Pricing Supplement Number 66 Dated 04/18/2005
Filed under Rule 424(b)(3), Registration Statement(s) No. 333-104444, 333-104444-01, 333-104444-02, 333-123240, 333-123240-01 and 333-123240-02
Pricing Supplement Number 66 Dated 04/18/2005
(To: Prospectus dated March 21, 2005 and the 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


74432AHB9

   100.000%    0.625%    $1,062,318.75    FIXED    4.100%    MONTHLY    1/15/2008    5/15/2005    $2.73    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


74432AHC7

   100.000%    2.500%    $6,117,150.00    FIXED    5.700%    SEMI-ANNUAL    4/15/2030    10/15/2005    $27.55    YES    Senior Unsecured Notes    A3    A-
Redemption Information: Callable at 100.000% on 04/15/2010 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 04/15/2010 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

Newark NJ 07102

  

Trade Date: Monday, April 18, 2005 @12:00 PM ET

Settle Date: Thursday, April 21, 2005

 

Minimum Denomination/Increments:

$1,000.00/$1,000.00

 

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.

 

All references to the Prospectus in the Prospectus Supplement shall be to the Prospectus dated March 21, 2005.

 

InterNotes® is a registered trademark of Incapital Holdings LLC. All rights reserved

  

Prudential Financial, Inc.

$1,000,000,000.00 Prudential Financial, Inc.

InterNotes®

Prospectus dated March 21, 2005 and the

    Prospectus Supplement dated March 25, 2004