Pruco Life Insurance Company
Pruco Life Insurance Company of New Jersey
Strategic Partners Advisor
Strategic Partners Annuity One
Strategic Partners Plus
Strategic Partners Annuity One 3
Strategic Partners Plus 3
Strategic Partners FlexElite
Strategic Partners Select
Supplement, dated May 1, 2006
To
Prospectuses, dated May 1, 2006
In the Summary Of Contract Expenses section of each prospectus, we replace the
table entitled "Underlying Mutual Fund Portfolio Annual Expenses" with the
following table. Please note that the Evergreen funds listed in the following
table are offered only within Strategic Partners Plus and Strategic Partners
Plus 3.
UNDERLYING MUTUAL FUND PORTFOLIO ANNUAL EXPENSES
AS A PERCENTAGE OF THE AVERAGE NET ASSETS OF THE UNDERLYING PORTFOLIOS
TOTAL ANNUAL
MANAGEMENT OTHER PORTFOLIO OPERATING
FEES EXPENSES/1/ 12b-1 FEES EXPENSES
---------- ---------- ---------- -------------------
The Prudential Series Fund(Class I shares)/2/
Jennison Portfolio.................................... 0.60% 0.03% None 0.63%
Prudential Equity Portfolio/3/........................ 0.45% 0.02% None 0.47%
Prudential Global Portfolio/4/........................ 0.75% 0.07% None 0.82%
Prudential Money Market Portfolio..................... 0.40% 0.05% None 0.45%
Prudential Stock Index Portfolio...................... 0.35% 0.03% None 0.38%
Prudential Value Portfolio............................ 0.40% 0.03% None 0.43%
SP Aggressive Growth Asset Allocation Portfolio /5,6/. 0.83% 0.09% None 0.92%
SP AIM Core Equity Portfolio.......................... 0.85% 0.43% None 1.28%
SP Balanced Asset Allocation Portfolio /5,6/.......... 0.75% 0.10% None 0.85%
SP Conservative Asset Allocation Portfolio /5,6/...... 0.74% 0.04% None 0.78%
SP Davis Value Portfolio.............................. 0.75% 0.07% None 0.82%
SP Growth Asset Allocation Portfolio /5,6/............ 0.79% 0.09% None 0.88%
SP Large Cap Value Portfolio /5/...................... 0.80% 0.03% None 0.83%
SP LSV International Value Portfolio.................. 0.90% 0.16% None 1.06%
SP Mid Cap Growth Portfolio........................... 0.80% 0.22% None 1.02%
SP PIMCO High Yield Portfolio......................... 0.60% 0.07% None 0.67%
SP PIMCO Total Return Portfolio....................... 0.60% 0.02% None 0.62%
SP Prudential U.S. Emerging Growth Portfolio.......... 0.60% 0.20% None 0.80%
SP Small Cap Growth Portfolio......................... 0.95% 0.10% None 1.05%
AS A PERCENTAGE OF THE AVERAGE NET ASSETS OF THE UNDERLYING PORTFOLIOS
TOTAL ANNUAL
MANAGEMENT OTHER PORTFOLIO OPERATING
FEES EXPENSES/1/ 12b-1 FEES EXPENSES
---------- ---------- ---------- -------------------
SP Small-Cap Value Portfolio (formerly SP Goldman
Sachs Small Cap Value Portfolio)/7/.................. 0.90% 0.07% None 0.97%
SP Strategic Partners Focused Growth Portfolio......... 0.90% 0.24% None 1.14%
SP T. Rowe Price Large-Cap Growth Portfolio (formerly
SP AllianceBernstein Large-Cap Growth Portfolio)/8,9
/.................................................... 0.90% 0.26% None 1.16%
SP William Blair International Growth Portfolio........ 0.85% 0.13% None 0.98%
American Skandia Trust /2,10/
AST Advanced Strategies Portfolio...................... 0.85% 0.18% None 1.03%
AST Aggressive Asset Allocation Portfolio/11/.......... 1.04% 0.29% None 1.33%
AST AllianceBernstein Core Value Portfolio............. 0.75% 0.19% None 0.94%
AST AllianceBernstein Growth & Income Portfolio........ 0.75% 0.13% None 0.88%
AST AllianceBernstein Managed Index 500 Portfolio...... 0.60% 0.17% None 0.77%
AST American Century Income & Growth Portfolio......... 0.75% 0.18% None 0.93%
AST American Century Strategic Balanced Portfolio...... 0.85% 0.23% None 1.08%
AST Balanced Asset Allocation Portfolio/11/............ 0.95% 0.20% None 1.15%
AST Capital Growth Asset Allocation Portfolio/11/...... 1.00% 0.20% None 1.20%
AST Cohen & Steers Realty Portfolio.................... 1.00% 0.18% None 1.18%
AST Conservative Asset Allocation Portfolio/11/........ 0.94% 0.24% None 1.18%
AST DeAM Large-Cap Value Portfolio..................... 0.85% 0.22% None 1.07%
AST DeAM Small-Cap Growth Portfolio.................... 0.95% 0.20% None 1.15%
AST DeAM Small-Cap Value Portfolio..................... 0.95% 0.24% None 1.19%
AST Federated Aggressive Growth Portfolio.............. 0.95% 0.17% None 1.12%
AST First Trust Balanced Target Portfolio.............. 0.85% 0.19% None 1.04%
AST First Trust Capital Appreciation Target Portfolio.. 0.85% 0.19% None 1.04%
AST Global Allocation Portfolio........................ 0.86% 0.23% None 1.09%
AST Goldman Sachs Concentrated Growth Portfolio........ 0.90% 0.16% None 1.06%
AST Goldman Sachs Mid-Cap Growth Portfolio............. 1.00% 0.18% None 1.18%
AST High Yield Portfolio (formerly, AST Goldman Sachs
High Yield Portfolio)/12/............................ 0.75% 0.19% None 0.94%
AST JPMorgan International Equity Portfolio............ 0.88% 0.19% None 1.07%
AST Large-Cap Value Portfolio (formerly AST Hotchkis
and Wiley Large-Cap Value Portfolio)/13,14,15/....... 0.75% 0.16% None 0.91%
AST Lord Abbett Bond-Debenture Portfolio............... 0.80% 0.17% None 0.97%
AST Marsico Capital Growth Portfolio................... 0.90% 0.13% None 1.03%
AST MFS Global Equity Portfolio........................ 1.00% 0.26% None 1.26%
AST MFS Growth Portfolio............................... 0.90% 0.18% None 1.08%
AST Mid Cap Value Portfolio (formerly, AST Gabelli
All-Cap Value Portfolio)/16/......................... 0.95% 0.22% None 1.17%
AST Neuberger Berman Mid-Cap Growth Portfolio.......... 0.90% 0.18% None 1.08%
AST Neuberger Berman Mid-Cap Value Portfolio........... 0.89% 0.14% None 1.03%
AST PIMCO Limited Maturity Bond Portfolio.............. 0.65% 0.15% None 0.80%
AST Preservation Asset Allocation Portfolio/11/........ 0.89% 0.38% None 1.27%
AST Small-Cap Value Portfolio /13,17/.................. 0.90% 0.17% None 1.07%
AST T. Rowe Price Asset Allocation Portfolio........... 0.85% 0.23% None 1.08%
AST T. Rowe Price Global Bond Portfolio................ 0.80% 0.21% None 1.01%
AST T. Rowe Price Natural Resources Portfolio.......... 0.90% 0.18% None 1.08%
Evergreen Variable Annuity Trust
Evergreen VA Balanced Fund............................. 0.30% 0.20% None 0.50%
Evergreen VA Fundamental Large Cap Fund................ 0.58% 0.18% None 0.76%
Evergreen VA Growth Fund............................... 0.70% 0.22% None 0.92%
Evergreen VA International Equity Fund................. 0.41% 0.30% None 0.71%
Evergreen VA Omega Fund................................ 0.52% 0.19% None 0.71%
Evergreen VA Special Values Fund....................... 0.78% 0.19% None 0.97%
Gartmore Variable Insurance Trust.........................
GVIT Developing Markets Fund /18,19/................... 1.05% 0.37% 0.25% 1.67%
Janus Aspen Series
Large Cap Growth Portfolio -- Service Shares /19/...... 0.64% 0.02% 0.25% 0.91%
1. As noted above, shares of the Portfolios generally are purchased through
variable insurance products. Some of the Portfolios and/or their investment
advisers and/or distributors have entered into arrangements with us as the
issuer of the contract under which they compensate us
2
for providing ongoing services in lieu of the Series Fund and/or Trust
providing such services. Amounts paid by a Portfolio under those arrangements
are included under "Other Expenses."
2. The total actual operating expenses for certain of the Portfolios listed
above for the year ended December 31, 2005 were less than the amounts shown in
the table above, due to fee waivers, reimbursement of expenses, and expense
offset arrangements ("Arrangements"). These Arrangements are voluntary and may
be terminated at any time. In addition, the Arrangements may be modified
periodically. For more information regarding the Arrangements, please see the
prospectus and statement of additional information for the Portfolios.
3. Effective December 5, 2005, GE Asset Management was removed as sub-adviser
to a portion of the Portfolio. Salomon Brothers Asset Management, Inc. (an
existing co-sub-adviser to the Portfolio) assumed responsibility for the assets
previously managed by GE Asset Management.
4. Effective December 5, 2005, LSV Asset Management, Marsico Capital
Management, LLC, T. Rowe Price Associates, Inc., and William Blair & Company,
LLC became the sub-advisers of the Portfolio. Prior to December 5, 2005,
Jennison Associates LLC served as sub-adviser to the Portfolio.
5. Effective December 5, 2005, the Portfolio was closed to new purchasers and
to existing contract owners who had not previously invested in the Portfolio.
6. Each asset allocation portfolio invests in a combination of underlying
portfolios of The Prudential Series Fund. The total expenses for each asset
allocation portfolio are calculated as a blend of the fees of the underlying
portfolios, plus a 0.05% advisory fee payable to the investment adviser,
Prudential Investments LLC. The 0.05% advisory fee is included in the amount of
each investment advisory fee set forth in the table above.
7. Effective December 5, 2005, Salomon Brothers Asset Management Inc. began
managing a portion of the Portfolio's assets, then named "SP Goldman Sachs
Small Cap Value Portfolio."
8. Effective December 5, 2005, T. Rowe Price Associates replaced Alliance
Capital Management, L.P. as sub-adviser of the Portfolio, then named "SP
AllianceBernstein Large-Cap Growth Portfolio."
9. Effective March 20, 2006, Dreman Value Management LLC began managing a
portion of the Portfolio's assets.
10. 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.
11. Effective December 5, 2005, this Portfolio was added as a new asset
allocation portfolio.
12. Effective March 20, 2006, Pacific Investment Management Company LLC began
managing a portion of the Portfolio's assets, then named "AST Goldman Sachs
High Yield Portfolio."
13. Effective December 5, 2005, Salomon Brothers Asset Management Inc. began
managing a portion of the Portfolio's assets.
14. Effective December 5, 2005, J.P. Morgan Investment Management, Inc. began
managing a portion of the Portfolio's assets, then named "AST Hotchkis and
Wiley Large-Cap Value Portfolio."
15. Effective March 20, 2006, Dreman Value Management LLC began managing a
portion of the Portfolio's assets.
16. Effective December 5, 2005, EARNEST Partners, LLC and Wedge Capital
Management, LLP replaced GAMCO Investors, Inc. as sub-advisers to the
Portfolio, then named "AST Gabelli All-Cap Value Portfolio."
17. Effective March 20, 2006, Integrity Asset Management was removed as a
sub-adviser to a portion of the Portfolio's assets. Dreman Value Management LLC
was added as a sub-adviser and assumed responsibility for the assets previously
managed by Integrity Asset Management.
18. Effective January 1, 2006, the management fee was lowered to the base fee
described above. Beginning January 1, 2007, the management fee may be adjusted,
on a quarterly basis, upward or downward depending on the Fund's performance
relative to its benchmark, the MSCI Emerging Market Free Index. As a result,
beginning January 1, 2007, if the management fee were calculated taking into
account all base fee breakpoints and performance fee adjustments, the
management fee could range from 0.85% at its lowest to 1.15% at its highest.
19. Because the 12b-1 fee is charged as an ongoing fee, over time the fee will
increase the cost of your investment and may cost you more than paying other
types of sales charges
We make the following changes to the Appendix entitled "Selecting the Variable
Annuity That's Right For You":
. In the sub-heading entitled "Hypothetical Illustration, " within the
bullet that refers to the "average of all fund expenses", we replace the
reference to 0.99% with 1.00%.
. With respect to Pruco Life Insurance Company's Strategic Partners Annuity
One and Strategic Partners Plus, we replace the tables (and accompanying
footnotes) entitled "0% Gross Return" and "6% Gross Return" with the
first set of tables that follows.
. With respect to Pruco Life Insurance Company's Strategic Partners
Advisor, Strategic Partners Select, Strategic Partners FlexElite,
Strategic Partners Annuity One 3, and Strategic Partners Plus 3, and
Pruco Life Insurance Company of New Jersey's Strategic Partners Advisor,
Strategic Partners Select, Strategic Partners Annuity One 3, and
Strategic Partners Plus 3, we replace the tables (and accompanying
footnotes) entitled "0% Gross Return" and "6% Gross Return" with the
second set of tables that follows.
3
0% Gross Return
Strategic Partners Strategic Partners
Strategic Partners Annuity One /Plus Annuity One /Plus
Strategic Partners Advisor Strategic Partners Select Annuity One /Plus 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 $97,649 $97,649 $97,534 $91,406 $101,555 $95,255 $97,649 $91,513 $101,455 $94,138
2 $95,347 $95,347 $95,122 $90,015 $ 99,161 $92,861 $95,347 $90,226 $ 98,966 $91,848
3 $93,100 $93,100 $92,770 $88,632 $ 96,824 $90,524 $93,100 $88,945 $ 96,538 $89,615
4 $90,905 $90,905 $90,477 $87,257 $ 94,542 $89,469 $90,905 $87,669 $ 94,170 $87,436
5 $88,763 $88,763 $88,239 $85,892 $ 92,313 $88,197 $88,763 $86,400 $ 91,859 $86,129
6 $86,670 $86,670 $86,058 $84,536 $ 90,137 $86,931 $86,670 $85,137 $ 89,606 $84,829
7 $84,627 $84,627 $83,930 $83,190 $ 88,012 $85,672 $84,627 $83,881 $ 87,407 $83,537
8 $82,633 $82,633 $81,855 $81,855 $ 85,938 $84,419 $82,633 $82,633 $ 85,263 $85,263
9 $80,685 $80,685 $79,831 $79,831 $ 83,912 $83,173 $80,685 $80,685 $ 83,171 $83,171
10 $78,783 $78,783 $77,857 $77,857 $ 81,934 $81,934 $78,783 $78,783 $ 81,131 $81,131
11 $76,926 $76,926 $75,932 $75,932 $ 80,003 $80,003 $76,926 $76,926 $ 79,140 $79,140
12 $75,113 $75,113 $74,054 $74,054 $ 78,117 $78,117 $75,113 $75,113 $ 77,199 $77,199
13 $73,342 $73,342 $72,189 $72,189 $ 76,276 $76,276 $73,342 $73,342 $ 75,305 $75,305
14 $71,613 $71,613 $70,370 $70,370 $ 74,478 $74,478 $71,579 $71,579 $ 73,457 $73,457
15 $69,925 $69,925 $68,596 $68,596 $ 72,722 $72,722 $69,858 $69,858 $ 71,621 $71,621
16 $68,277 $68,277 $66,866 $66,866 $ 71,008 $71,008 $68,177 $68,177 $ 69,829 $69,829
17 $66,667 $66,667 $65,178 $65,178 $ 69,334 $69,334 $66,536 $66,536 $ 68,082 $68,082
18 $65,096 $65,096 $63,532 $63,532 $ 67,700 $67,700 $64,933 $64,933 $ 66,378 $66,378
19 $63,562 $63,562 $61,927 $61,927 $ 66,104 $66,104 $63,368 $63,368 $ 64,715 $64,715
20 $62,063 $62,063 $60,362 $60,362 $ 64,546 $64,546 $61,840 $61,840 $ 63,093 $63,093
21 $60,600 $60,600 $58,835 $58,835 $ 63,024 $63,024 $60,348 $60,348 $ 61,511 $61,511
22 $59,172 $59,172 $57,346 $57,346 $ 61,539 $61,539 $58,892 $58,892 $ 59,968 $59,968
23 $57,777 $57,777 $55,894 $55,894 $ 60,088 $60,088 $57,469 $57,469 $ 58,462 $58,462
24 $56,415 $56,415 $54,478 $54,478 $ 58,672 $58,672 $56,081 $56,081 $ 56,994 $56,994
25 $55,085 $55,085 $53,097 $53,097 $ 57,289 $57,289 $54,724 $54,724 $ 55,562 $55,562
Assumptions:
1. $100,000 initial investment
2. As of December 31, 2005 the average fund expenses = 1.00%
3. No optional death benefit(s) and/or living benefit(s) were elected
4. These reductions result in hypothetical net rates of return as follows:
Strategic Partners Advisor -2.36%, Strategic Partners Select -2.47%, Strategic
Partners Annuity One/Plus Bonus -2.36%, Strategic Partners Annuity One/Plus
Enhanced Non-Bonus -2.36%, Strategic Partners Annuity One/Plus Enhanced Bonus
- -2.45%
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
6. Surrender Value assumes surrender 2 days prior to contract anniversary
4
6% Gross Return
Strategic Partners Strategic Partners
Strategic Partners Annuity One /Plus Annuity One/Plus
Strategic Partners Advisor Strategic Partners Select Annuity One/Plus 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 $103,492 $103,492 $103,370 $ 96,834 $107,631 $101,331 $103,492 $ 96,948 $107,526 $ 99,724
2 $107,115 $107,115 $106,863 $101,051 $111,400 $105,100 $107,115 $101,289 $111,181 $103,087
3 $110,866 $110,866 $110,473 $105,450 $115,300 $109,000 $110,866 $105,823 $114,960 $106,564
4 $114,748 $114,748 $114,206 $110,039 $119,338 $112,778 $114,748 $110,558 $118,868 $110,160
5 $118,765 $118,765 $118,065 $114,824 $123,516 $117,841 $118,765 $115,503 $122,909 $115,006
6 $122,924 $122,924 $122,055 $119,814 $127,841 $123,128 $122,924 $120,666 $127,087 $120,063
7 $127,228 $127,228 $126,179 $125,018 $132,317 $128,648 $127,228 $126,056 $131,407 $125,338
8 $131,683 $131,683 $130,443 $130,443 $136,950 $134,411 $131,683 $131,683 $135,875 $135,875
9 $136,293 $136,293 $134,851 $134,851 $141,745 $140,428 $136,293 $136,293 $140,493 $140,493
10 $141,066 $141,066 $139,407 $139,407 $146,708 $146,708 $141,066 $141,066 $145,269 $145,269
11 $146,005 $146,005 $144,118 $144,118 $151,845 $151,845 $146,005 $146,005 $150,208 $150,208
12 $151,117 $151,117 $148,988 $148,988 $157,162 $157,162 $151,117 $151,117 $155,314 $155,314
13 $156,408 $156,408 $154,022 $154,022 $162,665 $162,665 $156,408 $156,408 $160,594 $160,594
14 $161,885 $161,885 $159,227 $159,227 $168,360 $168,360 $161,885 $161,885 $166,053 $166,053
15 $167,553 $167,553 $164,607 $164,607 $174,255 $174,255 $167,553 $167,553 $171,698 $171,698
16 $173,420 $173,420 $170,169 $170,169 $180,356 $180,356 $173,420 $173,420 $177,534 $177,534
17 $179,492 $179,492 $175,919 $175,919 $186,671 $186,671 $179,492 $179,492 $183,570 $183,570
18 $185,776 $185,776 $181,863 $181,863 $193,207 $193,207 $185,776 $185,776 $189,810 $189,810
19 $192,281 $192,281 $188,009 $188,009 $199,972 $199,972 $192,281 $192,281 $196,262 $196,262
20 $199,014 $199,014 $194,362 $194,362 $206,974 $206,974 $199,014 $199,014 $202,934 $202,934
21 $205,982 $205,982 $200,929 $200,929 $214,221 $214,221 $205,982 $205,982 $209,833 $209,833
22 $213,194 $213,194 $207,719 $207,719 $221,722 $221,722 $213,194 $213,194 $216,966 $216,966
23 $220,659 $220,659 $214,737 $214,737 $229,485 $229,485 $220,659 $220,659 $224,341 $224,341
24 $228,385 $228,385 $221,994 $221,994 $237,520 $237,520 $228,385 $228,385 $231,968 $231,968
25 $236,382 $236,382 $229,495 $229,495 $245,837 $245,837 $236,382 $236,382 $239,853 $239,853
Assumptions:
1. $100,000 initial investment
2. As of December 31, 2005 the average fund expenses = 1.00%
3. No optional death benefit(s) and/or living benefit(s) were elected
4. These reductions result in hypothetical net rates of return as follows:
Strategic Partners Advisor: 3.50%, Strategic Partners Select: 3.38%, Strategic
Partners Annuity One/Plus Bonus: 3.50%, Strategic Partners Annuity One/Plus
Enhanced Non-Bonus: 3.50%, Strategic Partners Annuity One/Plus Enhanced Bonus:
3.40%
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
6. Surrender Value assumes surrender 2 days prior to contract anniversary
5
0% Gross Return
Strategic Partners Strategic Partners
Strategic Partners Annuity One 3/Plus 3 Annuity One 3/Plus 3
Strategic Partners Advisor Strategic Partners Select Flex Elite 2 Non Bonus Bonus
-------------------------- ------------------------- ------------------ -------------------- --------------------
Contract Surrender Contract Surrender Contract Surrender Contract Surrender Contract Surrender
Value Value Value Value Value Value Value Value Value Value
-------- --------- -------- --------- -------- --------- -------- --------- -------- ---------
1 $97,649 $97,649 $97,534 $91,406 $97,410 $91,291 $97,649 $91,513 $101,455 $94,138
2 $95,347 $95,347 $95,122 $90,015 $94,831 $88,892 $95,347 $90,226 $ 98,966 $91,848
3 $93,100 $93,100 $92,770 $88,632 $92,319 $86,556 $93,100 $88,945 $ 96,538 $89,615
4 $90,905 $90,905 $90,477 $87,257 $89,873 $89,873 $90,905 $87,669 $ 94,170 $87,436
5 $88,763 $88,763 $88,239 $85,892 $87,490 $87,490 $88,763 $86,400 $ 91,859 $86,129
6 $86,670 $86,670 $86,058 $84,536 $85,168 $85,168 $86,670 $85,137 $ 89,606 $84,829
7 $84,627 $84,627 $83,930 $83,190 $82,908 $82,908 $84,627 $83,881 $ 87,407 $83,537
8 $82,633 $82,633 $81,855 $81,855 $80,706 $80,706 $82,633 $82,633 $ 85,263 $85,263
9 $80,685 $80,685 $79,831 $79,831 $78,561 $78,561 $80,685 $80,685 $ 83,171 $83,171
10 $78,783 $78,783 $77,857 $77,857 $76,471 $76,471 $78,783 $78,783 $ 81,131 $81,131
11 $76,926 $76,926 $75,932 $75,932 $74,437 $74,437 $76,926 $76,926 $ 79,140 $79,140
12 $75,113 $75,113 $74,054 $74,054 $72,454 $72,454 $75,113 $75,113 $ 77,199 $77,199
13 $73,342 $73,342 $72,189 $72,189 $70,524 $70,524 $73,342 $73,342 $ 75,305 $75,305
14 $71,613 $71,613 $70,370 $70,370 $68,643 $68,643 $71,579 $71,579 $ 73,457 $73,457
15 $69,925 $69,925 $68,596 $68,596 $66,812 $66,812 $69,858 $69,858 $ 71,621 $71,621
16 $68,277 $68,277 $66,866 $66,866 $65,028 $65,028 $68,177 $68,177 $ 69,829 $69,829
17 $66,667 $66,667 $65,178 $65,178 $63,290 $63,290 $66,536 $66,536 $ 68,082 $68,082
18 $65,096 $65,096 $63,532 $63,532 $61,597 $61,597 $64,933 $64,933 $ 66,378 $66,378
19 $63,562 $63,562 $61,927 $61,927 $59,949 $59,949 $63,368 $63,368 $ 64,715 $64,715
20 $62,063 $62,063 $60,362 $60,362 $58,343 $58,343 $61,840 $61,840 $ 63,093 $63,093
21 $60,600 $60,600 $58,835 $58,835 $56,779 $56,779 $60,348 $60,348 $ 61,511 $61,511
22 $59,172 $59,172 $57,346 $57,346 $55,256 $55,256 $58,892 $58,892 $ 59,968 $59,968
23 $57,777 $57,777 $55,894 $55,894 $53,772 $53,772 $57,469 $57,469 $ 58,462 $58,462
24 $56,415 $56,415 $54,478 $54,478 $52,326 $52,326 $56,081 $56,081 $ 56,994 $56,994
25 $55,085 $55,085 $53,097 $53,097 $50,919 $50,919 $54,724 $54,724 $ 55,562 $55,562
Assumptions:
1. $100,000 initial investment
2. As of December 31, 2005 the average fund expenses = 1.00%
3. No optional death benefit(s) and/or living benefit(s) were elected
4. These reductions result in hypothetical net rates of return as follows:
Strategic Partners Advisor -2.36%, Strategic Partners Select -2.47%, Strategic
Partners FlexElite 2 -2.63%, Strategic Partners Annuity One 3 Non-Bonus -2.36%,
Strategic Partners Annuity Bonus -2.45%
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
6. Surrender Value assumes surrender 2 days prior to contract anniversary
7. 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. Please note that Strategic Partners FlexElite 2 is not
available through Pruco Life Insurance Company of New Jersey in the state of
New York.
6
6% Gross Return
Strategic Partners Strategic Partners
Strategic Partners Annuity One 3/Plus 3 Annuity One 3/Plus 3
Strategic Partners Advisor Strategic Partners Select Elite 2 Non Bonus Bonus
-------------------------- ------------------------- ------------------ -------------------- --------------------
Contract Surrender Contract Surrender Contract Surrender Contract Surrender Contract Surrender
Value Value Value Value Value Value Value Value Value Value
---------- --------- ---------- --------- -------- --------- -------- --------- -------- ---------
1 $103,492 $103,492 $103,370 $ 96,834 $103,238 $ 96,712 $103,492 $ 96,948 $107,526 $ 99,724
2 $107,115 $107,115 $106,863 $101,051 $106,590 $ 99,829 $107,115 $101,289 $111,181 $103,087
3 $110,866 $110,866 $110,473 $105,450 $110,050 $103,048 $110,866 $105,823 $114,960 $106,564
4 $114,748 $114,748 $114,206 $110,039 $113,624 $113,624 $114,748 $110,558 $118,868 $110,160
5 $118,765 $118,765 $118,065 $114,824 $117,313 $117,313 $118,765 $115,503 $122,909 $115,006
6 $122,924 $122,924 $122,055 $119,814 $121,122 $121,122 $122,924 $120,666 $127,087 $120,063
7 $127,228 $127,228 $126,179 $125,018 $125,054 $125,054 $127,228 $126,056 $131,407 $125,338
8 $131,683 $131,683 $130,443 $130,443 $129,115 $129,115 $131,683 $131,683 $135,875 $135,875
9 $136,293 $136,293 $134,851 $134,851 $133,307 $133,307 $136,293 $136,293 $140,493 $140,493
10 $141,066 $141,066 $139,407 $139,407 $137,635 $137,635 $141,066 $141,066 $145,269 $145,269
11 $146,005 $146,005 $144,118 $144,118 $142,104 $142,104 $146,005 $146,005 $150,208 $150,208
12 $151,117 $151,117 $148,988 $148,988 $146,718 $146,718 $151,117 $151,117 $155,314 $155,314
13 $156,408 $156,408 $154,022 $154,022 $151,481 $151,481 $156,408 $156,408 $160,594 $160,594
14 $161,885 $161,885 $159,227 $159,227 $156,400 $156,400 $161,885 $161,885 $166,053 $166,053
15 $167,553 $167,553 $164,607 $164,607 $161,478 $161,478 $167,553 $167,553 $171,698 $171,698
16 $173,420 $173,420 $170,169 $170,169 $166,720 $166,720 $173,420 $173,420 $177,534 $177,534
17 $179,492 $179,492 $175,919 $175,919 $172,134 $172,134 $179,492 $179,492 $183,570 $183,570
18 $185,776 $185,776 $181,863 $181,863 $177,722 $177,722 $185,776 $185,776 $189,810 $189,810
19 $192,281 $192,281 $188,009 $188,009 $183,493 $183,493 $192,281 $192,281 $196,262 $196,262
20 $199,014 $199,014 $194,362 $194,362 $189,450 $189,450 $199,014 $199,014 $202,934 $202,934
21 $205,982 $205,982 $200,929 $200,929 $195,601 $195,601 $205,982 $205,982 $209,833 $209,833
22 $213,194 $213,194 $207,719 $207,719 $201,952 $201,952 $213,194 $213,194 $216,966 $216,966
23 $220,659 $220,659 $214,737 $214,737 $208,509 $208,509 $220,659 $220,659 $224,341 $224,341
24 $228,385 $228,385 $221,994 $221,994 $215,279 $215,279 $228,385 $228,385 $231,968 $231,968
25 $236,382 $236,382 $229,495 $229,495 $222,269 $222,269 $236,382 $236,382 $239,853 $239,853
Assumptions:
1. $100,000 initial investment
2. As of December 31, 2005 the average fund expenses = 1.00%
3. No optional death benefit(s) and/or living benefit(s) were elected
4. These reductions result in hypothetical net rates of return as follows:
Strategic Partners Advisor: 3.50%, Strategic Partners Select: 3.38%, Strategic
Partners FlexElite 2: 3.21%, Strategic Partners Annuity One 3 Non-Bonus: 3.50%,
Strategic Partners Annuity One 3 Bonus: 3.40%
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
6. Surrender Value assumes surrender 2 days prior to contract anniversary
7. 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. Please note that Strategic Partners FlexElite 2 is not
available through Pruco Life Insurance Company of New Jersey in the state of
New York.
This prospectus supplement is intended to amend the prospectus for the Contract
you own, and is not intended to be a prospectus or offer for any Contract
listed here that you do not own.
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