Strategic Partners Advisor

	Average Annual Total Returns¹
	Standardized Return² as of 3/31/2005							Standardized Return² as of 3/31/2005
Investment Option Subaccounts	Inception Date	YTD %	1 Yr %	3 Yrs %	5 Yrs %	10 Yrs %	Since Inception %	Inception Date	1 Yr %	5 Yrs %	10 Yrs/ Since Inception %
Specialty:
SP Technology*	09/22/00	-8.30	-9.69	-8.11	N/A	N/A	-17.92	09/22/00	-9.69	N/A	-17.92
International Equity:
SP William Blair International Growth*	09/22/00	-1.85	7.44	5.36	N/A	N/A	-9.93	09/22/00	7.44	N/A	-9.93
SP LSV International Value*	09/22/00	0.88	10.95	5.68	N/A	N/A	-3.42	09/22/00	10.95	N/A	-3.42
Prudential Global	07/16/95	-2.18	2.56	1.31	-8.65	N/A	4.15	07/16/95	2.56	-8.65	4.15
Small-/Mid-Cap Growth:
SP State Street Research Small Cap Growth*	09/22/00	-4.53	-10.04	-2.66	N/A	N/A	-11.43	09/22/00	-10.04	N/A	-11.43
SP Prudential U.S. Emerging Growth	09/22/00	-3.67	10.62	5.16	N/A	N/A	-6.74	09/22/00	10.62	N/A	-6.74
SP AIM Aggressive Growth	09/22/00	-3.25	3.70	0.88	N/A	N/A	-8.83	09/22/00	3.70	N/A	-8.83
SP Mid Cap Growth	09/22/00	-5.74	6.26	-4.02	N/A	N/A	-10.23	09/22/00	6.26	N/A	-10.23
Small-/Mid-Cap Value:
SP Goldman Sachs Small Cap Value*	09/22/00	-4.05	9.36	5.73	N/A	N/A	8.13	09/22/00	9.36	N/A	8.13
Large-Cap Growth:
SP MFS Capital Opportunities	09/22/00	-4.05	5.12	-1.61	N/A	N/A	-9.33	09/22/00	5.12	N/A	-9.33
SP Strategic Partners Focused Growth	09/22/00	-7.06	1.34	-1.61	N/A	N/A	-10.35	09/22/00	1.34	N/A	-10.35
Janus Aspen Series Growth-Service Shares	11/24/95	-3.07	2.15	-2.26	-11.90	N/A	5.09	11/24/95	2.15	-11.90	5.09
Jennison	07/16/95	-5.67	1.01	-2.83	-12.33	N/A	5.55	07/16/95	1.01	-12.33	5.55
SP AIM Core Equity	09/22/00	-1.09	5.87	2.29	N/A	N/A	-7.98	09/22/00	5.87	N/A	-7.98
SP Alliance Large Cap Growth	09/22/00	-7.15	-3.03	-5.27	N/A	N/A	-11.49	09/22/00	-3.03	N/A	-11.49
Prudential Stock Index	07/16/95	-2.58	4.75	0.91	-4.80	N/A	7.89	07/16/95	4.75	-4.80	7.89
Large-Cap Value:
Prudential Value	07/16/95	0.79	10.48	3.48	5.34	N/A	8.42	07/16/95	10.48	5.34	8.42
Prudential Equity	07/16/95	-2.97	3.86	1.42	-0.55	N/A	5.78	07/16/95	3.86	-0.55	5.78
SP Large Cap Value	09/22/00	-0.97	11.89	4.92	N/A	N/A	2.37	09/22/00	11.89	N/A	2.37
SP Davis Value	09/22/00	-0.69	6.37	5.59	N/A	N/A	0.92	09/22/00	6.37	N/A	0.92
Fixed Income:
SP PIMCO High Yield	09/22/00	-1.49	5.10	7.92	N/A	N/A	6.24	09/22/00	5.10	N/A	6.24
SP PIMCO Total Return	09/22/00	-0.89	0.43	4.89	N/A	N/A	5.92	09/22/00	0.43	N/A	5.92
Money Market:
Prudential Money Market 7-Day Current Net Yield as of 3/31/2005: 0.76 %	07/16/95	0.16	-0.11	-0.31	1.05	N/A	2.36	07/16/95	-0.11	1.05	2.36
Profile Portfolios:
SP Aggressive Growth Asset Allocation	09/22/00	-6.80	1.82	2.15	N/A	N/A	-5.01	09/22/00	1.82	N/A	-5.01
SP Growth Asset Allocation	09/22/00	-2.33	5.65	4.22	N/A	N/A	-1.70	09/22/00	5.65	N/A	-1.70
SP Balanced Asset Allocation	09/22/00	-2.02	4.47	4.45	N/A	N/A	0.60	09/22/00	4.47	N/A	0.60
SP Conservative Asset Allocation	09/22/00	-1.59	3.23	4.18	N/A	N/A	2.33	09/22/00	3.23	N/A	2.33

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. The standardized returns listed above are based on the Enhanced Death Benefit Option. For these returns, 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. As disclosed in the prospectus, withdrawal charges do not apply to this product.

²The SEC-standardized returns are based on the Base Death Benefit Option. The 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 that there were no withdrawal charges. As disclosed in the prospectus, withdrawal charges do not apply to this product.

An investment in the Prudential Series Fund Money Market Portfolio is neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) 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. The seven day current net yield of the Money Market Portfolio is based on the maximum insurance and administrative cost of 1.65%.

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.

Investors should consider the contract and the underlying portfolios' investment objectives, risks, and charges and expenses carefully before investing. The contract's prospectus and the underlying portfolio prospectus contain information relating to investment objectives, risks, and charges and expenses as well as other important information. You should read the prospectuses carefully before investing.

^*The SP Technology subaccount was formerly known as SP Alliance Technology. The SP Goldman Sachs Small Cap Value subaccount was formerly known as SP Small/Mid Cap Value. The SP William Blair International Growth subaccount was formerly known as SP Jennison International Growth. The State Street Research Small Cap Growth subaccount was formerly known as SP INVESCO Small Company Growth. The SP LSV International Value was formerly known as SP Deutsche International Equity.

With respect to the SP Portfolios of The Prudential Series Fund, Inc., the Portfolio's investment manager (Prudential Investments LLC) is absorbing a portion of the expenses of certain portfolios. That expense absorption may be discontinued at any time. Absent such expense absorption, the performance quoted would be lower. Performance returns without the expense absorption are available without charge upon request from your variable life and variable annuity customer service call centers.

Strategic Partners^SM Advisor has an insurance and administrative cost of 1.40% for the Basic Death Benefit or 1.65% for the Enhanced Death Benefit. An annual contract maintenance charge of $30 or 2% of the contract value applies if the contract value is less than $50,000.

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

Strategic Partners^SM Advisor 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 Strategic Partners^SM Advisor is VFLX-99-OR.

^†This document is in Adobe Acrobat format and requires the Adobe Acrobat Reader 3.0 (or later) plug-in for viewing. Obtain the plug-in and instructions for installation free of charge.

SPAD1 IFS-A064321
Edition 11/2004