Discovery Plus® Variable Annuity

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Discovery Plus is a variable annuity contract that lets you invest among 14 professionally managed Prudential money market, bond, and stock portfolios, plus a fixed-rate option. With Discovery Plus, your earnings can compound free from current income taxes until withdrawn, and you will receive a bonus equal to 1% of each purchase payment you make during the first three years of your annuity contract.¹

Click on any of the features listed below to find out more.

• Minimum Investment Amount
• Investment Choices
• Protection for Your Beneficiaries
• Withdrawals
• Annual Reporting

Minimum Investment Amount
After an initial minimum investment of $10,000, you can add to your contract at any time with minimum subsequent payments of $1,000.²

Investment Choices
Discovery Plus offers you 14 carefully selected investment options managed by Prudential, plus a fixed-rate option to suit a wide variety of financial goals and risk levels. There is no charge to transfer assets among the options as you see fit.³

The table below lists the investment options available, ranked by asset class in order of risk/return potential from highest to lowest. All portfolios are managed by Prudential. To learn more about each option, click the portfolio name.

Investment Category				Variable             Investment Options
			Specialized	• Natural Resources • Real Property Account
			Diversified Stock	• Global • Small Cap Stock • Jennison Portfolio • Equity • The Value Portfolio • Stock Index
			High Yield Portfolio	• High Yield Bond
			Balanced	• Flexible Managed • Conservative Balanced
			Fixed Income	• Government Income • Diversified Bond • Money Market

The table above shows the approximate relationship between the categories in terms of total risk and potential reward. Each portfolio within these general categories incurs its own risks, and the value of each portfolio will fluctuate based on the performance of the underlying investments. For further discussion of the risks associated, please see the prospectuses.

Protection for Your Beneficiaries
To protect your loved ones, Discovery Plus offers a death benefit that guarantees your beneficiaries will receive either the greater of your account value or the total amount you've invested in the event of the annuitant's death prior to the payout phase (plus any bonuses credited, and minus any previous withdrawals).

Withdrawals
Withdrawals are subject to a surrender charge in the first six years. In each contract year, you can withdraw earnings plus up to 10% of your total contract value (calculated as of the date of the first withdrawal made that contract year) without paying a withdrawal charge. This amount is referred to as the "charge-free amount". Withdrawals made during the accumulation phase are treated first as a taxable distribution of gain. Withdrawals made prior to 59½ may be subject to a 10% federal income tax penalty.

Annual Reporting
You receive a consolidated personalized statement annually with performance information for each investment in your Discovery Plus account.

¹One percent bonus is less applicable state premium taxes, if any. Bonus is not available in Oregon, and bonus and related earnings may not be available in all states. The bonus amount will remain in the contract as long as the purchase payment is not withdrawn within six years from the date it was made.
²No subsequent payments in Oregon.
³The prospectus contains more information on transfer rules.

Call your Pruco Securities Registered Representative or your Prudential Securities Financial Advisor for more information on Prudential's annuity products, including prospectuses for variable annuities that detail risks, charges and expenses. Please read all prospectuses carefully before you invest or send money. Annuities have limitations. For costs and complete details of the coverage, call or write your Pruco Securities Registered Representative or your Prudential Securities Financial Advisor.

Discovery Plus Variable Annuity is issued by The Prudential Insurance Company of America and is no longer available for sale in the state of NY. Discovery Plus is offered through Prudential Investment Management Services LLC, Gateway Center Three, 14th Floor, Newark, NJ 07102-4077. All are Prudential companies. Oregon contract form number VAC-93-OR.