Advanced Marketing Tool-Kit Provides ``Estate Strategies Using Life Insurance in Times of Estate Tax Uncertainty''.

NEWARK, N.J. -- Prudential Financial, Inc. (NYSE: PRU) announced today a new advanced marketing tool-kit entitled "Estate Strategies Using Life Insurance in Times of Estate Tax Uncertainty". "We specifically designed this kit to assist financial professionals who serve the unique needs of the estate marketplace," said Terri Getman, vice president of Advanced Markeing for Prudential Financial.

Estate Strategies Using Life Insurance in Times of Estate Tax Uncertainty comes in the form of a CD and presents a comprehensive overview of estate strategies, with a concentration on the techniques that can help financial professionals provide their clients with the life insurance they need, while giving them the flexibility to respond to estate tax uncertainty. The tool-kit focuses on the following key areas:

--Estate Basics Overview

--Transfer Tax Strategies for Noncitizens

--Charitable Giving Strategies

--Irrevocable Life Insurance Trusts and Dynasty Trusts

--Survivorship Standby Trust Concept

--Support Trusts and B Trust Funding

--Grantor Retained Annuity Trusts (GRAT) & Sales to an Intentionally Defective Grantor Trust (IDGT)

--Family Limited Partnership as an Irrevocable Life Insurance Trust Alternative

The kit includes valuable sales scenarios; client brochures, presentations and approach material; advisor guides and more--all designed to help financial professionals maximize the opportunities presented by the estate market.

Financial professionals can receive a copy of Estate Strategies Using Life Insurance in Times of Estate Tax Uncertainty, by contacting [e-mail].

Prudential Financial companies, with approximately $532 billion in total assets under management as of December 31, 2005, serve individual and institutional customers worldwide and include The Prudential Insurance Company of America, one of the largest life insurance companies in the United States. These companies offer a variety of products and services, including life insurance, mutual funds, annuities, pension and retirement-related services and administration, asset management, banking and trust services, real estate brokerage franchises, relocation services and, through a joint venture, retail securities brokerage services. For more information, visit www.prudential.com.