Exhibit 32.1

                                  CERTIFICATION

Pursuant to 18 U.S.C. Section 1350, I, Bernard J. Jacob, Chief Executive Officer
of Pruco  Life  Insurance  Company  (the  "Company"),  hereby  certify  that the
Company's  Annual Report on Form 10-K for the year ended  December 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: March 30, 2005

                                                /s/ Bernard J. Jacob
                                                --------------------------------
                                                Name:  Bernard J. Jacob
                                                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.


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