Pricing Supplement No. 24

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

Pricing Supplement Number 23 Dated 09/07/2004

(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

74432ADB3

   100.00 %   0.63 %   $ 820,837.50    FIXED    3.25 %   SEMI-
ANNUAL
   09/15/2007    03/15/2005    $ 16.16    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

74432ADC1

   100.00 %   1.00 %   $ 1,428,570.00    FIXED    4.00 %   QUARTERLY    12/15/2009    12/15/2004    $ 9.89    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

74432ADD9

   100.00 %   1.75 %   $ 6,419,655.00    FIXED    5.00 %   SEMI-
ANNUAL
   09/15/2017    03/15/2005    $ 27.35    YES    Senior
Unsecured
Notes
   A3    A-

 

Redemption Information: Non-Callable at 100.000% on 09/15/2007 and every coupon 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

 

Prudential Financial, Inc.   Trade Date: Tuesday, September 13, 2004 @12:00 PM ET    Prudential Financial, Inc.
751 Broad Street   Settle Date: Thursday, September 16, 2004    $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