Filed Under Rule 424(b)(3), Registration Statement No. 333-104444, 333-104444-01 and 333-104444-02

Pricing Supplement Number 44 Dated 01/03/2005

(To: Prospectus Dated April 25, 2003 and Prospectus Supplement Dated March 25, 2004)

Investors should read this pricing supplement in conjunction with the Prospectus and Prospectus Supplement.

 

CUSIP Number

Selling Price

Gross Concession

Net Proceeds

Coupon Type

Coupon Rate

Coupon Frequency

Maturity Date

1st Coupon Date

1st Coupon Amount

Survivor’s Option

Product Ranking

Moody’s Rating

S & P Rating

74432AEX4

100.000%

0.750%

$351,345.00

FIXED

3.750%

QUARTERLY

1/15/2009

4/15/2005

$10.31

YES

Senior Unsecured Notes

A3

A-

 

Redemption Information: Non-Callable.

 

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., Wachovia Securities, LLC

 

CUSIP Number

Selling Price

Gross Concession

Net Proceeds

Coupon Type

Coupon Rate

Coupon Frequency

Maturity Date

1st Coupon Date

1st Coupon Amount

Survivor’s Option

Product Ranking

Moody’s Rating

S & P Rating

74432AEY2

100.00%

1.100%

$1,188,778.00

FIXED

4.250%

SEMI-ANNUAL

1/15/2011

7/15/2005

$22.31

YES

Senior Unsecured Notes

A3

A-

 

Redemption Information: Non-Callable.

 

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., Wachovia Securities, LLC

 

CUSIP Number

Selling Price

Gross Concession

Net Proceeds

Coupon Type

Coupon Rate

Coupon Frequency

Maturity Date

1st Coupon Date

1st Coupon Amount

Survivor’s Option

Product Ranking

Moody’s Rating

S & P Rating

74432AEZ9

100.000%

1.600%

$826,560.00

FIXED

5.000%

SEMI-ANNUAL

1/15/2016

7/15/2005

$26.25

YES

Senior Unsecured Notes

A3

A-

 

Redemption Information: Non-Callable.

 

Joint Lead Managers and Lead Agents: Banc of America Securities LLC, INCAPITAL, LLC Agents: A.G. Edwards & Sons, Inc., Bear, Stearns & Co., Inc., Charles Schwab & Co. Inc., Citigroup, Edward D. Jones & Co., L.P., Fidelity Capital Markets, Merrill Lynch & Co., Morgan Stanley, Ramirez & Co., Inc., Raymond James & Associates, Inc., RBC Dain Rauscher Inc., Muriel Siebert & Co., Inc., UBS Financial Services Inc., Wachovia Securities, LLC

 

Prudential Financial, Inc. 751 Broad Street		Trade Date: Monday, January 03, 2005 @12:00 PM ET Settle Date: Thursday, January 06, 2005		Prudential Financial, Inc. $1,000,000,000.00 Prudential Financial, Inc. InterNotes®
Newark NJ 07102		Minimum Denomination/Increments: $1,000.00/$1,000.00		Prospectus Dated 25-Apr-03 and Prospectus Supplement Dated: 25-Mar-04
		Initial trades settle flat and clear SDFS: DTC Book Entry only
		DTC number: 0443 via Pershing, LLC
		If the maturity date or an interest payment date for any note is not a Business Day (as defined in the Prospectus), principal, premium, if any, and interest for that note is paid on the next Business Day, and no interest will accrue from, and after, the maturity date or interest payment date.
		The Prudential Financial, Inc. InterNotes will be represented by a single master global note in fully registered form, without coupons. The master global note will be deposited with, or on behalf of, DTC and registered in the name of a nominee of DTC, as depository, or another depository as may be named in a subsequent pricing supplement.
		InterNotes® is the trademark of INCAPITAL, LLC. All rights reserved