CONSENT OF MILLIMAN USA
Published on
Exhibit 23.5
[LETTERHEAD OF MILLIMAN USA]
November 12, 2001
RE: The Prudential Insurance Company of America
Consent of Milliman USA
We hereby consent to the use in the registration statement of Mr. McCarthy's
opinion letter dated December 12, 2000, as Annex A to the prospectus and to
the references made to Mr. McCarthy, to such letter and to Milliman USA under
the captions "Unaudited Pro Forma Condensed Consolidated Financial
Information", "Demutualization and Related Transactions" and "Experts".
Milliman USA
/s/ Daniel J. McCarthy
By: _________________________________
Daniel J. McCarthy, M.A.A.A.
Principal
New York, New York
November 12, 2001