Form: 424B3

Prospectus [Rule 424(b)(3)]

424B3: Prospectus [Rule 424(b)(3)]

Published on

Filed Pursuant to Rule 424(b)(3)
Registration No. 33-61143

PRUCO LIFE INSURANCE COMPANY
PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

STRATEGIC PARTNERS(SM) ADVISOR
STRATEGIC PARTNERS(SM) ANNUITY ONE
STRATEGIC PARTNERS(SM) ANNUITY ONE 3
STRATEGIC PARTNERS(SM) FLEXELITE
STRATEGIC PARTNERS(SM) PLUS
STRATEGIC PARTNERS(SM) PLUS 3
STRATEGIC PARTNERS(SM) SELECT

SUPPLEMENT, DATED DECEMBER 5, 2005
TO
PROSPECTUSES, DATED MAY 2, 2005

We are issuing this supplement to describe certain changes to the
above-referenced prospectuses, including changes made with respect to certain
portfolios of The Prudential Series Fund, Inc. (Series Fund) and certain
portfolios of American Skandia Trust (AST). In addition, we have added five
additional portfolios of AST (AST Asset Allocation Portfolios) that are being
offered as new variable investment options under each of the above-referenced
products. The Board of Directors/Trustees of each of the Series Fund and AST has
approved the sub-adviser/name changes to be effective as of December 5, 2005:

THE PRUDENTIAL SERIES FUND, INC. - SUB-ADVISER/NAME CHANGES

- Prudential Equity Portfolio. GE Asset Management, Incorporated has
been removed as sub-adviser to a portion of the portfolio. Salomon
Brothers Asset Management, Inc. (an existing co-sub-adviser to the
Portfolio) has assumed responsibility for the assets previously
managed by GE Asset Management, Incorporated. Jennison Associates LLC
will continue to manage a portion of the portfolio.

- Prudential Global Portfolio. LSV Asset Management, Marsico Capital
Management, LLC, T. Rowe Price Associates, Inc. and William Blair &
Company, LLC have replaced Jennison Associates LLC as sub-advisers to
the portfolio. Each new sub-adviser is responsible for managing a
portion of the portfolio.

- SP AllianceBernstein Large-Cap Growth Portfolio. T. Rowe Price
Associates, Inc. has replaced Alliance Capital Management, L.P. as
sub-adviser, and the portfolio will now be known as the SP T. Rowe
Price Large-Cap Growth Portfolio.

- SP Goldman Sachs Small Cap Value Portfolio. Salomon Brothers Asset
Management Inc. has been added as a sub-adviser, and will manage a
portion of the portfolio. Goldman Sachs Asset Management, L.P. will
continue to manage a portion of the portfolio. The portfolio will now
be known as the SP Small-Cap Value Portfolio.

AMERICAN SKANDIA TRUST - FUND MERGERS/SUB-ADVISER/NAME CHANGES

- AST Alger All-Cap Growth Portfolio has merged into the AST Neuberger
Berman Mid-Cap Growth Portfolio, which is sub-advised by Neuberger
Berman Management Inc. The investment objective and investment
policies of the AST Neuberger Berman Mid-Cap Growth Portfolio remain
unchanged. However, the fees have changed as reflected in the table
below.

- AST AllianceBernstein Growth + Value Portfolio has merged into the AST
AllianceBernstein Managed Index 500 Portfolio, which is managed by
Alliance Capital Management, L.P. The investment objective and
investment policies of the AST AllianceBernstein Managed Index 500
Portfolio remain unchanged. However, the fees have changed as
reflected in the table below.


- AST Gabelli All-Cap Value Portfolio. EARNEST Partners, LLC and Wedge
Capital Management, LLP have replaced GAMCO Investors, Inc. as
sub-advisers, and the portfolio will now be known as the AST Mid-Cap
Value Portfolio. Under normal circumstances, the portfolio will now
invest at least 80% of the value of its assets in mid-capitalization
companies.

- AST Hotchkis & Wiley Large-Cap Value Portfolio. J.P. Morgan Investment
Management, Inc. has been added as a sub-adviser, and will manage a
portion of the portfolio. Hotchkis & Wiley Capital Management, LLC
will continue to manage a portion of the portfolio. The portfolio will
now be known as the AST Large-Cap Value Portfolio.

- AST Small-Cap Value Portfolio. Salomon Brothers Asset Management Inc.
has been added as a sub-adviser, and will manage a portion of the
portfolio. Each of Integrity Asset Management, J.P. Morgan Investment
Management, Inc., and Lee Munder Investments, Ltd. will continue to
manage a portion of the portfolio.

We revise the section within the prospectuses entitled "Underlying Mutual Fund
Portfolio Annual Expenses" to include (i) the estimated fees for the AST
Neuberger Berman Mid-Cap Growth Portfolio after completion of the merger; (ii)
the estimated fees for the AST Alliance Bernstein Managed Index 500 Portfolio
after completion of the merger; and (iii) information regarding the estimated
fees for the five new AST Asset Allocation Portfolios (including applicable
footnotes):



TOTAL ANNUAL
MANAGEMENT OTHER 12B-1 PORTFOLIO OPERATING
FEES EXPENSES FEES EXPENSES(6)
---------- -------- ----- -------------------

AMERICAN SKANDIA TRUST
AST Neuberger Berman Mid-Cap Growth Portfolio (1, 2, 3) 0.90% 0.18% None 1.08%
AST AllianceBernstein Managed Index 500 Portfolio (1, 3) 0.60% 0.16% None 0.76%
AST Aggressive Asset Allocation Portfolio (4, 5) 1.04% 0.26% None 1.30%
AST Capital Growth Asset Allocation Portfolio (4, 5) 0.99% 0.25% None 1.24%
AST Balanced Asset Allocation Portfolio (4, 5) 0.95% 0.24% None 1.19%
AST Conservative Asset Allocation Portfolio (4, 5) 0.93% 0.23% None 1.16%
AST Preservation Asset Allocation Portfolio (4, 5) 0.88% 0.22% None 1.10%


(1.) Projected expenses based on current and anticipated Portfolio expenses
after the merger.

(2.) Specific management fees are 0.90% of average daily net assets to $1
billion, and 0.85% of average daily assets over $1 billion.

(3.) Until November 18, 2004, the Trust had a Distribution Plan under Rule 12b-1
to permit an affiliate of the Trust's Investment Managers to receive
brokerage commissions in connection with purchases and sales of securities
held by the Portfolios, and to use these commissions to promote the sale of
shares of the Portfolio. The Distribution Plan was terminated effective
November 18, 2004. The total annual portfolio operating expenses do not
reflect any brokerage commissions paid pursuant to the Distribution Plan
prior to the Plan's termination.

(4.) Management Fees, based in part on estimated amounts for the current fiscal
year. Each Asset Allocation Portfolio invests primarily in shares of one or
more Underlying Portfolios. The only management fee directly paid by an
Asset Allocation Portfolio is a 0.15% fee paid to the Investment Managers.
The management fee shown in the chart for each Asset Allocation Portfolio
is (i) the 0.15% management fee to be paid by the Asset Allocation
Portfolios to the Investment Managers plus (ii) a weighted average estimate
of the management fees to be paid by the Underlying Portfolios to the
Investment Managers, which are borne indirectly by investors in the Asset
Allocation Portfolio. Each weighted average estimate of the management fees
to be paid by the Underlying Portfolios is based on the expected initial
Underlying Portfolio allocation for the applicable Asset Allocation
Portfolio and the annual management fee rates for the Underlying Portfolios
as set forth in the current Prospectus for the Underlying Portfolios. The
management fees paid by an Asset Allocation Portfolio may be greater or
less than those indicated above.

(5.) Other Expenses, based on estimated amounts for the current fiscal year. The
other expenses shown in the chart for each Asset Allocation Portfolio
include: (i) the other expenses expected to be paid by the Asset Allocation
Portfolio to the Investment Managers and other service providers plus (ii)
a weighted average estimate of the


-2-


other expenses to be paid by the Underlying Portfolios to the Investment
Managers and other service providers, which are borne indirectly by
investors in the Asset Allocation Portfolio. Each weighted average estimate
of the other expenses to be paid by the Underlying Portfolios is based on
the expected initial Underlying Portfolio allocation for the applicable
Asset Allocation Portfolio and the annual operating expense ratios for the
Underlying Portfolios as set forth in the current Prospectus for the
Underlying Portfolios. The other expenses paid by an Asset Allocation
Portfolio may be greater or less than those indicated above. A description
of the types of costs that are included as other expenses for the
Underlying Portfolios is set forth under the caption "Management of the
Trust - Other Expenses" in the Underlying Portfolio Prospectus.

(6.) The fees presented here are detailed to two decimal places. The fees may
differ slightly if presented to more than two decimal places.

In the Expense Examples section of Pruco Life Insurance Company's Strategic
Partners FlexElite prospectus, Examples 2a, 2b, 3a, and 3b are replaced with the
following Examples, to correct what had appeared in the May 2, 2005 prospectus.

BASE DEATH BENEFIT

EXAMPLE 2A: EXAMPLE 2B:
IF YOU WITHDRAW YOUR ASSETS IF YOU DO NOT WITHDRAW YOUR ASSETS



1YR 3YR 5YR 10YR 1YR 3YR 5YR 10YR
- ---- ------ ------ ------ ---- ------ ------ ------

$980 $1,695 $1,802 $3,747 $350 $1,065 $1,802 $3,747


GREATER OF ROLL-UP AND STEP-UP GUARANTEED MINIMUM DEATH BENEFIT;
EARNINGS APPRECIATOR BENEFIT; CREDIT ELECTIONS

EXAMPLE 3A: EXAMPLE 3B:
IF YOU WITHDRAW YOUR ASSETS IF YOU DO NOT WITHDRAW YOUR ASSETS



1YR 3YR 5YR 10YR 1YR 3YR 5YR 10YR
- ------ ------ ------ ------ ---- ------ ------ ------

$1,034 $1,854 $2,696 $4,265 $404 $1,224 $2,066 $4,265


At the end of 2005, the Prudential Series Fund, Inc. will convert from a
Maryland corporation to a Delaware statutory trust. The Fund is making that
conversion for tax-related reasons. As a Delaware statutory trust, the
Prudential Series Fund will drop "Inc." from its name. We amend the references
in each prospectus to the Prudential Series Fund's name accordingly.

We revise Section 2 of each prospectus to (i) reflect revised investment
objectives/policies for certain portfolios (see table below); (ii) reflect the
name changes, sub-adviser changes, and fund mergers described above; (iii) add
the summary descriptions for each of the five new AST Asset Allocation
portfolios; (iv) delete the sentence stating "[t] he SP Aggressive Growth Asset
Allocation Portfolio, SP Balanced Asset Allocation Portfolio, SP Conservative
Asset Allocation Portfolio, and SP Growth Asset Allocation Portfolio invest in
other Prudential Series Fund Portfolios, and are managed by PI;"and (v) add a
new paragraph immediately preceding the investment objectives/policies table,
stating "Upon the introduction of the AST Asset Allocation Portfolios on
December 5, 2005, we ceased offering the Prudential Series Fund Asset Allocation
Portfolios to new purchasers and to existing contract owners who had not
previously invested in those Portfolios. However, a contract owner who had
contract value allocated to a Series Fund Asset Allocation Portfolio prior to
December 5, 2005 may continue to allocate purchase payments to that Portfolio
after that date. In addition, after December 5, 2005, we ceased offering the
Prudential Series Fund SP Large Cap Value Portfolio to new purchasers and to
existing contract owners who had not previously invested in that Portfolio.
However, a contract owner who had contract value allocated to the SP Large Cap
Value Portfolio prior to December 5, 2005 may continue to allocate purchase
payments to that Portfolio after that date."


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PORTFOLIO
STYLE/ ADVISER/
TYPE INVESTMENT OBJECTIVES/POLICIES SUB-ADVISER
------ ------------------------------ -----------

LARGE CAP BLEND PRUDENTIAL EQUITY PORTFOLIO: seeks long-term growth of Jennison Associates LLC
capital. The Portfolio invests at least 80% of its net assets / Salomon Brothers
plus borrowings for investment purposes in common stocks of Asset Management, Inc.
major established corporations as well as smaller companies
that the Sub-advisers believe offer attractive prospects of
appreciation.

INTERNATIONAL PRUDENTIAL GLOBAL PORTFOLIO: seeks long-term growth of LSV Asset Management /
EQUITY capital. The Portfolio invests primarily in common stocks Marsico Capital
(and their equivalents) of foreign and U.S. companies. Each Management, LLC / T.
Sub-adviser for the Portfolio generally will use either a Rowe Price Associates,
"growth" approach or a "value" approach in selecting either Inc. / William Blair &
foreign or U.S. common stocks. Company, LLC

LARGE CAP GROWTH SP T. ROWE PRICE LARGE-CAP GROWTH PORTFOLIO (FORMERLY SP T. Rowe Price
ALLIANCEBERNSTEIN LARGE-CAP GROWTH PORTFOLIO): seeks Associates, Inc.
long-term capital growth. Under normal circumstances, the
Portfolio invests at least 80% of its net assets plus
borrowings for investment purposes in the equity securities
of large-cap companies. The Sub-adviser generally looks for
companies with an above-average rate of earnings and cash
flow growth and a lucrative niche in the economy that gives
them the ability to sustain earnings momentum even during
times of slow economic growth.

SMALL CAP VALUE SP SMALL-CAP VALUE PORTFOLIO (FORMERLY SP GOLDMAN SACHS SMALL Goldman Sachs Asset
CAP VALUE PORTFOLIO): seeks long-term capital growth. The Management, L.P. /
Portfolio normally invests at least 80% its net assets plus Salomon Brothers Asset
borrowings for investment purposes in the equity securities Management Inc.
of small capitalization companies. The Portfolio focuses on
equity securities that are believed to be undervalued in the
marketplace.

MID-CAP GROWTH AST NEUBERGER BERMAN MID-CAP GROWTH PORTFOLIO (AST ALGER Neuberger Berman
ALL-CAP GROWTH PORTFOLIO MERGED INTO THIS PORTFOLIO): seeks Management Inc.
capital growth. Under normal market conditions, the Portfolio
primarily invests at least 80% of its net assets in the
common stocks of mid-cap companies. The Sub-adviser looks for
fast-growing companies that are in new or rapidly evolving
industries.

LARGE CAP BLEND AST ALLIANCEBERNSTEIN MANAGED INDEX 500 PORTFOLIO (AST Alliance Capital
ALLIANCEBERNSTEIN GROWTH + VALUE PORTFOLIO MERGED INTO THIS Management, L.P.
PORTFOLIO): seeks to outperform the Standard & Poor's 500
Composite Stock Price Index (the "S&P(R) 500") through stock
selection resulting in different weightings of common stocks
relative to the index. The Portfolio will invest, under
normal circumstances, at least 80% of its net assets in
securities included in the S&P(R) 500.

MID CAP VALUE AST MID CAP VALUE PORTFOLIO (FORMERLY AST GABELLI ALL-CAP EARNEST Partners LLC /
VALUE PORTFOLIO): seeks to provide capital growth by Wedge Capital
investing primarily in mid-capitalization stocks that appear Management, LLP
to be undervalued. The Portfolio has a non-fundamental policy
to invest, under normal circumstances, at least 80% of the
value of its net assets in mid-capitalization companies.

LARGE CAP VALUE AST LARGE-CAP VALUE PORTFOLIO (FORMERLY AST HOTCHKIS & WILEY Hotchkis and Wiley
LARGE-CAP VALUE PORTFOLIO): seeks current income and Capital Management, LLC
long-term growth of income, as well as capital appreciation. / J.P. Morgan
The Portfolio invests, under normal circumstances, at least Investment Management,
80% of its net assets in common stocks of large cap U.S. Inc.
companies. The Portfolio focuses on common stocks that have a
high cash dividend or payout yield relative to the market or
that possess relative value within sectors.



-4-




PORTFOLIO
STYLE/ ADVISER/
TYPE INVESTMENT OBJECTIVES/POLICIES SUB-ADVISER
------ ------------------------------ -----------

SMALL CAP VALUE AST SMALL-CAP VALUE PORTFOLIO: seeks to provide long-term Integrity Asset
capital growth by investing primarily in Management / Lee Munder
small-capitalization stocks that appear to be undervalued. Investments, Ltd. /
The Portfolio will have a non-fundamental policy to invest, J.P. Morgan Investment
under normal circumstances, at least 80% of the value of its Management, Inc. /
net assets in small capitalization stocks. The Portfolio Salomon Brothers Asset
will focus on common stocks that appear to be undervalued. Management Inc.

ASSET ALLOCATION/ AST AGGRESSIVE ASSET ALLOCATION PORTFOLIO: seeks the highest American Skandia
BALANCED potential total return consistent with its specified level Investment
of risk tolerance. The Portfolio will invest its assets in Services, Inc. /
several other American Skandia Trust Portfolios. Under Prudential
normal market conditions, the Portfolio will devote between Investments LLC
92.5% to 100% of its net assets to underlying portfolios
investing primarily in equity securities, and 0% to 7.5% of
its net assets to underlying portfolios investing primarily
in debt securities and money market instruments.

ASSET ALLOCATION/ AST CAPITAL GROWTH ASSET ALLOCATION PORTFOLIO: seeks the American Skandia
BALANCED highest potential total return consistent with its specified Investment
level of risk tolerance. The Portfolio will invest its Services, Inc. /
assets in several other American Skandia Trust Portfolios. Prudential
Under normal market conditions, the Portfolio will devote Investments LLC
between 72.5% to 87.5% of its net assets to underlying
portfolios investing primarily in equity securities, and
12.5% to 27.5% of its net assets to underlying portfolios
investing primarily in debt securities and money market
instruments.

ASSET ALLOCATION/ AST BALANCED ASSET ALLOCATION PORTFOLIO: seeks the highest American Skandia
BALANCED potential total return consistent with its specified level Investment
of risk tolerance. The Portfolio will invest its assets in Services, Inc. /
several other American Skandia Trust Portfolios. Under Prudential
normal market conditions, the Portfolio will devote between Investments LLC
57.5% to 72.5% of its net assets to underlying portfolios
investing primarily in equity securities, and 27.5% to 42.5%
of its net assets to underlying portfolios investing
primarily in debt securities and money market instruments.

ASSET ALLOCATION/ AST CONSERVATIVE ASSET ALLOCATION PORTFOLIO: seeks the American Skandia
BALANCED highest potential total return consistent with its specified Investment
level of risk tolerance. The Portfolio will invest its Services, Inc. /
assets in several other American Skandia Trust Portfolios. Prudential
Under normal market conditions, the Portfolio will devote Investments LLC
between 47.5% to 62.5% of its net assets to underlying
portfolios investing primarily in equity securities, and
37.5% to 52.5% of its net assets to underlying portfolios
investing primarily in debt securities and money market
instruments.

ASSET ALLOCATION/ AST PRESERVATION ASSET ALLOCATION PORTFOLIO: seeks the American Skandia
BALANCED highest potential total return consistent with its specified Investment
level of risk tolerance. The Portfolio will invest its Services, Inc. /
assets in several other American Skandia Trust Portfolios. Prudential
Under normal market conditions, the Portfolio will devote Investments LLC
between 27.5% to 42.5% of its net assets to underlying
portfolios investing primarily in equity securities, and
57.5% to 72.5% of its net assets to underlying portfolios
investing primarily in debt securities and money market
instruments.



-5-


In Section 4 of the prospectuses for Pruco Life Insurance Company's Strategic
Partners FlexElite, Strategic Partners Annuity One 3, and Strategic Partners
Plus 3 only, we amend the 4th paragraph within the section entitled "Highest
Daily Value Death Benefit" to read as follows:

"For contracts sold prior to December 5, 2005, owners electing this
benefit were required to allocate contract value to one or more of the
following asset allocation portfolios of the Prudential Series Fund:
SP Balanced Asset Allocation Portfolio, SP Conservative Asset
Allocation Portfolio, and SP Growth Asset Allocation Portfolio. For
contracts sold on or after December 5, 2005, owners electing this
benefit must allocate contract value to one or more of the following
asset allocation portfolios of American Skandia Trust: AST Capital
Growth Asset Allocation Portfolio, AST Balanced Asset Allocation
Portfolio, AST Conservative Asset Allocation Portfolio, and AST
Preservation Asset Allocation Portfolio."

In Section 5 of each of the above-referenced prospectuses (other than those for
Strategic Partners Select), we refer in two places to a requirement to allocate
contract value to one or more of the asset allocation portfolios of the
Prudential Series Fund. We amend those references to state instead:

"For contracts sold prior to December 5, 2005, owners electing this
benefit were required to allocate contract value to one or more of the
following asset allocation portfolios of the Prudential Series Fund:
SP Balanced Asset Allocation Portfolio, SP Conservative Asset
Allocation Portfolio, and SP Growth Asset Allocation Portfolio. Owners
electing this benefit on or after December 5, 2005 must allocate
contract value to one or more of the following asset allocation
portfolios of American Skandia Trust: AST Capital Growth Asset
Allocation Portfolio, AST Balanced Asset Allocation Portfolio, AST
Conservative Asset Allocation Portfolio, and AST Preservation Asset
Allocation Portfolio."

We add the following, as an additional Appendix item to each prospectus (other
than the prospectuses for Pruco Life's Strategic Partners Annuity One and
Strategic Partners Plus):

APPENDIX

SELECTING THE VARIABLE ANNUITY THAT'S RIGHT FOR YOU

Within the Strategic Partners(SM) family of annuities, we offer several
different deferred variable annuity products. These annuities are issued by
Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of
New Jersey). Not all of these annuities may be available to you due to state
approval or broker-dealer offerings. You can verify which of these annuities is
available to you by asking your registered representative, or by calling us at
(888) PRU-2888. For comprehensive information about each of these annuities,
please consult the prospectus for the annuity.

Each annuity has different features and benefits that may be appropriate
for you, based on your individual financial situation and how you intend to use
the annuity.

The different features and benefits may include variations on your ability
to access funds in your annuity without the imposition of a withdrawal charge as
well as different ongoing fees and charges you pay while your contract remains
in force. Additionally, differences may exist in various optional benefits such
as guaranteed living benefits or death benefit protection.

Among the factors you should consider when choosing which annuity product
may be most appropriate for your individual needs are the following:

- Your age;

- The amount of your investment and any planned future deposits into the
annuity;

- How long you intend to hold the annuity (also referred to as
investment time horizon);


-6-


- Your desire to make withdrawals from the annuity;

- Your investment return objectives;

- The effect of optional benefits that may be elected; and

- Your desire to minimize costs and/or maximize return associated with
the annuity.

The following chart sets forth the prominent features of each Strategic
Partners variable annuity. The availability of optional features, such as those
noted in the chart, may increase the cost of the contract. Therefore, you should
carefully consider which features you plan to use when selecting your annuity.

In addition to the chart, we set out below certain hypothetical
illustrations that reflect the contract value and surrender value of each
variable annuity over a variety of holding periods. These charts are meant to
reflect how your annuities can grow or decrease depending on market conditions
and the comparable value of each of the annuities (which reflects the charges
associated with the annuities) under the assumptions noted. In comparing the
values within the illustrations, a number of distinctions are evident. To fully
appreciate these distinctions, we encourage you to speak to your registered
representative and to read the prospectuses. However, we do point out the
following noteworthy items:

- Strategic Partners Advisor, because it has no sales charge, offers the
highest surrender value during the first few years. However, unlike
Strategic Partners FlexElite 2 and the Strategic Partners Annuity One
3 / Plus 3 contracts, Strategic Partners Advisor offers few optional
benefits.

- Strategic Partners FlexElite 2 offers both an array of optional
benefits as well as the "liquidity" to surrender the annuity without
any withdrawal charge after three contract years have passed.
FlexElite 2 also is unique in offering an optional persistency bonus
(which, if taken, extends the withdrawal charge period).

- Strategic Partners Select, as part of its standard insurance and
administrative expense, offers a guaranteed minimum death benefit
equal to the greater of contract value, a step-up value, or a roll-up
value. In contrast, you incur an additional charge if you opt for an
enhanced death benefit under the other annuities.

- Strategic Partners Annuity One 3 / Plus 3 comes in both a bonus
version and a non-bonus version, each of which offers several optional
insurance features. A bonus is added to your purchase payments under
the bonus version, although the withdrawal charges under the bonus
version are higher than those under the non-bonus version. Although
the non-bonus version offers no bonus, it is accompanied by fixed
interest rate options and a market value adjustment option that may
provide higher interest rates than such options accompanying the bonus
version.

STRATEGIC PARTNERS ANNUITY PRODUCT COMPARISON

Below is a summary of Strategic Partners variable annuity products. You should
consider the investment objectives, risks, charges and expenses of an investment
in any contract carefully before investing. Each product prospectus as well as
the underlying portfolio prospectuses contains this and other information about
the variable annuities and underlying investment options. Your registered
representative can provide you with prospectuses for one or more of these
variable annuities and the underlying portfolios and can help you decide upon
the product that would be most advantageous for you given your individual needs.
Please read the prospectuses carefully before investing.


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APPENDIX--- SELECTING THE VARIABLE ANNUITY THAT'S RIGHT FOR YOU



STRATEGIC PARTNERS STRATEGIC PARTNERS
STRATEGIC PARTNERS STRATEGIC PARTNERS STRATEGIC PARTNERS ANNUITY ONE 3 / PLUS 3 ANNUITY ONE 3 /
ADVISOR FLEXELITE 2(1) SELECT NON BONUS PLUS 3 BONUS
------------------- ------------------- ----------------------- ----------------------- --------------------

Minimum Investment $10,000 $10,000 $10,000 $10,000 $10,000

Maximum Issue Age 85 Qualified & 85 Qualified & 80 Qualified & 85 Qualified & 85 Qualified &
Non-Qualified Non-Qualified Non-Qualified Non-Qualified Non-Qualified

Withdrawal Charge None 3 Years 7 Years (7%, 6%, 5%, 7 Years (7%, 6%, 5%, 7 Years (8%, 8%, 8%,
Schedule (7%, 7%, 7%) 4%, 3%, 2%, 1%) 4%, 3%, 2%, 1%) 8%, 7%, 6%, 5%)
Contract date based Contract date based Payment date based Payment date based

Annual Charge-Free Full liquidity 10% of gross 10% of gross purchase 10% of gross purchase 10% of gross
Withdrawal(2) purchase payments payments per contract payments made as of purchase payments
made as of last year, cumulative up to last contract made as of last
contract 7 years or 70% of anniversary per contract anniversary
anniversary per gross purchase payments contract year per contract year
contract year

Insurance and 1.40% 1.65% 1.52% 1.40% 1.50%
Administration
Charge

Contract The lesser of $30 The lesser of $50 $30. Waived if The lesser of $35 or 2% The lesser of $35 or
Maintenance Fee or 2% of your or 2% of your contract value is of your contract 2% of your contract
(assessed contract value. contract value. $50,000 or more value. Waived if Waived if contract
annually) Waived if contract Waived if contract contract value is value is $75,000 or
value is $50,000 or value is $100,000 $75,000 or more more
more or more

Contract Credit No Yes No No Yes
1% credit option at 3%-all amounts ages
end of 3rd and 6th 81-85
contract years. 4%-under $250,000
Election results in 5%-$250,000-
a new 3 year $999,999
withdrawal charge 6%- $1,000,000+

Fixed Rate Account No Yes Yes Yes Yes(3)
1-Year 1-Year 1-Year 1-Year

Market Value No Yes Yes Yes Yes
Adjustment Account 1-10 Years 7-Year 1-10 Years 1-10 Years
(MVA)

Enhanced Dollar No Yes No Yes Yes
Cost Averaging
(DCA)


- ----------
(1) This column depicts features of the version of Strategic Partners FlexElite
sold on or after May 1, 2003 or upon subsequent state approval. In one
state, Pruco Life continues to sell a prior version of the contract. Under
that version, the charge for the base death benefit is 1.60%, rather than
1.65%. The prior version also differs in certain other respects (e.g.,
availability of optional benefits). The values illustrated below are based
on the 1.65% charge, and therefore are slightly lower than if the 1.60%
charge were used.

(2) Withdrawals of taxable amounts will be subject to income tax, and prior to
age 591/2, may be subject to a 10% federal income tax penalty.

(3) May offer lower interest rates for the fixed rate options than the interest
rates offered in the contracts without credit.


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STRATEGIC PARTNERS STRATEGIC PARTNERS
STRATEGIC PARTNERS STRATEGIC PARTNERS STRATEGIC PARTNERS ANNUITY ONE 3 / PLUS 3 ANNUITY ONE 3 /
ADVISOR FLEXELITE 2(1) SELECT NON BONUS PLUS 3 BONUS
------------------- ------------------- ----------------------- ----------------------- --------------------

Variable 53 53 53 53 53
Investment Options
Available

Evergreen Funds N/A N/A N/A 6 - available in 6 - available in
Strategic Partners Plus Strategic Partners
3 only Plus 3 only

Base Death The greater of: The greater of: Combo: Step/Roll The greater of: The greater of:
Benefit: purchase payment(s) purchase payment(s) Withdrawals will purchase payment(s) purchase payment(s)
minus proportionate minus proportionate proportionately affect minus proportionate minus proportionate
withdrawal(s) or withdrawal(s) or the Death Benefit withdrawal(s) or withdrawal(s) or
contract value contract value contract value contract value

Optional Death Combo: Step/Roll Step-Up N/A Step-Up Step-Up
Benefit (for an Roll-Up Roll-Up Roll-Up
additional cost) Combo: Step/Roll Combo: Step/Roll Combo: Step/Roll
(,4,5) Highest Daily Value Highest Daily Value Highest Daily Value
(HDV) (HDV) (HDV)
Earnings Earnings Appreciator Earnings Appreciator
Appreciator Benefit Benefit (EAB) Benefit (EAB)
(EAB)

Living Benefits Lifetime Five Lifetime Five N/A Lifetime Five Lifetime Five
(for an additional Guaranteed Minimum Guaranteed Minimum Guaranteed Minimum
cost)(,5,6) Income Benefit Income Benefit (GMIB) Income Benefit
(GMIB) Income Appreciator (GMIB)
Income Appreciator Benefit (IAB) Income Appreciator
Benefit (IAB) Benefit (IAB)



HYPOTHETICAL ILLUSTRATION

The following examples outline the value of each annuity as well as the amount
that would be available to an investor as a result of full surrender at the end
of each of the contract years specified. The values shown below are based on the
following assumptions:

- An initial investment of $100,000 is made into each contract earning a
gross rate of return of 0% and 6% respectively.

- No subsequent deposits or withdrawals are made from the contract.

- The hypothetical gross rates of return are reduced by the arithmetic
average of the fees and expenses of the underlying portfolios and the
charges that are deducted from the contract at the Separate Account
level as follows:

- 1.03% average of all fund expenses are computed by adding
Portfolio management fees, 12b-1 fees and other expenses of all
of the underlying portfolios and then dividing by the number of
portfolios. For purposes of the illustrations, we do not reflect
any expense reimbursements or expense waivers that might apply
and are described in the prospectus fee table.

- The Separate Account level charges include the Insurance Charge
and Administration Charge (as applicable).

- ----------
(4) For more information on these benefits, refer to section 4, "What Is The
Death Benefit?" in the Prospectus.

(5) Not all Optional Benefits may be available in all states.

(6) For more information on these benefits, refer to section 3, "What Kind Of
Payments Will I Receive During The Income Phase?; section 5, "What Is the
LifeTime Five(SM) Income Benefit?"; and section 6, "What Is The Income
Appreciator Benefit?" in the Prospectus.


-9-

The Contract Value assumes no surrender while the Surrender Value assumes a
100% surrender on the contract anniversary therefore reflecting the decrease in
withdrawal charge where applicable. The values that you actually experience
under an contract will be different from what is depicted here if any of the
assumptions we make here differ from your circumstances, however the relative
values for each product reflected below will remain the same. (We will provide
you with a personalized illustration upon request).

0% GROSS RETURN



STRATEGIC PARTNERS STRATEGIC PARTNERS
STRATEGIC PARTNERS STRATEGIC PARTNERS STRATEGIC PARTNERS ANNUITY ONE 3 / ANNUITY ONE 3 /
ADVISOR FLEXELITE 2 SELECT PLUS NON 3 BONUS PLUS 3 BONUS
-------------------- -------------------- -------------------- -------------------- --------------------
Contract Surrender Contract Surrender Contract Surrender Contract Surrender Contract Surrender
Value Value Value Value Value Value Value Value Value Value
-------- --------- -------- --------- -------- --------- -------- --------- -------- ---------

1 $97,614 $97,614 $97,324 $91,208 $97,498 $92,249 $97,614 $92,357 $101,418 $94,218
2 $95,285 $95,285 $94,718 $88,784 $95,059 $91,306 $95,285 $91,020 $98,901 $91,789
3 $93,011 $93,011 $92,180 $92,180 $92,681 $90,174 $93,011 $89,690 $96,446 $89,530
4 $90,792 $90,792 $89,709 $89,709 $90,363 $88,852 $90,792 $88,368 $94,052 $88,168
5 $88,625 $88,625 $87,303 $87,303 $88,102 $87,340 $88,625 $87,053 $91,717 $86,814
6 $86,510 $86,510 $84,960 $84,960 $85,899 $85,640 $86,510 $85,745 $89,440 $85,468
7 $84,446 $84,446 $82,679 $82,679 $83,750 $83,750 $84,446 $84,446 $87,220 $87,220
8 $82,431 $82,431 $80,458 $80,458 $81,655 $81,655 $82,431 $82,431 $85,055 $85,055
9 $80,464 $80,464 $78,295 $78,295 $79,612 $79,612 $80,464 $80,464 $82,943 $82,943
10 $78,544 $78,544 $76,189 $76,189 $77,620 $77,620 $78,544 $78,544 $80,885 $80,885
11 $76,670 $76,670 $74,138 $74,138 $75,679 $75,679 $76,670 $76,670 $78,877 $78,877
12 $74,810 $74,810 $72,141 $72,141 $73,786 $73,786 $74,805 $74,805 $76,919 $76,919
13 $72,995 $72,995 $70,196 $70,196 $71,940 $71,940 $72,985 $72,985 $75,009 $75,009
14 $71,223 $71,223 $68,302 $68,302 $70,140 $70,140 $71,209 $71,209 $73,112 $73,112
15 $69,494 $69,494 $66,459 $66,459 $68,386 $68,386 $69,475 $69,475 $71,262 $71,262
16 $67,806 $67,806 $64,663 $64,663 $66,675 $66,675 $67,782 $67,782 $69,458 $69,458
17 $66,158 $66,158 $62,915 $62,915 $65,007 $65,007 $66,129 $66,129 $67,699 $67,699
18 $64,549 $64,549 $61,213 $61,213 $63,381 $63,381 $64,517 $64,517 $65,984 $65,984
19 $62,979 $62,979 $59,555 $59,555 $61,795 $61,795 $62,942 $62,942 $64,311 $64,311
20 $61,446 $61,446 $57,941 $57,941 $60,249 $60,249 $61,405 $61,405 $62,679 $62,679
21 $59,950 $59,950 $56,369 $56,369 $58,742 $58,742 $59,905 $59,905 $61,088 $61,088
22 $58,489 $58,489 $54,839 $54,839 $57,273 $57,273 $58,440 $58,440 $59,537 $59,537
23 $57,064 $57,064 $53,349 $53,349 $55,840 $55,840 $57,011 $57,011 $58,024 $58,024
24 $55,672 $55,672 $51,898 $51,898 $54,443 $54,443 $55,616 $55,616 $56,549 $56,549
25 $54,314 $54,314 $50,485 $50,485 $53,081 $53,081 $54,254 $54,254 $55,110 $55,110


Assumptions:

1. $100,000 initial investment.

2. Fund Expenses = 1.03%.

3. No optional death benefit(s) and/or optional living benefit(s) were
elected.

4. Strategic Partners FlexElite 2 figures do not include the optional 1%
credit election. Had the credit been included, the Contract Values would be
higher, due to the additional credit. However, election of the credit
extends the surrender charge for an additional three years, thus lowering
surrender value in those years.

5. These reductions result in hypothetical net rates of return as follows:
Strategic Partners Advisor -2.39%; Strategic Partners FlexElite 2 -2.63%;
Strategic Partners Select -2.50%; Strategic Partners Annuity One 3 / Plus 3
Non-Bonus -2.39%; Strategic Partners Annuity One 3 / Plus 3 Bonus -2.48%.

6. The illustration above illustrates 100% invested into the variable
sub-accounts. Investments into the fixed rate accounts, as noted above, may
receive a higher rate of interest in one product over another causing
Contract Values to differ in relation to one another.


-10-


6% GROSS RETURN



STRATEGIC PARTNERS STRATEGIC PARTNERS
STRATEGIC PARTNERS STRATEGIC PARTNERS STRATEGIC PARTNERS ANNUITY ONE 3 / ANNUITY ONE 3 /
ADVISOR FLEXELITE 2 SELECT PLUS 3 NON BONUS PLUS 3 BONUS
-------------------- -------------------- -------------------- -------------------- --------------------
Contract Surrender Contract Surrender Contract Surrender Contract Surrender Contract Surrender
Value Value Value Value Value Value Value Value Value Value
-------- --------- -------- --------- -------- --------- -------- --------- -------- ---------

1 $103,471 $103,471 $103,216 $ 96,916 $103,348 $ 97,948 $103,471 $ 98,071 $107,503 $100,303
2 $107,062 $107,062 $106,536 $100,236 $106,809 $102,809 $107,062 $102,562 $111,125 $103,925
3 $110,778 $110,778 $109,962 $109,962 $110,385 $107,585 $110,778 $107,178 $114,868 $107,668
4 $114,622 $114,622 $113,499 $113,499 $114,081 $112,281 $114,622 $111,922 $118,738 $112,438
5 $118,600 $118,600 $117,149 $117,149 $117,901 $116,901 $118,600 $116,800 $122,738 $117,338
6 $122,717 $122,717 $120,917 $120,917 $121,849 $121,449 $122,717 $121,817 $126,873 $122,373
7 $126,976 $126,976 $124,806 $124,806 $125,929 $125,929 $126,976 $126,976 $131,147 $131,147
8 $131,383 $131,383 $128,819 $128,819 $130,145 $130,145 $131,383 $131,383 $135,565 $135,565
9 $135,942 $135,942 $132,962 $132,962 $134,503 $134,503 $135,942 $135,942 $140,131 $140,131
10 $140,660 $140,660 $137,239 $137,239 $139,006 $139,006 $140,660 $140,660 $144,852 $144,852
11 $145,542 $145,542 $141,653 $141,653 $143,661 $143,661 $145,542 $145,542 $149,732 $149,732
12 $150,594 $150,594 $146,208 $146,208 $148,471 $148,471 $150,594 $150,594 $154,776 $154,776
13 $155,820 $155,820 $150,911 $150,911 $153,442 $153,442 $155,820 $155,820 $159,989 $159,989
14 $161,228 $161,228 $155,764 $155,764 $158,580 $158,580 $161,228 $161,228 $165,379 $165,379
15 $166,824 $166,824 $160,774 $160,774 $163,890 $163,890 $166,824 $166,824 $170,950 $170,950
16 $172,614 $172,614 $165,945 $165,945 $169,378 $169,378 $172,614 $172,614 $176,709 $176,709
17 $178,605 $178,605 $171,282 $171,282 $175,049 $175,049 $178,605 $178,605 $182,662 $182,662
18 $184,803 $184,803 $176,790 $176,790 $180,910 $180,910 $184,803 $184,803 $188,815 $188,815
19 $191,217 $191,217 $182,476 $182,476 $186,968 $186,968 $191,217 $191,217 $195,176 $195,176
20 $197,854 $197,854 $188,345 $188,345 $193,228 $193,228 $197,854 $197,854 $201,751 $201,751
21 $204,720 $204,720 $194,402 $194,402 $199,698 $199,698 $204,720 $204,720 $208,547 $208,547
22 $211,826 $211,826 $200,655 $200,655 $206,385 $206,385 $211,826 $211,826 $215,572 $215,572
23 $219,177 $219,177 $207,108 $207,108 $213,295 $213,295 $219,177 $219,177 $222,834 $222,834
24 $226,784 $226,784 $213,769 $213,769 $220,437 $220,437 $226,784 $226,784 $230,341 $230,341
25 $234,655 $234,655 $220,644 $220,644 $227,818 $227,818 $234,655 $234,655 $238,101 $238,101


Assumptions:

1. $100,000 initial investment.

2. Fund Expenses = 1.03%.

3. No optional death benefit(s) and/or optional living benefit(s) were
elected.

4. Strategic Partners FlexElite 2 figures do not include the optional 1%
credit election. Had the credit been included, the Contract Values would be
higher, due to the additional credit. However, election of the credit
extends the surrender charge for an additional three years, thus lowering
surrender value in those years.

5. These reductions result in hypothetical net rates of return as follows:
Strategic Partners Advisor 3.47%; Strategic Partners FlexElite 2 3.22%;
Strategic Partners Select 3.35%; Strategic Partners Annuity One 3 / Plus 3
Non-Bonus 3.47%; Strategic Partners Annuity One 3 / Plus Bonus 3.37%.

6. The illustration above illustrates 100% invested into the variable
sub-accounts. Investments into the fixed rate accounts, as noted above, may
receive a higher rate of interest in one product over another causing
Contract Values to differ in relation to one another.


-11-

With respect to the prospectuses for Strategic Partners Annuity One and
Strategic Partners Plus only, we add the following as an additional appendix:

APPENDIX

SELECTING THE VARIABLE ANNUITY THAT'S RIGHT FOR YOU

Within the Strategic Partners(SM) family of annuities, we offer several
different deferred variable annuity products. These annuities are issued by
Pruco Life Insurance Company. Not all of these annuities may be available to you
due to state approval or broker-dealer offerings. You can verify which of these
annuities is available to you by asking your registered representative, or by
calling us at (888) PRU-2888. For comprehensive information about each of these
annuities, please consult the prospectus for the annuity.

Each annuity has different features and benefits that may be appropriate
for you, based on your individual financial situation and how you intend to use
the annuity.

The different features and benefits may include variations on your ability
to access funds in your annuity without the imposition of a withdrawal charge as
well as different ongoing fees and charges you pay while your contract remains
in force. Additionally, differences may exist in various optional benefits such
as guaranteed living benefits or death benefit protection.

Among the factors you should consider when choosing which annuity product
may be most appropriate for your individual needs are the following:

- Your age;

- The amount of your investment and any planned future deposits into the
annuity;

- How long you intend to hold the annuity (also referred to as
investment time horizon);

- Your desire to make withdrawals from the annuity;

- Your investment return objectives;

- The effect of optional benefits that may be elected; and

- Your desire to minimize costs and/or maximize return associated with
the annuity.

The following chart sets forth the prominent features of each available
Strategic Partners variable annuity. The availability of optional features, such
as those noted in the chart, may increase the cost of the contract. Therefore,
you should carefully consider which features you plan to use when selecting your
annuity.

In addition to the chart, we set out below certain hypothetical
illustrations that reflect the contract value and surrender value of each
variable annuity over a variety of holding periods. These charts are meant to
reflect how your annuities can grow or decrease depending on market conditions
and the comparable value of each of the annuities (which reflects the charges
associated with the annuities) under the assumptions noted. In comparing the
values within the illustrations, a number of distinctions are evident. To fully
appreciate these distinctions, we encourage you to speak to your registered
representative and to read the prospectuses. However, we do point out the
following noteworthy items:

- Strategic Partners Advisor, because it has no sales charge, offers the
highest surrender value during the first few years. However, unlike
Strategic Partners Annuity One / Plus and the Strategic Partners
Annuity One / Plus Enhanced contracts, Strategic Partners Advisor
offers few optional benefits.

- Strategic Partners Select, as part of its standard insurance and
administrative expense, offers a guaranteed minimum death benefit
equal to the greater of contract value, a step-up value, or a roll-up
value. In contrast, you incur an additional charge if you opt for an
enhanced death benefit under the other annuities.

- Strategic Partners Annuity One / Plus Enhanced comes in both a bonus
version and a non-bonus version, each of which offers several optional
insurance features. A bonus is added to your purchase payments under
the bonus version, although the withdrawal charges under the bonus
version are higher than those under the non-bonus version. Although
the non-bonus version offers no bonus, it is accompanied by fixed
interest rate options that are not available in the bonus version.


-12-

STRATEGIC PARTNERS ANNUITY PRODUCT COMPARISON

Below is a summary of the available Strategic Partners variable annuity
products. You should consider the investment objectives, risks, charges and
expenses of an investment in any contract carefully before investing. Each
product prospectus as well as the underlying portfolio prospectuses contains
this and other information about the variable annuities and underlying
investment options. Your registered representative can provide you with
prospectuses for one or more of these variable annuities and the underlying
portfolios and can help you decide upon the product that would be most
advantageous for you given your individual needs. Please read the prospectuses
carefully before investing.

APPENDIX--- SELECTING THE VARIABLE ANNUITY THAT'S RIGHT FOR YOU



STRATEGIC PARTNERS STRATEGIC PARTNERS STRATEGIC PARTNERS
STRATEGIC PARTNERS STRATEGIC PARTNERS ANNUITY ONE / PLUS ANNUITY ONE / PLUS ANNUITY ONE / PLUS
ADVISOR SELECT BONUS ENHANCED NON BONUS ENHANCED BONUS
------------------- ------------------- --------------------- --------------------- --------------------

Minimum Investment $10,000 $10,000 $10,000 $10,000 $10,000

Maximum Issue Age 85 Qualified & 80 Qualified & 80 Qualified & 85 Qualified & 85 Qualified &
Non-Qualified Non-Qualified Non-Qualified Non-Qualified Non-Qualified

Withdrawal Charge None 7 Years (7%, 6%, 9 Years (7%, 7%, 7%, 7 Years (7%, 6%, 5%, 7 Years (8%, 8%,
Schedule 5%, 4%, 3%, 2%, 1%) 6%, 5%, 4%, 3%, 2%, 4%, 3%, 2%, 1%) 8%, 8%, 7%, 6%, 5%)
Contract date based 1%) Payment date based Payment date based
Payment date based

Annual Charge-Free Full liquidity 10% of gross 10% of gross purchase 10% of gross purchase 10% of gross
Withdrawal (1) purchase payments payments made as of payments made as of purchase payments
per contract year, last contract last contract made as of last
cumulative up to 7 anniversary per anniversary per contract anniversary
years or 70% of contract year contract year per contract year
gross purchase
payments

Insurance and 1.40% 1.52% 1.40% 1.40% 1.50%
Administration Charge

Contract Maintenance The lesser of $30 $30. Waived if The lesser of $30 or The lesser of $35 or The lesser of $35 or
Fee or 2% of your contract value is 2% of your contract 2% of your contract 2% of your contract
(assessed annually) contract value. $50,000 or more value. Waived if value. Waived if value. Waived if
Waived if contract contract value is contract value is contract value is
value is $50,000 or $50,000 or more $75,000 or more $75,000 or more
more

Contract Credit No No Yes No Yes
4% vested over 3%-all amounts ages
7 years 81-85
4%-under $250,000
5%-$250,000+

Fixed Rate Account No Yes No Yes No
1-Year 1-Year

Market Value No Yes No No No
Adjustment Account 7-Year
(MVA)

Enhanced Dollar Cost No No No Yes No
Averaging (DCA)

Variable Investment 53 53 53 53 53
Options Available


- ----------
(1) Withdrawals of taxable amounts will be subject to income tax, and prior to
age 591/2, may be subject to a 10% federal income tax penalty.


-13-




STRATEGIC PARTNERS STRATEGIC PARTNERS STRATEGIC PARTNERS
STRATEGIC PARTNERS STRATEGIC PARTNERS ANNUITY ONE / PLUS ANNUITY ONE / PLUS ANNUITY ONE / PLUS
ADVISOR SELECT BONUS ENHANCED NON BONUS ENHANCED BONUS
------------------- ------------------- --------------------- --------------------- --------------------

Evergreen Funds N/A N/A 6 - available in 6 - available in 6 - available in
Strategic Partners Strategic Partners Strategic Partners
Plus only Plus Enhanced only Plus Enhanced only

Base Death Benefit: The greater of: Combo: Step/Roll The greater of: The greater of: The greater of:
purchase payment(s) Withdrawals will purchase payment(s) purchase payment(s) purchase payment(s)
minus proportionate proportionately minus proportionate minus proportionate minus proportionate
withdrawal(s) or affect the Death withdrawal(s) or withdrawal(s) or withdrawal(s) or
contract value Benefit contract value contract value contract value

Optional Death Combo: Step/Roll N/A Step-Up Step-Up Step-Up
Benefit (for an Roll-Up Roll-Up Roll-Up
additional cost) Combo: Step/Roll Combo: Step/Roll Combo: Step/Roll
(2, 3,) Earnings Appreciator Earnings Appreciator Earnings Appreciator
Benefit (EAB) Benefit (EAB) Benefit (EAB)

Living Benefits (for anLifetime Five N/A Lifetime Five Lifetime Five Lifetime Five
additional cost) Guaranteed Minimum Guaranteed Minimum Guaranteed Minimum
(3, 4) Income Benefit (GMIB) Income Benefit (GMIB) Income Benefit
(GMIB)


HYPOTHETICAL ILLUSTRATION

The following examples outline the value of each annuity as well as the amount
that would be available to an investor as a result of full surrender at the end
of each of the contract years specified. The values shown below are based on the
following assumptions:

- An initial investment of $100,000 is made into each contract earning a
gross rate of return of 0% and 6% respectively.

- No subsequent deposits or withdrawals are made from the contract.

- The hypothetical gross rates of return are reduced by the arithmetic
average of the fees and expenses of the underlying portfolios and the
charges that are deducted from the contract at the Separate Account
level as follows:

- 1.03% average of all fund expenses are computed by adding
Portfolio management fees, 12b-1 fees and other expenses of all
of the underlying portfolios and then dividing by the number of
portfolios. For purposes of the illustrations, we do not reflect
any expense reimbursements or expense waivers that might apply
and are described in the prospectus fee table.

- The Separate Account level charges include the Insurance Charge
and Administration Charge (as applicable).

The Contract Value assumes no surrender while the Surrender Value assumes a
100% surrender on the contract anniversary therefore reflecting the decrease in
Withdrawal charge where applicable. The values that you actually experience
under an contract will be different from what is depicted here if any of the
assumptions we make here differ from your circumstances, however the relative
values for each product reflected below will remain the same. (We will provide
you with a personalized illustration upon request).

- ----------
(2) For more information on these benefits, refer to 4, "What Is The Death
Benefit?" in the Prospectus.

(3) Not all Optional Benefits may be available in all states.

(4) For more information on these benefits, refer to section 3, "What Kind Of
Payments Will I Receive During The Income Phase?; section 5, "What Is the
LifeTime Five(SM) Income Benefit?"; and section 6, "What Is The Income
Appreciator Benefit?" in the Prospectus.


-14-


0% GROSS RETURN



STRATEGIC PARTNERS STRATEGIC PARTNERS STRATEGIC PARTNERS
STRATEGIC PARTNERS STRATEGIC PARTNERS ANNUITY ONE / PLUS ANNUITY ONE / PLUS ANNUITY ONE / PLUS
ADVISOR SELECT BONUS ENHANCED NON BONUS ENHANCED BONUS
-------------------- -------------------- -------------------- -------------------- --------------------
Contract Surrender Contract Surrender Contract Surrender Contract Surrender Contract Surrender
Value Value Value Value Value Value Value Value Value Value
-------- --------- -------- --------- -------- --------- -------- --------- -------- ---------

1 $97,614 $97,614 $97,498 $92,249 $101,518 $91,618 $97,614 $92,357 $101,418 $94,218
2 $95,285 $95,285 $95,059 $91,306 $ 99,096 $89,659 $95,285 $91,020 $ 98,901 $91,789
3 $93,011 $93,011 $92,681 $90,174 $ 96,731 $88,727 $93,011 $89,690 $ 96,446 $89,530
4 $90,792 $90,792 $90,363 $88,852 $ 94,423 $87,802 $90,792 $88,368 $ 94,052 $88,168
5 $88,625 $88,625 $88,102 $87,340 $ 92,170 $86,883 $88,625 $87,053 $ 91,717 $86,814
6 $86,510 $86,510 $85,899 $85,640 $ 89,971 $85,972 $86,510 $85,745 $ 89,440 $85,468
7 $84,446 $84,446 $83,750 $83,750 $ 87,824 $86,267 $84,446 $84,446 $ 87,220 $87,220
8 $82,431 $82,431 $81,655 $81,655 $ 85,728 $84,971 $82,431 $82,431 $ 85,055 $85,055
9 $80,464 $80,464 $79,612 $79,612 $ 83,683 $83,683 $80,464 $80,464 $ 82,943 $82,943
10 $78,544 $78,544 $77,620 $77,620 $ 81,686 $81,686 $78,544 $78,544 $ 80,885 $80,885
11 $76,670 $76,670 $75,679 $75,679 $ 79,737 $79,737 $76,670 $76,670 $ 78,877 $78,877
12 $74,810 $74,810 $73,786 $73,786 $ 77,834 $77,834 $74,805 $74,805 $ 76,919 $76,919
13 $72,995 $72,995 $71,940 $71,940 $ 75,977 $75,977 $72,985 $72,985 $ 75,009 $75,009
14 $71,223 $71,223 $70,140 $70,140 $ 74,164 $74,164 $71,209 $71,209 $ 73,112 $73,112
15 $69,494 $69,494 $68,386 $68,386 $ 72,394 $72,394 $69,475 $69,475 $ 71,262 $71,262
16 $67,806 $67,806 $66,675 $66,675 $ 70,667 $70,667 $67,782 $67,782 $ 69,458 $69,458
17 $66,158 $66,158 $65,007 $65,007 $ 68,980 $68,980 $66,129 $66,129 $ 67,699 $67,699
18 $64,549 $64,549 $63,381 $63,381 $ 67,334 $67,334 $64,517 $64,517 $ 65,984 $65,984
19 $62,979 $62,979 $61,795 $61,795 $ 65,728 $65,728 $62,942 $62,942 $ 64,311 $64,311
20 $61,446 $61,446 $60,249 $60,249 $ 64,159 $64,159 $61,405 $61,405 $ 62,679 $62,679
21 $59,950 $59,950 $58,742 $58,742 $ 62,628 $62,628 $59,905 $59,905 $ 61,088 $61,088
22 $58,489 $58,489 $57,273 $57,273 $ 61,134 $61,134 $58,440 $58,440 $ 59,537 $59,537
23 $57,064 $57,064 $55,840 $55,840 $ 59,675 $59,675 $57,011 $57,011 $ 58,024 $58,024
24 $55,672 $55,672 $54,443 $54,443 $ 58,251 $58,251 $55,616 $55,616 $ 56,549 $56,549
25 $54,314 $54,314 $53,081 $53,081 $ 56,861 $56,861 $54,254 $54,254 $ 55,110 $55,110


Assumptions:

1. $100,000 initial investment.

2. Fund Expenses = 1.03%.

3. No optional death benefit(s) and/or optional living benefit(s) were
elected.

4. These reductions result in hypothetical net rates of return as follows:
Strategic Partners Advisor -2.39%; Strategic Partners Select -2.50%;
Strategic Partners Annuity One / Plus Bonus -2.39%; Strategic Partners
Annuity One / Plus Enhanced Non-Bonus -2.39%; Strategic Partners Annuity
One / Plus Enhanced Bonus -2.48%.

5. The illustration above illustrates 100% invested into the variable
sub-accounts. Investments into the fixed rate accounts, as noted above, may
receive a higher rate of interest in one product over another causing
Contract Values to differ in relation to one another.


-15-


6% GROSS RETURN



STRATEGIC PARTNERS STRATEGIC PARTNERS STRATEGIC PARTNERS
STRATEGIC PARTNERS STRATEGIC PARTNERS ANNUITY ONE / PLUS ANNUITY ONE / PLUS ANNUITY ONE / PLUS
ADVISOR SELECT BONUS ENHANCED NON BONUS ENHANCED BONUS
-------------------- -------------------- -------------------- -------------------- --------------------
Contract Surrender Contract Surrender Contract Surrender Contract Surrender Contract Surrender
Value Value Value Value Value Value Value Value Value Value
-------- --------- -------- --------- -------- --------- -------- --------- -------- ---------

1 $103,471 $103,471 $103,348 $ 97,948 $107,609 $ 97,709 $103,471 $ 98,071 $107,503 $100,303
2 $107,062 $107,062 $106,809 $102,809 $111,344 $101,844 $107,062 $102,562 $111,125 $103,925
3 $110,778 $110,778 $110,385 $107,585 $115,209 $107,009 $110,778 $107,178 $114,868 $107,668
4 $114,622 $114,622 $114,081 $112,281 $119,207 $112,307 $114,622 $111,922 $118,738 $112,438
5 $118,600 $118,600 $117,901 $116,901 $123,344 $117,744 $118,600 $116,800 $122,738 $117,338
6 $122,717 $122,717 $121,849 $121,449 $127,625 $123,325 $122,717 $121,817 $126,873 $122,373
7 $126,976 $126,976 $125,929 $125,929 $132,055 $130,255 $126,976 $126,976 $131,147 $131,147
8 $131,383 $131,383 $130,145 $130,145 $136,638 $135,738 $131,383 $131,383 $135,565 $135,565
9 $135,942 $135,942 $134,503 $134,503 $141,380 $141,380 $135,942 $135,942 $140,131 $140,131
10 $140,660 $140,660 $139,006 $139,006 $146,287 $146,287 $140,660 $140,660 $144,852 $144,852
11 $145,542 $145,542 $143,661 $143,661 $151,364 $151,364 $145,542 $145,542 $149,732 $149,732
12 $150,594 $150,594 $148,471 $148,471 $156,617 $156,617 $150,594 $150,594 $154,776 $154,776
13 $155,820 $155,820 $153,442 $153,442 $162,053 $162,053 $155,820 $155,820 $159,989 $159,989
14 $161,228 $161,228 $158,580 $158,580 $167,677 $167,677 $161,228 $161,228 $165,379 $165,379
15 $166,824 $166,824 $163,890 $163,890 $173,497 $173,497 $166,824 $166,824 $170,950 $170,950
16 $172,614 $172,614 $169,378 $169,378 $179,518 $179,518 $172,614 $172,614 $176,709 $176,709
17 $178,605 $178,605 $175,049 $175,049 $185,749 $185,749 $178,605 $178,605 $182,662 $182,662
18 $184,803 $184,803 $180,910 $180,910 $192,195 $192,195 $184,803 $184,803 $188,815 $188,815
19 $191,217 $191,217 $186,968 $186,968 $198,866 $198,866 $191,217 $191,217 $195,176 $195,176
20 $197,854 $197,854 $193,228 $193,228 $205,768 $205,768 $197,854 $197,854 $201,751 $201,751
21 $204,720 $204,720 $199,698 $199,698 $212,909 $212,909 $204,720 $204,720 $208,547 $208,547
22 $211,826 $211,826 $206,385 $206,385 $220,299 $220,299 $211,826 $211,826 $215,572 $215,572
23 $219,177 $219,177 $213,295 $213,295 $227,944 $227,944 $219,177 $219,177 $222,834 $222,834
24 $226,784 $226,784 $220,437 $220,437 $235,856 $235,856 $226,784 $226,784 $230,341 $230,341
25 $234,655 $234,655 $227,818 $227,818 $244,041 $244,041 $234,655 $234,655 $238,101 $238,101


Assumptions:

1. $100,000 initial investment.

2. Fund Expenses = 1.03%.

3. No optional death benefit(s) and/or optional living benefit(s) were
elected.

4. These reductions result in hypothetical net rates of return as follows:
Strategic Partners Advisor 3.47%; Strategic Partners Select 3.35%;
Strategic Partners Annuity One / Plus Bonus 3.47%; Strategic Partners
Annuity One / Plus Enhanced Non-Bonus 3.47%; Strategic Partners Annuity One
/ Plus Enhanced Bonus 3.37%.

5. The illustration above illustrates 100% invested into the variable
sub-accounts. Investments into the fixed rate accounts, as noted above, may
receive a higher rate of interest in one product over another causing
Contract Values to differ in relation to one another.

This supplement should be read and retained with the current prospectus for your
annuity contract. If you would like another copy of a current prospectus or a
statement of additional information, please contact us at (888) PRU-2888. This
supplement is intended to update information in the May 2, 2005 prospectus for
the variable annuity you own, and is not intended to be a prospectus or offer
for any other variable annuity referenced here that you do not own.


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