No Lapse Premium Age 40 Analysis

S&P 500 ® Indexed Account

About the Interest Rates

Minimum 25-yr Average Since 1957

Maximum 25-yr Average Since 1957

S&P 500 ®

3.36%

6.43%

The maximum illustrated Index rate for the Goldman Sachs Voyager Indexed Account is based on the lower of the rate calculated for the S&P 500 ® Indexed Account, or a historical average of the Goldman Sachs Voyager Index, applying the Participation Rate, and Index Floor, and averaging the result. Please note that the Daily Interest Advantage is separate from this calculation. The historical averages shown are not intended as an indication of future performance and are not guaranteed. Actual interest crediting rates may be different from those in the illustration. Even if the designated index averages are the same as the illustrated rates, actual results may be different from those shown. Indexed Account Current and Minimum Rates The table below shows the current and minimum rates for Participation Rate, Index Growth Cap and Index Growth Floor for each Indexed Account. The Current rates are as of the date of this illustration and subject to change. Please refer to www.prudential.com/universallife for current rates.

Guaranteed Minimum

Current

S&P 500 ® Indexed Account Participation Rate

100%

100%

Index Growth Cap

7.75%

3.00%

Index Growth Floor

0.00%

0.00%

Goldman Sachs Voyager Indexed Account Participation Rate

100%

50%

Index Growth Cap

N/A

N/A

Index Growth Floor

0.00%

0.00%

Daily Interest Advantage

1.20%

0.00%

The actual credited rate for any given year will almost certainly be different from the Illustrated Interest Rates. Your actual credited rate will result in different values than shown.

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