exceeds the premiums paid for the Contract increased by the amount of any loans previously included in income and reduced by any untaxed amounts previously received other than the amount of any loans excluded from income. An assignment of a Modified Endowment Contract is taxable in the same way. These rules also apply to pre-death distributions, including loans and assignments, made during the two-year period before the time that the Contract became a Modified Endowment Contract.

• Any taxable income on pre-death distributions (including full surrenders) is subject to a 10% additional tax unless the amount is received on or after you attain age 59½, on account of you becoming disabled, or as a life annuity. It is presently unclear how the 10% additional tax provision applies to Contracts owned by businesses.

• All Modified Endowment Contracts issued by us to you during the same calendar year are treated as a single Contract for purposes of applying these rules.

• Changes in the Contract, including changes in death benefits, may require additional testing to determine whether the Contract should be classified as a Modified Endowment Contract.

**Investor Control** 

The tax law limits the amount of control you may have over choosing investments for the Contract. If this "investor control" rule is violated the Contract assets will be considered owned directly by you and lose the favorable tax treatment generally afforded life insurance. Treasury Department regulations do not provide specific guidance concerning the extent to which you may direct your investment in the particular Variable Investment Options without causing you, instead of us, to be considered the owner of the underlying assets. Because of this uncertainty, we reserve the right to make such changes as we deem necessary to assure that the Contract qualifies as life insurance for tax purposes. Any such changes will apply uniformly to affected Contract Owners and will be made with such notice to affected Contract Owners as is feasible under the circumstances.

**Income Tax Withholding** 

You must affirmatively elect that no income taxes be withheld from a pre-death distribution. Otherwise, the taxable portion of any amounts you receive will be subject to income tax withholding. You are not permitted to elect out of income tax withholding if you do not provide a valid social security number or other taxpayer identification number, or payment is made outside the United States. You may be subject to penalties under the estimated tax payment rules if your income tax withholding and estimated tax payments are insufficient to cover the income tax due.

Special tax rules apply to withholding for nonresident aliens, and we generally withhold income tax for nonresident aliens at a 30% rate. A different withholding rate may be applicable to a nonresident alien based on the terms of an existing income tax treaty between the United States and the nonresident alien's country.

**Other Tax Considerations** 

If you transfer or assign the Contract to someone else, there may be gift, estate and/or income tax consequences. If you transfer the Contract to a person two or more generations younger than you or to an unrelated individual more than 37.5 years younger than you (or designate such a younger person as a beneficiary), there may be Generation-Skipping Transfer tax consequences. In addition, if you transfer your Contract to a foreign person, we are required to provide an information return regarding the transfer to you and the IRS.

Your individual situation or that of your beneficiary will determine the federal estate taxes and the state and local estate, inheritance and other taxes due if you or the insured dies.

Deductions for interest paid or accrued on Contract Debt or on other loans that are incurred or continued to purchase or carry the Contract may not be permitted under the tax law.

**Business-Owned Life Insurance** 

If a business, rather than an individual, is the owner of the Contract, there are some additional rules. Business Contract Owners generally cannot deduct premium payments. Business Contract Owners generally cannot take tax deductions for interest on Contract Debt paid or accrued after October 13, 1995. An exception permits the deduction of interest on Contract loans for up to 20 key persons. The interest deduction for Contract Debt on these loans is limited to a prescribed interest rate and a maximum aggregate loan amount of $50,000 per key insured person.

For business-owned life insurance coverage issued after August 17, 2006, Death Benefits will generally be taxable as ordinary income to the extent it exceeds cost basis. Life insurance Death Benefits will continue to be generally income tax free if, prior to contract issuance, the employer provided a prescribed notice to the proposed insured/employee, obtained the employee's consent to the life insurance, and one of the following requirements is met: (a) the insured was an employee at any time during the 12-month period prior to his or her death; (b) the insured was a director or highly compensated employee or individual (as defined in the Internal Revenue Code) at the time the contract was issued; or (c) the Death Benefits are paid to the insured's heirs or his or her designated beneficiaries (other than the employer), either directly as a Death Benefit or received from the purchase of an equity (or capital or profits) interest in the applicable contract owner. Annual reporting and record keeping requirements will apply to employers maintaining such business-owned life insurance.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**Sales Of Issued Life Insurance Contracts To Third Parties** 

If you sell your Contract to a third party with whom the insured does not have a substantial family, financial or business relationship (as defined in the Internal Revenue Code and accompanying Treasury Regulations), then the sale may be considered to be a reportable policy sale.

The purchaser of your Contract in a reportable policy sale is required to submit a Form 1099-LS to us, the IRS and the seller. Once received, we are required to report your Cash Surrender Value and cost basis information with respect to the Contract as of the date of the sale to the IRS and the seller. In addition, if a sale is a reportable policy sale, then all or part of the death benefit will be subject to income tax and tax reported by us when paid to the beneficiary.

**Tax-Qualified Pension Plans** 

You may have acquired the Contract to fund a pension plan that qualifies for tax favored treatment under the Internal Revenue Code. Such Contracts must satisfy the minimum Face Amount requirements outlined in the Contract and can never be less than $10,000. Increases and decreases of the Face Amount may be allowed under the terms of the Contract and are subject to certain conditions. The monthly charge for anticipated mortality costs and illustrated premium is the same for male and female insureds of a particular age and underwriting classification, as required for insurance and annuity Contracts sold to tax-qualified pension plans. We provided you with illustrations showing premiums and charges if you wished to fund a tax-qualified pension plan. We reserve the right to restrict the availability of certain riders for Contracts issued in connection with a tax-qualified pension plan. You should consult a qualified tax advisor before purchasing a Contract in connection with a tax-qualified pension plan to confirm, among other things, the suitability of the Contract for your particular plan.

**Company Taxes**

Under current law, we may incur state and local taxes (in addition to premium taxes) in several states. Currently, these taxes are not significant and they are not charged against the Account. If there is a material change in the applicable state or local tax laws, we may impose a corresponding charge against the Account.

In calculating our corporate income tax liability, we may derive certain corporate income tax benefits associated with the investment of company assets, including Separate Account assets, which are treated as company assets under applicable income tax law. These benefits reduce our overall corporate income tax liability. Under current law, such benefits include foreign tax credits and corporate dividend received deductions. We do not pass these tax benefits through to Contract Owners with investments in Separate Account assets because (i) the Contract Owners are not the owners of the assets generating these benefits under applicable income tax law and (ii) we do not currently include company income taxes in the tax charges you pay under the Contract.

**DISTRIBUTION AND COMPENSATION**

Pruco Securities, an indirect wholly owned subsidiary of Prudential Financial, Inc., acts as the principal underwriter of the Contract. Pruco Securities, organized as an LLC on September 22, 2003, under New Jersey law, is registered as a broker and dealer under the Securities Exchange Act of 1934 and is a registered member of the Financial Industry Regulatory Authority, Inc. ("FINRA"). (Pruco Securities is a successor company to Pruco Securities Corporation, established on February 22, 1971.) Pruco Securities' principal business address is 751 Broad Street, Newark, New Jersey 07102. Pruco Securities serves as principal underwriter of the individual variable insurance Contracts issued by us. The Contracts are sold by registered representatives who are also our appointed insurance agents under state insurance law. The Contracts are sold through other broker-dealers authorized by Pruco Securities and applicable law to do so. Registered representatives of different broker-dealers may be paid on a different basis. Pruco Securities received gross distribution revenue for its variable life insurance products of $425,244,693 in 2025, $575,994,944 in 2024, and $480,489,201 in 2023. Pruco Securities passes through the gross distribution revenue it receives to broker-dealers for their sales and does not retain any portion of it in return for its services as distributor for the Contracts. However, under a strategic relationship with an unaffiliated broker-dealer, Pruco Securities receives a portion of compensation with respect to sales of its variable life insurance products. Pruco Securities retained compensation of $0 in 2025, $4,278,834 in 2024, and $4,084,003 in 2023.

Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration ("firms") according to one or more schedules. The individual representative will receive all or a portion of the compensation, depending on the practice of the firm. Compensation is based on the scheduled premium. The scheduled Premium will vary by Issue Age, sex, smoker/nonsmoker, substandard rating class, and any riders selected by the Contract Owner.

Broker-dealers will receive compensation of up to 99% of premiums received in the first 12 months following the Contract Date on total premiums received since issue up to the first Scheduled Premium, and up to 8% on premiums received up to the next nine Scheduled Premiums. Moreover, broker-dealers will receive compensation of up to 6% on premiums received to the extent that premiums exceed the first 10 Scheduled Premiums in years two through five, up to 4.5% on premiums received in years six through 10, and up to 3% beyond 10 years.

If the Face Amount is increased, broker-dealers will receive compensation of up to 99% on premiums received up to the first Scheduled Premium for the increase received in the first 12 months following the effective date of the increase and up to 8% of

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

premiums received up to the next nine Scheduled Premiums for the increase. Moreover, broker-dealers will receive compensation of up to 6% on premiums received following the effective date of the increase to the extent that premiums exceed the first 10 Scheduled Premiums in years two through five, up to 4.5% on premiums received in years six through 10, and up to 3% beyond 10 years.

Registered Representatives who sell the Contract are also appointed by and contracted with Prudential as insurance agents for the sale of the Contract, and are eligible to engage in sales of other variable and non-variable Prudential life insurance and annuity products for which they may also be eligible for compensation, subject to applicable regulatory requirements.

In addition, in an effort to promote the sale of our variable products (which may include the placement of our Contracts on a preferred or recommended company or product list and/or access to a broker-dealer's registered representatives), we or Pruco Securities may enter into compensation arrangements with certain broker-dealer firms authorized by Pruco Securities to sell the Contract, or branches of such firms, with respect to certain or all registered representatives of such firms under which such firms may receive separate compensation or reimbursement for, among other things, training of sales personnel, marketing, and administrative and/or other services they provide to us or our affiliates. To the extent permitted by applicable rules, laws, and regulations, Pruco Securities may pay or allow other promotional incentives or payments in the form of cash or non-cash compensation. These arrangements may not be offered to all firms, and the terms of such arrangements may differ between firms. You should note that firms and individual registered representatives and branch managers within some firms participating in one of these compensation arrangements might receive greater compensation for selling the Contract than for selling a different contract that is not eligible for these compensation arrangements.

A list of the names of the firms (or their affiliated broker-dealers) that we are aware of (as of December 31, 2025) that received payment or accrued a payment amount with respect to variable product business during 2025 may be found in the statement of additional information. The least amount of cash compensation paid or accrued and the greatest amount paid or accrued during 2025 were $4.50 and $155,146,923.27, respectively.

While compensation is generally taken into account as an expense in considering the charges applicable to a variable life insurance product, any such compensation will be paid by us, and will not result in any additional charge to you or to the Account. Your registered representative can provide you with more information about the compensation arrangements that apply upon the sale of the Contract.

In addition, we or our affiliates may provide compensation, payments and/or incentives to firms arising out of the marketing, sale and/or servicing of variable annuities or life insurance offered by different Prudential business units.

**LEGAL PROCEEDINGS** 

Pruco Life of New Jersey and its affiliates are parties to various legal proceedings. In our view, none of these proceedings would be material with respect to the Contract Owner's interest in the Separate Account, nor would any of these proceedings be likely to have a material adverse effect on the Separate Account, Pruco Life of New Jersey's ability to meet our obligations under the Contracts or Pruco Securities' ability to perform its obligations with respect to the distribution of the Contracts. For more information, see the financial statements of Pruco Life of New Jersey in the statement of additional information.

**FINANCIAL STATEMENTS**

Our audited financial statements are hereby incorporated by reference into the statement of additional information and should be considered only as bearing upon our ability to meet our obligations under the Contract. The Account's audited financial statements are hereby incorporated by reference into the statement of additional information to this prospectus.

**ADDITIONAL INFORMATION** 

We have filed a registration statement with the SEC under the Securities Act of 1933, relating to the offering described in this prospectus. This prospectus does not include all the information set forth in the registration statement. Certain portions have been omitted pursuant to the rules and regulations of the SEC. The omitted information may, however, be obtained from the SEC's Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549, or by telephoning (202) 551-8090, upon payment of a prescribed fee.

To reduce costs, we now generally send only a single copy of prospectuses and shareholder reports to each household ("householding"), in lieu of sending a copy to each Contract Owner that resides in the household. You should be aware that you can revoke or "opt out" of householding at any time by calling 800-778-2255.

Pursuant to the delivery obligations under Section 5 of the Securities Act of 1933 and Rule 159 thereunder, Pruco Life of New Jersey delivers this prospectus to Contract Owners that reside outside of the United States. In addition, we may not market or offer benefits, features or enhancements to prospective or current Contract Owners while outside of the United States.

You may contact us for further information at the address and telephone number inside the front cover of this prospectus. For service or questions about your Contract, please contact our Service Office at the phone number on the back cover, or at P.O. Box 7390, Philadelphia, Pennsylvania 19176.

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**APPENDIX A: Funds Available Under the Contract**

The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.Prudential.com/eProspectus. You can also request this information at no cost by calling 800-778-2255. Fund prospectuses and other information are also available from a financial intermediary (such as an insurance sales agent or broker-dealer) through which the Contract may be purchased or sold.

The current expense and performance information below reflects fees and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Large-Cap Blend | **AST Large-Cap Equity Portfolio** - PGIM Investments LLC; AST Investment Services, Inc. / *ClearBridge Investments, LLC.; Dimensional Fund Advisors, LP; J.P. Morgan Investment Management Inc.; PGIM Quantitative Solutions LLC* | 0.84% | 14.88% | 13.25% | 12.47% |
| Global/International | **PSF Global Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.73%^ | 22.03% | 10.04% | 11.41% |
| Balanced | **PSF PGIM 50/50 Balanced Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC* | 0.58% | 12.16% | 7.20% | 8.19% |
| Balanced | **PSF PGIM Flexible Managed Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC* | 0.62% | 13.16% | 9.06% | 9.26% |
| Money Market | **PSF PGIM Government Money Market Portfolio**(Class I) - PGIM Investments LLC / *PGIM Fixed Income* | 0.32% | 4.05% | 3.06% | 1.96% |
| Fixed Income | **PSF PGIM High Yield Bond Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited* | 0.57%^ | 8.90% | 4.85% | 6.92% |
| Large-Cap Growth | **PSF PGIM Jennison Blend Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.46%^ | 18.52% | 12.33% | 13.96% |
| Large-Cap Growth | **PSF PGIM Jennison Growth Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.60%^ | 14.27% | 10.69% | 16.62% |
| Large-Cap Value | **PSF PGIM Jennison Value Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.43% | 16.88% | 13.90% | 11.39% |
| Fixed Income | **PSF PGIM Total Return Bond Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited* | 0.43% | 7.80% | 0.14% | 3.17% |
| Small-Cap Blend | **PSF Small-Cap Stock Index Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.38% | 5.69% | 6.97% | 9.52% |
| Large-Cap Blend | **PSF Stock Index Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.28% | 17.56% | 14.09% | 14.51% |

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**^**The Fund's annual current expense reflects temporary fee reductions.

A-i

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**GLOSSARY: Definitions Of Special Terms Used In This Prospectus**

**Attained Age** - The insured's age on the Contract Date plus the number of Contract Years since then.

**Cash Surrender Value** - The amount payable to the Contract Owner upon surrender of the Contract. It is equal to the Contract Fund minus any Contract Debt and minus any applicable surrender charges. Also referred to in the Contract as "Net Cash Value."

**Contract** - The individual variable life insurance Contract described in this prospectus.

**Contract Anniversary** - The same date as the Contract Date in each later year.

**Contract Date** - The date the Contract is issued, as specified in the Contract.

**Contract Debt** - The principal amount of all outstanding loans plus any interest accrued thereon.

**Contract Fund** - The total amount at any time credited to the Contract. On any date, it is equal to the sum of the amounts in all Variable Investment Options and the Fixed Rate Option, and the principal amount of any Contract Debt plus any interest earned thereon.

**Contract Owner** - You. Unless a different owner is named in the application, the owner of the Contract is the insured.

**Contract Year** - A year that starts on the Contract Date or on a Contract Anniversary.

**Death Benefit** - The amount payable upon the death of the insured before the deduction of any outstanding Contract Debt.

**Face Amount** - The amounts of life insurance as shown in the Contract's schedule of Face Amounts, including any applicable increases.

**Fixed Rate Option** - An investment option under which interest is accrued daily at a rate that we declare periodically, but not less than an effective annual rate of 4%. Also referred to in the Contract as the "fixed account."

**Fund/Portfolio** - These are terms that may be used interchangeably and represent the underlying investments held in the Account.

**Good Order** - An instruction utilizing such forms, signatures, and dating as we require, which is sufficiently clear and complete and for which we do not need to exercise any discretion to follow such instructions.

**Internal Revenue Code** - The Internal Revenue Code of 1986, as amended from time to time and the regulations promulgated thereunder.

**Issue Age** - The insured's age as of the Contract Date.

**Monthly Date** - The Contract Date and the same date in each subsequent month.

**Payment Office** - The office at which we process premium payments, loan payments, and payments to bring your Contract out of default. Your correspondence will be picked up at the address on your bill to which you are directed to send these payments and then delivered to our Payment Office. For items required to be sent to our Payment Office, your correspondence is not considered received by us until it is received at our Payment Office. Where this prospectus refers to the day when we receive a premium payment, loan payment or a payment to bring your Contract out of default,

we mean the day on which that item (or the last thing necessary for us to process that item) arrives in Good Order at our Payment Office. There are two main exceptions: if the item is received at our Payment Office (1) on a day that is not a business day or (2) after the close of a business day, then, in each case, we are deemed to have received that item on the next business day.

**Pruco Life Insurance Company of New Jersey** - Pruco Life of New Jersey, us, we, our. The company offering the Contract.

**Scheduled Premiums** - The amounts set forth in your Contract which is payable annually, semi-annually, quarterly or monthly. If you make this payment on time, it may prevent your policy from lapsing due to unfavorable investment experience.

**Separate Account** - Amounts under the Contract that are allocated to the Funds are held by us in a Separate Account called the Pruco Life of New Jersey Variable Appreciable Account (the "Account" or the "Registrant"). The Separate Account is set apart from all of our general assets. Thus, such assets that are held in support of client accounts are not chargeable with liabilities arising out of any other business Pruco Life of New Jersey conducts.

**Service Office** - The office at which we process allocation change requests, withdrawal requests, surrender requests, transfer requests, ownership change requests and assignment requests. Correspondence with our Service Office should be sent to P.O. Box 7390, Philadelphia, Pennsylvania 19176. Your correspondence will be picked up at this address and then delivered to our Service Office. For requests required to be sent to our Service Office, your request is not considered received by us until it is received at our Service Office. Where this prospectus refers to the day when we receive a request from you, we mean the day on which that item (or the last thing necessary for us to process that item) arrives in Good Order at our Service Office or via the appropriate telephone number, fax number, or website if the item is a type we accept by those means. There are two main exceptions: if the request is received (1) on a day that is not a business day or (2) after the close of a business day, then, in each case, we are deemed to have received that item on the next business day.

**Subaccount** - An investment division of the Account, the assets of which are invested in the shares of the corresponding Portfolio of the Fund.

**Tabular Contract Fund**- a guideline representing the amount that would be in the Contract Fund if all Scheduled Premiums are paid on their due dates, there are no unscheduled premiums paid, there are no withdrawals, the investment options you have chosen earn exactly a uniform rate of return of 4% per year, and we have deducted the maximum mortality, sales load and expense charges.

**Valuation Period** - The period of time from one determination of the value of the amount invested in a Variable Investment Option to the next. Such determinations are made when the net asset values of the Variable Investment Options are calculated, which would be as of the close of regular trading on the NYSE (generally 4:00 p.m. Eastern time).

**Variable Investment Options –** The investment options of the Account. When you choose a Variable Investment Option, we purchase shares of the Fund that corresponds to that option. We hold these shares in the Account.

B-i

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**<u>[G](#i6be4340899a1406ca41416e30512b09a_64)[LOSSARY](#i6be4340899a1406ca41416e30512b09a_64)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#i6be4340899a1406ca41416e30512b09a_4)</u>** 

**To Learn More About *Variable Appreciable Life***®

The statement of additional information (SAI) is legally a part of this prospectus, both of which are filed with the SEC under the Securities Act of 1933, Registration No. 002-89780. The SAI contains additional information about the Prudential Variable Appreciable Account. The SEC maintains a website (http://www.sec.gov) that contains the ***Variable Appreciable Life®*** SAI, material incorporated by reference, and other information about us. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: PublicInfo@SEC.gov.

You can call us at 800-778-2255 to ask us questions, request information about the Contract, and obtain copies of the SAI or other documents without charge. You can also view the SAI located with the prospectus at www.Prudential.com/eProspectus, or request a copy by writing to us at:

Pruco Life Insurance Company of New Jersey

213 Washington Street

Newark, New Jersey 07102

EDGAR Class/Contract Identifier: C000002092

Investment Company Act of 1940, Registration No. 811-03974

STATEMENT OF ADDITIONAL INFORMATION

The Date of this statement of additional information and of the related prospectus is May 1, 2026.

**Pruco Life of New Jersey Variable Appreciable Account (the "Account")** 

**Pruco Life Insurance Company of New Jersey**

***Variable Appreciable Life*** <sup>®</sup>

**VARIABLE LIFE INSURANCE CONTRACTS**

This statement of additional information is not a prospectus. Please review the ***Variable Appreciable Life***<sup>®</sup> prospectus (the "prospectus"), which contains information concerning the ***Variable Appreciable Life***<sup>®</sup> Contracts. You may obtain a copy of the prospectus without charge by calling us at 800-778-2255. You can also view the statement of additional information located with the prospectus at www.Prudential.com/eProspectus, or request a copy by writing to us.

The defined terms used in this statement of additional information are as defined in the prospectus.

**Pruco Life Insurance Company of New Jersey**

213 Washington Street

Newark, New Jersey 07102

**TABLE OF CONTENTS** 

---

| | |
|:---|:---|
| | **Page** |
| **<u>[GENERAL INFORMATION AND HISTORY](#i98ffdf67677c4cfd84501fc98bbae084_7)</u>**  | **<u>[1](#i98ffdf67677c4cfd84501fc98bbae084_7)</u>** |
| &nbsp;&nbsp;<u>[Description Of Pruco Life Insurance Company of New Jersey](#i98ffdf67677c4cfd84501fc98bbae084_10)</u> | <u>[1](#i98ffdf67677c4cfd84501fc98bbae084_10)</u> |
| &nbsp;&nbsp;<u>[Control Of Pruco Life Insurance Company](#i98ffdf67677c4cfd84501fc98bbae084_13)[o](#i98ffdf67677c4cfd84501fc98bbae084_13)[f New Jersey](#i98ffdf67677c4cfd84501fc98bbae084_13)</u> | <u>[1](#i98ffdf67677c4cfd84501fc98bbae084_13)</u> |
| &nbsp;&nbsp;<u>[State Regulation](#i98ffdf67677c4cfd84501fc98bbae084_16)</u> | <u>[1](#i98ffdf67677c4cfd84501fc98bbae084_16)</u> |
| &nbsp;&nbsp;<u>[Records](#i98ffdf67677c4cfd84501fc98bbae084_19)</u> | <u>[1](#i98ffdf67677c4cfd84501fc98bbae084_19)</u> |
| &nbsp;&nbsp;<u>[Services And Third Party Administration Agreements](#i98ffdf67677c4cfd84501fc98bbae084_22)</u> | <u>[1](#i98ffdf67677c4cfd84501fc98bbae084_22)</u> |
| **<u>[NON-PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i98ffdf67677c4cfd84501fc98bbae084_749)</u>** | <u>[2](#i98ffdf67677c4cfd84501fc98bbae084_749)</u> |
| <u>[Cyber Security, Artificial Intelligence, And Business Continuity Risks](#i98ffdf67677c4cfd84501fc98bbae084_25)</u> | <u>[2](#i98ffdf67677c4cfd84501fc98bbae084_25)</u> |
| **<u>[ADDITIONAL INFORMATION ABOUT](#i98ffdf67677c4cfd84501fc98bbae084_31)[OPERATION OF CONTRACTS](#i98ffdf67677c4cfd84501fc98bbae084_31)</u>** | **<u>[3](#i98ffdf67677c4cfd84501fc98bbae084_31)</u>** |
| <u>[Legal Considerations Relating To Sex-Distinct Premiums And Benefits](#i98ffdf67677c4cfd84501fc98bbae084_34)</u> | <u>[3](#i98ffdf67677c4cfd84501fc98bbae084_34)</u> |
| &nbsp;&nbsp;<u>[Sales To Persons 14 Years Of Age Or Younger](#i98ffdf67677c4cfd84501fc98bbae084_37)</u> | <u>[3](#i98ffdf67677c4cfd84501fc98bbae084_37)</u> |
| &nbsp;&nbsp;<u>[Right To Exchange a Contract For a Fixed-Benefit Insurance Policy](#i98ffdf67677c4cfd84501fc98bbae084_43)</u> | <u>[3](#i98ffdf67677c4cfd84501fc98bbae084_43)</u> |
| &nbsp;&nbsp;<u>[Reports To Contract Owners](#i98ffdf67677c4cfd84501fc98bbae084_46)</u> | <u>[3](#i98ffdf67677c4cfd84501fc98bbae084_46)</u> |
| **<u>[ADDITIONAL INFORMATION ABOUT CHARGES](#i98ffdf67677c4cfd84501fc98bbae084_635)</u>** | <u>[3](#i98ffdf67677c4cfd84501fc98bbae084_635)</u> |
| <u>[Underwriting Procedures](#i98ffdf67677c4cfd84501fc98bbae084_49)</u> | <u>[3](#i98ffdf67677c4cfd84501fc98bbae084_49)</u> |
| **<u>[ADDITIONAL INFORMATION ABOUT CONTRACTS IN DEFAULT](#i98ffdf67677c4cfd84501fc98bbae084_667)</u>** | **<u>[4](#i98ffdf67677c4cfd84501fc98bbae084_55)</u>** |
| **<u>[DISTRIBUTION AND COMPENSATION](#i98ffdf67677c4cfd84501fc98bbae084_55)</u>** | **<u>[4](#i98ffdf67677c4cfd84501fc98bbae084_55)</u>** |
| **<u>[EXPERTS](#i98ffdf67677c4cfd84501fc98bbae084_58)</u>** | **<u>[6](#i98ffdf67677c4cfd84501fc98bbae084_58)</u>** |
| **<u>[FINANCIAL STATEMENTS](#i98ffdf67677c4cfd84501fc98bbae084_73)</u>** | **<u>[6](#i98ffdf67677c4cfd84501fc98bbae084_73)</u>** |

---

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**<u>[**TABLE OF CONTENTS**](#i98ffdf67677c4cfd84501fc98bbae084_1)</u>**

**GENERAL INFORMATION AND HISTORY**

**Description Of Pruco Life Insurance Company of New Jersey**

Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey", "us", "we", or "our") is a stock life insurance company founded on September 17, 1982 under the laws of the state of New Jersey. It is licensed to sell life insurance and annuities only in the states of New Jersey and New York. Pruco Life of New Jersey's principal Executive Office is located at 213 Washington Street, Newark, New Jersey 07102.

**Control Of Pruco Life Insurance Company of New Jersey**

Pruco Life of New Jersey is a wholly owned subsidiary of Pruco Life Insurance Company ("Pruco Life"), which in turn is a wholly owned subsidiary of The Prudential Insurance Company of America ("Prudential"), a stock life insurance company founded on October 13, 1875, under the laws of the state of New Jersey. Prudential is a wholly owned subsidiary of Prudential Financial, Inc. ("Prudential Financial"), a New Jersey insurance holding company for financial services businesses offering a wide range of insurance, investment management, and other financial products and services. The principal executive office of each of Prudential and Prudential Financial is Prudential Plaza, 751 Broad Street, Newark, New Jersey 07102.

As Pruco Life of New Jersey's ultimate parent, Prudential Financial exercises significant influence over the operations and capital structure of Pruco Life of New Jersey, Pruco Life and Prudential. However, neither Prudential Financial, Prudential, Pruco Life, nor any other related company has any legal responsibility to pay amounts that Pruco Life of New Jersey may owe under the Contract. Pruco Life of New Jersey and Pruco Life's principal executive office is 213 Washington Street, Newark, New Jersey 07102.

**State Regulation**

Pruco Life of New Jersey is subject to regulation and supervision by the Department of Banking and Insurance of of New Jersey, which periodically examines its operations and financial condition. It is also subject to the insurance laws and regulations of all jurisdictions in which it is authorized to do business.

Pruco Life of New Jersey is required to submit annual statements of its operations, including financial statements, to the insurance departments of the various jurisdictions in which it does business to determine solvency and compliance with local insurance laws and regulations.

In addition to the annual statements referred to above, Pruco Life of New Jersey is required to file with New Jersey and other jurisdictions, a separate statement with respect to the operations of all of its variable contract accounts, in a form promulgated by the National Association of Insurance Commissioners.

**Records**

We maintain all records and accounts relating to the Account at our principal executive office. As presently required by the Investment Company Act of 1940, as amended, and regulations promulgated thereunder, reports containing such information as may be required under the Act or by any other applicable law or regulation will be sent to you semi-annually at your last address known to us.

**Services And Third Party Administration Agreements**

Pruco Life of New Jersey and Prudential have entered into a Service Agreement pursuant to which Prudential furnishes to Pruco Life of New Jersey various services, including preparation, maintenance, and filing of accounts, books, records, and other documents required under federal or state law, and various other accounting, administrative, and legal services, which are customarily performed by the officers and employees of Prudential. Pruco Life of New Jersey reimburses Prudential for its costs in providing such services. Under this Agreement, Pruco Life of New Jersey has reimbursed Prudential $10,097,973 in 2025, $10,829,532 in 2024, and $18,652,176 in 2023, of which the life business accounted for $6,745,461, $6,592,847, and $9,229,505, respectively.

Our individual life reinsurance treaties covering Pruco Life of New Jersey **Variable *Appreciable Life***<sup>®</sup> **Insurance** Contracts provide for the reinsurance of a portion of the related mortality risk on a yearly renewable term basis to its affiliate, Prudential. Pruco Life of New Jersey retains any such mortality risk that is not ceded under these treaties.

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On May 10, 2023, Fidelity Information Services ("FIS") became a billing and payment services provider for Prudential, Pruco Life, and Pruco Life of New Jersey. FIS received $1,728,981.51 in 2025, $2,019,422 in 2024, and $1,138,278 in 2023 from Prudential for services rendered. The principal business address of FIS is 601 Riverside Avenue, Jacksonville, Florida 32204.

Under a previous agreement, TransCentra, Inc. ("TransCentra") was a billing and payment services provider for Prudential, Pruco Life, and Pruco Life of New Jersey. TransCentra received $0 in 2025, $162,000 in 2024, and $345,904 in 2023, from Prudential for services rendered. TransCentra's principal business address is 4855 Peachtree Industrial Blvd, Suite 245, Norcross, GA 30092. TransCentra no longer provides the remittance processing services for Prudential, Pruco Life, and Pruco Life of New Jersey, or any of its affiliates.

**NON-PRINCIPAL RISKS OF INVESTING IN THE CONTRACT**

**Cyber Security, Artificial Intelligence and Business Continuity Risks**

With the increasing use of technology and computer systems in general and, in particular, the internet to conduct necessary business functions, we are susceptible to operational, information security and related risks. These risks, which are often collectively referred to as "cyber security" risks, may include deliberate or malicious attacks, as well as unintentional events and occurrences. These risks are heightened by our offering of increasingly complex products, such as those that feature automatic asset transfer or re-allocation strategies, and by our employment of complex investment, trading and hedging programs. Cyber security is generally defined as the technology, operations and related protocol surrounding and protecting a user's computer hardware, network, systems and applications and the data transmitted and stored therewith. These measures ensure the reliability of a user's systems, as well as the security, availability, integrity, and confidentiality of data assets.

Deliberate cyber attacks can include, but are not limited to, gaining unauthorized access (including physical break-ins and attempts to fraudulently induce employees, customers or other users of these systems to disclose sensitive information in order to gain access) to computer systems in order to misappropriate and/or disclose sensitive or confidential information; deleting, corrupting or modifying data; and causing operational disruptions. Cyber attacks may also be carried out in a manner that does not require gaining unauthorized access, such as causing denial-of-service attacks on websites (in order to prevent access to computer networks). In addition to deliberate breaches engineered by external actors, cyber security risks can also result from the conduct of malicious, exploited or careless insiders, whose actions may result in the destruction, release or disclosure of confidential or proprietary information stored on an organization's systems.

Cyber security failures or breaches that could impact us and our Contract Owners, whether deliberate or unintentional, could arise not only in connection with our own administration of the Contract, but also with entities operating the Contract's underlying funds and with third-party service providers to us. Cyber security failures originating with any of the entities involved with the offering and administration of the Contract may cause significant disruptions in the business operations related to the Contract. Potential impacts may include, but are not limited to, potential financial losses under the Contract, your inability to conduct transactions under the Contract and/or with respect to an underlying fund, an inability to calculate unit values with respect to the Contract and/or the net asset value (NAV) with respect to an underlying fund, and disclosures of your personal or confidential account information.

In addition to direct impacts to you, cyber security failures of the type described above may result in adverse impacts to us, including regulatory inquiries, regulatory proceedings, regulatory and/or legal and litigation costs, and reputational damage. Costs incurred by us may include reimbursement and other expenses, including the costs of litigation and litigation settlements and additional compliance costs. Considerable expenses also may be incurred by us in enhancing and upgrading computer systems and systems security following a cyber security failure.

The rapid proliferation of technologies, as well as the increased sophistication and activities of organized crime, hackers, terrorists, hostile foreign governments, and others continue to pose new and significant cyber security threats. Although we, our service providers, and the underlying funds offered under the Contract may have established business continuity plans and risk management systems to mitigate cyber security risks, there can be no guarantee or assurance that such plans or systems will be effective, or that all risks that exist, or may develop in the future, have been completely anticipated and identified or can be protected against. Furthermore, we cannot control or assure the efficacy of the cyber security plans and systems implemented by third-party service providers, the underlying funds, and the issuers in which the underlying funds invest.

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**ADDITIONAL INFORMATION ABOUT OPERATION OF CONTRACTS**

**Legal Considerations Relating To Sex-Distinct Premiums And Benefits**

The Contract generally employs mortality tables that distinguish between males and females. Thus, premiums and benefits differ under Contracts issued on males and females of the same age. However, in those states that have adopted regulations prohibiting sex-distinct insurance rates, premiums and cost of insurance charges will be based on male rates, whether the insureds are male or female. In addition, employers and employee organizations considering purchase of a Contract should consult their legal advisers to determine whether purchase of a Contract based on sex-distinct actuarial tables is consistent with Title VII of the Civil Rights Act of 1964 or other applicable law.

**Sales To Persons 14 Years Of Age Or Younger**

Both Form A and Form B Contracts covering insureds of 14 years of age or less contain a special provision providing that the Face Amount of insurance will automatically be increased on the Contract Anniversary after the insured's 21st birthday to 150% of the initial Face Amount, so long as the Contract is not then in default. The Death Benefit will also usually increase, at the same time, by the same dollar amount. In certain circumstances, however, it may increase by a smaller amount. This increase in Death Benefit will also generally increase the net amount at risk under the Contract, thus increasing the mortality charge deducted each month from amounts invested under the Contract. The automatic increase in the Face Amount of insurance may affect the level of future premium payments you can make without causing the Contract to be classified as a Modified Endowment Contract. A Contract Owner should consult with a Pruco Life of New Jersey representative before making unscheduled premium payments.

**Right To Exchange a Contract For a Fixed-Benefit Insurance Policy**

The only right to exchange the Contract for a fixed-benefit contract is provided by allowing Contract Owners to transfer their entire Contract Fund to the Fixed Rate Option at any time within two years of any increase in Face Amount with respect to the amount of the increase. This is done without regard to the otherwise applicable limit of four transfers per year. This conversion right will also be provided if The Prudential Series Fund (the "Series Fund") or one of its Portfolios has a material change in its investment policy.

**Reports To Contract Owners**

Once each year, we will send you a statement that provides certain information pertinent to your Contract. This statement will detail values, transactions made, and specific Contract data that apply only to your particular Contract.

You will also be sent annual and semi-annual reports of the Funds showing the financial condition of the Portfolios and the investments held in each Portfolio.

We also make available annual and semi-annual reports of the Funds showing the financial condition of the Funds and the investments held in each Fund. The most recent annual and semi-annual reports are available at www.Prudential.com/eProspectus or by calling 800-778-2255.

**ADDITIONAL INFORMATION ABOUT CHARGES** 

**Underwriting Procedures**

When you express interest in obtaining insurance from us, you may apply for coverage in one of two ways, via a paper application or through our worksheet process. When using the paper application, a registered representative completes a full application and submits it to our underwriting unit to commence the underwriting process. A registered representative is an agent/broker who is a representative of a broker-dealer authorized to sell Contracts.

When using the worksheet process, a registered representative typically collects enough applicant information to start the underwriting process. The representative will submit the information to Prudential to begin processing, which includes contacting the proposed insured to provide additional information online or over the phone.

Regardless of which of the two underwriting processes is followed, once we receive the necessary information, which may include doctors' statements, medical examinations from physicians or paramedical vendors, test results, and other information, we will make a decision regarding our willingness to accept the risk, and the price at which we will accept the risk. We will issue the Contract when the risk has been accepted and priced.

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**ADDITIONAL INFORMATION ABOUT CONTRACTS IN DEFAULT**

When your Contract is in default, no part of your Contract Fund is available to you. Consequently, you are not able to take any loans, withdrawals, or surrenders, make any transfers among the investment options, or change the way in which subsequent premiums are allocated.

**DISTRIBUTION AND COMPENSATION**

In an effort to promote the sale of our variable products (which may include the placement of our contracts on a preferred or recommended company or product list and/or access to a broker-dealer's registered representatives), we or Pruco Securities may enter into compensation arrangements with certain broker-dealer firms authorized by Pruco Securities to sell contracts, or branches of such firms, with respect to certain or all registered representatives of such firms under which such firms may receive separate compensation or reimbursement for, among other things, training of sales personnel, marketing and/or administrative and/or other services they provide to us or our affiliates.

To the extent permitted by applicable rules, laws, and regulations, Pruco Securities may pay or allow other promotional incentives or payments in the form of cash or non-cash compensation. These arrangements may not be offered to all firms, and the terms of such arrangements may differ between firms. You should note that firms and individual registered representatives and branch managers within some firms participating in one of these compensation arrangements might receive greater compensation for selling the Contract than for selling a different contract that is not eligible for these compensation arrangements.

Pruco Life of New Jersey makes these promotional payments directly to or in sponsorship of the firm (or its affiliated broker/dealers). Examples of arrangements under which such payments may be made currently include, but are not limited to, sponsorships, conferences (national, regional and top producer), speaker fees, promotional items and reimbursements to firms for marketing activities or services paid by the firms and/or their individual representatives. The amount of these payments varies widely because some payments may encompass only a single event, such as a conference, and others have a much broader scope.

A list below provides the names of the firms (or their affiliated broker-dealers) that we are aware of (as of December 31, 2025) that received payment or accrued a payment amount with respect to variable product business during 2025. The least amount of cash compensation paid or accrued and the greatest amount paid or accrued during 2025 were $4.50 and $155,146,923.27, respectively.

Name of Firms:

&PARTNERS LLC, ACE DIVERSIFIED CAPITAL INC, ACP INVESTMENTS LLC, AEGIS CAPITAL CORPORATION, AGENCY SERVICES OF AR INC, AGP - ALLIANCE GLOBAL PARTNERS, ALLEN MOONEY & BARNES BROKERAGE SERVICES LLC, ALLSTATE FINANCIAL SERVICES LLC, AMERIAN GENERAL INS AGCY INC, AMERICAN GLOBAL WEALTH MANAGEMENT INC, AMERICAN INDEPENDENT SECURITIES GROUP, LLC, AMERICAN TRUST INVESTMENT SERVICES INC, AMERIPRISE FINANCIAL CENTER, AMERITAS INVESTMENT COMPANY LLC, AON CONSULTING INC, APW CAPITAL INC, ARETE INSURANCE AGENCY LLC, ARKADIOS CAPITAL LLC, ARLINGTON SECURITIES INC, ARVEST INSURANCE INC, ASCENSUS BROKER DEALER SERVICES LLC, ASHTON THOMAS SECURITIES LLC, AURORA INSURANCE SERVICES INC, AUSDAL FINANCIAL PARTNERS INC, AVANTAX INSURANCE AGENCY LLC, AVANTAX INVESTMENT SERVICES INC, AVISEN WEALTH MANAGEMENT INC, AW SECURITIES LLC DBA HANSON MCCLAIN RET, AYCO SERVICES AGENCY LP, AYCO SERVICES INS AGCY INC (K OSTER), B RILEY WEALTH MANAGEMENT INC, BAIRD INS SERVICES INC, BARNABAS CAPITAL INSURANCE AGENCY LLC, BCG SECURITIES INC, BENEFIT FUNDING SERVICES LLC, BENJAMIN F EDWARDS & COMPANY INC, BERTHEL FISHER & CO FIN SVCS INC, BERTHEL FISHER AND COMPANY INSURANCE INC, BOK FINANCIAL SECURITIES INC, BRIGHTON SECURITIES CORP, BROOKLIGHT PLACE SECURITIES INC, BUCKMAN CAPITAL LLC, CABOT LODGE SECURITIES LLC, CADARET GRANT & CO INC, CALTON & ASSOCIATES INC, CAMBRIDGE INVESTMENT RESEARCH INC, CAPEFINANCIAL SECURITIES LLC, CAPITAL INVESTMENT GROUP INC, CAPITAL SYNERGY PARTNERS INC, CBIZ BENEFITS & INS SVS INC, CC SERVICES INC, CENTAURUS FINANCIAL INC, CENTAURUS TEXAS INC, CES INSURANCE AGENCY INC, CETERA ADVISOR NETWORKS INSURANCE SERVICES LLC, CETERA ADVISORS INSURANCE SERVICES LLC, CETERA ADVISORS LLC, CETERA FINANCIAL SPECIALIST LLC, CETERA INVESTMENT SERVICES LLC, CETERA WEALTH SERVICES LLC, CFD INVESTMENTS INC, CHAPIN DAVIS INSURANCE INC, CHASE INSURANCE AGENCY, CHELSEA FINANCIAL SERVICES, CIG RISK MANAGEMENT INC, CITIGROUP LIFE AGENCY LLC, CITIZENS SECURITIES INC, COASTAL EQUITIES INSURANCE AGENCY, CONCORDE INSURANCE AGENCY INC, CONCOURSE FINANCIAL GROUP SECURITIES, COORDINATED CAPITAL SECURITIES, CPS FINANCIAL & INSURANCE SERVICES INC, CREATIVEONE SECURITIES LLC, CSFG INSURANCE AGENCY INC, CUTTER & COMPANY BROKERAGE INC, D A DAVIDSON AND COMPANY INC, DAI SECURITIES, LLC, DELTA FINANCIAL INSURANCE BROKERAGE CORP, DEMPSEY LORD SMITH LLC, DFPG INVESTMENTS INC, DMK ADVISOR GROUP INC, EDUCATORS FINANCIAL SERVICES INC, EDWARD D JONES & CO LP, EDWARD JONES INS AGCY OF CA LLC, EDWARD JONES INS AGCY OF MA LLC, EDWARD JONES INS AGCY OF NM LLC, ENTERPRISE GENERAL INS AGENCY INC, ENTERPRISE SECURITIES COMPANY, EQUITABLE NETWORK LLC, EQUITY SERVICES INC, ESTATE INSURANCE SERVICES LTD, EXECUTIVE INS AGENCY INC, FBL MARKETING SERVICES LLC, FIFTH THIRD INSURANCE AGENCY INC, FIFTH THIRD SECURITIES INC, FINANCIAL INDEPENDENCE GROUP, FINANCIAL TELESIS INC, FIRST CITIZENS INVESTOR SERVICES INC, FIRST HEARTLAND CAPITAL INC,

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FIRST HORIZON ADVISORS INC, FIRST HORIZON INSURANCE SERVICES INC, FIRST LIBERTIES SECURITIES INC, FIRST PALLADIUM LLC, FORTRESS PRIVATE LEDGER LLC, FORTUNE FINANCIAL SERVICES INC, FORTUNE SECURITIES INC, FOUNDERS FINANCIAL SECURITIES LLC, FROST BROKERAGE SERVICES INC, G A REPPLE AND COMPANY, GENEOS WEALTH MANAGEMENT INC, GENERAL SECURITIES CORP, GIRARD INVESTMENT SERVICES LLC, GLOBALINK SECURITIES INC, GRADIENT SECURITIES LLC, GRB FINANCIAL LLC, GREAT POINT CAPITAL LLC, GROVE POINT INVESTMENTS LLC, GWN SECURITIES INC, H&R BLOCK FINANCIAL ADVISORS INC, HALLIDAY FINANCIAL LLC, HANTZ AGENCY LLC, HANTZ FINANCIAL SERVICES INC, HARBOR INVESTMENT ADVISORY LLC, HARBOUR INVESTMENTS INC, HAZLETT BURT AND WATSON INC, HENNION AND WALSH WEALTH ADVISORS, HERBERT J SIMS CAPITAL MANAGEMENT, HIGHTOWER SECURITIES LLC, HILLTOP SECURITIES INC, HILLTOP SECURITIES INSURANCE AGENCY INC, HOOPOE CAPITAL MARKETS LLC, HORAN SECURITIES INC, HORNOR TOWNSEND & KENT, HSBC INSURANCE AGENCY USA INC, HSBC SECURITIES USA INC, HUNTER ASSOCIATES INVESTMENT MANAGEMENT LLC, HUNTINGTON INVESTMENT COMPANY, HUNTLEIGH SECURITIES, HWG INS AGENCY INC, IBN FINANCIAL SERVICES INC, IDB CAPITAL CORP, IFP INSURANCE GROUP LLC, IMS SECURITIES INC, INDEPENDENCE CAPITAL AGENCY, INDEPENDENT FINANCIAL GROUP INC, INNOVATION PARTNERS LLC, INSIGHT SECURITIES INC, INTEGRITY ALLIANCE LLC, INTEGRITY CAPITAL LLC, INTERCAM SECURITIES INC, INTERCONTINENTAL AGENCY LLC, INTERLINK SECURITIES CORP, INTERNATIONAL ASSETS ADVISORY LLC, INTERSECURITIES INSURANCE AGENCY, INTERVEST INTERNATIONAL EQUITIES CORPORATION, INTERVEST INTERNAT'L EQUITIES CORP, INVERNESS SECURITIES LLC, INVESTMENT CENTER INC, INVESTMENT DISTRIBUTORS INC, INVESTMENT PLANNERS INC, INVESTMENT SALES CORP, INVICTA CAPITAL LLC, J ALDEN ASSOCIATES INC, J W COLE INSURANCE SERVICES INC , J.K. FINANCIAL SERVICES, INC., JANNEY MONTGOMERY SCOTT LLC, JEFFREY MATTHEWS FINANCIAL GROUP LLC, JOHNSTONE BROKERAGE SERVICES LLC, JP MORGAN SECURITIES LLC, JW COLE FINANCIAL INC, KCD FINANCIAL, KESTRA INVESTMENT SERVICES LLC, KEY INVESTMENT SERVICES LLC, KFG ENTERPRISES INC, KOVACK SECURITIES INC, L M KOHN & CO, LAIDLAW AND COMPANY UK LTD, LARSON FINANCIAL GROUP LLC, LARSON FINANCIAL SECURITIES LLC, LASALLE ST SECURITIES, L.L.C., LEBENTHAL FINANCIAL SERVICES INC, LEVEL FOUR FINANCIAL LLC, LFA LIMITED LIABILITY COMPANY, LIBRA INSURANCE PARTNERS LLC, LIFEMARK SECURITIES CORP, LINCOLN INVESTMENT PLANNING LLC, LINCOLN NATIONAL INS ASSOC INC, LION STREET FINANCIAL LLC, LOMBARD INTERNATIONAL AGENCY INC, LOMBARD INTERNATIONAL BROKERS INC, LPA INSURANCE AGENCY INC, LPL ENTERPRISE LLC, LPL FINANCIAL CORP, LPL INSURANCE ASSOCIATES INC, LSY INC. DBA AMERICAN INVESTORS COMPANY, M FINANCIAL SECURITIES MARKETING INC, M HOLDINGS SECURITES INC, M.S. HOWELLS & CO, MADISON AVENUE SECURITIES, MARINER INSURANCE RESOURCES LLC, MARSH INSURANCE & INVESTMENTS LLC, MB SCHOEN & ASSOCIATES INC, MCDONALD PARTNERS LLC, MERCER HEALTH & BENEFITS ADMINISTRATION, MERRILL LYNCH LIFE AGCY INC, MID-CONTINENT SECURITIES LTD, MMA SECURITIES LLC, MML INS AGCY INC, MML INVESTORS SERVICES LLC, MODERN CAPITAL SECURITIES INC, MOLONEY SECURITIES CO INC, MONEY CONCEPTS CAPITAL, MOORS & CABOT INC, MORGAN STANLEY DEAN WITTER INS SVCS INC, MSC OF TX INC, MUTUAL OF OMAHA MARKETING CORP, MUTUAL SECURITIES INC, MUTUAL TRUST CO OF AMERICA SECURITIES, MWA FINANCIAL SERVICES INC, MWAGIA INC, NATIONS FINANCIAL GROUP INC, NEW PENFACS INS AGENCY INC, NEWBRIDGE SECURITIES CORPORATION, NEXT FINANCIAL GROUP, NEXT FINANCIAL INSURANCE SERVICES, NFP INSURANCE SVCS. INC, NI ADVISORS INC, NORTHLAND SECURITIES INC, NORTHWESTERN MUTUAL INVESTMENT SERVICES, NPA INSURANCE AGENCY INC, NY LIFE SECURITIES, NYLIFE INSURANCE AGENCY INC, O N EQUITY SALES COMPANY, OAK RIDGE FINANCIAL SERVICES GROUP THE, OAKWOOD CAPITAL SECURITIES INC, OBERLIN FINANCIAL INTERNATIONAL LLC, OFG FINANCIAL SERVICES INC, OHIO NATIONAL INS AGENCY INC, ONEAMERICA SECURITIES INC, OPPENHEIMER & CO INC, OSAIC FA INC, OSAIC FS INC, OSAIC INSTITUTIONS INC, OSAIC WEALTH INC, PACKERLAND BROKERAGE SERVICES, INC., PARK AVENUE SECURITIES, PARKLAND SECURITIES, LLC, PEAK BROKERAGE SERVICES LLC, PENSIONMARK SECURITIES LLC, PHX FINANCIAL INC, PINNACLE INVESTMENTS LLC, PJ ROBB VARIABLE CORP, PLANMEMBER SECURITIES CORP, PLUS AGENCY LLC, PREFERRED MARKETING SERVICES INC, PRINCIPAL SECURITIES INC, PRIVATE CLIENT SERVICES LLC, PROSPERA LIFE & ANNUITY SERVICES INC, PROVENANCE INSURANCE SERVICES LLC, PRUDENTIAL DIRECT INC, PURSHE KAPLAN STERLING INS, PWA SECURITIES LLC, RADCLIFFE, ELLEN, PATRICIA, RAYMOND JAMES & ASSOCIATES INC, RAYMOND JAMES FINANCIAL SERVICES, INC, RAYMOND JAMES INSURANCE GROUP INC, RBC CAPITAL MARKETS CORP, REGULUS FINANCIAL GROUP LLC, REHMANN INSURANCE GROUP LLC, ROBERT SHOR INSURANCE ASSOCIATES INC, ROBERT W BAIRD & CO INC, ROCKEFELLER CAPITAL MGMT INS SVS, S B H U LIFE AGENCY INC, SAN BLAS SECURITIES LLC, SANCTUARY SECURITIES INC, SAXONY INSURANCE AGENCY LLC, SAYBRUS EQUITY SERVICES INC, SBS INSURANCE AGENCY OF LA INC, SFA INSURANCE SERVICES INC, SIGMA FINANCIAL CORP, SIGNAL SECURITIES INC, SIGNATURE ESTATE SECURITIES LLC, SII INVESTMENTS IN, SMITH MOORE AND CO, SNOWDEN INSURANCE SERVICES LLC, SORRENTO PACIFIC FINANCIAL LLC, SOUTH COAST ASSURANCE COMPANY, SPIRE INSURANCE AGENCY LLC, ST BERNARD FINANCIAL SERVICES INC, STANLEY LAMAN GROUP SECURITIES LLC, STEPHENS INSURANCE LLC, STERN CAPITAL DE, STEWARD PARTNERS INVESTMENT SOLUTIONS LLC, STIFEL INDEPENDENT ADVISORS LLC, STIFEL NICHOLAUS & CO INC, STIFEL NICOLAUS INSURANCE AGENCY, INC., STONEX SECURITIES INC, SUMMIT BROKERAGE SERVICES, INC, SUPREME ALLIANCE LLC, SYNDICATED CAPITAL INC, SYNOVUS SECURITIES INC, TBS AGENCY INC, TBS AGENCY OF TEXAS INC, THE LEADERS GROUP INC , THOROUGHBRED FINANCIAL SERVICES LLC, THRIVENT INSURANCE AGENCY INC, THURSTON SPRINGER MILLER HERD & TITAK INC, TRANSAMERICA FINANCIAL ADVISORS, TRUIST INVESTMENT SERVICES INC, TRUSTMONT FINANCIAL GROUP INC, U S BANCORP INVESTMENTS INC, U.S. BANCORP ADVISORS LLC, UBS FINANCIAL SERVICES, UBS FINANCIAL SERVICES INSURANCE, UMB INSURANCE INC, UNITED BROKERAGE SERVICES INC, UNITED PLANNERS FINANCIAL SERVICES OF AM, UPFSA INSURANCE AGENCY OF AZ, INC., US BANCORP INSURANCE SERVICES LLC, USA FINANCIAL SECURITIES LLC, VALLEY FINANCIAL MANAGEMENT INC, VALMARK SECURITES INC, VANDERBILT SECURITIES LLC, VARIABLE CONTRACT AGENCY LLC, VOYA FINANCIAL ADVISORS INC, WEH INSURANCE AGENCY INC, WELLS FARGO ADVISORS FINANCIAL, WELLS FARGO ADVISORS FINANCIAL NETWORK LLC, WELLS FARGO ADVISORS INS. AGENCY, WELLS FARGO ADVISORS INSURANCE AGENCY, WELLS FARGO ADVISORS LLC, WENTWORTH FINANCIAL PARTNERS LLC,

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WESTERN INTERNATIONAL SECURITIES INC, WINTRUST INVESTMENTS LLC, WJ LYNCH INS AGENCY, WORLD EQUITY GROUP, WORLD FINANCIAL GROUP INS AGCY INC, WORLD FINANCIAL GRP INS AGENCY OF MA INC, WORLD INVESTMENTS LLC, XML SECURITIES LLC

Your registered representative can provide you with more information about the compensation arrangements that apply upon the sale of the Contract.

**EXPERTS**

The financial statements of Pruco Life Insurance Company of New Jersey and as of December 31, 2025 and 2024, and for each of the three years in the period ended December 31, 2025 and the financial statements of each of the subaccounts of Pruco Life of New Jersey Variable Appreciable Account as of the dates presented and for each of the periods indicated therein incorporated in this statement of additional information by reference to the filed Form N-VPFS dated April 9, 2026 have been so incorporated in reliance on the reports of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

Actuarial matters included in this statement of additional information have been examined by Brian Peterfreund, FSA, MAAA, Vice President and Actuary of Prudential.

**FINANCIAL STATEMENTS**

The financial statements of the Account should be distinguished from the financial statements of Pruco Life of New Jersey, which should be considered only as bearing upon the ability of Pruco Life of New Jersey to meet its obligations under the Contracts.

**<u>[The financial statements of the Pruco Life of New Jersey Variable Appreciable Account and of Pruco Life Insurance Company of New Jersey are hereby incorporated by reference to Form N-VPFS dated April](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)[9](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)[, 202](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)[6](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)[.](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)</u>**

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| |
|:---|
| **OTHER INFORMATION** |
| **Item 30. Exhibits** |
| **Exhibit Number Description Of Exhibit** |

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| | | |
|:---|:---|:---|
| (a) | Board of Directors Resolution: | Board of Directors Resolution: |
|  | (i) | <u>[Resolution of Board of Directors of Pruco Life Insurance Company of New Jersey establishing the Pruco Life of New Jersey Variable Appreciable Account.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000024/boardresolution-plnjvaa.htm)</u> (Note 4) |
| (b) | Custodian Agreements: | Custodian Agreements: |
|  |  | Not applicable. |
| (c) | Underwriting Contracts: | Underwriting Contracts: |
|  | (i) | <u>[Distribution Agreement between Pruco Securities, LLC and Pruco Life Insurance Company of New Jersey.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000024/distributionagreement.htm)</u> (Note 4)  |
|  | (ii) | <u>[Selling Agreement used from 11-2008 to current.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000059/sellingagreement-ii.htm)</u> (Note 5) |
|  | (iii) | <u>[Selling Agreement used from 1-2008 to 11-2008.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000059/sellingagreement-iii.htm)</u> (Note 5) |
|  | (iv) | <u>[Selling Agreement used from 11-2007 to 1-2008.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000059/sellingagreement-iv.htm)</u> (Note 5) |
|  | (v) | <u>[Selling Agreement used from 12-2006 to 11-2007.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000059/sellingagreement-v.htm)</u> (Note 5) |
|  | (vi) | <u>[Selling Agreement used from 11-2005 to 12-2006.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000059/sellingagreement-vi.htm)</u> (Note 5) |
|  | (vii) | <u>[Selling Agreement used from 9-2003 to 11-2005.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000059/sellingagreement-vii.htm)</u> (Note 5) |
|  | (viii) | <u>[Selling Agreement used from 3-1999 to 9-2003.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000059/sellingagreement-viii.htm)</u> (Note 5) |
| (d) | Contracts: | Contracts: |
|  | For use with VALA-86 and VALB-86: | For use with VALA-86 and VALB-86: |
|  | (i) | <u>[Variable Appreciable Life Insurance Contract with fixed death benefit - VALA--86 - N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/vala-x86xn.htm)</u> (Note 16) |
|  | (ii) | <u>[Variable Appreciable Life Insurance Contract with variable death benefit - VALB--86--N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/valb-x86xxn.htm)</u> (Note 16) |
|  | (iii) | <u>[Applicant's Waiver of Premium Benefit in NJ- AL 150 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al150an.htm)</u> (Note 16) |
|  | (iv) | <u>[Applicant's Waiver of Premium Benefit in NY - AL 150 A Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al150ay.htm)</u> (Note 16) |
|  | (v) | <u>[Coverage on Other Insured in NY- PLY 5-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply5-82ny.htm)</u> (Note 16) |
|  | (vi) | <u>[Decreasing Term Insurance Benefit on Life of Insured in NJ and NY- AL 130 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al130an.htm)</u> (Note 16) |
|  | (vii) | <u>[Decreasing Term Insurance Benefit on Life of Insured Spouse in NJ- AL 180 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al180an.htm)</u> (Note 16) |
|  | (viii) | <u>[Decreasing Term Insurance Benefit on Life of Insured Spouse in NY - AL 180 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al180ay.htm)</u> (Note 16) |
|  | (ix) | <u>[Election of Variable Reduced Paid-up Insurance in NJ - PLIY 47-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy47-84.htm)</u>(Note 16) |
|  | (x) | <u>[Election of Variable Reduced Paid-up Insurance in NY - PLY 45-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply45-84.htm)</u> (Note 16) |
|  | (xi) | <u>[Exclusion for War Risk in NJ - PLIY 81-86](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy81-86.htm)</u> (Note 16) |
|  | (xii) | <u>[Exclusion for War Risk in NY - PLY 76-86](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply76-86.htm)</u> (Note 16) |
|  | (xiii) | <u>[Exclusion of Aviation Risk](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy79-86.htm)[in NJ- PLIY 79-86](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy79-86.htm)</u> (Note 16) |
|  | (xiv) | <u>[Exclusion of Aviation Risk](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply74-86.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply74-86.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply74-86.htm)[PLY 74-86](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply74-86.htm)</u>(Note 16) |
|  | (xv) | <u>[Exclusion of Military Aviation Risk](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy80-86.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy80-86.htm)[- PLIY 80-86](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy80-86.htm)</u> (Note 16) |
|  | (xvi) | <u>[Exclusion of Military Aviation Risk](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply75-86.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply75-86.htm)[- PLY 75-86](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply75-86.htm)</u> (Note 16) |
|  | (xvii) | <u>[Insured's Waiver of Premium Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100an.htm)[i](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100an.htm)[n NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100an.htm)[- AL 100 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100an.htm)</u> (Note 16) |
|  | (xviii) | <u>[Insured's Waiver of Premium Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100ay.htm)[in N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100ay.htm)[Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100ay.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100ay.htm)[AL 100 A Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100ay.htm)</u> (Note 16) |
|  | (xix) | <u>[Insured's Accidental Death Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al110an.htm)[in NJ and NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al110an.htm)[- AL 110 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al110an.htm)</u> (Note 16) |
|  | (xx) | <u>[Interim Term Insurance Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al160an.htm)[in NJ and N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al160an.htm)[Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al160an.htm)[- AL 160 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al160an.htm)</u> (Note 16) |
|  | (xxi) | <u>[Level Term Insurance Benefit on Dependent Children in NJ - AL 182 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182an.htm)</u> (Note 16) |
|  | (xxii) | <u>[Level Term Insurance Benefit on Dependent Children](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182ay.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182ay.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182ay.htm)[AL 182 A Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182ay.htm)</u> (Note 16) |
|  | (xxiii) | <u>[Level Term Insurance Benefit on Dependent Children--from Term Conversions](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184an.htm)[in N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184an.htm)[J](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184an.htm)[- AL 184 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184an.htm)</u> (Note 16) |
|  | (xxiv) | <u>[Level Term Insurance Benefit on Dependent Children--from Term Conversions](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184ay.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184ay.htm)[- AL 184 A Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184ay.htm)</u> (Note 16) |

---

------

---

| | |
|:---|:---|
| (xxv) | <u>[Level Term Insurance Benefit on Dependent Children--from Term Conversions or Attained Age Change](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185an.htm)[in N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185an.htm)[J](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185an.htm)[- AL 185 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185an.htm)</u> (Note 16) |
| (xxvi) | <u>[Level Term Insurance Benefit on Dependent Children--from Term Conversions or Attained Age Change](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185ay.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185ay.htm)[- AL 185 A Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185ay.htm)</u> (Note 16) |
| (xxvii) | <u>[Level Term Insurance Benefit on Life of Insured (10 & 20 yrs)](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al131an.htm)[in NJ and NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al131an.htm)[- AL 131 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al131an.htm)</u> (Note 16) |
| (xxviii) | <u>[Living Needs Benefit Rider for use in New Jersey - ORD 87241-95-P NJ2](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ord87241-95nj2.htm)</u> (Note 16) |
| (xxix) | <u>[Living Needs Benefit Rider for use in New York - ORD 87241-91-P NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ord87241-91xpny.htm)</u>(Note 16) |
| (xxx) | <u>[Modifying Waiver of Premium Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy23-82nj.htm)[in](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy23-82nj.htm)[NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy23-82nj.htm)[- PLIY 23-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy23-82nj.htm)</u> (Note 16) |
| (xxxi) | <u>[Modifying Waiver of Premium Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply23-82.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply23-82.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply23-82.htm)[PLY 23-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply23-82.htm)</u> (Note 16) |
| (xxxii) | <u>[New Jersey Rider for Term Insurance Benefit on Life of Insured Spouse-Decreasing Amount After Three Years](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181an.htm)[in N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181an.htm)[J](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181an.htm)[- AL 181 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181an.htm)</u> (Note 16) |
| (xxxiii) | <u>[New York Rider for Term Insurance Benefit on Life of Insured Spouse-Decreasing Amount After Three Years](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181ay.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181ay.htm)[- AL 181 A Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181ay.htm)</u> (Note 16) |
| (xxxiv) | <u>[Option to Purchase Additional Insurance on Life of Insured](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140an.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140an.htm)[- AL 140 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140an.htm)</u> (Note 16) |
| (xxxv) | <u>[Option to Purchase Additional Insurance on Life of Insured](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140ay.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140ay.htm)[- AL 140 A Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140ay.htm)</u> (Note 16) |
| (xxxvi) | Supplementary Monthly Renewable Non-Convertible One Month Term Insurance |
| (i) | <u>[for use in New Jersey - AL 500 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al500an.htm)</u> (Note 16)  |
| (ii) | <u>[for use in New York - AL 500 A Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al500ay.htm)</u> (Note 16) |
| (xxxvii) | <u>[Term Insurance Benefit on Life of Insured - Decreasing Amount After Three Years](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al136an.htm)[in NJ and NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al136an.htm)[- AL 136 A N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al136an.htm)</u> (Note 16) |
| (xxxviii) | <u>[Terminate a Supplementary Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy24-82.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy24-82.htm)[- PLIY 24-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy24-82.htm)</u> (Note 16) |
| (xxxix) | <u>[Terminate a Supplementary Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply24-82.htm)[in](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply24-82.htm)[NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply24-82.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply24-82.htm)[PLY 24](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply24-82.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply24-82.htm)[82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply24-82.htm)</u> (Note 16) |
| (xl) | <u>[Endorsement for Contracts issued in connection with tax-qualified pension plans](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy90-86.htm)[in NJ and NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy90-86.htm)[- PLIY 90-86](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy90-86.htm)</u> (Note 16) |
| (xli) | <u>[Endorsement for Contractual Conversion of a Term Policy](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy29-82nj.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy29-82nj.htm)[- PLIY 29-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy29-82nj.htm)</u> (Note 16) |
| (xlii) | <u>[Endorsement for Contractual Conversion of a Term Policy](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply22-82.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply22-82.htm)[- PLY 22-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply22-82.htm)</u> (Note 16) |
| (xliv) | <u>[Endorsement for Conversion of a Dependent Child](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy20-82nj.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy20-82nj.htm)[- PLIY 20-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy20-82nj.htm)</u> (Note 16) |
| (xlv) | <u>[Endorsement for Conversion of a Dependent Child](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply29-82.htm)[in N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply29-82.htm)[Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply29-82.htm)[- PLY 29-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply29-82.htm)</u> (Note 16) |
| For use with VALA-84 and VALB-84: | For use with VALA-84 and VALB-84: |
| (xlvi) | <u>[Variable Appreciable Life Insurance Contracts With fixed Death Benefit - VALA--84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/vala-x84xn.htm)</u> (Note 16) |
| (xlvii) | <u>[Variable Appreciable Life Insurance Contracts With Variable Death Benefit - VALB--84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/valb-x84xn.htm)</u> (Note 16) |
| (xlviii) | <u>[Applicant's Waiver of Premium Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al150n.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al150n.htm)[- AL 150 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al150n.htm)</u> (Note 16) |
| (xlix) | <u>[Applicant's Waiver of Premium Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al150y.htm)[in N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al150y.htm)[Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al150y.htm)[- AL 150 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al150y.htm)</u> (Note 16) |
| (l) | <u>[Coverage on Other Insured](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply5-82.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply5-82.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply5-82.htm)[PLY 5-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply5-82.htm)</u> (Note 16) |
| (li) | <u>[Decreasing Term Insurance Benefit on Life of Insured](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al130n.htm)[in NJ and](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al130n.htm)[NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al130n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al130n.htm)[AL 130 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al130n.htm)</u> (Note 16) |
| (lii) | <u>[Decreasing Term Insurance Benefit on Life of Insured Spouse](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al180n.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al180n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al180n.htm)[AL 180 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al180n.htm)</u> (Note 16) |
| (liii) | <u>[Decreasing Term Insurance Benefit on Life of Insured Spouse](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al180y.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al180y.htm)[- AL 180 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al180y.htm)</u> (Note 16) |
| (liv) | <u>[Election of Variable Reduced Paid-up Insurance](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy47-84a.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy47-84a.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy47-84a.htm)[PLIY 47-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy47-84a.htm)</u> (Note 16) |
| (lv) | <u>[Exclusion for War Risk](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy50-84.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy50-84.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy50-84.htm)[PLIY 50-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy50-84.htm)</u>(Note 16) |
| (lvi) | <u>[Exclusion for War Risk](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)[in](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)[NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)[- PLY 48-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)</u> (Note 16) |
| (lvii) | <u>[Exclusion of Aviation Risk](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy48-84.htm)[in N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy48-84.htm)[J](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy48-84.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy48-84.htm)[PLIY 48-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy48-84.htm)</u> (Note 16) |
| (lviii) | <u>[E](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)[xclusion of Aviation Risk](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)[in N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)[Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)[- PLY 4](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)[6](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)[-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply48-84.htm)</u> (Note 16) |
| (lix) | <u>[Exclusion of Military Aviation Risk](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy49-84.htm)[in](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy49-84.htm)[NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy49-84.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy49-84.htm)[PLIY 49-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy49-84.htm)</u> (Note 16) |
| (lx) | <u>[Exclusion of Military Aviation Risk](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply46-84.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply46-84.htm)[- PLY 47-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply46-84.htm)</u> (Note 16) |
| (lxi) | <u>[Insured's Waiver of Premium Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100n.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100n.htm)[- AL 100 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100n.htm)</u> (Note 16) |
| (lxii) | <u>[Insured's Waiver of Premium Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100y.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100y.htm)[- AL 100 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al100y.htm)</u> (Note 16) |
| (lxiii) | <u>[Insured's Accidental Death Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al110n.htm)[in NJ and NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al110n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al110n.htm)[AL 110 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al110n.htm)</u> (Note 16) |
| (lxiv) | <u>[Interim Term Insurance Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al160n.htm)[in NJ and NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al160n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al160n.htm)[AL 160 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al160n.htm)</u> (Note 16) |
| (lxv) | <u>[Level Term Insurance Benefit on Dependent Children](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182n.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182n.htm)[AL 182 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182n.htm)</u> (Note 16) |
| (lxvi) | <u>[Level Term Insurance Benefit on Dependent Children](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182y.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182y.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182y.htm)[AL 182 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al182y.htm)</u> (Note 16) |
| (lxvii) | <u>[Level Term Insurance Benefit on Dependent Children--from Term Conversions](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184n.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184n.htm)[AL 184 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184n.htm)</u> (Note 16) |

---

------

---

| | | |
|:---|:---|:---|
| | (lxvii) | <u>[Level Term Insurance Benefit on Dependent Children--from Term Conversions](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184y.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184y.htm)[- AL 184 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al184y.htm)</u> (Note 16) |
| | (lxviii) | <u>[Level Term Insurance Benefit on Dependent Children--from Term Conversions or Attained Age Change](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185n.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185n.htm)[AL 185 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185n.htm)</u> (Note 16) |
| | (lxix) | <u>[Level Term Insurance Benefit on Dependent Children-from Term Conversions or Attained Age Change](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185y.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185y.htm)[- AL](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185y.htm)[185 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al185y.htm)</u> (Note 16) |
| | (lxx) | <u>[Level Term Insurance Benefit on Life of Insured (10 & 20 yrs)](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al131n.htm)[in N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al131n.htm)[J and NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al131n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al131n.htm)[AL 131 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al131n.htm)</u> (Note 16) |
| | (lxxi) | <u>[Living Needs Benefit Rider for use in New Jersey](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ord87241-95xpnj2.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ord87241-95xpnj2.htm)[ORD 87241-95-P NJ2](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ord87241-95xpnj2.htm)</u> (Note 16) |
| | (lxxii) | <u>[Living Needs Benefit Rider for use in New York](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ord87241-91xpnya.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ord87241-91xpnya.htm)[ORD 87241-91-P NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ord87241-91xpnya.htm)</u> (Note 16) |
| | (lxxiii) | <u>[Modifying Waiver of Premium Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy23-82.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy23-82.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy23-82.htm)[PLIY 23-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy23-82.htm)</u> (Note 16) |
| | (lxxiv) | <u>[Modifying](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply23-82a.htm)[Waiver of Premium Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply23-82a.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply23-82a.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply23-82a.htm)[PLY 23-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply23-82a.htm)</u> (Note 16) |
| | (lxxv) | <u>[New Jersey Rider for Term Insurance Benefit on Life of Insured Spouse-Decreasing Amount After Three Years.](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181n.htm)[AL 181 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181n.htm)</u> (Note 16) |
| | (lxxvi) | <u>[New York Rider for Term Insurance Benefit on Life of Insured Spouse-Decreasing Amount After Three Years. - AL 181 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al181y.htm)</u> (Note 16) |
| | (lxxvii) | <u>[Option to Purchase Additional Insurance on Life of Insured](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140n.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140n.htm)[AL 140 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140n.htm)</u> (Note 16) |
| | (lxxviii) | <u>[Option to Purchase Additional Insurance on Life of Insured](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140y.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140y.htm)[- AL 140 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al140y.htm)</u> (Note 16) |
| | (lxxix) | Supplementary Monthly Renewable Non-Convertible One Month Term Insurance |
| | (i) | <u>[for use in New Jersey with fixed death benefit Contract. - VALA 500 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/vala500n.htm)</u> (Note 16) |
| | (ii) | <u>[for use in New Jersey with variable death benefit Contract.](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/valb500n.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/valb500n.htm)[VALB 500 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/valb500n.htm)</u> (Note 16) |
| | (iii) | <u>[for use in New York with fixed death benefit Contract - VALA 500 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/vala500y-frompreviouslyfil.htm)</u> (Note 16) |
| | (iv) | <u>[for use in New York with variable death benefit Contract - VALB 500 Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/valb500y-frompreviouslyfil.htm)</u> (Note 16) |
| | (lxxx) | <u>[Term Insurance Benefit on Life of Insured - Decreasing Amount After Three](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al136n.htm)[in NJ and NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al136n.htm)[- AL 136 N](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/al136n.htm)</u> (Note 16) |
| | (lxxxi) | <u>[Terminate a Supplementary Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy24-82a.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy24-82a.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy24-82a.htm)[PLIY 24-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy24-82a.htm)</u> (Note 16) |
| | (lxxxii) | <u>[Terminate a Supplementary Benefit](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply24-82a.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply24-82a.htm)[- PLY 24-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply24-82a.htm)</u> (Note 16) |
| | (lxxxiii) | <u>[Alteration of Text Endorsement (for Interest Charge and Effect of a Loan) or Endorsement for Variable Loan Interest Rate](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy51-84.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy51-84.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy51-84.htm)[PLIY 51-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy51-84.htm)</u> (Note 16) |
| | (lxxxiv) | <u>[Alteration of Text Endorsement (for Interest Charge and Effect of a Loan) or Endorsement for Variable Loan Interest Rate](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply49-84.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply49-84.htm)[- PL](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply49-84.htm)[Y](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply49-84.htm)[49-84](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply49-84.htm)</u> (Note 16) |
| | (lxxxv) | <u>[Endorsement for Contractual Conversion of a Term Policy](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy29-82.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy29-82.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy29-82.htm)[PLIY 29-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy29-82.htm)</u> (Note 16) |
| | (lxxxvi) | <u>[Endorsement for Contractual Conversion of a Term Policy](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply22-82a.htm)[in NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply22-82a.htm)[- PLY 22](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply22-82a.htm)[-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply22-82a.htm)</u> (Note 16) |
| | (lxxxvii) | <u>[Endorsement for Conversion of a Dependent Child](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy20-82.htm)[in NJ](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy20-82.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy20-82.htm)[PLIY 20-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/pliy20-82.htm)</u> (Note 16) |
| | (lxxxviii) | <u>[Endorsement for Conversion of a Dependent Child](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply29-82a.htm)[in](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply29-82a.htm)[NY](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply29-82a.htm)[- PLY 29-82](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/ply29-82a.htm)</u> (Note 16) |
| | (lxxxix) | <u>[Conversion Level Term Insurance Benefit on a Child Rider - VL 182](https://www.sec.gov/Archives/edgar/data/741313/000074131323000088/vl182-frompreviouslyfiledf.htm)</u> (Note 16) |
| (e) | Applications: | Applications: |
|  | (i) | <u>[Application Form For Variable Appreciable Life Insurance Contract - ORD 84376 82](https://www.sec.gov/Archives/edgar/data/741313/000074131322000039/applicationformforvariable.htm)</u>. (Note 15) |
|  | (ii) | <u>[Supplement To the Application for Variable Appreciable Life Insurance Contract](https://www.sec.gov/Archives/edgar/data/741313/000074131322000039/supplementtotheapplication.htm)[- PLY 17--84](https://www.sec.gov/Archives/edgar/data/741313/000074131322000039/supplementtotheapplication.htm)</u>. (Note 15) |
|  | (iii) | <u>[New Jersey Application Form For Variable Appreciable Life Insurance Contract](https://www.sec.gov/Archives/edgar/data/741313/000074131322000039/newjerseyapplicationformfo.htm)[-](https://www.sec.gov/Archives/edgar/data/741313/000074131322000039/newjerseyapplicationformfo.htm)[ORD 84376-82](https://www.sec.gov/Archives/edgar/data/741313/000074131322000039/newjerseyapplicationformfo.htm)</u>. (Note 15) |
|  | (iv) | <u>[New York Application Form For Variable Appreciable Life Insurance Contract - PLY 53-82](https://www.sec.gov/Archives/edgar/data/741313/000074131322000039/newyorkapplicationformforv.htm)</u>. (Note 15) |
|  | (v) | <u>[Revised New York Application Form For Variable Appreciable Life Insurance Contract - ORD 84376-84](https://www.sec.gov/Archives/edgar/data/741313/000074131322000039/revisednewyorkapplicationf.htm)</u>. (Note 15) |
| (f) | Depositor's Certificate of Incorporation and By-Laws: | Depositor's Certificate of Incorporation and By-Laws: |
|  | (i) | <u>[Articles of Incorporation of Pruco Life Insurance Company of New Jersey, as amended March 11, 1983.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000024/plnjcertificateincorporation.htm)</u> (Note 4) |
|  | (ii) | <u>[Certificate of Amendment of the Articles of Incorporation of Pruco Life Insurance Company of New Jersey, February 12, 1998.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000024/amendmenttocertificate.htm)</u> (Note 4) |
|  | (iii) | <u>[Certificate of Amendment of the Articles of Incorporation of Pruco Life Insurance Company of New Jersey, October 1, 2012.](https://www.sec.gov/Archives/edgar/data/741313/000074131315000086/certofamendment.htm)</u> (Note 11) |
|  | (iv) | <u>[By-laws of Pruco Life Insurance Company of New Jersey, as amended August 4, 1999.](https://www.sec.gov/Archives/edgar/data/741313/000074131309000024/by-lawsofplnj.htm)</u> (Note 4) |

---

------

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| | | |
|:---|:---|:---|
| (g) | Reinsurance Contracts: | Reinsurance Contracts: |
|  | (i) | <u>[Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000074131306000028/nj-cede2prureinsurance.htm)</u>(Note 2) |
|  | (ii) | <u>[Amendment No. 1 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-1reinsurancenj.htm)</u> (Note 7) |
|  | (iii) | <u>[Amendment No. 2 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-2reinsurancenj.htm)</u> (Note 7) |
|  | (iv) | <u>[Amendment No. 3 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-3reinsurancenj.htm)</u> (Note 7) |
|  | (v) | <u>[Amendment No. 4 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-4reinsurancenj.htm)</u> (Note 7) |
|  | (vi) | <u>[Amendment No. 5 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-5reinsurancenj.htm)</u> (Note 7) |
|  | (vii) | <u>[Amendment No. 6 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-6reinsurancenj.htm)</u> (Note 7) |
|  | (viii) | <u>[Amendment No. 7 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-7reinsurancenj.htm)</u> (Note 7) |
|  | (ix) | <u>[Amendment No. 8 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-8reinsurancenj.htm)</u> (Note 7) |
|  | (x) | <u>[Amendment No. 9 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-9reinsurancenj.htm)</u> (Note 7) |
|  | (xi) | <u>[Amendment No. 10 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-10reinsurancenj.htm)</u> (Note 7) |
|  | (xii) | <u>[Amendment No. 11 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-11reinsurancenj.htm)</u> (Note 7) |
|  | (xiii) | <u>[Amendment No. 12 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-12reinsurancenj.htm)</u> (Note 7) |
|  | (xiv) | <u>[Amendment No. 13 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-13reinsurancenj.htm)</u> (Note 7) |
|  | (xv) | <u>[Amendment No. 14 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-14reinsurancenj.htm)</u> (Note 7) |
|  | (xvi) | <u>[Amendment No. 15 to the Agreement between Pruco Life of New Jersey and Prudential.](https://www.sec.gov/Archives/edgar/data/741313/000085169313000012/amendment-15reinsurancenj.htm)</u> (Note 7) |
| (h) | Participation Agreements: | Participation Agreements: |
|  | (i) | <u>[Participation Agreement between Pruco Life of New Jersey and Prudential Series Fund](https://www.sec.gov/Archives/edgar/data/741313/000074131318000013/plnjpsfparticipationagreem.htm)</u> (Note 12) |
|  | (ii) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and Prudential Series Fund](https://www.sec.gov/Archives/edgar/data/741313/000074131318000013/plnjpsf22c2.htm)</u> (Note 12) |
|  | (iii) | <u>[Advanced Series Trust (formerly American Skandia Trust) Participation Agreement, as amended June 8, 2005](https://www.sec.gov/Archives/edgar/data/741313/000074131305000044/nj-skandiaparticipationagree.htm)</u>. (Note 13) |
|  | (iv) | <u>[Amendment #1 to the Participation Agreement between Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey") and Advanced Series Trust (formerly American Skandia Trust), as amended June 8, 2005](https://www.sec.gov/Archives/edgar/data/741313/000085169313000015/amendment1astnjparticipation.htm)</u>. (Note 14) |
| (i) | Administrative Contracts: | Administrative Contracts: |
|  | (i) | <u>[Service Agreement between Prudential and the Regulus Group, LLC.](https://www.sec.gov/Archives/edgar/data/741313/000085169311000068/regulusagreement.htm)</u> (Note 6) |
|  | (ii) | <u>[Revised Service Agreement between Prudential and the Regulus Group LLC, a TransCentra company.](https://www.sec.gov/Archives/edgar/data/851693/000085169314000031/regulusagreement.htm)</u> (Note 9) |
|  | (iii) | <u>[Engagement Schedule No. 2 between Prudential and Regulus Group, LLC.](https://www.sec.gov/Archives/edgar/data/851693/000085169315000042/regulusschedule.htm)</u> (Note 10) |
|  | (iv) | <u>[Services Agreement between Prudential and Fidelity Information Services.](https://www.sec.gov/Archives/edgar/data/741313/000074131323000243/fisservicesagreement.htm)</u> (Note 17) |
|  | (v) | <u>[Engagement Schedule between Prudential and Fidelity Information Services.](https://www.sec.gov/Archives/edgar/data/741313/000074131323000243/engagementschedule_fisxfin.htm)</u> (Note 17) |
| (j) | Other Material Contracts: | Other Material Contracts: |
|  |  | Not applicable. |
| (k) | Legal Opinion: | Legal Opinion: |
|  |  | <u>[Opinion and Consent of Christopher J. Madin, Esq., as to the legality of the securities being registered](plnjvaa_legalconsentcjm.htm)[.](plnjvaa_legalconsentcjm.htm)</u> (Note 1) |
| (l) | Actuarial Opinion: | Actuarial Opinion: |
|  |  | Not applicable. |
| (m) | Calculation: | Calculation: |
|  |  | Not applicable. |
| (n) | Other Opinions: | Other Opinions: |

---

------

---

| | | |
|:---|:---|:---|
| | (i) | <u>[Consent of PricewaterhouseCoopers LLP, Independent Registered Public Accounting Firm](plnjval_pwcconsent.htm)</u>. <br>(Note 1) |
| | (ii) | <u>[Powers of Attorney: Markus Coombs, Elizabeth K. Dietrich, Alan M. Finkelstein, Scott E. Gaul, Bradley O. Harris, Salene Hitchcock-Gear,](plnj_poa.htm)</u>. (Note 1) |
| (o) | Omitted Financial Statements: | Omitted Financial Statements: |
|  |  | Not applicable. |
| (p) | Initial Capital Agreements: | Initial Capital Agreements: |
|  |  | Not applicable. |
| (q) | Redeemability Exemption: | Redeemability Exemption: |
|  | (i) | <u>[Memorandum describing Pruco Life Insurance Company of New Jersey's issuance, transfer, and redemption procedures for the Contracts pursuant to Rule 6e-2(b)(12)(ii) and method of computing cash adjustment upon exercise of right to exchange for fixed-benefit insurance pursuant to Rule 6e-2(b)(13)(v)(B)](plnjval30q.htm)</u>. (Note 1) |
| (r) | Form of Initial Summary Prospectuses: | Form of Initial Summary Prospectuses: |
|  |  | Not applicable. |

---

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

---

| | |
|:---|:---|
| (Note 1) | Filed herewith. |
| (Note 2) | Incorporated by reference to Post-Effective Amendment No. 37 to this Registration Statement, filed April 20, 2006 on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 3) | Incorporated by reference to Post-Effective Amendment No. 38 to this Registration Statement, filed April 13, 2007 on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 4) | Incorporated by reference to Post-Effective Amendment No. 40 to this Registration Statement, filed April 21, 2009 on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 5) | Incorporated by reference to Pre-Effective Amendment No. 1 to Form N-6, Registration No. 333-158637, filed December 3, 2009 on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 6) | Incorporated by reference to Post-Effective Amendment No. 42 to this Registration Statement, filed April 15, 2011 on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 7) | Incorporated by reference to Post-Effective Amendment No. 45 to this Registration Statement, filed April 12, 2013, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 8) | Incorporated by reference to Post-Effective Amendment No. 46 to this Registration Statement, filed April 11, 2014, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 9) | Incorporated by reference to Post-Effective Amendment No. 20 to Form Registration No. 333-112808, filed April 7, 2014, on behalf of the Pruco Life Variable Universal Account |
| (Note 10) | Incorporated by reference to Post-Effective Amendment No. 28 to Form Registration No. 333-112808, filed April 7, 2015, on behalf of the Pruco Life Variable Universal Account |
| (Note 11) | Incorporated by reference to Post-Effective Amendment No. 47 to this Registration Statement, filed April 10, 2015, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 12) | Incorporated by reference to Post-Effective Amendment No. 50 to this Registration Statement, filed April 11, 2018, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 13) | Incorporated by reference to Post-Effective Amendment No. 4 to Form N-6, Registration No. 333-117796, filed April 20, 2007, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 14) | Incorporated by reference to Post-Effective Amendment No. 5 to Form N-6, Registration No. 333-158637, filed April 12, 2013, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 15) | Incorporated by reference to Post-Effective Amendment No. 52 to Form N-6, Registration No. 002-89780, filed April 7, 2022, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 16) | Incorporated by reference to Post-Effective Amendment No. 53 to Form N-6, Registration No. 002-89780, filed April 6, 2023, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 17) | Incorporated by reference to Post-Effective Amendment No. 9 to Form N-6, Registration No. 333-229277, filed September 28. 2023, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |

---

------

**Item 31. Directors and Officers of Pruco Life of New Jersey Insurance Company**

The directors and officers of Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey"), listed with their principal occupations, are shown below.

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position and Offices with Pruco Life of New Jersey** |
| RESHMA V. ABRAHAM (Note 2) | Director and Vice President |
| MARKUS COOMBS (Note 2) | Vice President, Director, Chief Financial Officer, and Chief Accounting Officer |
| ALAN M. FINKELSTEIN (Note 3) | Director and Treasurer |
| KELLY FLORIO (Note 3) | Anti-Money Laundering Officer |
| SCOTT E. GAUL (Note 4) | Director, President, and Chief Executive Officer |
| BRADLEY O. HARRIS (Note 2) | Director |
| SALENE HITCHCOCK-GEAR (Note 2) | Director |
| DANIEL MCNULTY (Note 1) | Chief Compliance Officer |
| SCOTT G. PELKOLA (Note 5) | Chief Investment Officer and Vice President |
| MATTHEW H. SILVER (Note 2) | Chief Actuary and Senior Vice President  |
| JORDAN K. THOMSEN (Note 2) | Vice President and Corporate Counsel |
| AMY M. WOLTMAN (Note 3) | Vice President, Chief Legal Officer, and Secretary |
| (Note 1) 600 Office Center Drive, Fort Washington, PA 19034 |  |
| (Note 2) 213 Washington Street, Newark, NJ 07102 |  |
| (Note 3) 751 Broad Street, Newark, NJ 07102 |  |
| (Note 4) 1 Corporate Drive, Shelton, CT 06484 |  |
| (Note 5) 655 Broad Street, Newark, NJ 07102 |  |

---

**Item 32. Persons Controlled by or Under Common Control with the Depositor or the Registrant**

Pruco Life of New Jersey, a life insurance company organized under the laws of New Jersey, is a direct wholly owned subsidiary of Pruco Life. Pruco Life, a life insurance company organized under the laws of Arizona, is a direct wholly owned subsidiary of The Prudential Insurance Company of America and an indirect wholly owned subsidiary of Prudential Financial, Inc.

The subsidiaries of Prudential Financial, Inc. are listed under Exhibit 21.1 of the Annual Report on Form 10-K of Prudential Financial, Inc., Registration No. 001-16707, the text of which is hereby incorporated by reference.

**Item 33. Indemnification**

The Registrant, in connection with certain affiliates, maintains various insurance coverages under which the underwriter and certain affiliated persons may be insured against liability, which may be incurred in such capacity, subject to the terms, conditions, and exclusions of the insurance policies.

New Jersey, being the state or organization of Pruco Life of New Jersey, permits entities organized under its jurisdiction to indemnify directors and officers with certain limitations. The relevant provisions of New Jersey law permitting indemnification can be found in Section 14A:3-5 of the New Jersey Statutes Annotated. The text of Pruco Life of New Jersey's By-law, Article V, which relates to indemnification of officers and directors, was filed on April 21, 2009 as exhibit Item 26. (f)(iii) to Form N-6 of this Registration Statement on behalf of the Pruco Life of New Jersey Variable Appreciable Account.

Insofar as indemnification for liabilities arising under the Securities Act of 1933 (the "Act") may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy

------

as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

**Item 34. Principal Underwriters**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a) Other Activity:**

Pruco Securities, LLC ("Pruco Securities"), an indirect wholly owned subsidiary of Prudential Financial, Inc., acts as the Registrant's principal underwriter of the Contract. Pruco Securities, organized as an LLC on September 22, 2003, under New Jersey law, is registered as a broker-dealer under the Securities Exchange Act of 1934 and is a registered member of the Financial Industry Regulatory Authority, Inc. ("FINRA"). (Pruco Securities is a successor company to Pruco Securities Corporation, established on February 22, 1971.) Pruco Securities' principal business address is 751 Broad Street, Newark, New Jersey 07102.

Pruco Securities acts as principal underwriter and general distributor for the following separate investment accounts and their affiliates:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life Variable Universal Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life Variable Insurance Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life PRUvider Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life of New Jersey Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life of New Jersey Variable Insurance Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Prudential Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL I of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL II of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account One of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account Five of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL I of Talcott Resolution Life & Annuity Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL II of Talcott Resolution Life & Annuity Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account Five of Talcott Resolution Life & Annuity Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Union Security Insurance Company Variable Account C

The Contract is sold by registered representatives of broker-dealers who are also authorized by state insurance departments to do so.

------

**(b) Management:**

---

| | |
|:---|:---|
| **Managers And Officers Of Pruco Securities, LLC** | **Managers And Officers Of Pruco Securities, LLC** |
| **Name and Principal Business Address** | **Position and Office with Pruco Securities** |
| Susan B. Agnew (Note 1) | Assistant Secretary |
| John M. Cafiero (Note 2) | Assistant Secretary |
| David Camuzo (Note 1) | Secretary |
| Susanna Davi (Note 2) | Assistant Treasurer |
| Scott E. Depew (Note 1) | Manager |
| Dexter M. Feliciano (Note 1) | Manager and President |
| Anthony M. Fontano (Note 1) | Vice President and Manager |
| Jennifer H. Gascho (Note 2) | Assistant Controller |
| Patrick L. Hynes (Note 1) | Manager and Chairman |
| Tiffany Khan (Note 2) | Anti-Money Laundering Officer |
| Victor Kong (Note 2) | Assistant Controller |
| Shane T. McGrath (Note 3) | Chief Compliance Officer |
| Juzer Mohammedshah (Note 1) | Treasurer |
| Janette M. Niland (Note 2) | Assistant Treasurer |
| Maggie Palen (Note 2) | Assistant Secretary |
| Robert P. Smit (Note 2) | Vice President, Controller, Chief Financial Officer, Principal Financial Officer, and Principal Operations Officer |
| Jordan K. Thomsen (Note 1) | Assistant Secretary and Chief Legal Officer |
| Dianne Trinkle (Note 2) | Assistant Controller |
| (Note 1) 213 Washington Street, Newark, NJ 07102 |  |
| (Note 2) 751 Broad Street, Newark, NJ 07102 |  |
| (Note 3) 1 Corporate Drive, Shelton CT 06484 |  |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c) Compensation From the Registrant:**

Pruco Securities passes through the gross distribution revenue it receives to broker-dealers for their sales and does not retain any portion of it in return for its services as distributor for the Contracts. However, under a strategic relationship with an unaffiliated broker-dealer, Pruco Securities receives a portion of compensation with respect to sales of its

------

variable life insurance products. Pruco Securities retained compensation of $0 in 2025, 4,278,834 in 2024, and $4,084,003 in 2023.

The sum of the chart below is $425,244,693, which represents Pruco Securities' total 2025 Variable Life Distribution Revenue. The amount includes both agency distribution and broker-dealer distribution.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** |
| Name of Principal Underwriter | Net Underwriting Discounts and Commissions\* | Compensation on Redemption | Brokerage Commission\*\* | Other Compensation |
| Pruco Securities | $133182 | $0 | $425111512 | $0 |

---

\* Represents Variable Life Distribution Revenue for the agency channel.

\*\* Represents Variable Life Distribution Revenue for the broker-dealer channel.

**Item 35. Location Of Accounts And Records**

Provided in most recent report on Form N-CEN.

**Item 36. Management Services**

Not Applicable.

**Item 37. Fee Representation**

Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey") represents that the fees and charges deducted under the Variable Appreciable Life Insurance Contracts registered by this registration statement, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by Pruco Life of New Jersey.

------

**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets all of the requirements for effectiveness of this registration statement under rule 485(b) under the Securities Act and has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Newark, and State of New Jersey on this 9th day of April, 2026.

---

| |
|:---|
| **Pruco Life of New Jersey Variable Appreciable Account** |
| (Registrant) |
| By: **Pruco Life Insurance Company of New Jersey** |
| (Depositor) |
| By: <u>/s/ \*</u> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scott E. Gaul<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director, President, and Chief Executive Officer |
| By: <u>/s/ \*</u> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scott E. Gaul<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director, President, and Chief Executive Officer |
| By: <u>/s/ \*</u> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scott E. Gaul<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director, President, and Chief Executive Officer |
| **Pruco Life Insurance Company of New Jersey** |
| (Depositor) |
| By: <u>/s/ \*</u> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scott E. Gaul<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director, President, and Chief Executive Officer |
| By: <u>/s/ \*</u> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scott E. Gaul<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director, President, and Chief Executive Officer |
| By: <u>/s/ \*</u> <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Scott E. Gaul<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director, President, and Chief Executive Officer |

---

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below by the following persons in the capacities indicated on this 9th day of April, 2026.

---

| | | |
|:---|:---|:---|
| **<u>Signature and Title</u>** | | |
| /s/ \* |  |  |
| Reshma V. Abraham |  |  |
| Director and Vice President |  |  |
| /s/ \* |  |  |
| Markus Coombs |  |  |
| Director, Vice President, Chief Financial Officer, and Chief Accounting Officer |  |  |
| /s/ \* |  |  |
| Alan M. Finkelstein |  |  |
| Director and Treasurer |  |  |
|  | By: | /s/ Christopher J. Madin |
| /s/ \* |  | Christopher J. Madin |
| Scott E. Gaul |  | (Attorney-in-Fact) |
| Director, President, and Chief Executive Officer |  |  |
| /s/ \* |  |  |
| Bradley O. Harris |  |  |
| Director |  |  |
| /s/ \* |  |  |
| Salene Hitchcock-Gear |  |  |
| Director |  |  |

---

\*Executed by Christopher J. Madin on behalf of those indicated pursuant to Power of Attorney.

## Ex-99.K

**Exhibit 30(k)**

Pruco Life Insurance Company of New Jersey

280 Trumbull Street

Hartford, CT 06103

Ladies and Gentlemen:

In my capacity as Vice President and Corporate Counsel of Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey"), I have reviewed the establishment on January 13, 1984, of Pruco Life of New Jersey Variable Appreciable Account (the "Account") by the Executive Committee of the Board of Directors of Pruco Life of New Jersey as a separate account for assets applicable to certain variable universal life insurance contracts, pursuant to the provisions of Section 17B:28-7 of the Revised Statutes of New Jersey. I am responsible for oversight of the preparation and review of the Registration Statements on Form N-6, as amended, filed by Pruco Life of New Jersey with the Securities and Exchange Commission (Registration Numbers: 002-89780, 333-49334, 333-112809, 333-229277, 333-225954, 333-252986, 333-215543, 333-237296, 333-286564, 333-289933) under the Securities Act of 1933 for the registration of certain variable universal life insurance contracts issued with respect to the Account.

I am of the following opinion:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;&nbsp;Pruco Life of New Jersey was duly organized under the laws of New Jersey and is a validly existing corporation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;&nbsp;&nbsp;&nbsp;The Account has been duly created and is validly existing as a separate account pursuant to the aforesaid provisions of New Jersey law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;&nbsp;&nbsp;&nbsp;The portion of the assets held in the Account equal to the reserve and other liabilities for variable benefits under the variable universal life insurance contracts is not chargeable with liabilities arising out of any other business Pruco Life of New Jersey may conduct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4)&nbsp;&nbsp;&nbsp;&nbsp;The variable universal life insurance contracts are legal and binding obligations of Pruco Life of New Jersey in accordance with their terms.

In arriving at the foregoing opinion, I have made such examination of law and examined such records and other documents as I judged to be necessary or appropriate.

I hereby consent to the filing of this opinion as an exhibit to the Registration Statement.

Very truly yours,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| /s/ Christopher J. Madin | 4/9/2026 |
| Christopher J. Madin | Date |
| Vice President and Corporate Counsel | |

---

## Ex-99.N

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in this Post-Effective Amendment No. 57 to the Registration Statement on Form N-6 (No. 002-89780) (the "Registration Statement") of our report dated March 6, 2026 relating to the financial statements of Pruco Life Insurance Company of New Jersey and consent to the incorporation by reference in the Registration Statement of our report dated April 9, 2026 relating to the financial statements of each of the subaccounts of Pruco Life of New Jersey Variable Appreciable Account indicated in our report. We also consent to the reference to us under the heading "Experts" in such Registration Statement.

/s/ PricewaterhouseCoopers LLP

New York, New York

April 9, 2026

## Ex-99.N

**<u>POWER OF ATTORNEY</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL PERSONS BY THESE PRESENTS that the person whose signature appears below, being a director or officer of Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey"), constitutes and appoints **Michael A. Pignatella, Christopher J. Madin, Jacob Manzoor, and Boa Chau Ruland**, and each of them severally, his or her true and lawful attorney-in-fact with power of substitution and resubstitution to sign in his or her name, place and stead, in any and all capacities, and to do any and all things and execute any and all instruments that such attorneys-in-fact may deem necessary or advisable under any rules, regulations and requirements of the U.S. Securities and Exchange Commission, in connection with where applicable: Registration statements of the appropriate forms prescribed by the Securities and Exchange Commission, and any other periodic documents and reports required under the Investment Company Act of 1940, as amended, the Securities Act of 1933, as amended, the Securities Exchange Act of 1934, as amended, and all amendments thereto executed on behalf of Pruco Life of New Jersey filed with the Securities and Exchange Commission for the Registrations listed on Schedule A.

IN WITNESS WHEREOF, I have hereunto set my hand this 23<sup>rd</sup> day of February 2026.

---

| |
|:---|
| <u>/s/ Reshma V. Abraham</u><br>Reshma V. Abraham<br>Director and Vice President  |
| <u>/s/ Markus Coombs</u><br>Markus Coombs<br>Director, Chief Financial Officer and Chief Accounting Officer and Vice President |
| <u>/s/ Scott E. Gaul</u><br>Scott E. Gaul<br>Director, President and Chief Executive Officer |
| <u>/s/ Bradley O. Harris</u><br>Bradley O. Harris<br>Director |

---

IN WITNESS WHEREOF, I have hereunto set my hand this 3<sup>rd</sup> day of March 2026.

<u>/s/ Salene Hitchcock-Gear</u><br>Salene Hitchcock-Gear<br>Director<br>

IN WITNESS WHEREOF, I have hereunto set my hand this 4<sup>th</sup> day of March 2026.

<u>/s/ Alan M. Finkelstein</u><br>Alan M. Finkelstein<br>Director and Treasurer<br>

------

**<u>Schedule A</u>**.

The Pruco Life of New Jersey Variable Appreciable Account (Reg. No. 811-03974) and flexible premium variable life insurance contracts (Reg. No. 002-89780, Reg. No. 333-94115, Reg. No. 333-49334, Reg. No. 033-57186, Reg. No. 333-85117, Reg. No. 333-100058, Reg. No. 333-117796, Reg. No. 333-112809, Reg. No. 333-158637, Reg. No. 333-205093, Reg. No. 333-215543, Reg. No. 333-225954, Reg. No. 333-237296, Reg. No. 333-229277, Reg. No. 333-252986, Reg. No. 333-286564, and Reg. No. 333-289933), to the extent they represent participating interests in said Account;

The Pruco Life of New Jersey Variable Insurance Account (Reg. No. 811-03646) and scheduled premium variable life insurance contracts (Reg. No. 002-81243 and Reg. No. 333-253930), to the extent they represent participating interests in said Account.

## Ex-99.Q

Exhibit 30 (q)

**Description of Pruco Life of New Jersey's Issuance, Increases in or Addition of Insurance Benefits, Transfer and Redemption Procedures for Variable Appreciable Life® Contracts**

**Pursuant to Rule 6e-3(T)(b)(12)(iii)**

**and**

**Method of Computing Adjustments in Payments and Cash Surrender Values Upon Conversion to Fixed Benefit Policies**

**Pursuant to Rule 6e-3(T)(b)(13)(v)(B)** 

This document sets forth the administrative procedures that will be followed by Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey") in connection with the issuance of its Variable Appreciable Life Insurance Contract ("Contract"), the transfer of assets held thereunder, and the redemption by Contract Owners of their interests in said Contracts. The document also explains the method that Pruco Life of New Jersey will follow in making a cash adjustment when a Contract is exchanged for a fixed benefit insurance policy pursuant to Rule 6e-2(b)(13)(v)(B).

I. **<u>Procedures Relating to Issuance and Purchase of the Contracts and to the Increase in or Addition of Benefits</u>**

A. <u>Premium Schedules and Underwriting Standards</u>

Scheduled Premiums on the Contract are payable during the insured's lifetime on an annual, semi-annual, quarterly or monthly basis on due dates set forth in the Contract. If you pay premiums more often than annually, the aggregate annual premium will be higher to compensate us both for the additional processing costs and for the loss of interest (computed generally at an annual rate of 8%) incurred because premiums are paid throughout rather than at the beginning of each Contract Year. The premium amount depends on the Contract's initial Death Benefit and the insured's age at issue, sex (except where unisex rates apply), and risk classification. If you pay premiums other than on a monthly basis, you will receive a notice that a premium is due about three weeks before each due date. If you pay premiums monthly, we will send to you each year a book with 12 coupons that will serve as a reminder. You may change the frequency of premium payments with our consent.

Each Contract sets forth two premium amounts. The initial premium amount is payable on the Contract Date (the date the Contract was issued, as noted in each individual Contract) and on each subsequent due date until the Contract's anniversary immediately following the insured's 65th birthday (or until the Contract's tenth anniversary, if that is later). The second and higher premium amount set forth in the Contract is payable on and after that anniversary (the "premium change date"). However, if the amount invested under the Contract, net of any excess premiums, is higher than it would have been had only Scheduled Premiums been paid, had maximum Contractual charges been deducted, and had only an average net rate of return of 4% been earned, then the second premium amount will be lower than the maximum amount stated in the Contract. We will tell you what the amount of your second premium will be.

This Contract permits you to pay greater than Scheduled Premiums. You may make unscheduled premium payments occasionally or on a periodic basis. If you wish, you may select a higher contemplated premium than the Scheduled Premium. We will then bill you for the chosen premium. In general, the regular payment of higher premiums will result in higher Cash Surrender Values and, at least under Form B, in higher Death Benefits.

Conversely, a Scheduled Premium does not need to be made if the Contract Fund is large enough to enable the charges due under the Contract to be made without causing the Contract to lapse. The payment of premiums in excess of Scheduled Premiums may cause the Contract to become a Modified Endowment Contract for federal income tax purposes. If this happens, loans and other distributions, which would otherwise not be taxable events, may be subject to federal income taxation.

<br>The underwriting standards and premium processing practices followed by Pruco Life of New Jersey are similar to those followed in connection with the offer and sale of fixed-benefit life insurance, modified where necessary to meet the requirements of the federal securities laws.

<u>B. Application and Initial Premium Processing</u>

Upon receipt of a request for life insurance from a prospective Contract Owner, Prudential will follow certain insurance underwriting (i.e., evaluation of risk) procedures designed to determine whether the proposed insured is insurable. The process may involve such verification procedures as medical examinations and may require that further information be provided by the proposed insured before a determination can be made. A Contract cannot be issued, (i.e., physically issued through Pruco Life's computerized issue system) until this underwriting procedure has been completed.

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Since a Contract cannot be issued until after the underwriting process has been completed, we use a Limited Insurance Agreement to provide temporary life insurance coverage to prospective Contract Owners who pay the minimum initial premium at the time the request for coverage is submitted. This coverage is for the total Death Benefit applied for, up to the maximum described by the Limited Insurance Agreement, and is subject to the other terms of the Limited Insurance Agreement.

The Contract Date is the date specified in the Contract. This date is used to determine the insurance age of the proposed insured. It represents the first day of the Contract Year and therefore determines the Contract Anniversary and Monthly Dates. It also represents the commencement of the suicide and contestable periods for purposes of the Basic Insurance Amount.

If the minimum initial premium is paid with the application and no medical examination is required, the Contract Date will ordinarily be the date of the application. If a delay is encountered (e.g., if a request for further information is not met promptly), generally, the Contract Date will be 21 days prior to the date on which the Contract is physically issued. If a medical examination is required, the Contract Date will ordinarily be the date the examination is completed, subject to the same qualification as that noted above.

If the premium paid with the application is less than the minimum initial premium, the Contract Date will be determined as described above. The balance of the minimum initial premium amount will be applied as of the later of the Contract Date and the date premiums were received.

If no premium is paid with the application, the Contract Date will be the Contract Date stated in the Contract, which will generally be the date the minimum initial premium is received from the Contract Owner and the Contract is delivered.

To facilitate administration, Contracts will generally not be given a Contract Date of the 29th, 30th or 31st of any month.

There is one principal variation from the foregoing procedure. If permitted by the insurance laws of the state in which the Contract is issued, the Contract may be backdated up to six months.

In situations where the Contract Date precedes the date that the minimum initial premium is received, charges due prior to the initial premium receipt date will be deducted from the net initial premium.

Pruco Life of New Jersey will transfer the appropriate amounts to the selected investment option(s) on the date the Contract is approved unless, as noted above, the Contract Owner selects a period of preliminary term insurance in which case the invested portion of the first scheduled premium will be transferred to the selected investment option(s) on the Contract Date. The variable benefits under all Contracts will be calculated on the assumption that the invested portion of the first scheduled premium was transferred to the Selected investment option(s) on the Contract Date. Any portion of the first premium payment in excess of the first scheduled premium will be credited (after deduction of up to 7-1/2% thereof) as of the date of receipt. If the first premium is received before the Contract Date, the entire invested portion will be credited as of the Contract Date.

C. <u>Premium Processing</u>

Whenever a premium after the first is received, unless the Contract is in default past its days of grace, we will subtract the front-end deductions from the initial premium. The remainder of the initial premium will be allocated among the selected variable investment option(s) or the fixed rate option according to the allocations specified in the application form on the date of receipt in Good Order at the Payment Office (or, if that is not a business day, on the next business day), but not earlier than the Contract date. There is an exception if the Contract is in default within its days of grace. Then to the extent necessary to end the default, premiums will be credited as of the date of the default or the Monthly Date after default, and premiums greater than this amount will be credited when received. The Contract provides a grace period of 61 days from the date Pruco Life of New Jersey mails the Contract Owner a notice of default. As an administrative practice, Pruco Life of New Jersey extends the grace period by seven days to minimize manual processing required when premium payments are processed shortly after the 61st day.

The Contract has a Right to Cancel Contract provision, which gives Contract Owners the right to cancel the Contract within ten days of its delivery (or longer if required by state regulation). If the purchase of this Contract is a replacement under state law, this duration will be extended to a period required by such law.

D. <u>Reinstatement</u>

The Contract may be reinstated within three years after the date of default (this period will be longer if required by state law) unless the Contract has been surrendered for its Cash Surrender Value. A Contract will be reinstated upon our receipt of a written request for reinstatement, production of evidence of insurability satisfactory to Pruco Life of New Jersey and payment after front-end charges of at least the amount required to bring the premium account up to zero on the first monthly date on which a scheduled premium is due after the date of reinstatement. The premium account is the sum of the premiums paid, with interest at 4%, less the sum of the scheduled premiums due, with interest at the same rate. It is a measure of whether, on a time-weighted basis, the

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Contract Owner has paid enough premiums to keep the Contract with its minimum death benefit guarantee in effect. The Contract cannot go into default if the premium account is above zero.

Pruco Life of New Jersey will treat the amount paid upon reinstatement as a premium. It will deduct $2, plus up to 7.5% of the remaining payment, plus any charges with interest for any extra benefits, plus any other expense charges with interest. The Contract Fund of the reinstated Contract will, immediately upon reinstatement, be equal to this net premium payment, plus the Cash Surrender Value of the Contract immediately before reinstatement, plus a refund of that part of the deferred sales and administrative charges which would be charged if the Contract were surrendered immediately after reinstatement. This last addition to the Contract Fund is designed to avoid duplicative surrender charges. The original Contract Date still controls for purposes of calculating any contingent deferred sales and administrative charges.

The reinstatement will take effect the date Pruco Life of New Jersey approves the request for reinstatement.

E. <u>Repayment of Loan</u>

A loan made under the Contract may be repaid with an amount equal to the monies borrowed plus interest which accrues daily, either at a fixed annual rate of 5.5% or, if a Contract Owner has elected to have a variable loan interest rate applicable to loans made under the Contract, at the variable loan interest rate then applicable to the loan. The Contract Owner may switch from the fixed to variable interest loan provision, or vice-versa with our consent.

When a loan is made, an amount equal to the loan proceeds is transferred out of the applicable investment options. Under the fixed rate Contract loan provision, the amount of Contract Fund attributable to the outstanding Contract loan will be credited with interest at an annual rate of 4%, and Pruco Life of New Jersey thus will realize the difference between that rate and the fixed loan interest rate, which will be used to cover the loan investment expenses, income taxes, if any, and processing costs. If so desired, the Contract Owner may elect to have a variable loan interest rate apply to the Contract loans, if any, that he or she may make. If this election is made:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.Interest on the loan will accrue daily at an annual rate we determine at the start of each Contract year (instead of at the fixed rate of 5.5%). This interest rate will not exceed the greatest of (1) the "Published Monthly Average" for the calendar month ending two months before the calendar month of the Contract anniversary; (2) 5%; and (3) the rate permitted by law in the state of issue of the Contract. The "Published Monthly Average" means Moody's Corporate Bond Yield Average - Monthly Average Corporate, as published by Moody's Investors Service, Inc. or any successor to that service, or if that average is no longer published, a substantially similar average established by the insurance regulator where the Contract is issued.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. While a loan is outstanding, the amount that was transferred is credited with a rate, which is less than the loan interest rate for the Contract year by no more than 1.5% rather than with the actual rate of return of the investment options. Currently, we credit such amounts at a rate that is 1% less than the loan interest rate for the Contract year. If the loan remains outstanding at a time when we fixed a new rate, the new interest rate applies.

Upon repayment of Contract debt, the payment will be added to the investment option(s) and allocated among the variable investment option(s) in proportion to the amounts in each variable investment option attributable to the Contract as of the date of repayment.

F.&nbsp;&nbsp;&nbsp;&nbsp;<u>Addition of Insurance Benefits</u>

After the first Contract Anniversary, Pruco Life of New Jersey permits Contract Owners to increase the amount of insurance by increasing the Face Amount of the Contract. The increase will be subject to state approval and the underwriting requirements we determine. No riders may be added after issue.

**II. <u>Transfers</u>**

The Pruco Life of New Jersey Variable Appreciable Account (the "Account") has Variable Investment Options, each of which is invested in shares of a corresponding portfolio of the Funds. The Funds are registered under the 1940 Act as open-end diversified management investment companies. In addition, a Fixed Rate Option is available.

Provided the Contract is not in default or is in force as variable reduced paid-up insurance, the Contract Owner may, up to four times in each Contract year, transfer amounts among the Variable Investment Options or to the Fixed Rate Option without charge. All or a portion of the amount credited to a variable investment option may be transferred.

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In addition, the entire amount of the Contract Fund may be transferred to the fixed rate option at any time during the first two Contract years. A Contract Owner who wishes to convert his or her variable Contract to a fixed benefit Contract in this manner must request a complete transfer of funds to the fixed rate option and should also change his or her allocation instructions regarding any future premiums.

Transfers among Variable Investment Options will take effect at the end of the valuation period in which a proper transfer request is received in Good Order at a Service Office. The request may be in terms of dollars, such as a request to transfer $5,000 from one Variable Investment Option to another, or may be in terms of a percentage reallocation among Variable Investment Options. In the latter case, as with premium reallocations, the percentages must be in whole numbers.

Transfers from the fixed rate option to other investment options are currently permitted once each Contract year and only during the thirty-day period beginning on the Contract anniversary. The maximum amount which may currently be transferred out of the fixed rate option each year is the greater of: (a) 25% of the amount in the fixed rate option, and (b) $2,000. Such transfer requests received prior to the Contract anniversary will be effected on the Contract anniversary. Transfer requests received within the thirty-day period beginning on the Contract anniversary will be effected as of the end of the valuation period which the request is received. These limits are subject to change in the future.

**III. <u>"Redemption" Procedures: Surrender and Related Transactions</u>**

A. <u>Surrender for Cash Surrender Value</u>

The Contract Owner may surrender the Contract, in whole or in part for its Cash Surrender Value or a reduced paid-up insurance benefit while the Insured is living. To surrender a Contract, Pruco Life of New Jersey may require the Contract Owner to deliver or mail the following items in Good Order to a Service Office; the Contract, a signed request for surrender, and any tax withholding information required under federal or state law. Generally, Pruco Life of New Jersey will pay your Contract's Cash Surrender Value within seven days after all the documents required for such payment are received in Good Order at a Service Office. Surrender of all or part of a Contract may have tax consequences.

Pruco Life of New Jersey reserves the right to postpone paying that part of the Cash Surrender Value that is to come from any variable investment option (provided by a separate account registered under the Investment Company Act of 1940) if: (1) the New York Stock Exchange is closed; or (2) the Securities and Exchange Commission ("SEC") requires that trading be restricted or declares an emergency. The payment of any Cash Surrender Value attributable to the fixed-rate option may be delayed up to six months. If we do so for more than 30 days, Pruco Life of New Jersey will pay interest at the rate of 3% a year (or as required by applicable law).

The Cash Surrender Value will be determined as of the end of the valuation period in which a surrender request is received in Good Order at a Service Office. The Contract's cash surrender value is computed as follows:

1. If the Contract is not in default: The net cash value or Cash Surrender Value at any time in the first 10 Contract years is the Contract Fund, minus a surrender charge, consisting of a deferred sales charge and a deferred administrative charge, minus Contract debt. The net cash value on surrender at the end of the 10th Contract year or later is the Contract Fund minus Contract debt.

In no event will the deferred sales charge upon the surrender be greater than 25% of scheduled premiums due in Contract year one, plus 5% of the scheduled premiums due in Contract years two through five. For the purpose of computing this limit Pruco Life of New Jersey uses the lesser of premiums due and premiums paid. For this purpose scheduled premium means what an Insured in the non-smoker rating class would pay if the Contract had no extra benefits. The maximum deferred sales charge in Contract years six through 10 is the maximum charge at the end of the fifth Contract year, reduced for persistency as explained in the prospectus and each Contract. The deferred administrative charge is $5 per $1000 of face amount for surrenders in Contract years one through five; this charge is reduced by 1/60 for each completed month since the fifth Contract anniversary. After 10 full Contract years the deferred sales charge and the deferred administrative charge are zero. The deferred administrative charge is designed to recover, as far as possible, the administrative expenses, such as underwriting expenses, incurred in connection with issuance of a Contract. As a result, in the early months after issue, there may be no net cash value if only scheduled premiums are paid.

For a paid-up Contract that includes extra benefits, the Cash Surrender Value is the amount described above, plus the cash value of any extra benefits, which are paid from the general account.

2. If the Contract is in default during its days of grace, Pruco Life of New Jersey will compute the net cash value as of the date the Contract went into default. It will adjust this value for any loan the Contract Owner took out or paid back or premium payments or withdrawals made in the days of grace.

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3. If the Contract is in default beyond its days of grace, the net cash value as of any date will be either the value on the date of any extended insurance benefit then in force, or the value on that date of any variable reduced paid-up insurance benefit then in force, less any Contract debt.

In lieu of the payment of the net cash value in a single sum upon surrender of a Contract, an election may be made by the Contract Owner to apply all or a portion of the proceeds under one of the fixed benefit settlement options described in the Contract or, with the approval of Pruco Life of New Jersey, a combination of options. An option is available only if the proceeds to be applied are $1,000 or more or would result in periodic payments of at least $20.00. The fixed benefit settlement options are subject to the restrictions and limitations set forth in the Contract.

B. <u>Partial Surrenders and Withdrawal of Excess Cash Surrender Value</u>

A Contract Owner may surrender a Contract in part. Partial surrender involves splitting the Contract into two Contracts. One is surrendered for its Cash Surrender Value; the other is continued in force on the same terms as the original Contract except that future scheduled premiums are reduced based upon the continued Contract's face amount and all values under the Contract are proportionately reduced based upon the reduction in the face amount of insurance. The Contract continued must have a face amount of insurance of at least $50,000. An alternative to surrender or partial surrender of a Contract, available only before such Contracts become paid-up, is a partial withdrawal of Cash Surrender Value without splitting the Contract into two Contracts. A partial withdrawal may be made only if the following conditions are satisfied. First, the amount withdrawn, plus the net cash value after withdrawal, may not be more than the net cash value before withdrawal. Second, the Contract Fund after withdrawal must not be less than the amount that will grow to the Tabular Contract Fund as of the next Monthly Date, assuming no premium payments, no withdrawals, no loan or repayments of loan, a net investment return in the investment options equal to the assumed rate of return of 4%, and the deduction of all Contract charges. Third, the amount withdrawn must be at least $500 under a Form B Contract and at least $2000 under a Form A Contract. A Contract Owner may make no more than four such withdrawals in a Contract year, and there is a fee of $15 for each such withdrawal. An amount withdrawn may not be repaid except as a scheduled or unscheduled premium subject to the Contract charges.

Whenever a withdrawal is made, the Death Benefit payable will immediately be reduced by at least the amount of the withdrawal. This will not change the Basic Insurance Amount (minimum face amount specified in the Contract) under a Type B (variable) Contract. However, under a Type A (fixed) Contract, the withdrawal may require a reduction in the Basic Insurance Amount. If a decrease in Basic Insurance Amount reduces coverage to below the surrender charge threshold, a surrender charge may be deducted. No withdrawal will be permitted under a Type A (fixed) Contract if it would result in a Basic Insurance Amount less than the minimum Basic Insurance Amount.

The Contract Fund is reduced by the sum of the cash withdrawn, any surrender charge resulting from the withdrawal, and any fee for the withdrawal. An amount equal to the reduction in the Contract Fund will be withdrawn from the investment options.

Generally, we will pay any withdrawal amount within seven days after all the documents required for such payment, are received in Good Order at a Service Office.

C. <u>Death Claims</u>

Pruco Life of New Jersey will pay a death benefit to the beneficiary at the Insured's death if the Contract is in force at the time of death. The proceeds will be paid within seven days after receipt at Pruco Life of New Jersey Service Office of due proof of death of the Insured and all other requirements necessary to make payment. State insurance laws impose various requirements, such as receipt of a tax waiver, before payment of the death benefit may be made.

Pruco Life of New Jersey reserves the right to postpone payment of that part of the proceeds that is to come from any variable investment option (provided by a separate account registered under the Investment Company Act of 1940) if: (1) the New York Stock Exchange is closed; or (2) the SEC requires that trading be restricted or declares an emergency. Pruco Life of New Jersey reserves the right to postpone paying the remainder for up to six months.

In addition, payment of the death benefit is subject to the provisions of the Contract regarding suicide and incontestability. In the event Pruco Life of New Jersey should contest the validity of a death claim, an amount up to the Contract's investment base will be withdrawn, if appropriate, and held in Pruco Life of New Jersey's general account.

The following describes the death benefit if the Contract is not in default past its days of grace:

The death benefit under a Form A Contract is the face amount less Contract debt. The death benefit under a Form B Contract is the face amount, plus any excess of the Contract Fund over the Tabular Contract Fund, less any Contract debt. There may be an

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additional amount payable from an extra benefit added to the Contract by rider. Tabular Contract Funds on Contract anniversaries are shown in the contract data pages. Tabular Contract Funds at other times can be obtained by interpolation.

If the Contract Fund less the present value of all future charges for any extra benefits of either a Form A or a Form B Contract grows to exceed the net single premium at the Insured's attained age for the death benefit described above, the death benefit will be the Contract Fund, divided by such net single premium. The death benefit will be adjusted for any Contract debt and any extra benefits.

The proceeds payable on death also will include interest (at a rate determined by Pruco Life of New Jersey from time to time) from the date that the death benefit is computed (the date of death) until the date of payment.

Pruco Life of New Jersey will make payment of the death benefit out of its general account, and will transfer assets, if appropriate, from the general account in an amount up to the Contract Fund.

In lieu of payment of the death benefit in a single lump sum check, an election may be made to apply all or a portion of the proceeds under one of the fixed benefit settlement options described in the Contract or, with the approval of Pruco Life of New Jersey, a combination of options. The election of any available death benefit option may be made by the Contract Owner during the Insured's lifetime, or, at death, by the beneficiary. A death benefit option in effect at death may not be changed to another form of death benefit after death. An option is available only if the proceeds to be applied are $1,000 or more or would result in periodic payments of at least $20.00. The fixed benefit settlement options are subject to the restrictions and limitations set forth in the Contract.

D. <u>Default and Options on Lapse</u>

The Contract is in default on any monthly date on which the premium account is less than zero and the Contract Fund is less than an amount, which will grow at the assumed net rate of return to the Tabular Contract Fund applicable on the next monthly date. Monthly dates occur on the Contract date and in each later month on the same day in the month as the Contract date. The Contract provides for a 61-day grace period, commencing with the mailing-date of the notice of default, in which to remedy the default. The insurance coverage continues in force during the grace period, but if the Insured dies during the grace period, any charges due during the grace period are deducted from the amount payable to the beneficiary. Except for Contracts issued on certain Insureds in high risk rating classes, a lapsed Contract will provide extended term insurance at expiration of the grace period. The death benefit of the extended term insurance is equal to the death benefit of the Contract (excluding riders) as of the date of default, less any Contract debt. The extended term insurance will continue for a length of time that depends on the net cash value on the date of default, the amount of insurance, and the age and sex of the Insured. However, extended term insurance may be exchanged, if the Contract Owner so elects, for variable reduced paid-up insurance within three months of the date of default. The face amount of the variable reduced paid-up insurance will depend on the net cash value on the date of default, and the age and sex of the Insured.

Contracts issued on the above-mentioned high risk Insureds will be converted to variable reduced paid-up whole-life insurance at expiration of the grace period.

During any period in which a Contract is in default, the Contract Owner may not change the way in which subsequent premiums are allocated or increase the amount of insurance by increasing the Basic Insurance Amount of the Contract.

E. <u>Loans</u>

The Contract provides that a Contract Owner, if the Contract is not in default beyond the grace period, may take out a loan at any time a loan value is available. The Contract Owner may borrow money on completion of a form satisfactory to Pruco Life of New Jersey. The Contract is the only security for the loan. Disbursement of the amount of the loan will be made within seven days of receipt of the form in Good Order at Pruco Life of New Jersey's Service Office. The investment options will be debited in the amount of the loan on the day the form is received. The percentage of the loan withdrawn from each investment option will be equal to the percentage of the value of such assets held in the investment option. A Contract Owner may borrow up to the Contract's full loan value. During the first Contract year, the loan value is zero. After the first Contract year, the loan value is 90% of the portion of cash value attributable to the variable investment options and 100% of the balance of the cash value less the portion of charges attributable to the fixed rate option that would be payable upon immediate surrender. The loan provisions have previously been described.

The Contract also provides for a loan value if the Contract is in effect under the Contract value option for variable reduced paid-up insurance, but not if it is in effect as extended term insurance.

A loan does not affect charges. When a loan is made, the Contract Fund is not reduced, but the value of the assets relating to the Contract held in the investment option(s) is reduced. Accordingly, the daily changes in the Cash Surrender Value will be different

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from what they would have been had no loan been taken. Cash Surrender Values, and possibly Death Benefits, are thus permanently affected by any Contract Debt, whether or not repaid.

The guaranteed minimum death benefit is not affected by Contract debt if premiums are duly paid. However, on settlement the amount of any Contract debt is subtracted from the insurance proceeds. If Contract debt ever becomes equal to or more than what the net cash value would be if there were no Contract debt, all the Contract's benefits will end 61 days after notice is mailed to the Contract Owner and any known assignee, unless repayment of an amount sufficient to end the default is made within that period.

**IV. <u>Cash Adjustment Upon Exchange of Contract</u>**

At any time during the first 24 months after a Contract is issued, so long as the Contract is not in default, the Contract Owner may exchange it for an Appreciable Life insurance policy on the Insured's life issued by Pruco Life of New Jersey. This is a general account, universal-life type policy with guaranteed minimum values. No evidence of insurability will be required to make an exchange. The new policy's premium and death benefit will be the same as the original Contract's on the date of exchange. The new policy will also have the same issue date and risk classification for the Insured as the original Contract. Any outstanding Contract debt must be repaid.

If the Contract Fund of the old Contract is at or above the Tabular Contract Fund, the Contract Fund of the new policy will be the same as that of the old one. If the Contract Fund of the old Contract is less than the Tabular Contract Fund, the difference must be paid in cash at the time of the exchange. Then the Contract Fund of the new policy will be the Tabular Contract Fund.

At the time of the exchange, Pruco Life of New Jersey will transfer assets, if appropriate, from the general account in an amount up to the applicable reserve.

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