Prudential Premier Retirement Variable Annuities

additional Purchase Payments, unless the Annuity is held as a Beneficiary Annuity, at any time before the earlier of the Annuity
Date and (i) for Annuities that are not entity-owned, the oldest Owner's 86 th birthday or (ii) for entity-owned Annuities, the
Annuitant’s 86 th birthday. However, Purchase Payments are not permitted after the Account Value is reduced to zero. We may
limit or reject any Purchase Payment, but would do so only on a non-discriminatory basis. Depending on the tax status of
your Annuity (e.g., if you own the Annuity through an IRA), there may be annual contribution limits dictated by applicable law.
Please see the Tax Considerations section for additional information on these contribution limits.
Each additional Purchase Payment will be allocated to the Investment Options according to the instructions you provide with such
Purchase Payment. You may not provide allocation instructions that apply to more than one additional Purchase Payment. Thus, if
you have not provided allocation instructions with a particular additional Purchase Payment, we will allocate the Purchase Payment
on a pro rata basis to the Sub-accounts in which your Account Value is then allocated, excluding Sub-accounts to which you may
not electively allocate Account Value.
If you have elected to participate in the 6 or 12 Month DCA Program, your initial Purchase Payment will be applied to your chosen
program. Each time you make an additional Purchase Payment, you will need to elect a new 6 or 12 Month DCA Program for that
additional Purchase Payment. If you do not provide such instructions, we will allocate that additional Purchase Payment on a pro
rata basis to the Sub-accounts in which your Account Value is then allocated, excluding Sub-accounts to which you may not
electively allocate Account Value. Additionally, if your initial Purchase Payment is funded from multiple sources (e.g., a transfer
of assets/1035 exchange) then the total amount that you have designated to fund your annuity will be treated as the initial Purchase
Payment for purposes of your participation in the 6 or 12 Month DCA Program.
PURCHASE CREDITS UNDER THE X SERIES
As detailed below, we apply a “Purchase Credit” to your Annuity’s Account Value with respect to certain Purchase Payments you
make under the X Series Annuity. The Purchase Credit is equal to a percentage of each Purchase Payment. To determine the
amount of the Purchase Credit, we multiply the amount of the Purchase Payment by the applicable Purchase Credit percentage.
With respect to Purchase Payments (of any amount) received during Annuity Years 1 through 4, the credit percentage will equal
6%, so long as the oldest Owner (or Annuitant, if entity owned) of the Annuity is younger than 82 at the time the Purchase
Payment is made. If the oldest Owner (or Annuitant, if entity owned) is aged 82-85 at the time the Purchase Payment (of any
amount) is made, the credit percentage will equal 3% during Annuity Years 1-4. With respect to Purchase Payments received on
the fourth anniversary of the Issue Date and thereafter, regardless of the Owner or Annuitant's age, the credit percentage
will be 0%.
Each Purchase Credit is allocated to your Account Value at the time the Purchase Payment is applied to your Account Value.
The amount of the Purchase Credit is allocated to the Investment Options in the same ratio as the applicable Purchase Payment
is applied.
We do not consider the Purchase Credit as an “investment in the contract” for income tax purposes.
Example of Applying the Purchase Credit
Initial Purchase Payment
Assume you are 65 years old and you make an initial Purchase Payment of $450,000. We would apply a 6.0% Purchase Credit to
your Purchase Payment and allocate the amount of the Purchase Credit ($27,000 = $450,000 X .06) to your Account Value in the
proportion that your Purchase Payment is allocated.
Recapture of Purchase Credits. The amount of any Purchase Credit applied to your X Series Account Value can be recaptured by
Pruco Life under certain circumstances:
▪ any Purchase Credit applied to your Account Value on Purchase Payments made within the period beginning 12 months
prior to the Owner’s date of death and ending on the date of Due Proof of Death will be recaptured. We do not currently
recapture any Purchase Credits at the time of spousal assumption of the Annuity.
▪ the amount available under the medically-related surrender portion of the Annuity will not include the amount of any
Purchase Credit associated with any Purchase Payments made within 12 months of the date the medically-related surrender
is received in Good Order at our Service Office; and
▪ if you Free Look your Annuity, the amount returned to you will not include the amount of any Purchase Credit.
The amount we recapture will equal the Purchase Credit, without adjustment up or down for investment performance. Therefore,
any gain on the Purchase Credit amount will not be recaptured. But if there was a loss on the Purchase Credit, the amount we
recapture will still equal the amount of the Purchase Credit.
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