Pricing Supplement Number 82 dated 07/25/2005

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

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 82 Dated 07/25/2005

(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


74432AJM3

   $3,886,000.00    100.00%   0.400%   $3,870,456.00    FIXED    4.100%   SEMI-
ANNUAL
   7/15/2007    1/15/2006    $19.02    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


   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


74432AJN1

   $3,895,000.00    100.00%   1.300%   $3,844,365.00    FIXED    5.000%   SEMI-
ANNUAL
   7/15/2013    1/15/2006    $23.19    YES    Senior
Unsecured
Notes
   A3    A-

 

Redemption Information: Callable at 100.000% on 07/15/2006 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 07/15/2006 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.

 

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


74432AJP6

   $6,606,000.00    100.00%   2.500%   $6,440,850.00    FIXED    5.500%   SEMI-
ANNUAL
   7/15/2030    1/15/2006    $25.51    YES    Senior
Unsecured
Notes
   A3    A-

 

Redemption Information: Callable at 100.000% on 07/15/2010 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 07/15/2010 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

  

Trade Date: Monday, July 25, 2005

@12:00 PM ET

  Prudential Financial, Inc.
Newark NJ 07102   

 

Settlement Date: Thursday, July 28, 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.

 

   
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