Strategic Partners Plus 3 - Prudential Annuities

STRATEGIC PARTNERS SM PLUS 3VARIABLE ANNUITY
PROSPECTUS:MAY 1, 2008
This Prospectus describes an individual variable annuity contract offered by Pruco Life Insurance Company (Pruco Life) and Pruco
Life Flexible Premium Variable Annuity Account. Pruco Life offers several different annuities which your representative may be
authorized to offer to you. Each annuity has different features and benefits that may be appropriate for you based on your financial
situation, your age and how you intend to use the annuity. Please note that selling broker-dealer firms through which the contract is
sold may decline to make available to their customers certain of the optional features offered generally under the contract.
Alternatively, such firms may restrict the availability of the optional benefits and investment options that they make available to
their customers (e.g., by imposing a lower maximum issue age for certain optional benefits than what is prescribed generally under
the contract). Please speak to your registered representative for further details. The different features and benefits include variations
in death benefit protection, and the ability to access your annuity’s Contract Value. The fees and charges under the annuity contract
and the compensation paid to your representative may also be different among each annuity. Differences in compensation among
different annuity products could influence a representative’s decision as to which annuity to recommend to you. If you are
purchasing the contract as a replacement for existing variable annuity or variable life coverage, you should consider, among other
things, any surrender or penalty charges you may incur when replacing your existing coverage. Pruco Life is a wholly-owned
subsidiary of the Prudential Insurance Company of America.
THE FUNDS
Strategic Partners Plus 3 offers a wide variety of investment choices, including variable investment options that invest in
underlying mutual funds. Currently, portfolios of the following underlying mutual funds are being offered: The Prudential Series
Fund, Advanced Series Trust, Evergreen Variable Annuity Trust, Nationwide Variable Insurance Trust, and Janus Aspen Series.
(see next page for list of portfolios currently offered).
You may choose between two basic versions of Strategic Partners Plus 3. One version, the Contract With Credit, provides for a
bonus credit that we add to each Purchase Payment you make. If you choose this version of Strategic Partners Plus 3, some charges
and expenses may be higher than if you choose the version without the credit. Those higher charges could exceed the amount of the
credit under some circumstances, particularly if you withdraw Purchase Payments within a few years of making those Purchase
Payments.
PLEASE READ THIS PROSPECTUS
Please read this prospectus before purchasing a Strategic Partners Plus 3 variable annuity contract, and keep it for future reference.
The current prospectuses for the underlying mutual funds contain important information about the mutual funds. When you invest
in a variable investment option that is funded by a mutual fund, you should read the mutual fund prospectus and keep it for future
reference. The Risk Factors section relating to the market value adjustment option appears in the Summary.
TO LEARN MORE ABOUT STRATEGIC PARTNERS PLUS 3
To learn more about the Strategic Partners Plus 3 variable annuity, you can request a copy of the Statement of Additional
Information (SAI) dated May 1, 2008. The SAI has been filed with the Securities and Exchange Commission (SEC) and is legally a
part of this prospectus. Pruco Life also files other reports with the SEC. All of these filings can be reviewed and copied at the
SEC’s offices, and can also be obtained from the SEC’s Public Reference Section, 100 F Street N.E., Washington, D.C. 20549, or
obtained from us, free of charge. (See SEC file numbers 333-37728 and 333-103474) You may obtain information on the operation
of the Public Reference Room by calling the SEC at (202) 551-8090. The SEC maintains a Web site (http://www.sec.gov) that
contains the Strategic Partners Plus 3 SAI, material incorporated by reference, and other information regarding registrants that file
electronically with the SEC. The Table of Contents of the SAI is set forth in Section 11 of this prospectus.
For a free copy of the SAI, call us at (888) PRU-2888, or write to us at Prudential Annuity Service Center, P.O. Box 7960,
Philadelphia, PA 19176.
THE SEC HAS NOT DETERMINED THAT THIS CONTRACT IS A GOOD INVESTMENT, NOR HAS THE SEC
DETERMINED THAT THIS PROSPECTUS IS COMPLETE OR ACCURATE. IT IS A CRIMINAL OFFENSE TO
STATE OTHERWISE. INVESTMENT IN A VARIABLE ANNUITY CONTRACT IS SUBJECT TO RISK, INCLUDING
THE POSSIBLE LOSS OF YOUR MONEY. AN INVESTMENT IN STRATEGIC PARTNERS PLUS 3 IS NOT A BANK
DEPOSIT AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER
GOVERNMENT AGENCY.
Contract described herein is no longer available for sale.
Strategic Partners SM is a service mark of The Prudential Insurance Company of America
P2360