Pricing Supplement Number 56 Dated 02/28/2005

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

Pricing Supplement Number 56 Dated 02/28/2005

(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.

 

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74432AGB0

    100.00%    0.625%    $1,763,906.25    FIXED    3.800%    SEMI-ANNUAL    3/15/2008    9/15/2005    $20.27    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

 

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74432AGC8

    100.00%    1.200%    $1,475,084.00    FIXED    4.700%    SEMI-ANNUAL    3/15/2012    9/15/2005    $25.07    YES    Senior Unsecured Notes    A3    A-

 

Redemption Information: Callable at 100.000% on 3/15/2006 and every interest payment date thereafter.

 

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. The Prudential Financial, Inc. InterNotes will be subject to redemption at the option of Prudential Financial, Inc., in whole on the interest payment date occurring 03/15/2006 and on every interest payment date thereafter at a redemption price equal to 100% of the principal amount of the Prudential Financial, Inc. InterNotes, plus accrued interest thereon, if any, upon at least 30 days’ prior notice to the noteholder and the trustee, as described in the prospectus.

 

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74432AGD6

    100.00%    2.000%    $2,401,980.00    FIXED    5.350%    SEMI-ANNUAL    3/15/2020    9/15/2005    $28.53    YES    Senior Unsecured Notes    A3    A-

 

Redemption Information: Callable at 100.000% on 03/15/2008 and every interest payment date thereafter.

 

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 The Prudential Financial, Inc. InterNotes will be subject to redemption at the option of Prudential Financial, Inc., in whole on the interest payment date occurring 03/15/2008 and on every interest payment date thereafter at a redemption price equal to 100% of the principal amount of the Prudential Financial, Inc. InterNotes, plus accrued interest thereon, if any upon at least 30 days’ prior notice to the noteholder and the trustee, as described in the prospectus.

 

Prudential Financial, Inc.

751 Broad Street

   

Trade Date: Monday, February 28, 2005 @12:00 PM ET

Settle Date: Thursday, March 03, 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