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FlexGuard 2.0

Serving as another subsidiary of the global Prudential Financial, Inc., Pruco Life Insurance Company is a top-tier provider of insurance, retirement planning, and investment management products and services. The company was founded in 1971 to operate as a key constituent of Prudential’s life insurance and annuity business. With a mission to provide its clients with the growth and protection they require in retirement, the company has consistently maintained high credit scores throughout its years in the industry.

FlexGuard 2.0

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Investment

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About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$1,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Profit Sharing, Traditional IRA, Pension, SEP IRA, IRA-Roth, and Inherited IRA

Launch Date

12/15/2025

Product availability is subject to state and firm approval.

FlexGuard 2.0 is a registered index linked annuity designed to help protect and grow your life’s work. Unlike traditional annuities which offer little choice, FlexGuard 2.0 gives you control, with customizable protection levels and growth options that can evolve with your goals. So, you can feel confident and secure––today and tomorrow.

Available in states: AL, AK, AZ, AR, 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, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year S&P 500 Dual Directional Cap 10% Buffer	Dual Directional Annual	12% Cap
6-Year S&P 500 Dual Directional Cap 20% Buffer	Dual Directional 6-Year	65% Cap
6-Year S&P 500 Dual Directional Cap 15% Buffer	Dual Directional 6-Year	78% Cap
6-Year S&P 500 Dual Directional Cap 10% Buffer	Dual Directional 6-Year	100% Cap
1-Year S&P 500 Dual Directional Cap 15% Buffer	Dual Directional Annual	7.5% Cap
6-Year MSCI EAFE Tiered Participation Rate (10% tier) with 10% Buffer	Tiered Participation Rate 6-Year	100% Participation
6-Year Dimensional International Equity Focus 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 AB 500 Plus Tiered Participation Rate (20% tier) with 10% 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 iShares Russell 2000 ETF Tiered Participation Rate (20% tier) with 5% Buffer	Tiered Participation Rate 6-Year	100% Participation
6-Year MSCI EAFE Tiered Participation Rate (10% 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 S&P 500 Tiered Participation Rate (20% tier) with 10% Buffer	Tiered Participation Rate 6-Year	100% Participation
1-Year Fixed Account	Fixed Annual	3% Fixed
6-Year Invesco QQQ ETF PTP Cap 30% Buffer	Point to Point 6-Year	65% Cap
1-Year S&P 500 PTP Cap 100% Buffer	Point to Point Annual	6% Cap
6-Year S&P 500 PTP Cap 20% Buffer	Point to Point 6-Year	90% Cap
3-Year MSCI EAFE PTP Cap 20% Buffer	Point to Point Triennial	300% Cap
3-Year S&P 500 PTP Cap 20% Buffer	Point to Point Triennial	40% Cap
3-Year AB 500 Plus PTP Cap 20% Buffer	Point to Point Triennial	55% Cap
3-Year AB 500 Plus PTP Cap 10% Buffer	Point to Point Triennial	95% Cap
6-Year AB 500 Plus PTP Cap 20% Buffer Uncapped	Point to Point 6-Year
3-Year MSCI EAFE PTP Cap 10% Buffer Uncapped	Point to Point Triennial
3-Year S&P 500 PTP Cap 10% Buffer	Point to Point Triennial	65% Cap
3-Year Invesco QQQ ETF PTP Cap 20% Buffer	Point to Point Triennial	42% Cap
3-Year Invesco QQQ ETF PTP Cap 10% Buffer	Point to Point Triennial	68% Cap
6-Year S&P 500 PTP Cap 100% Buffer	Point to Point 6-Year	50% Cap
6-Year Invesco QQQ ETF PTP Cap 20% Buffer	Point to Point 6-Year	100% Cap
6-Year MSCI EAFE PTP Cap 20% Buffer Uncapped	Point to Point 6-Year
6-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	120% Participation 60% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	125% Participation 70% Cap
6-Year Dimensional International Equity Focus PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	130% Participation 70% Cap
6-Year AB 500 Plus Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	135% Participation 70% Cap
6-Year iShares Russell 2000 ETF PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	125% Participation 70% Cap
6-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	130% Participation 75% Cap
6-Year Invesco QQQ ETF PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	125% Participation 60% Cap
6-Year iShares Russell 2000 ETF PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	120% Participation 70% Cap
6-Year AB 500 Plus PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	130% Participation 60% Cap
6-Year Dimensional International Equity Focus PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	125% Participation 60% Cap
6-Year MSCI EAFE PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	125% Participation 70% Cap
6-Year Invesco QQQ ETF PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	130% Participation 70% Cap
6-Year iShares Russell 2000 ETF PTP Cap 30% Buffer	Point to Point 6-Year	60% Cap
1-Year MSCI EAFE PTP Enhanced Cap with Spread A 10% Buffer	Point to Point Annual	30% Cap 1.25% Spread
1-Year MSCI EAFE PTP Cap 10% Buffer	Point to Point Annual	17% Cap
1-Year S&P 500 PTP Cap 30% Buffer	Point to Point Annual	9% Cap
1-Year MSCI EAFE PTP Cap 30% Buffer	Point to Point Annual	9.75% Cap
1-Year Invesco QQQ ETF PTP Cap 30% Buffer	Point to Point Annual	9.75% Cap
1-Year iShares Russell 2000 ETF PTP Cap 30% Buffer	Point to Point Annual	9.75% Cap
1-Year S&P 500 PTP Cap 10% Buffer	Point to Point Annual	16% 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	100% Cap
6-Year Dimensional International Equity Focus PTP Cap 20% Buffer	Point to Point 6-Year	290% Cap
6-Year AB 500 Plus PTP Cap 30% Buffer	Point to Point 6-Year	65% Cap
6-Year Dimensional International Equity Focus PTP Cap 30% Buffer	Point to Point 6-Year	60% Cap
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	23% Cap 2% Spread
1-Year S&P 500 PTP Enhanced Cap with Spread A 15% Buffer	Point to Point Annual	15.5% Cap 1.25% Spread
1-Year S&P 500 PTP Enhanced Cap with Spread B 15% Buffer	Point to Point Annual	17.5% Cap 2% Spread
1-Year S&P 500 PTP Cap 15% Buffer	Point to Point Annual	12.25% Cap
1-Year MSCI EAFE PTP Enhanced Cap with Spread B 10% Buffer	Point to Point Annual	35% Cap 2% Spread
1-Year MSCI EAFE PTP Enhanced Cap with Spread A 15% Buffer	Point to Point Annual	18% Cap 1.25% Spread
1-Year MSCI EAFE PTP Enhanced Cap with Spread B 15% Buffer	Point to Point Annual	23% Cap 2% Spread
6-Year iShares Russell 2000 ETF PTP Cap 20% Buffer	Point to Point 6-Year	125% Cap
1-Year MSCI EAFE PTP Cap 15% Buffer	Point to Point Annual	12.5% Cap
1-Year iShares Russell 2000 ETF PTP Cap 10% Buffer	Point to Point Annual	16% Cap
1-Year Invesco QQQ ETF PTP Cap 10% Buffer	Point to Point Annual	16% Cap
1-Year iShares Russell 2000 ETF PTP Cap 15% Buffer	Point to Point Annual	14.5% Cap
1-Year Invesco QQQ ETF PTP Cap 15% Buffer	Point to Point Annual	14.5% Cap
3-Year iShares Russell 2000 ETF PTP Cap 10% Buffer	Point to Point Triennial	100% Cap
3-Year iShares Russell 2000 ETF PTP Cap 20% Buffer	Point to Point Triennial	55% Cap
1-Year S&P 500 Step Rate Plus 10% Buffer	Performance Triggered Annual	60% Participation 8.5% Performance triggered
1-Year MSCI EAFE Step Rate Plus 5% Buffer	Performance Triggered Annual	60% Participation 10.75% Performance triggered
1-Year S&P 500 Step Rate Plus 5% Buffer	Performance Triggered Annual	60% Participation 8.75% Performance triggered

Surrender schedule

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

Riders

No Riders for FlexGuard 2.0 annuity.

Waivers

Hospital

Unavailable in states: CA

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

Terminal Illness

Unavailable in states: CA

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
Minimum of $100 ($50 for EFT’s)
After the 1st Contract Anniversary, subsequent Purchase Payments are limited to a maximum of $100,000 per Contract Year (subsequent premiums that exceed $100,000 or more cumulatively for a Contract Year require prior company approval) Additional Purchase Payments received between Index Anniversaries will be allocated to the Fixed Account where they can be allocated among Index Strategies on any Index Anniversary or sooner through use of the Flexible Allocation feature.
Each time you add purchase payments to your contract, a new six-year surrender charge period begins.

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. Market Value Adjustment (MVA) The MVA is an adjustment (positive or negative) that applies to any withdrawals within the MVA period that exceed the contract’s Free Withdrawal Amount. The MVA Period is a 6-year period beginning at Index Effective Date that renews every 6 years in which a MVA will apply to withdrawals above the Free Withdrawal Amount and Surrenders. For a period of 60 days following the end of each MVA Period, the MVA will be waived for any withdrawal or Surrender taken from the Fixed Account. On the Index Anniversary at the end of each MVA Period, the MVA does not apply to any withdrawals or Surrender from the Annuity. Free Withdrawals Client(s) may withdraw up to 10% of total Purchase Payments each year without being subject to a MVA; and up to 10% of Purchase Payments within the Surrender Charge Period without being subject to Surrender Charges Free Withdrawals are not cumulative Surrender Charges and MVA will not apply to RMDs (that Prudential calculates), upon annuitization or at death

Company Founded: 1971

TOP Rated Company

Pruco Life Insurance Company

Company Ratings

4.7