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 109 Dated 01/03/2006

(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

74432AMC1

$711,000.00

100.000%

0.750%

$705,667.50

FIXED

4.750%

SEMI-ANNUAL

1/15/2010

7/15/2006

$24.94

YES

Senior Unsecured Notes

A3

A-

 

Redemption Information: Non-Callable.

Note: **Two week offering - expected trade date 1/3/06**

 

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

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

74432AMD9

$249,000.00

100.000%

1.000%

$246,510.00

FIXED

4.850%

SEMI-ANNUAL

1/15/2011

7/15/2006

$25.46

YES

Senior Unsecured Notes

A3

A-

 

Redemption Information: Non-Callable.

Note: **Two week offering - expected trade date 1/3/06**

 

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, January 03, 2006 @12:00 PM ET Settlement Date: Friday, January 06, 2006   Minimum Denomination/Increments: $1,000.00/$1,000.00   Initial trades settle flat and clear SDFS: DTC Book Entry only DTC number: 0235 via RBC Dain Rauscher Inc.   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		Prudential Financial, Inc. $2,000,000,000.00 Prudential Financial Retail Medium-Term Notes, including Prudential Financial InterNotes® Prospectus dated March 21, 2005 and the Prospectus Supplement dated April 29, 2005