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 Schroders Multi-Asset World Strategies Portfolio 03/15/2010 to 12/31/2010 $9.98117 $10.65078 56,983 01/01/2011 to 12/31/2011 $10.65078 $9.95693 55,318 AST Small-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.95967 $12.48393 57,911 01/01/2011 to 12/31/2011 $12.48393 $11.96054 13,558 AST Small-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.96310 $11.34575 33,429 01/01/2011 to 12/31/2011 $11.34575 $10.32143 8,067 AST T. Rowe Price Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.99098 $10.57983 150,188 01/01/2011 to 12/31/2011 $10.57983 $10.43968 82,958 AST T. Rowe Price Equity Income Portfolio formerly, AST AllianceBernstein Core Value Portfolio 03/15/2010 to 12/31/2010 $9.98463 $10.42678 1,049 01/01/2011 to 12/31/2011 $10.42678 $9.92304 396 AST T. Rowe Price Global Bond Portfolio 03/15/2010 to 12/31/2010 $9.97897 $10.20242 946 01/01/2011 to 12/31/2011 $10.20242 $10.27861 8,726 AST T. Rowe Price Large-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.96986 $11.01931 8,318 01/01/2011 to 12/31/2011 $11.01931 $10.48112 2,700 AST T. Rowe Price Natural Resources Portfolio 03/15/2010 to 12/31/2010 $9.85854 $11.35536 14,109 01/01/2011 to 12/31/2011 $11.35536 $9.34768 6,503 AST Wellington Management Hedged Equity Portfolio formerly, AST Aggressive Asset Allocation Portfolio 05/02/2011* to 12/31/2011 $9.99728 $8.74046 939 AST Western Asset Core Plus Bond Portfolio 03/15/2010 to 12/31/2010 $9.99728 $10.29052 18,664 01/01/2011 to 12/31/2011 $10.29052 $10.55671 18,479 Franklin Templeton VIP Founding Funds Allocation Fund 03/15/2010 to 12/31/2010 $9.96981 $10.52821 310,853 01/01/2011 to 12/31/2011 $10.52821 $10.01633 139,694 * Denotes the start date of these sub-accounts Sub-Accounts PREMIER RETIREMENT B SERIES Pruco Life Insurance Company Prospectus ACCUMULATION UNIT VALUES: Basic Death Benefit Only (1.30%) 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 $9.96822 $10.85224 26,061,580 01/01/2011 to 12/31/2011 $10.85224 $10.42656 42,594,262 AST Advanced Strategies Portfolio 03/15/2010 to 12/31/2010 $9.97890 $10.95858 23,763,450 01/01/2011 to 12/31/2011 $10.95858 $10.82832 47,458,243 A-8
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 American Century Income & Growth Portfolio 03/15/2010 to 12/31/2010 $10.00744 $10.85287 814,994 01/01/2011 to 12/31/2011 $10.85287 $11.09452 1,473,637 AST Balanced Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98918 $10.81032 31,826,087 01/01/2011 to 12/31/2011 $10.81032 $10.54027 51,822,696 AST BlackRock Global Strategies Portfolio 05/02/2011* to 12/31/2011 $9.99892 $9.18873 9,845,067 AST BlackRock Value Portfolio formerly, AST Value Portfolio 03/15/2010 to 12/31/2010 $9.98653 $10.72651 198,561 01/01/2011 to 12/31/2011 $10.72651 $10.53507 1,075,827 AST Capital Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97809 $10.89145 27,069,366 01/01/2011 to 12/31/2011 $10.89145 $10.48915 37,814,832 AST CLS Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97818 $11.03265 15,257,174 01/01/2011 to 12/31/2011 $11.03265 $10.62929 26,726,585 AST CLS Moderate Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98798 $10.84421 18,706,448 01/01/2011 to 12/31/2011 $10.84421 $10.50892 34,942,290 AST Cohen & Steers Realty Portfolio 03/15/2010 to 12/31/2010 $9.96031 $11.84909 846,857 01/01/2011 to 12/31/2011 $11.84909 $12.46608 1,407,302 AST Federated Aggressive Growth Portfolio 03/15/2010 to 12/31/2010 $9.97226 $12.22363 439,021 01/01/2011 to 12/31/2011 $12.22363 $10.48304 1,124,729 AST FI Pyramis ® Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.99892 $10.93987 8,078,952 01/01/2011 to 12/31/2011 $10.93987 $10.53088 16,343,076 AST First Trust Balanced Target Portfolio 03/15/2010 to 12/31/2010 $9.97640 $11.07430 15,657,160 01/01/2011 to 12/31/2011 $11.07430 $10.76605 30,056,901 AST First Trust Capital Appreciation Target Portfolio 03/15/2010 to 12/31/2010 $9.96392 $11.57100 16,326,236 01/01/2011 to 12/31/2011 $11.57100 $10.71112 27,779,420 AST Global Real Estate Portfolio 03/15/2010 to 12/31/2010 $9.97060 $11.60747 367,927 01/01/2011 to 12/31/2011 $11.60747 $10.87942 646,128 AST Goldman Sachs Concentrated Growth Portfolio 03/15/2010 to 12/31/2010 $10.01892 $10.83890 671,433 01/01/2011 to 12/31/2011 $10.83890 $10.27481 949,802 AST Goldman Sachs Large-Cap Value Portfolio formerly, AST AllianceBernstein Growth & Income Portfolio 03/15/2010 to 12/31/2010 $9.99217 $10.82329 770,951 01/01/2011 to 12/31/2011 $10.82329 $10.09318 1,269,237 AST Goldman Sachs Mid-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $10.02025 $11.47753 1,040,702 01/01/2011 to 12/31/2011 $11.47753 $10.99121 1,561,424 AST Goldman Sachs Small-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.96555 $11.55299 1,356,838 01/01/2011 to 12/31/2011 $11.55299 $11.55148 2,116,961 A-9
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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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The benefit automatically terminate
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(c) all Purchase Payments (includin
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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
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Page 192 and 193: TAX CONSIDERATIONS The tax consider
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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
Page 262 and 263: the latter scenario, we determine w
Page 264 and 265: The “Periodic Value” is initial
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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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