Investment Category				Variable             Investment Options
			Specialty2	• SP Technology Portfolio, managed by The Dreyfus Corporation
			International Equity3	• SP William Blair International Growth Portfolio • Prudential Global Portfolio • SP LSV International Value Portfolio
			Small/Mid Cap Growth4	• SP State Street Research Small Cap Growth Portfolio • SP Prudential U.S. Emerging Growth Portfolio • SP Mid-Cap Growth Portfolio • SP AIM Aggressive Growth Portfolio
			Small/Mid Cap Value4	• SP Goldman Sachs Small Cap Value Portfolio®
			Large-Cap Growth	• SP MFS Capital Opportunities Portfolio • Jennison Portfolio(domestic equity) • SP Strategic Partners Focused Growth Portfolio • SP Alliance Large Cap Growth Portfolio • SP AIM Core Equity Portfolio • Janus Aspen Series Growth Portfolio-Service Shares • Prudential Stock Index Portfolio
			Large-Cap Value	• Prudential Value Portfolio(domestic equity) • Prudential Equity Portfolio • SP Davis Value Portfolio • SP Large Cap Value Portfolio®
			Profile Portfolios	• SP Aggressive Growth Asset Allocation Portfolio • SP Growth Asset Allocation Portfolio • SP Balanced Asset Allocation Portfolio • SP Conservative Asset Allocation Portfolio
			Fixed Income5	• SP PIMCO High Yield Portfolio • SP PIMCO Total Return Portfolio
			Money Market	• Prudential Money Market Portfolio
			Interest Rate Options	– 1-Year Fixed-Rate Interest Option – 6-Month and 12-Month Dollar Cost Averaging

Importance of Asset Allocation
Asset allocation is the process of applying the objectives of different investments to your specific goals. By spreading your holdings among a variety of industries, companies and investment types, you may potentially reduce the risk to your portfolio from any single investment, and place your assets where they can possibly benefit from a broad range of investment options. Independent research has shown that asset allocation is the major factor determining portfolio performance.*

The investment options of FlexElite Annuity are designed to facilitate asset allocation for a broad variety of investment goals. We recommend that you develop your asset allocation in consultation with your financial professional. A financial professional will ask probing questions to find out what's really important to you, to help identify your goals, understand your tolerance for risk, and help you choose the appropriate investments.

^* Brinson, Singer, and Beebower, Determinants of Portfolio Performance, 1991

Profile Portfolios
FlexElite Annuity's Profile Portfolios are a simple and effective strategy for many investors. Each portfolio is constructed and managed by a team of professionals, and rebalanced periodically to maintain its asset allocation strategy.⁶ The Profile Portfolios' predetermined asset allocations correspond to four distinct investment objectives.

	Aggressive Growth		Growth		Balanced		Conservative

Your financial professional can help you complete the Profile Portfolio Questionnaire to help identify your financial goals and risk tolerance, and then select an appropriate portfolio.

1% Credit Option
At the end of the initial three-year withdrawal charge period, you will be offered a credit equal to 1% of your contract value with the start of a new withdrawal charge period. If you accept, the credit will be added to your contract and another 1% credit will be offered to you on the sixth contract anniversary, starting another three-year withdrawal charge period.

If liquidity is more important to you than a 1% credit, you can decline the credit, enjoy access to your money, and make subsequent contributions to the contract without starting a new withdrawal charge period.

Death Benefit Protection⁷
FlexElite Annuity helps you safeguard what you've invested for those who are counting on you. The base death benefit guarantees that your beneficiary will never receive less than the current contract value or the combined value of your purchase payments (adjusted for withdrawals), whichever is greater.⁸

For even more protection, you can choose among several enhanced death benefit options for your beneficiaries, at an additional charge. For more information on charges, refer to the prospectus.

• 5% Roll-up protects against downturns in the market by paying your beneficiaries the greater of your current contract value or the total of your purchase payments increased by 5% each year, subject to a 200% lifetime cap. Both roll-up and cap are reduced proportionally by withdrawals. (Not available in all states.)
• Annual Step-up locks in investment gains in a rising market each contract anniversary. Your beneficiaries will receive the greater of your current contract value or the highest "step-up" value at any contract anniversary, adjusted for withdrawals and any additional payments you made.
• Combined Roll-up and Step-up offers the most protection. Your beneficiary receives the greater of the current contract value or the Roll-up and Step-up values.
• Earnings Appreciator Option: If chosen, may pay an additional death benefit based on the contract's earnings, which beneficiaries can use to help offset taxes or other expenses. (Not available in all states.)

Enhanced Spousal Continuance
Instead of receiving a death benefit, your spouse (if beneficiary) may choose to continue the annuity contract in his or her own name with the contract value equal to the amount that otherwise would have been paid as a death benefit. Your spouse can continue to enjoy the benefit of tax deferral and all the features you selected. No withdrawal charges will apply to the contract.

Withdrawals⁹
Your money will be easily accessible to you -without a withdrawal charge-in only three years. You can also add to your FlexElite annuity without starting a new withdrawal charge period. You can access your money in several ways without annuitizing your contract.

• Withdrawals. Each year you can withdraw up to 10% of your purchase payments charge-free. If you withdraw more than 10% during the three-year withdrawal charge period, a 7% charge applies.
• Automated withdrawal program. You can set up an automated withdrawal charge program and receive a stream of income, while the balance of your money continues to grow on a tax-deferred basis.
• Waiver of withdrawal charges for critical care. If you become terminally ill or are confined to a nursing home or hospital for three months or more, you can access your money with no withdrawal charges. This can help your family cope with an unanticipated financial burden.¹⁰

Dollar Cost Averaging
Not sure that this is the right time to invest? FlexElite Annuity helps you ease into the market with a choice of 6- and 12-month dollar cost averaging fixed-rate options.¹¹ Your purchase payments will earn an attractive fixed rate, while each month a portion of your money moves into the variable investment options you have chosen. This can help reduce the impact of market volatility on your purchases.

Note: All annuities not available in all states
¹Tax deferral is provided by an Individual Retirement Account and other qualified retirement plans. A variable annuity contract should be used to fund a qualified retirement plan to benefit from the annuities features other than tax deferral, including the lifetime income payout option, the death benefit protection and the ability to transfer among investment options without sales or withdrawal charges.
²Due to the volatile nature of science and technology stocks, this Portfolio may be subject to increased fluctuations.
³These portfolios concentrate their investments in the securities of foreign issuers. A variety of factors, such as political/economic changes and currency fluctuations, may affect your investment, which makes this a riskier choice than a domestic portfolio.
⁴The investment risk may be greater here that in general equity markets, given the long-term growth objective of the portfolios and smaller size of the companies that these portfolios invest in.
⁵Investments in this Portfolio are concentrated in high yield fixed income securities, also known as "junk bonds," which carry a much greater risk of default and tend to be more volatile than higher-rated bonds.
⁶There is no current income tax liability for rebalancing. See prospectus for more details.
⁷Death benefit guarantee is backed by the claims-paying ability of the issuing company.
⁸Withdrawals will reduce the death benefit amount in direct proportion to the percentage the contract value was reduced. This adjustment can increase or decrease the amount deducted from the death benefit.
⁹Withdrawals of taxable amounts will be subject to income tax, and prior to age 59 ½, may be subject to a 10% federal income tax penalty.
¹⁰Consult the prospectus for additional information. Waiver of withdrawal charges for critical care is not available in all states. Taxes may apply to withdrawals.
¹¹Dollar cost averaging does not ensure a profit or protect against a loss. Investors should consider their ability to sustain investments during periods of market downturns. Any fixed rates will be paid on a declining balance. First transfer occurs on the day you allocate your payment to the fixed-rate dollar cost averaging options.

Strategic Partners FlexElite Annuity is a variable annuity issued by Pruco Life Insurance Company (in New York, issued by Pruco Life Insurance Company of New Jersey), both located at 213 Washington Street, Newark, NJ 07102-2992, and distributed through Prudential Investment Management Services LLC, Three Gateway Center, 14th Floor, Newark, NJ 07102-4077, member SIPC. All are Prudential Financial companies.

Strategic Partners FlexElite Annuity is sold by prospectus only. The prospectus contains complete details on risks, charges, and expenses for FlexElite Annuity and the variable investment options. Read all prospectuses carefully prior to investing or sending money. Annuities have limitations and surrender charges. Call your Financial Professional for more information, including a prospectus, on Strategic Partners Annuities.

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.

Contract #VFLX-2002-L-OR.

IFS-A070086
Ed. 05/01/2002