Exhibit 6

                                                              September 17, 2002

Pruco Life Insurance Company
213 Washington Street
Newark, New Jersey 07102-2992

To Pruco Life Insurance Company of New Jersey:

This opinion is furnished in connection with the registration by Pruco Life
Insurance Company of New Jersey ("Pruco Life of New Jersey") of variable
universal life insurance contracts (the "Contracts") under the Securities Act of
1933. The prospectus included in the initial filing of this S-6 Registration
Statement describes the Contracts. I have reviewed the Contract form and I have
participated in the preparation and review of the Registration Statement and
Exhibits thereto. In my opinion:

      (1)   The illustrations of cash surrender values and death benefits
            included in the prospectus section entitled "Illustrations of
            Surrender Values, Death Benefits, and Accumulated Premiums," based
            on the assumptions stated in the illustrations, are consistent with
            the provisions of the Contract. The rate structure of the Contract
            has not been designed so as to make the relationship between
            premiums and benefits, as shown in the illustrations, appear more
            favorable to a prospective purchaser of a Contract for male age 35,
            than to prospective purchasers of Contracts on males of other ages
            or on females.

      (2)   The examples shown in the section of the prospectus entitled
            "Changing the Type of Death Benefit" are consistent with the
            provisions of the Contract.

      (3)   The chart included in the section of the prospectus entitled
            "Riders" is consistent with the provisions of the Contract.

      (4)   The charts included in the sections of the prospectus entitled: "How
            a Type A (Fixed) Contract's Death Benefit Will Vary," "How a Type B
            (Variable) Contract's Death Benefit Will Vary," and "How a Type C
            (Return of Premium) Contract's Death Benefit Will Vary," are
            consistent with the provisions of the Contract.

      (5)   The examples shown in the section of the prospectus entitled "Death
            Benefit Guarantee" are consistent with the provisions of the
            Contract.

      (6)   The deduction in an amount equal to 1.25% of each premium is a
            reasonable charge in relation to the additional income tax burden
            imposed upon Pruco Life and its parent company, The Prudential
            Insurance Company of America, as the result of the enactment of
            Section 848 of the Internal Revenue Code. In reaching that
            conclusion a number of factors were taken into account that, in my
            opinion, were appropriate and which resulted in a projected
            after-tax rate of return that is a reasonable rate to use in
            discounting the tax benefit of the deductions allowed in Section 848
            in taxable years subsequent to the year in which the premiums are
            received.

I hereby consent to the use of this opinion as an exhibit to the Registration
Statement and to the reference to my name under the heading "Experts" in the
prospectus.

Very truly yours,


 /s/
- -------------------------------------------------
Pamela A. Schiz, FSA, MAAA
Director and Actuary
The Prudential Insurance Company of America