STRATEGIC PARTNERS SPAO APPLICATION

PRUCO LIFE INSURANCE COMPANY, STRATEGIC PARTNERS(SM)
a Prudential Financial company ANNUITY ONE APPLICATION
Flexible Payment Variable Deferred Annuity

ANNUITY PAYMENTS AND TERMINATION VALUES PROVIDED BY THE CONTRACT ARE VARIABLE
AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT.

IF MONIES ARE ALLOCATED TO VARIABLE INVESTMENT OPTIONS, THAT PORTION OF THE
POLICY OR CONTRACT IS NOT PROTECTED BY THE MINNESOTA LIFE AND HEALTH INSURANCE
GUARANTY ASSOCIATION OR THE MINNESOTA INSURANCE GUARANTY ASSOCIATION. IN THE
CASE OF INSOLVENCY, PAYMENT OF CLAIMS IS NOT GUARANTEED. ONLY THE ASSETS OF THE
INSURER WILL BE AVAILABLE TO PAY YOUR CLAIM.

On these pages, I, you, and your refer to the contract owner. We, us, and our
refer to Pruco Life Insurance Company.

1 CONTRACT OWNER INFORMATION

Contract number (if any)
--------------------------------------------------------

[ ] Individual [ ]Corporation [ ]UGMA/UTMA [ ]Other

TRUST: [ ]Grantor [ ]Revocable [ ]Irrevocable

TRUST DATE (mo., day, yr.)
---- ---- --------

If a corporation or trust is indicated above, please check the following as it
applies. If neither box is checked, we will provide annual tax reporting for the
increasing value of the contract.

[ ] Tax-exempt entity under Internal Revenue Code 501

[ ]Trust acting as agent for an individual under Internal Revenue Code 72(u)

Name of owner (first, middle initial, last name)

- --------------------------------------------------------------------------------

Street Apt.

- -------------------------------------------------------------- --------------

City State ZIP code
-
- --------------------------------- ----------- ------------------------------

Social Security number/EIN Date of birth (mo., day, year) Telephone number
-
- --------------------------- ------ ------- --------------- ----------------

A. [ ] Female B. [ ] U.S. citizen
[ ] Male [ ] Resident alien

[ ] I am not a U.S. person (including resident alien). I am a citizen of

- --------------------------------------------------------------------------------
Attach the applicable IRS Form W-8(BEN, ECI, EXP, IMY).

2 JOINT OWNER INFORMATION (if any)

Do not complete if you are opening an IRA.

Unmarried persons who wish to own the contract jointly should consult with their
tax adviser.

Name of joint owner, if any (first, middle initial, last name)

- --------------------------------------------------------------------------------

Street (Leave address blank if same as owner.) Apt.

- ------------------------------------------------------------ ----------------

City State ZIP code
-
- ----------------------------- ------------------- --------------------------

Social Security number/EIN Date of birth (mo., day, year) Telephone number
-
- --------------------------- -------- ------- ------------- ----------------

A. [ ] Female B. [ ] U.S. citizen
[ ] Male [ ] Resident alien

[ ] I am not a U.S. person (including resident alien). I am a citizen of

- --------------------------------------------------------------------------------

3 ANNUITANT INFORMATION

Do not complete if you are opening an IRA.

This section must be completed only if the annuitant is not the owner or if the
owner is a trust or a corporation.

Name of annuitant (first, middle initial, last name)

- --------------------------------------------------------------------------------

Street (Leave address blank if same as owner.) Apt.

- ------------------------------------------------------------- ---------------
(continued)

Pruco Corporate Office: Pruco Life Insurance Company, Phoenix, AZ 85014

Page 1 of 7
3 ANNUITANT INFORMATION (continued)

City State ZIP code
-
- ---------------------------------------- ------------------- -----------------

Social Security number Date of birth (mo., day, year) Telephone number
-
- ------------------------- ------ --------- ----------------- ----------------

A. [ ] Female B. [ ] U.S. citizen
[ ] Male [ ] Resident alien

[ ] I am not a U.S. person (including resident alien). I am a citizen of

- --------------------------------------------------------------------------------

4 CO-ANNUITANT INFORMATION (if any)

Do not complete if you are opening an IRA or if the contract will be owned by a
corporation or trust.

Name of co-annuitant (first, middle initial, last name)

- --------------------------------------------------------------------------------

Social Security number Date of birth (mo., day, year) Telephone number
-
- ------------------------- ------- --------- -------------- ----------------

A. [ ] Female B. [ ] U.S. citizen
[ ] Male [ ] Resident alien

[ ] I am not a U.S. person (including resident alien). I am a citizen of

- --------------------------------------------------------------------------------

5 BENEFICIARY INFORMATION

Please add additional beneficiaries in section 17.

[x] PRIMARY CLASS

Name of beneficiary (first, middle initial, last name) If trust, include name of
trust and trustee's name.

- --------------------------------------------------------------------------------

TRUST: [ ] Revocable [ ] Irrevocable

Trust date (mo., day, year)
------- ------- ----------

Beneficiary's relationship to owner
--------------------------------------------

Social Security number
----------------------------------------------------------

CHECK ONLY ONE: [ ] Primary class [ ] Secondary class

Name of beneficiary (first, middle initial, last name) If trust, include name of
trust and trustee's name.

- --------------------------------------------------------------------------------

TRUST: [ ] Revocable [ ] Irrevocable

Trust date (mo., day, year)
------------ ------------ -----------------------

Beneficiary's relationship to owner
--------------------------------------------

Social Security number
---------------------------------------------------------

6 ELECTION OF CREDIT (BONUS)

Complete this section if you want to elect Credit (bonus). The election of
Credit to each purchase payment results in a higher insurance and administrative
cost and higher withdrawal charges than if the Credit was not elected. The
Credit that is allocated to the contract vests upon expiration of the the Right
to Cancel period. We reserve the right to recapture any Credit granted within
one year of the date of the owner's death.

[ ] Yes, I want Credit (bonus).

7 DEATH BENEFIT

THIS SECTION MUST BE COMPLETED. Check one of the following four Death Benefit
options. The cost of each benefit is in parentheses immediately following the
option.

[ ] Base Death Benefit. (1.40% without credit; 1.50% with credit)

[ ] Guaranteed Minimum Death Benefit (GMDB) with a Roll-Up option. (1.65%
without credit; 1.75% with credit)

[ ] GMDB with an annual Step-Up option. (1.65% without credit; 1.75% with
credit)

[ ] GMDB with a Roll-Up and an annual Step-Up option. (1.75% without credit;
1.85% with credit)

Indicate below if you want to elect the Earnings Appreciator supplemental death
benefit. THIS OPTION IS NOT AVAILABLE IN ND.

[ ] Yes, I would like to elect the Earnings Appreciator. (0.30%)


Page 2 of 7
8 INCOME BENEFITS

Check all that apply. The cost of each benefit is in parentheses immediately
following the option. ONCE ELECTED, THE GUARANTEED MINIMUM INCOME BENEFIT (GMIB)
CANNOT BE REVOKED.

[ ] Yes, I would like to elect the GMIB. THIS OPTION IS NOT AVAILABLE IN ND AND
OR. (0.50%)

[ ] Yes, I would like to elect the Income Appreciator Benefit (IAB). (0.25%)

9 TYPE OF PLAN AND SOURCE OF FUNDS (minimum of $10,000)

PLAN TYPE.

Check only one: [ ]Non-qualified [ ]Traditional IRA [ ]Roth IRA/Custodial
[ ]Custodial account (PSI only)

SOURCE OF FUNDS. Check all that apply:

[ ] Total amount of the check(s) included with this application. (Make checks
payable to Prudential.) $ , , .
--------------------------

[ ] IRA Rollover $ , , .
--------------------------

If Traditional IRA or Roth IRA new contribution(s) for the current and/or
previous year, complete the following:


$ , . Year $ , . Year
- ------------------ ------- ------------------- -------

[ ] 1035 Exchange (non-qualified only), estimated
amount: $ , , .
--------------------------

[ ] IRA Transfer (qualified), estimated amount: $ , , .
--------------------------

[ ] Direct Rollover (qualified), estimated amount: $ , , .
--------------------------

[ ] Roth Conversion IRA, establishment date:* month day year
---- ----- ----

*This is the date you originally converted from a traditional IRA to a Roth
Conversion IRA. (If omitted, the current tax year will be used.) This is
required for the IRA five-tax year, holding period requirement.

A CONVERSION FROM A TRADITIONAL IRA TO A ROTH CONVERSION IRA WILL RESULT IN A
TAXABLE EVENT WHICH WILL BE REPORTED TO THE INTERNAL REVENUE SERVICE.

10 PURCHASE PAYMENT ALLOCATION(S)

Please write in the percentage of your payment that you want to allocate to the
following options. The total must equal 100 percent. IF CHANGES ARE MADE TO THE
ALLOCATIONS LISTED BELOW, THE APPLICANT MUST INITIAL THE CHANGES.