No Lapse Premium Age 40 Analysis

This illustration assumes that a uniform interest rate is credited each year. The actual policy will credit interest any Indexed Account Segment at the guaranteed Index Growth Floor rate during a segment’s duration. At the end of the segment duration, the actual policy will then be credited with any Index Interest in excess of the Index Growth Floor rate. It is important to note that for illustration purposes only, it is assumed that amounts are allocated to a new segment immediately, and therefore begin earning Index Interest immediately. Also, for illustration purposes, Segment maturity is assumed to occur the day before the actual maturity date. The combination of these two assumptions means that Index Interest in this illustration may be reflected in the end of year 1 policy values shown. In actuality, any available Index Interest for segments established during any policy year will be credited in the subsequent policy year. Additionally, no Indexed Account Segments are created during the first 10 days after you receive the policy. Until funds are allocated to the Indexed Account segment, they will be held in the Fixed Account, and receive interest based on the currently declared rate for that account. If a premium payment, loan repayment, or designated transfer amount instruction is received within two business days of a transfer date, we reserve the right to delay transferring any applicable amounts and/or changing designated transfer instructions until the following transfer date. We reserve the right to initiate a transfer restriction period whenever a loan causes a reduction in an Indexed Account segment. The transfer restriction period is a 12-month period when no transfers are allowed from the Fixed Account to the Indexed Accounts. This period begins on the date any portion of a loan causes a reduction in an Indexed Account segment (see Loan). Net premiums and loan repayments received by us during a transfer restriction period will remain in the Fixed Account until the end of the transfer restriction period. When the transfer restriction period ends, any remaining amount in the Fixed Account may remain in the account or at the next available transfer date be reallocated to the Indexed Accounts according to your allocation instructions. This policy is not a variable product. It is a non-participating policy. It does not pay dividends. Values in the Indexed Accounts are eligible for Index Interest which is determined by a formula that is based on the performance of the designated index, the Standard & Poor’s 500 ® , (S&P 500 ® ) which excludes dividends, over the designated time period (subject to the Indexed Account's Participation Rate, Index Growth Cap and Index Growth Floor, if applicable). While the values of the policy may be affected by an external index, the policy does not directly participate in any stock, bond or equity investments and the value of any external index does not reflect the payment of dividends (non-participating). Interest rates, Participation Rates, the Index Growth Floors and Caps, and policy charges are subject to change at the Company’s discretion, but will never be less favorable than those guaranteed in the policy. The death benefit is payable upon the death of the insured. S&P 500 ® Index The S&P 500 ® Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by The Prudential Insurance Company of America for itself and affiliates including Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey (collectively “Pruco Life”). Standard & Poor’s ® , S&P ® , and S&P 500 ® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones ® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pruco Life. Pruco Life’s products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or their respective affiliates and none of such parties make any representation regarding the advisability of purchasing such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 ® Index. The S&P 500 ® index values used in determining the interest crediting are exclusive of dividends. Dividends paid on the securities underlying the index are not included in the index return. Over the ten year period ending December 31, 2022 the returns on the index were lower by an average of 2.18% each year compared to the same index with dividends. Past performance of the S&P 500 ® Index, or its effect on interest credited to values in the policy should not be considered representative of their future performance.

About PruLife ® Founders Plus Indexed UL

THIS ILLUSTRATION IS NOT VALID WITHOUT ALL PAGES. ILLUSTRATION ID - 998416468079416 PLI Version 90.00 (MI) August 03, 2023 01:52 PM

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