Prudential Premier Retirement Variable Annuities

FEES, CHARGES AND DEDUCTIONS
In this section, we provide detail about the charges you incur if you own the Annuity.
The charges under each Annuity are designed to cover, in the aggregate, our direct and indirect costs of selling, administering and
providing benefits under each Annuity. They are also designed, in the aggregate, to compensate us for the risks of loss we assume.
If, as we expect, the charges that we collect from the Annuities exceed our total costs in connection with the Annuities, we will
earn a profit. Otherwise we will incur a loss. For example, Pruco Life may make a profit on the Insurance Charge if, over time, the
actual costs of providing the guaranteed insurance obligations and other expenses under an Annuity are less than the amount we
deduct for the Insurance Charge. To the extent we make a profit on the Insurance Charge, such profit may be used for any other
corporate purpose.
The rates of certain of our charges have been set with reference to estimates of the amount of specific types of expenses or risks
that we will incur. In general, a given charge under the Annuity compensates us for our costs and risks related to that charge and
may provide for a profit. However, it is possible that with respect to a particular obligation we have under this Annuity, we may be
compensated not only by the charge specifically tied to that obligation, but also from one or more other charges we impose.
With regard to charges that are assessed as a percentage of the value of the Sub-accounts, please note that such charges are
assessed through a reduction to the Unit value of your investment in each Sub-account, and in that way reduce your Account
Value. A “Unit” refers to a share of participation in a Sub-account used to calculate your Unadjusted Account Value prior to the
Annuity Date.
Contingent Deferred Sales Charge (“CDSC”): The CDSC reimburses us for expenses related to sales and distribution of the
Annuity, including commissions, marketing materials, other promotional expenses and, in the case of the X Series, the cost of
providing a Purchase Credit. We may deduct a CDSC if you surrender your Annuity or when you make a partial withdrawal
(except that there is no CDSC on the C Series Annuity). The CDSC is calculated as a percentage of your Purchase Payment (not
including any Purchase Credit applied on the X Series) being surrendered or withdrawn. The CDSC percentage varies with the
number of years that have elapsed since each Purchase Payment being withdrawn was made. If a withdrawal is effective on the day
before the anniversary of the date that the Purchase Payment being withdrawn was made, then the CDSC percentage as of the next
following year will apply. The CDSC percentages for the X Series, the B Series, and the L Series are shown under “Summary of
Contract Fees and Charges.”
With respect to a partial withdrawal, we calculate the CDSC by assuming that any available free withdrawal amount is taken out
first (see “Free Withdrawal Amounts” later in this prospectus). If the free withdrawal amount is not sufficient, we then assume that
partial withdrawals are taken from Purchase Payments that have not been previously withdrawn, on a first-in, first-out basis, and
subsequently from any other Account Value in the Annuity (such as gains or purchase credits). In a “gross” withdrawal, you
request a specific withdrawal amount, with the understanding that the amount you actually receive is reduced by each applicable
amount. In a “net” withdrawal, you request a withdrawal for an exact dollar amount, with the understanding that any amount
deducted (e.g., for a CDSC) is taken from your remaining Unadjusted Account Value. If you request a gross withdrawal, you may
receive less than the specified dollar amount, as any applicable CDSC and tax withholding would be deducted from the amount
you requested (although any MVA will not be applied to the amount you receive, but instead will be applied to your Unadjusted
Account Value). If you request a net withdrawal, a larger amount may be deducted from your Unadjusted Account Value in order
for you to receive the specified dollar amount after any applicable CDSC, MVA and tax withholding is assessed. See “Free
Withdrawal Amounts” below for further detail on net and gross withdrawals, as well as how this might affect an optional living
benefit you may have. Please be aware that under the Highest Daily Lifetime Income 2.0, Highest Daily Lifetime Income and
Highest Daily Lifetime 6 Plus suite of benefits: (a) for a gross withdrawal, if the amount requested exceeds the Annual Income
Amount, the excess portion will be treated as Excess Income and (b) for a net withdrawal, if the amount you receive plus the
amount of the CDSC deducted from your Unadjusted Account Value exceeds the Annual Income Amount, the excess portion will
be treated as Excess Income (which has negative consequences under these optional benefits).
Upon surrender, we calculate a CDSC based on any Purchase Payments that have not been withdrawn. The amount of such
Purchase Payments could be greater than your remaining Account Value. This could occur if you have made prior partial
withdrawals or if your Account Value has declined in value due to negative market performance. Thus, for example, the CDSC
could be greater than if it were calculated as percentage of remaining Account Value.
We may waive any applicable CDSC under certain circumstances described herein.
Transfer Fee: Currently, you may make twenty free transfers between Investment Options each Annuity Year. We may charge
$10 for each transfer after the twentieth in each Annuity Year. We do not consider transfers made as part of a Dollar Cost
Averaging, Automatic Rebalancing or Custom Portfolio Program when we count the twenty free transfers. All transfers made on
the same day will be treated as one transfer. Renewals or transfers of Account Value from an MVA Option within the 30 days
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