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Variable Annuities
You need to prepare for the likelihood of a lengthy retirement. A long retirement combined with the high cost of living, means traditional sources like Social Security and pensions may not be sufficient to fund your retirement. Is there an investment vehicle that can help supplement your retirement? A variable annuity may be the answer.

Variable Annuity Benefits:
  • Professionally managed investment options
  • Optional living benefits (available at an additional cost), to help protect your retirement income
  • A guaranteed death benefit to help protect your beneficiaries
  • An opportunity for your investment to grow on a tax-deferred basis
PrudentialSM Premier Variable Annuities

B Series
A traditional and flexible annuity with an attractive lower cost fee structure and a 7-year Contingent Deferred Sales Charge(CDSC) period based on the date of each purchase payment. 

L Series
Offers a 4-year CDSC period based on the date of each purchase payment, and death benefit flexibility. On annuity anniversaries 5 through 10 and subject to program rules, you can elect an optional death benefit (for an additional fee), or cancel an optional death benefit elected on the issue date. Please see the prospectus for more details.

X Series
Offers a 6% investor credit with a 9-year CDSC period based on the date of each purchase payment. Also offers a longevity credit equal to 0.40% of all purchase payments more than 9 years old (less any withdrawals), which is applied beginning on the 10th contract anniversary. Fees and expenses for bonus annuities may be higher, and the surrender periods may be longer, than annuities that do not provide the bonus. 

PrudentialSM Premier Variable Annuities For NY Only

B Series - NY
A traditional and flexible annuity with an attractive low cost fee structure and a 7-year CDSC period based on the date of each purchase payment.

L Series - NY
Offers a 4-year CDSC period based on the date of each purchase payment, and death benefit flexibility. On annuity anniversaries 5 through 10 and subject to program rules, you can elect an optional death benefit (for an additional fee), or cancel an optional death benefit elected on the issue date. Please see the prospectus for more details.

X Series - NY
Offers a 6% investor credit with a 9-year CDSC period based on the date of each purchase payment. Also offers a longevity credit equal to 0.40% of all purchase payments more than 9 years old (less any withdrawals), which is applied beginning on the 10th contract anniversary. Fees and expenses for bonus annuities may be higher, and the surrender periods may be longer, than annuities that do not provide the bonus.

Not all products may be available in all states or firms. For more information please contact your Financial Professional. Prudential Premier B, L and X Series are issued on form BLX/CRT (03/06)-01 et al or a state variation thereof.

Prudential Premier B Series - NY and Premier L Series - NY are issued on form BL/IND(3/06)-NY et al or a state variation thereof. Prudential Premier X Series - NY is issued on form X/IND(3/06)-NY et al or a state variation thereof.

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

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

Variable annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ and 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. All guarantees based on the claims paying ability of the issuing company.

IFS-A084276 Ed. 04/2008
 
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Securities products and services are offered through: Pruco Securities, LLC, and Prudential Investment Management Services, LLC, both members SIPC and located in Newark, NJ, or Prudential Annuities Distributors, Inc., located in Shelton, CT. All are Prudential Financial companies. PRU, Prudential, Prudential Financial, the Rock logo and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America and its affiliates. Site for U.S. persons only.

Prudential Financial, its affiliates, and their licensed financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances.

Securities and Insurance Products:
Not Insured by FDIC or any Federal Government Agency May Lose Value Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate

Template:
IFS-A125824 Ed. 11/2007

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