EXHIBIT 32.2


                                  CERTIFICATION



Pursuant to 18 U.S.C. Section 1350, I, John Chieffo, 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 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/ John Chieffo
                                          ------------------------------
                                          Name:  John Chieffo
                                          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.