No Lapse Premium Age 40 Analysis

Each Index Growth Cap is generally stated as a percentage, which is the maximum rate of Index Interest a S&P 500 ® Indexed Account Segment will earn, regardless of changes to the designated index. The Index Growth Cap is declared for each S&P 500 ® Indexed Account Segment in advance of each segment start date. Once an index segment is created its Index Growth Cap will not change. Prior to the creation of an index segment, the Index Growth Cap is subject to change at our discretion, both up and down, but is guaranteed to never be less than 3.00% for the S&P 500 ® Indexed Account. Changes to the Index Growth Cap could result in different values than shown here. Changes are not tied to the performance of the underlying index, and may be based on interest rates, market volatility, and other factors. Please refer to www.prudential.com/universallife for the current Index Growth Caps. Index Growth Floor The Index Growth Floor is generally stated as a percentage, which is the minimum rate of Index Interest the policy will earn, regardless of the performance of the designated index. The Index Growth Floor is declared for each segment in advance of each segment start date, and is guaranteed to never be less than 0.00% for the S&P 500 ® Indexed Account and 0.00% for the Goldman Sachs Voyager Indexed Account. Once an index segment is created its Index Growth Floor will not change. Changes to the Index Growth Floor could result in different values than shown here. Please refer to www.prudential.com/universallife for the current Index Growth Floors. Index Interest Index Interest, if any, will be credited to an Indexed Account’s maturing segment on the segment’s maturity date, provided the policy is in force on that date. Index Interest is the amount in excess of the guaranteed Index Growth Floor that is calculated on each segment maturity date using the Average Daily Segment Value, the index value on the segment maturity date, the index value on the segment start date, as well as any applicable Participation Rate, Index Growth Cap and Index Growth Floor. The Index Interest will never be less than zero. At the death of the insured, any segments that have not matured will have their value withdrawn and so no Index Interest will be credited. • Goldman Sachs Voyager Indexed Account Each Goldman Sachs Voyager Indexed Account is made up of segments that may earn both Index Interest and a basic interest component known as the Daily Interest Advantage. The Index Interest Floor and Participation Rate are set independently from any other Index option. Index Interest is based on the performance of an external financial index. Any Daily Interest Advantage earned is separate from Index Interest, and the Daily Interest Advantage rate used may vary during a segment’s life. The Goldman Sachs Voyager Indexed Account is tied to the Goldman Sachs Voyager Index, which excludes dividends. If this index becomes unavailable or if the index calculation is substantially changed, we will notify you of the alternate external financial index. • S&P 500 ® Indexed Account Each S&P 500 ® Indexed Account is made up of segments that may earn Index Interest. Index Interest is based on the performance of an external financial index. The S&P 500 ® Indexed Account is tied to the S&P 500 ® , which excludes dividends. If this index becomes unavailable or if the index calculation is substantially changed, we will notify you of the alternate external financial index. Indexed Account Segments Whenever a transfer is made from the Fixed Account to the S&P 500 ® Indexed Account or the Goldman Sachs Voyager Indexed Account, a new Indexed Account Segment is created. The effective date of the transfer is the segment’s start date. The segment has a specified duration of one year, and once the duration has elapsed, the segment matures on its segment maturity date. Indexed Accounts There are two types of Indexed Accounts that are available for this product:

Glossary of Terms

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