No Lapse Premium Age 40 Analysis

This amount equals the total net premiums accumulated at interest, less charges, reductions due to accelerated death benefits and withdrawals, plus any interest credited on the loan. The value is illustrated as of the end of each policy year. The Contract Fund may vary and includes amounts from the Indexed Accounts and the Fixed Account, together with any outstanding loan principal plus loan interest credited. The Contract Fund does not include any surrender charges. All amounts deducted from the Contract Fund are taken first from the Fixed Account, then from the Indexed Account Segments if there are insufficient funds in the Fixed Account to satisfy the deduction. Amounts deducted from the Indexed Accounts Segment are deducted proportionally from the most recently opened segment first then from the next most recently opened segment, and continues in that order until the deduction has been met. This policy features an alternate contract fund, which is accumulated by adding the net premiums, deducting the same withdrawals, reductions due to accelerated death benefits and charges as the Contract Fund (except for the administrative charge that is expressed as a percentage of the Contract Fund), and crediting an annual rate of 1.00% each year, to both the non-loaned and loaned amounts. If this cumulative amount is greater than the calculated Contract Fund, this alternate amount is illustrated as the Contract Fund. If the alternate contract fund is greater than the Contract Fund, it is used in its place for most policy provisions, including the calculation of surrender value, available loan amount, amount at risk, and death benefits. Please note that there is no guarantee that the alternate contract fund will be a positive value as charges and other reductions can deplete it. See your policy for more information on the impact of the alternate contract fund on these and other values. Current, Midpoint and Guaranteed Maximum Charges The Current Charges are the amounts that we now charge and these charges are not guaranteed. We can increase the current charges without giving advance notice, but we cannot charge more than the Guaranteed Maximum Charges. Midpoint charges are an assumed rate of charges that represents an average of the current and guaranteed. Death Benefit The Death Benefit is the amount payable under the policy upon the death of the insured. The amount shown in the illustration is as of the end of the policy year. Distributions The Withdrawal plus Loan minus the Loan Interest Paid, as defined in this Glossary of Terms, as shown on the Your Policy in Action report. Fixed Account All premium payments, loan repayments, loan interest credits and amounts from matured Indexed Account Segments are initially allocated to the Fixed Account. Amounts will remain in the Fixed Account or transfer to the Indexed Accounts on the next eligible transfer date based on your allocation instructions. Amounts allocated to the Fixed Account earn interest at a rate of no less than 1.00% annually. Additional interest may be credited to the Fixed Account at the sole discretion of the company. Fixed Interest Fixed Interest can be earned in the Fixed Account and is credited daily. Please refer to www.prudential.com/universallife for the current Fixed Interest Rates. Guaranteed Interest Rates The guaranteed interest rates used in this illustration are the Guaranteed S&P 500 ® Indexed Account rate of 0.00%, the Guaranteed Goldman Sachs Voyager Indexed Account rate of 0.00%, the Guaranteed Goldman Sachs Voyager Daily Interest Advantage rate of 0.00% and the Guaranteed Fixed Account Rate of 1.00%. Illustrated Interest Rates The illustrated non-guaranteed interest rates credited to the non-loaned portion of the Contract Fund. See the About Interest Rate section for the current Illustrated Interest Rates. Index Growth Cap

Glossary of Terms

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