This material is intended to provide educational information regarding the features and mechanics of the product and is intended for use with the general public. It should not be considered, and does not constitute, personalized investment advice. The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state securities regulatory authority. It’s not acting in any fiduciary capacity with respect to any contract and/or investment.

Life Insurance and Annuities are issued by __[New PALAC Name]_____ located in _ (main office), or by [RX Name]________ located in ___. (main office).

Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. [PALAC New Name]___, [RX New Name] __ and Prudential Annuities Distributors, Inc. is each solely responsible for its own financial condition and contractual obligations.

Reinsurance transactions are entered into by [name] ___, [address]__, Hamilton, Bermuda, or one of their affiliates. Reinsurance is placed, where required by applicable law, by __________, a licensed reinsurance intermediary and subsidiary of _________.

_________________is the marketing name for _____________________and its subsidiaries, including _________________, ________, and ____. Each subsidiary is responsible for its own financial and contractual obligations.

These subsidiaries are not authorized to do business in New York.