Prudential Premier Retirement Variable Annuities

More documents

Recommendations

Info

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 Jennison Large-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.97176 $10.58426 647,767 01/01/2011 to 12/31/2011 $10.58426 $9.79363 931,722 AST JPMorgan International Equity Portfolio 03/15/2010 to 12/31/2010 $9.92194 $10.58075 1,222,927 01/01/2011 to 12/31/2011 $10.58075 $9.44941 1,765,458 AST JPMorgan Strategic Opportunities Portfolio 03/15/2010 to 12/31/2010 $9.99859 $10.61090 7,494,738 01/01/2011 to 12/31/2011 $10.61090 $10.45511 12,799,949 AST Large-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.99058 $10.64194 445,909 01/01/2011 to 12/31/2011 $10.64194 $10.02358 821,379 AST Lord Abbett Core-Fixed Income Portfolio formerly, AST Lord Abbett Bond-Debenture Portfolio 03/15/2010 to 12/31/2010 $9.98877 $10.84532 588,204 01/01/2011 to 12/31/2011 $10.84532 $11.74557 3,386,686 AST Marsico Capital Growth Portfolio 03/15/2010 to 12/31/2010 $9.99269 $11.33042 1,208,214 01/01/2011 to 12/31/2011 $11.33042 $11.03643 1,826,589 AST MFS Global Equity Portfolio 03/15/2010 to 12/31/2010 $9.98772 $10.91885 986,150 01/01/2011 to 12/31/2011 $10.91885 $10.39724 1,850,604 AST MFS Growth Portfolio 03/15/2010 to 12/31/2010 $9.99859 $10.89440 383,418 01/01/2011 to 12/31/2011 $10.89440 $10.64578 587,566 AST Mid-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.98885 $11.52646 408,851 01/01/2011 to 12/31/2011 $11.52646 $10.93968 738,315 AST Money Market Portfolio 03/15/2010 to 12/31/2010 $9.99860 $9.86455 1,756,415 01/01/2011 to 12/31/2011 $9.86455 $9.69934 4,378,576 AST Neuberger Berman Core Bond Portfolio 10/31/2011* to 12/31/2011 $10.02850 $10.06988 90,947 AST Neuberger Berman Mid-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.95889 $11.94964 712,070 01/01/2011 to 12/31/2011 $11.94964 $11.94490 1,362,309 AST Neuberger Berman Small-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.97302 $11.45213 337,443 01/01/2011 to 04/29/2011 $11.45213 $12.84323 0 AST Neuberger Berman / LSV Mid-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.99114 $11.25860 962,132 01/01/2011 to 12/31/2011 $11.25860 $10.79250 1,541,843 AST Parametric Emerging Markets Equity Portfolio 03/15/2010 to 12/31/2010 $9.93907 $11.70034 2,484,727 01/01/2011 to 12/31/2011 $11.70034 $9.17013 3,419,207 AST PIMCO Limited Maturity Bond Portfolio 03/15/2010 to 12/31/2010 $10.00802 $10.10254 1,452,999 01/01/2011 to 12/31/2011 $10.10254 $10.15429 3,620,347 AST PIMCO Total Return Bond Portfolio 03/15/2010 to 12/31/2010 $10.00694 $10.37575 16,233,285 01/01/2011 to 12/31/2011 $10.37575 $10.52377 25,947,306 A-18
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 Preservation Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98956 $10.61981 19,097,676 01/01/2011 to 12/31/2011 $10.61981 $10.54353 35,425,896 AST <strong>Prudential</strong> Core Bond Portfolio 10/31/2011* to 12/31/2011 $10.01851 $10.06978 272,121 AST QMA US Equity Alpha Portfolio 03/15/2010 to 12/31/2010 $9.99859 $10.91439 247,126 01/01/2011 to 12/31/2011 $10.91439 $11.10006 545,381 AST Quantitative Modeling Portfolio 05/02/2011* to 12/31/2011 $9.99859 $8.89689 4,804,905 AST Schroders Multi-Asset World Strategies Portfolio 03/15/2010 to 12/31/2010 $9.98247 $10.78795 23,160,057 01/01/2011 to 12/31/2011 $10.78795 $10.24638 35,666,558 AST Small-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.96097 $12.64476 546,119 01/01/2011 to 12/31/2011 $12.64476 $12.30830 1,033,660 AST Small-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.96440 $11.49200 373,436 01/01/2011 to 12/31/2011 $11.49200 $10.62167 635,080 AST T. Rowe Price Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.99229 $10.71605 24,269,579 01/01/2011 to 12/31/2011 $10.71605 $10.74314 44,365,420 AST T. Rowe Price Equity Income Portfolio formerly, AST AllianceBernstein Core Value Portfolio 03/15/2010 to 12/31/2010 $9.98593 $10.56101 678,046 01/01/2011 to 12/31/2011 $10.56101 $10.21155 824,490 AST T. Rowe Price Global Bond Portfolio 03/15/2010 to 12/31/2010 $9.98028 $10.33385 1,336,731 01/01/2011 to 12/31/2011 $10.33385 $10.57749 2,293,269 AST T. Rowe Price Large-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.97117 $11.16117 1,886,107 01/01/2011 to 12/31/2011 $11.16117 $10.78581 3,234,502 AST T. Rowe Price Natural Resources Portfolio 03/15/2010 to 12/31/2010 $9.85984 $11.50158 2,083,250 01/01/2011 to 12/31/2011 $11.50158 $9.61963 3,652,343 AST Wellington Management Hedged Equity Portfolio formerly, AST Aggressive Asset Allocation Portfolio 05/02/2011* to 12/31/2011 $9.99859 $8.83435 4,284,929 AST Western Asset Core Plus Bond Portfolio 03/15/2010 to 12/31/2010 $9.99859 $10.42309 2,739,117 01/01/2011 to 12/31/2011 $10.42309 $10.86347 5,381,783 Franklin Templeton VIP Founding Funds Allocation Fund 03/15/2010 to 12/31/2010 $9.97112 $10.66370 22,435,067 01/01/2011 to 12/31/2011 $10.66370 $10.30757 29,830,471 * Denotes the start date of these sub-accounts A-19
Page 1 and 2:
PRUCO LIFE INSURANCE COMPANY PRUCO
Page 3 and 4:
UNDERLYING PORTFOLIO UNDERLYING MUT
Page 5 and 6:
Page 7 and 8:
ii. To the list of available variab
Page 9 and 10:
II. NEW OPTIONAL BENEFITS This supp
Page 11 and 12:
that may periodically transfer your
Page 13 and 14:
Anniversary, we identify the Unadju
Page 15 and 16:
Non-Lifetime Withdrawal Feature You
Page 17 and 18:
▪ If annuity payments are to begi
Page 19 and 20:
(iv) our receipt of Due Proof of De
Page 21 and 22:
Example (assume the income basis is
Page 23 and 24:
taken first from your own Account V
Page 25 and 26:
While Spousal Highest Daily Lifetim
Page 27 and 28:
** In this example, the first daily
Page 29 and 30:
▪ Any Lifetime Withdrawal that yo
Page 31 and 32:
to the death claim and the payment
Page 33 and 34:
ages 59 1 ⁄2 to 64; 4.5% for ages
Page 35 and 36:
Example of proportional reductions
Page 37 and 38:
In general, withdrawals made from t
Page 39 and 40:
certain in order to comply with the
Page 41 and 42:
Upon termination of Highest Daily L
Page 43 and 44:
Key Feature - Annual Income Amount
Page 45 and 46:
Example of dollar-for-dollar reduct
Page 47 and 48:
Highest Daily Death Benefit A Death
Page 49 and 50:
newly-elected benefit will commence
Page 51 and 52:
How Spousal Highest Daily Lifetime
Page 53 and 54:
[THIS PAGE INTENTIONALLY LEFT BLANK
Page 55 and 56:
Page 57 and 58:
Page 60 and 61:
The Prudential Insurance Company of
Page 62 and 63:
COMBOSUP2 ADVANCED SERIES TRUST Sup
Page 64 and 65:
Subadvisers Investment Categories a
Page 66 and 67:
STYLE/ TYPE Asset Allocation COMBOS
Page 68 and 69:
GENPROD2 PRUCO LIFE INSURANCE COMPA
Page 70 and 71:
Page 72 and 73:
In the section titled “Investment
Page 74 and 75:
Page 76 and 77:
Advanced Series Trust AST Academic
Page 78 and 79:
DEATH BENEFITS ....................
Page 80 and 81:
Guarantee Period: The period of tim
Page 82 and 83:
C SERIES There is no CDSC or other
Page 84 and 85:
OPTIONAL BENEFIT ANNUALIZED OPTIONA
Page 86 and 87:
OPTIONAL BENEFIT ANNUALIZED OPTIONA
Page 88 and 89:
Page 90 and 91:
EXPENSE EXAMPLES These examples are
Page 92 and 93:
Please see “Investment Options,
Page 94 and 95:
INVESTMENT OPTIONS The Investment O
Page 96 and 97:
INVESTMENT OBJECTIVES/POLICIES ADVA
Page 98 and 99:
INVESTMENT OBJECTIVES/POLICIES AST
Page 100 and 101:
Page 102 and 103:
Page 104 and 105:
Page 106 and 107:
Page 108 and 109:
group (Group II) our “Custom Port
Page 110 and 111:
For the Long-Term MVA Option, a Gua
Page 112 and 113:
FEES, CHARGES AND DEDUCTIONS In thi
Page 114 and 115:
Settlement Service Charge: If your
Page 116 and 117:
additional Purchase Payments, unles
Page 118 and 119:
Please note the following additiona
Page 120 and 121:
MANAGING YOUR ACCOUNT VALUE There a
Page 122 and 123:
Please Note: Contracts managed by y
Page 124 and 125:
ACCESS TO ACCOUNT VALUE TYPES OF DI
Page 126 and 127:
prior to age 59 1 ⁄2 if you elect
Page 128 and 129:
ANNUITY OPTIONS Annuitization invol
Page 130 and 131:
LIVING BENEFITS Pruco Life offers d
Page 132 and 133:
Income 2.0 may be appropriate if yo
Page 134 and 135:
subsequent Purchase Payments and wi
Page 136 and 137:
make will be the first Lifetime Wit
Page 138 and 139:
certain in order to comply with the
Page 140 and 141:
transfer all amounts held in the AS
Page 142 and 143:
Example: Assuming the Target Ratio
Page 144 and 145:
If you elect Highest Daily Lifetime
Page 146 and 147:
If the Annuity permits additional P
Page 148 and 149:
If you have not made a Lifetime Wit
Page 150 and 151:
▪ Spousal Highest Daily Lifetime
Page 152 and 153:
Required Minimum Distributions See
Page 154 and 155:
▪ One Annuity Owner, where the Ow
Page 156 and 157:
effective date of the benefit, the
Page 158 and 159:
Highest Daily Lifetime Income 2.0 w
Page 160 and 161:
▪ The Annuitant was 70 years old
Page 162 and 163:
▪ Please note that if your Unadju
Page 164 and 165:
The benefit automatically terminate
Page 166 and 167:
(c) all Purchase Payments (includin
Page 168 and 169:
▪ Both designated lives were 70 y
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
Page 190 and 191: VALUING YOUR INVESTMENT VALUING THE
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
Page 210 and 211: [THIS PAGE INTENTIONALLY LEFT BLANK
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
Page 252 and 253: Examples of dollar-for-dollar and p
Page 254 and 255: Required Minimum Distributions Requ
Page 256 and 257: Unadjusted Account Value and Protec
Page 258 and 259: equire a transfer to the Bond Sub-a
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
Page 266 and 267: Amount on a dollar-for-dollar basis
Page 268 and 269: Here is the calculation: Withdrawal
Page 270 and 271: Election of and Designations under
Page 274 and 275: holidays), plus the amount of any P
Page 276 and 277: Examples of dollar-for-dollar and p
Page 278 and 279:
Required Minimum Distributions Requ
Page 280 and 281:
▪ If you elect this benefit and i
Page 282 and 283:
Generally, the formula, which is ap
Page 284 and 285:
Additional Tax Considerations If yo
Page 286 and 287:
LIA Amount after the first Lifetime
Page 288 and 289:
section above entitled “How Highe
Page 290 and 291:
Highest Daily Auto Step-Up An autom
Page 292 and 293:
Non-Lifetime Withdrawal Feature You
Page 294 and 295:
apply to current participants in th
Page 296 and 297:
Page 298 and 299:
If the formula ratio is less than a
Page 300 and 301:
Page 302 and 303:
We reserve the right to waive the l
Page 304 and 305:
Page 306 and 307:
If the formula ratio is less than a
Page 308 and 309:
Page 310 and 311:
▪ T - the amount of a transfer in
Page 312 and 313:
Page 314 and 315:
You can have a traditional IRA whet
Page 316 and 317:
2. Rollovers from an employer retir
Page 318 and 319:
Distributions from traditional IRAs
Page 320 and 321:
Page 322 and 323:
income, and dividend income), pensi
Page 324 and 325:
c. Made to a Beneficiary or to your
Page 326 and 327:
Page 328 and 329:
CONTINGENT DEFERRED SALES CHARGE 1
Page 330 and 331:
Page 332:
The Prudential Insurance Company of
show all

Prudential Premier Retirement Variable Annuities

Create successful ePaper yourself

Delete template?

Save as template?