Form: 424B3

Prospectus [Rule 424(b)(3)]

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

Published on

As Filed Pursuant to Rule 424(b)(3)
Registration No. 333-103474


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 other expenses to
be paid by the Underlying Portfolios to the Investment Managers and other
service providers,


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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
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EXAMPLE 2A: EXAMPLE 2B:
IF YOU WITHDRAW YOUR ASSETS IF YOU DO NOT WITHDRAW YOUR ASSETS
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1YR 3YR 5YR 10YR 1YR 3YR 5YR 10YR
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$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
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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
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LARGE CAP PRUDENTIAL EQUITY PORTFOLIO: seeks long-term growth of capital. The Portfolio invests Jennison Associates LLC
BLEND at least 80% of its net assets plus borrowings for investment purposes in common stocks / Salomon Brothers
of major established corporations as well as smaller companies that the Sub-advisers Asset Management, Inc.
believe offer attractive prospects of appreciation.
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INTERNATIONAL PRUDENTIAL GLOBAL PORTFOLIO: seeks long-term growth of capital. The Portfolio invests LSV Asset Management /
EQUITY primarily in common stocks (and their equivalents) of foreign and U.S. companies. Each Marsico Capital
Sub-adviser for the Portfolio generally will use either a "growth" approach or a Management, LLC / T.
"value" approach in selecting either foreign or U.S. common stocks. Rowe Price Associates,
Inc. / William Blair &
Company, LLC
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LARGE CAP SP T. ROWE PRICE LARGE-CAP GROWTH PORTFOLIO (FORMERLY SP ALLIANCEBERNSTEIN LARGE-CAP T. Rowe Price
GROWTH GROWTH PORTFOLIO): seeks long-term capital growth. Under normal circumstances, the Associates, Inc.
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.
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SMALL CAP SP SMALL-CAP VALUE PORTFOLIO (FORMERLY SP GOLDMAN SACHS SMALL CAP VALUE PORTFOLIO): Goldman Sachs Asset
VALUE seeks long-term capital growth. The Portfolio normally invests at least 80% its net Management, L.P. /
assets plus borrowings for investment purposes in the equity securities of small Salomon Brothers Asset
capitalization companies. The Portfolio focuses on equity securities that are believed Management Inc.
to be undervalued in the marketplace.
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MID-CAP GROWTH AST NEUBERGER BERMAN MID-CAP GROWTH PORTFOLIO (AST ALGER ALL-CAP GROWTH PORTFOLIO Neuberger Berman
MERGED INTO THIS PORTFOLIO): seeks capital growth. Under normal market conditions, Management Inc.
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.
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LARGE CAP AST ALLIANCEBERNSTEIN MANAGED INDEX 500 PORTFOLIO (AST ALLIANCEBERNSTEIN GROWTH + VALUE Alliance Capital
BLEND PORTFOLIO MERGED INTO THIS PORTFOLIO): seeks to outperform the Standard & Poor's 500 Management, L.P.
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.
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MID CAP AST MID CAP VALUE PORTFOLIO (FORMERLY AST GABELLI ALL-CAP VALUE PORTFOLIO): seeks to EARNEST Partners LLC /
VALUE provide capital growth by investing primarily in mid-capitalization stocks that appear Wedge Capital
to be undervalued. The Portfolio has a non-fundamental policy to invest, under normal Management, LLP
circumstances, at least 80% of the value of its net assets in mid-capitalization
companies.
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LARGE CAP AST LARGE-CAP VALUE PORTFOLIO (FORMERLY AST HOTCHKIS & WILEY LARGE-CAP VALUE Hotchkis and Wiley
VALUE PORTFOLIO): seeks current income and long-term growth of income, as well as capital Capital Management, LLC
appreciation. The Portfolio invests, under normal circumstances, at least 80% of its / J.P. Morgan
net assets in common stocks of large cap U.S. companies. The Portfolio focuses on Investment Management,
common stocks that have a high cash dividend or payout yield relative to the market or Inc.
that possess relative value within sectors.
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PORTFOLIO
STYLE/ ADVISER/
TYPE INVESTMENT OBJECTIVES/POLICIES SUB-ADVISER
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SMALL CAP AST SMALL-CAP VALUE PORTFOLIO: seeks to provide long-term capital growth by investing Integrity Asset
VALUE primarily in small-capitalization stocks that appear to be undervalued. The Portfolio Management / Lee Munder
will have a non-fundamental policy to invest, under normal circumstances, at least 80% Investments, Ltd. /
of the value of its net assets in small capitalization stocks. The Portfolio will J.P. Morgan Investment
focus on common stocks that appear to be undervalued. Management, Inc. /
Salomon Brothers Asset
Management Inc.
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ASSET AST AGGRESSIVE ASSET ALLOCATION PORTFOLIO: seeks the highest potential total return American Skandia
ALLOCATION/ consistent with its specified level of risk tolerance. The Portfolio will invest its Investment
BALANCED assets in several other American Skandia Trust Portfolios. Under normal market Services, Inc. /
conditions, the Portfolio will devote between 92.5% to 100% of its net assets to Prudential Investments
underlying portfolios investing primarily in equity securities, and 0% to 7.5% of its LLC
net assets to underlying portfolios investing primarily in debt securities and money
market instruments.
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ASSET AST CAPITAL GROWTH ASSET ALLOCATION PORTFOLIO: seeks the highest potential total return American Skandia
ALLOCATION/ consistent with its specified level of risk tolerance. The Portfolio will invest its Investment
BALANCED assets in several other American Skandia Trust Portfolios. Under normal market Services, Inc. /
conditions, the Portfolio will devote between 72.5% to 87.5% of its net assets to Prudential Investments
underlying portfolios investing primarily in equity securities, and 12.5% to 27.5% LLC
of its net assets to underlying portfolios investing primarily in debt securities and
money market instruments.
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ASSET AST BALANCED ASSET ALLOCATION PORTFOLIO: seeks the highest potential total return American Skandia
ALLOCATION/ consistent with its specified level of risk tolerance. The Portfolio will invest its Investment
BALANCED assets in several other American Skandia Trust Portfolios. Under normal market Services, Inc. /
conditions, the Portfolio will devote between 57.5% to 72.5% of its net assets to Prudential Investments
underlying portfolios investing primarily in equity securities, and 27.5% to 42.5% LLC
of its net assets to underlying portfolios investing primarily in debt securities and
money market instruments.
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ASSET AST CONSERVATIVE ASSET ALLOCATION PORTFOLIO: seeks the highest potential total return American Skandia
ALLOCATION/ consistent with its specified level of risk tolerance. The Portfolio will invest its Investment
BALANCED assets in several other American Skandia Trust Portfolios. Under normal market Services, Inc. /
conditions, the Portfolio will devote between 47.5% to 62.5% of its net assets to Prudential Investments
underlying portfolios investing primarily in equity securities, and 37.5% to 52.5% of LLC
its net assets to underlying portfolios investing primarily in debt securities and
money market instruments.
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ASSET AST PRESERVATION ASSET ALLOCATION PORTFOLIO: seeks the highest potential total return American Skandia
ALLOCATION/ consistent with its specified level of risk tolerance. The Portfolio will invest its Investment
BALANCED assets in several other American Skandia Trust Portfolios. Under normal market Services, Inc. /
conditions, the Portfolio will devote between 27.5% to 42.5% of its net assets to Prudential Investments
underlying portfolios investing primarily in equity securities, and 57.5% to 72.5% of LLC
its net assets to underlying portfolios investing primarily in debt securities and
money market instruments.
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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."

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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