Prudential Premier Retirement Variable Annuities

The Account Value assumes no surrender, while the Surrender Value assumes a 100% surrender two days prior to the anniversary
of the Issue Date of the Annuity (“Annuity Anniversary”), therefore reflecting the CDSC applicable to that Annuity Year. Note that
a withdrawal on the Annuity Anniversary, or the day before the Annuity Anniversary, would be subject to the CDSC applicable to
the next Annuity Year, which may be lower. The CDSC is calculated based on the date that the Purchase Payment was made and
for purposes of these examples, we assume that a single Purchase Payment of $100,000 was made on the Issue Date. The values
that you actually experience under an Annuity will be different from what is depicted here if any of the assumptions we make here
differ from your circumstances, however the relative values for each Annuity reflected below will remain the same. (We will
provide your Financial Professional with a personalized illustration upon request).
If, for an additional fee, you elect an optional living benefit that has a Protected Withdrawal Value (PWV), the expenses will be
higher and the values will differ from those shown in the charts below. Similar to Account and Surrender Values, the PWV will
differ by share class. Typically, the share class with the higher Account Value will translate into a relatively higher PWV, unless
the net rate of return is below the roll-up rate, where the PWV of the C, L and B would all grow equally by the guaranteed amount.
The X Series, because of the impact of the Purchase Credit applied to the Account Value, will yield the relatively highest PWV in
all scenarios. If the minimum guarantee(s) increases the PWV, the PWV of C, L, and B would all be equal at that time. The X
Series would yield the highest PWV with the minimum guarantee(s) due to the impact of the Purchase Credit.
0% Gross Rate of Return
0% Gross Rate of Return 0% Gross Rate of Return 0% Gross Rate of Return 0% Gross Rate of Return
L Share
B Share
X Share
C Share
Net rate of return Net rate of return Net rate of return Net rate of return
Yrs 1-10 -2.75% All years -2.36% Yrs 1-10 -2.90% Yrs 1-10 -2.80%
Yrs 10+ -2.36%
Yrs 10+ -2.36% Yrs 10+ -2.36%
Annuity Contract Surrender Contract Surrender Contract Surrender Contract Surrender
Year Value Value
Value
Value Value Value Value Value
1 97,256 90,256 97,650 90,650 102,934 93,934 97,206 97,206
2 94,579 87,579 95,350 88,350 99,949 90,949 94,483 94,483
3 91,977 85,977 93,103 87,103 97,050 88,050 91,837 91,837
4 89,446 84,446 90,909 84,909 94,235 85,235 89,264 89,264
5 86,984 86,984 88,768 83,768 91,502 83,502 86,763 86,763
6 84,591 84,591 86,676 81,676 88,849 80,849 84,333 84,333
7 82,263 82,263 84,634 79,634 86,272 78,272 81,971 81,971
8 79,999 79,999 82,640 82,640 83,770 78,770 79,674 79,674
9 77,798 77,798 80,693 80,693 81,340 78,840 77,442 77,442
10 75,657 75,657 78,792 78,792 78,981 78,981 75,273 75,273
11 73,874 73,874 76,935 76,935 77,119 77,119 73,499 73,499
12 72,133 72,133 75,123 75,123 75,302 75,302 71,767 71,767
13 70,433 70,433 73,353 73,353 73,528 73,528 70,076 70,076
14 68,774 68,774 71,624 71,624 71,796 71,796 68,425 68,425
15 67,154 67,154 69,937 69,937 70,104 70,104 66,813 66,813
16 65,571 65,571 68,289 68,289 68,452 68,452 65,239 65,239
17 64,027 64,027 66,680 66,680 66,840 66,840 63,702 63,702
18 62,518 62,518 65,109 65,109 65,265 65,265 62,201 62,201
19 61,045 61,045 63,575 63,575 63,727 63,727 60,735 60,735
20 59,607 59,607 62,077 62,077 62,226 62,226 59,304 59,304
21 58,202 58,202 60,615 60,615 60,759 60,759 57,907 57,907
22 56,831 56,831 59,186 59,186 59,328 59,328 56,543 56,543
23 55,492 55,492 57,792 57,792 57,930 57,930 55,210 55,210
24 54,185 54,185 56,430 56,430 56,565 56,565 53,910 53,910
25 52,908 52,908 55,101 55,101 55,233 55,233 52,639 52,639
Assumptions:
a. $100,000 initial investment
b. Fund Expenses = 1.07%
c. No optional death benefits or living benefits elected
d. Annuity was issued on or after May 1, 2012
e. Surrender value assumes surrender 2 days before Annuity Anniversary
B-3