FUND PARTICIPATION AGREEMENT



THIS AGREEMENT, made and entered into this 1st day of February 2005 (the

"Agreement") by and among Pruco Life Insurance Company of New Jersey, organized

under the laws of the State of New Jersey, Pruco Life Insurance Company,

organized under the laws of the State of Arizona (collectively, the "Company"),

on behalf of itself and each separate account of the Company named in Schedule A

to this Agreement, as may be amended from time to time (each separate account

referred to as the "Separate Account" and collectively as the "Separate

Accounts"); Gartmore Variable Insurance Trust, an open-end management investment

company organized as a business trust under the laws of the Commonwealth of

Massachusetts (the "Trust"); Gartmore Global Asset Management Trust, a

corporation organized under the laws of the State of Delaware and investment

adviser to the Trust (the "Adviser"); and Gartmore Distribution Services, Inc.,

a corporation organized under the laws of the State of Delaware and principal

underwriter/distributor of the Trust (the "Distributor").



WHEREAS, the Trust engages in business as an open-end diversified, management

investment company and was established for the purpose of serving as the

investment vehicle for separate accounts established for variable life insurance

contracts and variable annuity contracts to be offered by insurance companies

which have entered into participation agreements substantially similar to this

Agreement (the "Participating Insurance Companies"), except for those agreements

between the Trust and Nationwide Insurance or its affiliates, and



WHEREAS, beneficial interests in the Trust are divided into several series of

shares, each representing the interest in a particular managed portfolio of

securities and other assets (each, a "Fund" and collectively, the "Funds"); and



WHEREAS, the Company, as depositor, has established the Separate Accounts to

serve as investment vehicles for certain variable annuity contracts and variable

life insurance policies and funding agreements offered by the Company set forth

on Schedule A (the "Contracts"); and



WHEREAS, the Separate Accounts are duly organized, validly existing segregated

asset accounts, established by resolutions of the Board of Directors of the

Company under the insurance laws of the State of Connecticut, to set aside and

invest assets attributable to the Contracts; and



February 1, 2005                                                    Page 1 of 27



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WHEREAS, to the extent permitted by applicable insurance laws and regulations,

the Company intends to purchase shares of the Funds named in Schedule B, as such

schedule may be amended from time to time (the "Designated Funds") on behalf of

the Separate Accounts to fund the Contracts; and



WHEREAS, the Distributor is authorized to sell such shares of the Designated

Funds to unit investment trusts such as the Separate Accounts at net asset

value.



NOW, THEREFORE, in consideration of their mutual promises, the Company, the

Trust, the Adviser and the Distributor agree as follows:



                         ARTICLE I - SALE OF FUND SHARES



1.1   The Distributor agrees to sell to the Company those shares of the

      Designated Funds which the Company orders on behalf of each Separate

      Account, executing such orders on a daily basis at the net asset value

      next computed after receipt and acceptance by the Trust or its designee of

      the order for the shares of the Trust. For purposes of this Section 1.1,

      the Company will be the designee of the Trust solely for the purpose of

      receiving such orders from each Separate Account and receipt by such

      designee will constitute receipt by the Trust; provided that the Company

      provides the Trust with a purchase order by 9:00 a.m. Eastern Time on the

      next following Business Day. "Business Day" will mean any day on which the

      New York Stock Exchange is open for trading and on which the Trust

      calculates its net asset value pursuant to the rules of the Securities and

      Exchange Commission (the "Commission"). The Trust may net the redemption

      requests it receives from the Company under Section 1.3 of this Agreement

      against the purchase orders it receives from the Company under this

      Section 1.1 for each Designated Fund.



1.2   The Company will transmit payment for shares of any Designated Fund

      purchased by 2:00 p.m. Eastern Time on the same Business Day an order to

      purchase shares of the Designated Fund is provided to the Trust in

      accordance with Section 1.1. Payment will be made in federal funds

      transmitted by wire. Upon receipt by the Trust of the payment, such funds

      shall cease to be the responsibility of the Company and shall become the

      responsibility of the Trust.



1.3   The Trust agrees to redeem, upon the Company's request, any full or

      fractional shares of the Designated Funds held by the Company, executing

      such requests on a daily basis at the net asset value next computed after

      receipt and acceptance by the Trust or its designee of the request for

      redemption. For purposes of this Section 1.3, the Company will be the

      designee of the Trust solely for receipt of requests for redemption from

      each Separate Account and receipt by such designee will constitute



February 1, 2005                                                    Page 2 of 27



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      receipt by the Trust; provided that the Company provides the Trust with a

      redemption request by 9:00 a.m. Eastern Time on the next following

      Business Day. Payment will be made in federal funds transmitted by wire to

      the Company's account as designated by the Company in writing from time to

      time, by 2:00 p.m. Eastern Time on the same Business Day the Trust

      receives notice of the redemption order from the Company. After consulting

      with the Company, the Trust reserves the right to delay payment of

      redemption proceeds, but in no event may such payment be delayed longer

      than the period permitted under Section 22(e) of the Investment Company

      Act of 1940 (the "1940 Act"). The Trust will not bear any responsibility

      whatsoever for the proper disbursement or crediting of redemption

      proceeds; the Company alone will be responsible for such action. If a

      redemption request is received after 9:00 a.m. Eastern Time, such

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