Investors should consider the contract and the underlying portfolios' investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectuses, which can be obtained by contacting your financial professional. Please read the prospectuses carefully before investing.

Highest Daily Lifetime 6 Plus and Spousal Highest Daily Lifetime 6 Plus use a predetermined mathematical formula to help manage your clients' guarantee through all market cycles. Each business day, the formula determines if any portion of the account value needs to be transferred into or out of the AST Investment Grade Bond Portfolio (the "Bond Portfolio").
Amounts transferred by the formula depend on a number of factors unique to your client's individual annuity and include:
(i) The difference between the account value and the Protected Withdrawal Value;
(ii) How long your client has owned Highest Daily Lifetime 6 Plus or Spousal Highest Daily Lifetime 6 Plus;
(iii) The amount invested in, and the performance of, the permitted subaccounts;
(iv) The amount invested in, and the performance of, the Bond Portfolio; and
(v) The impact of additional purchase payments made to and withdrawals taken from the annuity.
Therefore, at any given time, some, most, or none of the account value may be allocated to the Bond Portfolio. Transfers to and from the Bond Portfolio do not impact any income guarantees that have already been locked in. The Protected Withdrawal Value (the basis for guaranteed lifetime income) is separate from the account value, and only available through withdrawals, not as a lump sum.
Any amounts invested in the Bond Portfolio will affect your clients' ability to participate in a subsequent recovery within the permitted subaccounts. Conversely, the account value may be higher at the beginning of the recovery; e.g., more of the account value may have been protected from decline and volatility than it otherwise would have been had the benefit not been elected. Please note: Your client may not allocate purchase payments or transfer account value into or out of the Bond Portfolio. See the prospectus for complete details.

Your needs and the suitability of an annuity product should be carefully considered before investing. When evaluating your needs, please consider other variable annuities available from Prudential Financial companies.

This material was prepared to support the promotion and marketing of variable annuities available through Prudential. Prudential, its affiliates, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisor as to any tax, accounting or legal statements made herein.

Variable annuities offered by Prudential Financial Companies are available at an annual cost of 0.65% to 1.65% for mortality, expense and administration fees, with an additional fee related to the professional investment options.

The AST Investment Grade Bond Portfolio will invest in a diversified portfolio of high-quality bonds and other securities and instruments. Although it may invest in individual bonds of any maturity, the average duration is expected to be within six months of the Barclays Capital U.S. Government/Credit 5-10 Year Index, the subaccount’s primary benchmark. The Barclays Capital U.S. Government/Credit 5-10 Year Index is the non-securitized component of the U.S. Aggregate Index. It includes Treasuries (i.e., public obligations of the U.S. Treasury that have remaining maturities of more than one year), Government-Related issues (i.e., agency, sovereign, supranational, and local authority debt), and USD Corporates.

Investment return and principal value of an investment will fluctuate so that an investor’s unit values, when redeemed, may be worth more or less than their original cost. Withdrawals or surrenders may be subject to surrender charges.

Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details.

Optional benefits may not be available in every state and may not be elected in conjunction with certain optional benefits. Optional benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. The fees are in addition to fees and charges associated with the basic annuity. Please see the prospectus for more information. All guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.

Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ, or by Prudential Annuities Life Assurance Corporation, Shelton, CT. All are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. Prudential Annuities is a business unit of Prudential Financial. Prudential, Prudential Financial, Prudential Annuities, the Rock logo and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America and its affiliates.

Issued on riders: RID-HD6(8/09), RID-HD6-LIA(8/09), P-RID-HD6(8/09), P-RID-HD6-LIA(8/09), et al. or state variation thereof.