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Discontinued Products & Benefits

Discontinued Products & Benefits

The following products & benefits are no longer offered for sale, however, certain optional benefits may still be available for election on existing contracts. If you wish to obtain information on products & benefits that are available for new sales, please call the National Sales Desk at 1-800-513-0805, option 1, for more information. If you have questions regarding these or other products & benefits that are not currently offered for sale, please call our Annuity Service Center at 1-800-513-0805, option 2.

Optional Benefits

Guaranteed Minimum Income Benefit (GMIB)

Key Features

Please note: Between 2000-2009 we offered 5 versions of GMIB for election. The applicable version to your client's annuity is based on product and state availability at the time they purchased their contract. To confirm which version is applicable to your client(s), please contact our Annuity Service Center at 1-800-513-0805, option 2, for further information.

GMIB is an optional benefit that, for an additional cost, will guarantee that a minimum amount will be available after at least 7 years as the basis for a series of annuity payments (10 - 15 year waiting period on GMIB version 1 based on the oldest Annuitant's age at issue). This amount is available irrespective of changes in the Account Value due to performance of the investment options before such annuity payments begin.

GMIB is no longer available for election.

Guarantee

GMIB version 1: The Protected Value is equal to;

  1. The Account Value on the effective date of the benefit increasing at a compounded rate of 5% annually,
  2. Plus any additional purchase payments increasing at a compounded rate of 5% annually,
  3. Reduced proportionally by partial withdrawals,
  4. Until the earlier of the "Roll-Up Cap" or "Roll-Up Cut Off Date". "Roll-Up Cap" is equal to 200% or two times the sum of all purchase payments and is reduced proportionally by partial withdrawals. "Roll-Up Cut Off Date" is the contract anniversary coinciding with or next following the annuitant's 80th birthday.

All other GMIB versions: The Protected Value is equal to;

  1. The Account Value on the effective date of the benefit increasing at a compounded rate of 5% annually,
  2. Plus any additional purchase payments, and any credits applied to such purchase payments (may not be available to all owner's), each increasing at a compounded rate of 5% annually,
  3. Reduced dollar for dollar for any withdrawals that does not exceed the 5% dollar for dollar limit. Withdrawals in excess of the 5% dollar for dollar limit, will reduce the Protected Value proportionally.
  4. Until the earlier of the "Roll-Up Cap" or "Roll-Up Cut Off Date". "Roll-Up Cap" is equal to 200% or two times the sum of all purchase payments and credits, as applicable, and reduced dollar for dollar up to 5% and proportionally thereafter. "Roll-Up Cut Off Date" is the later of the contract anniversary coinciding with or next following the annuitant's 80th birthday, 7 years from the effective date of the benefit or 7 years from the most recent benefit step-up.

Even if the account value declines due to sub-account performance, the Protected Value is locked in. The Protected Value may be enhanced by additional purchase payments or increases in the account value due to sub-account performance during the time between the benefit election and the election of guaranteed income (annuitization). The Protected Value is separate from the account value and not available as a lump sum.

Investment Restrictions

As long as GMIB is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

N/A

Withdrawals

GMIB version 1: The Protected Value and Roll-Up Cap under this benefit are reduced proportionally for any withdrawals.

GMIB versions 2 & 3: The Protected Value and Roll-Up Cap under this benefit are reduced dollar for dollar for any withdrawals during the Annuity Year that do not exceed the dollar for dollar 5% limit. The Protected Value and Roll-Up Cap are reduced proportionately by withdrawals in excess of the dollar for dollar limit.

GMIB versions 4 & 5: Prior to the earlier of the "Roll-Up Cut Off Date" or "Roll-Up Cap" the Protected Value and Roll-Up Cap under this benefit are reduced dollar for dollar for any withdrawals during the Annuity Year that do not exceed the dollar for dollar 5% limit. The Protected Value and Roll-Up Cap are reduced proportionately by withdrawals in excess of the dollar for dollar limit. After the earlier of the "Roll-Up Cut Off Date" or "Roll-Up Cap" the Protected Value and Roll-Up Cap under GMIB versions 4 & 5 are reduced proportionally for any withdrawals.

Step-Ups

GMIB version 1: No step-up is available.

All other GMIB versions: An owner may elect to step-up the Protected Value if, due to positive Sub-account performance, the Account Value is greater than the Protected Value. The Protected Value can be stepped up twice over the life of the annuity contract as long as the annuitant(s) has not yet reached age 76. If stepped-up, the annuitant(s) must wait a new 7-year period in order to exercise the GMIB benefit.

Annual Benefit Charge

GMIB version 1 - the current fee is 0.25%.
GMIB version 2 - the current fee is 0.30%.
GMIB version 3 - the current fee is 0.45%.
GMIB versions 4 & 5 - the current fee is 0.50%.

The fee is assessed against the average daily net assets of the Sub-accounts paid annually in arrears.

Benefit Termination

The GMIB benefit terminates automatically upon the surrender of the Annuity or upon due proof of the death of the Annuitant (unless the surviving spouse elects to continue the annuity). For GMIB version 1, after the seventh annuity year the owner may terminate the benefit by notifying Prudential. For all other GMIB versions, the benefit cannot be terminated by the owner. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

There is no Death Benefit associated with this benefit.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

Guaranteed Minimum Withdrawal Benefit (GMWB)

Key Features

An optional benefit that, for an additional cost, will provide for a base guarantee to determine a guaranteed annual withdrawal amount. GMWB can help clients manage the risk of volatile markets by returning no less than their purchase payments plus any credits, as applicable, through guaranteed annual withdrawals of 7%.

GMWB is no longer available for election.

Guarantee

The Protected Value (referred to as the "Benefit Base") is equal to the greater of;

  1. The Account Value on the effective date of the benefit, plus any additional purchase payments, and any credits applied to such purchase payments as applicable, prior to the first withdrawal, or
  2. The Account Value on the date of the first withdrawal

The Protected Value is locked in with the first withdrawal. After the first withdrawal, the Protected Value is adjusted for additional purchase payments (including associated credits) and withdrawals. Withdrawals in excess of the Protected Annual Withdrawal Amount (also referred to as the "Maximum Allowable Benefit") reduce the Protected Value proportionally.

Investment Restrictions

As long as GMWB is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

N/A

Withdrawals

The initial Protected Annual Withdrawal Amount is equal to 7% of the initial Protected Value.

If cumulative withdrawals each annuity year are less than or equal to the Protected Annual Withdrawal Amount, the Protected Value will be reduced "dollar-for-dollar". If the cumulative withdrawals are in excess of the Protected Annual Withdrawal Amount ("Excess Withdrawal"), the Protected Annual Withdrawal Amount and the Protected Value will be reduced proportionally thereafter. Withdrawals under the GMWB benefit are subject to all of the terms and conditions of the Annuity, including any CDSC and MVA that may apply.

Step-Ups

An owner may elect to step-up the Protected Value if the Account Value is greater than the Protected Value. The Protected Value can be stepped up on the 5th annuity anniversary after the later of the first withdrawal or most recent step-up. Step-up elections may be made within the 30-day period prior to the eligibility date or any valuation day thereafter.

If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Protected Annual Withdrawal Amount.

Annual Benefit Charge

The current charge is 0.35% of the average daily net assets of the Sub-accounts. The annual charge is deducted daily.

This charge is waived if no partial surrenders occur during the first seven years from the effective date of the benefit and no purchase payments occur after 5 years from the effective date of the benefit. Charges will apply if additional purchase payments are added after the charge is waived.

Benefit Termination

The GMWB benefit terminates automatically when the Protected Value equals zero. The benefit also terminates upon the surrender of the Annuity, annuitization, or upon due proof of the death of the Annuitant (unless the surviving spouse elects to continue the annuity and the GMWB benefit). The owner may terminate the benefit at any time by notifying Prudential. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

The Basic Death Benefit will terminate, and certain Optional Death Benefits may terminate if withdrawals taken under the GMWB benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

GRO

Key Features

An optional benefit that, after a seven-year period following commencement of the benefit, guarantees the Account Value will not be less than the Account Value on the effective date of the benefit (called the "Protected Principal Value").

GRO is no longer available for election.

Guarantee

Under the GRO benefit, Prudential Annuities guarantees that on the maturity date, the Account Value will be no less than the Protected Principal Value. On the maturity date if the Account Value is below the Protected Principal Value, Prudential Annuities will apply additional amounts to the Annuity from its general account to increase the Account Value to be equal to the Protected Principal Value.

Investment Restrictions

As long as the GRO benefit is in effect 100% of your Account Value must be allocated to the permitted Sub-accounts.

Pre-determined Mathematical Formula

This benefit uses a mathematical formula to determine transfers of account value between the permitted sub-accounts and MVA Fixed Allocations. If 100% of assets move into the fixed allocation, they will remain in that allocation.

Withdrawals

Guarantees under this benefit are reduced proportionally by the percentage the withdrawal amount represents of the account value immediately prior to the withdrawal for any withdrawals during the Annuity Year.

Step-Ups

An owner may elect a restart of the program once per annuity year and will be effective on the contract anniversary. A restart allows the policyholder to step-up the guarantee to the then current account value and restarts a new program duration of seven years from the restart date.

Annual Benefit Charge

For Benefits issued on or after November 18, 2002, based on state availability: The current charge is 0.25% of the average daily net assets of the Sub-accounts for participation in the GRO benefit. The annual charge is deducted daily.

For Benefits issued between January 23, 2002 and November 15, 2002 (and subsequent to November 19, 2002 in those states where the daily deduction of the charge has not been approved). The current charge is 0.25% deducted annually, in arrears, according to the prospectus in effect as of the date the program was elected. Owners who purchased ASAP III between 4/1/2003 and 9/30/2003 or ASL II between 2/4/2002 and 11/15/2002 (the "Promotional Period") will not be charged the 0.25% annual fee.

Benefit Termination

The GRO benefit terminates upon the surrender of the Annuity or when a death benefit becomes payable under the contract. The owner may also terminate the benefit at any time by notifying Prudential. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

There is no Death Benefit associated with this benefit.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

GRO Plus

Key Features

An optional benefit that, after a seven-year period following commencement of the benefit, and every anniversary thereafter while the benefit remains active, guarantees the Account Value will not be less than the Account Value on the effective date of the benefit called the "Protected Principal Value".

Guarantee

Base Guarantee: Under the base guarantee, Prudential Annuities guarantees that on the maturity date and on each anniversary of the maturity date thereafter that the benefit remains in effect, your Account Value will be no less than the Protected Principal Value.

Enhanced Guarantee: On any anniversary following commencement of the benefit, you can establish an enhanced guaranteed amount based on your current Account Value. Under the enhanced guarantee, Prudential Annuities guarantees that at the end of a specified period following the election of the enhanced guarantee, and on each anniversary of the maturity date thereafter that the enhanced guaranteed amount remains in effect, your Account Value will be no less than the Enhanced Protected Principal Value. If there is already an Enhanced Guarantee in place at the time one is elected, the new Enhanced Guarantee will replace the existing Enhanced Guarantee.

Investment Restrictions

As long as the GRO Plus benefit is in effect 100% of your Account Value must be allocated to the permitted Sub-accounts.

Pre-determined Mathematical Formula

This benefit uses a mathematical formula to determine transfers of account value between the permitted sub-accounts and MVA Fixed Allocations.

Withdrawals

Guarantees under this benefit are reduced dollar for dollar for any withdrawals during the Annuity Year that do not exceed the Dollar for Dollar 5% limit. The limit is increased by purchase payments and credits allocated to such Purchase Payments. Guarantees are reduced proportionately by withdrawals in excess of the limit.

Step-Ups

Manual step-ups: elections may be made within 30 days of benefit anniversary and is effective on benefit anniversary. 

Automatic step-ups: Benefit feature available for election in addition to the manual step-up. This feature will automatically create an enhanced guarantee on each benefit anniversary if the account value on that date exceeds the existing base guarantee or enhanced guarantee by 7% or more.

The creation of a new enhanced guarantee and enhanced guarantee "waiting period" (7 years) will supersede any existing enhanced guarantee.

Annual Benefit Charge

The current charge is 0.25% of the average daily net assets of the Sub-accounts for participation in the GRO Plus benefit. The annual charge is deducted daily. Owners who purchased ASAP III between 4/1/2003 and 9/30/2003 or ASL II between 2/4/2002 and 11/15/2002 (the "Promotional Period") will not be charged the 0.25% annual fee.

Benefit Termination

The enhanced guarantee can be terminated but the protection provided by the base guarantee may be maintained. The GRO Plus benefit terminates upon the surrender of the Annuity or when a death benefit becomes payable under the contract. The owner may also terminate the benefit at any time by notifying Prudential. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

There is no Death Benefit associated with this benefit.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

GRO Plus 2008

Key Features

An optional benefit that, after a seven-year period following commencement of the benefit, and every anniversary thereafter while the benefit remains active, guarantees the Account Value will not be less than the Account Value on the effective date of the benefit called the "Protected Principal Value".

GRO Plus 2008 is no longer available for election.

Guarantee

Base Guarantee: Guarantees that the Account Value on the seventh benefit anniversary, and each anniversary thereafter, is no less than the account value on the benefit effective date.

Enhanced Guarantee: Availability to lock in an enhanced guarantee once per benefit year if the Account Value on the Valuation Day exceeds the amount of any existing base guarantee or enhanced guarantee. When an enhanced guarantee is added to the contract, the Account Value on the seventh benefit anniversary following the effective date of the enhanced guarantee, and each anniversary thereafter, is guaranteed to be at least equal to the Account Value on the effective date of the enhanced guarantee. If there is already an Enhanced Guarantee in place at the time one is elected, the new Enhanced Guarantee will replace the existing Enhanced Guarantee. An automatic enhanced guarantee feature is also available.

Investment Restrictions

As long as the GRO Plus 2008 benefit is in effect 100% of your Account Value must be allocated to the permitted Sub-accounts.

Pre-determined Mathematical Formula

This benefit uses a mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST bond portfolios. An optional 90% cap is available (subject to state availability) for election by the client at any time; this cap prevents more than 90% of the account value from being transferred by the algorithm to the bond fund.

Withdrawals

Guarantees under this benefit are reduced dollar for dollar for any withdrawals during the Annuity Year that do not exceed the Dollar for Dollar 5% limit. The limit is increased by purchase payments and credits allocated to such Purchase Payments. Guarantees are reduced proportionately by withdrawals in excess of the limit.

Step-Ups

Manual step-ups: elections may be made once per benefit year.

Automatic step-ups: Benefit feature available for election in addition to the manual step-up. This feature will automatically create an enhanced guarantee on each benefit anniversary if the account value on that date exceeds the existing base guarantee or enhanced guarantee by 7% or more.

The creation of an enhanced guarantee and enhanced guarantee "waiting period" (7 years) will supersede any existing enhanced guarantee.

Annual Benefit Charge

The current charge is 0.60% (0.35%, for elections prior to May 1, 2009) of the average daily net assets of the Sub-accounts including the AST bond portfolios. The annual charge is deducted daily.

Benefit Termination

The enhanced guarantee can be terminated but the protection provided by the base guarantee may be maintained. The GRO Plus 2008 benefit terminates upon the surrender of the Annuity or when a death benefit becomes payable under the contract (unless continued under the contract's spousal continuation provisions). The owner may also terminate the benefit at any time by notifying Prudential. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

There is no Death Benefit associated with this benefit.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

HD GRO

Key Features

Provides account value protection with the opportunity to lock in annually, the highest daily value for the contract year.

HD GRO is no longer available for election.

Guarantee

The Account Value on the tenth anniversary of the benefit election will not be less than the Account Value on the day that the HD GRO benefit was added to the Annuity. On each benefit anniversary a new guarantee is created and is equal to the highest daily account value that occurred between the benefit effective date and the benefit anniversary on which the new guarantee is being established.

Investment Restrictions

As long as the HD GRO benefit is in effect 100% of your Account Value must be allocated to the permitted Sub-accounts.

Pre-determined Mathematical Formula

This benefit uses a mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST bond portfolios. An optional 90% cap is available (subject to state availability) for election by the client at any time; this cap prevents more than 90% of the account value from being transferred by the algorithm to the bond fund.

Withdrawals

Guarantees under this benefit are reduced dollar for dollar for any withdrawals during the Annuity Year that do not exceed the Dollar for Dollar 5% limit. The limit is increased by purchase payments and credits allocated to such Purchase Payments. Guarantees are reduced proportionately by withdrawals in excess of the limit.

Step-Ups

Please refer to 'Guarantee' Section above.

Annual Benefit Charge

The current charge is 0.60% (0.35% prior to 5/1/2009) of the daily total sub-account and including any AST bond portfolio, paid through the daily insurance charge calculation.

Benefit Termination

The HD GRO benefit terminates upon the surrender of the Annuity or when a death benefit becomes payable under the contract (unless continued under the contract's spousal continuation provisions). The owner may also terminate the benefit at any time by notifying Prudential. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective

Death Benefit

There is no Death Benefit associated with this benefit.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

GRO Plus II

Key Features

An optional benefit that, after a seven-year period following commencement of the benefit, and every anniversary thereafter while the benefit remains active, guarantees the Account Value will not be less than the Account Value on the effective date of the benefit called the ("Protected Principal Value").

Guarantee

Base Guarantee: Guarantees that the Account Value on the seventh benefit anniversary, and each anniversary thereafter, is no less than the account value on the benefit effective date.

Enhanced Guarantee: Availability to lock in an enhanced guarantee once per benefit year if the Account Value on the Valuation Day exceeds the amount of any existing base guarantee or enhanced guarantee. When an enhanced guarantee is added to the contract, the Account Value on the seventh benefit anniversary following the date the effective date of the enhanced guarantee, and each anniversary thereafter, is guaranteed to be at least equal to the Account Value on effective date of the enhanced guarantee. If there is already an Enhanced Guarantee in place at the time one is elected, the new Enhanced Guarantee will replace the existing Enhanced Guarantee. An automatic enhanced guarantee feature is also available.

Investment Restrictions

Must be invested in one or more of the allowable Permitted Subaccounts or the client may utilize the Custom Portfolios Program (CPP).

Pre-determined Mathematical Formula

This benefit uses a mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST bond portfolios. A 90% cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

Guarantees under this benefit are reduced proportionally by the percentage the withdrawal amount represents of the account value immediately prior to the withdrawal for any withdrawals during the Annuity Year.

Step-Ups

Manual step-ups: elections may be made once per benefit year.

Automatic step-ups: Benefit feature available for election in addition to the manual step-up. This feature will automatically create an enhanced guarantee on each benefit anniversary if the account value on that date exceeds the existing base guarantee or enhanced guarantee by 7% or more.

The creation of an enhanced guarantee and enhanced guarantee "waiting period" (7 years) will supersede any existing enhanced guarantee.

Annual Benefit Charge

The current charge is 0.60% of the average daily net assets of the Sub-accounts including the AST bond portfolios. The annual charge is deducted daily.

Benefit Termination

The enhanced guarantee can be terminated but the protection provided by the base guarantee may be maintained. The GRO Plus II benefit terminates upon the surrender of the Annuity or when a death benefit becomes payable under the contract (unless continued under the contract's spousal continuation provisions). The owner may also terminate the benefit at any time by notifying Prudential. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

There is no Death Benefit associated with this benefit.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

HD GRO II

Key Features

Provides account value protection with the opportunity to lock in annually, the highest daily value for the contract year.

Guarantee

The Account Value on the tenth anniversary of the benefit election will not be less than the Account Value on the day that the HD GRO II benefit was added to the Annuity. On each benefit anniversary a new guarantee is created and is equal to the highest daily account value that occurred between the benefit effective date and the benefit anniversary date, on which the new guarantee is being established.

Investment Restrictions

Must be invested in one or more of the allowable Permitted Subaccounts or the client may utilize the Custom Portfolios Program (CPP). The Sub-accounts in which the Account Value may be allocated are limited.

Pre-determined Mathematical Formula

This benefit uses a mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST bond portfolios. A 90% cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

Guarantees under this benefit are reduced proportionally by the percentage the withdrawal amount represents of the account value immediately prior to the withdrawal for any withdrawals during the Annuity Year.

Step-Ups

Please refer to 'Guarantee' Section above

Annual Benefit Charge

The current charge is 0.60% of the daily total sub-account and the Transfer Account, paid through the daily insurance charge calculation.

Benefit Termination

The HD GRO II benefit terminates upon the surrender of the Annuity or when a death benefit becomes payable under the contract (unless continued under the contract's spousal continuation provisions). The owner may also terminate the benefit at any time by notifying Prudential. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective

Death Benefit

There is no Death Benefit associated with this benefit.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

LT 5

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an annual amount equal to a percentage of a principle value called the Protected Withdrawal Value ("PWV"). The withdrawal amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.There are two options:

  1. Life Income Benefit - provides an annual income amount for life, referred to as Annual Income Amount ("AIA"), based on 5% of the PWV.
  2. Withdrawal Benefit - provides an Annual Withdrawal Amount ("AWA"), based on 7% of the PWV, until the PWV is reduced to zero. Lifetime Five is no longer available for election.

Lifetime Five is no longer available for election.

Guarantee

The Protected Withdrawal Value is equal to the greater of;

  1. The Account Value on the effective date of the benefit, plus any additional purchase payments, as applicable, each growing at a 5% compounded growth until the first withdrawal or, if earlier, the 10th anniversary of the benefit effective date,
  2. The Account Value on the date of the first withdrawal, prior to the withdrawal
  3. The highest Account Value on each anniversary, plus subsequent purchase payments, prior to the first withdrawal or, if earlier, the 10th anniversary of the benefit effective date.

Even if the account value declines, the Protected Withdrawal Value is always locked in until the first withdrawal. The PWV is separate from the account value and not available as a lump sum.

Investment Restrictions

As long as the LT5 Income Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

N/A

Withdrawals

Annual Income Amount (AIA):
The initial AIA is equal to 5% of the initial PWV at the first withdrawal taken after the benefit becomes active.

Annual Withdrawal Amount (AWA):
The initial AWA is equal to 7% of the initial PWV.
If the cumulative withdrawals are in excess of the AWA and AIA ("Excess Withdrawal"), the AWA and AIA will be reduced proportionally thereafter (except with regard to required minimum distributions, which we calculate and distribute through our administrative program). Withdrawals under the LT5 benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

A step-up to the Protected Withdrawal Value may be elected if, due to positive market performance, the Account Value is greater than the Protected Withdrawal Value.

Auto Step-Up:
Eligibility for benefits elected on or after 3/20/2006:
- On the 1st annuity anniversary after the later of the first withdrawal or the most recent step-up. (Also available for Manual Step-up)
- 5% of the Account Value exceeds the Annual Income Amount by any amount. Eligibility for benefits elected prior to 3/20/2006
- On the 5th annuity anniversary after the later of the first withdrawal or most recent step-up. (Also available for Manual Step-up)
- 5% of the Account Value exceeds the Annual Income Amount by 5% or more.

If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current fee is 0.60% assessed against the average daily net assets of the Sub-accounts paid through the daily insurance charge calculation.

Benefit Termination

The LT5 benefit terminates automatically when the Protected Withdrawal Value and Annual Income Amount equal zero. The benefit also terminates upon the surrender of the Annuity or upon due proof of the death of the Annuitant. The owner may terminate the benefit at any time by notifying Prudential. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective. If a surviving spouse elects to continue the annuity, this benefit terminates. The spouse may elect any benefit Prudential is offering for post issue election at the time of the spousal assumption, assuming the contract conforms with all other restrictions outlined in the prospectus.

Death Benefit

The Basic Death Benefit will terminate and certain Optional Death Benefits may terminate, if withdrawals taken under the LT5 benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

Spousal LT 5

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an annual amount equal to a percentage of a principle value called the Protected Withdrawal Value ("PWV"). The withdrawal amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals. Life Income Benefit - provides an annual income amount for life, referred to as Annual Income Amount ("AIA"), based on 5% of the PWV.

Spousal Lifetime Five is no longer available for election.

Guarantee

The Protected Withdrawal Value is equal to the greater of;

  1. The Account Value on the effective date of the benefit, plus any additional purchase payments, as applicable, each growing at a 5% compounded growth until the first withdrawal or, if earlier, the 10th anniversary of the benefit effective date,
  2. The Account Value on the date of the first withdrawal, prior to the withdrawal
  3. The highest Account Value on each anniversary, plus subsequent purchase payments, prior to the first withdrawal or, if earlier, the 10th anniversary of the benefit effective date.

Even if the account value declines, the Protected Withdrawal Value is always locked in until the first withdrawal. The PWV is separate from the account value and not available as a lump sum.

Investment Restrictions

As long as the SLT5 Income Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

N/A

Withdrawals

Annual Income Amount (AIA):
The initial AIA is equal to 5% of the initial PWV at the first withdrawal taken after the benefit becomes active. Withdrawals under the SLT5 benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

A step-up to the Annual Income Amount may be elected if, due to positive market performance, the Account Value is greater than the Protected Withdrawal Value.

Auto Step-Up:
Eligibility for benefits elected on or after 3/20/2006:

  • On the 1st annuity anniversary after the later of the first withdrawal or the most recent step-up. (Also available for Manual Step-up)
  • 5% of the Account Value exceeds the AIA by any amount.

If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current fee is 0.75% assessed against the average daily net assets of the Sub-accounts paid through the daily insurance charge calculation.

Benefit Termination

The SLT5 benefit terminates automatically when the Annual Income Amount equal zero. The owner may terminate the benefit at any time by notifying Prudential. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective.

For a Surviving Designated Life to continue the Spousal Lifetime Five benefit upon the death of an owner, the surviving Designated Life must elect to assume ownership of the Annuity under the spousal continuation option.

Death Benefit

The Basic Death Benefit will terminate and certain Optional Death Benefits may terminate, if withdrawals taken under the SLT5 benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

HD 5

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an annual amount, the Total Annual Income Amount ("AIA"), equal to a percentage of an initial principle value called the Protected Withdrawal Value ("PWV"). The AIA is guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals. Highest Daily Lifetime Five Income Benefit ("HD5") is no longer available for election.

Guarantee

Until the earlier of the first withdrawal or the Tenth Anniversary of the election of the benefit, the PWV is equal to the greater of:

  1. The PWV appreciated at the daily equivalent of 5% annually plus the amount of any purchase payments made; and
  2. The Account Value.

If HD5 is in effect for ten years and no withdrawals have been taken. The PWV is guaranteed to be at least 200% of the account value at benefit election plus 200% of all purchase payments made during the one-year period after the date the benefit was elected and 100% of purchase payments made thereafter.

Even if the account value declines, the Protected Withdrawal Value is locked in until the earlier of the first withdrawal or tenth anniversary of the effective date of the benefit. The PWV is separate from the account value and not available as a lump sum.

Investment Restrictions

As long as the HD5 Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available investment option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and a fixed interest rate account. This is the Benefit Fixed Rate Account that is part of Prudential's general account. An optional cap is available (subject to state availability) for election by the client at any time; this cap prevents more than 90% of the account value from being transferred by the algorithm to the bond fund.

Withdrawals

The initial Total AIA is equal to 5% of the initial PWV at the first withdrawal taken after the benefit becomes active. If the cumulative withdrawals are in excess of the Total AIA ("Excess Income"), the Total AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs). Withdrawals under the HD5 benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Quarterly Auto Step-Up") is included as part of this benefit. The Highest Quarterly Auto Step-Up feature can result in a larger Total AIA if subsequent to the first withdrawal, the highest quarterly account value for that annuity year, multiplied by the applicable withdrawal percentage results in a higher Annual Income Amount.If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current fee is 0.60% assessed against the average daily net assets of the Sub-accounts paid through the daily insurance charge calculation.

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of the death of the Annuitant. The owner may also terminate the benefit at any time by notifying Prudential. If the benefit terminates, any guarantee provided by the benefit will terminate as of the date the termination is effective. The benefit also terminates when the Annual Income Amount is equal to zero.

Death Benefit

The Basic Death Benefit will terminate and certain Optional Death Benefits may terminate, if withdrawals taken under the HD5 benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
No subpays allowed1

HD 7

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year equal to a percentage of a guaranteed benefit base called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Highest Daily Lifetime Seven Income Benefit ("HD7") is no longer available for new election.

Guarantee

Until the earlier of the first withdrawal or the Tenth Anniversary of the election of the benefit the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 7% annually plus the amount of any purchase payments made ; or
  2. The Account Value.

If the benefit is in effect for ten years and no withdrawals have been taken, the PWV is guaranteed to be at least 200% of the account value at benefit election plus 200% of all purchase payments made during the one-year period after the date the benefit was elected and 100% of purchase payments made thereafter up to the date of the first withdrawal.

Return of Principle Guarantee: If a withdrawal is not made before the Tenth Anniversary, a guarantee of 100% of the Account Value on the Benefit Effective Date plus Adjusted Premiums made during the 12-month period following.

Investment Restrictions

As long as the HD7 Income Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. An optional 90% cap is available (subject to state availability) for election by the client at any time; this cap prevents more than 90% of the account value from being transferred by the algorithm to the bond fund.

Withdrawals

Guarantees under this benefit are reduced proportionally by the percentage the withdrawal amount represents of the account value immediately prior to the withdrawal for any withdrawals during the Annuity Year.

Step-Ups

An automatic step-up feature ("Highest Quarterly Auto Step-Up") is included as part of this benefit. The Highest Quarterly Auto Step-Up feature can result in a larger AIA if subsequent to the first withdrawal, the highest quarterly account value for that annuity year, multiplied by the applicable withdrawal percentage results in a higher AIA. If a systematic withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current fee is 0.60% of the PWV. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account.

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of the death of the Annuitant. The benefit may also be terminated at any time by the owner notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

An optional death benefit, Beneficiary Income Option ("BIO") offered a beneficiary the choice to receive either;

  1. the basic death benefit in a lump sum or other permitted form of distribution; or
  2. the death benefit in the form of periodic payments of the Annual Income Amount. The death benefit under the HD7 with BIO has a current annual charge of .95%

A beneficiary who opted to receive the AIA is allowed to designate another beneficiary, who would receive any remaining payments upon the former beneficiary's death. The Basic Death Benefit will terminate and certain optional death benefits may terminate, if withdrawals taken under the HD7 benefit cause the Account Value to reduce to zero.

Additional Features

Lifetime Income Option - An optional feature available with HD7 that will double the annual income, should certain conditions be met regardless of whether the designated life is living at home or in a Qualified Nursing Facility.

Subject to eligibility of both a waiting period of 36 months, and an elimination period of 120 days. The waiting period and the elimination period may run concurrently. The income benefit under HD7 with LIA has a current annual charge of .95%.

Additional Purchase Payments

Subject to jumbo limits
No subpays allowed1

Spousal HD 7

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year based on two Designated Lives, equal to a percentage of a guaranteed benefit base called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Spousal Highest Daily Lifetime Seven Income Benefit ("SHD7") is no longer available for new election.

Guarantee

Until the earlier of the first withdrawal or the Tenth Anniversary of the election of the benefit the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 7% annually plus the amount of any purchase payments made; or
  2. The Account Value.

If the benefit is in effect for ten years and no withdrawals have been taken, the PWV is guaranteed to be at least 200% of the account value at benefit election plus 200% of all purchase payments made during the one-year period after the date the benefit was elected and 100% of purchase payments made thereafter up to the date of the first withdrawal.

Return of Principle Guarantee:
If a withdrawal is not made before the Tenth Anniversary, the Return of Principal Guarantee is equal to;

  1. 100% of Account Value on the Benefit Effective Date; plus
  2. 100% of Adjusted Premiums made during the 12-month period following the Benefit Effective Date.

Investment Restrictions

As long as the Spousal HD7 Income Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. An optional 90% cap is also available (subject to state availability) for election by the client at any time; this cap prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

The SHD7 withdrawal percentage is based on the youngest Designated Life (even if that Designated Life is no longer a participant due to death or divorce) on the date of the first withdrawal (and on each annuity anniversary that follows the first withdrawal for purposes of determining step up eligibility).

Age Percentage
Less than or equal to age 79 5%
80 - 84 6%
85 - 89 7%
90 and older 8%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs). Withdrawals under the SHD7 benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Quarterly Auto Step-Up") is included as part of this benefit. The Highest Quarterly Auto Step-Up feature can result in a larger Total AIA if subsequent to the first withdrawal, the highest quarterly account value for that annuity year, multiplied by the applicable withdrawal percentage results in a higher Annual Income Amount. If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current fee is 0.75% of the PWV. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account. 

The death benefit under SHD7 with BIO has a current annual charge of 0.95%

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of death of the second Designated Life. The benefit may also terminate if upon the death of the first Designated Life, the surviving Designated Life elects to take the death benefit under the Annuity. The benefit may be terminated at any time by the owner notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

An optional death benefit, Beneficiary Income Option ("BIO") offered a beneficiary the choice to receive either;

  1. the basic death benefit in a lump sum or other permitted form of distribution; or
  2. the death benefit in the form of periodic payments of the Annual Income Amount.

A beneficiary who opted to receive the AIA is allowed to designate another beneficiary, who would receive any remaining payments upon the former beneficiary's death. The Basic Death Benefit will terminate and certain optional death benefits may terminate, if withdrawals taken under the HD7 benefit cause the Account Value to reduce to zero.The death benefit under SHD7 with BIO has a current annual charge of 1.10%

Additional Purchase Payments

Subject to jumbo limits
No subpays allowed1

HD 7 Plus

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year equal to a percentage of an initial principle value called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Highest Daily Lifetime Seven Plus Income Benefit ("HD7 Plus") is no longer available for new election.

Guarantee

Until the first lifetime withdrawal the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 7% annually plus the amount of any purchase payments made; or
  2. The Account Value.

If the benefit is in effect on the 10th, 20th or 25th Anniversary and no lifetime withdrawals have been taken the PWV is guaranteed to be at least;

  1. 200% (on the 10th Anniversary), 400% (on the 20th Anniversary), and 600% (on the 25th Anniversary)of the account value at benefit election; plus
  2. 200% (on the 10th Anniversary), 400% (on the 20th Anniversary), and 600% (on the 25th Anniversary)of all purchase payments made during the one-year period after the date the benefit was elected; plus
  3. 100% of purchase payments made thereafter up to the date of the first lifetime withdrawal.

Return of Principle Guarantee: If a Lifetime Withdrawal is not made before the Tenth Anniversary, the Account Value is guaranteed to be no less than the Account Value on the Benefit Effective Date plus Purchase Payments made during the 12-month period following, each proportionally reduced for Non-Lifetime Withdrawals.

Investment Restrictions

As long as the HD7 Plus Income Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. A cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund

Withdrawals

The HD7Plus withdrawal percentage is based on the age of the Annuitant on the date of the first lifetime withdrawal (and on each annuity anniversary that follows the first lifetime withdrawal for purposes of determining step up eligibility).

Age Percentage
45 to less than 59½ 4%
59½ - 74 5%
75 - 79 6%
80 - 84 7%
85 and older 8%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs).

  • Any systematic withdrawal will be deemed a Lifetime Withdrawal under this benefit.
  • A one-time Non-Lifetime Withdrawal is permitted from the Annuity prior to taking Lifetime Withdrawals under the HD7 Plus benefit and will reduce the PWV. Non-Lifetime withdrawals reduce the AIA proportionally.
  • Withdrawals under the HD7 Plus benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Daily Auto Step-Up") is included as part of this benefit. The Highest Daily Auto Step-Up feature can result in a larger Annual Income Amount if the highest daily account value for that annuity year, multiplied by applicable withdrawal percentage results in a higher Annual Income Amount. If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current charge is 0.75% of the greater of Account Value and the Protected Withdrawal Value. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account and the DCA Fixed Rate Option (if applicable).

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of the death of the Annuitant. The benefit may also be terminated at any time by the owner notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective. If a surviving spouse elects to continue the Annuity, the HD7 Plus benefit terminates.

Death Benefit

An optional death benefit, Beneficiary Income Option ("BIO") offered a beneficiary the choice to receive either;

  1. the basic death benefit in a lump sum or other permitted form of distribution; or
  2. the death benefit in the form of periodic payments of the Annual Income Amount.

The death benefit under HD7 Plus with BIO has a current annual charge of 1.10%.

A beneficiary who opted to receive the AIA is allowed to designate another beneficiary, who would receive any remaining payments upon the former beneficiary's death. The Basic Death Benefit will terminate and certain optional death benefits may terminate, if withdrawals taken under the HD7 Plus benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
No subpays allowed1

Spousal HD 7 Plus

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year based on two Designated Lives, equal to a percentage of a guaranteed benefit base called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Spousal Highest Daily Lifetime Seven Income Benefit ("SHD7") is no longer available for new election.

Guarantee

Until the first lifetime withdrawal the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 7% annually plus the amount of any purchase payments made; or
  2. The Account Value.

If the benefit is in effect on the 10th, 20th or 25th Anniversary and no lifetime withdrawals have been taken the PWV is guaranteed to be at least;

  1. 200% (on the 10th Anniversary), 400% (on the 20th Anniversary), and 600% (on the 25th Anniversary)of the account value at benefit election; plus
  2. 200% (on the 10th Anniversary), 400% (on the 20th Anniversary), and 600% (on the 25th Anniversary)of all purchase payments made during the one-year period after the date the benefit was elected; plus
  3. 100% of purchase payments made thereafter up to the date of the first lifetime withdrawal.

Return of Principle Guarantee: If a Lifetime Withdrawal is not made before the Tenth Anniversary, a guarantee of Account Value on the Benefit Effective Date plus Purchase Payments made during the 12-month period following each proportionally reduced for Non-Lifetime Withdrawals.

Investment Restrictions

As long as the Spousal HD7 Plus Income Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. A cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

The SHD7 Plus withdrawal percentage initially depends on the age of the youngest Designated Life on the date of the first lifetime withdrawal.

Age Percentage
50 to less than 59½ 4%
59½ - 79 5%
80 - 84 6%
85 - 89 7%
90 and older 8%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs).

  • Any systematic withdrawal will be deemed a Lifetime Withdrawal under this benefit.
  • A one-time Non-Lifetime Withdrawal is permitted from the Annuity prior to taking Lifetime Withdrawals under the SHD7 Plus benefit and will reduce the PWV. Non-Lifetime withdrawals reduce the AIA proportionally.
  • Withdrawals under the SHD7 Plus benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Daily Auto Step-Up") is included as part of this benefit. The Highest Daily Auto Step-Up feature can result in a larger Annual Income Amount if the highest daily account value for that annuity year, multiplied by applicable withdrawal percentage results in a higher Annual Income Amount.If a systematic withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current charge is 0.90% of the greater of Account Value and the Protected Withdrawal Value. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account and the DCA Fixed Rate Option (if applicable).

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of death of the second Designated Life. The benefit may also terminate if upon the death of the first Designated Life, the surviving Designated Life elects to take the death benefit under the Annuity. The benefit may be terminated at any time by the owner notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

An optional death benefit, Beneficiary Income Option ("BIO") offered a beneficiary the choice to receive either;

  1. the basic death benefit in a lump sum or other permitted form of distribution; or
  2. the death benefit in the form of periodic payments of the Annual Income Amount.

The death benefit under SHD7 Plus with BIO has a current annual charge of 1.10%.

A beneficiary who opted to receive the AIA is allowed to designate another beneficiary, who would receive any remaining payments upon the former beneficiary's death. The Basic Death Benefit will terminate and certain optional death benefits may terminate, if withdrawals taken under the SHD7 Plus benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
No subpays allowed1

HD 6 Plus

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year equal to a percentage of an initial principle value called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Highest Daily Lifetime Six Plus Income Benefit ("HD6 Plus") is no longer available for new election."

Guarantee

Until the earlier of the first withdrawal or the Tenth Anniversary of the election of the benefit the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 6% annually plus the amount of any purchase payments made; or
  2. The Account Value.

If the benefit is in effect on the 10th, or 20th Anniversary and no lifetime withdrawals have been taken the PWV is guaranteed to be at least;

  1. 200% (on the 10th Anniversary) and 400% (on the 20th Anniversary) of the account value at benefit election; plus
  2. 200% (on the 10th Anniversary) and 400% (on the 20th Anniversary) of all purchase payments made during the one-year period after the date the benefit was elected; plus
  3. 100% of purchase payments made thereafter up to the date of the first lifetime withdrawal.

Investment Restrictions

As long as the HD6 Plus Income Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. A cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

The HD6 Plus withdrawal percentage is based on the age of the Annuitant on the date of the first lifetime withdrawal (and on each annuity anniversary that follows the first lifetime withdrawal for purposes of determining step up eligibility).

Annuitants age at first
Lifetime Withdrawal
Income %
45 - 591/2

4%

591/2 - 79

5%

80 and older

6%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs).

  • Any systematic withdrawal will be deemed a Lifetime Withdrawal under this benefit.
  • A one-time Non-Lifetime Withdrawal is permitted from the Annuity prior to taking Lifetime Withdrawals under the HD6 Plus benefit and will reduce the PWV. Non-lifetime withdrawals reduce the AIA proportionally.
  • Withdrawals under the HD6 Plus benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ('Highest Daily Auto Step-Up') is included as part of this benefit. The Highest Daily Auto Step-Up feature can result in a larger Annual Income Amount if the highest daily account value for that annuity year, multiplied by applicable withdrawal percentage results in a higher Annual Income Amount. If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current charge is 0.85% of the greater of Account Value and the Protected Withdrawal Value. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account and the DCA Fixed Rate Option (if applicable).

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of the death of the Annuitant. The benefit may also be terminated at any time by notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective. If a surviving spouse elects to continue the Annuity, the HD6 Plus benefit terminates.

Death Benefit

The Basic Death Benefit will terminate and certain optional Death Benefits may terminate, if withdrawals taken under the HD6 Plus benefit cause the Account Value to reduce to zero. Please review prospectus for additional information regarding the HD6 Plus death benefit component.

Additional Features

Lifetime Income Accelerator: An optional feature available with HD6 Plus that will double the annual income, should certain conditions be met regardless of whether the designated life is living at home or in a Qualified Nursing Facility. Subject to eligibility of both a waiting period of 36 months, and an elimination period of 120 days. The waiting period and the elimination period may run concurrently. The income benefit under HD6 Plus with LIA has a current annual charge of 1.20%.

Additional Purchase Payments

Subject to jumbo limits
No subpays allowed1

Spousal HD 6 Plus

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year based on two Designated Lives equal to a percentage of an initial principle value called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Spousal Highest Daily Lifetime Six Plus Income Benefit ("SHD6 Plus") is no longer available for new election.

Guarantee

Until the first lifetime withdrawal the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 6% annually plus the amount of any purchase payments made; or
  2. The Account Value.

If the benefit is in effect on the 10th, or 20th Anniversary and no lifetime withdrawals have been taken. The PWV is guaranteed to be at least;

  1. 200% (on the 10th Anniversary) and 400% (on the 20th Anniversary) of the account value at benefit election; plus
  2. 200% (on the 10th Anniversary) and 400% (on the 20th Anniversary) of all purchase payments made during the one-year period after the date the benefit was elected; plus
  3. 100% of purchase payments made thereafter up to the date of the first lifetime withdrawal

Investment Restrictions

As long as the SHD6 Plus Income Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. A cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

The SHD6 Plus withdrawal percentage initially depends on the age of the youngest Designated Life on the date of the first lifetime withdrawal.

Annuitants age at first Lifetime Withdrawal Income %
50-64

4%

65-84

5%

85 and older

6%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs).

  • Any systematic withdrawal will be deemed a Lifetime Withdrawal under this benefit.
  • A one-time Non-Lifetime Withdrawal is permitted from the Annuity prior to taking Lifetime Withdrawals under the SHD6 Plus benefit and will reduce the PWV. Non-lifetime withdrawals reduce the AIA proportionally.
  • Withdrawals under the SHD6 Plus benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Daily Auto Step-Up") is included as part of this benefit. The Highest Daily Auto Step-Up feature can result in a larger Annual Income Amount if the highest daily account value for that annuity year, multiplied by applicable withdrawal percentage results in a higher Annual Income Amount. If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current charge is 0.95% of the greater of Account Value and the Protected Withdrawal Value. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account and the DCA Fixed Rate Option (if applicable).

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of death of the second Designated Life. The benefit may also terminate if upon the death of the first Designated Life, the surviving Designated Life elects to take the death benefit under the Annuity. The benefit may be terminated at any time by the owner notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

The Basic Death Benefit will terminate and certain optional Death Benefits may terminate, if withdrawals taken under the SHD6 Plus benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
No subpays allowed1

HDI

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year equal to a percentage of an initial principle value called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Highest Daily Lifetime Income Benefit ("HDI") is no longer available for new election.

Guarantee

Until the first lifetime withdrawal the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 5% annually plus the amount of any purchase payments made; or
  2. The Account Value.

If the benefit is in effect on the 12th Anniversary and no lifetime withdrawals have been taken the PWV is guaranteed to be at least;

  1. 200% of the account value at benefit election; plus
  2. 200% of all purchase payments made during the one-year period after the date the benefit was elected; plus
  3. 100% of purchase payments made thereafter up to the date of the first lifetime withdrawal.

Investment Restrictions

As long as the HDI Income Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. A cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

The HDI withdrawal percentage is based on the age of the Annuitant on the date of the first lifetime withdrawal (and on each annuity anniversary that follows the first lifetime withdrawal for purposes of determining step up eligibility).

Age Percentage
45 - 54 3%
55 to less than 59½ 4%
59½ - 84 5%
85 and older 6%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs).

  • Any systematic withdrawal will be deemed a Lifetime Withdrawal under this benefit.
  • A one-time Non-Lifetime Withdrawal is permitted from the Annuity prior to taking Lifetime Withdrawals under the HDI benefit and will reduce the PWV. Non-Lifetime withdrawals reduce the AIA proportionally.
  • Withdrawals under the HDI benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Daily Auto Step-Up") is included as part of this benefit. The Highest Daily Auto Step-Up feature can result in a larger Annual Income Amount if the highest daily account value for that annuity year, multiplied by applicable withdrawal percentage results in a higher Annual Income Amount. If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current charge is 0.95% of the greater of Account Value and the Protected Withdrawal Value. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account and the DCA Fixed Rate Option (if applicable).

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of the death of the Annuitant. The benefit may also be terminated at any time by notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective. If a surviving spouse elects to continue the Annuity, the HDI benefit terminates.

Death Benefit

The Basic Death Benefit will terminate and certain optional Death Benefits may terminate, if withdrawals taken under the HDI benefit cause the Account Value to reduce to zero.

Additional Features

Lifetime Income Accelerator: An optional feature available with HDI that will double the annual income, should certain conditions be met regardless of whether the designated life is living at home or in a Qualified Nursing Facility. Subject to eligibility of both a waiting period of 36 months, and an elimination period of 120 days. The waiting period and the elimination period may run concurrently. The income benefit under HDI with LIA has a current annual charge of 1.30%.

Additional Purchase Payments

Subject to jumbo limits
Limit of 50K if received after the 1st benefit anniversary in each benefit year

Spousal HDI

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year based on two Designated Lives equal to a percentage of an initial principle value called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Spousal Highest Daily Lifetime Income Benefit ("SHDI") is no longer available for new election.

Guarantee

Until the first lifetime withdrawal the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 5% annually plus the amount of any purchase payments made; or
  2. The Account Value.

If the benefit is in effect on the 12th Anniversary and no lifetime withdrawals have been taken the PWV is guaranteed to be at least;

  1. 200% of the account value at benefit election; plus
  2. 200% of all purchase payments made during the one-year period after the date the benefit was elected; plus
  3. 100% of purchase payments made thereafter up to the date of the first lifetime withdrawal.

Investment Restrictions

As long as the SHDI Income Benefit is in effect, the Account Value must be allocated in accordance with the then permitted and available option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. A cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

The SHDI withdrawal percentage initially depends on the age of the youngest Designated Life on the date of the first withdrawal.

Age Percentage
45 - 54 2.5%
55 to less than 59½ 3.5%
59½ - 84 4.5%
85 and older 5.5%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs).

  • Any systematic withdrawal will be deemed a Lifetime Withdrawal under this benefit.
  • A one-time Non-Lifetime Withdrawal is permitted from the Annuity prior to taking Lifetime Withdrawals under the SHDI benefit and will reduce the PWV. Non-Lifetime withdrawals reduce the AIA proportionally.
  • Withdrawals under the SHDI benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Daily Auto Step-Up") is included as part of this benefit. The Highest Daily Auto Step-Up feature can result in a larger Annual Income Amount if the highest daily account value for that annuity year, multiplied by applicable withdrawal percentage results in a higher Annual Income Amount. If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current charge is 0.95% of the greater of Account Value and the Protected Withdrawal Value. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account and the DCA Fixed Rate Option (if applicable).

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of death of the second Designated Life. The benefit may also terminate if upon the death of the first Designated Life, the surviving Designated Life decides to take the death benefit under the Annuity or if the surviving spouse is not an eligible designated life. The benefit may be terminated at any time by the owner notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

The Basic Death Benefit will terminate and certain optional Death Benefits may terminate, if withdrawals taken under the SHDI benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
Limit of 50K if received after the 1st benefit anniversary in each benefit year

HDI 2.0

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year equal to a percentage of an initial principle value called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Highest Daily Lifetime Income Benefit 2.0 ("HDI 2.0") is no longer available for new election.

Guarantee

Until the first lifetime withdrawal the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 5% annually plus the amount of any purchase payments made; or
  2. The Account Value.

If the benefit is in effect on the 12th Anniversary and no lifetime withdrawals have been taken the PWV is guaranteed to be at least;

  1. 200% of the account value at benefit election; plus
  2. 200% of all purchase payments made during the one-year period after the date the benefit was elected; plus
  3. 100% of purchase payments made thereafter up to the date of the first withdrawal.

Investment Restrictions

As long as your HDI 2.0 benefit is in effect, you must allocate your Account Value in accordance with the then-permitted and available investment option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. A 90% cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

The HDI 2.0 withdrawal percentage is based on the age of the Annuitant on the date of the first withdrawal.

Age Percentage
50 - 54 3%
55 - 64 4%
65 - 84 5%
85 and older 6%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs).

  • Any systematic withdrawal will be deemed a Lifetime Withdrawal under this benefit.
  • A one-time Non-Lifetime Withdrawal is permitted from your Annuity prior to taking Lifetime Withdrawals under the HDI2.0 benefit. Non-Lifetime withdrawals reduce the AIA proportionally
  • Withdrawals under the HDI2.0 benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Daily Auto Step-Up") is included as part of this benefit. The Highest Daily Auto Step-Up feature can result in a larger Annual Income Amount if the highest daily account value for that annuity year, multiplied by applicable withdrawal percentage results in a higher Annual Income Amount. If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current charge is 1.00% of the greater of Account Value and the Protected Withdrawal Value. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account and the DCA Fixed Rate Option (if applicable).

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of the death of the Annuitant. The benefit may also be terminated at any time by notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective. If a surviving spouse elects to continue the Annuity, the HDI 2.0 benefit terminates.

Death Benefit

Basic Death Benefit
The basic death benefit (The greater of purchase payments less proportional withdrawals, or the account value)

Highest Daily Death Benefit (HD DB)
Greater of; Account Value or Highest Daily Death Benefit Amount plus purchase payments reduced by the effect of withdrawals. The HD DB is payable until Guarantee Payments begin under the HDIv2.0 with HD DB benefit or annuity payments begin. The income benefit under HDI 2.0 with HD DB has a current annual charge of 1.50%.

In New York, the HD Lifetime Income benefits with Highest Annual Death Benefit (HA DB) are available. The income benefit under HDI 2.0 with HA DB has a current annual charge of 1.40%. HD DB is not available in New York. Please refer to the prospectus for complete details on all benefit charges and election options.

The Basic Death Benefit will terminate and certain optional Death Benefits may terminate, if withdrawals taken under the HDI 2.0 benefit cause the Account Value to reduce to zero.

Additional Features

Lifetime Income Accelerator: An optional feature available withHDI 2.0 that will double the annual income, should certain conditions be met regardless of whether the designated life is living at home or in a Qualified Nursing Facility. Subject to eligibility of both a waiting period of 36 months, and an elimination period of 120 days. The waiting period and the elimination period may run concurrently. The income benefit under HDI 2.0 with LIA has a current annual charge of 1.50%.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.
HDI v2.0 with LIA - After first benefit year annual cap cannot exceed total first year investments

Spousal HDI 2.0

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year equal to a percentage of an initial principle value called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Spousal Highest Daily Lifetime Income Benefit 2.0 ("SHDI 2.0") is no longer available for new election.

Guarantee

Until the first lifetime withdrawal the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 5% annually plus the amount of any purchase payments made; or
  2. The Account Value.

If the benefit is in effect on the 12th Anniversary and no lifetime withdrawals have been taken the PWV is guaranteed to be at least;

  1. 200% of the account value at benefit election; plus
  2. 200% of all purchase payments made during the one-year period after the date the benefit was elected; plus
  3. 100% of purchase payments made thereafter up to the date of the first withdrawal.

Investment Restrictions

As long as your SHDI 2.0 benefit is in effect, you must allocate your Account Value in accordance with the then-permitted and available investment option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. A 90% cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

The SHDI 2.0 withdrawal percentage initially depends on the age of the youngest Designated Life on the date of the first withdrawal.

Age Percentage
50 - 54 2.5%
55 - 64 3.5%
65 - 84 4.5%
85 and older 5.5%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs).

  • Any systematic withdrawal will be deemed a Lifetime Withdrawal under this benefit.
  • A one-time Non-Lifetime Withdrawal is permitted from your Annuity prior to taking Lifetime Withdrawals under the SHDI2.0 benefit. . Non-Lifetime withdrawals reduce the AIA proportionally.
  • Withdrawals under the SHDI2.0 benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Daily Auto Step-Up") is included as part of this benefit. The Highest Daily Auto Step-Up feature can result in a larger Annual Income Amount if the highest daily account value for that annuity year, multiplied by applicable withdrawal percentage results in a higher Annual Income Amount. If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current charge is 1.10% of the greater of Account Value and the Protected Withdrawal Value. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account and the DCA Fixed Rate Option (if applicable).

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of death of the second Designated Life. The benefit may also terminate if upon the death of the first Designated Life, the surviving Designated Life decides to take the death benefit under the Annuity or if the surviving spouse is not an eligible designated life. The benefit may be terminated at any time by the owner notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

Basic Death Benefit
The basic death benefit (The greater of purchase payments less proportional withdrawals, or the account value)

Highest Daily Death Benefit (HD DB)
Lock in the highest daily account value for the purpose of providing a death benefit. The income benefit under SHDI 2.0 with HD DB has a current annual charge of 1.60%.

In New York, the HD Lifetime Income benefits with Highest Annual Death Benefit (HA DB) are available. The income benefit under HDI 2.0 with HA DB has a current annual charge of 1.50%. HD DB is not available in New York. Please refer to the prospectus for complete details on all benefit charges and election options.

The Basic Death Benefit will terminate and certain optional Death Benefits may terminate, if withdrawals taken under the HDI 2.0 benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

HDI v2.1

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year equal to a percentage of an initial principle value called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Highest Daily Lifetime Income Benefit v2.1 ("HDI v2.1") is available only for inforce contracts issued prior to 02/10/2014 (03/24/2014 in CA) where clients meet benefit eligibility rules.

Guarantee

Until the earlier of the first withdrawal or the Tenth Anniversary of the election of the benefit the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 5% annually plus the amount of any purchase payments made; or
  2. The Account Value.

After the Tenth Anniversary of the election of the benefit the PWV is equal to the greater of:

  1. The PWV plus the amount of any purchase payments made; or
  2. The Account Value

Investment Restrictions

As long as your HDI v2.1 benefit is in effect, you must allocate your Account Value in accordance with the then-permitted and available investment option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. A 90% cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

The HDI v2.1 withdrawal percentage is based on the age of the Annuitant on the date of the first withdrawal.

Age Percentage
50 - 54 3.0%
55 to less than 59½ 3.5%
59½ - 64 4.0%
65 - 69 4.5%
70 - 84 5.0%
85 and older 6.0%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs).

  • Any systematic withdrawal will be deemed a Lifetime Withdrawal under this benefit.
  • A one-time Non-Lifetime Withdrawal is permitted from your Annuity prior to taking Lifetime Withdrawals under the HDI v2.1 benefit. Non-Lifetime withdrawals reduce the AIA proportionally.
  • Withdrawals under the HDI v 2.1 benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Daily Auto Step-Up") is included as part of this benefit. The Highest Daily Auto Step-Up feature can result in a larger Annual Income Amount if the highest daily account value for that annuity year, multiplied by applicable withdrawal percentage results in a higher Annual Income Amount. If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current charge is 1.00% of the greater of Account Value and the Protected Withdrawal Value. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account and the DCA Fixed Rate Option (if applicable).

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of the death of the Annuitant. The benefit may also be terminated at any time by notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective. If a surviving spouse elects to continue the Annuity, the HDI v2.1 benefit terminates.

Death Benefit

Basic Death Benefit
The basic death benefit (The greater of purchase payments less proportional withdrawals, or the account value)

Highest Daily Death Benefit (HD DB)
Greater of; Account Value or Highest Daily Death Benefit Amount plus purchase payments reduced by the effect of withdrawals. The HD DB is payable until Guarantee Payments begin under the HDIv2.1 with HD DB benefit or annuity payments begin.The current charge for the HDIv2.1 with HD DB benefit is 1.50%.

In New York, the HD Lifetime Income benefits with Highest Annual Death Benefit (HA DB) are available. The income benefit under HDI 2.1 with HA DB has a current annual charge of 1.40%. HD DB is not available in New York. Please refer to the prospectus for complete details on all benefit charges and election options.

The Basic Death Benefit will terminate and certain optional Death Benefits may terminate, if withdrawals taken under the HDI v2.1 benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

Spousal HDI v2.1

Key Features

An optional benefit, for an additional cost, that guarantees the ability to withdraw an Annual Income Amount ("AIA") each year equal to a percentage of an initial principle value called the Protected Withdrawal Value ("PWV"). The income amounts are guaranteed, regardless of the impact of market performance on the Account Value, subject to Prudential's rules regarding the timing and amount of withdrawals.

The Spousal Highest Daily Lifetime Income Benefit v2.1 ("SHDI v2.1") is available only for inforce contracts issued prior to 02/10/2014 (03/24/2014 in CA) where clients meet benefit eligibility rules.

Guarantee

Until the earlier of the first withdrawal or the Tenth Anniversary of the election of the benefit the PWV is equal to the greater of:

  1. The highest daily account value appreciated at the daily equivalent of 5% annually plus the amount of any purchase payments made; or
  2. The Account Value.

After the Tenth Anniversary of the election of the benefit the PWV is equal to the greater of:

  1. The PWV plus the amount of any purchase payments made; or
  2. The Account Value

Investment Restrictions

As long as your SHDI v2.1 benefit is in effect, you must allocate your Account Value in accordance with the then-permitted and available investment option(s) with this benefit.

Pre-determined Mathematical Formula

This benefit uses the pre-determined mathematical formula to determine transfers of account value between the permitted sub-accounts and the AST Investment Grade Bond Portfolio. A 90% cap is built into the formula that prevents more than 90% of the account value from being transferred to the bond fund.

Withdrawals

The SHDI v2.1 withdrawal percentage initially depends on the age of the youngest Designated Life on the date of the first withdrawal.

Age Percentage
50 - 54 2.5%
55 to less than 59½ 3.0%
59½ - 64 3.5%
65 - 69 4.0%
70 - 84 4.5%
85 and older 5.5%

If the cumulative withdrawals are in excess of the AIA ("Excess Income"), the AIA in subsequent years will be reduced proportionally thereafter (except with regard to required minimum distributions that we calculated and administered through one of our programs).

  • Any systematic withdrawal will be deemed a Lifetime Withdrawal under this benefit.
  • A one-time Non-Lifetime Withdrawal is permitted from your Annuity prior to taking Lifetime Withdrawals under the SHDI v2.1 benefit. Non-Lifetime withdrawals reduce the AIA proportionally.
  • Withdrawals under the SHDI v 2.1 benefit are subject to all of the terms and conditions of the Annuity, including any CDSC that may apply.

Step-Ups

An automatic step-up feature ("Highest Daily Auto Step-Up") is included as part of this benefit. The Highest Daily Auto Step-Up feature can result in a larger Annual Income Amount if the highest daily account value for that annuity year, multiplied by applicable withdrawal percentage results in a higher Annual Income Amount. If a Systematic Withdrawal program is established, Prudential will not automatically increase the withdrawal amount when there is an increase to the Annual Income Amount.

Annual Benefit Charge

The current charge is 1.10% of the greater of Account Value and the Protected Withdrawal Value. The fee is deducted on a quarterly basis pro rata from each of the Sub-accounts in which the client is invested, including the AST Investment Grade Bond Portfolio Sub-account and the DCA Fixed Rate Option (if applicable).

Benefit Termination

The benefit terminates upon the surrender of the Annuity or upon due proof of death of the second Designated Life. The benefit may also terminate if upon the death of the first Designated Life, the surviving Designated Life decides to take the death benefit under the Annuity or if the surviving spouse is not an eligible designated life. The benefit may be terminated at any time by the owner notifying Prudential. If the benefit is terminated any guarantee provided by the benefit will terminate as of the date the termination is effective.

Death Benefit

Basic Death Benefit
The basic death benefit (The greater of purchase payments less proportional withdrawals, or the account value)

Spousal Highest Daily Death Benefit (HD DB)
Greater of; Account Value or Highest Daily Death Benefit Amount plus purchase payments reduced by the effect of withdrawals. The HD DB is payable until Guarantee Payments begin under the HDIv2.1 with HD DB benefit or annuity payments begin. The current charge for the SHDIv2.1 with HD DB benefit is 1.60%.

In New York, the HD Lifetime Income benefits with Highest Annual Death Benefit (HA DB) are available. The current charge for the SHDIv2.1 with HA DB benefit is 1.50%. HD DB is not available in New York. Please refer to the prospectus for complete details on all benefit charges and election options.

The Basic Death Benefit will terminate and certain optional Death Benefits may terminate, if withdrawals taken under the SHDI v2.1 benefit cause the Account Value to reduce to zero.

Additional Purchase Payments

Subject to jumbo limits
Permitted, subject to all applicable terms and conditions.

 

Footnote

1State Variations where Sub-Pays allowed:
FL:
HD5; Advance Series Products. Premier B, L, X, Bb, SPAO 3, SP Plus 3, SP Flex Elite II
NJ: HD5, HD7\SHD7, HD7 Plus\SHD7 Plus; SPAO 3, SP Plus 3, SP Flex Elite II
OR: HD6 Plus\SHD6 Plus\HD6 Plus with LIA; Premier Retirement Series B, L, X, C, HDI Suite, Premier Retirement Series B, L, X, C, Premier Retirement Variable Annuity, Premier Advisor

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Annuities

Premier Retirement L Series

Client feature

Clients who are approaching retirement or who may have changing retirement needs

Liquidity

Up to 10% of purchase payments (non-cumulative) per year for the first 4 years

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $100

Annualized Fees and Charges

App signed on or after 2/25/2013
1.90% years 1-9
1.45% years 10+

App signed prior to 2/25/2013
1.70% years 1-9
1.30% years 10+

Annual Maintenance Fee

Lesser of $50 ($30 in NY) or 2% of unadjusted account value.

Waived for purchase payments totaling $100,000 or higher.

Maximum Issue Age
Except where otherwise required by law

85

Maximum Annuitization Age
Except where otherwise required by law

95
Annuity payments must begin no later than the first day of the calendar month following the oldest of all owner(s) and annuitant's 95th birthday. Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

4 Years - 7%, 7%, 6%, 5%

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments less proportional withdrawals or the unadjusted account value

Premier Retirement X Series

Client feature

For clients who want an immediate payment enhancement or a head start in saving for retirement.

6% purchase credit (3% for ages 82-85) available on all purchase payments made in years 1-4

Liquidity

Up to 10% of purchase payments (non-cumulative) per year for the first 9 years

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $100

Annualized Fees and Charges

1.85% years 1-9
1.30% years 10+

Annual Maintenance Fee

Lesser of $50 ($30 in NY) or 2% of unadjusted account value.

Waived for purchase payments totaling $100,000 or higher.

Maximum Issue Age
Except where otherwise required by law

80

Maximum Annuitization Age
Except where otherwise required by law

95
Annuity payments must begin no later than the first day of the calendar month following the oldest of all owner(s) and annuitant's 95th birthday. Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

9 Years - 9%, 9%, 9%, 9%, 8%, 8%, 8%, 5%, 2.5%

Purchase Credit
Certain restrictions may apply

Age 81 and younger; 6% purchase credit in contract years 1-4
Ages 82-85; 3% purchase credit in contract years 1-4

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments less proportional withdrawals or unadjusted account value

Minimum death benefits exclude all purchase credits applied within 12 months prior to the date of death (recapture of purchase credits not applicable in certain states)

Prudential Income Annuity

Client feature

For clients who need a combination of payment flexibility and guaranteed income.

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

$3,500

Payout Options

Designated period annuity - Guarantees payments for a specific amount of time, from one year to 40 years.

Life annuity - Guarantees payments for life.

Life annuity with designated period - Provides periodic income for life, in addition to guaranteed payments for a designated period of up to 40 years.

Life annuity with installment refund - Provides income payments for life, with a guaranteed payout of at least as much as was paid for the contract.

Joint and survivor life annuity - Provides income payments for the lifetime of two annuitants. Upon the death of the first annuitant, payments will continue during the life of the survivor at 100% of the original benefit, or at a reduced selected percentage. This type of annuity is also available with a designated period or installment refund

Income Flexibility

Income payments can start any time up to 20 years after the purchase of the contract (or one year from purchase of the contract if owner is age 70 or above)

Choice of convenient payout frequencies: monthly, quarterly, semiannually, or annually.

Continued Payments to the Beneficiary

For contracts where payments have begun - If one or both annuitants die after payments begin and within the designated period or installment refund period, payments will continue to the named beneficiary.

For Contracts with deferred payments - If the first payment has been deferred beyond one year, and one or both annuitants die before payments begin, the beneficiary receives the greater of:
The present value of the designated period payments
OR
The purchase payment with interest credited beginning one year from the contract date, and until the date of payment.

Prudential Premier B Series Variable Annuity

Client feature

Great investor value with lower insurance charges

Liquidity

Up to 10% of purchase payment (non-cumulative) per year for the first 7 years

Minimum Purchase Payments*
The ability to make subsequent purchase payments may vary

Initial: $1,000
Subsequent: $100

Annualized Fees and Charges

1.15%

Annual Maintenance Fee

Lesser of $35 or 2% of account value
Waived if the account value is $100,000 or higher.

Maximum Issue Age
Except where otherwise required by law

85

Maximum Annuitization Age
Except where otherwise required by law

95

Issued prior to 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the annuitant's 95th birthday.

Issued after 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the oldest of all owner(s) or annuitant's 95th birthday. Certain restrictions may apply. Please see the prospectus for details

Contingent Deferred Sales Charge (CDSC)

7 Years declining - 7%, 6%, 5%, 4%, 3%, 2%, 1%

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments, less proportional withdrawals, or the unadjusted account value

Prudential Premier B Series NY Variable Annuity

Client feature

Great investor value with lower insurance charges

Liquidity

Up to 10% of purchase payment (non-cumulative) per year for the first 7 years after

Minimum Purchase Payments*
The ability to make subsequent purchase payments may vary

Initial: $1,000
Subsequent: $100

Annualized Fees and Charges

1.15%

Annual Maintenance Fee

Lesser of $30 or 2% of account value.
Waived if the account value is $100,000 or higher.

Maximum Issue Age
Except where otherwise required by law

85

Maximum Annuitization Age
Except where otherwise required by law

95

Issued prior to 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the annuitant's 95th birthday.

Issued after 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the oldest of all owner(s) or annuitant's 95th birthday.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

7 Years declining - 7%, 6%, 5%, 4%, 3%, 2%, 1%

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments, less proportional withdrawals, or the unadjusted account value

Prudential Premier X Series Variable Annuity

Client feature

6% purchase credit available on all purchase payments (up to age 80) Credits applicable may vary based on when the contract was issued.

3% credit on all purchase payments (ages 81 to 85)

Liquidity

Up to 10% of purchase payments (non-cumulative) per year for the first 9 years

Minimum Purchase Payments*
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $100

Annualized Fees and Charges

1.55%

Annual Maintenance Fee

Lesser of $35 or 2% of account value
Waived if the account value is $100,000 or higher.

Maximum Issue Age
Except where otherwise required by law

75

Maximum Annuitization Age
Except where otherwise required by law

95

Issued prior to 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the annuitant's 95th birthday.

Issued after 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the oldest of all owner(s) or annuitant's 95th birthday.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

9 Years declining - 9%, 8.5%, 8%, 7%, 6%, 5%, 4%, 3%, 2%

Longevity Credit

0.40% of all purchase payments more than 9 years old (less any withdrawals) applied annually beginning on the 10th annuity anniversary

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments minus proportional withdrawals; or unadjusted account value (less any credits applied during the period beginning 12 months prior to the date of death and ending on the due proof of death).

Prudential Premier X Series NY Variable Annuity

Client feature

6% purchase credit available on all purchase payments (up to age 80). Credits applicable may vary based on when the contract was issued.

3% credit on all purchase payments (ages 81 to 85)

Liquidity

Up to 10% of purchase payments (non-cumulative) per year for the first 9 years

Minimum Purchase Payments*
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $100

Annualized Fees and Charges

1.55%

Annual Maintenance Fee

Lesser of $35 or 2% of account value
Waived if the account value is $100,000 or higher.

Maximum Issue Age
Except where otherwise required by law

75

Maximum Annuitization Age
Except where otherwise required by law

95

Issued prior to 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the annuitant's 95th birthday.

Issued after 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the oldest of all owner(s) or annuitant's 95th birthday.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

9 Years declining - 9%, 8.5%, 8%, 7%, 6%, 5%, 4%, 3%, 2%

Longevity Credit

0.40% of all purchase payments more than 9 years old (less any withdrawals) applied annually beginning on the 10th annuity anniversary

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments minus proportional withdrawals; or unadjusted account value (less any credits applied during the period beginning 12 months prior to the date of death and ending on the due proof of death).

Prudential Premier L Series Variable Annuity

Liquidity

Up to 10% of purchase payment (non-cumulative) per year for the first 4 years.

Minimum Purchase Payments*
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $100

Annualized Fees and Charges

1.50%

Annual Maintenance Fee

Lesser of $35 or 2% of account value
Waived if the account value is $100,000 or higher.

Maximum Issue Age
Except where otherwise required by law

85

Maximum Annuitization Age
Except where otherwise required by law

95

Issued prior to 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the annuitant's 95th birthday.

Issued after 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the oldest of all owner(s) or annuitant's 95th birthday.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

4 Years - 7%, 7%, 6%, 5%

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments, less proportional withdrawals or the unadjusted account value.

Prudential Premier L Series NY Variable Annuity

Liquidity

Up to 10% of purchase payment (non-cumulative) per year for the first 4 years.

Minimum Purchase Payments*
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $100

Annualized Fees and Charges

1.50%

Annual Maintenance Fee

Lesser of $30 or 2% of account value
Waived if the account value is $100,000 or higher.

Maximum Issue Age
Except where otherwise required by law

85

Maximum Annuitization Age
Except where otherwise required by law

95

Issued prior to 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the annuitant's 95th birthday.

Issued after 11/20/2006: Annuity payments must begin no later than the first day of the calendar month following the oldest of all owner(s) or annuitant's 95th birthday.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

4 Years - 7%, 6%, 5%, 4%

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments, less proportional withdrawals or the unadjusted account value.

Optional Purchase Payment Fixed Annuity

Guaranteed Interest Rate

The declared interest rate is good for one year.

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $25
Subsequent: $25

Annualized Maintanence Fee

For contracts issued prior to 3/14/1985 - $10.00
For contracts issued on or after 3/15/1985 - $25.00

Waived if contract value is greater than $5,000

Maximum Issue Age
Except where otherwise required by law

68
May be sold to age 80 with the minimum distribution option or other appropriate IRS election.

Maximum Annuitization Age
Except where otherwise required by law

90
Annuity payments must begin no later than the contract anniversary following the annuitants 90th birthday. Certain restrictions may apply.

Contingent Deferred Sales Charge (CDSC)

The applicable CDSC period varied and was based on the clients age and state availability at the time the annuity was purchased. All contracts are outside of their applicable CDSC period.

Base Death Benefit
Death benefit protection terminates upon contract annuitization

Equal to the contract value on the date of death.

Advisors Choice 2000 Variable Annuity

Client feature

Designed specifically for use with a Registered Investment Advisor. Fixed allocations available. Market value adjustment may apply

Liquidity

100% of account value is free of CDSC

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $5,000
Subsequent: $100

Annualized Fees and Charges

0.65%

Distribution Charge

None

Annual Maintenance Fee

Lesser of $35 or 2% of account value
Waived if account value is $50,000 or higher

Maximum Issue Age
Except where otherwise required by law

No maximum

Maximum Annuitization Age
Except where otherwise required by law

Annuities issued prior to 11/20/2006:In the absence of an election in writing: the Annuity Date is the first day of the calendar month first following the later of the annuitant's 85th birthday or the fifth anniversary.

Annuities issued on or after 11/20/2006: Annuity date must be no later than the 1st day of the month coinciding with or next following the later of the oldest owners or annuitant's 95th birthday, whichever occurs 1st, and the 5th anniversary of the issue date.
Certain restrictions may apply. Please see the prospectus for details

Contingent Deferred Sales Charge (CDSC)

None

Base Death Benefit
Death benefit protection terminates upon contract annuitization

Prior to age 85, the greater of account value (variable) plus interim value (fixed); or purchase payments minus withdrawalsOn or after age 85: account value; fixed allocations are subject to a market value adjustment.

Advisors Choice 2000 NY Variable Annuity

Client feature

Designed specifically for use with a Registered Investment Advisor. Fixed allocations available. Market value adjustment may apply

Liquidity

100% of account value is free of CDSC

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $5,000
Subsequent: $100

Annualized Fees and Charges

0.65%

Distribution Charge

None

Annual Maintenance Fee

Lesser of $30 or 2% of account value
Waived if account value is $50,000 or higher

Maximum Issue Age
Except where otherwise required by law

None (Owner), 85 (Annuitant)

Maximum Annuitization Age
Except where otherwise required by law

Annuities issued prior to 11/20/2006: The Annuity Date may not exceed the first day of the month following the Annuitant's 90th birthday.

 Annuities issued on or after 11/20/2006: The Annuity Date may not exceed the first day of the month following the later of the oldest owners or annuitant's 90th birthday, whichever occurs first.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

None

Base Death Benefit
Death benefit protection terminates upon contract annuitization

Prior to age 85, the greater of purchase payments less withdrawals, or account value (variable) plus interim value (fixed)On or after age 85: account value; fixed allocations are subject to a market value adjustment.

ASAP II Variable Annuity

Liquidity

For annuities issued on or after May 1, 1996 – up to 10% of purchase payment (cumulative up to 50%) per year for the first 7 years
For annuities issued before May 1, 1996 – up to 10% of purchase payments (cumulative up to 35%) per year for the first 7 years

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $1,000
Subsequent: $100

Annualized Fees and Charges

1.40%

Distribution Charge

None

Annual Maintenance Fee

Lesser of $30 or 2% of account value

Maximum Issue Age
Except where otherwise required by law

No maximum

Maximum Annuitization Age
Except where otherwise required by law

In the absence of an election in writing: the Annuity Date is the first day of the calendar month following the later of the Annuitant's 85th birthday or the fifth anniversary.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

7 Years declining – 7.5%, 7.0%, 6.0%, 5.0%, 4.0%, 3.0%, 2.0%

Base Death Benefit
Death benefit protection terminates upon contract annuitization

Prior to age 90, the greater of purchase payments less withdrawals, or account value (variable) plus interim value (fixed). On or after age 90: account value, fixed allocations are subject to a market value adjustment

ASAP II NY Variable Annuity

Liquidity

Up to 10% of purchase payment (cumulative up to 50%) per year for the first 7 years

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $1,000
Subsequent: $100

Annualized Fees and Charges

1.40%

Distribution Charge

None

Annual Maintenance Fee

Lesser of $30 or 2% of account value

Maximum Issue Age
Except where otherwise required by law

None (Owner), 85 (Annuitant)

Maximum Annuitization Age
Except where otherwise required by law

The Annuity Date may not exceed the first day of the month following the Annuitant's 90th birthday.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

7 Years declining – 7%, 6%, 5%, 4%, 3%, 2%, 1%

Base Death Benefit
Death benefit protection terminates upon contract annuitization

Prior to age 90, the greater of purchase payments less withdrawals, or account value (variable) plus interim value (fixed). On or after age 90: account value, fixed allocations are subject to a market value adjustment

ASAP III Variable Annuity

Client feature

Lower-cost traditional variable annuity. Fixed allocations available. Market value adjustment may apply.

Liquidity

Up to 10% of purchase payment (non-cumulative) per year for the first 8 years

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $1,000
Subsequent: $100

Annualized Fees and Charges

0.65%

Distribution Charge

0.60% applied in Annuity Years 1-8

Annual Maintenance Fee

Lesser of $35 or 2% of account value
Waived if account value is $100,000 or higher

Maximum Issue Age
Except where otherwise required by law

80

Maximum Annuitization Age
Except where otherwise required by law

Annuities issued prior to 11/20/2006: In the absence of an election in writing: the Annuity Date is the first day of the calendar month following the later of the Annuitant's 85th birthday or the fifth anniversary.

Annuities issued on or after 11/20/2006: Annuity date must be no later than the 1st day of the month coinciding with or next following the later of the oldest owners or annuitant's 95th birthday, whichever occurs 1st, and the 5th anniversary of the issue date.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

8 Years declining - 7.5%, 7.0%, 6.5%, 6.0%, 5.0%, 4.0%, 3.0%, 2.0%

Loyalty Credits

For annuities issued on or after 2/13/2006 we apply a 0.50% loyalty credit at the end of the fifth Annuity year. Please see the prospectus for more information.

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments less proportional withdrawals, or account value (variable) plus interim value (fixed)

ASAP III NY Variable Annuity

Client feature

Lower-cost traditional variable annuity. Fixed allocations are available. Market value adjustment may apply.

Liquidity

Up to 10% of purchase payment (non-cumulative) per year for the first 7 years

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $1,000
Subsequent: $100

Annualized Fees and Charges

0.65%

Distribution Charge

0.60% applied in Annuity Years 1-8

Annual Maintenance Fee

Lesser of $30 or 2% of account value
Waived if account value is $100,000 or higher

Maximum Issue Age
Except where otherwise required by law

80 (Owner), 85 (Annuitant)

Maximum Annuitization Age
Except where otherwise required by law

Annuities issued prior to 11/20/2006: The Annuity Date may not exceed the first day of the month following the Annuitant's 90th birthday.

Annuities issued on or after 11/20/2006: The Annuity Date may not exceed the first day of the month following the later of the oldest owners or annuitant's 90th birthday, whichever occurs first.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

7 Years declining - 7%, 6.0%, 5.0%, 4.0%, 3.0%, 2.0%, 1.0%

Loyalty Credits

For contracts issued on or after 2/13/2006, we apply a 0.50% loyalty credit - at the end of the fifth annuity year
Please see the prospectus for more information.

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments less the sum of all proportional withdrawals, or account value (variable) plus interim value (fixed)

ASL II Variable Annuity

Client feature

Offers liquidity. Fixed allocations available. Market value adjustment may apply.

Liquidity

100% of account value is free of CDSC

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $15,000
Subsequent: $100

Annualized Fees and Charges

1.65%

Distribution Charge

None

Annual Maintenance Fee

Lesser of $35 or 2% of account value
Waived if account value is $100,000 or higher

Maximum Issue Age
Except where otherwise required by law

For contracts issued prior to 7/21/2008 (subject to state approval):
None

For contracts issued on or after 7/21/2008 (subject to state approval):
85 - Based on oldest owner, or if entity owned, based on age of annuitant.

Maximum Annuitization Age
Except where otherwise required by law

Annuities issued prior to 11/20/2006:In the absence of an election in writing: the Annuity Date is the first day of the calendar month first following the later of the Annuitant's 85th birthday or the fifth anniversary.

Annuities issued on or after 11/20/2006: Annuity date must be no later than the 1st day of the month coinciding with or next following the later of the oldest owners or annuitant's 95th birthday, whichever occurs 1st, and the 5th anniversary of the issue date.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

None

Base Death Benefit
Death benefit protection terminates upon contract annuitization

In approved states effective 7/21/2008:
The greater of purchase payments less proportional withdrawals, or account value (variable) plus interim value (fixed)In the remaining states:
Prior to age 85, the greater of purchase payments less proportional withdrawals, or account value (variable) plus interim value (fixed)

On or after age 85: account value

ASL II NY Variable Annuity

Client feature

Offers liquidity. Fixed allocations available. Market value adjustment may apply.

Liquidity

100% of account value is free of CDSC

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $15,000
Subsequent: $100

Annualized Fees and Charges

1.65%

Distribution Charge

None

Annual Maintenance Fee

Lesser of $30 or 2% of account value
Waived if account value is $100,000 or higher

Maximum Issue Age
Except where otherwise required by law

For contracts issued prior to 7/21/2008:
None (Owner), 85 (Annuitant)

For contracts issued on or after 7/21/2008:
85 (owner & annuitant)

Maximum Annuitization Age
Except where otherwise required by law

Annuities issued prior to 11/20/2006:
The Annuity Date may not exceed the first day of the month following the Annuitant's 90th birthday.

 Annuities issued on or after 11/20/2006: The Annuity Date may not exceed the first day of the month following the later of the oldest owners or annuitant's 90th birthday, whichever occurs first.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

None

Base Death Benefit
Death benefit protection terminates upon contract annuitization

In approved states:
For contracts issued prior to 7/21/2008:
Prior to age 85, the greater of purchase payments minus withdrawals or account value (variable) plus interim value (fixed). Age 85 or older, account value (variable) plus interim value (fixed)

For contracts issued on or after 7/21/2008:
The greater of purchase payments minus withdrawals or account value (variable) plus interim value (fixed)

APEX II Variable Annuity

Liquidity

Up to 10% of purchase payment (non-cumulative) per year for the first 4 years

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $100

Annualized Fees and Charges

1.65%

Distribution Charge

None

Annual Maintenance Fee

Lesser of $30 or 2% of account value
Waived if account value is $100,000 or higher

Maximum Issue Age
Except where otherwise required by law

85

Maximum Annuitization Age
Except where otherwise required by law

Annuities issued prior to 11/20/2006:
In the absence of an election in writing: the Annuity Date is the first day of the calendar month first following the later of the Annuitant's 85th birthday or the fifth anniversary.

Annuities issued on or after 11/20/2006:
Annuity date must be no later than the 1st day of the month coinciding with or next following the later of the oldest owners or annuitant's 95th birthday, whichever occurs 1st, and the 5th anniversary of the issue date.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

4 Years declining - 8.5%, 8%, 7%, 6%.

Loyalty Credits

For annuities issued between 6/20/2005 and 2/12/2006, we apply a 2.25% loyalty credit, applied at the end of the fifth annuity year.

For annuities issued on or after 2/13/2006, we apply a 2.75% loyalty credit, applied at the end of the fifth annuity year.

Please see the prospectus for more information on the loyalty credit.

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments less proportional withdrawals, or account value (variable) plus interim value (fixed)

APEX II NY Variable Annuity

Liquidity

Up to 10% of purchase payment (non-cumulative) per year for the first 4 years

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $100

Annualized Fees and Charges

1.65%

Distribution Charge

None

Annual Maintenance Fee

Lesser of $30 or 2% of account value
Waived if account value is $100,000 or higher

Maximum Issue Age
Except where otherwise required by law

85

Maximum Annuitization Age
Except where otherwise required by law

90

Annuities issued prior to 11/20/2006:
The Annuity Date may not exceed the first day of the month following the Annuitant's 90th birthday

Annuities issued on or after 11/20/2006:
The Annuity Date may not exceed the first day of the month following the later of the oldest owners or annuitant's 90th birthday, whichever occurs first.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

4 Years declining - 7%, 6%, 5%, 4%.

Loyalty Credits

For annuities issued between 6/20/2005 and 2/12/2006, we apply a 2.25% loyalty credit, applied at the end of the fifth annuity year. For annuities issued on or after 2/13/2006, we apply a 2.75% loyalty credit, applied at the end of the fifth annuity year.

Please see the prospectus for more information on the loyalty credit.

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments less the sum of all proportional withdrawals, or account value (variable) plus interim value (fixed).

XTra Credit SIX Variable Annuity

Client feature

6.50% up-front bonus issued on or after 2/13/2006 (subject to state availability) or 6% up-front bonus issued prior to 2/13/2006. Fixed allocations available. Market value adjustment may apply.

Liquidity

Up to 10% of purchase payment (non-cumulative) per year for the first 10 years

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $100

Annualized Fees and Charges

0.65%

Distribution Charge

1% applied during years 1-10

Annual Maintenance Fee

Lesser of $35 or 2% of account value

Maximum Issue Age
Except where otherwise required by law

75

Maximum Annuitization Age
Except where otherwise required by law

Annuities issued prior to 11/20/2006:
In the absence of an election in writing: the Annuity Date is the first day of the calendar month first following the later of the Annuitant's 85th birthday or the fifth anniversary.

Annuities issued on or after 11/20/2006:
Annuity date must be no later than the 1st day of the month coinciding with or next following the later of the oldest owners or annuitant's 95th birthday, whichever occurs 1st, and the 5th anniversary of the issue date.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

Contracts prior to 11/20/2006:
10 Year: 9%,9%, 8.5%, 8%, 7%, 6% 5%, 4%, 3%, 2%

Contracts on or after 11/20/2006:
10 Year: 9%,9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1% Subject to state approval

Purchase Credits
Certain restrictions may apply

Based on year purchase payments received
Year 1 - 6.5%; Year 2 - 5%; Year 3 - 4%; Year 4 - 3%; Year 5 - 2%; Year 6 - 1%

For annuities issued before February 13, 2006, the credit during Annuity Year 1 is 6.00%.

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments less proportional withdrawals, or account value (variable) plus interim value (fixed), less an amount equal to all credits applied within 12 months prior to the date of death

XTra Credit SIX NY Variable Annuity

Client feature

Issued on or after 2/13/2006: 6.5% up-front bonus
Issued prior to 2/13/2006: 6% up-front bonus

Liquidity

Up to 10% of purchase payment (non-cumulative) per year for the first 10 years

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $100

Annualized Fees and Charges

0.65%

Distribution Charge

1% applied during years 1-10

Annual Maintenance Fee

Lesser of $30 or 2% of account value

Maximum Issue Age
Except where otherwise required by law

75 (Owner), 85 (Annuitant)

Maximum Annuitization Age
Except where otherwise required by law

Annuities issued prior to 11/20/2006:
The Annuity Date may not exceed the first day of the month following the Annuitant's 90th birthday.

Annuities issued on or after 11/20/2006:
The Annuity Date may not exceed the first day of the month following the later of the oldest owners or annuitant's 90th birthday, whichever occurs first.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

Contracts issued on or after 8/27/07:
10 Years - 9%, 9%, 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%

Contracts issued prior to 8/27/07:
10 Years - 9%, 9%, 8.5%, 8%, 7%, 6%, 5%, 4%, 3%, 2%

Purchase Credits
Certain restrictions may apply

Based on year purchase payments received
Year 1 - 6.5%; Year 2 - 5%; Year 3 - 4%; Year 4 - 3%; Year 5 - 2%; Year 6 - 1%

For annuities issued before February 13, 2006, the credit during Annuity Year 1 is 6.00%.

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of purchase payments less proportional withdrawals, or account value (variable).

Strategic PartnersSM Advisor Variable Annuity

Liquidity

100% of account value is free of CDSC

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $1,000

Annualized Fees and Charges

1.40% (Basic death benefit)
1.65% (Enhanced death benefit)

Annual Maintenance Fee

Lesser of $30 or 2%
Waived if contract value is > $50,000

Maximum Issue Age
Except where otherwise required by law

85

Maximum Annuitization Age
Except where otherwise required by law

90

Contract anniversary coinciding with or next following the annuitant's 90th birthday. Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

None

Base Death Benefit
Death benefit protection terminates upon contract annuitization

Option 1 (Basic death benefit) - The greater of Return of Premiums or the Contract Value.

Basic Death Benefit: When due proof of death is received, the death benefit is the greater of:

  1. Contract Value
  2. Total purchase payments made proportionally reduced by withdrawals.

Option 2 (Enhanced death benefit) The greater of the 5% Roll-Up (200% cap), the Annual Step-Up, or the Contract Value Enhanced Death Benefit:

When due proof of death is received, the death benefit is the greater of:

  1. Contract Value
  2. Guaranteed Minimum Death Benefit

The Death Benefit is paid upon the death of the owner or last surviving owner if jointly owned. For entity owned contracts, death benefit is payable upon the death of the annuitant.

Strategic PartnersSM Annuity One 3 Variable Annuity

Liquidity

As of the beginning of the contract year, you may withdraw up to 10% of the total purchase payments plus any charge-free amount carried over from the previous contract year without charge.

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $500

Annualized Fees and Charges

1.40% without bonus; 1.50% with bonus

Annual Maintenance Fee

Lesser of $35 or 2%
Waived if contract value is $75,000 or higher

Maximum Issue Age
Except where otherwise required by law

85

Maximum Annuitization Age
Except where otherwise required by law

95

Contract anniversary following the annuitant's 95th birthday. Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

Without bonus - 7 Years declining - 7%, 6%, 5%, 4%, 3%, 2%, 1%
With bonus - 7 Years - 8%, 8%, 8%, 8%, 7%, 6%, 5%

Up-Front Bonus

Purchase Payment(s) Bonus
under $250,000: 4%
$250,000 to $999,999: 5%
$1,000,000 and over: 6%
3% bonus for all amounts if the issue age is 81-85.
Bonus applies to each purchase payment only if the bonus version is elected

Base Death Benefit
Death benefit protection terminates upon contract annuitization

Greater of current contract value or return of purchase payments, reduced proportionally for withdrawals.

Strategic PartnersSM FlexElite 2 Variable Annuity

Liquidity

As of the beginning of the contract year, you may withdraw up to 10% of the total purchase payments

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $500

Annualized Fees and Charges

1.65%

Annual Maintenance Fee

Lesser of $50 or 2%
Waived if contract value is $100,000 or higher

Maximum Issue Age
Except where otherwise required by law

85

Maximum Annuitization Age
Except where otherwise required by law

95

Annuity payments must begin no later than the contract anniversary following the 95th birthday of the oldest of all annuitants.
Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

3 Years - 7%, 7%, 7%

Credit

1% credit option on 3rd and 6th contract anniversaries with new withdrawal charge schedule

Base Death Benefit
Death benefit protection terminates upon contract annuitization

Greater of current contract value or return of purchase payments, reduced proportionally for withdrawals.

Strategic PartnersSM Select Variable Annuity

Liquidity

As of the beginning of the contract year, you may withdraw up to 10% of the total purchase payments plus any charge-free amount carried over from the previous contract year without charge.

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $500

Annualized Fees and Charges

1.52%

Annual Maintenance Fee

$30
Waived if contract value is $50,000 or higher

Maximum Issue Age
Except where otherwise required by law

85 (Non-qualified)
69 (Qualified) May be sold to age 80 with the minimum distribution option or other appropriate IRS election.

Maximum Annuitization Age
Except where otherwise required by law

90

The first contract anniversary after the annuitant's 90th birthday. Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

7 Year declining - 7%, 6%, 5%, 4%, 3%, 2%, 1%, 0%

Base Death Benefit
Death benefit protection terminates upon contract annuitization

If annuitant is under age 80 on the contract date the death benefit is the greater of the current contract value at appropriate due proof of death, and the guaranteed Minimum Death benefit.

If annuitant is older than 80 on the contract date, the death benefit is the greater of the current contract value at appropriate due proof of death and the total invest purchase payments reduced proportionally by withdrawals.

Strategic PartnersSM Horizon

Target Market

Clients who want principal protection and predictable earnings, regardless of market conditions

Rate Guarantee Periods
Only one guarantee period may be elected per contract. Rate is guaranteed only if held to maturity.

3, 5, 7, and 10 years
1-year guarantee period is available on renewals but not for initial purchase. Subsequent payments are not allowed in 1-year guarantee period.

Interest Rate Credit

An additional interest rate credit may be offered on 5, 7, and 10-year guarantee periods.

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $5,000
Subsequent: $1,000
Additional payments may only be made during the 30-day period prior to the end of a guarantee period.

Maximum Annuitization Age
Except where otherwise required by law

95

Annuity payments must begin no later than the contract anniversary following the annuitants 95th birthday. Certain restrictions may apply. Please see the prospectus for details.

Free Withdrawals
Per annuity year

After the first contract year - withdraw up to the interest earned over the previous contract year without a withdrawal charge or MVA.
Automated Withdrawals - withdraw a percentage or a flat dollar amount on a monthly, quarterly, semi-annual or annual basis.

Death Benefit
Death benefit protection terminates upon contract annuitization

Contract value on the date due proof of death of owner or joint owner is provided.

Prudential's Variable Investment Plan®

Liquidity

Earnings plus 10% of total contract value calculated as of the date of the first withdrawal made in that contract year. (non-cumulative)

Annualized Fees and Charges

1.20%

Annual Maintenance Fee

$30
Waived if the contract value is $10,000 or higher

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $1,000
Subsequent: $100

Maximum Issue Age
Except where otherwise required by law

85 (Non-qualified)
68 (Qualified) May be sold to age 80 with the minimum distribution option or other appropriate IRS election.

Maximum Annuitization Age
Except where otherwise required by law

90

First day of the month following the annuitant's 90th birthday.Qualified - No later than April 1st of the year following the calendar year in which the individual reaches age 70½. Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

8 Years declining - 8%, 7%, 6%, 5%, 4%, 3%, 2%, 1%

Purchase payments made after attained age 80 are subject to reduced surrendercharge percentages and periods

Up-Front Bonus

1% Bonus added to the value of the contract based on purchase payments made during the first three years of owning the contract.

-May be limited to $1,000 per contract year
-Recaptured if purchase payment withdrawn within eight contract anniversaries after purchase payment is made

Base Death Benefit
Death benefit protection terminates upon contract annuitization

Upon due proof of death-
If annuitant dies during the accumulation phase before age 65, the greater of:

a) Current contract or  b) Total of all Purchase Payments plus a bonus credited, reduced proportionately by withdrawals. If the annuitant is age 65 or older, the current value of the contract when due proof of death is received.

Discovery Choice Variable Annuity

Liquidity

100% of account value is free of CDSC

Annualized Fees and Charges

1.35% (Basic death benefit)
1.65% (Enhanced death benefit)

Annual Maintenance Fee

$30
Waived if the contract value is $50,000 or higher

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $1,000

Maximum Issue Age
Except where otherwise required by law

85 (Non-qualified)
69 (Qualified) May be sold to age 80 with the minimum distribution option or other appropriate IRS election.

Maximum Annuitization Age
Except where otherwise required by law

90

Payments must begin no later than the contract anniversary that follows the annuitant's 90th birthday. Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

None

Base Death Benefit
Death benefit protection terminates upon contract annuitization

Owner driven
Option 1 (Basic death benefit) - The greater of Return of Premiums or the Contract Value.

Option 2 (Enhanced death benefit) - The greater of the 5% Roll-Up (200% cap), the Annual Step-Up, or the Contract Value.

Discovery Classic® Fixed Annuity

Guaranteed Interest Rate

The declared interest rate is good for one year.

Additional Interest Rate
Not available in all states.

During the first contract year, all purchase payments are credited with an additional initial interest rate on top of the base interest rate. This additional initial interest rate is in effect for one year only.

Bailout Provision

If a future base interest rate for a particular segment is set below the "bailout" interest rate for that segment, the Interest Segment Value may be withdrawn without Withdrawal Charges, provided the withdrawal is made within 30 days after the new Base Interest Rate is set.

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $5,000
Subsequent: $2,000 ($1,000 for qualified contracts)

Maximum Issue Age
Except where otherwise required by law

85 for Non-qualified
(69 for Qualified)

Min Issue Age

None

Maximum Annuitization Age
Except where otherwise required by law

90

Payments must begin no later than the contract anniversary that follows the annuitant's 90th birthday. Certain restrictions may apply. Please see the prospectus for details.

Surrender Charges

6 years: 6%, 6%, 5%, 5%, 4%, 2%, 0%
Surrender schedules differ for annuitants aged 83-85

Free Withdrawals
Per annuity year

10% of the contract fund at the time of the first withdrawal in each contract year, unused charge free amounts do not carry over to the next contract year

Payout Options

Lifetime Income with 120 Payments Certain - Monthly payments for life with a minimum of 120 payments guaranteed.

Annuity Payments for a Fixed Period - Regular payments for a designated period up to 25 years.

Interest Payment Option - Receive the interest credited to the contract as income on a monthly or other basis while the principal stays intact. The interest rate is declared when the Interest Payment Option is selected. The rate will never be less than 3%.

Death Benefit
Death benefit protection terminates upon contract annuitization

Equal to the contract value at the time due proof of death is received in good order.

Discovery Select Variable Annuity

Liquidity

10% of the total purchase payments

Annualized Fees and Charges

1.40%

Annual Maintenance Fee

$30
Waived if the contract value is $50,000 or higher

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $1,000

Maximum Issue Age
Except where otherwise required by law

85 (Non-qualified)
69 (Qualified) May be sold to age 80 with the minimum distribution option or other appropriate IRS election.

Maximum Annuitization Age
Except where otherwise required by law

90

Annuity payments must begin no later than the calendar month first following the 90th birthday of the oldest of all annuitants. Certain restrictions may apply. Please see the prospectus for details.

Contingent Deferred Sales Charge (CDSC)

7 Years declining - 7%,6%,5%,4%,3%,2%,1%

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of the 5% Roll-Up (200% cap), the Annual Step-Up, or the Contract Value. If the annuitant was age 80 or older at issue, the greater of Contract Value or total Purchase Payments minus proportionally withdrawals.

Discovery Plus Variable Annuity

Liquidity

10% of purchase payment

Annualized Fees and Charges

1.20%

Annual Maintenance Fee

$30
Waived if the contract value is $10,000 or higher

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $1,000

Maximum Issue Age
Except where otherwise required by law

85 (Non-qualified)
68 (Qualified)

Maximum Annuitization Age
Except where otherwise required by law

90

Payments must begin no later than the contract anniversary coinciding with or next following the annuitant's 90th birthday. Certain restrictions may apply. Please see the prospectus for details

Contingent Deferred Sales Charge (CDSC)

6 Years declining - 7%, 7%, 7%, 6%, 5%, 4%,0%.

Up-Front Bonus or Longevity Credit

1% on each payment made during first three years. $1,000 limit per contract year. Subject to state variations.

Base Death Benefit
Death benefit protection terminates upon contract annuitization

The greater of:

  1. the current contract value as of the date Pruco receives a death certificate and claim form due proof of death is received in good order,
  2. or the "minimum proceeds" which is the total of all Purchase Payments plus any bonus credited, adjusted for withdrawals, or the contract value on the 6th year anniversary.

 

Discovery Preferred Variable Annuity

Liquidity

10% of the total purchase payments plus any charge-free amount carried over from the immediately preceding contract year without charge.

Annualized Fees and Charges

1.40%

Annual Maintenance Fee

$25
Waived if the contract value is $50,000 or higher

Minimum Purchase Payments
The ability to make subsequent purchase payments may vary

Initial: $10,000
Subsequent: $1,000

Maximum Issue Age
Except where otherwise required by law

85 - Non Qualified

69 - Qualified (may be sold to age 80 with the minimum distribution option or other appropriate IRS election)

Maximum Annuitization Age
Except where otherwise required by law

90

Contract anniversary coinciding with or next following Annuitant's attainment of age 90. Certain restrictions may apply. Please see the prospectus for details

Contingent Deferred Sales Charge (CDSC)

7 Years declining - 7%, 6%, 5%, 4%, 3%, 2%, 1%

Up-Front Bonus or Longevity Credit

1% on each payment made. Subject to state variations

Base Death Benefit
Death benefit protection terminates upon contract annuitization

At the time due proof of death is received, the greater of:

  1. The Contract Fund as of the date of due proof of death,
  2. Total purchase payments, minus withdrawals,
  3. Highest anniversary fund value as of every 3rd contract anniversary

 

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Footnote

*Prudential Annuities reserves the right to limit, restrict, suspend or reject additional purchase payments at any time on a non-discriminatory basis.

A variable annuity is a long-term investment designed to create guaranteed income in retirement. Investment returns and the principal value of an investment will fluctuate so that an investor's units, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty. Withdrawals can reduce the account value and the living and death benefits.

Optional living and death 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 benefit fees are in addition to fees and charges associated with the basic annuity. Please see the prospectus for more information.

Variable annuities offered by Prudential Financial companies are available at a total annual insurance cost of 0.55% to 1.85%, with an additional fee related to the professionally managed investment options. Please see the prospectus for additional information.

The Highest Daily Lifetime Income suite of benefits, Highest Daily Lifetime Income v2.1, Spousal Highest Daily Lifetime Income v2.1, Highest Daily Lifetime Income 2.0, Spousal Highest Daily Lifetime Income 2.0, Highest Daily Lifetime Income, Spousal Highest Daily Lifetime Income, Highest Daily Lifetime 6 Plus, Spousal Highest Daily Lifetime 6 Plus, Highest Daily Lifetime 7 Plus, Spousal Highest Daily Lifetime 7 Plus, Highest Daily Lifetime Seven, Spousal Highest Daily Lifetime Seven, Highest Daily Lifetime Five use a separate predetermined mathematical formula to help us manage your clients' guarantee(s) through all market cycles. Every 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. At any given time, some, none, or most of the account value may be allocated to the AST Investment Grade Bond Portfolio. Transfers to and from the AST Investment Grade Bond Portfolio do not impact any income guarantees that have already been locked in.

Amounts transferred by the formula depend on a number of factors unique to your clients' individual annuity and include:
  1. The difference between the account value and the Protected Withdrawal Value
  2. How long your client has owned the benefit
  3. The amount invested in, and the performance of, the permitted subaccounts
  4. The amount invested in, and the performance of, the AST Investment Grade Bond Portfolio; and
  5. The impact of additional purchase payments made to and withdrawals taken from the annuity

A separate and different predetermined mathematical formula helps us manage your clients' guarantee(s) through all market cycles for Highest Daily Guaranteed Return Option II (HD GRO II), Guaranteed Return Option Plus II (GRO Plus II), Highest Daily Guaranteed Return Option (HD GRO), Guaranteed Return Option (GRO), Guaranteed Return Option Plus (GRO Plus), Guaranteed Return Option Plus 2008 (GRO Plus 2008). Every business day, this separate formula determines if any portion of the account value needs to be transferred into or out of certain AST bond portfolio subaccounts (the "Bond Portfolios"). At any given time, some, none, or most of the account value may be allocated to the Bond Portfolios. Transfers to and from the Bond Portfolios do not impact any income guarantees that have already been locked in.

Amounts transferred by the formula depend on a number of factors unique to your client's individual annuity and include:
  1. The difference between the account value and the Guarantee Amount(s)
  2. The amount of time until the maturity of the Guarantee(s)
  3. The amount invested in, and the performance of, the permitted subaccounts
  4. The amount invested in, and the performance of, the Bond Portfolios
  5. The discount rate used to determine the present value of the Guarantee(s) and
  6. The impact of additional purchase payments made to and withdrawals taken from the annuity

Please note that for GRO Plus II and GRO Plus 2008, upon creation of a new enhanced guarantee, an immediate transfer to the AST Bond Portfolio Subaccount associated with the "current liability" may occur, depending on the discount rate used to determine the present value of each of your clients' guarantees. As such, a low discount rate could, in effect, cause a transfer of account value into an AST Bond Portfolio Subaccount, despite the fact that your client's account value had increased.
Please note that LT5 does not use a mathematical formula as described above.

The Protected Withdrawal Value (PWV) only applies to The Highest Daily Lifetime Income suite of benefits,  Highest Daily Lifetime Income v2.1, Spousal Highest Daily Lifetime Income v2.1, Highest Daily Lifetime Income 2.0, Spousal Highest Daily Lifetime Income 2.0, Highest Daily Lifetime Income, Spousal Highest Daily Lifetime Income, Highest Daily Lifetime 6 Plus and/or Spousal Highest Daily Lifetime 6 Plus Highest Daily Lifetime 7 Plus, Spousal Highest Daily Lifetime 7 Plus Highest Daily Lifetime Seven, Spousal Highest Daily Lifetime Seven, Highest Daily Lifetime Five and is the basis for guaranteed lifetime income. The PWV is only used to calculate the guaranteed lifetime income and the benefit fee. It is separate from the account value, and not available as a lump sum withdrawal. The account value is not guaranteed, can fluctuate, and can lose value.

Any amounts invested in the AST Investment Grade Bond Portfolio or the Bond Portfolios will affect your clients' ability to participate in a subsequent market recovery within the permitted subaccounts. Conversely, the account value may be higher at the beginning of the market 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: We are not providing investment advice through the formula. Your clients may not allocate purchase payments or transfer account value into or out of the AST Investment Grade Bond Portfolio or the Bond Portfolios. Please see the prospectus for complete details. For more information regarding provisions associated with the minimum and any optional death benefits your client may elect, please see the prospectus.

MVA (Market Value Adjustment) is an increase or decrease in the value of a contract when certain fixed guaranteed accounts are sold prior to the maturity date.

If an annuity contains a purchase credit, it may have higher expenses and a longer CDSC period than other similar annuities without a purchase credit. Over time, the higher expenses could amount to more than the value of the purchase credits. Your client should carefully consider the expenses along with the features and benefits to be sure the annuity meets your client's financial needs. Your client should know that we generally have the right to take back (i.e., "recapture") the amount of purchase credits in certain circumstances (e.g., if your client returns their annuity during the free look period or for purchase credits granted at a specified time period prior to death). Please see the prospectus for more details.

All guarantees, including the benefit payment obligations arising under the annuity contract guarantees, rider guarantees, optional benefits, any fixed account crediting rates or annuity payout rates are backed by the claims-paying ability of Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey. Those payments and the responsibility to make them are not the obligations of the third party broker/dealer from which this annuity is purchased or any of its affiliates. All guarantees, including optional benefits, do not apply to the underlying investment options.

 

For Compliance Use Only: 1024498-00002-00

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