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 Marsico Capital Growth Portfolio 03/15/2010 to 12/31/2010 $9.99265 $11.32577 121,113 01/01/2011 to 12/31/2011 $11.32577 $11.02625 147,682 AST MFS Global Equity Portfolio 03/15/2010 to 12/31/2010 $9.98768 $10.91439 101,607 01/01/2011 to 12/31/2011 $10.91439 $10.38774 225,790 AST MFS Growth Portfolio 03/15/2010 to 12/31/2010 $9.99855 $10.88984 53,154 01/01/2011 to 12/31/2011 $10.88984 $10.63594 55,618 AST Mid-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.98881 $11.52183 54,932 01/01/2011 to 12/31/2011 $11.52183 $10.92973 53,639 AST Money Market Portfolio 03/15/2010 to 12/31/2010 $9.99855 $9.86040 369,181 01/01/2011 to 12/31/2011 $9.86040 $9.69018 918,392 AST Neuberger Berman Core Bond Portfolio 10/31/2011* to 12/31/2011 $10.02846 $10.06897 18,438 AST Neuberger Berman Mid-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.95884 $11.94484 41,457 01/01/2011 to 12/31/2011 $11.94484 $11.93405 76,213 AST Neuberger Berman Small-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.97297 $11.44748 45,591 01/01/2011 to 04/29/2011 $11.44748 $12.83593 0 AST Neuberger Berman / LSV Mid-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.99110 $11.25415 151,934 01/01/2011 to 12/31/2011 $11.25415 $10.78277 178,543 AST Parametric Emerging Markets Equity Portfolio 03/15/2010 to 12/31/2010 $9.93903 $11.69549 269,663 01/01/2011 to 12/31/2011 $11.69549 $9.16163 250,430 AST PIMCO Limited Maturity Bond Portfolio 03/15/2010 to 12/31/2010 $10.00797 $10.09850 364,406 01/01/2011 to 12/31/2011 $10.09850 $10.14512 1,041,349 AST PIMCO Total Return Bond Portfolio 03/15/2010 to 12/31/2010 $10.00690 $10.37151 2,514,210 01/01/2011 to 12/31/2011 $10.37151 $10.51419 3,476,727 AST Preservation Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98952 $10.61539 3,744,436 01/01/2011 to 12/31/2011 $10.61539 $10.53375 6,646,084 AST <strong>Prudential</strong> Core Bond Portfolio 10/31/2011* to 12/31/2011 $10.01847 $10.06887 100,212 AST QMA US Equity Alpha Portfolio 03/15/2010 to 12/31/2010 $9.99855 $10.90996 60,019 01/01/2011 to 12/31/2011 $10.90996 $11.08995 49,984 AST Quantitative Modeling Portfolio 05/02/2011* to 12/31/2011 $9.99855 $8.89388 81,397 AST Schroders Multi-Asset World Strategies Portfolio 03/15/2010 to 12/31/2010 $9.98243 $10.78348 1,562,729 01/01/2011 to 12/31/2011 $10.78348 $10.23692 2,664,320 AST Small-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.96093 $12.63958 70,518 01/01/2011 to 12/31/2011 $12.63958 $12.29711 148,712 A-26
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 Small-Cap Value Portfolio 03/15/2010 to 12/31/2010 $9.96436 $11.48713 63,043 01/01/2011 to 12/31/2011 $11.48713 $10.61184 70,466 AST T. Rowe Price Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.99224 $10.71167 2,123,199 01/01/2011 to 12/31/2011 $10.71167 $10.73326 3,748,039 AST T. Rowe Price Equity Income Portfolio formerly, AST AllianceBernstein Core Value Portfolio 03/15/2010 to 12/31/2010 $9.98589 $10.55674 81,656 01/01/2011 to 12/31/2011 $10.55674 $10.20221 75,734 AST T. Rowe Price Global Bond Portfolio 03/15/2010 to 12/31/2010 $9.98023 $10.32968 130,433 01/01/2011 to 12/31/2011 $10.32968 $10.56776 306,148 AST T. Rowe Price Large-Cap Growth Portfolio 03/15/2010 to 12/31/2010 $9.97113 $11.15658 153,892 01/01/2011 to 12/31/2011 $11.15658 $10.77586 244,099 AST T. Rowe Price Natural Resources Portfolio 03/15/2010 to 12/31/2010 $9.85980 $11.49684 233,930 01/01/2011 to 12/31/2011 $11.49684 $9.61076 389,530 AST Wellington Management Hedged Equity Portfolio formerly, AST Aggressive Asset Allocation Portfolio 05/02/2011* to 12/31/2011 $9.99855 $8.83142 276,533 AST Western Asset Core Plus Bond Portfolio 03/15/2010 to 12/31/2010 $9.99855 $10.41878 388,377 01/01/2011 to 12/31/2011 $10.41878 $10.85342 775,193 Franklin Templeton VIP Founding Funds Allocation Fund 03/15/2010 to 12/31/2010 $9.97108 $10.65939 1,234,022 01/01/2011 to 12/31/2011 $10.65939 $10.29816 1,818,753 * Denotes the start date of these sub-accounts PREMIER RETIREMENT C 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 (3.15%) 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 $9.96666 $10.68813 25,772 01/01/2011 to 12/31/2011 $10.68813 $10.07677 12,480 AST Advanced Strategies Portfolio 03/15/2010 to 12/31/2010 $9.97735 $10.79288 4,329 01/01/2011 to 12/31/2011 $10.79288 $10.46517 1,686 AST American Century Income & Growth Portfolio 03/15/2010 to 12/31/2010 $10.00588 $10.68884 509 01/01/2011 to 12/31/2011 $10.68884 $10.72234 283 AST Balanced Asset Allocation Portfolio 03/15/2010 to 12/31/2010 $9.98762 $10.64688 0 01/01/2011 to 12/31/2011 $10.64688 $10.18677 0 A-27
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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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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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DEATH BENEFITS TRIGGERS FOR PAYMENT
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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
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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
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
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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
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
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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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