Variable Universal Life

	Average Annual Total Returns As of 10/31/2009							Average Annual Total Returns As of 9/30/2009
Investment Option Subaccounts	Inception Date	YTD %	1 Year %	3 Years %	5 Years %	10 Years %	Since Inception %	1 Year %	5 Years %	10 Yrs/Since Inception %
Global/International Equity:
Global	09/19/88	23.06	17.45	-6.92	2.73	-0.52	5.68	-2.28	3.70	0.21
SP International Growth	09/22/00	27.63	26.77	-7.18	2.83	N/A	-3.87	-0.42	4.08	-3.58
SP International Value	09/22/00	27.55	25.90	-4.19	6.08	N/A	0.73	2.07	7.02	0.90
T.Rowe Price International Stock	03/31/94	41.77	38.06	-4.63	4.17	0.02	3.32	5.53	5.18	0.50
Large-Cap Growth:
AST Marsico Capital Growth	12/23/97	19.28	6.83	-7.29	-0.79	-0.83	3.77	-9.34	-0.44	0.01
AST T. Rowe Price Large Cap Growth	05/02/96	37.91	28.72	-3.12	2.94	-1.69	2.77	8.78	3.54	-1.07
Jennison	05/01/95	29.64	21.64	-2.76	2.16	-2.32	6.20	2.76	2.87	-1.46
SP Strategic Partners Focused Growth	09/22/00	31.34	21.32	-1.85	2.48	N/A	-3.39	1.81	2.84	-3.38
Janus Aspen Series Janus - Inst Shrs¹	09/13/93	23.83	17.65	-4.40	1.05	-3.41	5.40	-0.98	1.92	-2.46
MFS^® Growth Series	07/24/95	25.49	16.14	-0.70	3.73	-2.05	5.53	0.00	5.01	-1.31
Large-Cap Blend:
Equity	01/13/84	25.16	16.57	-4.54	2.13	1.09	9.30	-1.85	2.71	1.38
Stock Index	10/19/87	16.18	8.93	-7.76	-0.50	-1.75	9.45	-7.57	0.17	-0.97
Large-Cap Value:
AST Large Cap Value	01/04/94	11.45	4.23	-13.27	-2.76	-1.70	3.97	-11.89	-2.23	-1.06
SP Davis Value	09/22/00	20.99	10.20	-7.81	0.00	N/A	0.22	-7.90	0.54	0.40
Value	02/19/88	28.69	20.67	-7.29	2.59	3.73	8.91	-0.15	3.61	4.05
Mid-Cap Growth:
SP Mid Cap Growth	09/22/00	18.08	7.32	-7.94	-2.35	N/A	-6.53	-9.21	-1.36	-6.23
SP Prudential U.S. Emerging Growth	09/22/00	28.94	19.42	-0.76	6.18	N/A	-0.47	1.67	7.82	-0.15
Mid-Cap Value:
American Century VP Value	05/01/96	11.06	5.54	-7.50	0.26	4.32	6.19	-6.63	0.67	4.56
Small-Cap Growth:
AST Small Cap Growth	01/04/94	18.75	13.18	-5.67	0.36	-5.32	3.42	-7.03	2.16	-3.04
Small-Cap Value:
SP Small Cap Value	09/22/00	15.13	7.39	-7.72	-0.02	N/A	3.67	-8.39	1.24	4.43
Balanced:
Conservative Balanced	01/13/84	14.52	13.96	-1.21	2.17	1.96	6.96	2.39	2.49	2.20
Flexible Managed	01/13/84	13.34	11.87	-2.85	1.89	1.51	7.48	-0.68	2.23	1.79
Fixed Income:
Diversified Bond	01/13/84	18.55	23.18	6.46	5.18	5.92	7.41	14.66	5.01	5.75
High Yield Bond	02/23/87	40.74	36.84	4.22	5.08	4.83	6.07	15.23	5.08	4.58
SP PIMCO High Yield	09/22/00	38.73	36.41	2.82	3.93	N/A	5.67	14.48	3.90	5.50
SP PIMCO Total Return	09/22/00	13.40	21.41	7.01	5.21	N/A	6.32	17.00	5.26	6.31
Money Market:
Money Market 7-Day Current Net Yield as of 10/31/2009: -0.55 %	01/13/84	-0.10	0.10	2.35	2.57	2.41	4.30	0.31	2.60	2.45
Asset Allocation Profile:
SP Aggressive Growth Asset Allocation	09/22/00	19.91	12.52	-7.94	0.44	N/A	-2.05	-6.04	1.23	-1.86
SP Balanced Asset Allocation	09/22/00	17.29	16.13	-2.32	2.50	N/A	1.70	2.27	3.02	1.81
SP Conservative Asset Allocation	09/22/00	15.90	17.50	0.68	3.48	N/A	3.22	6.76	3.86	3.30
SP Growth Asset Allocation	09/22/00	18.24	13.81	-5.53	1.33	N/A	-0.28	-2.60	2.01	-0.12

The average annual total returns reflect the reinvestment of all dividends and capital gains, and the deduction of investment management fees, expenses, as well as Variable Universal Life's specific Mortality and Expense Risk Charge. The returns do not reflect other life insurance policy charges (sales, administration, and actual cost of insurance) nor any applicable surrender or lapse charges, which would significantly lower the stated returns. For these returns, we assume, hypothetically, that the contract was allocated to each underlying portfolio from the date that the portfolio was first made available through the separate account that supports your variable life contract. You may obtain a personalized illustration of historical performance, from your licensed financial professional, which reflects the cost of your policy's insurance protection.

Please refer to the hypothetical illustrations in the prospectus which shows the effect of performance of various assumptions regarding the cost for insurance protection.

The returns may reflect hypothetical investment experience as though Variable Universal Life has been in existence since the inception of the indicated portfolio. Pruco Life's Variable Universal Life and Prudential's Variable Universal Life were first offered in January 1997 and January 1999, respectively.

Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that an investor's units, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the past performance data quoted.

THIS MATERIAL MUST BE PRECEDED OR ACCOMPANIED BY A CURRENT PROSPECTUS AND PRODUCT MATERIAL (Product brochure/Information or Illustration).

¹The Janus Aspen Series Janus Portfolio was formerly known as the Janus Aspen Large Cap Growth Portfolio. The effective date of this change was May 1, 2009.

With respect to the SP Portfolios of The Prudential Series Fund, Inc., the Portfolio's investment manager (Prudential Investments LLC) is absorbing a portion of the expenses of certain portfolios. That expense absorption may be discontinued at any time. Absent such expense absorption, the performance quoted would be lower. Performance returns without the expense absorption are available without charge upon request from your variable life and variable annuity customer service call centers.

Investors should consider the contract and the underlying portfolios' investment objectives, risks, and charges and expenses carefully before investing. The contract's prospectus and the underlying portfolio prospectus contain information relating to investment objectives, risks, and charges and expenses as well as other important information. You should read the prospectuses carefully before investing.

An investment in the Prudential Series Fund Money Market Portfolio is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Portfolio seeks to preserve the value of your investment at $10.00 per share, it is possible to lose money by investing in the Portfolio. The yield quotation more closely reflects the current earnings of the Money Market Portfolio than the total return quotation.

The chart listed above shows the historical performance of the Prudential Series Fund, Inc., subaccounts, and outside fund investment options of the Pruco Life Variable Appreciable Account and The Prudential Variable Appreciable Account ("The Accounts"). The Accounts are available through Prudential's and Pruco Life's Variable Universal Life insurance policies.

The Prudential Series Fund investment portfolios are available to the public only through variable life and variable annuity contracts. The performance of these portfolios is not related to that of any other retail mutual funds, despite any similarities in their names, investment objectives or policies.

Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. For cost and complete details for coverage, contact your licensed financial professional or refer to the prospectus.

Variable Universal Life is issued by Pruco Life Insurance Company, 213 Washington Street, Newark, NJ 07102-2992 (except in New York, where it is issued by The Prudential Insurance Company of America, 751 Broad Street, Newark, NJ 07102-3777) and is distributed by Pruco Securities LLC (member SIPC), 751 Broad Street, Newark, NJ 07102-3777. All are Prudential Financial companies. Each company is solely responsible for its own respective financial conditions and contractual obligations. Prudential Financial and the Rock logo are registered service marks of The Prudential Insurance Company of America, Newark, NJ, and its affiliates.

The policy contract number for Variable Universal Life is VUL-97.

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VUL IFS-A120034
Edition 4/2009