Exhibit (4)(p)

PRUCO LIFE INSURANCE COMPANY
(A Prudential Financial Company)
2999 NORTH 44th STREET, SUITE 250
PHOENIX, ARIZONA 85014

[HIGHEST DAILY LIFETIME FIVE] BENEFIT RIDER

This Rider is made a part of your Annuity. For purposes of this Rider, certain
provisions of your Annuity are amended as described below. If the terms of the
Annuity and those of this Rider conflict, the provisions of this Rider shall
control. Should this Rider terminate, any amended or replaced Annuity
provisions based on this Rider's terms will revert back to the provisions in
your Annuity, except as may be provided below.

This Rider makes provision for guaranteed minimum payments for the lifetime of
a Designated Life or Spousal Designated Lives (defined below). This benefit
continues until and unless the benefit terminates as described below in
"Termination of Benefits." If your Account Value is depleted (reduced to zero)
and there are any remaining values, we pay a remaining value as guarantee
payments ("Guarantee Payments").

Terms and Definitions: For purposes of this Rider, the following definitions
apply:

Account Value: The definition of "Account Value" in your Annuity also
includes the value of the Benefit Fixed Rate Account. "Account Value" may
also be referred to in your Annuity as "Contract Value".

Adjusted Purchase Payments: Purchase Payments increased by any Credits
applied to your Account Value in relation to Purchase Payments and decreased
by any charges deducted from such Purchase Payments.

Effective Date: The Effective Date of this Rider as shown in the Schedule
Supplement.

Spouse: An individual whom we believe would be recognized as a spouse under
federal law.

Designated Life/Lives: The natural person(s) who is the measuring life/lives
for the benefit described in this Rider and who is the person(s) shown in
the Schedule Supplement.

Owner/Participant: The term "Owner" may be referred to as "Participant" in
your Annuity, and "Owner Rights" may be referred to as "Participation
Rights." In this Rider, for simplicity, the Participant is referred to as
Owner and Participation Rights are referred to as Ownership Rights.

Additional Terms:

For the purposes of this Rider, these terms also have the following meanings:

"Annuity" also means "Contract";
"Annuity Year" also means "Contract Year";
"Contingent Deferred Surrender Charge" also means "Withdrawal Charge";
"Co-Owner" also means "Joint Owner";
"In Writing" also means "in Good Order";
"Office" also means "Annuity Service Center"; and
"Valuation Day" is every day the New York Stock Exchange is open for
trading, or any other day the Securities and Exchange Commission requires
mutual funds or unit investment trusts to be valued.

Owner, Annuitant and Beneficiary Designations: For purposes of this Rider, the
designations under your Annuity must be as follows:

For a single Designated Life, if the Owner is a natural person, the Owner must
also be the Annuitant and the Designated Life. If the Owner is an entity that
we permit, the Annuitant must be the Designated Life.

If there are Spousal Designated Lives shown in the Schedule Supplement, such
persons must be each other's Spouses at the time this Rider is elected. For
Spousal Designated Lives, if the Owner is a natural person, he/she must be the
Annuitant, and one of the Spousal Designated Lives. If a Co-Owner is named,
he/she must be the other Spousal Designated Life. While both Spousal Designated
Lives are alive, each Co-Owner must be designated as the other Co-Owner's
primary Beneficiary. While both Spousal Designated Lives are alive, if no
Co-Owner is named, then the sole primary Beneficiary must be the other Spousal
Designated Life.

For Spousal Designated Lives, when the Owner is an entity, the Annuitant must
be a Spousal Designated Life. This benefit cannot be utilized when the Owner is
an entity unless we allow for the continuation of this benefit after the death
of the first Designated Life to die.

While this Rider is in effect, the Designated Life/Spousal Designated Lives may
not be changed. This may restrict your ability to make changes to
Owner/Annuitant designations. You may name a new Beneficiary(ies), subject to
the other limitations on Beneficiary designations noted above. However, such
new Beneficiary(ies) will not be a Designated Life, and would therefore result
in the Rider's terminating at the death of the first Spousal Designated Life.

Annual Income Amount: We guarantee that, subject to the limits and conditions
outlined in this Rider, each Annuity Year you may take, as one or multiple
withdrawals, an income amount ("Annual Income Amount"). All or any portion of a
withdrawal that exceeds the Annual Income Amount for that Annuity Year is
considered excess income ("Excess Income"). Excess Income will reduce the
Annual Income Amount in subsequent Annuity Years, as described below.

A protected withdrawal value ("Protected Withdrawal Value") is the basis for
the calculation of the Annual Income Amount. The Protected Withdrawal Value is
described below and is set on the date of the first withdrawal after the
Effective Date.

Withdrawals: Withdrawals, including withdrawals of an Annual Income Amount, may
incur any applicable Contingent Deferred Sales Charge or other charges
applicable upon a withdrawal.

Initial Annual Income Amount: The initial Annual Income Amount is set as of the
date of the first withdrawal from your Annuity and is based on the Protected
Withdrawal Value. The initial Annual Income Amount is determined by applying
the applicable Annual Income Percentage shown in the Schedule Supplement to the
Protected Withdrawal Value. The Protected Withdrawal Value is the higher of the
following values:

(1) the Account Value on the date of the first withdrawal, prior to such
first withdrawal; and

(2) the "Periodic Value" on the earlier of the date of the first
withdrawal or the tenth anniversary of the Effective Date, as defined
below.

Periodic Value: The Periodic Value initially is equal to the Account Value on
the Effective Date. On each Valuation Day thereafter, until the earlier of the
first withdrawal or ten years after the Effective Date, we recalculate the
Periodic Value. Specifically, on each such Valuation Day (the "Current
Valuation Day"), the Periodic Value is equal to the greater of:

(1) the Periodic Value for the immediately preceding business day (the
"Prior Valuation Day") appreciated at the daily equivalent of the
Roll-Up Rate indicated in the Schedule Supplement during the calendar
day(s) between the Prior Valuation Day and the Current Valuation Day
(i.e., one day for successive Valuation Days, but more than one
calendar day for Valuation Days that are separated by weekends and/or
holidays), plus the amount of any Adjusted Purchase Payment made on
the Current Valuation Day; and

(2) the Account Value.

Impact of Withdrawals: Any withdrawals reduce the remaining Annual Income
Amount available during an Annuity Year by the dollar amount of each
withdrawal. Withdrawals in an Annuity Year that, in total, do not exceed the
Annual Income Amount for that Annuity Year do not reduce the Annual Income
Amount in subsequent Annuity Years. Each withdrawal of Excess Income reduces
the Annual Income Amount proportionately. That proportional reduction is
calculated by multiplying the Annual Income Amount by the ratio of the Excess
Income to the Account Value immediately subsequent to the withdrawal of any
Annual Income Amount and prior to the withdrawal of the Excess Income (even if
both withdrawals occurred in the same day).

Withdrawal Flexibility: Withdrawals are not required. However, the Annual
Income Amount is not increased in subsequent Annuity Years if you decide not to
take a withdrawal in an Annuity Year or take withdrawals in an Annuity Year
that in total are less than the Annual Income Amount.

Required Minimum Distributions: The Annual Income Amount will be increased for
any Annuity Year to the extent necessary in that Annuity Year to meet any
minimum distribution requirement pursuant to the Internal Revenue Code of 1986,
as amended from time to time, and the regulations promulgated thereunder. This
increase applies only in relation to the required minimum distribution based on
the value of your Annuity.

Additional Purchase Payment(s) after your First Withdrawal: If your Annuity
permits additional Purchase Payments, then, before your Account Value is
depleted, you may make additional Purchase Payments, subject to the Purchase
Payments Limitation provision below. We reserve the right not to accept
additional Purchase Payments if the Account Value becomes zero. The increase to
the Annual Income Amount resulting from each Purchase Payment equals the
applicable Annual Income Percentage applied to the Adjusted Purchase Payment.

Purchase Payment(s) Limitation: If your Annuity permits additional Purchase
Payments, we may limit any subsequent Purchase Payment(s) if we determine that
as a result of the timing and amounts of your subsequent Purchase Payments and
withdrawals, the Annual Income Amount is being increased in an unintended
fashion. Among the factors we will use in making a determination as to whether
an action is designed to increase the Annual Income Amount in an unintended
fashion is the relative size of subsequent Purchase Payment(s). We reserve the
right to not accept subsequent Purchase Payments if we are not then offering
this benefit for new elections. We will exercise such reservation of right for
all annuity purchasers in the same class in a nondiscriminatory manner.

Step Ups: We automatically step up your Annual Income Amount, as follows:

Beginning on the first anniversary of the Issue Date of your Annuity after the
first withdrawal subsequent to the Effective Date, we will step up your Annual
Income Amount if the conditions set forth in this paragraph are met.
Specifically, we do this if the value resulting from applying the applicable
Annual Income Percentage (shown in the Schedule Supplement) to the highest
quarterly Account Value (as measured on each quarter anniversary of the Issue
Date of your Annuity), occurring over the past Annuity Year and adjusted for
any withdrawals and any additional Adjusted Purchase Payments, results in an
amount greater than your current Annual Income Amount. For the first step up,
the comparison may be based on less than four quarterly Account Values, since
the first withdrawal may occur after one or more quarterly anniversaries within
an Annuity Year. Thereafter, the comparison of Account Values is based on four
quarterly anniversaries in each Annuity Year.

We reserve the right at the time of, and as a result of, any step up to
increase the charge for this Rider to the current charge we apply for new
business. We will notify you of the increase in charge prior to our
implementing any such increase, and you must notify us In Writing if you wish
to opt out of this feature based on our procedures at the time of notification.
You are only permitted to opt out of the automatic step up feature, if the
charge increases. Should you decide to opt out of the automatic step up
feature, but later wish to re-elect it, you must inform us In Writing. Upon
re-election of this feature, you will be subject to the then-current charge we
apply to the next subsequent step up.

Guarantee Payments: Once your Account Value is depleted, we subsequently make
one or more Guarantee Payments, as long as any Excess Income has not reduced
the Annual Income Amount to zero, until the death of the single Designated Life
or the second of the Spousal Designated Lives to die. The only provisions of
your Annuity that remain in effect are those that relate to such Guarantee
Payments. In the Annuity Year your Account Value is depleted, the only
Guarantee Payment due, if any, generally equals the Annual Income Amount not
yet withdrawn in that Annuity Year. In subsequent Annuity Years, the Guarantee
Payment equals the Annual Income Amount in effect as of the date the Account
Value is depleted.

Unless you request an alternate mode of payment we make available, we make such
Guarantee Payments once each Annuity Year.

We will commute any Guarantee Payments due and pay you a lump sum if the total
Guarantee Payment due each Annuity Year is less than the minimum Guarantee
Payment amount shown in the Schedule Supplement. We commute the Guarantee
Payments in a manner equivalent to commuting payments for a fixed, joint life
and last survivor annuity if both Spousal Designated Lives are living, or a
fixed, single life annuity if only one of the Spousal Designated Lives is
living or if this benefit was issued with one Designated Life. We use the same
basis that is used to calculate the guaranteed annuity rates in your Annuity.

We will charge against Guarantee Payments any applicable premium taxes paid to
any governmental entity on the basis of Guarantee Payments we may make.

Investment Limitations: While this Rider is in effect, your entire Account
Value must be allocated to only those investment options we permit. In
addition, you may be required to maintain all or a portion of your Account
Value in accordance with an asset allocation model.

At any time until this Rider is terminated, these requirements may be
implemented, suspended or changed. This includes changing prohibited investment
options, changing the extent to which Account Value may be allocated to an
investment option, and changing required investment options. Any transfers
resulting from our implementing or changing any investment limitation will not
be counted in determining the number of free transfers made during an Annuity
Year. If, subsequent to your election of this benefit, we change our
requirements as to how Account Value must be allocated under the benefit, that
new requirement will apply only to new elections of the benefit, and will not
compel you to re-allocate your Account Value in accordance with our
newly-adopted requirements. All subsequent transfers and Purchase Payments may
be subject to the new investment limitations.

Transfers to and from the Benefit Fixed Rate Account: On each Valuation Day,
including the Effective Date, a program is used to compare your Account Value
to an amount based on the guarantee provided by this benefit. Based on the
program, a determination is made as to whether any portion of your Account
Value is to be transferred to or from the Benefit Fixed Rate Account. Please
refer to the Schedule Supplement for information on the formula used under this
program. The program used may differ for different classes of annuities. You
are not permitted to transfer amounts between Sub-accounts and the Benefit
Fixed Rate Account. Unless you are participating in any asset allocation
program for which we are providing administrative support, the program
allocates any transferred amount to the Sub-accounts pro-rata based on the
Account Values in such Sub-accounts at that time. If you are then participating
in any such asset allocation program, we allocate the transferred amount in
accordance with the then current percentages for that asset allocation program.
Transfers to the Benefit Fixed Rate Account will be taken pro-rata from the
Sub-accounts. Amounts transferred from the Benefit Fixed Rate Account are on a
"last-in, first-out" basis. In the event your entire Account Value is allocated
to a Benefit Fixed Rate Account, any transfers out will be transferred to the
permitted Sub-accounts according to your most recent instructions.

Benefit Fixed Rate Account: The Benefit Fixed Rate Account specific to this
Rider is supported by assets in our general account. We credit a fixed rate of
interest to Benefit Fixed Rate Segments established in the Benefit Fixed Rate
Account for the Crediting Period. Benefit Fixed Rate Segments are portions of
your Account Value. Benefit Fixed Rate Segments are created whenever a portion
of your Account Value is transferred into the Benefit Fixed Rate Account.

The length of time for which a Benefit Fixed Rate Interest Rate (described
below) will not change for a Benefit Fixed Rate Segment is the Crediting
Period. The duration of all Crediting Periods for the Benefit Fixed Rate
Segment in the Benefit Fixed Rate Account is one year.

The effective date of the first Crediting Period for a Benefit Fixed Rate
Segment is the date the Account Value is transferred into the Benefit Fixed
Rate Account. Each Crediting Period ends at the earliest of the last day of the
Crediting Period, the Annuity Date, the date all Account Value in that Benefit
Fixed Rate Segment is withdrawn or transferred, or the date the death benefit
becomes payable. The effective date for any subsequent Crediting Period for a
Benefit Fixed Rate Segment is the date immediately following the last day of
the prior Crediting Period.

Benefit Fixed Rate Interest Rates: Interest is credited to Benefit Fixed Rate
Segments daily. The interest rate does not change for a Benefit Fixed Rate
Segment during a Crediting Period. All Benefit Fixed Rate Interest Rates
declared are effective annual interest rates. This is the yield that results
after interest is compounded daily for a full year. We declare Benefit Fixed
Rate Interest Rates from time to time on or before the effective date of a
Crediting Period. These interest rates will never be less than the minimum
interest rate described on the Schedule Supplement page.

We inform you of the interest rate applicable to a Benefit Fixed Rate Segment
when we confirm the allocation.

To the extent permitted by law, we reserve the right at any time to use a
Benefit Fixed Rate Account and a Crediting Period that differ from those that
were available when your Rider became effective. We may establish different
Benefit Fixed Rate Accounts for different classes and for different annuities.

Death of a Designated Life under this Rider:

Please also refer to the "Termination of Benefits" provision below.

Death of the Designated Life:

If this Rider was issued with one Designated Life and such person dies, this
Rider terminates and the death benefit provisions of your Annuity apply.

Death of the first of the Spousal Designated Lives to die and Spousal
Continuation: For purposes of this Rider the Spousal Continuation provision
is as follows:

. Upon the first of the Spousal Designated Lives to die ("First Death"), if
a death benefit is payable and the Annuity is continued, this Rider
remains in force unless we are instructed otherwise or unless upon the
First Death, the Spouse is not a Spousal Designated Life, in which case
this Rider terminates.

. Upon the First Death, if a death benefit is payable and the Annuity is
not continued, the death benefit will be paid under the terms of your
Annuity, and the Rider terminates as of the date we receive due proof of
death In Writing.

. Upon the First Death, if a death benefit is not payable and there is a
surviving Spousal Designated Life (i.e., if the first of the Spousal
Designated Lives to die is the Beneficiary but not an Owner), the Rider
will continue.

. Upon the First Death, if a death benefit is not payable and there is no
remaining Spousal Designated Life (e.g., divorce occurs), this Rider
terminates as of the date of death of that Spousal Designated Life.

Misstatement of Age or Sex: For purposes of this Rider, the following sentence
is added to the section in your Annuity entitled "Misstatement of Age or Sex":

If there has been a misstatement of the age and/or sex of any Designated Life
or Spousal Designated Life upon whose life the guarantees under this Rider are
based, we make adjustments to any charges, availability and any benefits
payable under this Rider to conform to the facts.

Annuity Payments: If annuity payments are to begin under the terms of your
Annuity, you can elect to either:

(1) apply your Account Value to any annuity option available in the
Annuity Payments section of your Annuity; or

(2) request that, as of the date annuity payments are to begin, we make
annuity payments each year equal to the Annual Income Amount. We will
continue to make payments until the death of the Designated Life or,
as applicable, the death of the second Spousal Designated Life as long
as the Spousal Designated Lives were Spouses at the time of the first
death. If this option is elected, the Annual Income Amount will not
increase after annuity payments have begun.

Once we receive your election to commence annuity payments, or we make the
first payment under a default annuity payment option provision, only the
annuity payments guaranteed under the specific annuity payment option will
apply, and the annuity payment option cannot be changed.

We must receive your request at our Office In Writing. If annuity payments are
to begin under the terms of your Annuity and you have not made an election, we
will make annual annuity payments as a joint and last survivor fixed annuity or
as a single life fixed annuity, as applicable, each with ten payments certain
using the same basis that is used to calculate the greater of the annuity rates
then currently available or the annuity rates guaranteed in your Annuity. If
you are electing annuity payments under the terms of this Rider, the annual
guaranteed annuity rates for a joint and last survivor fixed annuity and a
single life fixed annuity, each with ten payments certain are shown in the
Annuity Payment Table in the Schedule Supplement. We also reserve the right to
limit the length of any annuity payout option, including but not limited to any
default option and any period certain, to conform with applicable tax law and
to satisfy required minimum distribution requirements. The amount that will be
applied to provide such annuity payments will be the greater of:

(1) the present value of future Annual Income Amount payments. Such
present value will be calculated using the same basis that is used to
calculate the guaranteed annuity rates in your Annuity; and

(2) the Account Value.

If no withdrawal was ever taken, we will determine an Initial Protected
Withdrawal Value and calculate an Annual Income Amount as if you made your
first withdrawal on the date we transfer all Account Value in order to begin
annuity payments.

Minimum Surrender Value: Any provision in your Annuity requiring there be a
minimum Surrender Value or Account Value as of the date of any withdrawal is
waived while this Rider is in effect.

Charge for the Rider: The charge is applied against the daily total value of
each Sub-account in which Account Value is maintained in the Annuity. The
charge is assessed each day at the daily equivalent of the applicable rate. On
the Effective Date, the charge is as shown in the Schedule Supplement. Upon any
step up, we may increase the charge if the charge for the Rider at the time of
the step up has increased. Any new charge is based on charges applicable to
annuity purchasers of the same class of Annuity. Please also refer to the
provision entitled "Step Ups."

Proof of Survival: Any Guarantee Payment is subject to evidence we receive In
Writing that the Single Designated Life or at least one Spousal Designated Life
is then alive. We may withhold such Guarantee Payment(s) until we receive such
evidence or evidence satisfactory to us of the life of the Designated Life or
at least one of the Spousal Designated Lives. We credit interest on such
withheld Guarantee Payments at the rate required by law. Should we subsequently
determine withheld Guarantee Payments are payable, we will pay the withheld
Guarantee Payments and any applicable interest credited in a lump sum.

Facility of Payment: We reserve the right, in settlement of full liability, to
make Guarantee Payments to a guardian, relative, or other person if a
Designated Life payee is deemed to be legally incompetent, as permitted by law.

Recovery of Excess Guarantee Payments: We may recover from you or your estate
any Guarantee Payments made after the death of the Single Designated Life or
both Spousal Designated Lives.

Termination of Benefits: You may terminate this Rider at any time upon
notification to us In Writing. Upon the termination of the rider, we transfer
any remaining Account Value from all Benefit Fixed Rate Segments within the
Benefit Fixed Rate Account. Unless you are participating in any asset
allocation program for which we are providing administrative support, we
allocate the transferred amount to the Sub-accounts pro-rata based on the
Account Values in such Sub-accounts at that time. If you are then participating
in any such asset allocation program, we allocate the transferred amount in
accordance with the then current percentages for that asset allocation program.
In the event your entire Account Value is allocated to a Benefit Fixed Rate
Account, any transfers out will be transferred to the permitted Sub-accounts
according to your most recent instructions. Upon termination, we may limit or
prohibit investment in any available option crediting a fixed interest rate,
including any such option that is subject to a market value adjustment.
Benefits pursuant to this Rider terminate upon the first to occur of the
following events:

(1) we process a termination of this Rider, and/or your request for full
surrender of the Annuity. If your Annuity is otherwise still in
effect, we will consider you to have elected to remain in any
applicable asset allocation program then in effect, or in the
investment options that we require for the Rider, other than the
Benefit Fixed Rate Account, unless you instruct us otherwise;

(2) the date of receipt of due proof of the first Spousal Designated Life
to die who is an Owner (or who is the Annuitant, if the Annuity is
owned by an entity), if the surviving Spouse does not elect to
continue the Annuity, and any Account Value remains on the date of
death where there are two Spousal Designated Lives;

(3) the date of receipt of due proof of the first Spousal Designated Life
to die who is an Owner ( or who is the Annuitant, if the Annuity is
owned by an entity) if the surviving Spouse is not eligible to
continue the benefit because such Spouse is not a Spousal Designated
Life and any Account Value remains on the date of death;

(4) the date of receipt of due proof of the death of the Designated Life
or the second Spousal Designated Life's death if death occurs while
Account Value remains on the date of death;

(5) the date of death of the Designated Life or the second Spousal
Designated Life when Account Value is depleted as of the date of death;

(6) if Account Value remains on the Annuity Date, or if earlier, the date
we transfer all Account Value in order to begin annuity payments;

(7) each of the Account Value and the Annual Income Amount is zero; and

(8) we process a request to change any designation of the Annuity that
either results in a violation of the Designations provision of this
Rider or if we do not then consent to continue the Rider.

PRUCO LIFE INSURANCE COMPANY

[GRAPHIC APPEARS HERE]
[________________________________________]
Secretary

PRUCO LIFE INSURANCE COMPANY
(A Prudential Financial Company)
2999 NORTH 44th STREET, SUITE 250
PHOENIX, ARIZONA 85014

[HIGHEST DAILY LIFETIME FIVE BENEFIT]
SCHEDULE SUPPLEMENT

ANNUITY NUMBER: [XXXXXXX]

EFFECTIVE DATE OF THE RIDER: [FEBRUARY 15, 2007]

[[SPOUSAL] DESIGNATED LIFE/LIVES]:

[JOHN DOE] DATE OF BIRTH: [FEBRUARY 21, 1955]
[[MARY DOE] DATE OF BIRTH: [JANUARY 1, 1956]]

ROLL-UP RATE: [5.0% per year]

ANNUAL INCOME PERCENTAGE: [[5.0%]
[The Annual Income Amount is determined at the time of the first
withdrawal after the Effective Date and on a Designated Life's age at
the time of the first withdrawal. It is equal to an Annual Income
Percentage, as shown below, applied against the Protected Withdrawal
Value. For Spousal Designated Lives, the percentage is based on the
youngest Designated Life's age at the time of the first withdrawal.

Annual Income Percentage
Applied Against Protected
Age of Designated Life Withdrawal Value
---------------------- -------------------------
50 - 64 4%
65 - 74 5%
75 - 84 6%
85+ 7%
]]

MINIMUM GUARANTEED PAYMENT: [$100]

CHARGE FOR THE RIDER: [THE DAILY EQUIVALENT OF AN ANNUAL RATE APPLIED TO
SUB-ACCOUNTS:

[FOR SINGLE DESIGNATED LIFE: [0.60]%]
[FOR SPOUSAL DESIGNATED LIVES: [0.75]%]

INTEREST RATE MINIMUM: [[2.0]% ANNUALLY FOR CREDITING PERIODS THAT START PRIOR
TO THE [TENTH] ANNIVERSARY OF THE [ANNUITY'S ISSUE DATE/CONTRACT DATE]; [3.0]%
ANNUALLY FOR CREDITING PERIODS THAT START ON OR AFTER THE [TENTH] ANNIVERSARY
OF THE [ANNUITY'S ISSUE DATE/CONTRACT DATE]]

[HIGHEST DAILY LIFETIME FIVE BENEFIT]
SCHEDULE SUPPLEMENT (CONTINUED)

Annuity Payment Table: [The Annuity Payment Table below is used to compute the
minimum annual amount of a single life annuity payment with 10 payments certain
per $1,000 applied. We used the Annuity 2000 Valuation Mortality Table, less
two years, with projected mortality improvements (modified scale G), with an
interest rate of [3]% per year in preparing the Annuity Payment Table.

Single Life Annuity Payment with 10 Payments Certain

AGE MALE FEMALE UNISEX AGE MALE FEMALE UNISEX
--- ------ ------ ------ --- ------ ------ ------

55 49.00 45.76 46.42 80 98.01 89.91 91.52
60 54.01 50.01 50.82 85 117.86 110.78 112.20
65 60.77 55.70 56.72 90 140.50 135.96 136.88
70 69.95 63.49 64.78 95 163.30 160.31 160.93
75 82.13 74.48 76.00

The Annuity Payment Table below is used to compute the minimum annual amount of
a joint and last survivor life annuity payment with 10 payments certain per
$1,000 applied. We used Annuity 2000 Valuation Mortality Table, less two years,
with projected mortality improvements (modified scale G), and an interest rate
of [3]% per year in preparing the Annuity Payment Table.

Joint and Last Survivor Life Annuity Payment with 10 Payments Certain

Female Age

55 60 65 70 75 80 85 90 95
----- ----- ----- ----- ----- ----- ----- ------ ------
55 42.00 43.62 45.09 46.32 47.26 47.92 48.33 48.54 48.63
60 43.07 45.24 47.37 49.31 50.90 52.06 52.79 53.18 53.36
Male Age: 65 43.93 46.65 49.56 52.43 55.01 57.03 58.39 59.14 59.48
70 44.57 47.77 51.45 55.41 59.32 62.69 65.11 66.52 67.20
75 45.00 48.58 52.91 57.94 63.37 68.52 72.56 75.07 76.33
80 45.29 49.11 53.92 59.84 66.72 73.86 79.99 84.06 86.23
85 45.45 49.42 54.54 61.07 69.10 78.04 86.32 92.22 95.52
90 45.54 49.59 54.88 61.76 70.52 80.75 90.76 98.26 102.64
95 45.58 49.67 55.04 62.10 71.25 82.23 93.36 101.97 107.14

[HIGHEST DAILY LIFETIME FIVE BENEFIT]
SCHEDULE SUPPLEMENT (CONTINUED)

The factors in the Annuity Payment Tables are based on the Annuitant's(s')
Adjusted Age and Sex. The Adjusted Age is the age last birthday prior to the
date on which the first Annuity Payment is due, adjusted as shown in the
"Translation of Adjusted Age Table" below.

Translation of Adjusted Age Table

Calendar Year in Which Calendar Year in Which
First Payment is Due Adjusted Age First Payment is Due Adjusted Age
- ---------------------- ------------------ ---------------------- ------------------

Prior to 2010 Actual Age 2050 through 2059 Actual Age minus 5
2010 though 2019 Actual Age minus 1 2060 through 2069 Actual Age minus 6
2020 through 2029 Actual Age minus 2 2070 through 2079 Actual Age minus 7
2030 through 2039 Actual Age minus 3 2080 through 2089 Actual Age minus 8
2040 through 2049 Actual Age minus 4 2090 through 2099 Actual Age minus 9]

ADDITIONAL INFORMATION ABOUT TRANSFERS BETWEEN THE SUB-
ACCOUNTS AND THE BENEFIT FIXED RATE ACCOUNT

[The program described in the Rider monitors your Account Value daily, and, as
determined by the formula set forth below, transfers are made between the
Sub-accounts and the Benefit Fixed Rate Account.

Any transfers out of the Sub-accounts into the Benefit Fixed Rate Account are
made on a pro rata basis. Any transfers out of the Benefit Fixed Rate Account
are taken out of the Benefit Fixed Rate Account on a last-in, first-out basis.
Such transfer amounts are deposited into the Sub-accounts on a pro rata basis,
unless you instruct us otherwise.

Terms and Definitions referenced in the calculation formula:

.. Cu - the upper target is established on the Effective Date and is not
changed for the life of the guarantee.

.. Ct - the target is established on the Effective Date and is not changed for
the life of the guarantee.

.. Cl - the lower target is established on the Effective Date and is not
changed for the life of the guarantee.

.. L - the target value as of the current Valuation Day.

.. r - the target ratio.

.. a - the factors used in calculating the target value. These factors are
established on the Effective Date and are not changed for the life of the
guarantee.

.. Q - age based factors used in calculating the target value. These factors
are established on the Effective Date and are not changed for the life of
the guarantee.

.. V - the total value of all Sub-accounts in the Annuity.

.. F - the total value of all Benefit Fixed Rate Account allocations.

.. I - the Income Value prior to the first withdrawal. The Income Value is
equal to what the Annual Income Amount would be if the first withdrawal
were taken on the date of calculation. After the first withdrawal the
Income Value equals the greater of the Annual Income Amount, the quarterly
step-up amount times the Annual Income Percentage, and the Account Value
times the Annual Income Percentage.

.. T - the amount of a transfer into or out of the Benefit Fixed Rate Account.

.. I% - Annual Income Amount percentage. This factor is established on the
Effective Date and is not changed for the life of the guarantee.

[HIGHEST DAILY LIFETIME FIVE BENEFIT]
SCHEDULE SUPPLEMENT (CONTINUED)

Target Value Calculation:

On each Valuation Day, a target value (L) is calculated, according to the
following formula. If the variable Account Value (V) is equal to zero, no
calculation is necessary.

L = I * Q * a

Transfer Calculation:

The following formula, which is set on the Effective Date and is not changed
for the life of the guarantee, determines when a transfer is required:

Target Ratio r = (L - F) / V.

. If r (greater than) C\\u\\, assets in the Sub-accounts are transferred
to Benefit Fixed Rate Account.

. If r < C\\l\\, and there are currently assets in the Benefit Fixed
Rate Account (F (greater than) 0), assets in the Benefit Fixed Rate
Account are transferred to the Sub-accounts.

The following formula, which is set on the Effective Date and is not changed
for the life of the guarantee, determines the transfer amount:

T ={Min(V, [L - F - V * C\\t\\] / (1-C\\t\\))} T(greater than)0, Money moving from the Sub-accounts to the Benefit
Fixed Rate Account
T ={Min(F, [L - F - V * C\\t\\] / (1-C\\t\\))} T<0, Money moving from the Benefit Fixed Rate Account
to the Sub-accounts]