SUPPLEMENT DATED JANUARY 3, 2000
TO PROSPECTUS DATED NOVEMBER 10, 1999 FOR
PRUCO LIFE VARIABLE UNIVERSAL ACCOUNT
PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT
PruSelectSM III Variable Life Insurance Contracts
The following is inserted immediately preceding the "REQUIREMENTS FOR ISSUANCE
OF A CONTRACT" section, page 12.
REDUCTION OF CHARGES
We reserve the right to reduce the sales charges and/or other charges on certain
multiple life sales, where it is expected that the amount or nature of such
multiple sales will result in savings of sales, administrative or other costs.
We determine both the eligibility for such reduced charges, as well as the
amount of such reductions, by considering the following factors:
(1) the number of individuals; (2) the total amount of premium payments
expected to be received from these Contracts;
(3) the nature of the association between these individuals, and the
expected persistency of the individual Contracts;
(4) the purpose for which the individual Contracts are purchased and
whether that purpose makes it likely that costs will be reduced; and
(5) any other circumstances which we believe to be relevant in determining
whether reduced costs may be expected.
Some of the reductions in charges for these sales may be contractually
guaranteed. We may withdraw or modify other reductions on a uniform basis. Our
reductions in charges for these Contracts will not be unfairly discriminatory to
the interests of any Contract owners.
CVUL3-SUP Ed. 1/2000
