Filed On 4/30/97 · SEC File 2-80513 · Accession Number 950110-97-753
As Of Filer Filing On/For/As Docs:Pgs Issuer Agent
4/30/97 Pruco Life Variable Ins Account 485BPOS 4/30/97 96:415 950110
Subsequent Filing That References This Filing:
5/05/97 Pruco Life Variable Ins Account 497J 1:1 950110
Post-Effective Amendment
Filing Table of Contents
Document/Exhibit Description Pages Size
1: 485BPOS Post-Effective Amendment No. 24 78 497K
2: EX-99.C.1(A) Independent Auditors' Consent 1 22K
3: EX-99.C.1(B) Consent of Independent Accountants 1 23K
4: EX-99.1.A.(1) Resolution 8 37K
5: EX-99.1.A(3)(A) Amended Distribution Agreement 10 41K
6: EX-99.1.A(3)(B) Selected Broker Agreements 9 43K
7: EX-99.1A(3)(C) Schedule of Sales Commissions 3 29K
8: EX-99.1.A(5)(A) Variable Life Insurance Contract 28 174K
9: EX-99.1A(5)(B) Illustrative Tabular Cash Values 10 35K
10: EX-99.1A.5C.1A.5.T Colorado & N. D. Vl-83 Endorsements 24 115K
11: EX-99.1.A.(5)(U) Endorsement Pli 99 1 23K
12: EX-99.1A(5)(V) Virginia Jacket 2± 25K
13: EX-99.1.A.(5)(W) Page 9 to Virginia Issues 2± 28K
14: EX-99.1.A.(5)(X) Page 11 to West Virginia Issues 2± 28K
15: EX-99.1.A.(5)(Y) Page 13 to Virginia Issues 2± 29K
16: EX-99.1.A.(5)(Z) Page 13 to Kentucky Issues 2± 30K
17: EX-99.1.A.(5)(AA) Endorsement Pli 25 1 23K
18: EX-99.1.A.(5)(BB) Endorsement Pli 104 1 24K
19: EX-99.1.A.(5)(CC) Endorsement Pli 134 1 24K
20: EX-99.1.A(5)(DD) Notice of Consumer Information 1 22K
21: EX-99.1.A.(5)(EE) Complaint Procedure Notice 1 22K
22: EX-99.1.A.(5)(FF) Certification of Right to Convert 1 23K
23: EX-99.1.A.(5)(GG) Endorsement Pli 168-85 4± 36K
24: EX-99.1A(10(A) Application for Life Insurance 5± 54K
25: EX-99.1.A(10)(B) Supplement to the Application 1 22K
26: EX-99.1.A(10)(C) Application for Maryland Issues 9± 63K
27: EX-99.1A(10)(D) Application for Connecticut Issues 10± 79K
28: EX-99.1A(10)(E) Application for Missouri Issues 10± 74K
29: EX-99.1A(10)(F) App. for Pennsylvania and S. Carolina Issues 10± 75K
30: EX-99.1A(11) Notice of Withdrawal Right 2 30K
31: EX-99.1.A.(12) Memorandum Describing Pruco Life's Issuance 17 60K
32: EX-99.1A(13)(A) Rider for Insured's Waiver of Premium Benefit 2 32K
33: EX-99.1A(13)(B) Rider for Insured's Accidental Death Benefit 2± 26K
34: EX-99.1A(13)(C) Rider -- Term Insurance Benefit on Life of 3 38K
Insured
35: EX-99.1.A(13)(D) Rider for Option to Purchase Additional 3 42K
Insurance
36: EX-99.1A(13)(E) Rider for Interim Term Insurance Benefit 2± 27K
37: EX-99.1A(13)(F) Rider--Term Ins. Bene on Life of Insured Spse 4 46K
38: EX-99.1.A(13)(G) Rider for Term Insurance Benefit 3 41K
39: EX-99.1A(13)(H) Rider for Impaired Eyesight 1 24K
40: EX-99.1.A.(13)(I) Rider for Insured's Waiver of Premium 2 32K
Benefit.
41: EX-99.1A(13)(J) Insured's Accidental Death Benefit 2± 28K
42: EX-99.1A(13)(K) Aviation Risk Exclusion 2± 27K
43: EX-99.1A(13)(L) Aviation Risk Exclusion 2± 28K
44: EX-99.A(13)(M) Military Aviation Risk Exclusion 2± 25K
45: EX-99.1A(13)(N) Military Aviation Risk Exclusion 2± 27K
46: EX-99.A(13)(O) Level Term Insurance Benefit on Dependent 2 36K
Children
47: EX-99.A(13)(P) Insured's Waiver of Premium Benefit 2 32K
48: EX-99.1A(13)(Q) Insured's Waiver of Premium Benefit 2 32K
49: EX-99.A(13)(R) Insured's Accidental Death Benefit 2± 28K
50: EX-99.1A(13)(S) Insured's Accidental Death Benefit 2± 28K
51: EX-99.1.A(13)(T) Insured's Accidental Death Benefit 2± 28K
52: EX-99.A(13)(U) Level Term Insurance Benefit on Dependent 2± 27K
Children
53: EX-99.A(13)(V) Level Term Insurance Benefit on Dependent 2± 26K
Children
54: EX-99.A(13)(W) Reduced Paid-Up Insurance 2± 25K
55: EX-99.A(13)(X) Exempting Child From Reinstatement 1 22K
56: EX-99.A(13)(Y) Defining Incontestable Period 1 23K
57: EX-99.1A(13)(Z) Modification of Insured's Waiver of Premium 1 22K
58: EX-99.1A(13)(AA) Termination of Benefit 1 22K
59: EX-99.1A(13)(BB) Aviation Risk Exclusion 2± 25K
60: EX-99.1A(13)(CC) Military Aviation Risk Exclusion 2± 25K
61: EX-99.1A(13)(DD) War Risk Exclusion 2± 26K
62: EX-99.1A(13)(EE) Defining Incontestable Period 1 23K
63: EX-99.1A(13)(FF) Suicide in the General Provisions 1 23K
64: EX-99.1A(13)(GG) Defining Incontestable Period 1 23K
65: EX-99.1A(13)(HH) Aviation Risk Exclusion 2± 25K
66: EX-99.1A(13)(II) Military Aviation Risk Exclusion 2± 25K
67: EX-99.1.A.(13)(JJ) Level Term Benefit on Dependent Children 2± 27K
68: EX-99.1A(13)(KK) Insured's Waiver of Premium Benefit 2 32K
69: EX-99.1A(13)(LL) Insured's Accidental Death Benefit 2± 27K
70: EX-99.1A(13)(MM) Ownership and Control 1 23K
71: EX-99.1A(13)(NN) Ownership and Control 1 23K
72: EX-99.A(13)(OO) Rider for Applicant's Waiver of Prem Ben 4± 34K
73: EX-99.1A(13)(PP) Rider for Applicant's Waiver of Premium 4± 34K
Benefit
74: EX-99.1A(13)(QQ) Rider for Applicant's Waiver of Premium 4± 34K
Benefit
75: EX-99.A(13)(RR) Rider for Applicant's Waiver of Premium 4± 34K
Benefit
76: EX-99.A(13)(SS) Rider for Applicant's Waiver of Premium 4± 34K
Benefit
77: EX-99.A(13)(TT) Rider for Applicant's Waiver of Premium 4± 34K
Benefit
78: EX-99.1A(13)(UU) Rider Level Term Ins. Benefit on Life of 2 37K
Insured
79: EX-1.A(13)(VV) Rider for Level Term Insurance Benefit 2± 30K
80: EX-99.A(13)(WW) Special Premium Remittance Plan 1 22K
81: EX-99.1A(13)(XX) Rider for Variable Loan Interest Rate 2 32K
82: EX-99.1A(13)(YY) Variable Loan Interest Rate for Use in 2 32K
Michigan
83: EX-99.1A(13)(ZZ) Special Premium Remittance Plan 1 22K
84: EX-99.1.A(13)(AAA) Rider for Decreasing Term Insurance 7± 59K
Benefit
85: EX-99.1A(13)(BBB) Rider Form Decreasing Term Insurance 7± 57K
Benefit
86: EX-99.1.A(13)(CCC) Rider for Decreasing Term Insurance 6 66K
Benefit
87: EX-99.1.A(13)(DDD) Rider for Decreasing Term Insurance 6 66K
Benefit
88: EX-99.1.A(13)(EEE) Rider for Decreasing Term Insurance 6 67K
Benefit
89: EX-99.1.A.(13)(FFF) Variable Loan Interest Rate for Use in 2 33K
Michigan
90: EX-99.1A(13)(GGG) Variable Loan Interest Rate 2 33K
91: EX-99.1A(13)(HHH) Variable Loan Interest Rate 2 33K
92: EX-99.1A(13)(III) Options on Lapse 4± 36K
93: EX-99.1A(13)(JJJ) Variable Reduced Paid-Up Insurance 2± 25K
94: EX-99.2 Opinion/Consent Re: Acturial Matters 1 25K
95: EX-99.C.(6) Opinion and Consent of Nancy D. Davis 2± 27K
96: EX-27 FDS Pruco Life Variable Insurance Account 2± 24K
EX-99.1A(10(A) · Application for Life Insurance
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EXHIBIT 1.A.(10)(a)
----------------------------------------------------===============================================================================
Part 1 Application for Life Insurance to
[Prudential LOGO] [ ] The Prudential Insurance Company of America
[ ] Pruco Life Insurance Company
A Subsidiary of The Prudential Insurance Company of America
No.
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1a. Proposed Insured's name--first, initial, last (Print) 1b. Sex 2a. Date of birth 2b. Age 2c. Place of birth
M F Mo. Day Yr.
[ ] [ ]
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3. [ ] Single [ ] Married [ ] Widowed [ ] Separated [ ] Divorced 4. Social Security No. / /
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5a. Occupation(s) 5b. Duties
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6. Address for mail No. Street City State Zip
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7a. Kind of policy 7b. Initial amount 8. Accidental death coverage
$ initial amount
If a Variable contract is applied for complete appropriate suitability form. $
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9. Beneficiary: (Include name, age and relationship.) 10. List all life insurance on proposed Insured. Check here if None [ ]
a. Primary (Class 1): Company Initial Yr. Kind Medical
amt. issued (Indiv., Group) Yes No
______________________________________ [ ] [ ]
________________________________________________________________________
_______________________________________________________ [ ] [ ]
________________________________________________________________________
b. Contingent (Class 2) if any: [ ] [ ]
________________________________________________________________________
____________________________________________________ [ ] [ ]
________________________________________________________________________
[ ] [ ]
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11. Other person(s) proposed for coverage including the Applicant for Applicant's Waiver of Premium benefit (AWP)
Relationship to Date of birth Total life insurance
Name--first, initial, last Sex proposed Insured Mo. Day Yr. Age Place of birth in all companies
a. Spouse $
___________________________________________________________________________________________________________________________________
b. $
___________________________________________________________________________________________________________________________________
c. $
___________________________________________________________________________________________________________________________________
d. $
___________________________________________________________________________________________________________________________________
e. $
___________________________________________________________________________________________________________________________________
f. $
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12. Supplementary benefits and riders: a. For proposed Insured b. For spouse, children, Applicant for AWP
Type and duration of benefit Amount Type and duration of benefit Amount
$ $
___________________________________________________________________________________________________________________________________
$ $
___________________________________________________________________________________________________________________________________
$ $
___________________________________________________________________________________________________________________________________
$ $
___________________________________________________________________________________________________________________________________
[ ] Option to Purchase Additional Ins. $ [ ] Applicant's Waiver of Premium benefit
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13. State any special request.
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14. Has any person named in 1a or 11, within the last 12 months:
a. been treated by a doctor for or had a known heart attack, stroke or cancer (including melanoma) other Yes No
than of the skin? ............................................................................................. [ ] [ ]
b. had an electrocardiogram for any physical complaint, or taken medication for high blood pressure? ............. [ ] [ ]
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15. Premium payable [ ] Ann. [ ] Semi-Ann. [ ] Quar. [ ] Mon. [ ] Pay. Budg. [ ] Pru-Matic [ ] Gov't. Allot.
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16. Amount paid $ [ ] None (Must be "None" if either 14a or b is answered "Yes".)
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17. Is a medical examination to be made on: Yes No
a. the proposed Insured? ......................................................................................... [ ] [ ]
b. spouse (if proposed for coverage)? ............................................................................ [ ] [ ]
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18. If 17a or b is "Yes", is it agreed that no insurance will take effect on anyone proposed for coverage until Yes No
the person(s) indicated in 17 have been examined, even if 16 shows that an amount has been paid? ................. [ ] [ ]
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ORD 84376-86 Page 1 (Continued on page 2)
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Continuation of Part 1 of Application
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19. Will this insurance replace or change any existing insurance or annuity in any company on any person named Yes No
in 1a or 11? If "Yes", give their names, name of company, plan, amount, policy numbers and enclose any [ ] [ ]
required state replacement form(s).
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20. Is anyone applying for, or trying to reinstate, life or health insurance on any person named in 1a or 11 in Yes No
this or any company? If "Yes", give amount, details and company. [ ] [ ]
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21. Does any person named in 1a or 11 plan to live or travel outside the United States and Canada within the Yes No
next 12 months? If "Yes", give country(ies), purpose and duration of trip. [ ] [ ]
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22. Has any person named in 1a or 11 operated or had any duties aboard an aircraft, glider, balloon, or like Yes No
device, within the last 2 years, or does any such person have any plans to do so in the future? If "Yes", [ ] [ ]
complete Aviation Questionnaire.
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23. Has any person named in 1a or 11 engaged in hazardous sports such as: auto, motorcycle or power boat Yes No
sports; bobsledding, scuba or skin diving; mountain climbing; parachuting or sky diving; snowmobile [ ] [ ]
racing or any other hazardous sport or hobby within the last 2 years or does any such person plan to
do so in the future? If "Yes", complete Avocation Questionnaire.
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24. Has any person (age 15 or over) named in 1a or 11 in the last 3 years: Yes No
a. had a driver's license denied, suspended or revoked? ......................................................... [ ] [ ]
b. been convicted of three or more moving violations of any motor vehicle law or of driving while under
the influence of alcohol or drugs? ........................................................................... [ ] [ ]
c. been involved as a driver in 2 or more auto accidents? ....................................................... [ ] [ ]
If "Yes", give name, driver's license number and state of issue, type of violation and reason for license
denial, suspension or revocation.
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25. a. Has the proposed Insured smoked cigarettes within the past twelve months? .............................. Yes [ ] No [ ]
b. Has the spouse (if proposed for coverage) smoked cigarettes within the past twelve months? ............. Yes [ ] No [ ]
c. If the proposed Insured or spouse has ever smoked cigarettes, cigars or a pipe, show date(s) last smoked:
Cigarettes Cigars Pipe
Proposed Insured Mo. _______ Yr. _______ Mo. _______ Yr. _______ Mo._______ Yr. _______
Spouse Mo. _______ Yr. _______ Mo. _______ Yr. _______ Mo._______ Yr. _______
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26. Changes made by the Company. (Not applicable in West Virginia)
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To the best of the knowledge and belief of those who sign below, the statements in this application are complete and true. It
is understood that, if any of the above statements (for example, the smoking data) is a material misrepresentation, coverage
could be invalidated as a result. The beneficiary named in the application is for insurance payable upon death of (1) the Insured,
and (2) an insured child after the death of the Insured if there is no insured spouse.
When the Company gives a Limited Insurance Agreement form, ORD 84376A-86, of the same date as this Part 1, coverage will start as
shown in that form. Otherwise, no coverage will start unless: (1) a contract is issued, (2) it is accepted, and (3) the full first
premium is paid while all persons to be covered are living and their health remains as stated in Parts 1 and 2. If all these take
place, coverage will start on the contract date. If the Company makes a change as indicated in 26 it will be approved by acceptance
of the contract. But where the law requires written consent for any change in the application, such change can be made only if those
who sign this form approve the change in writing. No agent can make or change a contract, or waive any of the Company's rights or
needs.
Ownership: Unless otherwise asked for above, the owner of the contract will be (1) the applicant if other than the proposed Insured,
otherwise (2) the proposed Insured. But this is subject to any automatic transfer of ownership stated in the contract.
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Signature of Proposed Insured (If age 8 or over)
Dated at on , 19
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(City/State) Signature of Applicant (If other than proposed Insured --
If applicant is a firm or corporation, show that company's name
Witness By
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(Licensed agent must witness where required by law) (Signature and title of officer signing for that company)
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ORD 84376-86 Page 2
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Part 2 of Application--Complete on persons indicated if anyone named in 1a & 11 of Part 1 is eligible on a non-medical basis.
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Complete 1 only on Proposed Insured's family 2. Height and weight of:
1. Family Living Dead a. Proposed Insured Ht. __________ Wt. __________
Record (give age) Cause of Death Age Year b. Spouse Ht. __________ Wt. __________
c. Applicant for AWP Ht. __________ Wt. __________
Father
--------------------------------------------------------------- Has the weight changed more than 10 pounds in the past year
Mother on any person proposed for coverage? Yes [ ] No [ ] (If "Yes",
--------------------------------------------------------------- give name and reason for change)
Brothers -------------------------------------------------
---------------------------------------------------------------
Sisters -------------------------------------------------
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3. When was a doctor last consulted by: a. Proposed Insured? b. Spouse? c. Applicant for AWP?
(Give details in 10.) Mo. _____ Yr. _____ Mo. _____ Yr. _____ Mo. _____ Yr. _____
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4. Is any person to be covered now being treated or taking medicine for any condition or disease? ............. Yes [ ] No [ ]
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5. Has any person to be covered ever: Yes No
a. had any surgery or been advised to have surgery and has not done so? ............................................ [ ] [ ]
b. been in a hospital, sanitarium or other institution for observation, rest, diagnosis or treatment? .............. [ ] [ ]
c. used or is any such person now using valium or other tranquilizers; barbiturates or other sedatives; marijuana,
cocaine, hallucinogens or other mood-altering drugs; heroin, methadone or other narcotics; amphetamines or
other stimulants; or any other narcotics or controlled substances, except as legally prescribed by a doctor? .... [ ] [ ]
d. been treated or counseled for alcoholism or other drug dependency? .............................................. [ ] [ ]
e. had life or health insurance declined, postponed, changed, rated-up or withdrawn? ............................... [ ] [ ]
f. had life or health insurance canceled, or its renewal or reinstatement refused? ................................. [ ] [ ]
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6. Has any person to be covered ever been treated by a doctor for or had any known sign of:
Yes No Yes No
a. high blood pressure? ................... [ ] [ ] d. asthma, emphysema or tuberculosis? ....................... [ ] [ ]
b. chest pain, pressure or discomfort? .... [ ] [ ] e. tumor, cancer, leukemia, diabetes or syphillis? .......... [ ] [ ]
c. heart murmur or rheumatic fever? ....... [ ] [ ] f. nervous trouble, convulsions, epilepsy or mental disorder? [ ] [ ]
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7. Other than as shown above, has any person to be covered ever been treated by a doctor for or had any known sign of a disease
or disorder of the: Yes No Yes No
a. heart, arteries or veins? .............. [ ] [ ] e. kidney, bladder, genital organs or urinary tract? ........ [ ] [ ]
b. lungs, chest or throat? ................ [ ] [ ] f. liver, gallbladder, stomach, intestines or rectum? ....... [ ] [ ]
c. brain or nervous system? ............... [ ] [ ] g. blood, glands or skin? ................................... [ ] [ ]
d. spine, joints, skull or other bones? ... [ ] [ ] h. ears, eyes, nose or sinuses? ............................. [ ] [ ]
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8. Other than as shown above, in the past 5 years has any person to be covered: Yes No
a. consulted or been attended or examined by any doctor or other practitioner? ...................................... [ ] [ ]
b. had electrocardiograms, X-rays for diagnosis or treatment, or blood, urine, or other medical tests? .............. [ ] [ ]
c. made claim for or received benefits, compensation, or a pension because of sickness or injury? ................... [ ] [ ]
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9. Does any person to be covered now have a known sign of any physical disorder, disease or defect not shown above? Yes [ ] No [ ]
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10. What are the full details of the answer to 3 and to each part of 4 thru 9 which is answered "Yes"?
Name & Illness, operation or other reason. Reason for any Dates and Full names and addresses
Question No. check-up, doctor's advice, treatment and medication. duration of illness of doctors and hospitals
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
___________________________________________________________________________________________________________________________________
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To the best of my knowledge and belief the above statements are complete and true. It is understood that, if any of the above
statements is a material misrepresentation, coverage should be invalidated as a result.
, 19
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Date Witness Signature of Proposed Insured (If age 15 or over) otherwise Applicant
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ORD 84376-86 Page 3
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