Prudential Premier Retirement Variable Annuities

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C SERIES There is no CDSC or other sales load applicable to the C Series. For X Series <strong>Annuities</strong> issued in Connecticut, the CDSC amounts are different. See Appendix F. FEE/CHARGE X SERIES B SERIES L SERIES C SERIES Transfer Fee 2 $10 $10 $10 $10 Tax Charge (current) 3 0% to 3.5% 0% to 3.5% 0% to 3.5% 0% to 3.5% 1 The years referenced in the above CDSC tables refer to the length of time since a Purchase Payment was made (i.e., the age of the Purchase Payment). Contingent Deferred Sales Charges are applied against the Purchase Payment(s) being withdrawn. Thus, the appropriate percentage is multiplied by the Purchase Payment(s) being withdrawn to determine the amount of the CDSC. For example, if with respect to the X Series on November 1, 2016 you withdrew a Purchase Payment made on August 1, 2011, that Purchase Payment would be between 5 and 6 years old, and thus subject to an 8% CDSC. Purchase Payments are withdrawn on a “first-in, first-out” basis. 2 Currently, we deduct the fee after the 20 th transfer each Annuity Year. 3 We reserve the right to deduct the charge either at the time the tax is imposed, upon a full surrender of the Annuity, or upon Annuitization. The following table provides a summary of the periodic fees and charges you will pay while you own your Annuity, excluding the underlying portfolio annual expenses. These fees and charges are described in more detail within this prospectus. PERIODIC FEES AND CHARGES FEE/CHARGE X SERIES B SERIES L SERIES C SERIES Annual Maintenance Fee 4 Lesser of $50 or 2% of Lesser of $50 or 2% of Lesser of $50 or 2% of Lesser of $50 or 2% of Unadjusted Account Unadjusted Account Unadjusted Account Unadjusted Account Value Value Value Value ANNUALIZED INSURANCE FEES/CHARGES (assessed daily as a percentage of the net assets of the Sub-accounts) FEE/CHARGE X SERIES B SERIES L SERIES C SERIES Mortality & Expense Risk Charge: During First 9 Annuity Years 1.70% 1.15% 1.55% 1.60% After 9th Annuity Year Administration Charge Total Annualized Insurance Fees/ Charges: During First 9 Annuity Years 5,6 After 9 th Annuity Year 5,6 1.15% 1.15% 1.15% 1.15% 0.15% 0.15% 0.15% 0.15% 1.85% 1.30% 1.70% 1.75% 1.30% 1.30% 1.30% 1.30% 4 Assessed annually on the Annuity's anniversary date or upon surrender. Only applicable if the sum of the Purchase Payments at the time the fee is due is less than $100,000. 5 The Insurance Charge is the combination of Mortality & Expense Risk Charge and the Administration Charge. For the X Series, C Series, and L Series, on the Valuation Day immediately following the 9 th Annuity Anniversary, the Mortality & Expense Risk Charge drops to 1.15% annually (the B Series is a constant 1.15% annually). 6 For Beneficiaries who elect the Beneficiary Continuation Option, the Annual Maintenance Fee is the lesser of $30 or 2% of Unadjusted Account Value and is only applicable if Unadjusted Account Value is less than $25,000 at the time the fee is assessed. For Beneficiaries who elect the Beneficiary Continuation Option, the Mortality and Expense and Administration Charges do not apply. However, a Settlement Service Charge equal to 1.00% is assessed as a percentage of the daily net assets of the Sub-accounts as an annual charge. 4
The following table sets forth the charge for each optional benefit under the Annuity. These fees would be in addition to the periodic fees and transaction fees set forth in the tables above. The first column shows the charge for each optional benefit on a maximum and current basis. The next four columns show the total expenses you would pay for each class of Annuity if you purchased the relevant optional benefit. More specifically, these columns show the total charge for the optional benefit plus the Total Annualized Insurance Fees/Charges (during the first 9 Annuity Years) applicable to the Annuity class (as shown in the prior table). Where the charges cannot actually be totaled (because they are assessed against different base values), we show both individual charges. OPTIONAL BENEFIT ANNUALIZED OPTIONAL BENEFIT FEE/CHARGE 7 HIGHEST DAILY LIFETIME INCOME 2.0 (assessed against greater of Unadjusted Account Value and Protected Withdrawal Value) YOUR OPTIONAL BENEFIT FEES AND CHARGES TOTAL ANNUALIZED CHARGE 8 for X SERIES TOTAL ANNUALIZED CHARGE 8 for B SERIES TOTAL ANNUALIZED CHARGE 8 for L SERIES TOTAL ANNUALIZED CHARGE 8 for C SERIES Maximum Charge 9 2.00% 1.85% + 2.00% 1.30% + 2.00% 1.70% + 2.00% 1.75% + 2.00% Current Charge SPOUSAL HIGHEST DAILY LIFETIME INCOME 2.0 (assessed against greater of Unadjusted Account Value and Protected Withdrawal Value) 1.00% 1.85% + 1.00% 1.30% + 1.00% 1.70% + 1.00% 1.75% + 1.00% Maximum Charge 9 2.00% 1.85% + 2.00% 1.30% + 2.00% 1.70% + 2.00% 1.75% + 2.00% Current Charge HIGHEST DAILY LIFETIME INCOME 2.0 WITH LIFETIME INCOME ACCELERATOR (assessed against greater of Unadjusted Account Value and Protected Withdrawal Value) 1.10% 1.85% + 1.10% 1.30% + 1.10% 1.70% + 1.10% 1.75% + 1.10% Maximum Charge 9 2.00% 1.85% + 2.00% 1.30% + 2.00% 1.70% + 2.00% 1.75% + 2.00% Current Charge HIGHEST DAILY LIFETIME INCOME 2.0 WITH HIGHEST DAILY DEATH BENEFIT (assessed against greater of Unadjusted Account Value and Protected Withdrawal Value) 1.50% 1.85% + 1.50% 1.30% + 1.50% 1.70% + 1.50% 1.75% + 1.50% Maximum Charge 9 2.00% 1.85% + 2.00% 1.30% + 2.00% 1.70% + 2.00% 1.75% + 2.00% Current Charge 1.50% 1.85% + 1.50% 1.30% + 1.50% 1.70% + 1.50% 1.75% + 1.50% 5
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PRUCO LIFE INSURANCE COMPANY PRUCO
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UNDERLYING PORTFOLIO UNDERLYING MUT
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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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Page 33 and 34: ages 59 1 ⁄2 to 64; 4.5% for ages
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Page 41 and 42: Upon termination of Highest Daily L
Page 43 and 44: Key Feature - Annual Income Amount
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Page 47 and 48: Highest Daily Death Benefit A Death
Page 49 and 50: newly-elected benefit will commence
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Page 62 and 63: COMBOSUP2 ADVANCED SERIES TRUST Sup
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Page 66 and 67: STYLE/ TYPE Asset Allocation COMBOS
Page 68 and 69: GENPROD2 PRUCO LIFE INSURANCE COMPA
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Page 72 and 73: In the section titled “Investment
Page 74 and 75: PRUCO LIFE INSURANCE COMPANY PRUCO
Page 76 and 77: Advanced Series Trust AST Academic
Page 78 and 79: DEATH BENEFITS ....................
Page 80 and 81: Guarantee Period: The period of tim
Page 84 and 85: OPTIONAL BENEFIT ANNUALIZED OPTIONA
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Page 88 and 89: UNDERLYING PORTFOLIO UNDERLYING MUT
Page 90 and 91: EXPENSE EXAMPLES These examples are
Page 92 and 93: Please see “Investment Options,
Page 94 and 95: INVESTMENT OPTIONS The Investment O
Page 96 and 97: INVESTMENT OBJECTIVES/POLICIES ADVA
Page 98 and 99: INVESTMENT OBJECTIVES/POLICIES AST
Page 108 and 109: group (Group II) our “Custom Port
Page 110 and 111: For the Long-Term MVA Option, a Gua
Page 112 and 113: FEES, CHARGES AND DEDUCTIONS In thi
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Page 116 and 117: additional Purchase Payments, unles
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Page 120 and 121: MANAGING YOUR ACCOUNT VALUE There a
Page 122 and 123: Please Note: Contracts managed by y
Page 124 and 125: ACCESS TO ACCOUNT VALUE TYPES OF DI
Page 126 and 127: prior to age 59 1 ⁄2 if you elect
Page 128 and 129: ANNUITY OPTIONS Annuitization invol
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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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Calculation of Highest Anniversary
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A surviving spouse’s ability to c
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VALUING YOUR INVESTMENT VALUING THE
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TAX CONSIDERATIONS The tax consider
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Taxes Payable by Beneficiaries The
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A Nonqualified annuity may also be
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In any event, you must begin receiv
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ERISA Requirements ERISA (the “Em
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out of any other business we may co
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Cost Averaging, auto rebalancing, a
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Infinex Investments, Inc. ING Finan
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County, Illinois, was served on Pru
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Sub-Accounts Accumulation Unit Valu
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PREMIER RETIREMENT L SERIES Pruco L
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Sub-Accounts PREMIER RETIREMENT C S
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Annuity Comparison X Series B Serie
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The shaded values indicate the high
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holidays), plus the amount of any P
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Examples of dollar-for-dollar and p
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Required Minimum Distributions Requ
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Unadjusted Account Value and Protec
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equire a transfer to the Bond Sub-a
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to as the “LIA Amount”) if you
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the latter scenario, we determine w
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The “Periodic Value” is initial
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Amount on a dollar-for-dollar basis
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Here is the calculation: Withdrawal
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Election of and Designations under
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holidays), plus the amount of any P
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Examples of dollar-for-dollar and p
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Required Minimum Distributions Requ
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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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