Pruco Life Insurance Company
4.4
based on complex data
Annuity Educator Rating
Annuity review

FlexGuard

The FlexGuard annuity is a simple and secure way to prepare for retirement. With built-in protection from market declines, it's a stress-free solution for those looking towards the future.

FlexGuard offers personalized growth potential, allowing you to retire on your terms. It's a wise choice for a worry-free future.

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FlexGuard

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About Product

Type
Registered Index-Linked
Purpose
Accumulation
Term
6 Years
Surrender schedule
8%
8%
7%
6%
5%
4%
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$1,000,000
Max Age Qualified
85
Types Of Funds
Non-Qualified, Profit Sharing, IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, KEOGH, IRA-Roth, 457 plan, 1035 Exchange, Inherited IRA, NQ Stretch, and TSP
Launch Date
05/18/2020
FlexGuard indexed variable annuity offers you a choice of levels of downside protection and the opportunity to capitalize on market growth. It also offers the opportunity to select from various index crediting strategies and variable subaccounts that determine how your money may grow, as well as how long you want to invest. 

Flexible premium deferred index-linked and variable annuity.
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
6-Year S&P 500 Dual Directional Cap 10% Buffer Uncapped
Dual Directional
6-Year
6-Year S&P 500 Dual Directional Cap 15% Buffer
Dual Directional
6-Year
78% Cap
6-Year S&P 500 Dual Directional Cap 20% Buffer
Dual Directional
6-Year
65% Cap
1-Year S&P 500 Dual Directional Cap 15% Buffer
Dual Directional
Annual
7.5% Cap
1-Year S&P 500 Dual Directional Cap 10% Buffer
Dual Directional
Annual
10.25% Cap
6-Year Dimensional International Equity Focus Tiered Participation Rate (20% tier) with 5% Buffer
Tiered Participation Rate
6-Year
100% Participation
6-Year iShares Russell 2000 ETF Tiered Participation Rate (20% tier) with 5% Buffer
Tiered Participation Rate
6-Year
100% Participation
6-Year AB 500 Plus Tiered Participation Rate (20% tier) with 5% Buffer
Tiered Participation Rate
6-Year
100% Participation
6-Year AB 500 Plus Tiered Participation Rate (20% tier) with 10% Buffer
Tiered Participation Rate
6-Year
100% Participation
6-Year MSCI EAFE Tiered Participation Rate (20% tier) with 5% Buffer
Tiered Participation Rate
6-Year
100% Participation
6-Year S&P 500 Tiered Participation Rate (20% tier) with 5% Buffer
Tiered Participation Rate
6-Year
100% Participation
6-Year Dimensional International Equity Focus Tiered Participation Rate (20% tier) with 10% Buffer
Tiered Participation Rate
6-Year
100% Participation
6-Year S&P 500 Tiered Participation Rate (20% tier) with 10% Buffer
Tiered Participation Rate
6-Year
100% Participation
6-Year MSCI EAFE Tiered Participation Rate (20% tier) with 10% Buffer
Tiered Participation Rate
6-Year
100% Participation
1-Year S&P 500 PTP Cap 30% Buffer
Point to Point
Annual
7% Cap
6-Year Dimensional International Equity Focus PTP Cap 30% Buffer
Point to Point
6-Year
60% Cap
1-Year MSCI EAFE PTP Cap 30% Buffer
Point to Point
Annual
7.5% Cap
6-Year Dimensional International Equity Focus PTP Cap 20% Buffer
Point to Point
6-Year
290% Cap
1-Year Invesco QQQ ETF PTP Cap 30% Buffer
Point to Point
Annual
7.5% Cap
1-Year iShares Russell 2000 ETF PTP Cap 30% Buffer
Point to Point
Annual
7.5% Cap
6-Year S&P 500 PTP Cap 30% Buffer
Point to Point
6-Year
60% Cap
6-Year MSCI EAFE PTP Cap 30% Buffer
Point to Point
6-Year
65% Cap
6-Year AB 500 Plus PTP Cap 20% Buffer Uncapped
Point to Point
6-Year
3-Year AB 500 Plus PTP Cap 10% Buffer
Point to Point
Triennial
95% Cap
3-Year AB 500 Plus PTP Cap 20% Buffer
Point to Point
Triennial
55% Cap
6-Year iShares Russell 2000 ETF PTP Cap 30% Buffer
Point to Point
6-Year
60% Cap
6-Year AB 500 Plus PTP Cap 30% Buffer
Point to Point
6-Year
65% Cap
3-Year iShares Russell 2000 ETF PTP Cap 20% Buffer
Point to Point
Triennial
55% Cap
1-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Annual
13% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer
Point to Point
Annual
14% Cap
1-Year S&P 500 PTP Cap 100% Buffer
Point to Point
Annual
4% Cap
3-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Triennial
100% Cap
3-Year MSCI EAFE PTP Cap 10% Buffer
Point to Point
Triennial
95% Cap
3-Year S&P 500 PTP Cap 20% Buffer
Point to Point
Triennial
50% Cap
3-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
Triennial
45% Cap
6-Year S&P 500 PTP Cap 20% Buffer Uncapped
Point to Point
6-Year
6-Year MSCI EAFE PTP Cap 20% Buffer
Point to Point
6-Year
300% Cap
1-Year S&P 500 PTP Cap 15% Buffer
Point to Point
Annual
11.5% Cap
1-Year MSCI EAFE PTP Cap 15% Buffer
Point to Point
Annual
10.5% Cap
1-Year iShares Russell 2000 ETF PTP Cap 10% Buffer
Point to Point
Annual
13% Cap
1-Year Invesco QQQ ETF PTP Cap 10% Buffer
Point to Point
Annual
13% Cap
1-Year iShares Russell 2000 ETF PTP Cap 15% Buffer
Point to Point
Annual
12.5% Cap
1-Year Invesco QQQ ETF PTP Cap 15% Buffer
Point to Point
Annual
12.5% Cap
3-Year iShares Russell 2000 ETF PTP Cap 10% Buffer
Point to Point
Triennial
100% Cap
6-Year iShares Russell 2000 ETF PTP Cap 20% Buffer
Point to Point
6-Year
125% Cap
1-Year MSCI EAFE Step Rate Plus 5% Buffer
Performance Triggered
Annual
65% Participation
8.75% Performance triggered
1-Year S&P 500 Step Rate Plus 5% Buffer
Performance Triggered
Annual
65% Participation
8.75% Performance triggered
1-Year S&P 500 Step Rate Plus 10% Buffer
Performance Triggered
Annual
65% Participation
8.5% Performance triggered
1-Year S&P 500 PTP Enhanced Cap with Spread A 10% Buffer
Point to Point
Annual
19% Cap
1.25% Spread
1-Year S&P 500 PTP Enhanced Cap with Spread B 10% Buffer
Point to Point
Annual
24% Cap
2% Spread
1-Year S&P 500 PTP Enhanced Cap with Spread A 15% Buffer
Point to Point
Annual
13.5% Cap
1.25% Spread
1-Year S&P 500 PTP Enhanced Cap with Spread B 15% Buffer
Point to Point
Annual
16.5% Cap
2% Spread
1-Year MSCI EAFE PTP Enhanced Cap with Spread A 10% Buffer
Point to Point
Annual
32% Cap
1.25% Spread
1-Year MSCI EAFE PTP Enhanced Cap with Spread B 10% Buffer
Point to Point
Annual
37% Cap
2% Spread
1-Year MSCI EAFE PTP Enhanced Cap with Spread A 15% Buffer
Point to Point
Annual
18.5% Cap
1.25% Spread
1-Year MSCI EAFE PTP Enhanced Cap with Spread B 15% Buffer
Point to Point
Annual
23.5% Cap
2% Spread

Surrender schedule

Year 1 2 3 4 5 6
Penalty 8% 8% 7% 6% 5% 4%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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Riders

No Riders for FlexGuard annuity.

Waivers

Hospital

Unavailable in states: CA, and MA

First confined in a Medical Care Facility after the Issue Date and while the annuity is in force, remains confined for at least 90 consecutive days. Medical Care Facility means a facility certified as a hospital or long-term care facility OR a nursing home which offers the services of a Registered Nurse (RN) or Licensed Practical Nurse (LPN) 24 hours a day.

Nursing Home

Unavailable in states: CA, and MA

First confined in a Medical Care Facility after the Issue Date and while the annuity is in force, remains confined for at least 90 consecutive days. Medical Care Facility means a facility certified as a hospital or long-term care facility OR a nursing home which offers the services of a Registered Nurse (RN) or Licensed Practical Nurse (LPN) 24 hours a day.

Terminal Illness

Unavailable in states: CA, and MA

First diagnosed as having a Fatal Illness after the issue date and while the annuity is in force. Fatal illness means a condition diagnosed by a licensed physician and that is expected to result in death within 24 months after the diagnosis in 80% of the cases diagnosed with the condition.

Premium Notes

Minimum Purchase Payment
$25,000 minimum; qualified or non-qualified.
 
Additional Purchase Payments
The minimum amount allocable to any Index Strategy is $2,000, and the minimum amount allocable to any Variable Investment Subaccount is $20. Currently you may make additional Purchase Payments, provided that the payment is at least $100 ($50 minimum for electronic funds transfer (“EFT”) purchases). Any allocations to the Index Strategies must occur on an Index Anniversary.
You may make additional Purchase Payments, at any time before the earlier of (i) the Annuity Date and (ii) the oldest Owner’s 86th birthday (the Annuitant’s 86th birthday, if the Annuity is owned by an entity). No additional Purchase Payments are allowed if the Annuity is held as a Beneficiary Annuity. 
Each time you add additional premiums to your contract, a new surrender charge period begins.

Note: TSP funds have to be rolled into an IRA.

Withdrawal Provisions

Systematic Withdrawals During the Savings StageYou may not have a systematic withdrawal program if you are receiving substantially equal periodic payments under Sections 72(t) and 72(q) of the Code or Required Minimum Distributions. Free WithdrawalsClient(s) may withdraw up to 10% of all Purchase Payments still within CDSC without incurring a surrender charge. Free Withdrawals in each contract year are not cumulative. Contingent Deferred Sales Charges will not apply to Required Minimum Distributions that Prudential calculates.

Company Founded: 1971
TOP Rated Company
Pruco Life Insurance Company
Company Ratings
4.7
  • A.M. Best A+
  • Fitch AA-
  • S&P AA-
  • Moody's Aa3
  • Comdex 94
Assets: $40,806,582,583
Arizona

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