Exhibit 1.A.(3)(c)



                            COMMISSION SCHEDULE FOR
                  Variable Universal Life Insurance Contracts
                  -------------------------------------------

I.)    Commissions

       FIRST YEAR COMMISSION - rate will be 50% of the Modified Commissionable
Target Premiums (MCTP).  The Modified Commissionable Target Premium will be the
least of (a) the Commissionable Target Premium (b) the annual planned premium
payment  for the first two policy years, as specified on the application (i.e.
billed premium); and (c) the premium actually received in the First policy year.
The Commissionable Target Premium (CTP) is the target premium amount excluding
aviation, avocation, occupational and temporary extras on the base policy and
any riders.

       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 MCTP amount.
Any premiums received above the MCTP in year 1 will generate a 3% excess
commission.

       If we issue a policy with an issue age in excess of 80, we may reduce the
first year commissions.

       Agents in their first 4 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 5% on the amount up to
the CTP and it is 3% on the excess. Commissions on renewal/drop-in premiums
received in year 11 or later will be paid at 3% or less.

II.)   COMMISSION RECAPTURES

       In PPFS, 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month, 100% of the commission paid will be withdrawn.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 o 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portion of the commission will be withdrawn.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.


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