PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT
497, 2000-06-28
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                          SUPPLEMENT DATED JULY 3, 2000
                       TO PROSPECTUS DATED MAY 1, 2000 FOR

                      PRUCO LIFE VARIABLE UNIVERSAL ACCOUNT
              PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT

                                 with respect to

            Survivorship Variable Universal Life Insurance Contracts

     The following  replaces the third paragraph  under  Deductions from Premium
Payments, page 12:

     Currently,  we deduct 12% of premiums paid in the first five Contract years
up to the amount of the Sales Load Target  Premium  and 4% of  premiums  paid in
excess  of this  amount.  For  both  Type A  (fixed)  death  benefit  and Type B
(variable) death benefit Contracts,  the Sales Load Target Premium is defined as
the  Lifetime  Premium for a Type A death  benefit,  excluding  any premiums for
riders or extra risk  charges.  We deduct 4% of the  premiums  paid in  Contract
years six through 10, and 2% of premiums paid thereafter. See Premiums, page 17.

SVUL-2SUP (7/00)



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