EXHIBIT 1.A.(3)(C)



                             COMMISSION SCHEDULE FOR
            SURVIVORSHIP VARIABLE UNIVERSAL LIFE INSURANCE CONTRACTS
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I.          COMMISSIONS

         FIRST YEAR COMMISSION - rate will be 50% of the Commissionable Target
Premiums (CTP). The CTP is an annual premium amount excluding aviation,
avocation, occupational and temporary extras on the base policy and any riders
that does not exceed the policy's target premium.

         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 3% excess
commission.

         If we issue a policy with the sum of the issue ages in excess of 150,
we may reduce the first year commissions.

         Agents in their first 3 years in Prudential Preferred Financial
Services (PPFS) or the first 2 years in Prudential Insurance and Financial
Services (PI&FS) may be paid on a different basis.

         RENEWAL COMMISSIONS, SERVICE COMMISSIONS AND DROP-INS, the commission
rate on renewal premiums in policy years 2 through 10 is 4% or less

         ASSET BASED COMMISSIONS may be payable at the rate of 15 basis points
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or less on the mean asset value of the contract beginning after the first policy
year or later.

II.         COMMISSION RECAPTURES

         In PPFS and PIFS, if a case lapses or is surrendered before the end of
the sixth month, 100% of the commission paid will be withdrawn. If the case
lapses or is surrendered after being in force 7 months but within the first 24
months, a portion of the commission will be withdrawn.

III.        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.