Prudential Life Insurance

Prudential Financial, Inc. and its subsidiaries provide insurance, investment management and other financial products and services to both retail and institutional customers throughout the United States and in over 30 other countries. Principal products and services provided include life insurance, annuities, mutual funds, pension- and retirement-related investments and administration and asset management. In addition, the Company provides securities brokerage services indirectly through a minority ownership in a joint venture. It has organized its principal operations into the Financial Services Businesses and the Closed Block Business. In April 2004, the Company acquired the retirement business of CIGNA Corporation.

Prudential's Insurance division consists of the Individual Life and Annuities and Group Insurance segments. The Individual Life and Annuities segment manufactures and distributes individual variable life, term life, universal life, non-participating whole life insurance and variable and fixed annuity products, primarily to the United States mass affluent market and mass market. The Group Insurance segment manufactures and distributes a range of group life, long-term and short-term group disability, long-term care and corporate-owned and trust-owned life insurance products in the United States to institutional clients primarily for use in connection with employee and membership benefit plans.

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