Variable Investment Plan®

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Variable Investment Plan (VIP) is a variable annuity contract that allows you to choose among 14 investment options, including stock, bond, and money market portfolios. Plus, when you open a VIP account, you receive a bonus equal to 1% of each purchase payment you make during the first three years of your annuity contract.¹

Daily Unit Values

Monthly Performance Review

View/Download Prospectus

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 $1,000 ($100 for qualified contracts), you can add to your contract (either qualified or nonqualified) at any time with minimum subsequent payments of just $100.²

Investment Choices
Variable Investment Plan offers you 13 Prudential investment options, including stock, bond, and money market portfolios, as well as a fixed-rate option to suit a wide variety of financial goals and risk levels. As your investment goals or investment strategies change, you can transfer assets among these portfolios at no charge.

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, Variable Investment Plan 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 eight 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. Under the VIP-83 contract, the 10% "charge-free amount" is calculated based on the contract fund only.

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

¹One percent bonus is less applicable state premium taxes, if any. (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.
²The prospectus contains more information on transfer rules.

Call your Prudential financial professional 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 Prudential financial professional.

Variable Investment Plan is issued by The Prudential Insurance Company of America. Variable Investment Plan is distributed by Prudential Investment Management Services LLC, Gateway Center Three, 14th Floor, Newark, NJ 07102-4077, a Prudential company. Variable Investment Plan is a registered mark of Prudential. Oregon contract form number VIP-86.

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