HD Lifetime 6 Plus Video Overview

Not all products may be available in all states or firms. For more information please contact your Financial Professional.

Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Optional benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. Your licensed financial professional can provide you with complete details.

Highest Daily Lifetime 6 Plus uses a predetermined mathematical formula to help manage your guarantee through all market cycles. Each business day, the formula determines if any portion of your account value needs to be transferred into or out of the AST Investment Grade Bond Portfolio (the "Bond Portfolio"). Amounts transferred by the formula depend on a number of factors unique to your individual annuity and include:

(i) The difference between the account value and the Protected Withdrawal Value;
(ii) How long you have owned Highest Daily Lifetime 6 Plus;
(iii) The amount invested in, and the performance of, the Permitted Subaccounts;
(iv) The amount invested in, and the performance of, the Bond Portfolio; and
(v) The impact of additional purchase payments made to and withdrawals taken from the annuity.

Therefore, at any given time, some, most, or none of the account value may be allocated to the Bond Portfolio. Transfers to and from the Bond Portfolio do not impact any income guarantees that have already been locked in. The Protected Withdrawal Value is separate from the account value, and is not available as a lump sum.

Any amounts invested in the Bond Portfolio will affect your 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: You may not allocate purchase payments or transfer account value into or out of the Bond Portfolio. Please see the prospectus for complete details.

Your needs and suitability of annuity products and benefits should be carefully considered before investing. All guarantees, including any optional benefits, discussed in this material are backed by the claims-paying ability of the issuing company and may not be available in all states/broker dealers. Guarantees do not apply to the underlying investment options. Please see the prospectus for more information.

All guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options. Guarantees do not apply to the safety or investment performance of the underlying subaccounts in the variable annuity.

Fixed income investing is subject to risk, including credit and interest rate risk. Because of these risks, a fund's share value may fluctuate. If interest rates rise, bond prices usually decline. If interest rates decline, bond prices usually increase.

An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political development changes in interest rates and perceived trends in stock prices.

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.

Issued on riders: P-RID-HD6(2/10), et al.or state variation thereof.

Investors should consider the contract and the underlying portfolios’ investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained on the prospectus page or from your financial professional. Please read the prospectus carefully before investing.

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

Annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), Newark, NJ and distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc.

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