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 T. Rowe Price Natural Resources Portfolio 03/15/2010 to 12/31/2010 $9.85900 $11.40731 27,897 01/01/2011 to 12/31/2011 $11.40731 $9.44376 9,596 AST Wellington Management Hedged Equity Portfolio formerly, AST Aggressive Asset Allocation Portfolio 05/02/2011* to 12/31/2011 $9.99775 $8.77381 0 AST Western Asset Core Plus Bond Portfolio 03/15/2010 to 12/31/2010 $9.99775 $10.33756 19,082 01/01/2011 to 12/31/2011 $10.33756 $10.66490 8,732 Franklin Templeton VIP Founding Funds Allocation Fund 03/15/2010 to 12/31/2010 $9.97028 $10.57635 150,872 01/01/2011 to 12/31/2011 $10.57635 $10.11938 78,190 * Denotes the start date of these sub-accounts Sub-Accounts PREMIER RETIREMENT L SERIES Pruco Life Insurance Company Prospectus ACCUMULATION UNIT VALUES: Basic Death Benefit Only (1.70%) 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 $9.96788 $10.81679 30,764,513 01/01/2011 to 12/31/2011 $10.81679 $10.35039 46,928,622 AST Advanced Strategies Portfolio 03/15/2010 to 12/31/2010 $9.97857 $10.92280 21,103,790 01/01/2011 to 12/31/2011 $10.92280 $10.74947 37,358,515 AST American Century Income & Growth Portfolio 03/15/2010 to 12/31/2010 $10.00710 $10.81739 751,455 01/01/2011 to 12/31/2011 $10.81739 $11.01353 1,598,623 AST Balanced Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98884 $10.77509 27,529,956 01/01/2011 to 12/31/2011 $10.77509 $10.46346 41,400,310 AST BlackRock Global Strategies Portfolio 05/02/2011* to 12/31/2011 $9.99859 $9.16386 8,260,503 AST BlackRock Value Portfolio formerly, AST Value Portfolio 03/15/2010 to 12/31/2010 $9.98620 $10.69150 120,198 01/01/2011 to 12/31/2011 $10.69150 $10.45834 772,322 AST Capital Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97776 $10.85587 30,971,093 01/01/2011 to 12/31/2011 $10.85587 $10.41265 38,111,848 AST CLS Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97784 $10.99668 15,939,271 01/01/2011 to 12/31/2011 $10.99668 $10.55184 23,481,024 AST CLS Moderate Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98765 $10.80894 16,553,746 01/01/2011 to 12/31/2011 $10.80894 $10.43243 26,668,098 A-16
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 Cohen & Steers Realty Portfolio 03/15/2010 to 12/31/2010 $9.95998 $11.81048 770,699 01/01/2011 to 12/31/2011 $11.81048 $12.37513 1,281,208 AST Federated Aggressive Growth Portfolio 03/15/2010 to 12/31/2010 $9.97192 $12.18384 426,864 01/01/2011 to 12/31/2011 $12.18384 $10.40658 1,042,929 AST FI Pyramis ® Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.99859 $10.90428 7,385,331 01/01/2011 to 12/31/2011 $10.90428 $10.45421 13,531,447 AST First Trust Balanced Target Portfolio 03/15/2010 to 12/31/2010 $9.97607 $11.03811 13,914,602 01/01/2011 to 12/31/2011 $11.03811 $10.68755 23,859,930 AST First Trust Capital Appreciation Target Portfolio 03/15/2010 to 12/31/2010 $9.96359 $11.53321 18,771,323 01/01/2011 to 12/31/2011 $11.53321 $10.63290 27,741,061 AST Global Real Estate Portfolio 03/15/2010 to 12/31/2010 $9.97026 $11.56952 460,733 01/01/2011 to 12/31/2011 $11.56952 $10.80000 635,517 AST Goldman Sachs Concentrated Growth Portfolio 03/15/2010 to 12/31/2010 $10.01859 $10.80359 658,085 01/01/2011 to 12/31/2011 $10.80359 $10.19990 1,034,751 AST Goldman Sachs Large-Cap Value Portfolio formerly, AST AllianceBernstein Growth & Income Portfolio 03/15/2010 to 12/31/2010 $9.99184 $10.78790 1,062,982 01/01/2011 to 12/31/2011 $10.78790 $10.01951 1,349,540 AST Goldman Sachs Mid-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $10.01991 $11.44014 1,392,125 01/01/2011 to 12/31/2011 $11.44014 $10.91114 1,843,266 AST Goldman Sachs Small-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.96522 $11.51535 1,228,729 01/01/2011 to 12/31/2011 $11.51535 $11.46720 2,008,504 AST High Yield Portfolio 03/15/2010 to 12/31/2010 $9.98457 $10.78613 1,300,745 01/01/2011 to 12/31/2011 $10.78613 $10.93950 2,241,709 AST Horizon Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97683 $10.89582 11,663,970 01/01/2011 to 12/31/2011 $10.89582 $10.64989 19,028,558 AST Horizon Moderate Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98833 $10.72450 13,413,172 01/01/2011 to 12/31/2011 $10.72450 $10.48895 22,240,645 AST International Growth Portfolio 03/15/2010 to 12/31/2010 $9.92942 $11.28154 747,119 01/01/2011 to 12/31/2011 $11.28154 $9.65674 913,382 AST International Value Portfolio 03/15/2010 to 12/31/2010 $9.92929 $10.81917 645,449 01/01/2011 to 12/31/2011 $10.81917 $9.30077 1,102,604 AST Investment Grade Bond Portfolio 03/15/2010 to 12/31/2010 $10.00682 $10.62325 11,936 01/01/2011 to 12/31/2011 $10.62325 $11.74255 157,644,524 AST Jennison Large-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.97144 $10.80010 369,555 01/01/2011 to 12/31/2011 $10.80010 $10.68707 715,742 A-17
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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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▪ Both designated lives were 70 y
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Required Minimum Distributions See
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newly-elected benefit will commence
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GUARANTEED RETURN OPTION PLUS II (G
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Page 182 and 183: Any amounts invested in the AST bon
Page 184 and 185: DEATH BENEFITS TRIGGERS FOR PAYMENT
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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
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Page 244 and 245: Annuity Comparison X Series B Serie
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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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Page 268 and 269: Here is the calculation: Withdrawal
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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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