EXHIBIT 4(h)


[PRUDENTIAL FINANCIAL LOGO]             PRUCO LIFE INSURANCE COMPANY
                                        Phoenix, Arizona 85014

                                        a Prudential Financial company

                                 ENDORSEMENT

This Endorsement is made a part of the Contract to which it is attached and is
effective immediately. In the case of a conflict with any provision in the
Contract, the provisions of this Endorsement will control. The following
hereby amends and supersedes the provisions of the Contract mentioned below.

1.   We add the following new definitions to the DEFINITIONS section of the
     Contract:

         DOLLAR COST AVERAGING (DCA) FIXED RATE INVESTMENT OPTION: A portion
         of the General Account into which you may allocate Invested Purchase
         Payments. It does not share in the investment experience of any
         Subaccount of the Variable Separate Account.

         DOLLAR COST AVERAGING (DCA) INTEREST SEGMENT: A DCA Interest Segment
         is a portion of the DCA Option that is created whenever you allocate
         all or part of an Invested Purchase Payment to the DCA Option.

         DOLLAR COST AVERAGING (DCA) PROGRAM: A DCA Program permits you to
         allocate all or part of an Invested Purchase Payment to the DCA
         Option and automatically transfer amounts on a periodic basis from
         the DCA Option to selected Allocation Options for a given period of
         time.

         INTEREST RATE INVESTMENT OPTIONS: Those interest rate option(s)
         available under the Contract as of any given time. Interest Rate
         Investment Option(s) as of the Contract Date are shown on the
         Contract Data pages.

2.   We amend the first paragraph of the CREDIT section of the Contract such
     that reference to "Variable Investment Options" is deleted and replaced
     with reference to "Allocation Options."

3.   We amend the third paragraph of the CONTRACT VALUE section of the
     Contract such that the listing of items that increase the Contract Value
     is enlarged to include interest credited under the DCA Fixed Rate
     Investment Option.

4.   We amend the fifth paragraph of the CONTRACT VALUE section of the
     Contract such that investment results as well as interest credited under
     the DCA Fixed Rate Investment Option are applied daily.






5.   We add the following section after the VARIABLE SEPARATE ACCOUNT section
of the Contract:

                  DOLLAR COST AVERAGING (DCA) FIXED RATE INVESTMENT OPTION

         DCA PROGRAM: If a DCA Program is elected, you may allocate all or
         part of your Invested Purchase Payments to the DCA Fixed Rate
         Investment Option ("DCA Option"). The DCA Program provides for a
         systematic transfer of the funds allocated to the DCA Option on a
         periodic basis from the DCA Option to selected Allocation Options for
         a given number of payments. However, you may not transfer any
         Contract Value to the DCA Option from the other Allocation Options.

         INTEREST TO BE CREDITED: A DCA Interest Segment is a portion of the
         DCA Option that is created when you allocate all or part of an
         Invested Purchase Payment to the DCA Option. We credit interest to
         the amount in each DCA Interest Segment daily at the daily equivalent
         of a specific rate declared for that DCA Interest Segment until the
         earliest of: 1) the date the amount in the DCA Interest Segment is
         transferred out of the DCA Interest Segment; 2) the date the amount
         in the DCA Interest Segment is withdrawn; 3) the date as of which any
         death benefit payable is determined, and 4) the Annuity Date. The
         initial Interest Segment Interest Rate applicable for Invested
         Purchase Payments allocated to the DCA Option on the Contract Date is
         shown on the Contract Data pages. Interest rates for future
         allocations to the DCA Option will be declared on or before the date
         when those allocations are made. The declared rates will never be
         less than the Minimum Guaranteed Interest Rate shown on the Contract
         Data pages. The current effective interest rates can be found by
         contacting the representative who sold you this Contract or by
         calling the Annuity Service Center.

         TRANSFERS: Invested Purchase Payments allocated to the DCA Option are
         transferred systematically on a periodic basis to the other
         Allocation Options that you have specified. We will transfer the
         amount allocated in a series of equal payments on each transfer date
         such that the amount of each payment corresponds to the number of
         payments for the period selected for the transfers. The final
         transfer includes the interest credited during the period (but see
         below for the effect of withdrawals). The first periodic transfer
         from the DCA Option is made as of the date of the allocation of the
         applicable Invested Purchase Payment. Subsequent transfers are made
         periodically on the anniversary of the first transfer (for example,
         monthly or quarterly). The final transfer amount includes the
         interest credited during the elected period. Once the initial
         transfer has been processed, the transfer period may not be changed.
         The other Allocation Options to which the transfers are being made
         may be changed. Transfers from the DCA Option do not count toward the
         maximum number of free transfers permissible under the Contract.

         EFFECT OF WITHDRAWALS ON TRANSFERS: Withdrawals from the DCA Option
         are permitted. We will recalculate the periodic transfer amount to
         reflect the reduction in the DCA Option caused by the withdrawal.
         This recalculation may include some or all of the interest credited
         to the date of the next scheduled transfer. Any interest that is not
         included in the recalculated transfer amount will be paid with the
         final transfer amount, unless there is another subsequent withdrawal.
         Deductions of the Contract Maintenance Charge, Insurance Charge, GMIB
         Charge or any other charges for optional benefits are treated as
         withdrawals for this purpose. If a withdrawal reduces the periodic
         transfer amount to below $100, the remaining balance in the DCA
         Option will be transferred to the other Allocation Options that you
         had most recently selected for the DCA Program on the next scheduled
         transfer date. If a withdrawal request does not specify the
         Allocation Options from which the withdrawal is to be made, we will
         take the withdrawals on a pro-rata basis from all Allocation Options
         to which your Contract Value is then allocated. Systematic
         withdrawals from the DCA Option are permitted.

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         DEFERRAL OF PAYMENTS OR TRANSFERS FROM THE GENERAL ACCOUNT: We
         reserve the right to defer payment for a withdrawal or transfer from
         the DCA Option for the period permitted by law, but for not more than
         six months after a request in Good Order is received by us at the
         Annuity Service Center.


Except as modified herein, all terms and conditions of the Contract remain
unchanged.


Signed for Pruco Life Insurance Company




By  Clifford E. Kirsch
    Secretary


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