EXHIBIT 30(d)(xxxviii)

RIDER FOR TERM INSURANCE BENEFIT ON LIFE OF

INSURED--DECREASING AMOUNT AFTER THREE YEARS

This benefit is a part of this contract only if it is included in the list of supplementary benefits on the contract data pages.

BENEFIT

We will pay an amount under this benefit if we receive due proof that the Insured died: (1) in the term period for the benefit; and (2) while this contract is in force and not in default beyond the last day of the grace period. Any proceeds under this contract that may arise from the Insured's death will include this amount. But our payment is subject to all the provisions of the benefit and of the rest of this contract.

We will use the table below to compute the amount we will pay. We show the initial amount of term insurance under this benefit on the contract data pages. We also show the term period for the benefit there. It starts on the contract date, which we show on the first page. The anniversary at the end of the term period is part of that period.

TABLE OF AMOUNTS OF INSURANCE

AMOUNTS PAYABLE

We show here the amount we will pay, based on the Insured's issue age, for each $1,000 of initial amount of term insurance if death occurs in the contract year ending with the anniversary shown.

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ISSUE AGE

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ANNIVER-

SARY

18 19 20 21 22 23 24 25 26 27 28

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1 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000

2 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000

3 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000

4 978 977 977 976 976 975 974 974 973 972 971

5 956 955 953 952 951 950 949 947 946 944 943

6 933 932 930 929 927 925 923 921 919 917 914

7 911 909 907 905 902 900 897 895 892 889 886

8 889 886 884 881 878 875 872 868 865 861 857

9 867 864 860 857 854 850 846 842 838 833 829

10 844 841 837 833 829 825 821 816 811 806 800

11 822 818 814 810 805 800 795 789 784 778 771

12 800 795 791 786 780 775 769 763 757 750 743

13 778 773 767 762 756 750 744 737 730 722 714

14 756 750 744 738 732 725 718 710 703 694 686

15 733 727 721 714 707 700 692 684 676 667 657

16 711 705 698 690 683 675 667 658 649 639 629

17 689 682 674 667 659 650 641 632 622 611 600

18 667 659 651 643 634 625 615 605 595 583 571

19 644 636 628 619 610 600 590 579 568 556 543

20 622 614 605 595 585 575 564 553 540 528 514

21 600 591 581 571 561 550 538 526 513 500 486

22 578 568 558 548 537 525 513 500 486 472 457

23 556 545 535 524 512 500 487 474 459 444 429

24 533 523 512 500 488 475 462 447 432 417 400

25 511 500 488 476 463 450 436 421 405 389 371

26 489 477 465 452 439 425 410 395 378 361 343

27 467 454 442 429 415 400 385 368 351 333 314

28 445 432 419 405 390 375 359 342 324 306 286

29 422 409 395 381 366 350 333 316 297 278 257

30 400 386 372 357 341 325 308 289 270 250 229

31 378 364 349 333 317 300 282 263 243 222 200

32 356 341 325 310 293 275 256 237 216 200 200

33 333 318 302 286 268 250 231 210 200 200 200

34 311 295 279 262 244 225 205 200 200 200 200

35 289 273 256 238 220 200 200 200 200 200 200

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AL 136B

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ISSUE AGE

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ANNIVER-

SARY 18 19 20 21 22 23 24 25 26 27 28

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36 $267 $250 $232 $214 $200 $200 $200 $200 $200 $200 $200

37 245 227 209 200 200 200 200 200 200 200 200

38 222 204 200 200 200 200 200 200 200 200 *

39 200 200 200 200 200 200 200 200 200 *

40 200 200 200 200 200 200 200 200 *

41 200 200 200 200 200 200 200 *

42 200 200 200 200 200 200 *

43 200 200 200 200 200 *

44 200 200 200 200 *

45 200 200 200 *

46 200 200 *

47 200 *

*NO AMOUNT PAYABLE IF DEATH OCCURS

IN THIS CONTRACT YEAR OR ANY LATER CONTRACT YEAR.

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ISSUE AGE

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ANNIVER-

SARY 29 30 31 32 33 34 35 36 37 38 39 40 41 42

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1 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000

2 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 l000

3 1000 1000 1000 1000 l000 1000 1000 1000 1000 1000 1000 1000 1000 1000

4 971 970 969 968 967 966 964 963 962 960 958 957 955 952

5 941 939 938 935 933 931 929 926 923 920 917 913 909 905

6 912 909 906 903 900 897 893 889 885 880 875 870 864 857

7 882 879 875 871 867 862 857 852 846 840 833 826 818 810

8 853 849 844 839 833 828 821 815 808 800 792 783 773 762

9 824 818 813 806 800 793 786 778 769 760 750 739 727 714

10 794 788 781 774 767 759 750 741 731 720 708 696 682 667

11 765 758 750 742 733 724 714 704 692 680 667 652 636 619

12 735 727 719 710 700 690 679 667 654 640 625 609 591 571

13 706 697 688 677 667 655 643 630 615 600 583 565 546 524

14 676 667 656 645 633 621 607 593 577 560 542 522 500 476

15 647 636 625 613 600 586 571 556 538 520 500 478 455 429

16 618 606 594 581 567 552 536 518 500 480 458 435 409 381

17 588 576 563 548 533 517 500 481 462 440 417 391 364 333

18 559 546 531 516 500 483 464 444 423 400 375 348 318 286

19 529 515 500 484 467 448 429 407 385 360 333 304 273 238

20 500 485 469 452 433 414 393 370 346 320 292 261 227 200

21 471 455 438 419 400 379 357 333 308 280 250 217 200 200

22 441 424 406 387 367 345 322 296 269 240 208 200 200 200

23 412 394 375 355 333 310 286 259 231 200 200 200 200 200

24 382 364 344 323 300 276 250 222 200 200 200 200 200 *

25 353 333 313 290 267 241 214 200 200 200 200 200 *

26 324 303 281 258 233 207 200 200 200 200 200 *

27 294 273 250 226 200 200 200 200 200 200 *

28 265 243 219 200 200 200 200 200 200 *

29 235 212 200 200 200 200 200 200 *

30 206 200 200 200 200 200 200 *

31 200 200 200 200 200 200 *

32 200 200 200 200 200 *

33 200 200 200 200 *

34 200 200 200 *

35 200 200 *

36 200 *

*NO AMOUNT PAYABLE IF DEATH OCCURS

IN THIS CONTRACT YEAR OR ANY LATER CONTRACT YEAR.

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AL 136B

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ISSUE AGE

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ANNIVER-

SARY

43 44 45 46 47 48 49 50 51 52 53 54 55

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1 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000 $1000

2 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000

3 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000 1000

4 950 947 944 941 938 933 929 923 917 909 900 889 875

5 900 895 889 882 875 867 857 846 833 818 800 778 750

6 850 842 833 824 813 800 786 769 750 727 700 667 625

7 800 789 778 765 750 733 714 692 667 636 600 556 500

8 750 737 722 706 688 667 643 615 583 545 500 444 375

9 700 684 667 647 625 600 571 538 500 455 400 333 250

10 650 632 611 588 563 533 500 462 417 364 300 222 200

11 600 579 556 529 500 467 429 385 333 273 200 200 *

12 550 526 500 471 438 400 357 308 250 200 200 *

13 500 474 444 412 375 333 286 231 200 200 *

14 450 421 389 353 313 267 214 200 200 *

15 400 368 333 294 250 200 200 200 *

16 350 316 278 235 200 200 200 *

17 300 263 222 200 200 200 *

18 250 211 200 200 200 *

19 200 200 200 200 *

20 200 200 200 *

21 200 200 *

22 200 *

*NO AMOUNT PAYABLE IF DEATH OCCURS

IN THIS CONTRACT YEAR OR ANY LATER CONTRACT YEAR.

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CONVERSION TO ANOTHER PLAN OF INSURANCE

RIGHT TO CONVERT

You may be able to exchange this benefit for a new contract of life insurance on the Insured's life. In any of these paragraphs, when we use the phrase new contract we mean the contract for which the benefit may be exchanged. You will not have to prove that the Insured is insurable.

CONDITIONS

Your right to make this exchange is subject to all these conditions: (1) The amount we would have paid under this benefit if the Insured had died just before the contract date of the new contract must be large enough to meet the minimum for a new contract, as we describe under Contract Specifications. (2) You must ask for the exchange in writing and in a form that meets our needs. (3) You must send this contract to us to be endorsed. (4) We must have your request and the contract at our Home Office while the benefit is in force and at least five years before the end of its term period.

The new contract will not take effect unless the premium for it is paid while the Insured is living and within 31 days after its contract date. If the premium is paid as we state, it will be deemed that: (1) the insurance under the new contract took effect on its contract date; and (2) this benefit ended just before that contract date.

CONTRACT DATE

The date of the new contract will be the date you ask for in your request. But it may not be more than 61 days after the date of your request. It may not be less than five years before the end of the term period for the benefit. And it may not be more than 31 days before we have your request at our Home Office.

CONTRACT SPECIFICATIONS

The new contract will be in the same rating class as this contract. We will set the issue age and the premiums for the new contract in accord with our regular rules in use on its contract date.

AL 136B

The new contract may be on any life or endowment plan we would regularly issue on its contract date for the same rating class, amount, issue age and sex. But it cannot be any of these: (1) a single premium contract; or (2) one that insures anyone in addition to the Insured; or (3) one that includes or provides for term insurance other than extended insurance; or (4) one with premiums that increase after a stated time, if its first premium is less than 80% of any later premium; or (5) one with supplementary benefits other than the benefit to which we refer later in these paragraphs.

Its face amount will be the amount you ask for in your request. But except as we state below, that amount must be an amount we would regularly issue for the plan you choose. And it cannot be less than $10,000 or more than 80% of the amount we would have paid under this benefit if the Insured had died just before the contract date of the new contract. (Since $10,000 is 80% of $12,500, the amount we would have paid must be at least $12,500 for an exchange to be possible.) The face amount you want might be less than the smallest amount would regularly issue on the plan you wish. In that case we will issue a new contract for as low as $10,000 on the Life Paid Up at Age 85 plan if you ask us to do so.

If: (1) the new contract is either on the Life Paid Up at Age 85 plan or has a premium period at least as long as for that plan; (2) this contract has a benefit for waiving or paying premiums in the event of disability; and (3) we would include that kind of benefit in other contracts like the new contract, we will put the benefit in the new contract. The benefit, if any, in the new contract will be the same one, with the same provisions, that we put in other contracts like it on its contract date. In this paragraph, when we use the

phrase other contracts like it, we mean contracts we would regularly issue on the same plan and for the same rating class, amount, issue age and sex.

We will not deny a benefit for waiving or paying premiums that we would have allowed under this contract, and that we would otherwise allow under the new contract, just because disability started before the contract date of the new contract. But any premium to be waived or paid for that disability under the new contract must be at the frequency that was in effect for this contract when the disability started.

We will not waive or pay any premium under a new contract unless it has a benefit for waiving or paying premiums in the event of disability. This will be so even if we have waived or paid premiums under this contract.

CHANGES

You may be able to have this benefit changed to a new contract of life insurance (either with us or with a subsidiary of ours) other than in accord with the requirements for exchange that we state above. Or you may be able to exchange this benefit for an increase in the amount of insurance under this contract. But any change may be made only if we consent, and will be subject to conditions and charges that are then determined.

MISCELLANEOUS PROVISIONS

BENEFIT PREMIUMS AND CHARGES

We show the premiums for this benefit in the Schedule of Premiums in the contract data pages. From each premium payment, we make the deductions shown under Schedule of Deductions from Premium Payments in these pages and the balance is the invested premium amount which is added to the contract fund.

The monthly charge for this benefit is deducted on each monthly date from the contract fund. The amount of that charge is included in the Schedule of Monthly Deductions from the Contract Fund in the contract data pages.

Benefit premiums and monthly charges stop on the contract anniversary at the end of the term period for this benefit.

AL 136B

TERMINATION

This benefit will end on the earliest of:

1. the end of the last day of grace if the contract is in default: it will not continue if a benefit takes effect under any contract value options provision that may be in the contract;

2. the date the contract is surrendered under its Cash Value Option, if it has one;

3. the end of the last day before the contract date of any other contract (a) for which the benefit is exchanged, or (b) to which the benefit is changed;

and

4. the date the contract ends for any other reason.

Further, if you ask us in writing, and we agree, we will cancel the benefit as of the first monthly date on or after we receive your request. Contract premiums and monthly charges due then and later will be reduced accordingly.

This Supplementary Benefit rider attached to this contract on the Contract Date

The Prudential Insurance Company of America,

By /s/ DOROTHY K. LIGHT

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Secretary