Fund Managers

Discovery Choice® Variable Annuity

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Discovery Choice^® Variable Annuity is no longer available for New Sales.

Discovery Choice is a variable annuity contract that can help you accumulate wealth through a powerful combination of asset allocation, professional money management, and tax-deferred compounding of investment returns. By giving you access to a range of 26 variable investment options, a choice of death benefit options, and no withdrawal charges, Discovery Choice lets you find a mix of investments that is right for your retirement planning needs.

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

• Minimum Investment Amount
• Investment Choices
• Asset Allocation
• Death Benefit Options
• Withdrawals
• Quarterly Reports

Minimum Investment Amount
You can add to your contract at any time with minimum subsequent payments of $1,000.

Investment Choices
Discovery Choice offers 26 investment options to suit a wide variety of financial goals and risk levels, from Prudential and other established money managers, including AIM Advisors, Alliance Capital, American Century, CALAMOS, Davis, Franklin Templeton, Janus, MFS, OpCap Advisors, T. Rowe Price, and Credit Suisse Warburg Pincus Trust.

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

Investment Category				Variable             Investment Options
			Specialty Portfolio	• SP Alliance Technology
			International Equity Portfolios	• Credit Suisse Trust Global Post-Venture Capital Portfolio • Janus Aspen Series International Growth • Prudential Global • SP Jennison International Growth • T. Rowe Price International Stock
			Small/Mid Cap Growth Portfolios	• SP INVESCO Small Company Growth • SP Prudential U.S. Emerging Growth • Franklin Small Cap Fund - 2 • SP Mid-Cap Growth • Prudential Small Capitalization Stock
			Small/Mid Cap Value Portfolios	• American Century VP Value Fund • PIMCO Advisors VIT OpCap Small Cap Portfolio • SP Small/Mid Cap Value
			Large-Cap Growth Portfolios	• MFS Emerging Growth Series • Jennison Portfolio • SP Strategic Partners Focused Growth • Jennison 20/20 Focus Portfolio • AllianceBernstein Premier Growth Portfolio • AIM V.I. Core Equity Fund • Janus Aspen Series Growth • AIM V.I. Premier Equity Fund • SP MFS Capital Opportunities • MFS Research Series • Prudential Stock Index
			Large Cap Value Portfolios	• Prudential Value • SP Large Cap Value • Davis Value Fund • Prudential Equity • T. Rowe Price Equity Income • PIMCO Advisors VIT OpCap Managed Portfolio
			Balanced Portfolio	• Prudential Diversified Conservative Growth Portfolio
			Asset Allocation Portfolios	• SP Aggressive Growth Asset Allocation • SP Growth Assett Allocation • SP Balanced Asset Allocation • SP Conservative Assett Allocation
			Fixed Income Portfolios	• Prudential High Yield Bond • Prudential Diversified Bond • SP PIMCO Total Return
			Money Market Portfolios	• Prudential Money Market Portfolio

Source: Prudential Investment Corporation. The illustration above shows the approximate relationship among the investment categories in terms of risk and return potential. Each portfolio incurs its own risks, and the value of each portfolio will fluctuate based on the performance of the underlying investments. Please see the prospectus for additional information about the portfolio, including risks and expenses.

Asset Allocation
Discovery Choice offers an Asset Allocation program at no cost. A 1991 study found that about 92% of investor returns come from asset allocation¹ — the mix of stocks, bonds and other investments in a portfolio. To help you optimize your Discovery Choice investment, a Prudential Securities Financial Advisor or Pruco Securities Registered Representative will work with you to develop an asset model that is appropriate for you.

Death Benefit Options
Discovery Choice offers two death benefit options:²

• The Basic Death Benefit provides a requisite level of protection — your beneficiaries will not receive less than the amount of your initial purchase payments (less withdrawals); or
• for a higher fee, the Enhanced Death Benefit³ locks in your annuity's investment gains in a rising market and protects your principal against losses due to market downturns.⁴

Withdrawals
With Discovery Choice, you can make withdrawals at any time without incurring a withdrawal charge. Withdrawals made during the accumulation phase are treated first as a taxable distribution of gain. Withdrawals made prior to age 59^1/2 may be subject to a 10% federal income tax penalty.

Quarterly Reports
You receive a personalized statement every three months with performance information for each investment in your Discovery Choice account.

¹Source: Brinson, Singer and Beebower, "Determinants of Portfolio Performance II: An Update," Financial Analysts Journal, May-June, 1992.
²All guarantees are based on the claims paying ability of the issuer. Prudential and Pruco Life are each solely responsible for their respective financial condition and contractual obligation.
³Restrictions apply if death occurs after age 80. Restrictions also apply to issues ages over 80. A complete description of the Guaranteed Minimum Death Benefit can be found in the prospectus.
⁴Subject to a maximum limit, or "cap." Please see the prospectus for more details. Not available in New York or Washington.

Discovery Choice^® Variable Annuity (Contract VFLX-99) is issued by Pruco Life Insurance Company, except in New York where the issuer is Pruco Life Insurance Company of New Jersey. Discovery Choice is distributed through Prudential Investment Management Services LLC, Gateway Center Three, 14th Floor, Newark, NJ 07102-4077. Pruco Securities Corporation, 751 Broad Street, Newark, NJ 07102 and Prudential Securities 199 Water Street, New York, NY, both members SIPC. All are Prudential companies.

Prudential and Pruco Life are each solely responsible for their respective financial condition and contractual obligations.

This product may be sold only when preceded or accompanied by a current prospectus that will have more information, including charges and expenses of the Discovery Choice^® Variable Annuity and the variable investment options. Please read all prospectuses carefully before you invest or send money.

Prudential and Pruco Life are each solely responsible for their respective financial condition and contractual obligations. 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.