Prudential Premier Retirement Variable Annuities

variable life contracts that are issued by Pruco Life as well as other insurance companies that have the same underlying mutual
fund portfolios available to them. Since some contract Owners are not subject to the same transfer restrictions, unfavorable
consequences associated with such frequent trading within the underlying mutual fund (e.g., greater portfolio turnover, higher
transaction costs, or performance or tax issues) may affect all contract Owners. Similarly, while contracts managed by a Financial
Professional are subject to the restrictions on transfers between Investment Options that are discussed above, if the Financial
Professional manages a number of contracts in the same fashion unfavorable consequences may be associated with management
activity since it may involve the movement of a substantial portion of an underlying mutual fund's assets which may affect all
contract Owners invested in the affected options. Apart from jurisdiction-specific and contract differences in transfer restrictions,
we will apply these rules uniformly (including contracts managed by a Financial Professional) and will not waive a transfer
restriction for any Owner.
Although our transfer restrictions are designed to prevent excessive transfers, they are not capable of preventing every
potential occurrence of excessive transfer activity. The portfolios have adopted their own policies and procedures with respect to
excessive trading of their respective shares, and we reserve the right to enforce any such current or future policies and procedures.
The prospectuses for the portfolios describe any such policies and procedures, which may be more or less restrictive than the
policies and procedures we have adopted. Under SEC rules, we are required to: (1) enter into a written agreement with each
portfolio or its principal underwriter or its transfer agent that obligates us to provide to the portfolio promptly upon request certain
information about the trading activity of individual contract Owners (including an Annuity Owner’s TIN number), and (2) execute
instructions from the portfolio to restrict or prohibit further purchases or transfers by specific contract Owners who violate the
excessive trading policies established by the portfolio. In addition, you should be aware that some portfolios may receive
“omnibus” purchase and redemption orders from other insurance companies or intermediaries such as retirement plans. The
omnibus orders reflect the aggregation and netting of multiple orders from individual Owners of variable insurance contracts and/or
individual retirement plan participants. The omnibus nature of these orders may limit the portfolios in their ability to apply their
excessive trading policies and procedures. In addition, the other insurance companies and/or retirement plans may have different
policies and procedures or may not have any such policies and procedures because of contractual limitations. For these reasons, we
cannot guarantee that the portfolios (and thus contract Owners) will not be harmed by transfer activity relating to other insurance
companies and/or retirement plans that may invest in the portfolios.
A portfolio also may assess a short-term trading fee (redemption fee) in connection with a transfer out of the Sub-account investing
in that portfolio that occurs within a certain number of days following the date of allocation to the Sub-account. Each portfolio
determines the amount of the short-term trading fee and when the fee is imposed. The fee is retained by or paid to the portfolio and
is not retained by us. The fee will be deducted from your Account Value, to the extent allowed by law. At present, no portfolio has
adopted a short-term trading fee.
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