Mercer to Make Available Prudential`s IncomeFlex TargetSM

Guaranteed retirement income product now available for Mercer`s defined
contribution administration clients
NEWARK, N.J.--(Business Wire)--
Prudential Retirement and Mercer announced today they have entered into a
service agreement through which Mercer will make Prudential`s IncomeFlex
TargetSM (IFX Target) available to its defined contribution (DC) clients. IFX
Target is designed to provide guaranteed, lifelong income to retirement plan
participants and protect against turbulent financial markets.

Under the terms of the agreement, Mercer`s outsourcing business will be able to
provide new and existing DC clients fully integrated access to IncomeFlex
Target, which resides within target-date or life-cycle funds, or in
asset-allocation programs, adding a guaranteed lifetime income component to
these increasingly popular in-plan investment options. Guarantees are based on
the claims-paying ability of the issuing company.

"This arrangement can help American workers avoid the serious risks of market
volatility during the years just prior to retirement, while seamlessly creating
guaranteed, lifelong income through investments in popular target-date funds or
asset-allocation programs," said Christine Marcks, president, Prudential
Retirement, a business of Prudential Financial Inc. (NYSE: PRU).

"We`re extremely pleased to work with a market leader such as Mercer to increase
the number of individuals who will have access to a guaranteed, lifetime
retirement-income option within their retirement programs," Marcks said.

"Given the state of the financial markets-and the well-documented concerns about
retirement adequacy among American workers- the benefits of this product are
especially relevant," said Eric Levy, Retirement Business Leader for Mercer`s
outsourcing business.

"Being able to work directly with an established leader like Prudential to
deliver IFX Target is part of our strategic commitment - begun in 2007 - to
build out a much-needed guaranteed retirement-income platform. We anticipate
that, over time, this strategic platform will continue to expand to include
other well-known providers of guaranteed retirement income solutions. This
approach complements Mercer`s position around investment independence by
providing sponsors access to choices from a wide range of companies to help them
meet their fiduciary obligations and provide solutions with the goal of
achieving retirement security," Levy added.

Prudential`s innovative IncomeFlex Target product provides a guaranteed stream
of lifetime income for participants, control over their assets, the potential to
capture market growth, and protection from market downturns. Unlike other
retirement-income products, such as traditional annuities, IncomeFlex does not
require annuitization to receive guaranteed income.

About Mercer

Mercer is a leading global provider of consulting, outsourcing and investment
services. Mercer works with clients to solve their most complex benefit and
human capital issues, designing and helping manage health, retirement, and other
benefits. It is a leader in benefits outsourcing. Mercer`s investment services
include investment consulting and multi-manager investment management. Mercer`s
18,000 employees are based in more than 40 countries. The company is a wholly
owned subsidiary of Marsh & McLennan Companies, Inc., which lists its stock
(ticker symbol: MMC) on the New York, Chicago, and London stock exchanges. For
more information, please visit www.mercer.com.

About Prudential Retirement

Prudential Retirement delivers retirement plan solutions for public, private,
and non-profit organizations. Services include state-of-the-art record keeping,
administrative services, investment management, comprehensive employee
investment education and communications, and trustee services. With nearly 86
years of retirement experience, Prudential Retirement helps meet the needs of
nearly 3.6 million participants and annuitants. Prudential Retirement has $150.2
billion in retirement account values as of December 31, 2008.

Prudential Financial, Inc. (NYSE: PRU), a financial services leader with
approximately $558 billion of assets under management as of December 31, 2008,
has operations in the United States, Asia, Europe, and Latin America. Leveraging
its heritage of life insurance and asset management expertise, Prudential is
focused on helping individual and institutional customers grow and protect their
wealth. The company`s well-known Rock symbol is an icon of strength, stability,
expertise and innovation that has stood the test of time. Prudential's
businesses offer a variety of products and services, including life insurance,
annuities, retirement-related services, mutual funds, investment management, and
real estate services. For more information, please visit
www.news.prudential.com.

Prudential Retirement, Prudential Financial, PRU, Prudential and the Rock logo
are registered service marks of The Prudential Insurance Company of America,
Newark, NJ, and its affiliates.

The fee for the IncomeFlexbenefit is in addition to investment management
charges. To maintain Prudential IncomeFlex benefit, you must invest in an
IncomeFlex Target Fund. Like all variable investments, these funds may lose
value. Withdrawals in excess of the Lifetime Annual Withdrawal Amount will
reduce future guaranteed withdrawals proportionately.

Prudential IncomeFlex Target Funds are separate accounts available under group
variable annuity contracts issued by Prudential Retirement Insurance and Annuity
Company (PRIAC) (CA COA #08003.), Hartford, CT. PRIAC does not provide any
guarantee of the investment performance or return of contributions to those
separate accounts. PRIAC`s guarantee of certain withdrawals is supported by
PRIAC`s general account and is contingent on its claims paying ability.

Product availability and terms may vary by jurisdiction and product version.
Subject to regulatory approvals. Annuity contracts contain exclusions,
limitations, reductions of benefits and terms for keeping them in force.
Contract form #ALC-GA-2020-TGWB-0805 or state variations thereof.

Consider the investment objectives, risks, charges and expenses of a variable
product as well as the investment objectives, risks, charges and expenses of the
underlying investment options carefully before investing. For an offering
statement or information pertaining to the variable product, please contact
Prudential Retirement at 860.534.2539. Read the terms and conditions carefully
before investing.

Securities offered through Mercer Securities, a division of MMC Securities
Corp., a U.S. registered broker-dealer and member FINRA/SIPC. Insurance products
are provided through Mercer Health & Benefits LLC. MMC Securities Corp. and
Mercer Health & Benefits LLC are affiliates of and owned by Marsh & McLennan
Companies, Inc.

Distributions taken before age 59 ½may be subject to a 10% IRS penalty and
withdrawals from tax-qualifiedvariable products will be subject to ordinary
income tax.

INST-20090421-A030362

Prudential
Dawn Kelly, 973-802-7134
Cell: 201-406-7248
dawn.kelly@prudential.com
or
Mercer
Bruce Lee, 212-345-0553
bruce.lee@mercer.com

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