Exhibit A(3)(c)

                             COMMISSION SCHEDULE FOR
            SURVIVORSHIP VARIABLE UNIVERSAL LIFE INSURANCE CONTRACTS

I.)  COMMISSIONS

     FIRST YEAR COMMISSION -- rate will be 50% of the Commission Target
     Premiums (CTP) received in the first policy year. The Commission Target
     Premium will be the lesser of the annual planned premium payment as
     specified on the application (i.e., Billed Premium) and the Limiting
     Guideline Level Premiums. Commission Target Premium is composed of the
     target premium amount on the base policy plus the premium for the
     Estate Protection rider. It excludes aviation, avocation, occupational
     and temporary extras on the base policy and any riders. It also
     excludes premiums for the Single Life rider(s).

     As premiums are received in the first contract year, commissions will
     be paid at a rate of 50% until the total premium received reaches the
     CTP amount. Any premiums received above the CTP in year 1 will generate
     a 4% commission.

     For policies issued where the combined ages exceed 170, the 50%
     commission rate will be reduced by 2% for each year the combined ages
     exceed 170.

     RENEWAL COMMISSIONS, SERVICE COMMISSIONS AND DROP-INS -- For Prudential
     Insurance and Financial Services (PIFS) and Prudential Preferred
     Financial Services (PPFS), the commission rate on renewal premiums and
     drop-ins received will be 4%. This will be paid on all premiums
     received through year 10. Commissions on renewal/drop-in premiums
     received in year 11 or later will be paid at 2%.

     PPFS Agents Emeritus are required to attain a certain level of
     production in order to maintain their "service" commissions, i.e.,
     years 11 and beyond.

     For Prudential Select the following scale will be used :

     ===========================================================================
                                                      Policy Years
                                                2-5       6-10        11+
     ===========================================================================
         M Producers                            4%         4%         3%
     ---------------------------------------------------------------------------
         B or S brokers                         4%         3%         2%
     ---------------------------------------------------------------------------


     ORPHAN WRITER'S SERVICE COMMISSIONS - this commission may be payable to
     PIFS representatives. Orphan Writer's Service commissions will be paid
     at a rate of 1% on the first $500 of premiums in policy years 2-10, and
     .5% of the first $500 of premium in policy years 11 and later. This
     amount can be paid in addition to renewal and service commissions and
     may be payable to a representative other than the one receiving
     renewal/service commissions.
    

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      Agents in their first 4 years in PPFS or their first 2 years in PIFS
      may be paid on a different basis.

II.)  COMMISSION RECAPTURES

      In PPFS, if a case lapses or is surrendered before the seventh monthly
      premium is received, 100% of the commission will be withdrawn.

      In PIFS, if a case lapses or is surrendered within the first 24 months,
      a portion of the earned commission will be withdrawn.

III.) PRU SECURITIES REPRESENTATIVES

      The registered representatives of Pru-Bache Securities, Inc. will be paid
      the same commissions as PPFS agents.

IV.)  OTHER BROKER-DEALERS

      The Contract may also be sold through other broker-dealers authorized
      by Prusec and applicable law to do so. Registered representatives of
      such other broker-dealers may be paid on a different basis than that
      stated above.
    

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