Prudential Premier Retirement Variable Annuities

prior to age 59 1 ⁄2 if you elect to receive distributions as a series of “substantially equal periodic payments.” For Annuities issued as
non-qualified annuities, the Code may provide a similar exemption from penalty under Section 72(q) of the Code. Systematic
withdrawals under Sections 72(t)/72(q) may be subject to a CDSC (except that no CDSC applies to the C Series) and/or an MVA.
To request a program that complies with Sections 72(t)/72(q), you must provide us with certain required information in writing on
a form acceptable to us. We may require advance notice to allow us to calculate the amount of 72(t)/72(q) withdrawals. There is no
minimum Surrender Value we require to allow you to begin a program for withdrawals under Sections 72(t)/72(q). The minimum
amount for any such withdrawal is $100 and payments may be made monthly, quarterly, semi-annually or annually.
You may also annuitize your Annuity and begin receiving payments for the remainder of your life (or life expectancy) as a means
of receiving income payments before age 59 1 ⁄2 that are not subject to the 10% penalty.
Please note that if a withdrawal under Sections 72(t) or 72(q) was scheduled to be effected between December 25 th and
December 31 st of a given year, then we will implement the withdrawal on December 28 or on the last Valuation Day prior to
December 28 th of that year.
REQUIRED MINIMUM DISTRIBUTIONS
Required Minimum Distributions are a type of systematic withdrawal we allow to meet distribution requirements under Sections
401, 403(b) or 408 of the Code. Required Minimum Distribution rules do not apply to Roth IRAs during the Owner's lifetime.
Under the Code, you may be required to begin receiving periodic amounts from your Annuity. In such case, we will allow you to
make systematic withdrawals in amounts that satisfy the minimum distribution rules under the Code. We do not assess a CDSC (if
applicable) or an MVA on Required Minimum Distributions from your Annuity if you are required by law to take such Required
Minimum Distributions from your Annuity at the time it is taken, provided the amount withdrawn is the amount we calculate as the
Required Minimum Distribution and is paid out through a program of systematic withdrawals that we make available. However, a
CDSC (if applicable) or an MVA may be assessed on that portion of a systematic withdrawal that is taken to satisfy the Required
Minimum Distribution rules in relation to other savings or investment plans under other qualified retirement plans.
The amount of the Required Minimum Distribution for your particular situation may depend on other annuities, savings or
investments. We will only calculate the amount of your Required Minimum Distribution based on the value of your Annuity. We
require three (3) days advance written notice to calculate and process the amount of your payments. You may elect to have
Required Minimum Distributions paid out monthly, quarterly, semi-annually or annually. The $100 minimum amount that applies
to systematic withdrawals applies to monthly Required Minimum Distributions but does not apply to Required Minimum
Distributions taken out on a quarterly, semi-annual or annual basis.
You may also annuitize your Annuity and begin receiving payments for the remainder of your life (or life expectancy) as a means
of receiving income payments and satisfying the Required Minimum Distribution rules under the Code. Please see “Living
Benefits” for further information relating to Required Minimum Distributions if you own a living benefit.
In any year in which the requirement to take Required Minimum Distributions is suspended by law, we reserve the right, in our
sole discretion and regardless of any position taken on this issue in a prior year, to treat any amount that would have been
considered as a Required Minimum Distribution if not for the suspension as eligible for treatment as described herein.
Please note that if a Required Minimum Distribution was scheduled to be effected between December 25 th and December 31 st of a
given year, then we will implement the Required Minimum Distribution on December 28 or on the last Valuation Day prior to
December 28 th of that year.
No withdrawal taken as a Required Minimum Distribution for your Annuity under a program that we administer is subject to
an MVA.
See “Tax Considerations” for a further discussion of Required Minimum Distributions.
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