PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITIES

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH THE PUBLIC. PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITIES A smart strategy for tax-efficient investing OFFER YOUR CLIENTS: Tax advantages with tax deferral and tax-free transfers Access to unique cutting-edge investment choices An optional Return of Purchase Payments Death Benefit Innovative pro-growth charge structure No offers for the Prudential Premier Investment Variable Annuities are being made nor will such offers be made until the Registration Statements filed with the SEC become effective and the Contracts and applicable rider(s) evidencing this product and benefit(s) are approved by the applicable jurisdictions. In addition, the Contracts and benefit(s) cannot be discussed with the public and no materials can be provided to the public until the Registration Statements filed with the SEC become effective and the Contracts and rider(s) evidencing this product and benefit(s) are approved by the applicable jurisdictions. 0260037-00001-00 Ed. 04/2014

Growing pains of capital gains When it comes to helping your clients accumulate assets for retirement, understanding that some investments can be more taxing than others is key. Help your clients realize that there are tax triggers that can affect their bottom line. Turnover ratios The top 10 mutual funds have an average turnover rate of around 64%, resulting in higher taxable gains even if your clients took no action. 1 Rebalancing With some investments, rebalancing an asset allocation model is a taxable event that can reduce the net after-tax return of a portfolio. Unpredictable year-end distributions Dividend and capital gain distributions can result in taxable events for your clients and may vary substantially from year to year. The average distribution in 2013 amounted to 6.1% of its year-end share price, up from 3.7% the previous year. 2 1 Morningstar, data as of January 31, 2014 2 Morningstar, January 2014 Ask your clients about these tax triggers: M Did you receive a 1099 even though you didn t buy or sell an investment? M Are you receiving income you are not spending? M Do you depend on dividends to support your income? M Are your deductions/passive losses limited or phased out because of income? If they answer yes to any of the above, then consider the value tax-deferred investing can offer by reducing or eliminating tax triggers. Help your clients control when they pay taxes The power of tax deferral With a Prudential Premier Investment Variable Annuity, your clients can defer taxes on any growth in their investments until they begin taking withdrawals. Because they won t pay any immediate taxes on earnings, more of their money stays invested and compounds growth. The hypothetical example to the right illustrates the advantages of tax deferral over a 20-year period. The advantage of tax-free transfers Tax-free transfers can help decrease the impact of inefficient tax events, such as realized gains associated with portfolio turnover, rebalancing and frequent trading. Please note that if your clients are investing in this Annuity through a tax-advantaged retirement plan (such as an Individual Retirement Account or 401(k) plan), they will get no additional tax advantage through the Annuity itself. If your clients are investing through a tax-advantaged plan, they should $2,500,000 $2,000,000 $1,500,000 $1,000,000 After 20 years, the tax-deferred investment has an after-tax value that is $285,000 greater than the taxable investment. $1,532,496 taxable investment $1,817,946 tax-deferred investment after taxes, assuming a lump-sum withdrawal $2,330,481 tax-deferred investment before withdrawals Instead of a lump-sum withdrawal, clients can also stretch out withdrawals over time, further reducing the tax burden. consult their tax adviser to determine whether the features of this Annuity, such as the optional Return of Purchase Payments Death Benefit, the annuitization options and the investment options, make the Annuity an appropriate investment for their needs. 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. If this were an actual example, various costs would be factored into the gross return, including annual insurance and administrative charges of the annuity, annual contract charges, investment management fees of the underlying funds, the cost for any optional features, and any other applicable fees. The example assumes an initial investment of $500,000; a tax-deferred investment growing at an 8% hypothetical annual rate for 20 years; and a taxable investment growing at an 8% hypothetical annual rate for 20 years, with an assumed annual tax rate of 28% on each year s earnings. Please note that the impact of tax deferral can vary depending on the annual rate realized. This illustration does not consider that income tax rates may be higher in future years or that bunching income into one year may cause an investor to be in a higher tax bracket. 2/ 6

Three investment approaches. One common goal. A Prudential Premier Investment Variable Annuity enables you to create a unique portfolio for your clients with one or any combination of our three investment approaches. 1. MANAGED To help your clients reach their goals, we offer two types of fully constructed asset allocation portfolios: Traditional multi-manager asset allocation portfolios focused primarily on stocks and bonds Themed asset allocation investment strategies built to address specific market views: Investments that may perform well during periods of unexpected or rising inflation Investments focused on developed, emerging and frontier markets Alternative style asset classes and strategies that do not necessarily move in lockstep with traditional asset classes 2. GUIDED Start the discussion with your clients about diversifying their annuity portfolio with our five examples of diversified allocations based on risk tolerance* and the desire for portfolio growth potential. Please note that in showing these examples, we are not providing investment advice. CONSERVATIVE (Target: 20% Equities) Very conservative investors seeking stability and preservation while looking for some growth MODERATELY CONSERVATIVE (Target: 40% Equities) Investors who are willing to accept modest volatility while seeking some growth potential MODERATE (Target: 60% Equities) Investors who prefer to balance moderate growth potential with lower volatility investments MODERATELY AGGRESSIVE (Target: 80% Equities) Growth-oriented investors who want to temper exposure to stocks with investments that tend to be less volatile AGGRESSIVE (Target: 100% Equities) Investors who are willing to assume more volatility to pursue maximum growth potential over time 3. CUSTOMIZED You have complete flexibility to create a fully customized portfolio with your clients by accessing our broad range of single asset class or asset allocation portfolios listed on the following page. Depending on the mix of the investment options your clients choose, they may have further diversification and exposure to: More investment management firms with varying specialties, and domestic and global market viewpoints Additional asset allocation strategies, asset classes and investment styles More investment sectors and countries A greater number of securities * Risk tolerance is based on an assessment that you and your client develop considering their unique circumstances. It includes your client s investment time horizon, investment goals and expectations, and market risk tolerance. Diversification does not assure against loss in a declining market. Asset allocation does not ensure a profit or protect against a loss. 3/ 6

Build your approach with a broad array of investments All portfolios are placed according to their style and investment objectives. EQUITY LARGE-CAP GROWTH AST TM Jennison Large-Cap Growth* AST Loomis Sayles Large-Cap Growth* AST MFS Growth* AST T. Rowe Price Large-Cap Growth* LARGE-CAP BLEND AST AQR Large-Cap* AST ClearBridge Dividend Growth* AST QMA Large-Cap* AST QMA US Equity Alpha* LARGE-CAP VALUE AST Goldman Sachs Large-Cap Value* AST Herndon Large-Cap Value* AST Large-Cap Value* AST MFS Large-Cap Value* AST T. Rowe Price Equity Income* MID-CAP GROWTH AST Goldman Sachs Mid-Cap Growth* AST Neuberger Berman Mid-Cap Growth* MID-CAP VALUE AST Mid-Cap Value* AST Neuberger Berman /LSV Mid-Cap Value* SMALL-CAP GROWTH AST Small-Cap Growth* SMALL-CAP VALUE AST Goldman Sachs Small-Cap Value* AST Small-Cap Value* INTERNATIONAL EQUITY DEVELOPED MARKETS AST International Growth* AST International Value* AST MFS Global Equity* EMERGING MARKETS AST AQR Emerging Markets Equity* AST Parametric Emerging Markets Equity* AST QMA Emerging Markets Equity* FIXED INCOME DOMESTIC AST Lord Abbett Core Fixed Income* AST Money Market* AST Neuberger Berman Core Bond* AST PIMCO Limited Maturity Bond* AST PIMCO Total Return Bond* AST Prudential Core Bond* AST Western Asset Core Plus Bond* HIGH YIELD AST High Yield* INTERNATIONAL AST Templeton Global Bond* EMERGING MARKETS AST Western Asset Emerging Markets Debt* NON-TRADITIONAL AST Goldman Sachs Strategic Income* ALTERNATIVES AST Cohen & Steers Realty* AST FQ Absolute Return Currency AST Global Real Estate* AST Jennison Global Infrastructure AST T. Rowe Price Natural Resources* MANAGED ASSET ALLOCATION TRADITIONAL AST Managed Equity* AST Managed Fixed Income* AST Quantitative Modeling* THEMED AST T. Rowe Price Diversified Real Growth AST Prudential Flexible Multi-Strategy AST Goldman Sachs Global Growth Allocation AST Franklin Templeton K2 Global Absolute Return AST BlackRock Multi-Asset Income Close the sale today with our dynamic and customized portfolio report: please call our National Sales Desk at 1-800-513-0805. * These subaccounts invest in underlying Portfolios that are subject to a predetermined mathematical formula applicable to benefits that are not available with this annuity. Before your clients allocate to these subaccounts, your clients should consider the impact the formula will have on each Portfolio s risk profile, expenses and performance. See page 6 for additional information. 4/ 6

Prudential Premier Investment Variable Annuities at a glance FEATURES SPECIFICATIONS Minimum purchase payment Initial: $10,000 / Subsequent: $100 1 Maximum issue age (may vary by broker/dealer) Latest annuity date Free transfers 85 (79 if electing the optional Return of Purchase Payments Death Benefit) Contracts may not be issued on or after the 86th birthday of the oldest of all owners and annuitant No later than the first day of the calendar month following the 95th birthday of the oldest of all owners and annuitant Ability to make 20 free transfers between investment options each annuity year; $10 per transfer thereafter 2 FEES AND CHARGES B SERIES C SERIES Annual Insurance Charge (M&E&A): Account value-based M&E&A charge 0.55% 0.68% Premium-based M&E&A charge 0.55% 0.67% Total Annual Insurance Charge 1.10% 1.35%x Annual maintenance fee Contingent Deferred Sales Charge (CDSC) Based on the age of each purchase payment. Assessed on withdrawals in excess of free withdrawal amounts during the first 7 years after each purchase payment is made Free withdrawals OPTIONAL RETURN OF PURCHASE PAYMENTS (ROP) DEATH BENEFIT 3 Benefit must be elected at contract issue and cannot be cancelled Lesser of $50 per year or 2% of the account value Waived if the sum of all purchase payments totals $100,000 or more 7 years: 7%, 7%, 6%, 6%, 5%, 4%, 3%, 0% None Up to 10% of each purchase payment (non-cumulative) per annuity year. Access to 100% of each purchase payment without a CDSC 7 years after it is made Access to the full account value at any time, with no initial sales charge or CDSC Beneficiaries will receive the greater of: The sum of all purchase payments, reduced proportionally for any withdrawals, or The account value All death benefit protection terminates upon contract annuitization or if the account value reaches zero Maximum issue age 79 Investment options Death benefit fee: Choose from any of the Managed asset allocation portfolios except the AST Managed Equity Portfolio and AST Franklin Templeton K2 Global Absolute Return Portfolio Account value-based fee 0.15% Premium-based fee 0.15% Total death benefit fee 0.30% Both the Total Annual Insurance Charge and the optional death benefit charge are comprised of an account value-based charge and a premium-based charge. Account value-based charges are assessed daily based on an annualized rate charged against the assets allocated to the subaccounts. Premium-based charges are assessed quarterly against the Charge Basis (please see the section of the prospectus called Fees, Charges and Deductions for information on the Charge Basis) and are taken pro-rata from the subaccounts. 1 Prudential Annuities reserves the right to limit, restrict, suspend or reject additional purchase payments at any time or on a non-discriminatory basis. 2 Transfers made as part of a Dollar Cost Averaging or Automatic Rebalancing program are not counted toward the 20 free transfers. Please see the prospectus for this and other information regarding transfers. 3 The optional Return of Purchase Payments Death Benefit may not be available in every state and has certain investment restrictions. Fees charged for the death benefit are in addition to fees and charges associated with the basic annuity. We reserve the right to pay a death benefit equal to the account value if we do not receive due proof of death within one year. Please refer to the prospectus for complete details. 5/ 6

Investors should consider the features of the contract and the underlying portfolios investment objectives, policies, management, 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. Annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), all are located in Newark, NJ (main office). 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 is a business of Prudential Financial, Inc. A variable annuity is a long-term investment designed for retirement purposes. Investment returns and the principal value of an investment will fluctuate so that an investor s units, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales 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, sometimes referred to as an additional income tax. Withdrawals, other than from IRAs or employer retirement plans, are deemed to be gains out first for tax purposes. Withdrawals reduce the account value and death benefits. Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please have your clients consult their own attorney or accountant. Quantitative Management Associates is a wholly-owned subsidiary of Prudential Investment Management, Inc. and an indirect, wholly-owned subsidiary of Prudential Financial, Inc. The Prudential Premier Investment Variable Annuity offers certain subaccounts that invest in underlying Portfolios which are also available in other variable annuity contracts we offer. Those other variable annuity contracts offer certain optional living benefits that utilize a predetermined mathematical formula (the formula ) to manage the guarantees offered in connection with those optional benefits. Your clients should be aware that the operation of the formula in those other variable annuity contracts may result in large-scale asset flows into and out of the underlying Portfolios through a series of transfers. In addition to increasing the Portfolios expenses, the asset flows may adversely affect performance by (i) requiring the Portfolios to purchase or sell securities at inopportune times; (ii) otherwise limiting the subadviser s ability to fully implement the Portfolios investment strategies; or (iii) requiring the Portfolios to hold a larger portion of their assets in highly liquid securities than they otherwise would hold. Before you allocate to these subaccounts, you should consider the impact the formula will have on each Portfolio s risk profile, expenses and performance. Please see the Prospectus for more information to determine which Portfolios are appropriate for your clients. Equity Securities Risk The value or price of a particular stock or other equity or equity-related security owned by a portfolio could go down and you could lose money. International Equity/Debt Risk In addition to risks inherent to investment in equity and fixed income securities, investments in international equity and debt securities involve risk of exposure to: changes in currency exchange rates, differing regulatory and taxation requirements, alternative financial reporting standards, and political, social and economic changes which may adversely affect the value of a portfolio s international securities. International markets are generally more volatile than U.S. markets and have less publicly available information. These risks are heightened for investments in the securities of emerging market issuers. Alternative Investments Risk Certain portfolios may use leverage, short sales and derivatives or engage in other speculative practices within their alternative investments. These practices include a high degree of risk and may increase the risk, size and velocity of investment losses. Although certain alternative strategies seek to reduce risk by attempting to reduce correlation with equity and bond markets, no guarantee can be given that such efforts will be successful. The fees and expenses associated with alternative investments are generally higher than those for traditional investments. 2014. Prudential Financial, Inc. and its related entities. Prudential Annuities, Prudential, the Prudential logo, the Rock symbol, and Bring Your Challenges are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. 6/6 0260037-00001-00 ORD207961 Ed. 04/2014 [WO# 663501]