Prudential Premier Retirement Variable Annuities

Under any of the Guaranteed Lifetime Withdrawal Benefits (e.g., Highest Daily Lifetime Income 2.0, Highest Daily Lifetime
Income 2.0 with Lifetime Income Accelerator, Spousal Highest Daily Lifetime Income 2.0, Highest Daily Lifetime Income 2.0,
Highest Daily Death Benefit, and Spousal Highest Daily Lifetime Income 2.0 with Highest Daily Death Benefit, withdrawals in
excess of the Annual Income Amount, called “Excess Income,” will result in a permanent reduction in future guaranteed
amounts.
Guaranteed Minimum Accumulation Benefits. The common characteristic of these benefits is that your Account Value is
guaranteed to be at least a specified amount at some point in the future. Thus, these benefits may be appropriate for an annuity
Owner who wants a guaranteed minimum Account Value after a specified number of years. Because the guarantee inherent in the
benefit does not take effect until a specified number of years into the future, you should elect such a benefit only if your investment
time horizon is of at least that duration. HD GRO II is one example of this type of benefit.
Please refer to the benefit description that follows for a complete description of the terms, conditions and limitations of each
optional benefit. See the chart in the “Investment Options” section of the prospectus for a list of Investment Options
available and permitted with each benefit. We reserve the right to terminate a benefit if you allocate funds into nonpermitted
Investment Options. You should consult with your Financial Professional to determine if any of these optional benefits
may be appropriate for you based on your financial needs. As is the case with optional living benefits in general, the fulfillment of
our guarantee under these benefits is dependent on our claims-paying ability.
Termination of Existing Benefits and Election of New Benefits
If you elect an optional living benefit, you may subsequently terminate the benefit and elect one of the then currently available
benefits, subject to availability of the benefit at that time and our then current rules. There is currently no waiting period for such an
election (you may elect a new benefit beginning on the next Valuation Day), provided that upon such an election, your Account
Value must be allocated to the Investment Options permitted for the optional benefit. We reserve the right to waive, change and/or
further limit availability and election frequencies in the future. Check with your Financial Professional regarding the availability of
re-electing or electing a benefit and any waiting period. The benefit you re-elect or elect may not provide the same guarantees and/
or may be more expensive than the benefit you are terminating. Note that once you terminate an existing benefit, you lose the
guarantees that you had accumulated under your existing benefit and will begin the new guarantees under the new benefit
you elect based on your Unadjusted Account Value as of the date the new benefit becomes effective. You should carefully
consider whether terminating your existing benefit and electing a new benefit is appropriate for you.
No Long-Term MVA Option is permitted if you elect any Optional Living Benefit. The DCA MVA Options are not available with
GRO Plus II and HD GRO II. For Annuities purchased in Illinois, if you are currently invested in any Market Value Adjustment
Options and/or are enrolled in the 6 or 12 Month DCA Program but wish to elect one of the Highest Daily Lifetime Income 2.0
suite of benefits, at the time you elect such Highest Daily Lifetime Income 2.0 benefit, you will have to cancel your enrollment in
the 6 or 12 Month DCA Program and reallocate your Account Value to the Investment Options permitted for such Highest Daily
Lifetime Income 2.0 benefit (see “Investment Options — Group I Allowable Benefit Allocations”).
Certain spousal rights under the contract, and our administration of such spousal rights and related tax reporting comport with our
understanding of the Defense of Marriage Act (which defines a “marriage” as a legal union between a man and a woman and a
“spouse” as a person of the opposite sex). Depending on the state in which your annuity is issued, we may offer certain spousal
benefits to civil union couples, domestic partners or same-sex marriages. You should be aware, however, that federal tax law does
not recognize civil union couples, domestic partners or marriage spouses of the same sex. Therefore, we cannot permit a same-sex
civil union partner, domestic partner or spouse to continue the annuity within the meaning of the tax law upon the death of the first
partner under the annuity’s “spousal continuance” provision. Please note there may be federal tax consequences at the death of the
first same-sex civil union partner, domestic partner or spouse. Civil union couples, domestic partners and spouses of the same sex
should consider that limitation before selecting a spousal benefit under the annuity.
HIGHEST DAILY LIFETIME INCOME BENEFIT 2.0
Highest Daily Lifetime Income 2.0 is a lifetime guaranteed minimum withdrawal benefit, under which, subject to the terms of the
benefit, we guarantee your ability to take a certain annual withdrawal amount for life. We reserve the right, in our sole discretion,
to cease offering this benefit for new elections, at any time.
We offer a benefit that guarantees until the death of the single designated life (the Annuitant) the ability to withdraw an annual
amount (the “Annual Income Amount”) equal to a percentage of an initial value (the “Protected Withdrawal Value”) regardless of
the impact of Sub-account performance on the Unadjusted Account Value, subject to our rules regarding the timing and amount of
withdrawals. You are guaranteed to be able to withdraw the Annual Income Amount for the rest of your life provided that you do
not take withdrawals of Excess Income that result in your Unadjusted Account Value being reduced to zero. We also permit you to
designate the first withdrawal from your Annuity as a one-time “Non-Lifetime Withdrawal”. All other partial withdrawals from
your Annuity are considered a “Lifetime Withdrawal” under the benefit. Withdrawals are taken first from your own Account
Value. We are only required to begin making lifetime income payments to you under our guarantee when and if your Unadjusted
Account Value is reduced to zero (for any reason other than due to partial withdrawals of Excess Income). Highest Daily Lifetime
53