SUPPLEMENT DATED JULY 31, 1995
TO PROSPECTUS DATED MAY 1, 1995 FOR
THE PRUDENTIAL VARIABLE APPRECIABLE ACCOUNT
Prudential's Variable Appreciable Life(R) Insurance Contracts
The purpose of this supplement is to revise the Premiums section of the
prospectus and Footnotes 3 and 4 to the illustrations on pages T1 and T2.
The third paragraph under Premiums on page 20 is revised to read:
As stated above, your Contract sets forth two Scheduled Premium amounts. Your
first or initial amount is payable from the time you purchase your Contract
until the Contract anniversary immediately following your 65th birthday or the
Contract's 7th anniversary, whichever is later (the "Premium Change Date"). If
your Contract Fund on the Premium Change Date is higher than it would have been
had all Scheduled Premiums been paid when due, maximum contractual charges been
deducted, and only an average net rate of return of 4% been earned, then the
second Scheduled Premium Amount will be lower than the maximum amount stated in
your Contract. You will be told what the amount of your second Scheduled Premium
will be. For examples of what the second Scheduled Premium might be, see
Footnote 3 to the tables on pages T1 through T4.
Footnote 3 to the illustration on page T-1 is revised to read:
For a hypothetical gross investment return of 0%, the second Scheduled Premium
will be $4,726.61. For a gross return of 4%, the second Scheduled Premium will
be $4,438.41. For a gross return of 8%, the second Scheduled Premium will be
$894.06. For a gross return of 12%, the second Scheduled Premium will be
$894.06. The premiums accumulated at 4% interest in column 2 are those payable
if the gross investment return is 4%. For an explanation of why the scheduled
premium may increase on the premium change date, see Premiums.
Footnote 3 to the illustration on page T-2 is revised to read:
For a hypothetical gross investment return of 0%, the second Scheduled Premium
will be $4,726.61. For a gross return of 4%, the second Scheduled Premium will
be $4,411.15. For a gross return of 8%, the second Scheduled Premium will be
$894.06. For a gross return of 12%, the second Scheduled Premium will be
$894.06. The premiums accumulated at 4% interest in column 2 are those payable
if the gross investment return is 4%. For an explanation of why the scheduled
premium may increase on the premium change date, see Premiums.
Footnote 4 to the illustrations on pages T-1 and T-2 is eliminated.
PRUVAL-SUP Ed. 7-95 Catalog No. 64M5759
