Highest Daily Lifetime 7 Plus SM Spousal Highest Daily. Income Guarantees

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1 Income Guarantees Highest Daily Lifetime 7 Plus SM Spousal Highest Daily Lifetime 7 Plus SM Optional benefits are offered under variable annuities issued by Pruco Life Insurance Company (in New York, issued by Pruco Life Insurance Company of New Jersey) and Prudential Annuities Life Assurance Corporation. This material must be preceded or accompanied by the current product prospectus and variable annuity product summary cards. IFS-A Ed. 03/2009

2 Make Your Highest Day Last a Lifetime For many investors, retiring with the greatest income amount possible is an important objective. A variable annuity with HD Lifetime 7 Plus or Spousal HD Lifetime 7 Plus can help you achieve this through highest daily guarantees. Your income can begin at any time and will continue, uninterrupted, for as long as you (or you and your spouse) live - guaranteed! Every Day Counts n We capture your annuity s highest day AND grow that value at an annual 7% compounded rate until your first Lifetime Withdrawal Minimum Guarantees n Guaranteed lifetime income based on between 200% and 600% of your account value at the time of benefit election, provided no Lifetime Withdrawals are taken n Purchase payments will be protected with a Return of Principal Guarantee (For more information on minimum guarantees, see page 7) Greater Income Potential n Receive lifetime income of up to 8%, depending on age at first Lifetime Withdrawal (For more information, see page 3) n Daily opportunities to increase your annual income, once you begin taking lifetime payments HD Lifetime 7 Plus & Spousal HD Lifetime 7 Plus use a predetermined mathematical formula to help 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. For more information on how the guarantee is managed, please see page 9. All guarantees are backed by the claims-paying ability of the issuing company. 1

3 Before Income Begins Your Protected Withdrawal Value (basis for lifetime income) will be the greater of: n The highest value determined by comparing every daily account value growing at an annual 7% compounded rate of return OR n 200%, 400% or 600% of the account value at the time of benefit election, assuming no Lifetime Withdrawals from benefit election for the first 10, 20 and 25 years respectively (For more information, see page 7) Lifetime Withdrawals refer to any withdrawals taken once you begin annual income under the benefits. The Protected Withdrawal Value is available through withdrawals only, provided all contract provisions are met; it is not available as a lump sum. Here s How It Works: HD Lifetime 7 Plus will lock in your highest daily account value and grow it at 7% until your first Lifetime Withdrawal. This line represents your basis for lifetime income, which you can begin drawing from at any time. You reach your highest daily account value You also have minimum guarantees! Let s say your initial purchase payment is $100,000: You purchase an annuity from Prudential companies with HD Lifetime 7 Plus YEARS Account Value This is a hypothetical example for illustrative purposes only. It does not reflect a specific annuity, an actual account value or the performance of any investment. Guarantees are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options. Please note, benefits may not be available in all states. Your minimum basis for lifetime income will be: After 10 years: 200% = $200,000 After 20 years: 400% = $400,000 After 25 years: 600% = $600,000 Also: After 10 years: Return of Principal Guarantee = $100,000 2

4 When Income Begins Receive a higher income amount based on age Depending upon age at first Lifetime Withdrawal, both benefits offer you lifetime payments of up to 8% of your Protected Withdrawal Value, as detailed in the charts below. HD Lifetime 7 Plus Annuitant s age at first Lifetime Withdrawal Income percentage % * % % % 85+ 8% Spousal HD Lifetime 7 Plus Age of younger spouse Income at first Lifetime Withdrawal percentage % * % % % 90+ 8% *If the annuitant or younger spouse, as applicable, is or older, you will receive the 5% income percentage. Increased Withdrawal Flexibility Even if you re not ready to begin lifetime income, you have the flexibility to take one Non-Lifetime Withdrawal without interrupting the daily step-ups and 7% growth of your Protected Withdrawal Value. (For more information, see page 7) Withdrawals are subject to all the terms and conditions of your annuity contract, including any charges that may apply (see details on page 10). Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age , may be subject to an additional 10% federal income tax penalty. Withdrawals, for tax purposes, are deemed to be gains out first. Withdrawals can reduce the living benefit, death benefit and account value. 3

5 After Income Begins HD Lifetime 7 Plus and Spousal HD Lifetime 7 Plus provide you with opportunities to step up to a higher income after Lifetime Withdrawals begin. On each contract anniversary, the benefits will look back at the highest daily account value for the previous contract year and multiply that value by the withdrawal percentage Here s How It Works: applicable to your current age. If this value is greater than your current annual income, it will be locked in and you can elect to receive a greater withdrawal amount going forward. Please note that your income may not increase simply by reaching a new age-based withdrawal percentage. YEAR 1 YEAR 2 $310,000 $300,000 $15,500 $15,000 An investor, age 65, begins 5% annual income of $15,000 based on a Protected Withdrawal Value of $300,000. During the contract year, her account reaches a highest daily value of $310,000, which exceeds the current Protected Withdrawal Value. In year two, the Annual Income Amount will be $15,500 based on the new highest daily value lock-in of $310,000. Protected Withdrawal Value Highest Daily Value Annual Income Amount Age 65 Age 66 Lock in greater lifetime income, even if your account value has declined 5% withdrawals 6% withdrawals $500,000 $450,000 $27,000 An investor, age 74, begins 5% annual income of based on a Protected Withdrawal Value of $500,000. In the next contract year, her account value declines and the current highest daily value of $450,000 does not exceed her previous lock-in. However, because she is now 75 and in a new age band, a withdrawal percentage of 6% will apply, making her new Annual Income Amount $27,000/year ($450,000 x 6%). Protected Withdrawal Value Highest Daily Value Annual Income Amount Age 74 Age 75 The hypothetical examples above are for illustrative purposes only and do not reflect a specific annuity or the performance of any investment. HD Lifetime 7 Plus and Spousal HD Lifetime 7 Plus are designed to seek the greatest Protected Withdrawal Value possible by locking in step-ups on a daily basis both before and after income begins. The possibility of a step-up after income begins is dependent upon the performance of the underlying subaccounts as well as the difference between your Protected Withdrawal Value and current account value (all of which are net of withdrawals and fees). After income begins, the greater the difference between your Protected Withdrawal Value and current account value, the less likely a step-up is to occur. Please note that upon step-up the fee may be different. Guarantees are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options. 4

6 Lifetime Income Accelerator An optional feature available with HD Lifetime 7 Plus that will double your annual income, should certain conditions render you incapable of caring for yourself. This feature is the first of its kind to provide you with the flexibility to increase your annual income regardless of whether you are still living at home or in a Qualified Nursing Facility. There are two ways that you can become eligible for double annual income: You must be unable to perform two or more activities of daily living which include: bathing, continence, dressing, eating, toileting and transferring. OR Be confined to a Qualified Nursing Facility. Here s How it Works: HD Lifetime 7 Plus with Lifetime Income Accelerator Lifetime income begins and is based on your annuity s highest day growing at 7%. You become eligible for double annual income, which will continue for as long as you remain eligible. $50,000 $50,000 Age This hypothetical example is for illustrative purposes only and does not reflect the performance of any investment. Please note that past performance is not indicative of future results. Additional Information: There is a waiting period of three years following benefit election that will apply before accelerated income can begin. Once we are notified that the eligibility conditions have been met, an elimination period of 120 days (from this notification) must be satisfied before accelerated income can begin. The waiting and elimination periods may run concurrently. Highest Daily Lifetime 7 Plus with Lifetime Income Accelerator is not long-term care insurance and should not be purchased as a substitute for long-term care insurance. The income you receive through the Lifetime Income Accelerator may be used for any purpose, and it may or may not be sufficient to address expenses you may incur for long-term care. You should seek professional advice to determine your financial needs for long-term care. Lifetime Income Accelerator is not available with Spousal HD Lifetime 7 Plus and may not be available in all states and/or broker dealers. 5

7 Beneficiary Income Option An optional feature available with both HD Lifetime 7 Plus and Spousal HD Lifetime 7 Plus that offers your beneficiaries the option of either continuing to receive your Annual Income Amount or receiving the base death benefit included in the underlying annuity. Payments will continue, uninterrupted, until the Protected Withdrawal Value is depleted.* Please note, when electing the Beneficiary Income Option, your Protected Withdrawal Value will grow only for the first 10 years from benefit election or until the first Lifetime Withdrawal (whichever is sooner); minimum guarantees of 400% and 600% do not apply. Here s How it Works: HD Lifetime 7 Plus with Beneficiary Income Option You begin income from HD Lifetime 7 Plus with Beneficiary Income Option, based on a Protected Withdrawal Value of $500,000. After drawing income for five years, you pass away at age 70. Your beneficiary has the option of either continuing to receive the annual income until the Protected Withdrawal Value is depleted or receiving the base death benefit in the annuity. Benefit Under Beneficiary Income Option $375,000 Remaining Protected Withdrawal Value which equals an income of for 15 years OR $200,000 Base death benefit Age This hypothetical example is for illustrative purposes only and does not reflect the performance of any investment. Please note that past performance is not indicative of future results. *The Beneficiary Income Option is available through a stream of annual income payments only; it is not available as a lump sum. 6

8 Additional Features Minimum Income Guarantees of 200%, 400% and 600% after 10, 20 and 25 years respectively based on your account value at the time of benefit election, provided no Lifetime Withdrawals have been taken. The Non-Lifetime Withdrawal (as described below) will proportionally reduce the 10-, 20-, and 25-year guarantees as well as the Return of Principal Guarantee and the current Protected Withdrawal Value. If the minimum guarantee exceeds your current Protected Withdrawal Value, then it will become your new basis for lifetime income and will continue to grow at a compounded 7% rate until your first Lifetime Withdrawal. Minimum guarantees of 400% and 600% do not apply to the Beneficiary Income Option. Increased Withdrawal Flexibility allows you to take one Non-Lifetime Withdrawal, as long as it does not exceed the amount required to keep your annuity in force. The Non-Lifetime Withdrawal will not lock in your Annual Income Amount; therefore your daily step-ups and guaranteed 7% growth will continue uninterrupted. Your benefit guarantees will continue to be available but will be proportionally reduced by the total amount of the withdrawal based upon the percent the withdrawal amount represents of the then-current account value. Return of Principal Guarantee helps provide you with an added level of protection. If upon the 10th benefit anniversary you have not taken any withdrawals and your current account value is less than the Principal Value, we will credit the difference directly into your annuity s account value. The Principal Value is defined as the account value on the date of benefit election plus any additional purchase payments and applicable credits received within one year from benefit election. The Return of Principal Guarantee is not available in the state of Washington. For complete details on any of these features, please see the product prospectus. At A Glance Optional Benefit HD Lifetime 7 Plus Spousal HD Lifetime 7 Plus OPTIONAL BENEFIT COST* 0.75% 0.90% Minimum Issue Age 45 (annuitant) 50 - Younger spouse 55 - Older spouse Maximum Issue Age Subject to the annuity product chosen and may vary by broker/dealer Flexible Election Options** May be elected or cancelled at any time HD Lifetime 7 Plus with Lifetime Income Accelerator 1.10% 45 (annuitant) 75 May be elected or cancelled at any time HD Lifetime 7 Plus with Beneficiary Income Option Spousal HD Lifetime 7 Plus with Beneficiary Income Option 1.10% 45 (annuitant) 50 - Younger spouse 55 - Older spouse (applies to both spouses) May be elected or cancelled at any time * Benefit charges are assessed quarterly against the greater of the Account Value and the Protected Withdrawal Value (adjusted for withdrawals and premiums). Fees will be taken pro-rata across all subaccounts, including the AST Investment Grade Bond Portfolio, if applicable. Please note that, upon step-up, the fees may be different. ** You may cancel any of the benefits at any time without penalty. After cancellation, you will no longer be charged for the benefit. If cancelled, the benefit may be re-elected on any day beginning with the following business day (provided investment allocation requirements are in good order). May vary by broker/dealer. Please note that any and all guarantees are lost upon cancellation. The Beneficiary Income Option and Lifetime Income Accelerator may not be elected on the same contract. Please refer to the prospectus for complete details. 7

9 Flexible Investment Options We offer a wide range of asset allocation options spanning four diverse investment strategies, including portfolios featuring access to the latest alternative strategies. You can choose to invest in one or to blend any combination of portfolios, which may help to lower volatility and provide the potential for greater returns. Or you can choose to create your own personalized portfolio by selecting from a broad spectrum of individual investment options.* Please work with your financial professional to select the investments that are most appropriate for you. TRADITIONAL QUANTITATIVE Offers an active management style based on longer-term views of capital markets. Multi-Manager & Single Manager Stocks & Bonds Domestic & International Offers a disciplined, quantitative approach to portfolio management. Defined Mathematical Models Market Index-Based Removes Human Emotion from Investment Process TACTICAL alternative Offers an active management style based on shorter-term views of capital markets. Active Asset Allocation Management Multi-Manager Traditional Asset Classes & Exchange-Traded Funds Offers concepts used by some top university endowment fund managers. Traditional & Non-Traditional Asset Classes (Domestic/Global Real Estate, Emerging Markets Debt, TIPS, Commodities, Private Equity, Currency) Absolute Return Focus Long & Short Positions * When creating your own portfolio, certain subaccount limitations may apply and you will need to maintain a minimum 20% allocation to one or more of the eligible bond subaccounts. For a list of available asset allocation portfolios and subaccounts, please refer to the Investment Allocation Form. Asset allocation does not ensure a profit or protect against loss. Certain asset allocation portfolios may not be available with optional benefits. Alternative investments are speculative and include a high degree of risk. You could lose all or a substantial amount of your investment without a guarantee. Alternative investments are suitable only for long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. 8

10 What Else You Need to Know A variable annuity is appropriate for long-term investing and designed for retirement purposes. An annuity can help you manage investment risks in many ways, including the ability to invest in equities, fixed income and other securities through a broad range of professionally managed investment options. An annuity also provides payment options to help meet your income needs. How will my guarantee be managed? Highest Daily Lifetime 7 Plus and Spousal Highest Daily Lifetime 7 Plus use a predetermined mathematical formula to help manage your guarantee through all market cycles. Each business day, the formula determines if any portion of your 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 7 Plus or Spousal Highest Daily Lifetime 7 Plus; (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 (the basis for guaranteed lifetime income) is separate from the account value, and only available through withdrawals, not as a lump sum. Any amounts invested in the Bond Portfolio will affect your ability to participate in a subsequent recovery within the Permitted Subaccounts. Conversely, the account value may be higher at the beginning of the 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 see the prospectus for complete details. Fixed income investing is subject to risk, including credit and income rate risk. Because of these risks, a fund s share value may fluctuate. If interest rates rise, bond prices usually decline; if interest rates decline, bond prices usually increase. 9

11 How do additional purchase payments and Lifetime Withdrawals affect the benefits? Prior to your first Lifetime Withdrawal, additional purchase payments will increase the Protected Withdrawal Value dollar-for-dollar by the amount of the purchase payment. Additional purchase payments will be added to the minimum income guarantees in these amounts: 200%, 400% and 600% of all purchase payments (and any purchase credits) made within 12 months after benefit election on the 10th, 20th and 25th anniversaries, respectively; 100% of purchase payments (and any purchase credits) made more than 12 months after benefit election. After your first Lifetime Withdrawal, additional purchase payments will increase the Annual Income Amount by the income percentage established at the time of your first Lifetime Withdrawal or the most recent step-up, if applicable. Lifetime Withdrawals are taken on a pro-rata basis and reduce the Protected Withdrawal Value dollar-for-dollar for annual withdrawals less than or equal to your Annual Income Amount. All withdrawals of taxable amounts will be subject to ordinary income tax and, if prior to age 59½, may be subject to a 10% federal income tax penalty. What if I take a Lifetime Withdrawal that exceeds my current Annual Income Amount? For both HD Lifetime 7 Plus and Spousal HD Lifetime 7 Plus, 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 an excess withdrawal reduces your Annual Income Amount to zero, no further amount would be payable under either benefit. Additionally, for qualified annuities, Lifetime Withdrawals taken as a result of a Required Minimum Distribution (RMD) do not reduce the Annual Income Amount for future years, even if they exceed program limits. However, if a RMD is taken within 10, 20 and 25 years from benefit election, you will not be eligible to receive the minimum income guarantees or the Return of Principal Guarantee, unless taken as a Non-Lifetime Withdrawal. Because qualified retirement plans, IRAs and variable annuities all offer a tax deferral feature, you should carefully consider the other features, benefits, risks and costs associated with a variable annuity before purchasing one in either a qualified plan or an IRA. Before purchasing a variable annuity, you should take full advantage of your 401(k) and other qualified plans. What happens if I pass away while taking Lifetime Withdrawals? Your beneficiaries will receive the base death benefit or any optional death benefit payable under your annuity contract. If your account value is depleted from continued Lifetime Withdrawals under the benefits and no optional death benefits were elected, no death benefit will be payable. However, if you elected the Beneficiary Income Option, your beneficiaries have the option of continuing to receive the annual income payable under the benefits, through a stream of payments, until the Protected Withdrawal Value is depleted. Will I have to annuitize my contract under the benefits? While annuitization is not required to receive income under HD Lifetime 7 Plus or Spousal HD Lifetime 7 Plus, once the latest annuity date is reached under the terms of the annuity contract (age 95 of the oldest owner or annuitant), the contract must be annuitized and the owner may elect to continue to receive the Annual Income Amount under the benefits through a series of annuity payments over the annuitant s life. Other annuity payment options are available. Additionally, any Guaranteed Minimum Death Benefits on the contract will no longer apply upon annuitization. 10

12 one corporate drive shelton, connecticut 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 prospectuses, which can be obtained from your financial professional. You should read the prospectuses carefully before investing. Your needs and the suitability of an annuity product should be carefully considered before investing. When evaluating your needs, please consider all variable annuities available from Prudential Financial companies. This material was prepared to support the promotion and marketing of variable annuities available through Prudential. Prudential, its affiliates, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisor as to any tax, accounting or legal statements made herein. The AST Investment Grade Bond Portfolio will invest in a diversified portfolio of high-quality bonds and other securities and instruments. Although it may invest in individual bonds of any maturity, the average duration is expected to be within six months of the Barclay s Capital U.S Year Government/Credit Index, the subaccount s primary benchmark. The Barclay s Capital U.S Year Government/Credit Index is the non-securitized component of the U.S. Aggregate Index. It includes Treasuries (i.e., public obligations of the U.S. Treasury that have remaining maturities of more than one year), Government- Related issues (i.e., agency, sovereign, supranational, and local authority debt), and USD Corporates. 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. Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details. Optional benefits have certain investment, holding period, liquidity and withdrawal limitations and restrictions. Optional benefits may not be available in every state and may not be elected in conjunction with certain optional benefits. The fees for optional benefits are in addition to fees and charges associated with the basic annuity. See the prospectus for more detailed information. Guarantees are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options. Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ, or by Prudential Annuities Life Assurance Corporation, Shelton, CT. All are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. Wachovia Corporation is the majority owner and Prudential Financial, indirectly through subsidiaries, is a minority owner of Wachovia Securities, LLC. Prudential, Prudential Financial, the Rock logo and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America and its affiliates. Prudential Annuities is a business division of Prudential Financial, Inc. Issued on riders: RID-HD7(2/09), RID-HD7-DB(2/09), RID-HD7-LIA(2/09), P-RID-HD7(2/09), P-RID-HD7-DB(2/09), P-RID-HD7-LIA(2/09), et al or state variation thereof. ANNUITIES: NOT FDIC OR GOVERNMENT AGENCY INSURED MAY LOSE VALUE NOT BANK OR CREDIT UNION GUARANTEED ORD IFS-A ED. 03/2009 [WO# AFS0109 MS0109 RJ0109 SBA UBS0209 WS ]

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