December 9, 1996 - Investments, Life Insurance, Retirement ...



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| |Robert M. Arena, Jr. |

| |Senior Vice President, Product Management |

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| |Prudential Annuities |

| |One Corporate Drive |

| |Shelton, CT 06484 |

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|April 2004 |

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|Dear Contract Owner: |

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|Your Asset Allocation Should Reflect Your Current Risk Tolerance and Financial Goals |

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|One of life’s certainties is the inevitability of change. And as changes occur in the financial markets, as well as in our personal and |

|professional lives, we all need to review our retirement plans. Your variable annuity includes several investment options. Since no one can |

|predict the future performance of the financial markets, we recommend that you regularly reevaluate the allocation of your net premium dollars |

|among your investment choices. With the assistance of Prudential’s Asset Allocation model, your financial professional can help you analyze your|

|allocations and adjust them to make them consistent with your current needs, objectives, risk tolerance and time horizons. |

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|A Variable Annuity Can Be A Critical Component Of Your Retirement Plan |

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|Your variable annuity is a valuable asset and a significant element of your retirement plan. Maintaining it is critical because of the |

|retirement income it can provide and the death benefit protection* for your beneficiaries. An annual review with your financial professional can|

|tell you how your investment choices are performing relative to your goals. This will help you determine if you need to adjust your asset |

|allocation strategy in order to reach your retirement income needs. |

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|We Want to Inform you of Changes in Transfer Restriction Policies |

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|Transfer restriction policy changes will be implemented effective May 3, 2004. The changes are outlined in the attachment to this letter. |

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|We Want To Help You Plan To Achieve Your Retirement Goals |

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|If you have any questions about this correspondence, please call your financial professional, or you can call |

|(888) 778-2888 8 a.m. to 8 p.m. Eastern time. (Please note that while telephone representatives are available until 8 p.m. Eastern time, the |

|cut-off time for many transactions such as transfers among investment options is 4:00 p.m. Eastern time.) We suggest that you contact your |

|financial professional, whose name and number can be found on your Annual Statement, for a review of all your financial plans. He or she can |

|also show you how Prudential Financial’s wide range of products and services can help you in planning to achieve your overall financial security |

|and retirement goals. |

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|Because we no longer sell Discovery Preferred, Discovery Plus, Discovery Choice and Discovery Select contracts to new customers, we no longer |

|send updated annuity prospectuses to current customers each year. However, we would be happy to send you current financial statements for the |

|insurer that issued your contract. You can obtain those financial statements without charge by calling the toll-free telephone number listed |

|above. |

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|You can sign up for electronic delivery of your prospectus by visiting prudential. Getting your prospectus on-line is a |

|convenient and efficient way to receive this important financial document and to store it for easy access and reference. Registration is simple |

|and fast, and you can change your email address or cancel your participation at any time. After you enroll you will receive notification via |

|email when new materials are available for your review. |

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|Thank you for purchasing an annuity with us. We appreciate having you as our customer and we look forward to a continued relationship with you |

|in the years to come. |

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|Sincerely, |

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|*The guarantees are based on the claims-paying ability of the issuing company and do not apply to the investment performance or safety of the |

|underlying portfolios in the Discovery Preferred, Discovery Plus, Discovery Choice and Discovery Select Variable Annuities. |

|Annuities are 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, and distributed through Prudential Investment Management Services, LLC, Three Gateway Center, Newark, NJ |

|07102, all are Prudential companies. Pruco Life Insurance Company, Pruco Life of New Jersey, and Prudential are solely responsible for their own |

|financial condition and contractual obligations. |

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|Prudential Financial is a service mark of Prudential, Newark, NJ and its affiliates. |

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|This letter must be preceded by a prospectus for your variable product. |

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