2017 S3 PLNJ Strategic Partners 333-198429 Combined Document

0001038509-17-000041.txt : 20180312 0001038509-17-000041.hdr.sgml : 20180312 20170823092908 ACCESSION NUMBER: 0001038509-17-000041 CONFORMED SUBMISSION TYPE: S-3 PUBLIC DOCUMENT COUNT: 19 FILED AS OF DATE: 20170822 DATE AS OF CHANGE: 20171003 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PRUCO LIFE INSURANCE OF NEW JERSEY CENTRAL INDEX KEY: 0001038509 STANDARD INDUSTRIAL CLASSIFICATION: LIFE INSURANCE [6311] IRS NUMBER: 222426091 STATE OF INCORPORATION: NJ FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: S-3 SEC ACT: 1933 Act SEC FILE NUMBER: 333-220117 FILM NUMBER: 171046286 BUSINESS ADDRESS: STREET 1: 213 WASHINGTON ST CITY: NEWARK STATE: NJ ZIP: 07102 BUSINESS PHONE: 9738022859 MAIL ADDRESS: STREET 1: 213 WASHINGTON ST CITY: NEWARK STATE: NJ ZIP: 07102 S-3 1 s3plnjstrategicpartncombo.htm S-3 2017 S3 PLNJ Strategic Partners 333-198429 Combined Document

AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON AUGUST 22, 2017

REGISTRATION NO. 333-

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM S-3

REGISTRATION STATEMENT

UNDER

THE SECURITIES ACT OF 1933

PRUCO LIFE INSURANCE COMPANY

OF NEW JERSEY

(Exact Name of Registrant as Specified in its Charter)

NEW JERSEY

(State or other jurisdiction of incorporation or organization)

22-2426091

(I.R.S. Employer Identification Number)

C/O PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

213 WASHINGTON STREET

NEWARK, NEW JERSEY 07102-2992

(973) 802-5740

(Address, including zip code, and telephone number, including area code, of registrant’s principal executive offices)

SUN-JIN MOON, ESQ.

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

213 WASHINGTON STREET

NEWARK, NEW JERSEY 07102-2992

(973) 802-6000

(Name, address, including zip code, and telephone number, including area code, of agent for service)

COPIES TO:

MICHAEL A. PIGNATELLA

VICE PRESIDENT

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

ONE CORPORATE DRIVE

SHELTON, CONNECTICUT 06484

(203) 402-3814

Approximate date of commencement of proposed sale to public: As soon as practicable after the effective date of Registration Statement.

If the only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following box: ¨

If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, other than securities offered only in connection with dividend or interest reinvestment plans, check the following box. x

If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ¨

If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering. ¨

If this Form is a registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission pursuant to Rule 462(e) under the Securities Act, check the following box. ¨

If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of securities pursuant to Rule 413(b) under the Securities Act, check the following box. ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.




Large accelerated filer	¨	Accelerated filer	¨

Non-accelerated filer	x	Smaller reporting company	¨

Emerging growth company	¨

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 7(a)(2)(B) of the Securities Act. ¨

_______________________________

CALCULATION OF REGISTRATION FEE





Title of each class of securities to be registered	Amount to be registered	Proposed maximum offering price per unit(1)	Proposed maximum aggregate offering price	Amount of registration fee
Market Value Adjusted Annuity Contracts	$39,850,000	$1.00	$39,850,000	$0



(1)	Interests in the market value adjustment account are sold on a dollar basis, not on the basis of a price per share or unit.

This filing is being made under the Securities Act of 1933 to register $39,850,000 of interests in market value adjusted annuity contracts. The interests being registered herein are carried over, as unsold securities, from an existing Form S-3 registration statement of the same issuer (333-198429) filed on August 28, 2014. Because a filing fee of $5,133 previously was paid with

respect to those securities, there is no filing fee under this registration statement. In accordance with Rule 415 (a)(6), the offering of securities on the earlier registration statement will be deemed terminated as of the effective date of this registration statement.

Risk Factors are discussed in the sections of the prospectus included in Part 1 of this Form concerning the Market Value Adjustment option.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or passed upon the adequacy or accuracy of each prospectus included in this registration statement. Any representation to the contrary is a criminal offense.

The principal underwriter for these securities, Prudential Annuities Distributors, Inc. is not required to sell any specific number or dollar amount of securities, but will use its best efforts to sell the securities offered. The offering under this registration statement will conclude three years from the effective date of this registration statement, unless terminated earlier by the Registrant. See each prospectus included in Part 1 hereof for the date of the prospectus.

The registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the registrant shall file a further amendment which specifically states that this registration statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the registration statement shall become effective on such date as the Commission may determine.

Audited financial statements for variable annuity separate accounts registered under the Investment Company Act of 1940 are not included in this Form S-3 registration statement.

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

Supplement, dated May 1, 2009

To The Prospectuses For The Following Annuities

Discovery Select

Discovery Preferred

Strategic Partners Annuity One

Strategic Partners Annuity One 3

Strategic Partners Plus and Plus 3

Strategic Partners FlexElite

Strategic Partners Select

Strategic Partners Horizon

This supplement should be read and retained with the prospectus for the annuity you own. This supplement is not intended to be an offer of any annuity listed here that you do not own.

Each of Pruco Life Insurance Company ("Pruco Life") and Pruco Life Insurance Company of New Jersey ("PLNJ") incorporates by reference into the prospectus its latest annual report on Form 10-K filed pursuant to Section 13(a) or Section 15(d) of the Exchange Act since the end of the fiscal year covered by its latest annual report. In addition, all documents subsequently filed by each of Pruco Life and PLNJ pursuant to Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act also are incorporated into the prospectus by reference. Each of Pruco Life and PLNJ will provide to each person, including any beneficial owner, to whom a prospectus is delivered, a copy of any or all of the information that has been incorporated by reference into the prospectus but not delivered with the prospectus. Such information will be provided upon written or oral request at no cost to the requester by writing to Prudential Annuities Life Assurance Corporation, One Corporate Drive, Shelton, CT 06484 or by calling 800-752-6342. Each of Pruco Life and PLNJ files periodic reports as required under the Securities Exchange Act of 1934. The public may read and copy any materials that each of Pruco Life and PLNJ files with the SEC at the SEC's Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. The public may obtain information on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. The SEC maintains an Internet site that contains reports, proxy, and information statements, and other information regarding issuers that file electronically with the SEC (see http://www.sec.gov). Our internet address is http://www.prudentialannuities.com.

Pruco Life Insurance Company

Pruco Life Insurance Company of New Jersey

Strategic Partners Annuity One 3

Strategic Partners Plus 3

Strategic Partners FlexElite

Supplement, dated March 18, 2009

Prospectus, dated May 1, 2008

This supplement should be read and retained with the prospectus for your contract, and amends our supplement dated February 23, 2009. If you would like another copy of the prospectus or the February 23rd supplement, please call

us at 1-800-752-6342.

1. Under Highest Daily Lifetime 7 Plus and Spousal Highest Daily Lifetime 7 Plus, under "Other Important Considerations", within the bullet point beginning with "[w]e currently limit the Sub-accounts to which you may allocate Contract Value . . .", we add the following to the end of that bullet point:

"If you are required to reallocate to permitted investment options, then on the Business Day we receive your request in good order, we will (i) sell units of the non-permitted investment options and (ii) invest the proceeds of those sales in the permitted investment options that you have designated. During this reallocation process, your Contract Value allocated to the Sub-accounts will remain exposed to investment risk, as is the case generally. The newly-elected benefit will commence at the close of business on the following Business Day. Thus,

the protection afforded by the newly-elected benefit will not arise until the close of business on the following

Business Day."

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

STRATEGIC PARTNERS/SM/ ANNUITY ONE 3 VARIABLE ANNUITY ("SPAO 3") STRATEGIC PARTNERS/SM/ PLUS 3 VARIABLE ANNUITY ("SP PLUS 3") STRATEGIC PARTNERS/SM/ FLEXELITE VARIABLE ANNUITY ("SP FLEXELITE")

Amendment to Supplement dated February 23, 2009 To Prospectuses dated May 1, 2008, as Supplemented

This supplement should be read and retained with the prospectus and supplements for your SPAO 3, SPAO Plus 3, and SP Flexelite Annuity. If you would like another copy of the prospectus or the supplements, please call us at 1-800-PRU-2888. The terms used in this supplement are defined in the Glossary of Terms in the Prospectus, unless specifically defined in a supplement to the Prospectus.

The February 23, 2009 Supplement offering the following optional living benefits: Highest Daily Lifetime 7 Plus and Spousal Highest Daily Lifetime 7 Plus, is hereby amended as follows.

The "Summary of Contract Fees and Charges - Your Optional Benefit Fees and Charges" Table on page 3 of your Supplement is hereby replaced in its entirety with the following Table. The Table is being revised to clarify how the Optional Benefit Fee is deducted from your Annuity. In the Table below, "CV" refers to Contract Value and "PWV" refers to Protected Withdrawal Value.

SPVASUP5

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

STRATEGIC PARTNERS/SM/ ANNUITY ONE 3 VARIABLE ANNUITY ("SPAO 3") STRATEGIC PARTNERS/SM/ PLUS 3 VARIABLE ANNUITY ("SP PLUS 3") STRATEGIC PARTNERS/SM/ FLEXELITE VARIABLE ANNUITY ("SP FLEXELITE")

Supplement dated February 23, 2009 To Prospectuses dated May 1, 2008, as Supplemented

This supplement should be read and retained with the prospectus and supplements for your SPAO 3, SPAO Plus 3, and SP Flex-elite Annuity. If you would like another copy of the prospectus or the supplements, please call us at 1-888-PRU-2888. The terms used in this supplement are defined in the Glossary in the prospectus, unless specifically defined in this supplement. The optional living benefits and optional features described in this supplement are only being offered in those jurisdictions where we have received regulatory approval and will be offered subsequently in other jurisdictions when we receive regulatory approval in those jurisdictions.

This supplement describes new optional living benefits available under each of the above-referenced Contracts. If you currently own a Contract with a living benefit, you may terminate your existing benefit rider and elect these new benefits (subject to our current rules).

This supplement also describes a new optional feature available to current owners of Highest Daily Lifetime Five Income Benefit, Highest Daily Lifetime Seven Income Benefit, and Spousal Highest Daily Lifetime Seven Income Benefit that, if elected, would provide an alternative asset transfer formula for your benefit. Except as otherwise described in this supplement, all terms and conditions of your Contract and benefit rider for Highest Daily Lifetime Five Income Benefit, Highest Daily Lifetime Seven Income Benefit or Spousal Highest Daily Lifetime Seven Income Benefit apply and do not change.

In addition, this supplement also: (1) discusses that certain optional living benefits are no longer available (subject to regulatory approval of the benefits offered in this supplement); (2) discusses information about

Section 403(b) annuity contract exchanges; (3) provides information regarding purchasing a Contract if you are a beneficiary of an annuity contract that was owned by a decedent; and (4) provides additional information with respect to Highest Daily Lifetime Five, Highest Daily Lifetime Seven and Spousal Highest Daily Lifetime Seven.

SPVASUP4

P RUCO LIFE INSURANCE COMPANY

OF NEW JERSEY

Supplement, dated February 11, 2009

Prospectus, dated May 1, 2001

This supplement should be read and retained with your current prospectus. If you would like another copy of that prospectus, please call us at 800-752-6342.

Pruco Life Insurance Company of New Jersey ("PLNJ") incorporates by reference into the prospectus its latest annual report on Form 10-K filed pursuant to Section 13(a) or Section 15(d) of the Exchange Act since the end of the fiscal year covered by its latest annual report. In addition, all documents subsequently filed by PLNJ pursuant to Sections 13(a), 13 (c), 14 or 15(d) of the Exchange Act also are incorporated into the prospectus by reference. PLNJ will provide to each person, including any beneficial owner, to whom a prospectus is delivered, a copy of any or all of the information that has been incorporated by reference into the prospectus but not delivered with the prospectus. Such information will be provided upon written or oral request at no cost to the requester by writing to Prudential Annuities Life Assurance Corporation, One Corporate Drive, Shelton, CT 06484 or by calling 800-752-6342. PLNJ files periodic reports as required under the Securities Exchange Act of 1934. The public may read and copy any materials that PLNJ files with the SEC at the SEC's Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. The public may obtain information on the operation of the Public Reference Room by calling the SEC at 1-800-SEC-0330. The SEC maintains an Internet site that contains reports, proxy, and information statements, and other information regarding issuers that file electronically with the SEC (see http://www.sec.gov). Our internet address is http://www.prudentialannuities.com.

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

Strategic Partners Annuity One 3

Strategic Partners Plus 3

Strategic Partners FlexElite (Pruco Life Insurance Company only)

Supplement, dated January 20, 2009

Prospectuses, dated May 1, 2008

This Supplement should be read and retained with the current Prospectus for your contract. This Supplement is intended to update certain information in the Prospectus for the variable contract you own, and is not intended to be a prospectus or offer for any other variable contract listed here that you do not own. If you would like another copy of the current Prospectus, please contact us at 1-888-PRU-2888.

As detailed below, this supplement announces changes to your ability to cancel certain optional living benefits and either re-elect the same benefit or elect another living benefit.

WHEN CONSIDERING CANCELLATION OF AN EXISTING OPTIONAL LIVING BENEFIT WITH OR WITHOUT THE RE-ELECTION OF THE SAME BENEFIT OR ELECTION OF A NEW OPTIONAL LIVING BENEFIT, PLEASE REVIEW THE PROSPECTUS FOR COMPLETE DETAILS AND SPEAK TO YOUR FINANCIAL PROFESSIONAL. AMONG OTHER THINGS, THE NEW BENEFIT MAY BE MORE EXPENSIVE THAN YOUR EXISTING BENEFIT.

A. Lifetime Five - Elections of Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven. Under the section of the prospectus entitled "Lifetime Five Income Benefit", we replace the last two paragraphs within the sub-section entitled "Election of Lifetime Five" with the following:

We no longer permit elections of Lifetime Five - - whether for those who currently participate in Lifetime Five or for those who are buying a Contract for the first time. If you wish, you may cancel the Lifetime Five benefit. You may then elect Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven (or any other currently available living benefit) on the Business Day after you have cancelled the Lifetime Five benefit provided, the request is received in good order (subject to state availability and in accordance with any applicable age requirements). Upon your election of Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven, Contract Value may be transferred between the AST Investment Grade Bond Portfolio Sub-account and the other Sub-accounts according to the formula (See "Asset Transfer Component of Highest Daily Lifetime Seven/ Spousal Highest Daily Lifetime Seven" section for more details). It is possible that over time the formula could transfer some, all, or none of the Contract Value to the AST Investment Grade Bond Portfolio Sub-account under the newly-elected benefit. You should be aware that upon termination of the Lifetime Five benefit, you will lose the Protected Withdrawal Value, Annual Income Amount, and Annual Withdrawal Amount that you had accumulated under the benefit. Thus, the initial guarantees under any newly-elected benefit will be based on your current Account Value. Finally, please note that the fee for the Highest Daily Lifetime Seven and Spousal Highest Daily Lifetime Seven benefits is a percentage of Protected Withdrawal Value. Thus, if Protected Withdrawal Value is larger than Contract Value, the fee will be greater than it would have been had it been based on Contract Value. Once the Lifetime Five benefit is canceled you are not required to re-elect another optional living benefit and any subsequent benefit election may be made on or after the first Business Day following the cancellation of the Lifetime Five benefit provided that the benefit you are looking to elect is available on a post- issue basis .

Please refer to your prospectus for allowable ownership designations under the benefit you are electing.

B. Spousal Lifetime Five - Elections of Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven. Under the section of the prospectus entitled "Spousal Lifetime Five Income Benefit", we replace the last two paragraphs within the sub-section entitled "Election of and Designations of Spousal Lifetime Five" with the following:

We no longer permit elections of Spousal Lifetime Five - - whether for those who currently participate in Spousal Lifetime Five or for those who are buying a Contract for the first time. If you wish, you may cancel the Spousal Lifetime Five benefit. You may then elect Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven (or any other currently available living benefit) on the Business Day after have you cancelled the Spousal Lifetime Five benefit, provided the request is received in good order (subject to state availability and any applicable age requirements). Upon your election of Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven, Contract Value may be transferred between the AST Investment Grade Bond Portfolio Sub-account and the other Sub-accounts according to the formula (See "Asset Transfer Component of Highest Daily Lifetime Seven/ Spousal Highest Daily Lifetime Seven" section for more details). It is possible that over time the formula could transfer some, all, or none of the Contract Value to the AST Investment Grade Bond Portfolio Sub-account under the newly-elected benefit. You should be aware that upon termination of the Spousal Lifetime Five benefit, you will lose the Protected Withdrawal Value and Annual Income Amount that you had accumulated under the benefit. Thus, the initial guarantees under any newly-elected benefit will be based on your current Contract Value.

Also note that the fee for the Highest Daily Lifetime Seven and Spousal Highest Daily Lifetime Seven benefits is a percentage of Protected Withdrawal Value. Thus, if Protected Withdrawal Value is larger than Contract Value, the fee will be greater than it would have been had it been based on Contract Value. Once the Spousal Lifetime Five benefit is canceled you are not required to re-elect another optional living benefit and any subsequent benefit election may be made on or after the first Business Day following the cancellation of the Spousal Lifetime Five benefit provided that the benefit you are looking to elect is available on a post- issue basis .

Please refer to your prospectus for allowable ownership designations for the benefit you are electing.

C. Highest Daily Lifetime Five - Elections of Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven. Under the section of the prospectus entitled "Highest Daily Lifetime Five", we replace the last paragraph in the sub-section entitled "Election of and Designation under the Program" with the following:

We no longer permit elections of Highest Daily Lifetime Five - - whether for those who currently participate in Highest Daily Lifetime Five or for those who are buying a Contract for the first time. If you wish, you may cancel the Highest Daily Lifetime Five benefit. You may then elect Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven (or any other currently available living benefit) on the Business Day after you have cancelled the Highest Daily Lifetime Five benefit, provided the request is received in good order (subject to state availability and any applicable age requirements). Upon cancellation of the Highest Daily Lifetime Five benefit, any Contract Value allocated to the Benefit Fixed Rate Account used with the asset transfer formula will be reallocated to the Permitted Sub-Accounts according to your most recent allocation instructions or, in absence of such instructions, pro-rata. Upon your election of Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven, Contract Value may be transferred between the AST Investment Grade Bond Portfolio Sub-account and the other Sub-accounts according to the formula (See "Asset Transfer Component of Highest Daily Lifetime Seven/ Spousal Highest Daily Lifetime Seven" section for more details). It is possible that over time the formula could transfer some, all or none of the Contract Value to the AST Investment Grade Bond Portfolio Sub-account under the newly-elected benefit. You should be aware that upon termination of the Highest Daily Lifetime Five benefit, you will lose the Protected Withdrawal Value and Annual Income Amount that you had accumulated under the benefit, as well as any Enhanced Protected Withdrawal Value and Return of Principal Guarantees (if no withdrawals have been taken) . Thus, the initial guarantees under any newly-elected benefit will be based on your current Contract Value. Finally, please note that the fee for the Highest Daily Lifetime Seven and Spousal Highest Daily Lifetime Seven benefits is a percentage of Protected Withdrawal Value. Thus, if Protected Withdrawal Value is larger than Contract Value, the fee will be greater than it would have been had it been based on Contract Value. Once the Highest Daily Lifetime Five benefit is canceled you are not required to re-elect another optional living benefit and any subsequent benefit election may be made on or after the first Business Day following the cancellation of the Highest Daily Lifetime Five benefit provided that the benefit you are looking to elect is available on a post- issue basis .

Please refer to your prospectus for allowable ownership designations under the benefit you are electing.

D. Highest Daily Lifetime Seven - - Elections of Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven. Under the section of the prospectus entitled "Highest Daily Lifetime Seven", we replace the last paragraph in the sub-section entitled "Election of and Designations under the Program" with the following:

If you wish, you may cancel the Highest Daily Lifetime Seven benefit. You may then re-elect Highest Daily Lifetime Seven or elect Spousal Highest Daily Lifetime Seven (or any other currently available living benefit) on the Business Day after you have cancelled the Highest Daily Lifetime Seven benefit, provided the request is received in good order (subject to state availability and any applicable age requirements). Upon cancellation of the Highest Daily Lifetime Seven benefit, any Contract Value allocated to the AST Investment Grade Bond Portfolio Sub-account used with the asset transfer formula will be reallocated to the Permitted Sub-Accounts according to your most recent allocation instructions or, in absence of such instructions, pro-rata. Upon your election of either the Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven benefit, Contract Value may be transferred between the AST Investment Grade Bond Portfolio Sub-account and the other Sub-accounts according to the formula (See "Asset Transfer Component of Highest Daily Lifetime Seven/ Spousal Highest Daily Lifetime Seven" section for more details). It is possible that over time the formula could transfer some, all or none of the Contract Value to the AST Investment Grade Bond Portfolio Sub-account under the newly-elected benefit. You should be aware that upon termination of Highest Daily Lifetime Seven, you will lose the Protected Withdrawal Value (including the Tenth Anniversary Date Guarantee), Annual Income Amount, and the Return of Principal Guarantee that you had accumulated under the benefit. Thus, the initial guarantees under any newly-elected benefit will be based on your current Contract Value. Once the Highest Daily Lifetime Seven benefit is canceled you are not required to re-elect another optional living benefit and any subsequent benefit election may be made on or after the first Business Day following the cancellation of the Highest Daily Lifetime Seven benefit provided that the benefit you are looking to elect is available on a post- issue basis .

Please refer to your prospectus for allowable ownership designations under the benefit you are electing.

E. Spousal Highest Daily Lifetime Seven - - Elections of Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven. Under the section of the prospectus entitled "Spousal Highest Daily Lifetime Seven", we replace the last paragraph in the sub-section entitled "Election of and Designations under the Program" with the following:

If you wish, you may cancel the Spousal Highest Daily Lifetime Seven benefit. You may then re-elect Spousal Highest Daily Lifetime Seven or elect Highest Daily Lifetime Seven (or any other currently available living benefit) on the Business Day after you have cancelled the Spousal Highest Daily Lifetime Seven benefit, provided the request is received in good order (subject to state availability and any applicable age requirements). Upon cancellation of the Spousal Highest Daily Lifetime Seven benefit, any Contract Value allocated to the AST Investment Grade Bond Portfolio Sub-account used with the asset transfer formula will be reallocated to the Permitted Sub-Accounts according to your most recent allocation instruction or in absence of such instruction, pro-rata. Upon your election of Highest Daily Lifetime Seven or Spousal Highest Daily Lifetime Seven, Contract Value may be transferred between the AST Investment Grade Bond Portfolio Sub-account and the other Sub-accounts according to the formula (See "Asset Transfer Component of Highest Daily Lifetime Seven/ Spousal Highest Daily Lifetime Seven" section for more details). It is possible that over time the formula could transfer some, all or, none of the Contract Value to the AST Bond Portfolio Sub-accounts under the newly-elected benefit. You should be aware that upon termination of Spousal Highest Daily Lifetime Seven, you will lose the Protected Withdrawal Value (including the Tenth Anniversary Date Guarantee), Annual Income Amount, and the Return of Principal Guarantee that you had accumulated under the benefit. Thus, the initial guarantees under any newly-elected benefit will be based on your current Contract Value. Once the Spousal Highest Daily Lifetime Seven benefit is canceled you are not required to re-elect another optional living benefit and any subsequent benefit election may be made on or after the first Business Day following the cancellation of the Spousal Highest Daily Lifetime Seven benefit provided that the benefit you are looking to elect is available on a post- issue basis .

Please refer to your prospectus for allowable ownership designations under the benefit you are electing.

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

Strategic Partners Annuity One 3

Strategic Partners Plus 3

Strategic Partners FlexElite (Pruco Life Insurance Company only)

Supplement, dated December 15, 2008

Prospectuses, dated May 1, 2008

As detailed below, this supplement announces changes to your ability to cancel certain optional living benefits and either re-elect the same benefit or elect another living benefit.

AMONG OTHER THINGS, THE NEW BENEFIT MAY BE MORE EXPENSIVE THAN YOUR EXISTING BENEFIT.

Please refer to your prospectus for allowable ownership designations under the benefit you are electing.

Please refer to your prospectus for allowable ownership designations for the benefit you are electing.

Please refer to your prospectus for allowable ownership designations under the benefit you are electing.

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

Strategic Partners Annuity One 3

Strategic Partners Plus 3

Strategic Partners FlexElite (Pruco Life Insurance Company only)

Supplement, dated November 24, 2008

Prospectuses, dated May 1, 2008

A . Effective November 24, 2008, two additional sub-advisors are being added to AST Academic Strategies Asset Allocation Portfolio. Accordingly, in the section entitled "What Investment Options Can I Choose?", we add the sub-advisors referenced below to the column entitled "Portfolio Advisor/Sub-Advisor." First Quadrant L.P. (First Quadrant) and AlphaSimplex Group, LLC (AlphaSimplex) are being added as additional sub-advisors to AST Academic Strategies Asset Allocation Portfolio. The expenses and investment objectives/policies do not change as a result of the addition of the new sub-advisors.

B. Effective on or about December 15, 2008, Eaton Vance LLC will replace J.P. Morgan Investment Management, Inc. as sub-advisor for AST Large-Cap Value Portfolio.

C. Closing of Lifetime Five and Spousal Lifetime Five . Lifetime Five Income Benefit and Spousal Lifetime Five Income Benefit (the "Benefits" and each, a "Benefit") are described in the section of the prospectus entitled "What Are The Lifetime Withdrawal Benefits?". Effective December 8, 2008, we will cease offering the Benefits, for both new contract sales and in-force elections. If you currently participate in either Benefit, this closing does not affect you or the guarantees associated with your Benefit. However, subsequent to the closure, you will no longer be allowed to re-elect either Benefit if you decide to terminate a Benefit. Other living benefits may be available, subject to our election rules. Please refer to your prospectus for further details.

D. Asset Transfer Component of HD5 - Allocation of Contract Value. We replace the section of the prospectus entitled "Asset Transfer Component of Highest Daily Lifetime Five" with the following:

Asset Transfer Component of Highest Daily Lifetime Five As indicated above, we limit the sub-accounts to which you may allocate Contract Value if you elect Highest Daily Lifetime Five. For purposes of this benefit, we refer to those permitted sub-accounts as the "Permitted Sub-accounts". As a requirement of participating in Highest Daily Lifetime Five, we require that you participate in our specialized asset transfer program, under which we may transfer Contract Value between the Permitted Sub-accounts and a fixed interest rate account that is part of our general account (the "Benefit Fixed Rate Account"). We determine whether to make a transfer, and the amount of any transfer, under a non-discretionary formula, discussed below. The Benefit Fixed Rate Account is available only with this benefit, and thus you may not allocate Purchase Payments to the Benefit Fixed Rate Account. The interest rate that we pay with respect to the Benefit Fixed Rate Account is reduced by an amount that corresponds generally to the charge that we assess against your variable Sub-accounts for Highest Daily Lifetime Five. The Benefit Fixed Rate Account is not subject to the Investment Company Act of 1940 or the Securities Act of 1933.

your Protected Withdrawal Value for that day and then multiplies that figure by 5%, to produce a projected (i.e., hypothetical) Highest Daily Annual Income Amount. Then, using our actuarial tables, we produce an estimate of the total amount we would target in our allocation model, based on the projected Highest Daily Annual Income Amount each year for the rest of your life. In the formula, we refer to that value as the "Target Value" or "L". If you have already made a withdrawal, your projected Highest Daily Annual Income Amount (and thus your Target Value) would take into account any automatic step-up that was scheduled to occur according to the step-up formula described above. Next, the formula subtracts from the Target Value the amount held within the Benefit Fixed Rate Account on that day, and divides that difference by the amount held within the Permitted Sub-accounts. That ratio, which essentially isolates the amount of your Target Value that is not offset by amounts held within the Benefit Fixed Rate Account, is called the "Target Ratio" or "r". If the Target Ratio exceeds a certain percentage (currently 83%) it means essentially that too much Target Value is not offset by assets within the Benefit Fixed Rate Account, and therefore we will transfer an amount from your Permitted Sub-accounts to the Benefit Fixed Rate Account. Conversely, if the Target Ratio falls below a certain percentage (currently 77%), then a transfer from the Benefit Fixed Rate Account to the Permitted Sub-accounts would occur. Note that the formula is calculated with reference to the Highest Daily Annual Income Amount, rather than with reference to the Annual Income Amount.

As you can glean from the formula, poor investment performance of your Contract Value may result in a transfer of a portion of your Contract Value to the Benefit Fixed Rate Account, because such poor investment performance will tend to increase the Target Ratio. Moreover, "flat" investment returns of your Contract Value over a period of time also could result in the transfer of your Contract Value to the Benefit Fixed Rate Account. Because the amount allocated to the Benefit Fixed Rate Account and the amount allocated to the Permitted Sub-accounts each is a variable in the formula, the investment performance of each affects whether a transfer occurs for your contract. In deciding how much to transfer, we use another formula, which essentially seeks to re-balance amounts held in the Permitted Sub-accounts and the Benefit Fixed Rate Account so that the Target Ratio meets a target, which currently is equal to 80%. Once you elect Highest Daily Lifetime Five, the ratios we use will be fixed. For newly issued contracts that elect Highest Daily Lifetime Five and existing contracts that elect Highest Daily Lifetime Five, however, we reserve the right to change the ratios.

While you are not notified when your contract reaches a reallocation trigger, you will receive a confirmation statement indicating the transfer of a portion of your Contract Value either to or from the Benefit Fixed Rate Account. The formula by which the reallocation triggers operate is designed primarily to mitigate the financial risks that we incur in providing the guarantee under Highest Daily Lifetime Five.

Depending on the results of the calculation relative to the reallocation triggers, we may, on any day:

. Not make any transfer between the Permitted Sub-accounts and the Benefit Fixed Rate Account; or

. If a portion of your Contract Value was previously allocated to the Benefit Fixed Rate Account, transfer all or a portion of those amounts to the Permitted Sub-accounts, based on your existing allocation instructions or (in the absence of such existing instructions) pro rata (i.e., in the same proportion as the current balances in your variable investment options). Amounts taken out of the Benefit Fixed Rate Account will be withdrawn for this purpose on a last-in, first-out basis (an amount renewed into a new guarantee period under the Benefit Fixed Rate Account will be deemed a new investment for purposes of this last-in, first-out rule); or

. Transfer all or a portion of your Contract Value in the Permitted Sub-accounts pro-rata to the Benefit Fixed Rate Account. The interest that you earn on such transferred amount will be equal to the annual rate that we have set for that day, and we will credit the daily equivalent of that annual interest until the earlier of one year from the date of the transfer or the date that such amount in the Benefit Fixed Rate Account is transferred back to the Permitted Sub-accounts.

If your entire Contract Value is transferred to the Benefit Fixed Rate Account, then based on the way the formula operates, the formula will not transfer amounts out of the Benefit Fixed Rate Account to the Permitted Sub-accounts and the entire Contract Value would remain in the Benefit Rate Fixed Account. If you make additional Purchase Payments to your contract, they will be allocated to the Sub-accounts according to your allocation instructions. Such additional Purchase Payments may or may not cause the formula to transfer money in or out of the Benefit Fixed Rate Account. Once the Purchase Payments are allocated to your contract, they will also be subject to the mathematical formula, which may result in immediate transfers to or from the Benefit Fixed Rate Account, if dictated by the formula.

The amount that is transferred to and from the Benefit Fixed Rate Account pursuant to the mathematical formula depends upon a number of factors unique to your contract (and is not necessarily directly correlated with the securities markets, bond markets, or interest rates, in general) including:

. How long you have owned Highest Daily Lifetime Five;

. The performance of the Permitted Sub-accounts you have chosen;

. The performance of the Benefit Fixed Rate Account (i.e., the amount of interest credited to the Benefit Fixed Rate Account);

. The amount you have allocated to each of the Permitted Sub-accounts you have chosen;

. The amount you have allocated to the Benefit Fixed Rate Account;

. Additional Purchase Payments, if any, you make to your contract;

. Withdrawals, if any, you take from your contract (withdrawals are taken pro rata from your Contract Value).

Any Contract Value in the Benefit Fixed Rate Account will not be available to participate in the investment experience of the Permitted Sub-accounts if there is a recovery until it is moved out of the Benefit Fixed Rate Account.

The more of your Contract Value allocated to the Benefit Fixed Rate Account under the formula, the greater the impact of the performance of the Benefit Fixed Rate Account in determining whether (and how much) of your Contract Value is transferred back to the Permitted Sub-accounts. Further, it is possible under the formula, that if a significant portion your Contract Value is allocated to the Benefit Fixed Rate Account and that Account has good performance but the performance of your Permitted Sub-accounts is negative, that the formula might transfer your Contract Value to the Permitted Sub-accounts. Thus, the converse is true too (the more you have allocated to the Permitted Sub-accounts, the greater the impact of the performance of those Sub-accounts will have on any transfer to the Benefit Fixed Rate Account).

E. Asset Transfer Component of HD7 and SHD7 - Allocation of Contract Value. We replace the sections of the prospectus entitled "Asset Transfer Component of Highest Daily Lifetime Seven" and "Asset Transfer Component of Spousal Highest Daily Lifetime Seven" (as applicable) with the following:

Asset Transfer Component of Highest Daily Lifetime Seven/Spousal Highest Daily Lifetime Seven As indicated above, we limit the Sub-accounts to which you may allocate Contract Value if you elect Highest Daily Lifetime Seven/Spousal Highest Daily Lifetime Seven. For purposes of the benefit, we refer to those permitted Sub-accounts as the "Permitted Sub-accounts". As a requirement of participating in Highest Daily Lifetime Seven/Spousal Highest Daily Lifetime Seven, we require that you participate in our specialized asset transfer program, under which we may transfer Contract Value between the Permitted Sub-accounts and a specified bond fund within the Advanced Series Trust (the "AST Investment Grade Bond Sub-account"). We determine whether to make a transfer, and the amount of any transfer, under a non-discretionary mathematical formula, discussed below. The AST Investment Grade Bond Sub-account is available only with this benefit, and thus you may not allocate Purchase Payments to the AST Investment Grade Bond Sub-account. Under the asset transfer component of Highest Daily Lifetime Seven/Spousal Highest Daily Lifetime Seven, we monitor your Contract Value daily and, if dictated by the formula, systematically transfer amounts between the Permitted Sub-accounts you have chosen and the AST Investment Grade Bond Sub-account. Any transfer would be made in accordance with a formula, which is set forth in the Appendices to this prospectus.

Speaking generally, the formula, which we apply each Business Day, operates as follows. The formula starts by identifying an income basis for that day and then multiplies that figure by 5%, to produce a projected (i.e., hypothetical) income amount. Note that we use 5% in the formula, irrespective of the Annuitant's attained age. Then we produce an estimate of the total amount we would target in our allocation model, based on the projected income amount and factors set forth in the formula. In the formula, we refer to that value as the "Target Value" or "L". If you have already made a withdrawal, your projected income amount (and thus your Target Value) would take into account any automatic step-up, any subsequent purchase payments, and any excess withdrawals. Next, the formula subtracts from the Target Value the amount held within the AST Investment Grade Bond Sub-account on that day, and divides that difference by the amount held within the Permitted Sub-accounts. That ratio, which essentially isolates the amount of your Target Value that is not offset by amounts held within the AST Investment Grade Bond Sub-account, is called the "Target Ratio" or "r". If the Target Ratio exceeds a certain percentage (currently 83%), it

means essentially that too much Target Value is not offset by assets within the AST Investment Grade Bond Sub-account, and therefore we will transfer an amount from your Permitted Sub-accounts to the AST Investment Grade Bond Sub-account. Conversely, if the Target Ratio falls below a certain percentage (currently 77%), then a transfer from the AST Investment Grade Bond Sub-account to the Permitted Sub-accounts would occur.

As you can glean from the formula, poor investment performance of your Contract Value may result in a transfer of a portion of your Contract Value to the AST Investment Grade Bond Sub-account because such poor investment performance will tend to increase the Target Ratio. Moreover, "flat" investment returns of your Contract Value over a period of time also could result in the transfer of your Contract Value from the Permitted Sub-accounts to the AST Investment Grade Bond Sub-account. Because the amount allocated to the AST Investment Grade Bond Sub-account and the amount allocated to the Permitted Sub-accounts each is a variable in the formula, the investment performance of each affects whether a transfer occurs for your Contract. In deciding how much to transfer, we use another formula, which essentially seeks to re-balance amounts held in the Permitted Sub-accounts and the AST Investment Grade Bond Sub-account so that the Target Ratio meets a target, which currently is equal to 80%. Once you elect Highest Daily Lifetime Seven/Spousal Highest Daily Lifetime Seven, the ratios we use will be fixed. For newly-issued contracts that elect Highest Daily Lifetime Seven/Spousal Highest Daily Lifetime Seven and existing contracts that elect Highest Daily Lifetime Seven/Spousal Highest Daily Lifetime Seven, however, we reserve the right to change the ratios.

While you are not notified when your contract reaches a reallocation trigger, you will receive a confirmation statement indicating the transfer of a portion of your Contract Value either to or from the AST Investment Grade Bond Sub-account. The formula by which the reallocation triggers operate is designed primarily to mitigate the financial risks that we incur in providing the guarantee under Highest Daily Lifetime Seven/Spousal Highest Daily Lifetime Seven.

Depending on the results of the calculation relative to the reallocation triggers, we may, on any day:

. Not make any transfer between the Permitted Sub-accounts and the AST Investment Grade Bond Sub-account; or

. If a portion of your Contract Value was previously allocated to the AST Investment Grade Bond Sub-account, transfer all or a portion of those amounts to the Permitted Sub-accounts, based on your existing allocation instructions or (in the absence of such existing instructions) pro rata (i.e., in the same proportion as the current balances in your variable investment options). Amounts taken out of the AST Investment Grade Bond Sub-account will be withdrawn for this purpose on a last-in, first-out basis; or

. Transfer all or a portion of your Contract Value in the Permitted Sub-accounts pro-rata to the AST Investment Grade Bond Sub-account.

If your entire Contract Value is transferred to the AST Investment Grade Bond Sub-account, then based on the way the formula operates, the formula will not transfer amounts out of the AST Investment Grade Bond Sub-account to the Permitted Sub-accounts and the entire Contract Value would remain in the AST Investment Grade Bond Sub-account. If you make additional Purchase Payments to your contract, they will be allocated to the Sub-accounts according to your allocation instructions. Such additional Purchase Payments may or may not cause the formula to transfer money in or out of the AST Investment Grade Bond Sub-account. Once the Purchase Payments are allocated to your contract, they will also be subject to the mathematical formula, which may result in immediate transfers to or from the AST Investment Grade Bond Sub-accounts, if dictated by the formula.

The amount that is transferred to and from the AST Investment Grade Bond Sub-account pursuant to the mathematical formula depends upon a number of factors unique to your contract (and is not necessarily directly correlated with the securities markets, bond markets, or interest rates, in general) including:

. How long you have owned Highest Daily Lifetime Seven/Spousal Highest Daily Lifetime Seven;

. The performance of the Permitted Sub-accounts you have chosen;

. The performance of the AST Investment Grade Bond Sub-account;

. The amount you have allocated to each of the Permitted Sub-accounts you have chosen;

. The amount you have allocated to the AST Investment Grade Bond Sub-account;

. Additional Purchase Payments, if any, you make to your contract;

. Withdrawals, if any, you take from your contract (withdrawals are taken pro rata from your Contract Value).

Any Contract Value in the AST Investment Grade Bond Sub-account will not be available to participate in the investment experience of the Permitted Sub-accounts if there is a recovery until it is moved out of the AST Investment Grade Bond Sub-account.

The more of your Contract Value allocated to the AST Investment Grade Bond Sub-account under the formula, the greater the impact of the performance of that Sub-account in determining whether (and how much) of your Contract Value is transferred back to the Permitted Sub-accounts. Further, it is possible under the formula, that if a significant portion your Contract Value is allocated to the AST Investment Grade Bond Sub-account and that Sub-account has good performance but the performance of your Permitted Sub-accounts is negative, that the formula might transfer your Contract Value to the Permitted Sub-accounts. Thus, the converse is true too (the more you have allocated to the Permitted Sub-accounts, the greater the impact of the performance of those Sub-accounts will have on any transfer to the AST Investment Grade Bond Sub-account).

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

STRATEGIC PARTNERS/SM/ ANNUITY ONE 3

STRATEGIC PARTNERS/SM/ PLUS 3

STRATEGIC PARTNERS FLEXELITE

(Pruco Life Insurance Company only)

Supplement, dated July 21, 2008

Prospectus, dated May 1, 2008

This supplement should be read and retained with the prospectus for your annuity. If you would like another copy of the prospectus, please call us at 1-888-PRU-2888.

This supplement is being issued to describe several changes that we are making to the variable investment options within each of the above-referenced annuities. We summarize each change immediately below, and then indicate how the pertinent portion of each prospectus is amended to reflect the change.

The changes are as follows:

1. AST Conservative Asset Allocation Portfolio; AST Balanced Asset Allocation Portfolio; and AST American Century Strategic Allocation Portfolio. The name and investment objectives of each Portfolio are being changed. (In the case of the AST Balanced Asset Allocation Portfolio and AST American Century Strategic Allocation Portfolio only, the changed investment objective was authorized by a vote of Annuity Owners). AST Conservative Asset Allocation Portfolio has been renamed AST Balanced Asset Allocation Portfolio and will be sub-advised by Quantitative Management Associates LLC, the original AST Balanced Asset Allocation Portfolio has become AST Academic Strategies Asset Allocation Portfolio, and AST American Century Strategic Allocation Portfolio has become AST Schroders Multi-Asset World Strategies Portfolio. Accordingly, we (a) reflect the revised Portfolio names in the list of Investment Options on the inside front cover, and (b) with respect to AST Balanced Asset Allocation Portfolio and AST Schroders Multi-Asset World Strategies Portfolio only, set forth the revised fees of each Portfolio in the table of Underlying Mutual Fund Portfolio Annual Expenses, and (c) in the prospectus section discussing the applicable optional benefit, include each Portfolio within the group of portfolios that are permitted if you elect Lifetime Five, Spousal Lifetime Five, Highest Daily Lifetime Five, Highest Daily Lifetime Seven, Spousal Highest Daily Lifetime Seven, or the Highest Daily Value death benefit (if available), and (d) include a summary description of the Portfolio in the chart of each Portfolio's Investment Objectives and Policies. In addition, to reflect the effect of each Portfolio on the average fees of all Portfolios available under the Annuity, we describe the effect of the revised average fees on the comparison charts appearing within the section entitled "Selecting the Annuity That's Right for You."

2. Merger of AST DeAm Small-Cap Value Portfolio into AST Small-Cap Value Portfolio. The AST DeAm Small-Cap Value Portfolio has merged out of existence into the AST Small-Cap Value Portfolio. Accordingly, we remove the AST DeAm Small-Cap Value Portfolio from the list of Investment Options on the inside front cover.

3. AST Small-Cap Growth Portfolio. Neuberger Berman Management Inc. is no longer a sub-adviser to this Portfolio. The assets formerly managed by Neuberger Berman now are managed by Eagle Asset Management. Accordingly, we revise the summary description of this Portfolio in the chart of each Portfolio's Investment Objectives and Policies.

4. AST Neuberger Berman Mid-Cap Value Portfolio. We have added LSV Asset Management as a sub-adviser to this Portfolio and have re-named the Portfolio the AST Neuberger Berman / LSV Mid-Cap Value Portfolio. Accordingly, we (a) reflect the revised Portfolio name in the list of Investment Options on the inside front cover and in footnote 3 to the table within Underlying Mutual Fund Portfolio Annual Expenses, and (b) include a revised summary description of the Portfolio in the chart of the Portfolio's Investment objectives and Policies.

5. SP Aggressive Asset Allocation Portfolio, SP Growth Asset Allocation Portfolio, SP Balanced Asset Allocation Portfolio, SP Conservative Asset Allocation Portfolio, Global Portfolio. We are adding Quantitative Management Associates LLC as a sub-adviser to each Portfolio. Accordingly, we include a revised summary description of each Portfolio in the chart of each Portfolio's Investment Objectives and Policies. Also being added as sub-advisers are Prudential Investment Management, Inc. and Jennison Associates LLC.

With respect to the changed fees referenced above, here is a fee table showing the applicable underlying mutual fund portfolio annual expenses:

Acquired Total

Portfolio Annual

Management Other Fees & Portfolio

FUNDS Fee Expenses 12b-1 Fee Expenses Expenses

-------------------------------------------------------------------------------------------------------------

AST Academic Strategies Asset Allocation /1,2,3,4/ 0.72% 0.10% 0.00% 0.69% 1.51%

Management and Other Expense fee waivers/reduction: 0.02%

Net expenses after fee reimbursement/expense waiver: 1.49%

AST Schroders Multi-Asset World Strategies 1.10% 0.16% 0.00% 0.14% 1.40%

AST Balanced Asset Allocation 0.15% 0.02% 0.00% 0.87% 1.04%

1 Estimated Other Expenses for the fiscal year ending December 31, 2008. As used in connection with the Portfolio, "Other Expenses" include certain operating expenses, including, without limitation, fees for custodian services, Independent Trustees' fees, and fees for legal, accounting, valuation, and transfer agency services. The Trust has also entered into arrangements with the issuers of the variable insurance products offering the Portfolio under which the Trust currently compensates such issuers for providing ongoing services to Portfolio shareholders (e.g., the printing and mailing of Trust prospectuses and shareholder reports) in lieu of the Trust providing such services directly to shareholders. The contractual administrative services fee is 0.10% of the Portfolio's average daily net assets. The Portfolio is not directly subject to the administrative services fee to the extent it invests in the Core Plus Bond Portfolio or any other Trust Portfolio (each, an Underlying Trust Portfolio and collectively, the Underlying Trust Portfolios). The Core Plus Bond Portfolio and each Underlying Trust Portfolio in which the Portfolio invests, however, are subject to the administrative services fee. See footnote 1 of the table within "Underlying Mutual Fund Portfolio Annual Expenses" in the May 1, 2008 prospectus for a discussion of the administrative services fee applicable to certain other AST Portfolios.

2 Estimated Underlying Portfolio Fees & Expenses for the fiscal year ending December 31, 2008. The Portfolio will indirectly incur a pro rata portion of the fees and expenses of the Core Plus Bond Portfolio and any other Underlying Trust Portfolio in which it invests. The expenses shown under "Underlying Portfolio Fees and Expenses" represent the portion of the Core Plus Bond Portfolio's estimated annualized operating expense ratio for the fiscal year ending December 31, 2008 to be borne by the Portfolio based upon the Portfolio's expected initial holdings in the Core Plus Bond Portfolio. No sales loads, distribution fees, service fees, redemption fees, or other transaction fees will be assessed in connection with the Portfolio's purchase or redemption of shares of Underlying Trust Portfolios.

3 Estimated Contractual Fee Waiver and/or Expense Reimbursement for the fiscal year ending December 31, 2008. The Investment Managers have contractually agreed to waive their investment management fees with respect to the Portfolio's investments in the Core Plus Bond Portfolio (i.e., assumes a waiver of 25% of the Investment Managers' contractual investment management fee).

4 The Co-Managers have contractually agreed to reimburse expenses and/or waive fees so that the Academic Strategies Portfolio's investment management fees plus "Other Expenses" (exclusive in all cases of taxes, interest, brokerage commissions, distribution fees, and extraordinary expenses) do not exceed 0.80% of the Portfolio's average daily net assets during the Academic Strategies Portfolio's first year of operations (i.e., expected to be July 21, 2008 through July 20, 2009).

With respect to the changed Investment Objectives/Policies referenced above, here is a table showing the applicable changes:

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STYLE/ INVESTMENT OBJECTIVES/POLICIES PORTFOLIO

TYPE ADVISOR/

SUB-ADVISOR

--------------------------------------------------------------------------

ADVANCED SERIES TRUST

--------------------------------------------------------------------------

ASSET AST Schroders Multi-Asset World Schroder

ALLOCA Strategies (formerly known as AST Investment

TION/ American Century Strategic Management North

BALANCED Allocation Portfolio): The AST America Inc.

Schroders Multi-Asset World Strategies

Portfolio seeks long-term capital

appreciation through a global flexible

asset allocation approach. This asset

allocation approach entails investing

in traditional asset classes, such as

equity and fixed-income investments,

and alternative asset classes, such as

investments in real estate,

commodities, currencies, private

equity, and absolute return strategies.

The sub-advisor seeks to emphasize the

management of risk and volatility.

Exposure to different asset classes and

investment strategies will vary over

time based upon the sub advisor's

assessments of changing market,

economic, financial and political

factors and events.

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ASSET AST Academic Strategies Asset Credit Suisse

ALLOCA Allocation (formerly known as AST Securities (USA)

TION/ Balanced Asset Allocation LLC; Jennison

BALANCED Portfolio): seeks total return Associates LLC;

consistent with its specified level Mellon Capital

of risk. The Portfolio will be a Management

multi-asset class fund that employs Corporation; Pacific

both top-down asset allocation Investment

strategies and bottom-up Management

manager/security selection. Under Company LLC

normal circumstances, approximately (PIMCO);

60% of the assets will be allocated Prudential Bache

to traditional asset classes Asset Management,

(including US and international Incorporated;

equities and bonds) and Quantitative

approximately 40% of the assets will Management

be allocated to nontraditional asset Associates LLC

classes (including real estate,

commodities, and alternative

strategies). Those percentages are

subject to change by the Investment

Managers.

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ASSET AST Balanced Asset Allocation AST Investment

ALLOCA (formerly known as AST Conservative Services, Inc. &

TION/ Asset Allocation Portfolio): seeks Prudential

BALANCED the highest potential total return Investments LLC;

consistent with its specified level Quantitative

of risk tolerance. The Portfolio Management

will invest its assets in several Associates LLC

other Advanced Series Trust

Portfolios. Under normal market

conditions, the Portfolio will

devote approximately 60% of its net

assets to underlying portfolios

investing primarily in equity

securities (with a range of 52.5% to

67.5%), and 40% of its net assets to

underlying portfolios investing

primarily in debt securities and

money market instruments (with a

range of 32.5% to 47.5%).

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MID CAP AST Neuberger Berman / LSV Mid-Cap LSV Asset

VALUE Value Portfolio (formerly known as Management;

AST Neuberger Berman Mid-Cap Value Neuberger Berman

Portfolio): seeks capital growth. Management Inc.

Under normal market conditions, the

Portfolio invests at least 80% of

its net assets in the common stocks

of medium capitalization companies.

For purposes of the Portfolio,

companies with market

capitalizations that fall within the

range of the Russell Mid-cap(R)

Index at the time of investment are

considered medium capitalization

companies. Some of the Portfolio's

assets may be invested in the

securities of large-cap companies as

well as in small-cap companies.

Under the Portfolio's value-oriented

investment approach, the subadviser

looks for companies whose stock

prices are undervalued and that may

raise in price before other

investors realize their worth.

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SMALL AST Small-Cap Growth Portfolio: Eagle Asset

CAP seeks long-term capital growth. The Management

GROWTH Portfolio pursues its objective by

investing, under normal

circumstances, at least 80% of the

value of its assets in

small-capitalization companies.

Small-capitalization companies are

those companies with a market

capitalization, at the time of

purchase, no larger than the largest

capitalized company included in the

Russell 2000(R) Index at the time of

the Portfolio's investment.

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STYLE/         INVESTMENT OBJECTIVES/POLICIES         PORTFOLIO
  TYPE                                                  ADVISOR/
                                                      SUB-ADVISOR
--------------------------------------------------------------------------
                  THE PRUDENTIAL SERIES FUND
--------------------------------------------------------------------------
INTERNA     Global Portfolio: seeks long-term         LSV Asset
TIONAL      growth of capital. The Portfolio         Management;
EQUITY      invests primarily in common stocks     Marsico Capital
             (and their equivalents) of foreign     Management, LLC;
             and U.S. companies. Each subadviser     T. Rowe Price
             for the Portfolio generally will use   Associates, Inc.;
             either a "growth" approach or a        William Blair &
             "value" approach in selecting either    Company, LLC;
             foreign or U.S. common stocks.           Quantitative
                                                       Management
                                                     Associates LLC
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  ASSET      SP Aggressive Growth Asset                Prudential
  ALLOCA     Allocation Portfolio: seeks to         Investments LLC;
  TION/      obtain the highest potential total       Quantitative
BALANCED    return consistent with the specified      Management
             level of risk tolerance. The            Associates LLC
             Portfolio may invest in any other
             Portfolio of the Fund (other than
             another SP Asset Allocation
             Portfolio), the AST Marsico Capital
             Growth Portfolio of Advanced Series
             Trust (AST), and the AST
             International Value Portfolio of AST
             (the Underlying Portfolios). Under
             normal circumstances, the Portfolio
             generally will focus on equity
             Underlying Portfolios but will also
             invest in fixed-income Underlying
             Portfolios.
--------------------------------------------------------------------------
  ASSET      SP Balanced Asset Allocation              Prudential
  ALLOCA     Portfolio: seeks to obtain the         Investments LLC;
  TION/      highest potential total return           Quantitative
BALANCED    consistent with the specified level       Management
             of risk tolerance. The Portfolio may    Associates LLC
             invest in any other Portfolio of the
             Fund (other than another SP Asset
             Allocation Portfolio), the AST
             Marsico Capital Growth Portfolio of
             Advanced Series Trust (AST), and the
             AST International Value Portfolio of
             AST (the Underlying Portfolios). The
             Portfolio will invest in equity and
             fixed-income Underlying Portfolios.
--------------------------------------------------------------------------
  ASSET      SP Conservative Asset Allocation          Prudential
  ALLOCA     Portfolio: seeks to obtain the         Investments LLC;
  TION/      highest potential total return           Quantitative
BALANCED    consistent with the specified level       Management
             of risk tolerance. The Portfolio may    Associates LLC
             invest in any other Portfolio of the
             Fund (other than another SP Asset
             Allocation Portfolio), the AST
             Marsico Capital Growth Portfolio of
             Advanced Series Trust (AST), and the
             AST International Value Portfolio of
             AST (the Underlying Portfolios).
             Under normal circumstances, the
             Portfolio generally will focus on
             fixed-income Underlying Portfolios
             but will also invest in equity
             Underlying Portfolios.
--------------------------------------------------------------------------
  ASSET      SP Growth Asset Allocation                Prudential
  ALLOCA     Portfolio: seeks to obtain the         Investments LLC;
  TION/      highest potential total return           Quantitative
BALANCED    consistent with the specified level       Management
             of risk tolerance. The Portfolio may    Associates LLC
             invest in any other Portfolio of the
             Fund (other than another SP Asset
             Allocation Portfolio), the AST
             Marsico Capital Growth Portfolio of
             Advanced Series Trust (AST), and the
             AST International Value Portfolio of
             AST (the Underlying Portfolios).
             Under normal circumstances, the
             Portfolio generally will focus on
             equity Underlying Portfolios but
             will also invest in fixed- income
             Underlying Portfolios.
--------------------------------------------------------------------------

In the May 1, 2008 prospectuses, the summary fund descriptions of the AST Balanced Asset Allocation Portfolio and the AST Capital Growth Asset Allocation Portfolio were reversed. Thus, the correct summary fund description for each such Portfolio should have been as follows:

AST Balanced Asset Allocation Portfolio: seeks the highest potential total return consistent with its specified level of risk tolerance. The Portfolio will invest its assets in several other Advanced Series Trust Portfolios. Under normal market conditions, the Portfolio will devote approximately 65% of its net assets to underlying portfolios investing primarily in equity securities (with a range of 57.5% to 72.5%), and 35% of its net assets to underlying portfolios investing primarily in debt securities and money market instruments (with a range of 27.5% to 42.5%).

AST Capital Growth Asset Allocation Portfolio: seeks the highest potential total return consistent with its specified level of risk tolerance. The Portfolio will invest its assets in several other Advanced Series Trust Portfolios. Under normal market conditions, the Portfolio will devote approximately 75% of its net assets to underlying portfolios investing primarily in equity securities (with a range of 67.5% to 80%), and 25% of its net assets to underlying portfolios investing primarily in debt securities and money market instruments (with a range of 20.0% to 32.5%).

In the appendices to each prospectus, entitled Selecting The Variable Annuity That's Right For You, we set forth hypothetical illustrations of Contract Value and Surrender Value for each annuity. Those illustrations assume average fund expenses of 0.94% (which, for Strategic Partners Plus, excludes Evergreen fund expenses). As a result of the fund changes described in this supplement, the average fund expenses have changed to 0.95%. This change in average fund expenses would have the effect of decreasing the hypothetical illustrated values by a commensurate amount.

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

Strategic Partners Plus 3

Supplement to Prospectuses Dated May 1, 2008 Supplement dated May 1, 2008

This Supplement should be read and retained with the current Prospectus for your annuity. This Supplement is intended to update certain information in the Prospectus for the variable annuity you own, and is not intended to be a prospectus or offer for any other variable annuity listed here that you do not own. If you would like another copy of the current Prospectus, please contact us at 1-888-PRU-2888.

We are issuing this supplement to describe a name and investment objective change of the Evergreen VA Balanced Fund, which takes place on May 30, 2008. The Fund expenses are not changing in connection with this change.

In Part II Section 2 of your Prospectus, "What Investment Options Can I Choose?" please replace the INVESTMENT OBJECTIVES/POLICIES of the Evergreen VA Balanced Fund with the information below

-------------------- ----------------------------------------------------------- ------------------------------------
                                                                                            PORTFOLIO
       STYLE/                                                                                ADVISOR/
        TYPE                        INVESTMENT OBJECTIVES/POLICIES                         SUB-ADVISOR
-------------------- ----------------------------------------------------------- ------------------------------------
Asset Allocation/    Evergreen VA Balanced (effective May 30, 2008, will be      Evergreen Investment
Balanced             renamed Evergreen VA Diversified Capital Builder): seeks    Management Company,
                     capital growth and current income. The Portfolio invests in LLC
                     a portfolio of equity and debt securities chosen for the
                     potential for current income and capital growth. The
                     proportion of the Fund's assets invested in fixed income
                     and equity securities will change based on the portfolio
                     manager's assessment of economic conditions and investment
                     opportunities. The equity portion of the Portfolio may
                     include principally common and preferred stocks of U.S.
                     companies across a broad range of market capitalizations,
                     but will generally maintain a dollar-weighted average
                     market capitalization within the market capitalization
                     range tracked by the Russell 1000 Index. The Portfolio's
                     manager will seek out companies that she believes have
                     strong fundamental attributes and growth prospects with
                     valuations that leave ample room for capital appreciation.
                     Through May 29, 2008, the Portfolio normally invests at
                     least 25% of its assets in fixed income securities.
                     Effective May 30, 2008, the Fund generally expects to
                     invest approximately 10-30% of its assets in fixed income
                     securities. The Portfolio's fixed income investments may
                     include U.S. government securities, corporate bonds,
                     convertible bonds, mortgage-backed securities, asset-backed
                     securities, collateralized mortgage obligations (CMOs) and
                     other income producing securities. The Portfolio may invest
                     without limit in securities rated below investment grade
                     (or unrated securities determined by the portfolio manager
                     to be of comparable quality). The Fund may, but will not
                     necessarily, use derivative instruments, such as structured
                     notes, futures and options, and swap agreements, as an
                     alternative to investments directly in income-producing
                     securities or to manage risk. The Portfolio may also, but
                     will not necessarily, enter into foreign currency exchange
                     contracts to hedge against adverse changes in currency
                     exchange rates related to non-US dollar denominated
                     holdings. The Portfolio can invest up to 25% of its assets
                     in foreign equity and fixed income securities.
-------------------- ----------------------------------------------------------- ------------------------------------

Pruco Life Insurance Company

Pruco Life Insurance Company Of New Jersey

Prudential Premier Series

Strategic Partners Annuity One 3

Strategic Partners Plus 3

Strategic Partners FlexElite

(version of contract sold on or after May 1, 2003)

Strategic Partners Select

Supplement, dated November 20, 2006

Prospectuses, dated May 1, 2006

In this supplement, we describe a new administrative feature, under which an annuity owned by a custodial account established to hold retirement assets for the benefit of the annuitant may be continued by the surviving spouse of the annuitant. To reflect this change, we make the following changes to the above referenced prospectuses:

Prudential Premier Series

The text below is added as a new paragraph to the section of each Prudential Premier prospectus entitled "Managing Your Annuity", in the sub-section entitled "May I Change the Owner, Annuitant and Beneficiary Designations?", under the heading "Spousal Owners/Spousal Beneficiaries", which will now read "Spousal Owners/Spousal Beneficiaries/Spousal Annuitants"; and (2) the section entitled "Death Benefit", in the sub-section entitled "Payment of Death Benefits", under the heading entitled "Spousal Beneficiary - Assumption of Annuity". In addition, with respect to the latter, the cross-reference in the second paragraph of the heading entitled "Spousal Beneficiary - Assumption of Annuity" is changed to refer to the heading "Contingent Annuitant" under "Managing Your Annuity".

"Spousal assumption also is permitted, subject to our rules, if the Annuity is held by a custodial account established to hold retirement assets for the benefit of the natural person Annuitant pursuant to the provisions of Section 408(a) of the Internal Revenue Code (or any successor Code section thereto) ("Custodial Account") and, on the date of the Annuitant's death, the spouse of the Annuitant is (1) the Contingent Annuitant under the Annuity and (2) the beneficiary of the Custodial Account. The ability to continue the Annuity in this manner will result in the Annuity no longer qualifying for tax deferral under the Internal Revenue Code. However, such tax deferral should result from the ownership of the Annuity by the Custodial Account. Please consult your tax or legal adviser."

In the section of each Prudential Premier Prospectus entitled "Managing Your Annuity", in the sub-section entitled "May I Change the Owner, Annuitant and Beneficiary Designations?", the following text replaces the text under the heading "Contingent Annuitant":

"Generally, if an Annuity is owned by an entity, and the entity has named a Contingent Annuitant, the Contingent Annuitant will become the Annuitant upon the death of the Annuitant, and no Death Benefit is payable. However, the Account Value of the Annuity as of the date of due proof of death of the Annuitant will reflect the amount that would have been payable had a Death Benefit been paid. Unless we agree otherwise, the Annuity is only eligible to have a Contingent Annuitant designation if the entity that owns the Annuity is

(1) a plan described in Internal Revenue Code Section 72(s)(5)(A)(i) (or any successor Code section thereto); (2) an entity described in Code Section

72(u)(1) (or any successor Code section thereto); or (3) a custodial account established pursuant to the provisions in Code Section 408(a) (or any successor Code section thereto) ("Custodial Account").

Where the Annuity is held by a Custodial Account, the Contingent Annuitant will not automatically become the Annuitant upon the death of the Annuitant. Upon the death of the Annuitant, the Custodial Account will have the choice, subject to our rules, to either elect to receive the Death Benefit or elect to continue the Annuity. See the section above entitled "Spousal Owners/Spousal Beneficiaries/Spousal Annuitants" for more information."

In the section of the prospectus entitled "Living Benefit Programs", in the sub-section entitled "Spousal Lifetime Five Income Benefit", under the heading "Election of and Designations under the Program", the following is added after the second bullet to describe how the designations should be set up upon the election of the Spousal Lifetime Five benefit by a custodial account:

- One Annuity Owner, where the Owner is a custodial account established to hold retirement assets for the benefit of the Annuitant pursuant to the provisions of Section 408(a) of the Internal Revenue Code (or any successor Code section thereto) ("Custodial Account"), the Beneficiary is the Custodial Account, and the spouse of the Annuitant is the Contingent Annuitant.

Both the Annuitant and Contingent Annuitant must each be at least 55 years old at the time of election. When the Annuity is set up in this manner, in order for Spousal Lifetime Five to be continued after the death of the first Designated Life (the Annuitant), the custodian must have elected to continue the Annuity, with the second Designated Life (the Contingent Annuitant) named as Annuitant.

Strategic Partners Annuity One 3, Strategic Partners Plus 3, and Strategic Partners FlexElite:

We revise the definition of "Annuitant" in the Glossary to provide as follows:

"The person whose life determines the amount of income payments that we will make. Except as indicated below, if the annuitant dies before the annuity date, the co-annuitant (if any) becomes the annuitant if the contract's requirements for changing the annuity date are met. If, upon the death of the annuitant, there is no surviving eligible co-annuitant, and the owner is not the annuitant, then the owner becomes the annuitant.

Generally, if an annuity is owned by an entity and the entity has named a co-annuitant, the co-annuitant will become the annuitant upon the death of the annuitant, and no death benefit is payable. However, the contract value as of the date of due proof of death of the annuitant will reflect the amount that would have been payable had a death benefit been paid. Unless we agree otherwise, the contract is eligible to have a co-annuitant designation only if the entity that owns the contract is (1) a plan described in Internal Revenue Code Section 72(s)(5)(A)(i) (or any successor Code section thereto); (2) an entity described in Code Section 72(u)(1) (or any successor Code section thereto); or (3) a custodial account established pursuant to the provisions in Code Section 408(a) (or any successor Code section thereto) ("Custodial Account").

For Strategic Partners Annuity One 3 and Strategic Partners Plus 3 only, we revise the first paragraph under "Spousal Continuance Benefit" to read as follows:

"This benefit is available if, on the date we receive proof of the owner's death (or annuitant's death, for custodial contracts) in good order (1) there is only one owner of the contract and there is only one beneficiary who is the owner's spouse, or (2) there are an owner and joint owner of the contract, and the joint owner is the owner's spouse and the owner's beneficiary under the contract or (3) the contract is held by a custodial account established to hold retirement assets for the benefit of the natural person annuitant pursuant to the provisions of Section 408(a) of the Internal Revenue Code (or any successor Code section thereto)("Custodial Account"), and the custodian of the account has elected to continue the contract, and designate the surviving spouse as annuitant. Continuing the contract in the latter scenario will result in the contract no longer qualifying for tax deferral under the Internal Revenue Code. However, such tax deferral should result from the ownership of the contract by the Custodial Account. Spousal continuance also is available where the contract is owned by certain other types of entity-owners. Please consult your tax or legal adviser.

In no event, however, can the annuitant be older than the maximum age for annuitization on the date of the owner's death, nor can the surviving spouse be older than 95 on the date of the owner's death (or the annuitant's death, in the case of a custodially-owned contract referenced above). Assuming the above conditions are present, the surviving spouse (or custodian, for the custodially-owned contracts referenced above) can elect the Spousal Continuance Benefit, but must do so no later than 60 days after furnishing proof of death in good order."

For Strategic Partners FlexElite only, we revise the first paragraph under "Spousal Continuance Benefit" to read as follows:

"This benefit is available if, on the date we receive proof of the owner's death (or annuitant's death, for custodial contracts) in good order (1) there is only one owner of the contract and there is only one beneficiary who is the owner's spouse, or (2) for contracts sold on or after May 1, 2003 or upon subsequent state approval, there are an owner and joint owner of the contract, and the joint owner is the owner's spouse and the owner's beneficiary under the contract or (3) for contracts sold on or after May 1, 2003 or upon subsequent state approval, (i) the contract is held by a custodial account established to hold retirement assets for the benefit of the natural person annuitant pursuant to the provisions of Section 408(a) of the Internal Revenue Code (or any successor Code section thereto)("Custodial Account") and (ii) the custodian of the account has elected to continue the contract, and designate the surviving spouse as annuitant. Continuing the contract in the latter scenario will result in the contract no longer qualifying for tax deferral under the Internal Revenue Code. However, such tax deferral should result from the ownership of the contract by the Custodial Account. Spousal continuance also is available where the contract is owned by certain other types of entity-owners. Please consult your tax or legal adviser.

For Strategic Partners Annuity One 3, Strategic Partners Plus 3, and Strategic Partners FlexElite, within the section entitled "Spousal Lifetime Five Income Benefit", under "Election of and Designations of Spousal Lifetime Five", we add the following after the second bullet, to describe how the designations should be set up upon the election of the Spousal Lifetime Five benefit by a custodial account:

- One contract owner, where the owner is a custodial account established to hold retirement assets for the benefit of the annuitant pursuant to the provisions of Section 408(a) of the Internal Revenue Code (or any successor Code section thereto) ("Custodial Account"), the beneficiary is the Custodial Account, and the spouse of the annuitant is the co-annuitant. Both the annuitant and co-annuitant must each be at least 55 years old at the time of election. When the contract is set up in this manner, in order for Spousal Lifetime Five to be continued after the death of the first designated life (the annuitant), the custodian must have elected to continue the contract, with the second designated life (the co-annuitant) named as annuitant.

Strategic Partners Select

We revise the definition of "Annuitant" in the Glossary to provide as follows:

Generally, if an annuity is owned by an entity and the entity has named a co-annuitant, the co-annuitant will become the annuitant upon the death of the annuitant, and no death benefit is payable. However, the contract value as of the date of due proof of death of the annuitant will reflect the amount that would have been payable had a death benefit been paid. Unless we agree otherwise, the contract is eligible to have a co-annuitant designation only if the entity that owns the contract is (1) a plan described in Internal Revenue Code Section 72(s)(5)(A)(i) (or any successor Code section thereto); (2) an entity described in Code Section 72(u)(1)(or any successor Code section thereto); or (3) a custodial account established pursuant to the provisions in Code Section 408(a) (or any successor Code section thereto)("Custodial Account").

We add the following to the end of the second paragraph under the section entitled "Death of Owner or Joint Owner":

"Continuance of the contract also is available if the contract is held by a custodial account established to hold retirement assets for the benefit of the natural person annuitant pursuant to the provisions of Section 408(a) of the Internal Revenue Code (or any successor Code section thereto), and the custodian of the account has elected to continue the contract and designate the surviving spouse as annuitant. Continuing the contract in that scenario will result in the contract no longer qualifying for tax deferral under the Internal Revenue Code. However, such tax deferral should result from the ownership of the contract by the custodial account. Spousal continuance also may be available where the contract is owned by certain other types of entity-owners. Please consult your tax or legal adviser."

This prospectus supplement is intended to amend the prospectus for the annuity you own, and is not intended to be a prospectus or offer for any annuity listed here that you do not own.

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

STRATEGIC PARTNERS ADVISOR

STRATEGIC PARTNERS ANNUITY ONE

STRATEGIC PARTNERS ANNUITY ONE 3

STRATEGIC PARTNERS FLEXELITE

STRATEGIC PARTNERS PLUS

STRATEGIC PARTNERS PLUS 3

STRATEGIC PARTNERS SELECT

Supplement, dated August 1, 2005

Prospectuses, dated May 2, 2005

We are issuing this supplement to reflect certain changes that have been made to the investment policies of the following portfolios that appear in Section 2 of the above named prospectuses. We set out the revised investment policies for the affected portfolios below:

PORTFOLIO

STYLE/ ADVISER/

TYPE INVESTMENT OBJECTIVES/POLICIES SUB-ADVISER

------------------ -------------------------------------------------------------------------------------- -----------------------

Asset Allocation SP Aggressive Growth Asset Allocation Portfolio: seeks to obtain the highest Prudential

/ Balanced potential total return consistent with the specified level of risk tolerance. The Investments LLC

Portfolio may invest in any other Portfolio of the Fund (other than another SP Asset

Allocation Portfolio), the AST Marsico Capital Growth Portfolio of American Skandia

Trust (AST), and the AST LSV International Value Portfolio of AST (the Underlying

Portfolios). Under normal circumstances, the Portfolio generally will focus on equity

Underlying Portfolios but will also invest in fixed-income Underlying Portfolios.

------------------ -------------------------------------------------------------------------------------- -----------------------

Asset Allocation SP Balanced Asset Allocation Portfolio: seeks to obtain the highest potential total Prudential

/ Balanced return consistent with the specified level of risk tolerance. The Portfolio may Investments LLC

invest in any other Portfolio of the Fund (other than another SP Asset Allocation

Portfolio), the AST Marsico Capital Growth Portfolio of American Skandia Trust (AST),

and the AST LSV International Value Portfolio of AST (the Underlying Portfolios). The

Portfolio will invest in equity and fixed-income Underlying Portfolios.

------------------ -------------------------------------------------------------------------------------- -----------------------

Asset Allocation SP Conservative Asset Allocation Portfolio: seeks to obtain the highest potential Prudential

/ Balanced total return consistent with the specified level of risk tolerance. The Portfolio Investments LLC

may invest in any other Portfolio of the Fund (other than another SP Asset

Allocation Portfolio), the AST Marsico Capital Growth Portfolio of American Skandia

Trust (AST), and the AST LSV International Value Portfolio of AST (the Underlying

Portfolios). Under normal circumstances, the Portfolio generally will focus on

fixed-income Underlying Portfolios but will also invest in equity Underlying

Portfolios.

------------------ -------------------------------------------------------------------------------------- -----------------------

Asset Allocation SP Growth Asset Allocation Portfolio: seeks to obtain the highest potential total Prudential

/ Balanced return consistent with the specified level of risk tolerance. The Portfolio may Investments LLC

invest in any other Portfolio of the Fund (other than another SP Asset Allocation

Portfolio), the AST Marsico Capital Growth Portfolio of American Skandia Trust (AST),

and the AST LSV International Value Portfolio of AST (the Underlying Portfolios).

Under normal circumstances, the Portfolio generally will focus on equity Underlying

Portfolios but will also invest in fixed-income Underlying Portfolios.

------------------ -------------------------------------------------------------------------------------- -----------------------

This supplement should be read and retained with the current prospectus for your annuity contract. If you would like another copy of a current prospectus or a statement of additional information, please contact us at (888) PRU-2888. This supplement is intended to update information in the May 2, 2005 prospectus for the variable annuity you own, and is not intended to be a prospectus or offer for any other variable annuity referenced here that you do not own.

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

STRATEGIC PARTNERS ADVISOR

STRATEGIC PARTNERS ANNUITY ONE

STRATEGIC PARTNERS ANNUITY ONE 3

STRATEGIC PARTNERS FLEXELITE

STRATEGIC PARTNERS PLUS

STRATEGIC PARTNERS PLUS 3

STRATEGIC PARTNERS SELECT

Supplement, dated September 10, 2004

Prospectuses, dated May 1, 2004

We are issuing this supplement to report a change in subadviser to the SP Deutsche International Equity Portfolio (the "Portfolio") of The Prudential Series Fund, Inc. To date, Deutsche Asset Management Investment Services Limited ("Deutsche") has served as subadviser to the Portfolio. The Portfolio's investment objective is to seek long-term capital appreciation. The Portfolio pursues that objective by normally investing at least 80% of its investable assets (net assets plus borrowings made for investment purposes) in the stocks and other equity securities of companies in developed countries outside the United States that are represented in the MSCI EAFE Index.

Effective on or about November 19, 2004, LSV Asset Management will become subadviser to the Portfolio, replacing Deutsche. You may find further information about LSV Asset Management in the prospectus supplement for the Portfolio. This change will not result in any change to the advisory fee that the Portfolio pays to Prudential Investments LLC. Nor will there be any change to the Portfolio's fundamental investment objective or the investment policies set out above. However, the following changes will result: o The Portfolio will be called the "SP LSV International Value Portfolio"; and o The Portfolio's investment strategy will shift from seeking growth at a reasonable price to a "deep value" strategy, utilizing active quantitative methods to select value stocks within the universe of international stocks.

Deutsche, the SP Deutsche International Equity Portfolio, and that Portfolio's investment objectives/policies collectively are referred to in several places within each of the above-referenced prospectuses. This supplement is intended to amend each of such references, as appropriate.

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA

STRATEGIC PARTNERSSM ADVISOR

STRATEGIC PARTNERSSM ANNUITY ONE

STRATEGIC PARTNERSSM ANNUITY ONE 3

STRATEGIC PARTNERSSM FLEXELITE

STRATEGIC PARTNERSSM PLUS

STRATEGIC PARTNERSSM PLUS 3

STRATEGIC PARTNERSSM SELECT

PRUDENTIAL QUALIFIED VARIABLE INVESTMENT PLAN

PRUDENTIAL VARIABLE INVESTMENT PLAN

Supplement, Dated August 20, 2004 to Prospectuses Dated May 1, 2004

Changes to certain systems under which we administer your annuity will take effect on or about October 18, 2004. These changes are the result of further efforts to integrate American Skandia Life Assurance Corporation's operations into the operations of other subsidiary companies of Prudential Financial, Inc. The following changes relate primarily to those systems-related changes, but also include changes that reflect other product and/or disclosure modifications.

This supplement is intended to update certain information in the May 1, 2004 prospectus for the variable annuity you own, and is not intended to be a prospectus or offer for any other variable annuity listed here that you do not own.

CHANGES APPLICABLE TO ALL ANNUITIES:

COMPANY TAXES: In Section 6 of the prospectus, under the heading entitled "Company Taxes," we replace the existing disclosure with the following:

"In calculating our corporate income tax liability, we derive certain corporate income tax benefits associated with the investment of company assets, including separate account assets, which are treated as company assets under applicable income tax law. These benefits reduce our overall corporate income tax liability. Under current law, such benefits may include foreign tax credits and corporate dividends received deductions. We do not pass these tax benefits through to owners of the separate account annuity contracts because (i) the contract owners are not the owners of the assets generating these benefits under applicable income tax law and (ii) we do not currently pass through company income taxes on the taxable corporate earnings created by this annuity. We reserve the right to change these tax practices."

ASSIGNMENT: In Section 9 of the prospectus, under the heading entitled "Assignment," we add the following sentence to the end of the first paragraph:

"If you assign the contract, that assignment will result in the termination of any automated withdrawal program that had been in effect. If the new owner wants to re-institute an automated withdrawal program, then he/she needs to submit the forms that we require, in good order."

CHANGES APPLICABLE TO ALL ANNUITIES EXCEPT FOR PRUDENTIAL QUALIFIED VARIABLE INVESTMENT PLAN AND PRUDENTIAL VARIABLE INVESTMENT PLAN:

TRANSFERS AMONG OPTIONS: In Section 2 of the prospectus, under the heading entitled "Transfers Among Options," the following sentence is added to the end of the last paragraph:

"For purposes of the 12 free transfers per year that we allow, we will treat multiple transfers that are submitted on the same business day as a single transfer."

DOLLAR COST AVERAGING: In Section 2 of the prospectus, under the heading entitled "Dollar Cost Averaging," the references to a $100 minimum transfer amount and a $100 minimum DCA account balance in the first and third sentences of the second paragraph are deleted.

SCHEDULED TRANSACTIONS: In Section 2 of the prospectus, the following is added as a new sub-section immediately following the section entitled "Auto-Rebalancing":

"Scheduled Transactions

"Scheduled transactions" include transfers under dollar cost averaging, an asset allocation program, auto-rebalancing, systematic withdrawals, minimum distributions or annuity payments. Generally, we will process a scheduled transaction on the next business day when the scheduled transaction falls on a day that is not a business day. If this practice would result in the transaction occurring in the subsequent calendar year, then we will process the transaction on the preceding business day."

CHANGE APPLICABLE TO ALL ANNUITIES EXCEPT FOR PRUCO LIFE & PRUCO LIFE OF NEW JERSEY STRATEGIC PARTNERS SELECT, PRUDENTIAL QUALIFIED VARIABLE INVESTMENT PLAN AND PRUDENTIAL VARIABLE INVESTMENT PLAN:

PURCHASE PAYMENTS: In Section 5 of the prospectus, under the heading entitled "Purchase Payments," the second sentence in the first paragraph is replaced by the following:

"The minimum initial purchase payment is $10,000. Where allowed by law, you must get our approval for any initial and additional purchase payment of $1,000,000 or more."

CHANGES APPLICABLE TO PRUCO LIFE STRATEGIC PARTNERS FLEXELITE ONLY:

GUARANTEED MINIMUM INCOME BENEFIT: In Section 3 of the prospectus, under the sub-section entitled "Effect of Withdrawals":

(i) The second sentence of the first paragraph is deleted in its entirety.

(ii) The fifth sentence of the first paragraph is replaced by the following:

"The resulting percentage is multiplied by the GMIB protected value after subtracting the amount of the withdrawal that does not exceed 5%."

(iii) The following sentence is added to the end of the first paragraph:

"The GMIB roll-up cap is reduced by the sum of all reductions described above."

(iv) The third and fourth sub-bullets in Example 2 are replaced with the following:

"The GMIB 200% cap is reduced by the sum of all reductions above ($490,000

- $2,500 - $8,257.55, or $479,242.45)."

(v) The second bullet in Example 3 is replaced with the following:

"The GMIB 200% cap is reduced by the amount withdrawn (i.e., by $10,000, from $479,242.45 to $469,242.45)."

HYPOTHETICAL ILLUSTRATIONS: In Appendix B of the prospectus, we replace the existing disclosure with the following to reflect recent changes to the fees of the asset allocation portfolios of The Prudential Series Fund, Inc:

HYPOTHETICAL ILLUSTRATIONS

The illustrations set out in the following tables depict hypothetical values based on the following salient assumptions:

We assume that (i) the contract was issued to a male who was 60 years old on the contract date, (ii) he made a single purchase payment of $100,000 on the contract date, and (iii) he took no withdrawals during the time period illustrated.

To calculate the contract values illustrated on the following pages, we start with certain hypothetical rates of return (i.e., gross rates of return equal to 0%, 6% and 10% annually). The hypothetical gross rates of return are first reduced by the arithmetic average fees of the mutual funds underlying the variable investment options. To compute the arithmetic average of the fees of the underlying mutual funds, we added the investment management fees, other expenses, and any 12b-1 fees of each underlying mutual fund and then divided that sum by the number of mutual funds within the annuity product. In other words, we assumed hypothetically that values are allocated equally among the variable investment options. If you allocated the contract value unequally among the variable investment options, that would affect the amount of mutual fund fees that you bear indirectly, and thereby would influence the values under the annuity contract. Based on the fees of the underlying mutual funds as of December 31, 2003 (not giving effect to the expense reimbursements or expense waivers that are described in the prospectus fee table, and for certain portfolios reflecting expense adjustments), the arithmetic average fund fees were equal to 1.11% annually. If we did take expense reimbursements and waivers into account here, that would have lowered the arithmetic average, and thereby increased the illustrated values. The hypothetical gross rates of return are next reduced by the insurance and administrative charge associated with the selected death benefit option. Finally, the contract value is reduced by the annual charges for the optional benefits that are illustrated as well as by the contract maintenance charge.

The hypothetical gross rates of return of 0%, 6% and 10% annually, when reduced by the arithmetic average mutual fund fees and the insurance and administrative charge, correspond to net annual rates of return of -3.04%, 2.78% and 6.66%, respectively. These net rates of return do not reflect the contract maintenance charge or the charges for optional benefits. If those charges were reflected in the above-referenced net returns, then the net returns would be lower.

An 'N/A' in these columns indicates that the benefit cannot be exercised in that year.

A '0' in certain columns within these illustrations indicates that the benefit has no value. For example, with respect to the Income Appreciator Benefit, there are no earnings within the contract under a 0% assumed rate of return. Because IAB is a percentage of earnings, the IAB benefit value would be '0' in that scenario.

The values that you actually realize under a contract will be different from what is depicted here if any of the assumptions we make here differ from your circumstances. We will provide you with a personalized illustration upon request.

Please see your prospectus for the meaning of the terms used here and for a description of how the various illustrated features operate.

STRATEGIC PARTNERS FLEXELITE

$100,000 Single contribution and no withdrawals

Male, issue age 60

Benefits:

No Credit Election

Greater of Roll-Up and Step-Up Guaranteed Minimum Death Benefit Earnings Appreciator Benefit

Guaranteed Minimum Income Benefit Income Appreciator Benefit

10% Assumed Rate Of Return

PROJECTED VALUE DEATH BENEFIT(S) LIVING BENEFIT(S)

--------------------------------------------------------------------------------------------------------------

EAB IAB GMIB

--------------------------------------------------------------------------------------------------------------

Projected

GMIB Contract

Guarantee Annual

Annual Annuity

Payout Payout

for for

Single Single

Life Life

Annuity Annuity

Total Death Amount with 10 with 10

Annuitant Death Earnings Benefit Available GMIB year Year

--------- Contract Surrender Benefit Appreciator Value and to Protected Period Period

Year Age Value Value Value Benefit EAB IAB Value Annuitize Value Certain Certain

--------------------------------------------------------------------------------------------------------------

1 61 105,560 99,260 105,560 2,224 107,784 N/A N/A 105,000 N/A N/A

2 62 111,432 105,132 111,432 4,573 116,005 N/A N/A 110,250 N/A N/A

3 63 117,633 117,633 117,633 7,053 124,687 N/A N/A 115,763 N/A N/A

4 64 124,183 124,183 124,183 9,673 133,857 N/A N/A 121,551 N/A N/A

5 65 131,101 131,101 131,101 12,441 143,542 N/A N/A 127,628 N/A N/A

6 66 138,408 138,408 138,408 15,363 153,772 N/A N/A 134,010 N/A N/A

7 67 146,126 146,126 146,126 18,451 164,577 6,919 153,045 140,710 7,683 9,351

8 68 154,279 154,279 154,279 21,711 175,990 8,142 162,421 147,746 8,331 10,169

9 69 162,890 162,890 162,890 25,156 188,046 9,434 172,324 155,133 9,036 11,062

10 70 171,986 171,986 171,986 28,795 200,781 14,397 186,384 162,889 10,550 12,271

15 75 225,786 225,786 225,786 50,314 276,100 31,446 257,232 200,000 15,775 19,298

20 80 297,541 297,541 297,541 79,016 376,557 49,385 346,926 200,000 18,991 28,881

25 85 393,894 393,894 393,894 117,558 511,451 73,473 467,367 200,000 23,743 43,783

30 90 523,277 523,277 523,277 120,000 643,277 105,819 629,097 200,000 29,022 63,544

35 95 697,014 697,014 697,014 120,000 817,014 149,254 846,268 200,000 35,949 91,209

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6% Assumed Rate Of Return

PROJECTED VALUE DEATH BENEFIT(S) LIVING BENEFIT(S)

--------------------------------------------------------------------------------------------------------------

EAB IAB GMIB

--------------------------------------------------------------------------------------------------------------

Projected

GMIB Contract

Guarantee Annual

Annual Annuity

Payout Payout

for for

Single Single

Life Life

Annuity Annuity

Total Death Amount with 10 with 10

Annuitant Death Earnings Benefit Available GMIB year Year

--------- Contract Surrender Benefit Appreciator Value and to Protected Period Period

Year Age Value Value Value Benefit EAB IAB Value Annuitize Value Certain Certain

--------------------------------------------------------------------------------------------------------------

1 61 101,703 95,403 105,000 681 105,681 N/A N/A 105,000 N/A N/A

2 62 103,418 97,118 110,250 1,367 111,617 N/A N/A 110,250 N/A N/A

3 63 105,144 105,144 115,763 2,057 117,820 N/A N/A 115,763 N/A N/A

4 64 106,879 106,879 121,551 2,752 124,302 N/A N/A 121,551 N/A N/A

5 65 108,624 108,624 127,628 3,450 131,078 N/A N/A 127,628 N/A N/A

6 66 110,376 110,376 134,010 4,151 138,160 N/A N/A 134,010 N/A N/A

7 67 112,135 112,135 140,710 4,854 145,564 1,820 113,955 140,710 7,417 6,963

8 68 113,898 113,898 147,746 5,559 153,305 2,085 115,982 147,746 8,007 7,262

9 69 115,664 115,664 155,133 6,265 161,398 2,350 118,013 155,133 8,647 7,575

10 70 117,431 117,431 162,889 6,972 169,862 3,486 120,917 162,889 9,901 7,961

15 75 126,235 126,235 207,893 10,494 218,387 6,559 132,794 200,000 14,079 9,962

20 80 135,624 135,624 265,330 14,250 279,580 8,906 144,530 200,000 15,908 12,032

25 85 146,101 146,101 265,330 18,440 283,770 11,525 157,626 200,000 18,365 14,766

30 90 157,790 157,790 265,330 23,116 288,446 14,447 172,237 200,000 20,351 17,397

35 95 170,832 170,832 265,330 28,333 293,663 17,708 188,540 200,000 22,409 20,320

--------------------------------------------------------------------------------------------------------------

0% Assumed Rate Of Return

PROJECTED VALUE DEATH BENEFIT(S) LIVING BENEFIT(S)

--------------------------------------------------------------------------------------------------------------

EAB IAB GMIB

--------------------------------------------------------------------------------------------------------------

Projected

GMIB Contract

Guarantee Annual

Annual Annuity

Payout Payout

for for

Single Single

Life Life

Annuity Annuity

Total Death Amount with 10 with 10

Annuitant Death Earnings Benefit Available GMIB year Year

--------- Contract Surrender Benefit Appreciator Value and to Protected Period Period

Year Age Value Value Value Benefit EAB IAB Value Annuitize Value Certain Certain

--------------------------------------------------------------------------------------------------------------

1 61 95,867 89,817 105,000 0 105,000 N/A N/A 105,000 N/A N/A

2 62 91,856 86,085 110,250 0 110,250 N/A N/A 110,250 N/A N/A

3 63 87,961 87,961 115,763 0 115,763 N/A N/A 115,763 N/A N/A

4 64 84,177 84,177 121,551 0 121,551 N/A N/A 121,551 N/A N/A

5 65 80,499 80,499 127,628 0 127,628 N/A N/A 127,628 N/A N/A

6 66 76,920 76,920 134,010 0 134,010 N/A N/A 134,010 N/A N/A

7 67 73,437 73,437 140,710 0 140,710 0 73,437 140,710 7,323 4,487

8 68 70,044 70,044 147,746 0 147,746 0 70,044 147,746 7,896 4,386

9 69 66,736 66,736 155,133 0 155,133 0 66,736 155,133 8,518 4,284

10 70 63,508 63,508 162,889 0 162,889 0 63,508 162,889 9,694 4,181

15 75 48,428 48,428 207,893 0 207,893 0 48,428 200,000 13,632 3,633

20 80 35,490 35,490 265,330 0 265,330 0 35,490 200,000 15,230 2,955

25 85 24,702 24,702 265,330 0 265,330 0 24,702 200,000 17,364 2,314

30 90 15,708 15,708 265,330 0 265,330 0 15,708 200,000 18,980 1,587

35 95 8,209 8,209 265,330 0 265,330 0 8,209 200,000 20,586 885

--------------------------------------------------------------------------------------------------------------

The hypothetical investment results are illustrative only and should not be deemed a representation of past or future investment results. Actual investment results may be more or less than those shown and will depend on a number of factors, including investment allocations made by the owner. The contract values and guaranteed benefits for a contract would be different from the ones shown if the actual gross rate of investment return averaged 0%, 6% or 10% over a period of years, but also fluctuated above or below the average for individual contract years. We can make no representation that these hypothetical investment results can be achieved for any one year or continued over any period of time. In fact, for any given period of time, the investment results could be negative.

Explanation of Headings

Contract Value - The projected total value of the annuity at the end of the period indicated, after all fees other than withdrawal charges have been deducted.

Surrender Value - The projected cash value of the annuity at the end of the period indicated.

Death Benefit Value - Greater of the contract value or purchase payments (adjusted for withdrawals) compounded at 5% annually up to the later of age 80 or 5 years from issue (for age 80-85 at issue, 3% annual roll-up for 5 years) or the highest contract value (the "step-up") on any contract anniversary up to the later of age 80 or the fifth contract anniversary adjusted for withdrawals (age 80-84 at issue will have only one step-up on the third contract anniversary) is payable to the beneficiary(s) on death of owner or joint owner. See the prospectus for more complete information.

Earnings Appreciator Benefit (EAB) - A supplemental death benefit based on 40% of earnings if issue age is 0-70, 25% for age 71-75; 15% for age 76-79, subject to a cap equal to 300% of purchase payments multiplied by the applicable benefit percentage. See prospectus for more complete information.

IAB Value - Percentage of earnings in the contract upon IAB activation based on the length of time the contract is in force: 7-9 years, 15%; 10-14 years, 20%; 15+ years, 25%. See prospectus for more complete information.

Amount Available to Annuitize - The contract value plus the IAB value. See prospectus for more complete information.

GMIB Protected Value - Purchase payments (adjusted for withdrawals) compounded at 5% annually up to the later of age 80 or 7 years from issue or last reset, subject to a 200% cap. See prospectus for more complete information.

GMIB Guaranteed Annual Payout for Single Life Annuity with 10-year Period Certain - The payout determined by applying the GMIB protected value (and IAB value if IAB is elected) to the GMIB guaranteed annuity purchase rates contained in the contract. The payout represents the minimum payout to be received when annuitizing the contract based on the illustrated assumptions. See prospectus for more complete information.

Projected Contract Annual Annuity Payout for Single Life Annuity with 10-year Period Certain - The hypothetical annuity payout based on the projected contract value (and IAB value if IAB is elected) calculated using the minimum payout rates guaranteed under the contract ("Guaranteed Minimum Payout Rates"). See prospectus for more complete information.

If the GMIB benefit is elected, the greater of the following would be paid at annuitization -

(1) The GMIB Guaranteed Payout, or

(2) The annuity payout available under the contract that is calculated based on the adjusted contract value at annuitization and the better of the Guaranteed Minimum Annuity Payout Rates or the Current Annuity Payout Rates in effect at the time of annuitization. To show how the GMIB rider works relative to the annuity payout available under the contract we included the Projected Contract Annuity Payout column which shows hypothetical annuity payouts based on the projected contract values and the Guaranteed Minimum Payout Rates. We did not illustrate any hypothetical annuity payouts based on Current Annuity Payout Rates because these rates are subject to change at any time; however, historically the annuity payout provided under such Current Annuity Payout Rates have been significantly higher than the annuity payout that would be provided under Guaranteed Minimum Annuity Payout Rates.

CHANGES APPLICABLE TO PRUCO LIFE STRATEGIC PARTNERS ANNUITY ONE 3 AND STRATEGIC PARTNERS PLUS 3 ONLY:

GUARANTEED MINIMUM INCOME BENEFIT: In Section 3 of the prospectus, under the sub-section entitled "Effect of Withdrawals":

(i) The second sentence of the first paragraph is deleted in its entirety.

(ii) The fifth sentence of the first paragraph is replaced by the following:

"The resulting percentage is multiplied by the GMIB protected value after subtracting the amount of the withdrawal that does not exceed 5%."

(iii) The following sentence is added to the end of the first paragraph:

"The GMIB roll-up cap is reduced by the sum of all reductions described above."

(vi) The third and fourth sub-bullets in Example 2 are replaced with the following:

"The GMIB 200% cap is reduced by the sum of all reductions above ($490,000

- $2,500 - $8,257.55, or $479,242.45)."

(vii) The second bullet in Example 3 is replaced with the following:

"The GMIB 200% cap is reduced by the amount withdrawn (i.e., by $10,000, from $479,242.45 to $469,242.45)."

CHANGES APPLICABLE TO PRUCO LIFE STRATEGIC PARTNERS ANNUITY ONE 3 ONLY:

HYPOTHETICAL ILLUSTRATIONS

The illustrations set out in the following tables depict hypothetical values based on the following salient assumptions:

The hypothetical gross rates of return of 0%, 6% and 10% annually, when reduced by the arithmetic average mutual fund fees and the insurance and administrative charge, correspond to net annual rates of return of -2.80%, 3.03% and 6.92%, respectively. These net rates of return do not reflect the contract maintenance charge or the charges for optional benefits. If those charges were reflected in the above-referenced net returns, then the net returns would be lower.

An 'N/A' in these columns indicates that the benefit cannot be exercised in that year.

Please see your prospectus for the meaning of the terms used here and for a description of how the various illustrated features operate.

STRATEGIC PARTNERS ANNUITY ONE 3

$100,000 Single contribution and no withdrawals

Male, issue age 60

Benefits:

Contract Without Credit

Greater of Roll-Up and Step-Up Guaranteed Minimum Death Benefit Earnings Appreciator Benefit

Guaranteed Minimum Income Benefit Income Appreciator Benefit

10% Assumed Rate Of Return

PROJECTED VALUE DEATH BENEFIT(S) LIVING BENEFIT(S)

--------------------------------------------------------------------------------------------------------------

EAB IAB GMIB

--------------------------------------------------------------------------------------------------------------

Projected

GMIB Contract

Guarantee Annual

Annual Annuity

Payout Payout

for for

Single Single

Life Life

Annuity Annuity

Total Death Amount with 10 with 10

Annuitant Death Earnings Benefit Available GMIB year Year

--------- Contract Surrender Benefit Appreciator Value and to Protected Period Period

Year Age Value Value Value Benefit EAB IAB Value Annuitize Value Certain Certain

--------------------------------------------------------------------------------------------------------------

1 61 105,821 100,421 105,821 2,328 108,149 N/A N/A 105,000 N/A N/A

2 62 111,984 107,484 111,984 4,794 116,778 N/A N/A 110,250 N/A N/A

3 63 118,511 114,911 118,511 7,404 125,916 N/A N/A 115,763 N/A N/A

4 64 125,423 122,723 125,423 10,169 135,593 N/A N/A 121,551 N/A N/A

5 65 132,744 130,944 132,744 13,097 145,841 N/A N/A 127,628 N/A N/A

6 66 140,496 139,596 140,496 16,199 156,695 N/A N/A 134,010 N/A N/A

7 67 148,707 148,707 148,707 19,483 168,190 7,306 156,013 140,710 7,703 9,532

8 68 157,404 157,404 157,404 22,962 180,365 8,611 166,014 147,746 8,356 10,394

9 69 166,615 166,615 166,615 26,646 193,261 9,992 176,607 155,133 9,067 11,337

10 70 176,372 176,372 176,372 30,549 206,921 15,274 191,646 162,889 10,603 12,618

15 75 234,573 234,573 234,573 53,829 288,402 33,643 268,216 200,000 15,925 20,122

20 80 313,200 313,200 313,200 85,280 398,480 53,300 366,500 200,000 19,289 30,511

25 85 420,085 420,085 420,085 120,000 540,085 80,021 500,106 200,000 24,311 46,850

30 90 565,382 565,382 565,382 120,000 685,382 116,345 681,727 200,000 30,021 68,860

35 95 762,896 762,896 762,896 120,000 882,896 165,724 928,620 200,000 37,644 100,085

-------------------------------------------------------------------------------------------------------------

6% Assumed Rate Of Return

PROJECTED VALUE DEATH BENEFIT(S) LIVING BENEFIT(S)

--------------------------------------------------------------------------------------------------------------

EAB IAB GMIB

--------------------------------------------------------------------------------------------------------------

Projected

GMIB Contract

Guarantee Annual

Annual Annuity

Payout Payout

for for

Single Single

Life Life

Annuity Annuity

Total Death Amount with 10 with 10

Annuitant Death Earnings Benefit Available GMIB year Year

--------- Contract Surrender Benefit Appreciator Value and to Protected Period Period

Year Age Value Value Value Benefit EAB IAB Value Annuitize Value Certain Certain

--------------------------------------------------------------------------------------------------------------

1 61 101,954 96,554 105,000 782 105,782 N/A N/A 105,000 N/A N/A

2 62 103,930 99,430 110,250 1,572 111,822 N/A N/A 110,250 N/A N/A

3 63 105,929 102,329 115,763 2,372 118,134 N/A N/A 115,763 N/A N/A

4 64 107,948 105,248 121,551 3,179 124,730 N/A N/A 121,551 N/A N/A

5 65 109,988 108,188 127,628 3,995 131,623 N/A N/A 127,628 N/A N/A

6 66 112,046 111,146 134,010 4,819 138,828 N/A N/A 134,010 N/A N/A

7 67 114,123 114,123 140,710 5,649 146,359 2,118 116,242 140,710 7,433 7,102

8 68 116,217 116,217 147,746 6,487 154,232 2,433 118,649 147,746 8,026 7,429

9 69 118,326 118,326 155,133 7,330 162,463 2,749 121,075 155,133 8,669 7,772

10 70 120,449 120,449 162,889 8,180 171,069 4,090 124,539 162,889 9,937 8,200

15 75 131,240 131,240 207,893 12,496 220,389 7,810 139,049 200,000 14,164 10,432

20 80 142,990 142,990 265,330 17,196 282,526 10,747 153,737 200,000 16,048 12,798

25 85 156,262 156,262 265,330 22,505 287,835 14,066 170,328 200,000 18,585 15,956

30 90 171,254 171,254 265,330 28,502 293,831 17,814 189,068 200,000 20,671 19,097

35 95 188,189 188,189 265,330 35,275 300,605 22,047 210,236 200,000 22,855 22,659

--------------------------------------------------------------------------------------------------------------

0% Assumed Rate Of Return

PROJECTED VALUE DEATH BENEFIT(S) LIVING BENEFIT(S)

--------------------------------------------------------------------------------------------------------------

EAB IAB GMIB

--------------------------------------------------------------------------------------------------------------

Projected

GMIB Contract

Guarantee Annual

Annual Annuity

Payout Payout

for for

Single Single

Life Life

Annuity Annuity

Total Death Amount with 10 with 10

Annuitant Death Earnings Benefit Available GMIB year Year

--------- Contract Surrender Benefit Appreciator Value and to Protected Period Period

Year Age Value Value Value Benefit EAB IAB Value Annuitize Value Certain Certain

--------------------------------------------------------------------------------------------------------------

1 61 96,154 90,954 105,000 0 105,000 N/A N/A 105,000 N/A N/A

2 62 92,410 88,263 110,250 0 110,250 N/A N/A 110,250 N/A N/A

3 63 88,765 85,592 115,763 0 115,763 N/A N/A 115,763 N/A N/A

4 64 85,213 82,938 121,551 0 121,551 N/A N/A 121,551 N/A N/A

5 65 81,749 80,302 127,628 0 127,628 N/A N/A 127,628 N/A N/A

6 66 78,370 77,680 134,010 0 134,010 N/A N/A 134,010 N/A N/A

7 67 75,070 75,070 140,710 0 140,710 0 75,070 140,710 7,323 4,587

8 68 71,812 71,812 147,746 0 147,746 0 71,812 147,746 7,896 4,496

9 69 68,626 68,626 155,133 0 155,133 0 68,626 155,133 8,518 4,405

10 70 65,508 65,508 162,889 0 162,889 0 65,508 162,889 9,694 4,313

15 75 50,820 50,820 207,893 0 207,893 0 50,820 200,000 13,632 3,813

20 80 38,054 38,054 265,330 0 265,330 0 38,054 200,000 15,230 3,168

25 85 27,279 27,279 265,330 0 265,330 0 27,279 200,000 17,364 2,555

30 90 18,184 18,184 265,330 0 265,330 0 18,184 200,000 18,980 1,837

35 95 10,507 10,507 265,330 0 265,330 0 10,507 200,000 20,586 1,132

--------------------------------------------------------------------------------------------------------------

Explanation of Headings

Contract Value - The projected total value of the annuity at the end of the period indicated, after all fees other than withdrawal charges have been deducted.

Surrender Value - The projected cash value of the annuity at the end of the period indicated.

Amount Available to Annuitize - The contract value plus the IAB value. See prospectus for more complete information.

If the GMIB benefit is elected, the greater of the following would be paid at annuitization -

(1) The GMIB Guaranteed Payout, or

CHANGES APPLICABLE TO PRUCO LIFE OF NEW JERSEY STRATEGIC PARTNERS ANNUITY ONE 3 AND STRATEGIC PARTNERS PLUS 3 ONLY:

GUARANTEED MINIMUM INCOME BENEFIT: In Section 3 of the prospectus, under the sub-section entitled "Effect of Withdrawals":

(i) the second sentence of the first paragraph is deleted in its entirety.

(ii) the fifth sentence of the first paragraph is replaced by the following:

"The resulting percentage is multiplied by the GMIB protected value after subtracting the amount of the withdrawal that does not exceed 5%."

(iii) the following sentence is added to the end of the first paragraph:

"The GMIB roll-up cap is reduced by the sum of all reductions described above."

(viii) the third and fourth sub-bullets in Example 2 are replaced with the following:

"The GMIB 200% cap is reduced by the sum of all reductions above ($490,000

- $2,500 - $8,258.85, or $479,241.15)."

(ix) the second bullet in Example 3 is replaced with the following:

"The GMIB 200% cap is reduced by the amount withdrawn (i.e., by $10,000, from $479,241.15 to $469,241.15)."

CHANGES APPLICABLE TO PRUCO LIFE OF NEW JERSEY STRATEGIC PARTNERS ANNUITY ONE 3 ONLY:

HYPOTHETICAL ILLUSTRATIONS

The illustrations set out in the following tables depict hypothetical values based on the following salient assumptions:

The hypothetical gross rates of return of 0%, 6% and 10% annually, when reduced by the arithmetic average mutual fund fees and the insurance and administrative charge, correspond to net annual rates of return of -2.70%, 3.13% and 7.03%, respectively. These net rates of return do not reflect the contract maintenance charge or the charges for optional benefits. If those charges were reflected in the above-referenced net returns, then the net returns would be lower.

An 'N/A' in these columns indicates that the benefit cannot be exercised in that year.

Please see your prospectus for the meaning of the terms used here and for a description of how the various illustrated features operate.

STRATEGIC PARTNERS ANNUITY ONE 3

$100,000 Single contribution and no withdrawals

Male, issue age 60

Benefits:

Contract Without Credit

Step-Up Guaranteed Minimum Death Benefit Guaranteed Minimum Income Benefit Income Appreciator Benefit

10% Assumed Rate Of Return

DEATH

PROJECTED VALUE BENEFIT LIVING BENEFIT(S)

--------------------------------------------------------------------------------------

IAB GMIB

--------------------------------------------------------------------------------------

Projected

GMIB Contract

Guarantee Annual

Annual Annuity

Payout Payout

for for

Single Single

Life Life

Annuity Annuity

Amount with 10 with 10

Annuitant Death Available GMIB year Year

--------- Contract Surrender Benefit to Protected Period Period

Year Age Value Value Value IAB Value Annuitize Value Certain Certain

--------------------------------------------------------------------------------------

1 61 106,246 100,846 106,246 N/A N/A 105,000 N/A N/A

2 62 112,889 108,389 112,889 N/A N/A 110,250 N/A N/A

3 63 119,954 116,354 119,954 N/A N/A 115,763 N/A N/A

4 64 127,468 124,768 127,468 N/A N/A 121,551 N/A N/A

5 65 135,461 133,661 135,461 N/A N/A 127,628 N/A N/A

6 66 143,962 143,062 143,962 N/A N/A 134,010 N/A N/A

7 67 153,005 153,005 153,005 7,951 160,956 140,710 7,736 9,834

8 68 162,625 162,625 162,625 9,394 172,019 147,746 8,398 10,770

9 69 172,860 172,860 172,860 10,929 183,789 155,133 9,118 11,798

10 70 183,748 183,748 183,748 16,750 200,497 162,889 10,690 13,201

15 75 249,597 249,597 249,597 37,399 286,997 200,000 16,181 21,531

20 80 340,422 340,422 340,422 60,105 400,527 200,000 19,807 33,344

25 85 466,379 466,379 466,379 91,595 557,973 200,000 25,316 52,271

30 90 641,057 641,057 641,057 135,264 776,322 200,000 31,817 78,415

--------------------------------------------------------------------------------------

6% Assumed Rate Of Return

DEATH

PROJECTED VALUE BENEFIT LIVING BENEFIT(S)

--------------------------------------------------------------------------------------

IAB GMIB

--------------------------------------------------------------------------------------

Projected

GMIB Contract

Guarantee Annual

Annual Annuity

Payout Payout

for for

Single Single

Life Life

Annuity Annuity

Amount with 10 with 10

Annuitant Death Available GMIB year Year

--------- Contract Surrender Benefit to Protected Period Period

Year Age Value Value Value IAB Value Annuitize Value Certain Certain

--------------------------------------------------------------------------------------

1 61 102,364 96,964 102,364 N/A N/A 105,000 N/A N/A

2 62 104,771 100,271 104,771 N/A N/A 110,250 N/A N/A

3 63 107,220 103,620 107,220 N/A N/A 115,763 N/A N/A

4 64 109,711 107,011 109,711 N/A N/A 121,551 N/A N/A

5 65 112,244 110,444 112,244 N/A N/A 127,628 N/A N/A

6 66 114,818 113,918 114,818 N/A N/A 134,010 N/A N/A

7 67 117,435 117,435 117,435 2,615 120,050 140,710 7,459 7,335

8 68 120,092 120,092 120,092 3,014 123,105 147,746 8,057 7,708

9 69 122,789 122,789 122,789 3,418 126,207 155,133 8,706 8,101

10 70 125,526 125,526 125,526 5,105 130,631 162,889 9,997 8,601

15 75 139,797 139,797 139,797 9,949 149,746 200,000 14,310 11,234

20 80 155,799 155,799 155,799 13,950 169,749 200,000 16,292 14,131

25 85 174,239 174,239 174,239 18,560 192,799 200,000 18,975 18,061

30 90 195,488 195,488 195,488 23,872 219,360 200,000 21,245 22,157

--------------------------------------------------------------------------------------

0% Assumed Rate Of Return

DEATH

PROJECTED VALUE BENEFIT LIVING BENEFIT(S)

--------------------------------------------------------------------------------------

IAB GMIB

--------------------------------------------------------------------------------------

Projected

GMIB Contract

Guarantee Annual

Annual Annuity

Payout Payout

for for

Single Single

Life Life

Annuity Annuity

Amount with 10 with 10

Annuitant Death Available GMIB year Year

--------- Contract Surrender Benefit to Protected Period Period

Year Age Value Value Value IAB Value Annuitize Value Certain Certain

--------------------------------------------------------------------------------------

1 61 96,541 91,318 100,000 N/A N/A 105,000 N/A N/A

2 62 93,158 88,973 100,000 N/A N/A 110,250 N/A N/A

3 63 89,848 86,632 100,000 N/A N/A 115,763 N/A N/A

4 64 86,607 84,291 100,000 N/A N/A 121,551 N/A N/A

5 65 83,433 81,951 100,000 N/A N/A 127,628 N/A N/A

6 66 80,320 79,610 100,000 N/A N/A 134,010 N/A N/A

7 67 77,267 77,267 100,000 0 77,267 140,710 7,323 4,721

8 68 74,239 74,239 100,000 0 74,239 147,746 7,896 4,648

9 69 71,264 71,264 100,000 0 71,264 155,133 8,518 4,575

10 70 68,339 68,339 100,000 0 68,339 162,889 9,694 4,499

15 75 54,364 54,364 100,000 0 54,364 200,000 13,632 4,079

20 80 41,957 41,957 100,000 0 41,957 200,000 15,230 3,493

25 85 31,274 31,274 100,000 0 31,274 200,000 17,364 2,930

30 90 22,075 22,075 100,000 0 22,075 200,000 18,980 2,230

--------------------------------------------------------------------------------------

Explanation of Headings

Contract Value - The projected total value of the annuity at the end of the period indicated, after all fees other than withdrawal charges have been deducted.

Surrender Value - The projected cash value of the annuity at the end of the period indicated.

Death Benefit Value - Value of base death benefit or GMDB, as indicated.

Amount Available to Annuitize - The contract value plus the IAB value. See prospectus for more complete information.

contract. The payout represents the minimum payout to be received when annuitizing the contract based on the illustrated assumptions. See prospectus for more complete information.

If the GMIB benefit is elected, the greater of the following would be paid at annuitization -

(1) The GMIB Guaranteed Payout, or

CHANGE APPLICABLE TO PRUCO LIFE STRATEGIC PARTNERS SELECT ONLY:

WAIVER OF WITHDRAWAL CHARGE FOR CRITICAL CARE: In Section 6 of the prospectus, under the heading entitled "Waiver of Withdrawal Charge For Critical Care" in the first sentence, the reference to "owner or a joint owner" is amended to refer instead to "annuitant, or if deceased, co-annuitant, respectively."

CHANGE APPLICABLE TO PRUCO LIFE & PRUCO LIFE OF NEW JERSEY STRATEGIC PARTNERS SELECT AND PRUDENTIAL VARIABLE INVESTMENT PLAN ONLY:

PURCHASE PAYMENTS: In Section 5 of the prospectus, under the section entitled "Purchase Payments," the third sentence in the first paragraph is replaced by the following:

"Where allowed by law, you must get our approval for any initial and additional purchase payment of $1,000,000 or more."

CHANGE APPLICABLE TO PRUDENTIAL QUALIFIED VARIABLE INVESTMENT PLAN AND PRUDENTIAL VARIABLE INVESTMENT PLAN ONLY:

SCHEDULED TRANSACTIONS: In Section 2 of the prospectus, under the section entitled "Dollar Cost Averaging," the following is added to the last sentence of the fourth paragraph:

"If processing the transfer on the next business day would result in the transaction occurring in the subsequent calendar year, then we will process the transaction on the preceding business day. "

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA

STRATEGIC PARTNERSSM ADVISOR

STRATEGIC PARTNERSSM ANNUITY ONE

STRATEGIC PARTNERSSM ANNUITY ONE 3

STRATEGIC PARTNERSSM FLEXELITE

STRATEGIC PARTNERSSM PLUS

STRATEGIC PARTNERSSM PLUS 3

STRATEGIC PARTNERSSM SELECT

PRUDENTIAL QUALIFIED VARIABLE INVESTMENT PLAN

PRUDENTIAL VARIABLE INVESTMENT PLAN

Supplement, Dated August 13, 2004 to Prospectuses Dated May 1, 2004

Changes to certain systems under which we administer your annuity will take effect on or about September 7, 2004. These changes are the result of further efforts to integrate American Skandia Life Assurance Corporation's operations into the operations of other subsidiary companies of Prudential Financial, Inc. The following changes relate primarily to those systems-related changes, but also include changes that reflect other product and/or disclosure modifications.