EXHIBIT 32.2


                                  CERTIFICATION



Pursuant to 18 U.S.C. Section 1350, I, William J. Eckert IV, Chief Financial
Officer of Pruco Life Insurance Company (the "Company"), hereby certify that the
Company's Quarterly Report on Form 10-Q for the quarter ended March 31, 2004
(the "Report") fully complies with the requirements of Section 13(a) or 15(d) of
the Securities Exchange Act of 1934 and that the information contained in the
Report fairly presents, in all material respects, the financial condition and
results of operations of the Company.


Dated:  May 13, 2004





                                      /s/ William J. Eckert, IV
                                      -----------------------------------
                                      Name: William J. Eckert, IV
                                      Title: Chief Financial Officer






The foregoing certification is being furnished solely pursuant to 18 U.S.C.
Section 1350 and is not being filed as part of the Report or as a separate
disclosure document.