How Your EQ Impacts Planning for Retirement Millions of baby boomers will reach retirement age this year-many with high hopes for the golden years. But there's a gap between retirement goals and retirement planning. According to a recent study by Prudential in partnership with the University of Connecticut, the reason may be the Investor's Retirement Emotion Quotientsm or EQ. The "Behavioral Risk in the Retirement Red Zone(R)" research report explores the link between emotions and financial decision-making in investors approaching or in The Retirement Red Zone, what Prudential calls the important investment window five years before and after retirement. The study identified five dominant emotions that may influence investment decisions. These include fear, regret, inertia, aggressiveness, and susceptibility. Fear and regret are by far the most dominant emotions. Investors influenced by fear may be less likely to take managed risks; and those influenced by regret may be hesitant to take action that they might regret. According to the survey, certain products like an annuity could be a strategy that may help mitigate some of those risks. For more on this eye-opening study and other Retirement Red Zone information, go to: http://www.retirementredzone.com/ Investors should consider the contract and underlying portfolios' investment objectives, risks, and charges and expenses carefully before investing. This and other important information are in the prospectuses, which can be obtained from our National Sales Desk. Have your clients read them carefully before investing. Annuities are issued by American Skandia Life Assurance Corporation and distributed by American Skandia Marketing, Incorporated, both located in Shelton, CT; or issued by Pruco Life Insurance Corporation (in New York, Pruco Life Insurance Company of New Jersey) and distributed by Prudential Investment Management Services LLC (Member, SIPC), both located in Newark, NJ. All are Prudential Financial companies, and each is solely responsible for its financial condition and contractual obligations. IFS-A137053 Ed. 8/2007 SATELLITE FEEDS: Thursday, September 6th, 2007 Monday, September 10th, 2007 1:00 PM - 1:15 PM ET 1:00 PM - 1:15 PM ET Galaxy 26 Galaxy 26 C-Band C-Band Transponder 24 Transponder 24 Downlink Freq. 4180 Horizontal Downlink Freq. 4180 Horizontal Preview and access this video on Pathfire DMG: Slug # 28936 Search within the PR Newswire or MultiVu section by story ID # 28936 or by headline For technical assistance call Pathfire Customer Care at 1-888-345-0489 or e-mail NEWS: New Study Identifies Five Emotional Pitfalls That May Influence Retirement Decisions FORMAT: News Package With Extra Soundbites and B-roll. ADDITIONAL RESOURCES: Video, contact information and more available at: http://www.prnewswire.com/broadcast/28936/press.html SOUNDBITES: * David Odenath, President, Prudential Annuities * Man On The Street soundbites B-ROLL INCLUDES: * Baby Boomer Lifestyle Footage, Financial Planners, Graphic VIDEO PROVIDED BY: Prudential Contact: FOR MORE INFORMATION, PLEASE CALL: MultiVu Media Relations, 1-800-653-5313 EXT. 3 http://www.prnewswire.com/broadcast/28936/press.htmlDATASOURCE: Prudential CONTACT: FOR TECHNICAL INFORMATION OR HARD COPY, PLEASE CALL: MultiVu Media Relations, 1-800-653-5313 EXT. 3 Web site: http://www.retirementredzone.com/

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