EXHIBIT 32.1


                                  CERTIFICATION


Pursuant to 18 U.S.C. Section 1350, I, Andrew J. Mako, Chief Executive Officer
of Pruco Life Insurance Company (the "Company"), hereby certify that the
Company's Quarterly Report on Form 10-Q for the quarter ended June 30, 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: August 13, 2004




                                      /s/ Andrew J. Mako
                                      ------------------------------
                                      Name:  Andrew J. Mako
                                      Title: Chief Executive 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.