Prudential Premier Retirement Variable Annuities

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PREMIER RETIREMENT L 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 (3.10%) 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 $9.96671 $10.69261 21,185 01/01/2011 to 12/31/2011 $10.69261 $10.08624 17,857 AST Advanced Strategies Portfolio 03/15/2010 to 12/31/2010 $9.97739 $10.79745 29,168 01/01/2011 to 12/31/2011 $10.79745 $10.47512 41,747 AST American Century Income & Growth Portfolio 03/15/2010 to 12/31/2010 $10.00592 $10.69335 2,972 01/01/2011 to 12/31/2011 $10.69335 $10.73257 1,550 AST Balanced Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98767 $10.65135 78,854 01/01/2011 to 12/31/2011 $10.65135 $10.19628 34,837 AST BlackRock Global Strategies Portfolio 05/02/2011* to 12/31/2011 $9.99741 $9.07593 163 AST BlackRock Value Portfolio formerly, AST Value Portfolio 03/15/2010 to 12/31/2010 $9.98502 $10.56868 970 01/01/2011 to 12/31/2011 $10.56868 $10.19120 890 AST Bond Portfolio 2017 03/15/2010 to 12/31/2010 $9.99741 $10.48637 9,886 01/01/2011 to 12/31/2011 $10.48637 $11.32131 280,983 AST Bond Portfolio 2018 03/15/2010 to 12/31/2010 $10.00612 $10.52885 0 01/01/2011 to 12/31/2011 $10.52885 $11.58868 133,116 AST Bond Portfolio 2019 03/15/2010 to 12/31/2010 $9.99741 $10.53165 0 01/01/2011 to 12/31/2011 $10.53165 $11.83610 0 AST Bond Portfolio 2020 03/15/2010 to 12/31/2010 $10.00823 $10.56221 0 01/01/2011 to 12/31/2011 $10.56221 $12.14716 0 AST Bond Portfolio 2021 03/15/2010 to 12/31/2010 $10.00717 $10.66288 0 01/01/2011 to 12/31/2011 $10.66288 $12.43071 138,180 AST Bond Portfolio 2022 01/03/2011* to 12/31/2011 $9.99741 $11.86199 14,378 AST Capital Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97658 $10.73111 136,278 01/01/2011 to 12/31/2011 $10.73111 $10.14668 44,840 AST CLS Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97667 $10.87045 28,056 01/01/2011 to 12/31/2011 $10.87045 $10.28249 17,039 AST CLS Moderate Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98647 $10.68478 15,971 01/01/2011 to 12/31/2011 $10.68478 $10.16604 9,844 A-20
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 $9.95880 $11.67491 402 01/01/2011 to 12/31/2011 $11.67491 $12.05919 237 AST Federated Aggressive Growth Portfolio 03/15/2010 to 12/31/2010 $9.97075 $12.04402 43 01/01/2011 to 12/31/2011 $12.04402 $10.14082 113 AST FI Pyramis ® Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.99741 $10.77910 28,003 01/01/2011 to 12/31/2011 $10.77910 $10.18727 16,651 AST First Trust Balanced Target Portfolio 03/15/2010 to 12/31/2010 $9.97489 $10.91143 32,740 01/01/2011 to 12/31/2011 $10.91143 $10.41475 25,438 AST First Trust Capital Appreciation Target Portfolio 03/15/2010 to 12/31/2010 $9.96241 $11.40087 98,922 01/01/2011 to 12/31/2011 $11.40087 $10.36144 33,813 AST Global Real Estate Portfolio 03/15/2010 to 12/31/2010 $9.96908 $11.43692 2,250 01/01/2011 to 12/31/2011 $11.43692 $10.52447 850 AST Goldman Sachs Concentrated Growth Portfolio 03/15/2010 to 12/31/2010 $10.01741 $10.67948 670 01/01/2011 to 12/31/2011 $10.67948 $9.93936 224 AST Goldman Sachs Large-Cap Value Portfolio formerly, AST AllianceBernstein Growth & Income Portfolio 03/15/2010 to 12/31/2010 $9.99066 $10.66408 999 01/01/2011 to 12/31/2011 $10.66408 $9.76363 393 AST Goldman Sachs Mid-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $10.01873 $11.30877 8,522 01/01/2011 to 12/31/2011 $11.30877 $10.63239 3,534 AST Goldman Sachs Small-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.96404 $11.38325 6,047 01/01/2011 to 12/31/2011 $11.38325 $11.17453 2,349 AST High Yield Portfolio 03/15/2010 to 12/31/2010 $9.98339 $10.66230 5,117 01/01/2011 to 12/31/2011 $10.66230 $10.66028 2,547 AST Horizon Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97565 $10.77066 9,053 01/01/2011 to 12/31/2011 $10.77066 $10.37784 3,314 AST Horizon Moderate Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98716 $10.60133 25,834 01/01/2011 to 12/31/2011 $10.60133 $10.22123 13,110 AST International Growth Portfolio 03/15/2010 to 12/31/2010 $9.92824 $11.15207 119 01/01/2011 to 12/31/2011 $11.15207 $9.41014 0 AST International Value Portfolio 03/15/2010 to 12/31/2010 $9.92811 $10.69498 0 01/01/2011 to 12/31/2011 $10.69498 $9.06313 0 AST Jennison Large-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.97026 $10.67604 0 01/01/2011 to 12/31/2011 $10.67604 $10.41409 150 A-21
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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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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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time. The formula determines the ap
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Value” above for more details). Y
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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 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
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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
Page 266 and 267: Amount on a dollar-for-dollar basis
Page 268 and 269: Here is the calculation: Withdrawal
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Page 274 and 275: holidays), plus the amount of any P
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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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