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P-RID-RILA-ROP(7/22)-NY 1  PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, NEWARK, NEW JERSEY      RETURN OF PURCHASE PAYMENTS DEATH BENEFIT RIDER    ANNUITY NUMBER: [001-00001]    EFFECTIVE DATE: [September 1, 2022]    This Rider is made part of your Annuity.  For purposes of this Rider, certain provisions of your Annuity are  amended as described below.  If the terms of your Annuity and those of this Rider conflict, the provisions  of this Rider shall control.  Should this Rider terminate, any amended or replaced Annuity provisions  based on this Rider’s terms will revert to the provisions in the Annuity, except as may be provided below.      This Rider will terminate upon assignment or a change in ownership of your Annuity unless the  new assignee or Owner meets the qualifications specified in the Termination of this Rider and its  Benefits provision. This Rider may not be re-elected after it terminates. The benefit provided pursuant to  the terms of this Rider is a “Return of Purchase Payments Death Benefit."  This Rider should be read in  conjunction with any other Rider or Endorsement made a part of your Annuity.     Definitions:      Purchase Payment(s):  A cash consideration in the currency of the United States of America given to us  in exchange for the rights, privileges and benefits outlined in this Annuity reduced for any applicable fees,  charges or Tax Charges.    Withdrawals:  Withdrawals of any type (including Partial Withdrawals) before the application of any  Contingent Deferred Sales Charge or other charge applicable upon a Withdrawal.    Death Benefit: If we receive Due Proof of Death within the Due Proof of Death Period specified on the  Annuity Schedule, beginning on the decedent’s date of death, the Death Benefit of the Annuity equals the  greater of (a) and (b), where:    (a) is the “Return of Purchase Payments Amount” described below; and    (b) is the Account Value as described in the “Death Benefit” section of the Annuity.    If we do not receive Due Proof of Death within the Due Proof of Death Period specified on the Annuity  Schedule, beginning on the decedent’s date of death, the Death Benefit of the Annuity equals (b) above.   We reserve the right to waive or extend, on a non-discriminatory basis, our right to enforce the Due Proof  of Death period due to a natural disaster or terrorist act.  This right will only apply for purposes of  determining the amount payable as a Death Benefit, and in no way restricts when a claim may be filed.    Return of Purchase Payments Amount:  Initially, this is an amount equal to the initial Purchase  Payment on the Effective Date of this Rider.  Thereafter, on each Valuation Day, up to and including the  date we receive Due Proof of Death, the Return of Purchase Payments Amount is increased by the  amount of any additional Purchase Payments allocated to the Annuity on that day and reduced for any  Withdrawal(s) by the ratio of the Withdrawal amount to the Account Value immediately prior to the  Withdrawal.     Other Death Benefit Provisions:  The provisions applicable to the Death Benefit described in your  Annuity regarding eligibility, limits of applicability, methods of payment to Beneficiaries or any other  provision regarding the Death Benefit, other than the method of calculation of the Death Benefit, continue  to apply unless specifically indicated otherwise in this Rider. 

 

P-RID-RILA-ROP(7/22)-NY 2      Spousal Continuation:  If the Annuity is eligible for Spousal Continuation and Spousal Continuation  occurs, upon Spousal Continuation the Account Value is increased, if necessary, to equal the greater of  the (1) Return of Purchase Payments Amount and (2) the Death Benefit described in the Annuity. Any  increase to the Account Value resulting from such adjustment will be allocated to the Variable Sub- Accounts pro-rata or to the Holding Account if there is no Account Value in the Variable Sub-Accounts.      The spouse who continues the Annuity may transfer available Account Value to any of the Variable Sub- Accounts at any time or to a new Index Strategy on the next Index Anniversary Date.   Following Spousal Continuation, any subsequent Death Benefit will be equal to the Account Value.     Termination of this Rider and its Benefits:  Benefits pursuant to this Rider will terminate upon the first  to occur of the following events:    1) the date the Annuity’s Death Benefit is determined, unless the Annuity is eligible for Spousal  Continuation and Spousal Continuation is elected;    2) we process a request to change the Owner(s) (or Annuitant if entity owned) more than 60 days  after the Effective Date, resulting in a change in the person(s) upon whose death a Death Benefit  is determined, other than when the Annuity is jointly owned and one of the Owners remains the  Owner;    3) we process an assignment of the Annuity to which this Rider is made a part;    4) if there is any Account Value on the Annuity Date, or if earlier, the date we transfer any portion of  the Account Value in order to begin annuity payments;    5) the date we receive your request for full surrender;     6) if your Account Value reduces to zero;        PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY          [___________________________________]        Secretaryp-endxmrs7x22xny

P-END-RILA-MRS(7/22)-NY  1  PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, NEWARK, NEW JERSEY    MEDICALLY RELATED SURRENDER ENDORSEMENT    ANNUITY NUMBER: [001-00001]    EFFECTIVE DATE: [September 1, 2022]    This Endorsement is made a part of your Annuity.  If the terms of your Annuity and those of this  Endorsement conflict, the provisions of this Endorsement shall control.  The benefit provided pursuant to the  terms of this Endorsement is a “Medically Related Surrender Benefit” and is not intended to provide long- term care insurance or as an alternative to long-term care insurance.  There is no charge for the Medically  Related Surrender Benefit.    Definitions:    Contingency Event:  A “Contingency Event” occurs if an Owner (an Annuitant, if the Annuity is owned by  an entity) is:    a) first confined in a Medical Care Facility  while this Annuity is in force, remains confined for at least  90 consecutive days, and remains confined on the date we receive the Medically Related  Surrender Request in Good Order at our Service Office; or    b) first diagnosed as having a Terminal Illness  while this Annuity is in force.  We may require a  second or third medical opinion regarding such diagnosis, at our expense, by a Physician(s)  chosen by us.  We may request the third medical opinion of a physician acceptable to both  parties if the second opinion received conflicts with the first opinion.  In that event, we will be  guided by the third opinion in determining whether the Owner (the Annuitant if the Annuity is  owned by an entity) was first diagnosed as Terminally Ill while this Annuity is in force.    Terminal Illness:  A condition:  a) diagnosed by a Physician; and  b) is expected to result in death of the patient within 24 months after the diagnosis.    Immediate Family: Any person who is the spouse, son(s), daughter(s), mother or father of an Owner(s)  or the Annuitant(s).    Licensed Practical Nurse:  A person who is:  a) A professional nurse legally designated “LPN” who, where licensing is required, holds a valid  license according to the laws of the United States jurisdiction in which the nursing service is  performed and is acting within the scope of that license; and  b) not you, the Annuitant, or member of either your or the Annuitant’s Immediate Family.    The term licensed practical nurse (LPN) shall include a licensed vocational nurse (LVN) and any  other similarly designated nurse in those jurisdictions in which a professional nurse is designated as  other than an LPN and for whom licensing is required.    Medical Care Facility:  A facility operated and licensed pursuant to laws of any United States jurisdiction  providing medically necessary in-patient care, which is:  a) prescribed by a Physician in writing;  b)    recognized as a general hospital or long-term care facility by the proper authority of the United  States jurisdiction in which it is located;  c) recognized as a general hospital by the Joint Commission on the Accreditation of Hospitals; and  d) certified as a hospital or long-term care facility; or   e) a nursing home licensed by the United States jurisdiction in which it is located and offers the services  of a Registered Nurse (RN) or Licensed Practical Nurse (LPN) 24 hours a day that maintains control of  all prescribed medications dispensed and daily medical records.    Physician:  A person who is:  a) a professional physician who holds a valid license according to the laws of the United States  jurisdiction in which the medical service is performed and is acting within the scope of that  license; and  b) not you, the Annuitant ,or member of either your or the Annuitant’s Immediate Family.    

 

P-END-RILA-MRS(7/22)-NY  2  Registered Nurse:  A person who is:  a) a professional nurse legally designated “RN” who, where licensing is required, holds a valid  license according to the laws of the United States jurisdiction in which the nursing service is  performed and is acting within the scope of that license; and  b) not you, the Annuitant, or a member of either your or the Annuitant’s Immediate Family.    MEDICALLY RELATED SURRENDER    Upon the occurrence of a Contingency Event prior to the Annuity Date, you may submit a request to our  Service Office in Good Order to surrender all or part of your Annuity without application of any Contingent  Deferred Sales Charge.      If, as a result of your request for a partial withdrawal, the Surrender Value of your Annuity would be less  than the Minimum Surrender Value after a Partial Withdrawal shown in the Annuity Schedule, we reserve  the right to treat your request as a request for a full surrender.      All Owners (the Annuitant, if your Annuity is owned by an entity) must be alive as of the date we pay the  proceeds of such surrender request. This benefit is available subject to the Changing Designations  section of this Annuity prior to the occurrence of a Contingency Event.    This benefit is not available:   (i) if the Annuity has been assigned, or   (ii) on the portion, if any, of the amount of the Medically Related Surrender which, when added to the  aggregate amount of Medically Related Surrenders you have previously taken under this Annuity  and all other annuities issued to you by us or one of our affiliates, would exceed the Maximum  Medically Related Surrender Amount shown on the Annuity Schedule.      Additional Purchase Payments may not be made after a Medically Related Surrender has been approved.   Distributions under this Endorsement are subject to all reporting and withholding rules applicable to annuity  distributions.    When we receive your completed Medically Related Surrender Request form, in Good Order, we will process   the applicable surrender or withdrawal without assessing any Contingent Deferred Sales Charge.  If we  disapprove your request,  no applicable surrender or withdrawal request will be processed and we will notify  you of the disapproval and the ground(s) on which the disapproval was based. If you decide to process this  surrender or withdrawal after disapproval, we will process the applicable surrender or withdrawal with any  applicable Contingent Deferred Sales Charge assessed after you submit a new request in Good Order.    Maximum Medically Related Surrender Amount:  This amount is shown on the Annuity Schedule.     Termination of this Endorsement:  Termination of this Endorsement is subject to the following rules:    A. Termination due to Death:  This Endorsement terminates automatically as of the date the  Annuity’s Death Benefit is determined.  B. Termination on the Annuity Date:  This Endorsement terminates automatically as of the  Annuity Date.  C. Termination upon Surrender:  This Endorsement terminates upon surrender of the Annuity to  which it is made a part.    PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY          [______________________________]  SECRETARY

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