¹The average annual total returns reflect the reinvestment of all dividends and capital gains, and the deduction of investment management fees, expenses, and product-related insurance charges. For the non-standardized returns listed above, 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. We also assume that there were no withdrawal charges.

²The SEC-standardized returns are calculated from the date the portfolio was first made available through the separate account that supports your annuity contract. We also assume the maximum possible withdrawal charges. As disclosed in the prospectus, the maximum withdrawal charge is 8% of the amount withdrawn before the first anniversary of the purchase payment, reduced by 1% per year thereafter.

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.

THIS MATERIAL MUST BE PRECEDED OR ACCOMPANIED BY A CURRENT PROSPECTUS AND PRODUCT MATERIAL (Product brochure/Information or Illustration). The standardized and non-standardized returns depicted above do not include the effect of charges for optional insurance features that may be available such as the guaranteed minimum income benefit, and if such charges were deducted, performance would be reduced.

Annuities have limitations and withdrawal charges. Your licensed financial professional will be glad to provide you with costs and complete details.

Discovery Preferred^SM Variable Annuity is a variable annuity issued by Pruco Life Insurance Company (except in New York, where it is issued by Pruco Life Insurance Company of New Jersey) and distributed by Prudential Investment Management Services LLC (member SIPC). Both Pruco Life companies are located at 213 Washington Street, Newark, New Jersey 07102-2992, and Prudential Investment Management Services LLC is located at Three Gateway Center, 14th Floor, Newark, NJ 07102-4077. 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.

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.

The policy contract number for Discovery Preferred^SM Variable Annuity is VFM-95.

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DISPRF IFS-A060095
Edition 4/2004