VARIABLE INVESTMENT PLAN
August 31, 1999
SUPPLEMENT
To the May 1, 1999 Prospectus for
The Qualified Variable Investment Plan
Offered by The Prudential Insurance Company of America
The following replaces the section titled "MUTUAL FUND OFFER" on page 21 of the
prospectus:
MUTUAL FUND OFFER. We may permit the contractowners to exchange their
contracts for shares of certain mutual funds managed by Prudential Funds
Investment Management LLC, a wholly-owned subsidiary of Prudential. We will
not charge any fee at the time of the exchange. We will waive the following
charges that might otherwise be applicable to a withdrawal or surrender of
the contract: the sales charge on withdrawal, the recapture of additional
amounts, and the annual administrative charge. In addition, the mutual
funds will waive any sales charge that would usually be imposed on the
purchase or sale of the mutual fund shares. If the qualified plan has $1
million or more invested in one or more contracts, the plan will generally
be eligible for Class A shares of the mutual funds. If the qualified plan
has less than $1 million invested in one or more contracts, the plan may be
eligible for Class C shares of the mutual funds if certain eligibility
requirements are met. The plan sponsor, not the participants, may be
required to agree to make a payment approximating the contract's sales
charge if the plan terminates its recordkeeping with Prudential and/or
makes certain withdrawals from the funds while the contract's sales charge
would have been in effect. Before deciding to make any exchanges, you
should carefully read the prospectus for the mutual funds you are
considering. The mutual funds are not variable annuity contracts like the
contracts, and therefore any investment in the mutual funds does not come
with the same features as the contracts, such as the death benefit and the
right to effect an annuity.
