Prudential Premier Retirement Variable Annuities

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Sub-Accounts Accumulation Unit Value at Beginning of Period Accumulation Unit Value at End of Period Number of Accumulation Units Outstanding at End of Period AST Quantitative Modeling Portfolio 05/02/2011* to 12/31/2011 $9.99847 $8.88788 2,470,946 AST Schroders Multi-Asset World Strategies Portfolio 03/15/2010 to 12/31/2010 $9.98235 $10.77457 12,822,769 01/01/2011 to 12/31/2011 $10.77457 $10.21799 20,814,989 AST Small-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.96085 $12.62928 506,068 01/01/2011 to 12/31/2011 $12.62928 $12.27464 1,125,305 AST Small-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.96428 $11.47783 380,118 01/01/2011 to 12/31/2011 $11.47783 $10.59244 622,032 AST T. Rowe Price Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.99216 $10.70296 19,296,637 01/01/2011 to 12/31/2011 $10.70296 $10.71365 39,420,262 AST T. Rowe Price Equity Income Portfolio formerly, AST AllianceBernstein Core Value Portfolio 03/15/2010 to 12/31/2010 $9.98581 $10.54809 376,764 01/01/2011 to 12/31/2011 $10.54809 $10.18355 509,407 AST T. Rowe Price Global Bond Portfolio 03/15/2010 to 12/31/2010 $9.98015 $10.32114 717,496 01/01/2011 to 12/31/2011 $10.32114 $10.54828 1,403,572 AST T. Rowe Price Large-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.97104 $11.14744 1,309,895 01/01/2011 to 12/31/2011 $11.14744 $10.75602 2,008,486 AST T. Rowe Price Natural Resources Portfolio 03/15/2010 to 12/31/2010 $9.85972 $11.48747 1,912,053 01/01/2011 to 12/31/2011 $11.48747 $9.59315 3,407,102 AST Wellington Management Hedged Equity Portfolio formerly, AST Aggressive Asset Allocation Portfolio 05/02/2011* to 12/31/2011 $9.99847 $8.82530 2,711,264 AST Western Asset Core Plus Bond Portfolio 03/15/2010 to 12/31/2010 $9.99847 $10.41023 2,255,133 01/01/2011 to 12/31/2011 $10.41023 $10.83354 4,205,372 Franklin Templeton VIP Founding Funds Allocation Fund 03/15/2010 to 12/31/2010 $9.97099 $10.65063 14,541,761 01/01/2011 to 12/31/2011 $10.65063 $10.27927 21,594,879 * Denotes the start date of these sub-accounts PREMIER RETIREMENT X SERIES Pruco Life Insurance Company Prospectus ACCUMULATION UNIT VALUES: With Combo 5%/HAV and HD GRO II OR Combo 5%/HAV and GRO Plus II (3.25%) Sub-Accounts Accumulation Unit Value at Beginning of Period Accumulation Unit Value at End of Period Number of Accumulation Units Outstanding at End of Period AST Academic Strategies Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.96658 $10.67920 65,586 01/01/2011 to 12/31/2011 $10.67920 $10.05801 32,305 A-4
Sub-Accounts Accumulation Unit Value at Beginning of Period Accumulation Unit Value at End of Period Number of Accumulation Units Outstanding at End of Period AST Advanced Strategies Portfolio 03/15/2010 to 12/31/2010 $9.97726 $10.78391 63,320 01/01/2011 to 12/31/2011 $10.78391 $10.44570 36,268 AST American Century Income & Growth Portfolio 03/15/2010 to 12/31/2010 $10.00580 $10.68000 0 01/01/2011 to 12/31/2011 $10.68000 $10.70255 0 AST Balanced Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98754 $10.63801 52,778 01/01/2011 to 12/31/2011 $10.63801 $10.16773 41,360 AST BlackRock Global Strategies Portfolio 05/02/2011* to 12/31/2011 $9.99728 $9.06646 5,266 AST BlackRock Value Portfolio formerly, AST Value Portfolio 03/15/2010 to 12/31/2010 $9.98489 $10.55547 6,008 01/01/2011 to 12/31/2011 $10.55547 $10.16268 2,215 AST Bond Portfolio 2017 03/15/2010 to 12/31/2010 $9.99728 $10.47326 1,077 01/01/2011 to 12/31/2011 $10.47326 $11.28966 176,639 AST Bond Portfolio 2018 03/15/2010 to 12/31/2010 $10.00599 $10.51568 0 01/01/2011 to 12/31/2011 $10.51568 $11.55635 171,789 AST Bond Portfolio 2019 03/15/2010 to 12/31/2010 $9.99728 $10.51855 0 01/01/2011 to 12/31/2011 $10.51855 $11.80304 0 AST Bond Portfolio 2020 03/15/2010 to 12/31/2010 $10.00811 $10.54905 0 01/01/2011 to 12/31/2011 $10.54905 $12.11329 0 AST Bond Portfolio 2021 03/15/2010 to 12/31/2010 $10.00704 $10.64953 0 01/01/2011 to 12/31/2011 $10.64953 $12.39610 1,039,227 AST Bond Portfolio 2022 01/03/2011* to 12/31/2011 $9.99728 $11.84372 63,992 AST Capital Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97645 $10.71790 391,948 01/01/2011 to 12/31/2011 $10.71790 $10.11846 164,486 AST CLS Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97654 $10.85687 281,346 01/01/2011 to 12/31/2011 $10.85687 $10.25378 119,373 AST CLS Moderate Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98634 $10.67150 21,946 01/01/2011 to 12/31/2011 $10.67150 $10.13769 17,203 AST Cohen & Steers Realty Portfolio 03/15/2010 to 12/31/2010 $9.95867 $11.66051 2,513 01/01/2011 to 12/31/2011 $11.66051 $12.02580 1,025 AST Federated Aggressive Growth Portfolio 03/15/2010 to 12/31/2010 $9.97062 $12.02896 63,773 01/01/2011 to 12/31/2011 $12.02896 $10.11241 19,152 AST FI Pyramis ® Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.99728 $10.76559 53,525 01/01/2011 to 12/31/2011 $10.76559 $10.15880 27,393 A-5
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PRUCO LIFE INSURANCE COMPANY PRUCO
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UNDERLYING PORTFOLIO UNDERLYING MUT
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ii. To the list of available variab
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II. NEW OPTIONAL BENEFITS This supp
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that may periodically transfer your
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Anniversary, we identify the Unadju
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Non-Lifetime Withdrawal Feature You
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▪ If annuity payments are to begi
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(iv) our receipt of Due Proof of De
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Example (assume the income basis is
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taken first from your own Account V
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While Spousal Highest Daily Lifetim
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** In this example, the first daily
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▪ Any Lifetime Withdrawal that yo
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to the death claim and the payment
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ages 59 1 ⁄2 to 64; 4.5% for ages
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Example of proportional reductions
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In general, withdrawals made from t
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certain in order to comply with the
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Upon termination of Highest Daily L
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Key Feature - Annual Income Amount
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Example of dollar-for-dollar reduct
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Highest Daily Death Benefit A Death
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newly-elected benefit will commence
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How Spousal Highest Daily Lifetime
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[THIS PAGE INTENTIONALLY LEFT BLANK
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The Prudential Insurance Company of
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COMBOSUP2 ADVANCED SERIES TRUST Sup
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Subadvisers Investment Categories a
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STYLE/ TYPE Asset Allocation COMBOS
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GENPROD2 PRUCO LIFE INSURANCE COMPA
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In the section titled “Investment
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Advanced Series Trust AST Academic
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DEATH BENEFITS ....................
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Guarantee Period: The period of tim
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C SERIES There is no CDSC or other
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OPTIONAL BENEFIT ANNUALIZED OPTIONA
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OPTIONAL BENEFIT ANNUALIZED OPTIONA
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EXPENSE EXAMPLES These examples are
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Please see “Investment Options,
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INVESTMENT OPTIONS The Investment O
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INVESTMENT OBJECTIVES/POLICIES ADVA
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INVESTMENT OBJECTIVES/POLICIES AST
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group (Group II) our “Custom Port
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For the Long-Term MVA Option, a Gua
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FEES, CHARGES AND DEDUCTIONS In thi
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Settlement Service Charge: If your
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additional Purchase Payments, unles
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Please note the following additiona
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MANAGING YOUR ACCOUNT VALUE There a
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Please Note: Contracts managed by y
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ACCESS TO ACCOUNT VALUE TYPES OF DI
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prior to age 59 1 ⁄2 if you elect
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ANNUITY OPTIONS Annuitization invol
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LIVING BENEFITS Pruco Life offers d
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Income 2.0 may be appropriate if yo
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subsequent Purchase Payments and wi
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make will be the first Lifetime Wit
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certain in order to comply with the
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transfer all amounts held in the AS
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Example: Assuming the Target Ratio
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If you elect Highest Daily Lifetime
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If the Annuity permits additional P
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If you have not made a Lifetime Wit
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▪ Spousal Highest Daily Lifetime
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Required Minimum Distributions See
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▪ One Annuity Owner, where the Ow
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effective date of the benefit, the
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Highest Daily Lifetime Income 2.0 w
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▪ The Annuitant was 70 years old
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▪ Please note that if your Unadju
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Page 170 and 171: Required Minimum Distributions See
Page 172 and 173: newly-elected benefit will commence
Page 174 and 175: GUARANTEED RETURN OPTION PLUS II (G
Page 176 and 177: time. The formula determines the ap
Page 178 and 179: Value” above for more details). Y
Page 180 and 181: HD GRO II uses a predetermined math
Page 182 and 183: Any amounts invested in the AST bon
Page 184 and 185: DEATH BENEFITS TRIGGERS FOR PAYMENT
Page 186 and 187: Calculation of Highest Anniversary
Page 188 and 189: A surviving spouse’s ability to c
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Page 192 and 193: TAX CONSIDERATIONS The tax consider
Page 194 and 195: Taxes Payable by Beneficiaries The
Page 196 and 197: A Nonqualified annuity may also be
Page 198 and 199: In any event, you must begin receiv
Page 200 and 201: ERISA Requirements ERISA (the “Em
Page 202 and 203: out of any other business we may co
Page 204 and 205: Cost Averaging, auto rebalancing, a
Page 206 and 207: Infinex Investments, Inc. ING Finan
Page 208 and 209: County, Illinois, was served on Pru
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Page 212 and 213: Sub-Accounts Accumulation Unit Valu
Page 230 and 231: PREMIER RETIREMENT L SERIES Pruco L
Page 234 and 235: Sub-Accounts PREMIER RETIREMENT C S
Page 244 and 245: Annuity Comparison X Series B Serie
Page 246 and 247: The shaded values indicate the high
Page 250 and 251: holidays), plus the amount of any P
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Page 260 and 261: to as the “LIA Amount”) if you
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The “Periodic Value” is initial
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Amount on a dollar-for-dollar basis
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Here is the calculation: Withdrawal
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Election of and Designations under
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holidays), plus the amount of any P
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Examples of dollar-for-dollar and p
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Required Minimum Distributions Requ
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▪ If you elect this benefit and i
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Generally, the formula, which is ap
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Additional Tax Considerations If yo
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LIA Amount after the first Lifetime
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section above entitled “How Highe
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Highest Daily Auto Step-Up An autom
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Non-Lifetime Withdrawal Feature You
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apply to current participants in th
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If the formula ratio is less than a
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We reserve the right to waive the l
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If the formula ratio is less than a
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▪ T - the amount of a transfer in
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You can have a traditional IRA whet
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2. Rollovers from an employer retir
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Distributions from traditional IRAs
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income, and dividend income), pensi
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c. Made to a Beneficiary or to your
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CONTINGENT DEFERRED SALES CHARGE 1
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The Prudential Insurance Company of
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Prudential Premier Retirement Variable Annuities

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