Pruco Life's and Pruco Life of NJ's
PruLife® Custom Premier II
Monthly Performance Review - 10/31/2009
Past performance does not guarantee future results. Current performance may be lower or higher than the past performance data quoted. 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. The most recent month end performance is available at www.prudential.com.
  Average Annual Total Returns
As of 10/31/2009
Average Annual Total Returns
As of 9/30/2009
Investment Option SubaccountsInception DateYTD
%
1 Year
%
3 Years
%
5 Years
%
10 Years
%
Since
Inception
%
1 Year
%
5 Years
%
10 Yrs/Since
Inception
%
Specialty:          
AST Cohen Steers Realty12/22/9715.146.37-14.830.699.736.10-22.033.009.97
AST T. Rowe Price Natural Resources04/28/9537.9823.450.559.7312.0612.06-7.749.7011.79
Natural Resources04/17/8958.1955.675.4117.2019.2114.116.6017.5418.52
Dreyfus Socially Responsible Growth01/02/0122.8614.96-4.250.82N/A-3.49-1.171.56-3.25
MFS Utilities Series IC01/03/9521.5519.181.0610.316.4211.835.2812.107.47
Neuberger Berman AMT Socially Responsive05/01/0620.399.33-6.79N/AN/A-4.82-9.11N/A-4.00
Global/International Equity:          
AST JPMorgan International Equity05/17/8928.1527.28-5.034.50-0.165.963.755.500.75
AST MFS Global Equity10/19/9922.0018.62-2.815.253.583.571.686.153.79
Global04/17/8923.5918.06-6.453.26-0.025.65-1.774.230.72
SP International Growth09/22/0028.1827.42-6.713.35N/A-3.390.094.61-3.10
SP International Value09/22/0028.0726.52-3.716.62N/A1.212.577.561.38
Janus Aspen Series Overseas108/03/9460.9251.962.6916.547.2411.6325.3018.668.74
Large-Cap Growth:          
AST Marsico Capital Growth12/23/9719.777.36-6.82-0.29-0.343.86-8.890.060.51
AST MFS Growth10/15/9914.615.84-4.681.14-2.41-2.39-10.271.96-2.18
AST T. Rowe Price Large Cap Growth05/02/9638.4829.36-2.643.45-1.203.289.324.06-0.57
Jennison05/01/9530.1822.25-2.272.68-1.846.743.293.39-0.97
Jennison 20/20 Focus05/03/9940.7529.71-0.587.295.005.136.587.685.39
SP Strategic Partners Focused Growth09/22/0031.8921.92-1.363.00N/A-3.142.313.36-3.14
Large-Cap Blend:          
Equity04/17/8925.6817.16-4.062.641.588.40-1.363.221.88
Stock Index04/17/8916.679.48-7.290.00-1.278.10-7.110.67-0.48
Large-Cap Value:          
AST DeAm Large-Cap Value10/20/0010.576.08-10.160.32N/A0.98-8.951.511.38
AST Large Cap Value01/04/9411.924.75-12.84-2.27-1.214.49-11.45-1.74-0.56
SP Davis Value09/22/0021.4910.76-7.350.50N/A0.76-7.441.040.93
Mid-Cap Growth:          
AST Goldman Sachs Mid-Cap Growth04/28/0040.3726.750.833.72N/A-7.371.355.07-7.14
AST Neuberger Berman Mid-Cap Growth210/18/9417.657.54-5.462.790.175.79-9.684.211.40
SP Mid Cap Growth09/22/0018.567.84-7.49-1.86N/A-6.11-8.78-0.87-5.81
SP Prudential U.S. Emerging Growth09/22/0029.4920.04-0.256.71N/A-0.012.198.360.31
Mid-Cap Blend:          
Dreyfus MidCap Stock-Service Shares05/04/9823.0613.60-14.44-7.21-0.58-0.68-7.03-6.210.22
JPMorgan Insurance Trust Intrepid Mid Cap03/30/9521.8217.19-7.682.514.597.52-1.953.385.40
Mid-Cap Value:          
American Century VP Mid Cap Value12/02/0418.0815.58-3.14N/AN/A3.69-2.01N/A4.25
Small-Cap Growth:          
AST Federated Aggressive Growth10/18/0019.0911.47-8.440.64N/A-0.36-3.433.240.55
AST Neuberger Berman Small-Cap Growth12/18/988.03-3.01-9.13-2.50-2.68-1.74-13.60-0.57-1.69
AST Small Cap Growth01/04/9419.2513.74-5.200.86-4.853.93-6.572.67-2.55
Small-Cap Blend:          
Small Capitalization Stock04/25/9512.245.24-7.600.906.088.37-10.822.486.72
Small-Cap Value:          
AST Small-Cap Value12/31/9613.998.11-7.810.986.435.84-7.642.546.88
SP Small Cap Value09/22/0015.617.93-7.250.48N/A4.18-7.941.754.95
Balanced:          
AST UBS Dynamic Alpha05/03/9315.005.64-0.143.901.815.70-1.114.452.40
Fixed Income:          
AST PIMCO Limited Maturity04/28/9510.038.915.944.605.055.157.894.535.02
AST T. Rowe Price Global Bond07/18/9413.0622.086.93-3.075.033.8213.025.554.94
Diversified Bond04/17/8919.0523.807.005.736.457.3615.245.556.28
High Yield Bond04/17/8941.3437.534.775.635.366.9015.815.635.11
SP PIMCO High Yield09/22/0039.3237.103.344.46N/A6.2015.064.426.02
SP PIMCO Total Return09/22/0013.8722.017.555.74N/A6.8017.585.806.80
Money Market:          
Money Market
7-Day Current Net Yield as of 10/31/2009:-0.05%
04/17/890.290.582.863.092.924.120.793.112.96
Asset Allocation Profile:          
SP Aggressive Growth Asset Allocation09/22/0020.4113.08-7.480.95N/A-1.58-5.571.73-1.40
SP Balanced Asset Allocation09/22/0017.7716.71-1.843.01N/A2.212.783.532.32
SP Conservative Asset Allocation09/22/0016.4218.131.194.01N/A3.747.324.383.83
SP Growth Asset Allocation09/22/0018.7314.37-5.061.83N/A0.23-2.112.510.39
 
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 PruLife® Custom Premier II'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 each underlying portfolio from the date the portfolio was first made available through the separate account that supports your variable life policy or, in cases in which the portfolio was created after the separate account, from the portfolio inception date. You may obtain a personalized illustration of historical performance, from your licensed financial professional, which reflects the cost of your policy's insurance protection.
THIS MATERIAL MUST BE PRECEDED OR ACCOMPANIED BY A CURRENT PROSPECTUS AND PRODUCT MATERIAL (Product brochure/Information or Illustration).
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.
1 The Janus Aspen Series Overseas Portfolio was formerly known as the Janus Aspen Series International Growth Portfolio. The effective date of this changes was May 1, 2009.
2Effective November 19, 2007 AST Neuberger Berman Mid Cap Growth is closed to new investments.
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.
The chart above shows the historical performance of the Prudential Series Fund, Inc., Subaccounts, and outside fund investment options of Pruco Life's Variable Universal Account ("The Account"). The Account is available through Pruco Life's PruLife® Custom Premier II insurance 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.
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.
The policy contract number for PruLife® Custom Premier II is VUL-2004.
PruLife® Custom Premier II is issued by Pruco Life Insurance Company (except in New York and New Jersey, where it is issued by Pruco Life Insurance Company of New Jersey), and is distributed by Pruco Securities LLC (member SIPC). Both Pruco Life companies are located at 213 Washington Street, Newark, NJ 07102-2992 and Pruco Securities LLC is located at 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.
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ENVUL IFS-A132619
Edition 4/2009