The average annual total returns reflect the reinvestment of all dividends and capital gains, and the deduction of all investment management fees and expenses, as well as PruSelect^SM III'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, may 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. Please refer to the hypothetical illustrations in the prospectus, which shows the effect on performance of various assumptions regarding the cost of insurance protection. You may also obtain a personalized illustration of historical performance, which reflects the cost of your policy's insurance protection.

"Cumulative Total Return" is the difference between the end of period unit value and the beginning of period unit value, all divided by the beginning of period unit value, expressed as a percentage. It is calculated using the change in the unit value during the period and dividing by the starting unit value. Returns of less than one year are not annualized.

The table above shows the historical performance of the Prudential Series Fund, Inc. and outside fund investment options of Pruco Life Insurance Company's Variable Universal Account and Pruco Life Insurance Company of New Jersey's Variable Appreciable Account (for New Jersey and New York).

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.

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 annuity contract. PruSelect^SM lll was first offered in November 1999.

¹The Janus Aspen Series Enterprise Portfolio was formerly known as the Janus Aspen Series Mid Cap Growth Portfolio. The Janus Aspen Series Janus Portfolio was formerly known as the Janus Aspen Series Large Cap Growth Portfolio.The Janus Aspen Series Overseas Portfolio was formerly known as the Janus Aspen Series International Growth Portfolio. The effective date of these changes 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.

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.

PruSelect^SM III is a variable universal life insurance product issued by Pruco Life Insurance Company (except in New Jersey and New York where it is issued by Pruco Life Insurance Company of New Jersey), and is distributed by Pruco Securities LLC. Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey are both located at 213 Washington Street, Newark, NJ 07102-2292 and Pruco Securities LLC is located at 751 Broad Street, Newark, NJ 07102-3777 (member SIPC). 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.

PruSelect^SM III was first offered in November, 1999. The policy contract number is CVUL-1999.

^†This document is in Adobe Acrobat format and requires the Adobe Acrobat Reader 3.0 (or later) plug-in for viewing. Obtain the plug-in and instructions for installation free of charge.

IFS-A118157
Edition 4/2009