Special Executive Financial Security

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 2.50% 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 2.50%. 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 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.

Glossary of Terms

Indexed Accounts There are two types of Indexed Accounts that are available for this product:

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