Premier Bb Series - Prudential Annuities

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YOUR OPTIONAL BENEFIT FEES AND CHARGES 1OPTIONAL BENEFITGUARANTEED MINIMUM INCOME BENEFIT (GMIB)Maximum Charge 3(assessed against Protected Income Value)Current Charge(assessed against Protected Income Value)LIFETIME FIVE INCOME BENEFITMaximum Charge 3(assessed against Sub-account net assets)Current Charge(assessed against Sub-account net assets)SPOUSAL LIFETIME FIVE INCOME BENEFITMaximum Charge 3(assessed against Sub-account net assets)Current Charge(assessed against Sub-account net assets)HIGHEST DAILY LIFETIME FIVE INCOME BENEFITMaximum Charge 3(assessed against Sub-account net assets)Current Charge(assessed against Sub-account net assets)HIGHEST DAILY LIFETIME SEVEN INCOME BENEFITMaximum Charge 3(assessed against Protected Withdrawal Value)Current Charge(assessed against Protected Withdrawal Value)HIGHEST DAILY LIFETIME SEVEN W/BENEFICIARYINCOME OPTIONMaximum Charge 3(assessed against Protected Withdrawal Value)Current Charge(assessed against Protected Withdrawal Value)HIGHEST DAILY LIFETIME SEVEN W/LIFETIME INCOMEACCELERATORMaximum Charge 3(assessed against Protected Withdrawal Value)Current Charge(assessed against Protected Withdrawal Value)SPOUSAL HIGHEST DAILY LIFETIME SEVEN INCOMEBENEFITMaximum Charge 3(assessed against Protected Withdrawal Value)Current Charge(assessed against Protected Withdrawal Value)OPTIONAL BENEFITFEE/ CHARGE2.00%TOTAL ANNUALCHARGE 22.00%+ 0.95%0.50% 0.50% + 0.95%1.50% 2.45%0.60% 1.55%1.50% 2.45%0.75% 1.70%1.50% 2.45%0.60% 1.55%1.50% 1.50% + 0.95%0.60% 0.60% + 0.95%2.00% 0.95% + 2.00%0.95% 0.95% + 0.95%2.00% 0.95% + 2.00%0.95% 0.95% + 0.95%1.50% 1.50% + 0.95%0.75% 0.75% + 0.95%6
YOUR OPTIONAL BENEFIT FEES AND CHARGES 1OPTIONAL BENEFITOPTIONAL BENEFITFEE/ CHARGETOTAL ANNUALCHARGE 2SPOUSAL HIGHEST DAILY LIFETIME SEVEN W/BENEFICIARYINCOME OPTIONMaximum Charge 3(assessed against Protected Withdrawal Value)2.00% 0.95% + 2.00%Current Charge(assessed against Protected Withdrawal Value)0.95% 0.95% + 0.95%HIGHEST DAILY LIFETIME 7 PLUSMaximum Charge 3(assessed against greater of Account Value and Protected Withdrawal Value)1.50% 0.95% + 1.50%Current Charge(assessed against greater of Account Value and Protected Withdrawal Value)0.75% 0.95% + 0.75%HIGHEST DAILY LIFETIME 7 PLUS WITH BENEFICIARY INCOMEOPTIONMaximum Charge 3(assessed against greater of Account Value and Protected Withdrawal Value)2.00% 0.95% + 2.00%Current Charge(assessed against greater of Account Value and Protected Withdrawal Value)1.10% 0.95% + 1.10%HIGHEST DAILY LIFETIME 7 PLUS WITH LIFETIME INCOMEACCELERATORMaximum Charge 3(assessed against greater of Account Value and Protected Withdrawal Value)2.00% 0.95% + 2.00%Current Charge(assessed against greater of Account Value and Protected Withdrawal Value)1.10% 0.95% + 1.10%SPOUSAL HIGHEST DAILY LIFETIME 7 PLUSMaximum Charge 3(assessed against greater of Account Value and Protected Withdrawal Value)1.50% 0.95% + 1.50%Current Charge(assessed against greater of Account Value and Protected Withdrawal Value)0.90% 0.95% + 0.90%SPOUSAL HIGHEST DAILY LIFETIME 7 PLUS WITH BENEFICIARYINCOME OPTIONMaximum Charge 3(assessed against greater of Account Value and Protected Withdrawal Value)2.00% 0.95% + 2.00%Current Charge(assessed against greater of Account Value and Protected Withdrawal Value)1.10% 0.95% + 1.10%COMBINATION 5% ROLL-UP AND HAV DEATH BENEFITCurrent and Maximum Charge 4(assessed against Sub-account net assets)0.80% 1.75%(if elected on or after May 1, 2009)HIGHEST DAILY VALUE DEATH BENEFIT (HDV) 0.50% 1.45%Current and Maximum Charge 4(assessed against Sub-account net assets)HIGHEST DAILY LIFETIME 6 PLUS INCOME BENEFIT ANDCOMBINATION 5% ROLL-UP AND HAV DEATH BENEFIT(the maximum charge combination of optional benefits)(if elected on or after May 1, 2009)0.85% greaterof AccountValue and PWV +1.75%Please refer to the section of this Prospectus that describes each optional benefit for a complete description of the benefit,including any restrictions or limitations that may apply.7
Page 2 and 3: 4 AST Goldman Sachs Mid-Cap Growth
Page 5: CONTENTSGLOSSARY OF TERMS .........
Page 8 and 9: Good Order: An instruction received
Page 10 and 11: SUMMARY OF CONTRACT FEES AND CHARGE
Page 14 and 15: 1 How Living Benefit Charges are De
Page 16 and 17: UNDERLYINGPORTFOLIOUNDERLYING MUTUA
Page 18 and 19: 1 AST Advanced Strategies Portfolio
Page 20 and 21: EXPENSE EXAMPLEThis example is inte
Page 22 and 23: Where should I invest my money? Wit
Page 24 and 25: Charges for Optional Benefits: If y
Page 26 and 27: Group I: Allowable Benefit Allocati
Page 28 and 29: Certain optional living benefits (e
Page 30 and 31: ADVANCED SERIESTRUST (“AST”)POR
Page 36 and 37: ▪ If you are not participating in
Page 38 and 39: increase the Annual Maintenance Fee
Page 40 and 41: PURCHASING YOUR ANNUITYPlease note
Page 42 and 43: Owner, Annuitant and Beneficiary De
Page 44 and 45: Account. The ability to continue th
Page 46 and 47: MANAGING YOUR ACCOUNT VALUEHOW AND
Page 48 and 49: Any transfer to or from any Sub-acc
Page 50 and 51: HOW MUCH CAN I WITHDRAW AS A FREE W
Page 52 and 53: WHAT IS A MEDICALLY-RELATED SURREND
Page 54 and 55: LIVING BENEFITSDO YOU OFFER BENEFIT
Page 56 and 57: HIGHEST DAILY GUARANTEED RETURN OPT
Page 58 and 59: pre-determined mathematical formula
Page 60 and 61: Special Considerations under HD GRO
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HD GRO, by moving assets out of cer
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▪▪▪▪▪You cannot participa
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Key Feature - Protected Income Valu
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On the date that you elect to begin
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Step-Up of the Protected Withdrawal
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Annual Income Amount for future Ann
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Additional Tax ConsiderationsIf you
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BENEFITS UNDER THE SPOUSAL LIFETIME
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As indicated, withdrawals made whil
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The Highest Daily Lifetime Five ben
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▪▪▪▪▪▪example, withdraw
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Depending on the results of the for
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Once the 90% cap feature is met, fu
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that varies based on the age of the
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▪▪If no withdrawal was ever tak
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we use 5% in the formula, irrespect
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Upon a death that triggers payment
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LIA amount at the first Withdrawal.
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Important Consideration When Electi
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each Annuity Anniversary, by perfor
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▪▪If no withdrawal was ever tak
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election to begin receiving annuity
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treatment of withdrawals. We do not
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are no assurances that future trans
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You may use the Systematic Withdraw
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In this example, 5% of the December
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▪▪If no Lifetime Withdrawal was
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difference by the amount held withi
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Additional Tax ConsiderationsIf you
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Eligibility Requirements for LIA Am
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withdraw an annual amount (the “A
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Highest Daily Auto Step-UpAn automa
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The Non-Lifetime Withdrawal will pr
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Other Important Considerations▪ W
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If you take a partial withdrawal to
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Value is equal to your Account Valu
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You must tell us if your withdrawal
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▪In the absence of an election wh
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which we are providing administrati
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to the Bond Sub-account occurs. The
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(2) The designated life is unable t
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annual amount (the “Annual Income
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Withdrawal Value and your Account V
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▪ The Account Value at benefit el
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If no Lifetime Withdrawal was ever
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designated life (except as may be n
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Calculation of the Combination 5% R
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Can I terminate the optional Death
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▪▪▪Withdrawals are not subjec
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The NYSE is closed on the following
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TAX CONSIDERATIONSThe tax considera
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If an Annuity is purchased through
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A Nonqualified annuity may also be
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account” described under Code Sec
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insurance/annuity products to plans
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WHAT IS THE SEPARATE ACCOUNT?The Se
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WHO DISTRIBUTES ANNUITIES OFFERED B
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Mutual of Omaha BankNational Planni
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concerning certain business or proc
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APPENDIX A-ACCUMULATION UNIT VALUES
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Sub-AccountsAccumulationUnit Value
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APPENDIX B-CALCULATION OF OPTIONAL
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APPENDIX C-FORMULA UNDER HIGHEST DA
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The following formula, which is set
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APPENDIX D-FORMULA UNDER HIGHEST DA
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The formula will transfer assets in
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The formula will transfer assets in
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APPENDIX E-FORMULA UNDER HIGHEST DA
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The following formula, which is set
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“a” Factors for Liability Calcu
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APPENDIX F-FORMULA FOR HIGHEST DAIL
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APPENDIX G-SPECIAL CONTRACT PROVISI
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APPENDIX H-FORMULA UNDER HIGHEST DA
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FORMULA FOR ELECTIONS OF HD GRO II
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APPENDIX I-FORMULA FOR HIGHEST DAIL
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PRUCO LIFE INSURANCE COMPANY (PRUCO
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Deducting ContributionsGenerally, y
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Required Minimum DistributionsIf yo
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traditional IRA at the end of your
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income), pension or annuity income,
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2. The payment or distribution is:a
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PRUCO LIFE INSURANCE COMPANY(A PRUD
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PLEASE SEND ME A STATEMENT OF ADDIT
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Premier Bb Series - Prudential Annuities

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