Prudential Premier Retirement Variable Annuities

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Sub-Accounts PREMIER RETIREMENT C SERIES Pruco Life Insurance Company Prospectus ACCUMULATION UNIT VALUES: Basic Death Benefit Only (1.75%) 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 $9.96784 $10.81229 2,034,566 01/01/2011 to 12/31/2011 $10.81229 $10.34079 3,415,308 AST Advanced Strategies Portfolio 03/15/2010 to 12/31/2010 $9.97853 $10.91830 1,747,701 01/01/2011 to 12/31/2011 $10.91830 $10.73950 2,675,653 AST American Century Income & Growth Portfolio 03/15/2010 to 12/31/2010 $10.00706 $10.81301 73,873 01/01/2011 to 12/31/2011 $10.81301 $11.00358 98,448 AST Balanced Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98880 $10.77058 2,033,167 01/01/2011 to 12/31/2011 $10.77058 $10.45375 3,325,286 AST BlackRock Global Strategies Portfolio 05/02/2011* to 12/31/2011 $9.99855 $9.16071 544,211 AST BlackRock Value Portfolio formerly, AST Value Portfolio 03/15/2010 to 12/31/2010 $9.98616 $10.68707 44,748 01/01/2011 to 12/31/2011 $10.68707 $10.44865 127,344 AST Capital Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97772 $10.85132 1,937,824 01/01/2011 to 12/31/2011 $10.85132 $10.40307 2,495,805 AST CLS Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97780 $10.99214 734,415 01/01/2011 to 12/31/2011 $10.99214 $10.54213 1,327,653 AST CLS Moderate Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98761 $10.80442 1,168,843 01/01/2011 to 12/31/2011 $10.80442 $10.42280 2,001,044 AST Cohen & Steers Realty Portfolio 03/15/2010 to 12/31/2010 $9.95994 $11.80558 89,137 01/01/2011 to 12/31/2011 $11.80558 $12.36368 137,541 AST Federated Aggressive Growth Portfolio 03/15/2010 to 12/31/2010 $9.97188 $12.17884 50,866 01/01/2011 to 12/31/2011 $12.17884 $10.39703 84,930 AST FI Pyramis ® Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.99855 $10.89984 404,169 01/01/2011 to 12/31/2011 $10.89984 $10.44463 784,875 AST First Trust Balanced Target Portfolio 03/15/2010 to 12/31/2010 $9.97603 $11.03356 1,145,809 01/01/2011 to 12/31/2011 $11.03356 $10.67767 1,795,727 AST First Trust Capital Appreciation Target Portfolio 03/15/2010 to 12/31/2010 $9.96354 $11.52850 1,209,612 01/01/2011 to 12/31/2011 $11.52850 $10.62310 1,717,920 AST Global Real Estate Portfolio 03/15/2010 to 12/31/2010 $9.97022 $11.56479 36,396 01/01/2011 to 12/31/2011 $11.56479 $10.79005 34,529 A-24
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 Goldman Sachs Concentrated Growth Portfolio 03/15/2010 to 12/31/2010 $10.01855 $10.79913 35,823 01/01/2011 to 12/31/2011 $10.79913 $10.19048 43,964 AST Goldman Sachs Large-Cap Value Portfolio formerly, AST AllianceBernstein Growth & Income Portfolio 03/15/2010 to 12/31/2010 $9.99180 $10.78349 49,020 01/01/2011 to 12/31/2011 $10.78349 $10.01031 53,065 AST Goldman Sachs Mid-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $10.01987 $11.43545 104,734 01/01/2011 to 12/31/2011 $11.43545 $10.90107 140,337 AST Goldman Sachs Small-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.96518 $11.51063 119,251 01/01/2011 to 12/31/2011 $11.51063 $11.45679 146,574 AST High Yield Portfolio 03/15/2010 to 12/31/2010 $9.98452 $10.78171 196,903 01/01/2011 to 12/31/2011 $10.78171 $10.92947 365,275 AST Horizon Growth Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.97679 $10.89130 425,193 01/01/2011 to 12/31/2011 $10.89130 $10.64008 1,155,407 AST Horizon Moderate Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98829 $10.72009 979,508 01/01/2011 to 12/31/2011 $10.72009 $10.47940 1,929,435 AST International Growth Portfolio 03/15/2010 to 12/31/2010 $9.92938 $11.27694 65,902 01/01/2011 to 12/31/2011 $11.27694 $9.64782 66,069 AST International Value Portfolio 03/15/2010 to 12/31/2010 $9.92925 $10.81483 135,925 01/01/2011 to 12/31/2011 $10.81483 $9.29226 116,371 AST Investment Grade Bond Portfolio 03/15/2010 to 12/31/2010 $10.00678 $10.61892 2,171 01/01/2011 to 12/31/2011 $10.61892 $11.73180 10,979,505 AST Jennison Large-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.97140 $10.79575 57,130 01/01/2011 to 12/31/2011 $10.79575 $10.67737 71,563 AST Jennison Large-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.97172 $10.57991 65,272 01/01/2011 to 12/31/2011 $10.57991 $9.78468 71,816 AST JPMorgan International Equity Portfolio 03/15/2010 to 12/31/2010 $9.92190 $10.57658 198,793 01/01/2011 to 12/31/2011 $10.57658 $9.44081 244,688 AST JPMorgan Strategic Opportunities Portfolio 03/15/2010 to 12/31/2010 $9.99855 $10.60650 1,003,418 01/01/2011 to 12/31/2011 $10.60650 $10.44555 1,733,593 AST Large-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.99054 $10.63757 67,867 01/01/2011 to 12/31/2011 $10.63757 $10.01439 102,771 AST Lord Abbett Core-Fixed Income Portfolio formerly, AST Lord Abbett Bond-Debenture Portfolio 03/15/2010 to 12/31/2010 $9.98873 $10.84081 255,361 01/01/2011 to 12/31/2011 $10.84081 $11.73472 573,729 A-25
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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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HD GRO II uses a predetermined math
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Any amounts invested in the AST bon
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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 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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Page 274 and 275: holidays), plus the amount of any P
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Page 280 and 281: ▪ If you elect this benefit and i
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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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