Pruco Life Insurance Company
RIDER TO PROVIDE LAPSE PROTECTION
On any monthly date, prior to the Benefit End Date shown on the rider data pages, and after the Limited No-Lapse Guarantee period (see Limited No-Lapse Guarantee), when the contract would otherwise be in default (see Default), the contract will remain in force until the next monthly date if the no-lapse guarantee value is greater than zero and there is no excess contract debt. If the no-lapse guarantee value is zero or less or there is excess contract debt, the contract is in default.
The no-lapse guarantee value, no-lapse contract fund, no-lapse charge for sales expenses, no-lapse cost of insurance, no-lapse net amount at risk, and no-lapse death benefit (described below) are reference values only and are not used in the determination of values and benefits under this contract. They are used only to determine if the contract is in default.
Charge For Rider Benefits
On each monthly date, we will deduct a charge for this rider from the contract fund. The monthly charge is determined by multiplying (1) the cost of insurance rate per $1,000 for this rider, and (2) the net amount at risk (see Contract Fund in your policy) divided by $1,000. The maximum cost of insurance for this rider is shown in the contract data pages.
No-Lapse Guarantee Value
The no-lapse guarantee value is equal to the no-lapse contract fund, less any contract debt. If the contract is reinstated, the amount of any existing contract debt on the date of default will not be included in the no-lapse contract fund. This rider cannot be reinstated after the Benefit End Date shown on the rider data pages.
No-Lapse Contract Fund
When you make your first premium payment, the no-lapse net premium amount, less any no-lapse charges due on or before that day, becomes your no-lapse contract fund. Beginning on the contract date, amounts are added to and subtracted from the no-lapse contract fund as shown under No-Lapse Adjustments to the No-Lapse Contract Fund.
No-Lapse Charge for Sales Expenses
We subtract a no-lapse charge for sales expenses from each premium paid. The premium allocation amounts and the initial and ultimate rates are shown in the No-Lapse Charge For Sales Expenses Rate Table. For any premium we receive in the 60-day period preceding a contract anniversary on which the initial or ultimate rates decrease, we will subtract a no-lapse charge for sales expenses no greater than the amount we would subtract if that premium were received on the contract anniversary.
To determine the amount deducted from each premium, we perform the following steps:
1. We determine any premium amount already paid during the current contract year. (This amount may be zero.)
2. We subtract the step 1 amount from the premium allocation amount on the date we receive your current premium. If the result is less than zero, we consider it to be zero.
3. If the current premium amount is less than or equal to the step 2 amount, the entire premium amount is multiplied by the initial rate to determine the no-lapse charge for sales expenses for that premium. If the current premium amount is greater than the step 2 amount, we (a) multiply the step 2 amount by the initial rate, and (b) multiply the difference between the submitted premium and the step 2 amount by the ultimate rate. The total of (a) and (b) is the no-lapse charge for sales expenses for that premium.
No-Lapse Cost of Insurance
On each monthly date, we will deduct a charge for the no-lapse cost of insurance from the no-lapse contract fund. To determine this charge, we use the following method:
We determine the no-lapse cost of insurance rate using the monthly rate shown under the Table of No-Lapse Monthly Insurance Rates per $1,000 of No-Lapse Net Amount at Risk for the appropriate contract year.
We multiply that rate by the no-lapse net amount at risk divided by $1,000 to compute the charge for the no-lapse cost of insurance.
No-Lapse Net Amount at Risk
The no-lapse net amount at risk is equal to the no-lapse death benefit minus the no-lapse contract fund.
No-Lapse Death Benefit
This contract has a Type A or Type B death benefit. We show the type of death benefit that applies to this contract under Type of Death Benefit.
If this contract has a Type A death benefit, the no-lapse death benefit is equal to the greater of (1) the basic insurance amount, and (2) the no-lapse contract fund before deduction of any no-lapse monthly charges due on that date, multiplied by the attained age factor that applies.
If this contract has a Type B death benefit, the no-lapse death benefit is equal to the greater of (1) the basic insurance amount plus the no-lapse contract fund before deduction of any no-lapse monthly charges due on that date, and (2) the no-lapse contract fund before deduction of any no-lapse monthly charges due on that date, multiplied by the attained age factor that applies.
Total Disability Benefit
This contract may have a rider for the payment of a net premium amount benefit upon the Insured's total disability. If it does, that benefit will be listed on a contract data page and a copy of the rider will be included in this contract. On each monthly date benefits are paid under that rider, we will credit the no-lapse contract fund with a no-lapse net premium amount equal to the total of the monthly deductions from the no-lapse contract fund on that monthly date.
Allocation Limitation
We reserve the right to initiate an allocation limitation on the contract date. While there is an allocation limitation, the payment allocations and maturing segment allocations available to you are restricted. If your policy has an allocation limitation, the allocation limitation end date and the available allocations will be shown in the contract data pages.
Termination
This rider will end on the earliest of:
1. The date we receive a written request from the owner to remove the rider;
2. the Benefit End Date shown on the rider data pages;
3. the end of the last day of the grace period if the contract is in default;
4. the date the contract is surrendered for its net cash value; and
5. the date the contract ends for any other reason.
This rider is attached to and made part of the contract on the contract date. The rider provisions apply in lieu of any policy provisions to the contrary.
Pruco Life Insurance Company,
By 
Secretary
PROCESSING DATE: [XXX XX, XXXX]
POLICY NO. [XX XXX XXX]
LAPSE PROTECTION RIDER DATA
Benefit End Date: [October 1, 2077]
No-Lapse Adjustments to Premium Payments
From each premium paid we will:
subtract a no-lapse administrative charge of [3%] of the premium paid.
subtract a no-lapse charge for sales expenses as described under No-Lapse Charge for Sales Expenses.
The remainder of the premium is the no-lapse net premium amount.
No-Lapse Adjustments to the No-Lapse Contract Fund
On the Contract Date the no-lapse contract fund is equal to the no-lapse net premium amount credited on that date, minus any of the charges described below which may be due on that date.
On each day after the contract date, we will adjust the no-lapse contract fund by:
adding any no-lapse net premium amounts.
adding no-lapse interest on that portion of the no-lapse contract fund in excess of the amount of any loan as follows:
Effective Annual Rate
Contract Year(s) of No-Lapse Interest
[1] [0.000% (0.00000000% a day)]
[2] [2.250% (0.00609624% a day)]
[3] [2.500% (0.00676533% a day)]
[4] [2.750% (0.00743279% a day)]
[5] [3.000% (0.00809863% a day)]
[6] [3.500% (0.00942549% a day)]
[7] [4.000% (0.01074598% a day)]
[8] [4.500% (0.01206015% a day)]
[9] [5.000% (0.01336806% a day)]
[10] [5.500% (0.01466978% a day)]
[11] [6.000% (0.01596536% a day)]
[12] [6.500% (0.01725486% a day)]
[13] [7.000% (0.01853833% a day)]
[14-86] [7.500% (0.01981584% a day)]
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PROCESSING DATE: [XXX XX, XXXX]
POLICY NO. [XX XXX XXX]
LAPSE PROTECTION RIDER DATA CONTINUED
adding no-lapse interest on that portion of the no-lapse contract fund equal to the amount of any loan at an effective annual rate of 1% (0.00272616% a day).
subtracting any withdrawals.
And on each monthly date, we will adjust the no-lapse contract fund by:
subtracting a monthly no-lapse charge for administrative expenses of: [$0.13] per $1,000 of the basic insurance amount plus [$9.00]; changing on [October 1, 2032] to [$0.00] per $1,000 of the basic insurance amount plus [$9.00] thereafter.
subtracting a monthly no-lapse charge for the no-lapse cost of insurance (see No-Lapse Cost of Insurance).
[subtracting a monthly no-lapse charge for the Payment of Net Premium Amount Benefit Upon Insured’s Total Disability (Rider [ICC17 VL 100 B]) of [7.519%] of the current total disability benefit as described in the Total Disability Benefit provision in the rider.]
[subtracting a maximum monthly no-lapse charge for Insured’s Accidental Death Benefit (Rider [VL 110 B]) of [$1.66]. ]
[subtracting a monthly no-lapse charge as described in the Rider to Provide Acceleration of Death Benefit (Rider [ICC18 VL 145 B6]). This charge will be waived from the time benefit payments begin.]
[subtracting a maximum monthly no-lapse charge for Level Term Insurance Benefit on Dependent Children (Rider [ICC16 VL 182 B]) of [$10.36] payable until [October 1, 2062]. ]
[subtracting a maximum monthly no-lapse charge for Level Term Insurance Benefit on Dependent Children (Rider [ICC16 VL 184 B]) of [$10.36] payable until [October 1, 2062]. ]
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PROCESSING DATE: [XXX XX, XXXX]
POLICY NO. [XX XXX XXX]
LAPSE PROTECTION RIDER DATA CONTINUED
Table of No-Lapse Monthly Insurance Rates per $1,000 of No-Lapse Net Amount at Risk
| | | | | | | | | | | |
| Contract Year |
Monthly Rate | Contract Year |
Monthly Rate |
| [1] | [0.00000] | [36] | [2.12563] |
| [2] | [0.10404] | [37] | [2.35443] |
| [3] | [0.10509] | [38] | [2.62192] |
| [4] | [0.10615] | [39] | [2.90370] |
| [5] | [0.10722] | [40] | [3.20652] |
| | | |
| [6] | [0.10830] | [41] | [3.53627] |
| [7] | [0.12045] | [42] | [3.90806] |
| [8] | [0.13445] | [43] | [4.34042] |
| [9] | [0.14805] | [44] | [4.84260] |
| [10] | [0.16412] | [45] | [5.40534] |
| | | |
| [11] | [0.18260] | [46] | [6.03284] |
| [12] | [0.20431] | [47] | [6.71503] |
| [13] | [0.22826] | [48] | [7.43760] |
| [14] | [0.25261] | [49] | [8.22661] |
| [15] | [0.27469] | [50] | [9.10394] |
| | | |
| [16] | [0.29631] | [51] | [10.58369] |
| [17] | [0.32003] | [52] | [11.71068] |
| [18] | [0.34663] | [53] | [12.92865] |
| [19] | [0.37768] | [54] | [14.22346] |
| [20] | [0.41553] | [55] | [15.58185] |
| | | |
| [21] | [0.46180] | [56] | [23.38637] |
| [22] | [0.51143] | [57] | [17.91715] |
| [23] | [0.56526] | [58] | [19.18195] |
| [24] | [0.62246] | [59] | [20.50795] |
| [25] | [0.68219] | [60] | [21.89515] |
| | | |
| [26] | [0.79238] | [61] | [23.30785] |
| [27] | [0.88575] | [62] | [24.75030] |
| [28] | [0.99426] | [63] | [26.28710] |
| [29] | [1.11286] | [64] | [27.92590] |
| [30] | [1.23652] | [65] | [29.67435] |
| | | |
| [31] | [1.36521] | [66] | [31.34460] |
| [32] | [1.49559] | [67] | [32.82615] |
| [33] | [1.63186] | [68] | [34.40205] |
| [34] | [1.77570] | [69] | [36.07740] |
| [35] | [1.93720] | [70] | [37.84795 ] |
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PROCESSING DATE: [XXX XX, XXXX]
POLICY NO. [XX XXX XXX]
LAPSE PROTECTION RIDER DATA CONTINUED
| | | | | | | | | | | |
| Contract Year |
Monthly Rate | Contract Year |
Monthly Rate |
| [71] | [39.71285] | [81] | [64.46917] |
| [72] | [41.69250] | [82] | [67.89667] |
| [73] | [43.79285] | [83] | [71.51083] |
| [74] | [45.11917] | [84] | [75.31667] |
| [75] | [47.43500] | [85] | [79.30583] |
| | | |
| [76] | [49.88750] | [86] | [82.07500] |
| [77] | [52.48583] | | |
| [78] | [55.23583] | | |
| [79] | [58.14583] | | |
| [80] | [61.22083] | | |
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PROCESSING DATE: [XXX XX, XXXX]
POLICY NO. [XX XXX XXX]
LAPSE PROTECTION RIDER DATA CONTINUED
[Table of No-Lapse Monthly Insurance Rates per $1,000 of No-Lapse Net Amount at Risk for Rider to Provide Acceleration of Death Benefit]
| | | | | | | | | | | |
| Contract Year |
Monthly Rate | Contract Year |
Monthly Rate |
| [1] | [0.00000] | [36] | [0.35988] |
| [2] | [0.01063] | [37] | [0.39861] |
| [3] | [0.01203] | [38] | [0.44391] |
| [4] | [0.01323] | [39] | [0.49161] |
| [5] | [0.01481] | [40] | [0.54289] |
| | | |
| [6] | [0.01652] | [41] | [0.59871] |
| [7] | [0.01836] | [42] | [0.66166] |
| [8] | [0.02051] | [43] | [0.73485] |
| [9] | [0.02278] | [44] | [0.81987] |
| [10] | [0.02549] | [45] | [0.91516] |
| | | |
| [11] | [0.02863] | [46] | [1.02140] |
| [12] | [0.03232] | [47] | [1.13689] |
| [13] | [0.03646] | [48] | [1.25923] |
| [14] | [0.04074] | [49] | [1.39281] |
| [15] | [0.04472] | [50] | [1.54134] |
| | | |
| [16] | [0.04871] | [51] | [1.70655] |
| [17] | [0.05312] | [52] | [1.88827] |
| [18] | [0.05810] | [53] | [2.08467] |
| [19] | [0.06394] | [54] | [2.29344] |
| [20] | [0.07035] | [55] | [2.51247] |
| | | |
| [21] | [0.07819] | [56] | [2.73065] |
| [22] | [0.08658] | [57] | [2.94542] |
| [23] | [0.09571] | [58] | [3.17043] |
| [24] | [0.10539] | [59] | [3.40769] |
| [25] | [0.11549] | [60] | [3.65762] |
| | | |
| [26] | [0.13416] | [61] | [3.90513] |
| [27] | [0.14997] | [62] | [4.14681] |
| [28] | [0.16833] | [63] | [4.40430] |
| [29] | [0.18842] | [64] | [4.67887] |
| [30] | [0.20935] | [65] | [4.97182] |
| | | |
| [31] | [0.23114] | [66] | [5.25167] |
| [32] | [0.25322] | [67] | [5.49989] |
| [33] | [0.27629] | [68] | [5.76393] |
| [34] | [0.30065] | [69] | [6.04463] |
| [35] | [0.32798] | [70] | [6.34128] |
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PROCESSING DATE: [XXX XX, XXXX]
POLICY NO. [XX XXX XXX]
LAPSE PROTECTION RIDER DATA CONTINUED
| | | | | | | | | | | |
| Contract Year |
Monthly Rate | Contract Year |
Monthly Rate |
| [71] | [6.65374] | [81] | [11.01759] |
| [72] | [6.98542] | [82] | [11.60334] |
| [73] | [7.33732] | [83] | [12.22099] |
| [74] | [7.71073] | [84] | [12.87140] |
| [75] | [8.10650] | [85] | [13.55313] |
| | | |
| [76] | [8.52562] | [86] | [14.24142] |
| [77] | [8.96966] | | |
| [78] | [9.43963] | | |
| [79] | [9.93696] | | |
| [80] | [10.46246] | | |
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PROCESSING DATE: [XXX XX, XXXX]
POLICY NO. [XX XXX XXX]
LAPSE PROTECTION RIDER DATA CONTINUED
NO-LAPSE CHARGE FOR SALES EXPENSES RATE TABLE
(see Rider to Provide Lapse Protection for details)
| | | | | | | | | | | |
| Initial Rate | Ultimate Rate | Premium Allocation Amount |
| Contract Date: | [25.00%] | [25.00%] | [$2,916.49] |
| changing on [October 1, 2024] to: | [18.00%] | [18.00%] | [$2,916.49] |
| changing on [October 1, 2026] to: | [14.00%] | [14.00%] | [$2,916.49] |
| changing on [October 1, 2027] to: | [8.00%] | [8.00%] | [$2,916.49] |
| changing on [October 1, 2042] to: | [5.00%] | [5.00%] | [$2,916.49] |
| changing on [October 1, 2052] to: | [0.00%] | [0.00%] | [$2,759.75] |
| changing on [October 1, 2062] to: | [0.00%] | [0.00%] | [$2,628.50] |
| changing on [October 1, 2087] to: | [0.00%] | [0.00%] | [$2,607.50] |
END OF RIDER DATA
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