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 Seven and Spousal Highest Daily Lifetime Seven use a predetermined mathematical formula to help manage your guarantee through all market cycles. Each business day, the formula determines if any portion of your 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 individual annuity and include: (i) The difference between the account value and the Protected Withdrawal Value; (ii) How long you have owned Highest Daily Lifetime Seven (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, none, or all of the account value may be allocated to the Bond Portfolio. If the entire account value is transferred to the Bond Portfolio, then based on the way the formula operates, the formula will not transfer amounts out of the Bond Portfolio to the Permitted Subaccounts and the entire account value would remain in the Bond Portfolio. If additional purchase payments are made to the annuity, they will be allocated to the Permitted Subaccounts according to the allocation instructions. Such additional purchase payments may or may not cause the formula to transfer money in or out of the Bond Portfolio. Once the additional purchase payments are allocated to the annuity, they will also be subject to the mathematical formula, which may result in immediate transfers to or from the Bond Portfolio, if dictated by the formula. 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 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 see the prospectus for complete details.

Prudential Financial, 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.

Tax deferral is already provided by a qualified plan, such as a 401(k). For an additional fee, the annuity provides a guaranteed death benefit and the ability to receive lifetime income.

Asset allocation does not guarantee a profit or protect against loss; however, a properly diversified portfolio can help manage the volatility of your returns and may better position your investments to capture performance as asset classes rotate in favor.

HD Lifetime Seven may not be available in every state. It may not be elected in conjunction with certain optional benefits. The Return of Premium feature is not available in WA. See the prospectus for more detailed information.

Early withdrawals may be subject to surrender charges. Partial or complete withdrawals of taxable amounts will be subject to ordinary income tax and, if prior to age 59-1/2, may result in an additional 10% federal income tax penalty. Withdrawal from an annuity generally has the effect of reducing the death benefit, any living benefits and cash surrender value.

Payments of guaranteed principal and income, as well as living and death benefit guarantees, are contingent upon the claims-paying ability of the issuing company. Guarantees do not apply to the investment performance or safety of the underlying subaccounts in the variable annuity. Optional living and death benefits are available for an additional fee and may not be available in all states.

Variable annuities are for retirement purposes and are subject to market fluctuation, investment risk and possible loss of principal.

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.

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. Wachovia Corporation is the majority owner and Prudential Financial, indirectly through subsidiaries, is a minority owner of Wachovia Securities, LLC. Prudential Annuities is a business unit of Prudential Financial. Prudential, Prudential Financial, the Rock logo, Growing and Protecting Your Wealth, The Retirement Red Zone® , and Investing for the Time of Your Life are service marks of The Prudential Insurance Company of America and it affiliates.

HD Lifetime Seven and Spousal HD Lifetime Seven are issued on Forms RID-HD7(1/08) and P-RID-HD7(1/08).