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	NEW — Our Variable Annuity Tool Kit Attract and motivate prospects in The Retirement Red Zone^® with fresh approaches to starting conversations about their retirement income. Our new VA tool kit includes customizable prospecting letters, talking points and our video tutorial about today's most compelling VA benefit, with Prudential Annuties' unique daily lock-in. GET THE COMPLETE KIT TODAY.

Download	Retirement Income Planner Worksheet— Help Provide Lifetime Income Security Are your clients concerned about possibly outliving their retirement income? Or that market volatility could erode their retirement nest egg? Help clients complete this worksheet by answering a few basic questions, and see the approximate minimum amount of guaranteed annual income you'll be able to offer them for life.

Download	Why Do Individuals Retire When They Do and What Does It Mean for Their Retirement Security? When it comes to retirement security, timing can mean everything. From stock market performance and a spouse's retirement status to the diminished role of defined benefits plans, the perfect retirement moment is increasingly hard to define. This article outlines the findings of Prudential-sponsored research at the University of Missouri, highlights investment risks associated with elective retirement decisions, and discusses implications of this research for financial professionals.

Download	Are Your Clients in The Retirement Red Zone^® Still On Track to a Secure Retirement? The years just before and after retiring are a critical time for many of your clients, when short-term market volatility and other risks can have a devastating long-term impact on their retirement goals. This brochure identifies three key risks to retirement and the importance of working with a financial professional to choose smart solutions that can address those risks.

Download	Help Make Their Best Day Last a Lifetime Here's one smart solution that can help your clients achieve the retirement security they're looking for: a variable annuity with the daily step-up guarantees of our Highest Daily Lifetime Income optional living benefit — available for an additional cost.

Download	A Decade of Progress for Women Planning Their Financial Security This 10th anniversary edition of Prudential's landmark research study, Financial Experience & Behaviors Among Women, looks at the current landscape of women's financial security and preparedness. It identifies the progress women have made, as well as challenges they continue to face in achieving their financial goals.

Download	The African American Financial Experience: 2011 Prudential Research Study Understanding the financial concerns, information preferences, objectives and dreams of the African American population is critical for financial institutions seeking to help this important demographic achieve their goals. This paper details a comprehensive Prudential study, one that seeks to inform a framework for helping African Americans realize the financial and educational needs of the next generation, prepare for a confident future, and achieve retirement security.

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What is a Variable Annuity?

What is a variable annuity? It's a long-term investment designed for retirement purposes. Your money is allocated to professionally managed investment portfolios that you select, where it accumulates tax-deferred. When you retire, your savings can be used to generate a stream of regular income payments that are guaranteed for as long as you live. In addition, variable annuities provide a guaranteed death benefit for your beneficiaries. Variable annuities offered by Prudential companies are available at an annual cost of 0.55 basis points to 1.85 basis points for mortality expense and administration fees, with an additional fee related to the professional investment options. The fees will vary depending on the underlying annuity and investment options selected. Variable annuities also offer optional benefits, such as HD Lifetime Income, which, for an additional annual fee of 0.95% based on the greater of the Account Value and Protected Withdrawal Value, can help you avoid the risk of outliving your retirement income. Account value is not guaranteed, is subject to market fluctuations, and may lose value. The Protected Withdrawal Value is separate from the account value, and not available as a lump sum.

Investment return and principal value of an investment will fluctuate so that an investor's unit values, when redeemed, may be worth more or less than their original cost. Withdrawals or surrenders may be subject to surrender charges. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty. Withdrawals, other than from IRAs or employer retirement plans, are deemed to be gains out first for tax purposes. Withdrawals can reduce the living benefit, death benefit, and Account Value. A financial professional can determine if a variable annuity is suitable for his or her client. For more details, see the product prospectus.

An excess withdrawal occurs when your cumulative Lifetime Withdrawals exceed your Annual Income Amount in any annuity year. If an excess withdrawal is taken, only the portion of the Lifetime Withdrawal that exceeds the remaining Annual Income Amount will proportionally reduce your Protected Withdrawal Value and your Annual Income Amount for future years. If a withdrawal in excess of the Annual Income Amount reduces the account value to zero, no further amount would be payable under either benefit and the contract terminates.

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Optional living benefits may not be elected in conjunction with certain optional benefits. Optional benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. The benefit fees are in addition to fees and charges associated with the basic annuity. Please see the prospectus for more information.

Highest Daily Lifetime Income and Spousal Highest Daily Lifetime Income use a predetermined mathematical formula to help us manage your guarantee through all market cycles. Each business day, the formula determines if any portion of the account value needs to be transferred into or out of the AST Investment Grade Bond Portfolio (the "Bond Portfolio"). Amounts transferred by the formula depend on a number of factors unique to your individual annuity and include:

(i) The difference between the account value and the Protected Withdrawal Value;
(ii) How long you have owned Highest Daily Lifetime Income or Spousal Highest Daily Lifetime Income;
(iii) The amount invested in, and the performance of, the permitted subaccounts;
(iv) The amount invested in, and the performance of, the Bond Portfolio; and
(v) The impact of additional purchase payments made to and withdrawals taken from the annuity.

Therefore, at any given time, some, most, or none of the account value may be allocated to the Bond Portfolio. Transfers to and from the Bond Portfolio do not impact any income guarantees that have already been locked in. The Protected Withdrawal Value is separate from the account value, and not available as a lump sum.

Any amounts invested in the Bond Portfolio will affect your ability to participate in a subsequent market recovery within the permitted subaccounts. Conversely, the account value may be higher at the beginning of the market recovery; e.g., more of the account value may have been protected from decline and volatility than it otherwise would have been had the benefit not been elected. Please note: We are not providing investment advice through the formula. You may not allocate purchase payments or transfer account value into or out of the Bond Portfolio. See the prospectus for complete details.

All references to account value assume no investment in any available Market Value Adjustment Options.

The benefit payment obligations arising under the annuity contract guarantees, rider guarantees, or optional benefits and any fixed account crediting rates or annuity payout rates are backed by the claims-paying ability of the issuing insurance company. Those payments and the responsibility to make them are not the obligations of the third party broker/dealer from which this annuity is purchased or any of its affiliates. They are also not obligations of any affiliates of the issuing insurance company. None of them guarantees the claims-paying ability of the issuing insurance company.

All guarantees, including optional benefits, do not apply to the underlying investment options.

Fixed income investments are subject to risk, including credit and interest rate risk. Because of these risks, a subaccount's share value may fluctuate. If interest rates rise, bond prices usually decline. If interest rates decline, bond prices usually increase.

Unparalleled Choice is based on the offering of our asset allocation portfolios spanning four diverse strategies and compared to the top 15 advisor-sold annuities. (Source: Research by Prudential Annuities, December 2011)

Your needs and suitability of annuity products and benefits should be carefully considered before investing.

Issued on riders: P-RID-HD(1/11), P-RID-HD(1/11)-NY, P-RID-HD-LIA(1/11)

Investors should consider the contract and the underlying portfolios’ investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained from your financial professional or from the prospectus page. Please read the prospectus carefully before investing.

Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with complete details.

Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential companies and each is solely responsible for its own financial condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc. Reference to Prudential Annuities as the Highest Daily Company is for marketing purposes only, and does not mean that Prudential Annuities is a corporation or any other legal entity organized under State or Federal law.

Prudential Annuities, Prudential, the Prudential logo, the Rock symbol and The Retirement Red Zone are service marks of Prudential Financial, Inc. and its related entities.

0165398-00017-00 Ed. 04/2012