Your Best Day Can Last A Lifetime.

Highest Daily Lifetime Income Benefit Your Best Day Can Last A Lifetime. Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. This material must be accompanied by a current variable annuity product prospectus and the applicable variable annuity summary card. 0169561-00008-00 Ed. 01/2011

Powerful Guarantees to Help Secure Your Future The Challenges of Retirement. Today, people are faced with unprecedented challenges when it comes to preparing for retirement. The future of Social Security is, at best, uncertain and traditional pension plans offered by many employers are disappearing. And if you re in the critical years before and after retirement what Prudential calls The Retirement Red Zone you face additional risks that could further threaten your future income in retirement: Retirement Longevity People are living longer, which is good news on one hand, but also a concern as retirees may need a steady stream of income that lasts up to 30 years or more Rising Costs Taxes, healthcare, inflation and other rising costs can all significantly affect your lifestyle in retirement Market Volatility Recent events have shown that ill-timed downturns can have a devastating impact on the portfolios of Retirement Red Zone investors A Guaranteed Income Solution. Prudential Annuities is addressing these challenges by offering a way to help guarantee your retirement income while also helping protect it against market volatility. It s an optional benefit, available on Prudential Premier Retirement Variable Annuities,* called Highest Daily (HD) Lifetime Income. Available beginning at age 45, for an additional fee, the benefit helps provide you with increased income by capturing your annuity s highest daily value and growing that value at an annual 5% compounded rate until you begin taking lifetime income. With this innovative benefit, every day is another opportunity to increase your income for retirement. In addition, Prudential Annuities offers a similar benefit called Spousal HD Lifetime Income that provides lifetime income guarantees for both you and your spouse. Read on to find out how a variable annuity with HD Lifetime Income can help you create the income security you re looking for in retirement. * HD Lifetime Income is also available with the Prudential Premier Advisor Variable Annuity. A Prudential Premier Retirement Variable Annuity + Highest Daily Lifetime Income + Flexible Investment Options = Guaranteed Lifetime Income 2 of 16

Three Steps to Creating a Lifetime of Income 1 STEP ONE: Start with a Prudential Premier Retirement Variable Annuity While stocks, bonds and mutual funds have long been familiar ground for investors, fewer people are familiar with variable annuities. Put simply, a variable annuity is a long-term investment designed to provide payout options to help meet your needs in retirement. A Variable Annuity: Is intended for long-term retirement investing Accumulates tax-deferred Provides payout options Offers death benefits for your beneficiaries 2 STEP TWO: Add the Powerful Income Guarantees of HD Lifetime Income When you add HD Lifetime Income to your variable annuity you ll enjoy additional advantages. The highest daily step-ups, together with the 5% compounded growth, allow your retirement income base to benefit from market upswings while also being protected against market downturns. It s this combination of guaranteed growth and income protection that makes the benefit such a popular choice for retirement. HD Lifetime Income will: Help increase your retirement income Help protect it Guarantee it lasts a lifetime 3 STEP THREE: Choose How to Invest Your Money The final step is identifying your initial investment allocation. Prudential Annuities provides unparalleled choice in asset allocation portfolios that allows you to spread your money across different types of investments. This wide range of options includes exposure to both traditional and alternative investments. You can choose to: Invest in one of many actively managed turnkey asset allocation portfolios Take advantage of the flexibility to combine asset allocation portfolios Create a fully customized portfolio from our platform of individual investment options* *Certain investment options may not be available with the benefits. HD Lifetime Income and Spousal HD Lifetime Income 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. Please see page 14 for additional information. All guarantees discussed in this brochure are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options. Please see the prospectus for more information. 3 of 16

Growing and Protecting Your Retirement Income HD Lifetime Income and Spousal HD Lifetime Income offer guaranteed income growth that can help increase your income for retirement, whether the markets are up or down. Daily Step-Up Opportunities. HD Lifetime Income monitors your annuity on a daily basis. The benefit captures your annuity s highest day and grows that value at an annual 5% compounded rate until you begin taking income (Lifetime Withdrawals). These gains are locked in 100% of the time for income purposes and are never given back. Even if markets go down, this income growth is guaranteed. Protected Withdrawal Value: The Basis for Your Retirement Income. The sum of your highest locked-in amount, plus the 5% compounded growth, is your Protected Withdrawal Value. This value becomes the basis for calculating your Annual Income Amount and your Lifetime Withdrawals in retirement. And remember, even if your account value declines, your Protected Withdrawal Value is always locked in and growing until your first Lifetime Withdrawal. It s important to note that the Protected Withdrawal Value is separate from your account value and not available as a lump sum. A Guarantee of Double Your Initial Protected Withdrawal Value. With HD Lifetime Income and Spousal HD Lifetime Income, you also have a minimum guarantee, assuming you ve owned the benefit for 12 years and have not yet started taking Lifetime Withdrawals. Your Protected Withdrawal Value is guaranteed to be at least double (200%) your account value at benefit election if you ve owned the benefit for 12 years. This value would then become your new minimum basis for Lifetime Withdrawals even if the market declines during the 12-year period. All references to account value assume no investment in any available Market Value Adjustment Options. Please see the prospectus for more information. 4 of 16

This line is the Protected Withdrawal Value (PWV), your basis for guaranteed lifetime income in retirement. You may begin taking Lifetime Withdrawals at any time. HD Lifetime Income will lock in your highest days whenever they occur, and grow them at 5% until your first Lifetime Withdrawal. You purchase an annuity with HD Lifetime Income. Account Value You also have a minimum guarantee Let s say your initial purchase payment is $100,000. If you defer taking withdrawals, your Protected Withdrawal Value will be at least: Initial purchase payment $100,000 After 12 years: 200% = $200,000 The hypothetical examples above are for illustrative purposes only. They do not reflect a specific annuity, an actual account value or the performance of any investment. 5 of 16

Creating Predictable Income How HD Lifetime Income Can Generate Income for Life. Okay, let s fast forward to the point where you ve decided to retire. It s now time to put your benefit to work creating lifetime income. This income is guaranteed through Lifetime Withdrawals. These withdrawals can begin at any time and will continue for as long as you live. If you ve elected Spousal HD Lifetime Income, Lifetime Withdrawals will continue for as long as you or your spouse live. An annuity with HD Lifetime Income provides guaranteed Lifetime Withdrawals based on a percentage of your Protected Withdrawal Value. You can determine how often you take your Lifetime Withdrawals (i.e., monthly, quarterly, annually). Withdrawals come from your account value. But if your account value declines, or eventually even goes to zero, your Lifetime Withdrawals will continue for the remainder of your life.* Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59 1 2, may be subject to an additional 10% federal income tax penalty. * Withdrawals or surrenders may be subject to contingent deferred sales charges. Withdrawals, other than from IRAs or employer retirement plans, are deemed to be gains out first for tax purposes. Withdrawals can reduce the account value and the living and death benefits. If an excess withdrawal is taken, it may reduce your account value to zero and no further amount would be payable under the benefit. (Please see page 15 for more information.) 6 of 16

How Much Income Will You Receive? If the adage holds true that things get better with age, then HD Lifetime Income and Spousal HD Lifetime Income are no exception. Your Annual Income Amount is based on a percentage of your Protected Withdrawal Value depending on your age when Lifetime Withdrawals begin. The longer you wait to begin Lifetime Withdrawals, the greater your Annual Income Amount will be. Below are the age-based income percentages for both HD Lifetime Income and Spousal HD Lifetime Income. Age HD Lifetime Income* Spousal HD Lifetime Income* 45-54 55 - less than 59½ 59½ - 84 85+ Withdrawal Percentage 3.0% 4.0% 5.0% 6.0% Withdrawal Percentage 2.5% 3.5% 4.5% 5.5% * HD Lifetime Income withdrawal percentages are based on the age of the annuitant at first Lifetime Withdrawal. Spousal HD Lifetime Income withdrawal percentages are based on the age of the younger spouse at first Lifetime Withdrawal. Access to Your Annuity if You Need It. Before Lifetime Withdrawals begin, you have the flexibility to take one Non-Lifetime Withdrawal that will not interrupt the daily step-ups or the 5% compounded growth of your Protected Withdrawal Value. A Non-Lifetime Withdrawal will proportionally reduce your benefit guarantees by the percentage the withdrawal represents of the current account value. Please see withdrawal disclosure on page 6. Step-Ups Are Possible Even after Income Begins. HD Lifetime Income and Spousal HD Lifetime Income provide the opportunity to continue locking in your highest day, even after you begin taking Lifetime Withdrawals. Each year, at your contract s anniversary and after the first Lifetime Withdrawal, the benefit will look back at your highest daily account value for the previous year (adjusted for any subsequent purchase payments and withdrawals) and multiply that value by the income percentage applicable to your current age. If this value is greater than your current Annual Income Amount, it will automatically be locked in as your new Annual Income Amount going forward and you can elect to receive the greater Lifetime Withdrawals. It is important to understand that after you begin taking Lifetime Withdrawals, your Annual Income Amount will not automatically step up simply because you reach a new age-based income percentage. The possibility of a step-up occurring after Lifetime Withdrawals begin is dependent upon the performance of the underlying subaccounts as well as the difference between your account value and Protected Withdrawal Value. After Lifetime Withdrawals begin, if your Protected Withdrawal Value is significantly higher than your account value, a step-up is less likely to occur. Please note that upon step-up, the fees may be higher. 7 of 16

How We Manage Your Guarantee At Prudential Annuities, we pride ourselves on being an innovator in guaranteed income solutions for retirement. That spirit of innovation is also reflected in our approach to managing your guarantee. When you elect HD Lifetime Income or Spousal HD Lifetime Income, your annuity will be monitored on a daily basis by a predetermined mathematical formula. This formula helps us manage your guarantee through all market cycles by determining if funds should be transferred into or out of the AST Investment Grade Bond Portfolio ( Bond Portfolio ). The primary driver of transfers to and from the Bond Portfolio is the difference between your actual account value and your Protected Withdrawal Value. Therefore, during periods when your annuity s performance is poor, the formula determines if account value should be transferred from your chosen investment options to the Bond Portfolio. When your annuity s performance improves, the formula then determines if a portion of account value should be transferred back to your chosen investment options. The specific amounts transferred depend on factors unique to your individual annuity, including the length of time you ve owned the benefit and the amount you have invested. Also factored in are any additional purchase payments made (including any associated purchase credits) and any withdrawals taken from the annuity. For more details on how your guarantee is managed, refer to page 14. Transfers Are Unique to Your Annuity. A portion of your Account Value 8 of 16

Double Your Income When You May Need It Most Prudential Annuities offers an optional benefit, available for an additional cost, that will double your Annual Income Amount should certain conditions render you incapable of caring for yourself. It s called HD Lifetime Income with Lifetime Income Accelerator (LIA). This unique benefit is the first of its kind in the annuity industry to provide the flexibility to double your Annual Income Amount regardless of whether you are living at home or in a qualified nursing facility. To become eligible, you must meet the following requirements: 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 Wait a period of three years following benefit election before accelerated income can begin Meet an elimination period of 120 days from notification to Prudential Annuities that eligibility conditions have been met before accelerated income can begin The waiting and elimination periods may run concurrently. HD Lifetime Income with Lifetime Income Accelerator You meet all of the requirements and become eligible for double the Annual Income Amount. Annual Income Amount $50,000 per year $50,000 per year $25,000 per year $25,000 per year $25,000 per year $25,000 per year $25,000 per year The hypothetical example above is for illustrative purposes only. It does not reflect a specific annuity, an actual account value or the performance of any investment. Highest Daily Lifetime Income 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 Income and is not available in all states, including New York. 9 of 16

Intelligent and Innovative Investments Once you ve decided to take advantage of a variable annuity with Highest Daily Lifetime Income, you ll need to work with your financial professional to decide how to allocate your investment. Choice You Won t Find in Any Other Annuity. There s a lot at stake when you make investment decisions for your retirement. That s why Prudential Annuities offers you the choice of such a wide range of asset allocation portfolios. Asset allocation is a process in which you diversify your holdings to help manage risk and reduce the impact of market volatility. Over time, it may help increase your potential return. But like any investment approach, it cannot ensure profits or protection against losses. Prudential Annuities has long been a leader in developing asset allocation options. Today, we offer you 16 distinct asset allocation portfolios across four diverse strategies. Traditional Tactical Quantitative Alternative Straightforward approach to investing in stocks and bonds with a long-term market outlook. More opportunistic approach than traditional strategy portfolios, investing with a shorter-term market outlook. Disciplined, analytic approach that uses defined mathematical models and market index-based research. Traditional and non-traditional investments that do not necessarily move in lock step with stocks and bonds. Each of our turnkey asset allocation portfolios has been constructed to be highly efficient as a stand alone variable annuity investment option with its own investment risk and return characteristics. This presents a wide array of options for you and your financial professional to consider.* *Investment options are subject to transfers into or out of the Bond Portfolio as dictated by the predetermined mathematical formula. 10 of 16

Flexibility to Combine Asset Allocation Portfolios With portfolio management from leading brand-name and boutique specialty firms, we provide you with options for asset allocation that are as simple or sophisticated as you need them to be. For your particular investing goals and retirement income needs, you and your financial professional may want to consider a combination of asset allocation portfolios. We deliver complete flexibility to combine any of our 16 asset allocation portfolios in any percentages you wish. Depending on the portfolios selected, combining may provide exposure to: More investment management firms A greater number of securities Additional asset allocation strategies and investment styles More investment sectors and countries Freedom to Create a Fully Customized Portfolio Working alongside your financial professional, you may also want to consider creating a fully customized portfolio* from our breadth of individual investment options that include more than 50 portfolios covering major investing styles from over 30 portfolio management firms. For more comprehensive descriptions of Prudential Annuities asset allocation options platform and individual investment options platform, see the Variable Annuity Investor Guide. * When creating a fully customized portfolio, certain underlying investment portfolio restrictions apply and you will need to maintain a minimum 20% allocation to one or more of the eligible bond portfolios. 11 of 16

HD Lifetime Income A Quick Recap Here s a quick summary of what a Prudential Premier Retirement Variable Annuity with our exclusive HD Lifetime Income benefit offers. Guaranteed lifetime income no matter how the market performs Built-in protection to help manage risk Flexible investment options HD Lifetime Income Benefit Information At A Glance Optional Benefit ANNUAL BENEFIT CHARGE* Minimum Issue Age Maximum Issue Age Flexible Election Options** HD Lifetime Income Spousal HD Lifetime Income 0.95% 0.95% 45 (annuitant) 45 (youngest spouse) May vary by broker/dealer May be elected or cancelled at any time HD Lifetime Income with LIA 1.30% 45 (annuitant) 75 * Annual benefit charges are assessed quarterly against the greater of the account value and the Protected Withdrawal Value (adjusted for withdrawals and purchase payments). The benefit fees are in addition to the fees and charges associated with the basic annuity. Fees will be taken pro-rata across all variable subaccounts, including the AST Investment Grade Bond Portfolio, if applicable. Please note that upon step-up, after Lifetime Withdrawals begin, the fees may be higher. ** You may cancel any of the benefits at any time. After cancellation, you will no longer be charged for the benefit. Please note that any and all guarantees are lost upon cancellation. If cancelled, the benefit may be re-elected on any day beginning with the following business day (provided the benefit is available and investment allocation requirements are in good order). May vary by broker/dealer. Please refer to the prospectus for complete details on benefit charges and election options. 12 of 16

Your Rock in Retirement Prudential Annuities is an industry leader in providing innovative income solutions for retirement, and the only company to provide daily valued benefits that lock in your annuity s highest day to help increase your retirement income. Prudential Annuities* is a core business of Prudential Financial, Inc., which is one of the most trusted and recognized names in the financial services industry, with over 135 years of experience helping people grow and protect their wealth. And remember, guarantees are only as good as the company that backs them. * Variable annuities are issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. Prudential Annuities is a business of Prudential Financial, Inc. What Is a Variable Annuity? A variable annuity is a long-term investment designed specifically to create payout options to help meet your needs in retirement. You purchase a variable annuity by making either a single payment or a series of payments. The money is allocated to professionally managed investment options that you select, where it accumulates tax-deferred. Your investment options can include equities, fixed-income investments and other securities. In addition, variable annuities may provide a guaranteed death benefit for your beneficiaries. Your financial professional can help you decide what would be an appropriate portion of your retirement savings to invest in a variable annuity, then help choose the specific product, benefits and investment options that are right for you. Investment returns will fluctuate and the principal value, when redeemed, may be worth more or less than the original investment. 13 of 16

Frequently Asked Questions How do we manage your guarantee? Highest Daily Lifetime Income and Spousal Highest Daily Lifetime Income 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 (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: You may not allocate purchase payments or transfer account value into or out of the Bond Portfolio. See the prospectus for complete details. 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. How will I be notified when amounts are transferred to and from the Bond Portfolio? You will receive a confirmation statement indicating that a transfer of a portion of your account value either to or from the Bond Portfolio has taken place. Confirmation statements may be obtained electronically (subject to broker/dealer restrictions). What information about the benefit will be reflected on my quarterly statement? Before taking income: You will see, as of the statement date, your estimated Protected Withdrawal Value and estimated Annual Income Amount. Also, you will see your minimum 200% guarantee and the guarantee date. After taking income: You will see your total Annual Income Amount as well as your remaining Annual Income Amount for the current annuity year. Please ask your financial professional for a copy of the HD Lifetime Income Sample Annuity Statement for more information. What happens if I pass away while owning HD Lifetime Income or Spousal HD Lifetime Income? HD Lifetime Income terminates upon the death of the annuitant. With Spousal HD Lifetime Income, the benefit remains intact even if one spouse passes away. The Protected Withdrawal Value will continue to grow until the surviving spouse begins taking Lifetime Withdrawals. If you ve already started taking Lifetime Withdrawals, income payments can continue to the surviving spouse, and only terminate upon his/her death. If Lifetime Withdrawals have not begun, Spousal HD Lifetime Income terminates automatically upon the death of the second spouse. Your death benefit will be equal to the greater of: 1. The minimum death benefit under the annuity; or 2. The amount of any optional death benefit you may have elected and that remains in effect In the event that withdrawals reduce the account value to zero, or if you decide to annuitize the contract, no death benefit will be payable under the annuity contract. 14 of 16

How do withdrawals affect the benefits? Non-Lifetime Withdrawals You are allowed a one-time Non-Lifetime Withdrawal which will proportionally reduce all benefit guarantees by the percentage the withdrawal represents of the current account value immediately prior to the withdrawal. You must inform us if your withdrawal is intended to be the Non-Lifetime Withdrawal, otherwise, the first withdrawal you make will be considered a Lifetime Withdrawal which will establish your Protected Withdrawal Value and Annual Income Amount. Lifetime Withdrawals Lifetime Withdrawals are taken on a pro-rata basis from all investment options. Any Lifetime Withdrawals less than or equal to your Annual Income Amount will reduce the Protected Withdrawal Value and the Annual Income Amount in that annuity year by the amount of the withdrawal (dollar-for-dollar). Excess Withdrawals 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. Required Minimum Distributions For qualified annuities,* if the first withdrawal from your annuity is taken to satisfy a Required Minimum Distribution (RMD) it will be considered a Lifetime Withdrawal unless designated as a Non-Lifetime Withdrawal. Lifetime Withdrawals that exceed the Annual Income Amount, but which you are required to take as a Required Minimum Distribution from your annuity are not treated as excess withdrawals and will not reduce the Annual Income Amount for future years. A RMD taken as a Non-Lifetime Withdrawal will reduce your benefit guarantees as described above. What happens if I make additional purchase payments to my annuity after electing the benefit? Prior to your first Lifetime Withdrawal, additional purchase payments and associated purchase credits will increase the Protected Withdrawal Value dollar-for-dollar by the amount of the purchase payment. Any additional purchase payments (and any purchase credits) made within 12 months after benefit election will be added to the minimum guarantee as follows: 200% (12 years after benefit election). For any purchase payments made more than 12 months after benefit election, the minimum guarantee will be increased by the amount of the purchase payment plus any applicable purchase credits. 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. Will I be required to begin receiving annuity payments under the benefits? While you are not required to receive annuity payments under HD Lifetime Income or Spousal HD Lifetime Income, once the latest annuity date is reached under the terms of the annuity contract (generally age 95 of the oldest of any owner and annuitant), you must elect to begin receiving annuity payments. 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, or choose from any of the other available annuity payout options. * Prudential Annuities does not provide tax, accounting, or legal advice. Please consult your own attorney or accountant. Because qualified retirement plans, IRAs and variable annuities 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. 15 of 16

one corporate drive shelton, connecticut 06484 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. Please read the prospectus carefully before investing. Your needs and suitability of annuity products and benefits should be carefully considered before investing. This material was prepared to support the marketing of variable annuities. Prudential, its affiliates, its distributors and their respective representatives do not provide tax or legal advice. Any tax statements contained herein were not intended to be used for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own advisor as to any tax or legal statements made herein. Variable annuities offered by Prudential Financial companies are available at a total annual insurance cost of 0.55% to 1.85%, with an additional fee related to the professionally managed investment options. 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. Optional benefits may not be available in every state and may not be elected in conjunction with certain optional benefits. Optional benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. Issuing companies are located in Newark, NJ. Variable annuities 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. 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. 2011 The Prudential Insurance Company of America. Issued on contracts: P-B/IND(2/10), P-L/IND(2/10), P-X/IND(2/10), P-CR/IND(2/10) Issued on riders: P-RID-HD(1/11), P-RID-HD(1/11)-NY, P-RID-HD-LIA(1/11) 0169561-00007-00 0169561-00008-00 ORD202743 Ed. 07/2010 01/2011 [PPR [WO# 217630] WO# 195601 MS0110 SBA10-0097 UBS0110]