Pricing Supplement Number 93 Dated 09/27/2005

Prudential Financial InterNotes®, Due One Year or More from Date of Issue

Filed under Rule 424(b)(3), Registration Statement(s) No. 333-123240, 333-123240-01 and 333-123240-02

Pricing Supplement Number 93 Dated 09/27/2005

(to Prospectus dated March 21, 2005 and Prospectus Supplement dated April 29, 2005)

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

 

CUSIP

Number

  

Aggregate

Principal Amount

   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

74432AKP4

   $10,318,000.00   100.000%   1.500%   $10,163,230.00   STEP   4.250% to
6.000%		   MONTHLY   9/15/2015   10/15/2005   $1.77   YES   Senior
Unsecured
Notes		   A3   A-

 

Redemption Information: Callable at 100.000% on 09/15/2007 and every interest payment date thereafter.

 

Note: 4.25% until 9/15/07; thereafter 6.00%

 

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 09/15/2007 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.

   

Trade Date: Tuesday, September 27, 2005

@12:00 PM ET

    Prudential Financial, Inc.
    

Settlement Date: Friday,

September 30, 2005

   

$2,000,000,000.00 Prudential Financial Retail Medium-Term

 

Notes, including Prudential Financial InterNotes®

    

 

Minimum Denomination/Increments:

$1,000.00/$1,000.00

   

Prospectus dated March 21, 2005 and the Prospectus Supplement dated April 29, 2005

 

    

Initial trades settle flat and clear SDFS:

DTC Book Entry only

     
     DTC number: 0116 via Refco Securities, 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 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 a registered trademark of Incapital Holdings LLC. All rights reserved