Prudential Variable Appreciable Account – ‘485BPOS’ on 4/16/04 – EX-99.L

On: Friday, 4/16/04, at 12:06pm ET · Effective: 4/16/04 · Accession #: 828972-4-4 · File #: 33-20000

  As Of                Filer                Filing    For·On·As Docs:Size

 4/16/04  Prudential Var Appreciable Acct   485BPOS     4/16/04    6:2.1M

Post-Effective Amendment
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 485BPOS     Pru Val - 2004                                      HTML   2.15M 
 2: EX-99.K     Legal Opinion and Consent                           HTML      8K 
 4: EX-99.L     Actuariel Opinion and Consent                       HTML      7K 
 5: EX-99.M     Pru Val Calculation                                 HTML     11K 
 3: EX-99.N     Pwc Consent                                         HTML      5K 
 6: EX-99.Q     Exhibit 27.Q                                        HTML     64K

EX-99.L — Actuariel Opinion and Consent

This exhibit is an HTML Document rendered as filed. [ Alternative Formats ]

Exhibit 27(l)

April 9, 2004

The Prudential Insurance Company of America
715 Broad Street
Newark, New Jersey 07102-37777

To The Prudential Insurance Company of America:

This opinion is furnished in connection with the registration by The Prudential Insurance Company of America (“Prudential”) of Variable Appreciable Life Variable Life Insurance Contracts (the “Contracts”) under the Securities Act of 1933. The prospectus included in Post-Effective Amendment No.26 to Registration Statement No.33-20000 on Form N-6 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.

I have examined the actuarial assumptions and actuarial methods used in determining the hypothetical illustrations of included in the prospectus. In my opinion:

(1)      The  illustrations  of cash  surrender  values,  death benefits  and/or any other values  illustrated  are  consistent  with the provisions of the Contract and the
         Depositor's administrative procedures;
(2)      The rate structure of the Contract has not been designed,  and the  assumptions for the  illustrations  (including  sex, age,  rating  classification,  and premium
         amount and payment schedule) have not been selected,  so as to make the relationship  between premiums and benefits,  as shown in the  illustrations,  appear to be
         materially more favorable than for any other prospective purchaser with different assumptions; and
(3)      The illustrations are based on a commonly used rating classification and premium amount and ages appropriate for the markets in which the Contract is sold.

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
Vice President and Actuary
The Prudential Insurance Company of America

Dates Referenced Herein

This ‘485BPOS’ Filing	Date	Other Filings

Filed on / Effective on:	4/16/04	None on these Dates
	4/9/04
		List all Filings

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Filing Submission 0000828972-04-000004 – Alternative Formats (Word / Rich Text, HTML, Plain Text, et al.)