Prudential Premier Retirement Variable Annuities

Annuity Comparison X Series B Series L Series C Series
Minimum Investment $10,000 $1,000 $10,000 $10,000
Maximum Issue Age 80 85 85 85
Contingent Deferred Sales
Charge Schedule
(Based on date of each
purchase payment)
May vary by state
Total Insurance Charge
(during first 9 Annuity
Years)
Total Insurance Charge
(after 9th Annuity Year)
9 Years
(9%, 9%, 9%, 9%, 8%,
8%, 8%, 5%, 2.5%)
7 Years
(7%, 7%, 6%, 6%, 5%,
5%, 5%)
4 Years
(7%, 7%, 6%, 5%)
1.85% 1.30% 1.70% 1.75%
1.30%
Annual Maintenance Fee Lesser of:
▪ $50, or
▪ 2% of Unadjusted
Account Value
▪ Waived for
Premiums => $100k
Purchase Credit Yes, based on purchase
payments
No No No
▪ Yrs 1-4:
6% (3% age 82+)
▪ Yrs 5+: N/A
Recaptured in certain
circumstances
MVA Options 6 and 12 month
DCA MVA options;
3-, 5-, 7-& 10-yr MVA
Options
Variable Investment
Options (Not all options
available with certain
optional benefits)
Advanced Series Trust
Minimum Death Benefit Greater of:
▪ Purchase payments
minus proportional
withdrawals, and
▪ Unadjusted
Account Value,
Less any Purchase Credits
recaptured in certain
circumstances
Optional Living Benefits
(for an additional cost)
Greater of:
▪ Purchase payments
minus proportional
withdrawals, and
▪ Unadjusted
Account Value
HDI 2.0
HDI 2.0 with LIA
SHDI 2.0
HDI 2.0 with HD DB
SHDI 2.0 with HD DB
HD GRO II;
GRO Plus II
HYPOTHETICAL ILLUSTRATION
The following examples outline the value of each Annuity as well as the amount that would be available to an investor as a full
surrender at the end of each of the Annuity Years specified. The values shown below are based on the following assumptions: An
initial investment of $100,000 is made into each Annuity earning a gross rate of return of 0% and 6% and 10%, respectively.
No additional Purchase Payments or withdrawals are made from the Annuity. The hypothetical gross rates of return are reduced by the
arithmetic average of the fees and expenses of the underlying portfolios and the charges that are deducted from the Annuity at the
Separate Account level (which is 1.07% for all Series) based on the fees and expenses of the applicable underlying portfolios as of
December 31, 2011. The arithmetic average of all fund expenses is computed by adding portfolio management fees, 12b-1 fees and
other expenses of all the underlying portfolios and then dividing by the number of portfolios. For purposes of the illustrations, we do
not reflect any expense reimbursements or expense waivers that might apply and are described in the prospectus fee table. The
Separate Account level charges refer to the Insurance Charge.
The Account Value and Surrender Value are further reduced by the Annual Maintenance Fee, if applicable. For X-Series, the
Account Value and Surrender Value also reflect the addition of any applicable Purchase Credits.
B-2
N/A