Prudential Premier Retirement Variable Annuities

The amount you may withdraw in the current Annuity Year (between 1/3/2012 and 5/31/2012) without it being treated as Excess
Income is $4,000. Here is the calculation: $3,000 + ($6,000 – $5,000) = $4,000.
If the $4,000 withdrawal is taken in the current Annuity Year (prior to 6/1/2012), the remaining Annual Income Amount will be
zero and the remaining RMD amount of $2,000 may be taken in the subsequent Annuity Year beginning on 6/1/2012 (when your
Annual Income Amount is reset to $5,000).
If you had chosen to not take any additional withdrawals until on or after 6/1/2012, then you would be eligible to withdraw $6,000
without it being treated as a withdrawal of Excess Income.
Highest Daily Death Benefit
A Death Benefit is payable under Highest Daily Lifetime Income 2.0 with HD DB (until we begin making Guarantee Payments
under the benefit or annuity payments have begun) upon the death of the Owner (Annuitant if entity owned), also referred to as the
“Single Designated Life”, when we receive Due Proof of Death. The Death Benefit is the greatest of: the Minimum Death Benefit
(described later in this prospectus) or the Highest Daily Death Benefit Amount described below.
Highest Daily Death Benefit Amount:
On the date you elect Highest Daily Lifetime Income 2.0 with HD DB, the Highest Daily Death Benefit Amount is equal to your
Unadjusted Account Value. On each subsequent Valuation Day, until the date of death of the decedent, the Highest Daily Death
Benefit Amount will be the greater of:
(1) The Unadjusted Account Value on the current Valuation Day; and
(2) The Highest Daily Death Benefit Amount of the immediately preceding Valuation Day,
▪ increased by any Purchase Payments made on the current Valuation Day and,
▪ reduced by the effect of withdrawals made on the current Valuation Day, as described below.
Please note that the Highest Daily Death Benefit Amount does not have any guaranteed growth rate associated with it and therefore
can be a different amount than any of the guaranteed values associated with the living benefit features of Highest Daily Lifetime
Income 2.0 with HD DB.
A Non-Lifetime Withdrawal will proportionately reduce the Highest Daily Death Benefit Amount by the ratio of the Non-Lifetime
Withdrawal to the Account Value immediately prior to the Non-Lifetime Withdrawal. A Lifetime Withdrawal that is not
considered Excess Income will reduce the Highest Daily Death Benefit Amount (dollar-for-dollar) by the amount of the
withdrawal. All or a portion of a Lifetime Withdrawal that is considered Excess Income will proportionately reduce the Highest
Daily Death Benefit Amount by the ratio of the Excess Income to the Account Value immediately prior to the withdrawal of the
Excess Income.
The Highest Daily Death Benefit will be calculated on the date of death of the decedent and will be:
▪ increased by the amount of any additional Adjusted Purchase Payments, and
▪ reduced by the effect of any withdrawals (as described in the preceding paragraph), made during the period between the
decedent’s date of death and the date we receive Due Proof of Death.
We will reduce the Highest Daily Death Benefit Amount payable under this benefit by Purchase Credits applied during the period
beginning 12 months prior to the decedent’s date of death and ending on the date we receive Due Proof of Death. We may waive,
on a non-discriminatory basis, our right to deduct such Purchase Credits.
Please note that the Highest Daily Death Benefit Amount is available only until we make Guarantee Payments under
Highest Daily Lifetime Income 2.0 with HD DB or annuity payments begin.
All other provisions applicable to Death Benefits under your Annuity will continue to apply. See the “Death Benefits”
section of this prospectus for more information pertaining to Death Benefits.
Benefits Under Highest Daily Lifetime Income 2.0 with HD DB
▪ To the extent that your Unadjusted Account Value was reduced to zero as a result of cumulative Lifetime Withdrawals in an
Annuity Year that are less than or equal to the Annual Income Amount, and Guarantee Payments amounts are still payable
under Highest Daily Lifetime Income 2.0 with HD DB, we will make an additional payment, if any, for that Annuity Year
equal to the remaining Annual Income Amount for the Annuity Year. Thus, in that scenario, the remaining Annual Income
Amount would be payable even though your Unadjusted Account Value was reduced to zero. In subsequent Annuity Years we
make payments that equal the Annual Income Amount as described in this section. We will make payments until the death of
the single designated life. After the Unadjusted Account Value is reduced to zero, you will not be permitted to make additional
Purchase Payments to your Annuity. To the extent that cumulative partial withdrawals in the Annuity Year that reduced
your Unadjusted Account Value to zero are more than the Annual Income Amount, Highest Daily Lifetime Income 2.0
with HD DB terminates, and no additional payments are made.
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