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FlexGuard Income 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 Income 2.0

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Investment

Your Gender

Your Age

Retire At

About Product

Type

Registered Index-Linked

Purpose

Lifetime Income

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

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, and IRA-Roth

Launch Date

02/02/2026

Prudential FlexGuard Income 2.0 index linked annuity with Index Linked Variable Income Benefit
Registered Single Premium Deferred Index Linked Annuity with built-in Index Linked Variable Income Benefit (Benefit)

Available in states: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MA, MI, MN, MS, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, VT, WA, WV, WI, and WY

Allocation Accounts

Name	Type	Rates
1-Year S&P 500 Dual Directional Cap 15% Buffer	Dual Directional Annual	7.75% Cap
1-Year S&P 500 Dual Directional Cap 10% Buffer	Dual Directional Annual	13.5% Cap
6-Year S&P 500 Dual Directional Cap 20% Buffer	Dual Directional 6-Year	75% Cap
6-Year S&P 500 Dual Directional Cap 10% Buffer	Dual Directional 6-Year	110% Cap
6-Year S&P 500 Dual Directional Cap 15% Buffer	Dual Directional 6-Year	80% Cap
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 MSCI EAFE Tiered Participation Rate (10% 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 (10% 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 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 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
1-Year Fixed Account	Fixed Annual	3.5% Fixed
6-Year S&P 500 PTP Cap 100% Buffer	Point to Point 6-Year	50% Cap
3-Year Invesco QQQ ETF PTP Cap 10% Buffer	Point to Point Triennial	73% Cap
3-Year Invesco QQQ ETF PTP Cap 20% Buffer	Point to Point Triennial	47% Cap
6-Year AB 500 Plus PTP Cap 20% Buffer	Point to Point 6-Year
3-Year AB 500 Plus PTP Cap 10% Buffer	Point to Point Triennial	105% Cap
6-Year MSCI EAFE PTP Cap 20% Buffer	Point to Point 6-Year
6-Year iShares Russell 2000 ETF PTP Cap 20% Buffer	Point to Point 6-Year	150% Cap
6-Year S&P 500 PTP Cap 20% Buffer	Point to Point 6-Year	100% Cap
3-Year MSCI EAFE PTP Cap 20% Buffer	Point to Point Triennial	350% Cap
3-Year iShares Russell 2000 ETF PTP Cap 20% Buffer	Point to Point Triennial	65% Cap
3-Year AB 500 Plus PTP Cap 20% Buffer	Point to Point Triennial	65% Cap
3-Year MSCI EAFE PTP Cap 10% Buffer	Point to Point Triennial
6-Year AB 500 Plus PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	135% Participation 65% Cap
3-Year iShares Russell 2000 ETF PTP Cap 10% Buffer	Point to Point Triennial	110% Cap
6-Year Invesco QQQ ETF PTP Cap 20% Buffer	Point to Point 6-Year	105% Cap
6-Year Invesco QQQ ETF PTP Cap 30% Buffer	Point to Point 6-Year	70% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	130% Participation 75% Cap
6-Year S&P 500 PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	125% Participation 65% Cap
6-Year MSCI EAFE PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	135% Participation 80% Cap
6-Year MSCI EAFE PTP Cap with Participation Rate with 20% 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	130% Participation 65% Cap
6-Year Invesco QQQ ETF PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	135% Participation 75% Cap
6-Year Dimensional International Equity Focus PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	135% Participation 75% Cap
6-Year Dimensional International Equity Focus PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	130% Participation 65% Cap
6-Year iShares Russell 2000 ETF PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	130% Participation 75% Cap
6-Year iShares Russell 2000 ETF PTP Cap with Participation Rate with 20% Buffer	Point to Point 6-Year	125% Participation 65% Cap
6-Year AB 500 Plus PTP Cap with Participation Rate with 10% Buffer	Point to Point 6-Year	140% Participation 75% Cap
1-Year S&P 500 PTP Enhanced Cap with Spread B 15% Buffer	Point to Point Annual	19% Cap 2% Spread
6-Year Dimensional International Equity Focus PTP Cap 20% Buffer	Point to Point 6-Year
1-Year iShares Russell 2000 ETF PTP Cap 30% Buffer	Point to Point Annual	10.75% Cap
1-Year S&P 500 PTP Cap 30% Buffer	Point to Point Annual	10% Cap
1-Year MSCI EAFE PTP Cap 30% Buffer	Point to Point Annual	10.75% Cap
1-Year Invesco QQQ ETF PTP Cap 30% Buffer	Point to Point Annual	10.75% Cap
1-Year S&P 500 PTP Enhanced Cap with Spread A 10% Buffer	Point to Point Annual	20% Cap 1.25% Spread
6-Year S&P 500 PTP Cap 30% Buffer	Point to Point 6-Year	70% Cap
6-Year MSCI EAFE PTP Cap 30% Buffer	Point to Point 6-Year	150% Cap
6-Year iShares Russell 2000 ETF PTP Cap 30% Buffer	Point to Point 6-Year	70% Cap
6-Year AB 500 Plus PTP Cap 30% Buffer	Point to Point 6-Year	75% Cap
6-Year Dimensional International Equity Focus PTP Cap 30% Buffer	Point to Point 6-Year	70% Cap
1-Year MSCI EAFE PTP Enhanced Cap with Spread B 15% Buffer	Point to Point Annual	25% Cap 2% Spread
1-Year MSCI EAFE PTP Enhanced Cap with Spread A 15% Buffer	Point to Point Annual	20% 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 10% Buffer	Point to Point Annual	32% Cap 1.25% Spread
3-Year S&P 500 PTP Cap 10% Buffer	Point to Point Triennial	110% Cap
1-Year S&P 500 PTP Enhanced Cap with Spread A 15% Buffer	Point to Point Annual	17% Cap 1.25% Spread
1-Year S&P 500 PTP Enhanced Cap with Spread B 10% Buffer	Point to Point Annual	25% Cap 2% Spread
1-Year S&P 500 PTP Cap 10% Buffer	Point to Point Annual	17% Cap
3-Year S&P 500 PTP Cap 20% Buffer	Point to Point Triennial	50% Cap
1-Year iShares Russell 2000 ETF PTP Cap 10% Buffer	Point to Point Annual	17% Cap
1-Year Invesco QQQ ETF PTP Cap 10% Buffer	Point to Point Annual	17% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer	Point to Point Annual	18% Cap
1-Year S&P 500 PTP Cap 15% Buffer	Point to Point Annual	12.75% Cap
1-Year iShares Russell 2000 ETF PTP Cap 15% Buffer	Point to Point Annual	16.25% Cap
1-Year Invesco QQQ ETF PTP Cap 15% Buffer	Point to Point Annual	15.5% Cap
1-Year MSCI EAFE PTP Cap 15% Buffer	Point to Point Annual	14.5% Cap
1-Year S&P 500 PTP Cap 100% Buffer	Point to Point Annual	8% Cap
1-Year S&P 500 Step Rate Plus 5% Buffer	Performance Triggered Annual	60% Participation 10% Performance triggered
1-Year MSCI EAFE Step Rate Plus 5% Buffer	Performance Triggered Annual	60% Participation 12.5% Performance triggered
1-Year S&P 500 Step Rate Plus 10% Buffer	Performance Triggered Annual	60% Participation 9% Performance triggered

Surrender schedule

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

Riders

Name	Inbuilt	Fee
Index Linked Variable Income Benefit	Yes	1.70% annually

Waivers

Hospital

Unavailable in states: CA

You may request to surrender all or part of your Annuity prior to the Annuity date without CDSC or MVA upon the occurence of a medically-related "Contingency Event." A "Contingency Event" occurs if the Owner (or Annuitant if entity-owned) is: first confined in a "Medical Care Facility" after the Issue Date and while the Annuity is in force and remains confined for at least 90 consecutive days. We define a medical facility as a facility recognized as a hospital or a long-term care facility or that is a nursing home facility with a 24-hour RN or LPN who controls all prescribed medications and daily medical records.

Nursing Home

Unavailable in states: CA

Terminal Illness

Unavailable in states: CA

You may request to surrender all or part of your Annuity prior to the Annuity date without CDSC or MVA upon the occurence of a medically-related "Contingency Event." A "Contingency Event" occurs if the Owner (or Annuitant if entity-owned) is: first diagnosed as having a "Fatal Illness" after the Issue Date and while the Annuity is in force. We define terminal illness as a condition which death results in 2 years for 80% of diagnosed cases.

Premium Notes

Purchase Payment
$25,000 Minimum Qualified and Non-Qualified
$1,000,000 Maximum (Premiums that exceed $1,000,000 or more require prior company approval)
For contracts being funded with multiple Purchase Payments, Prudential will hold any received Purchase Payments in a non-interest-bearing account until the earlier of 45 days from the application sign date or when all Purchase Payments are
received, and the contract is in good order.

Withdrawal Provisions

Systematic Withdrawals You 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 WithdrawalsYear 1: 10% of the Purchase PaymentYear 2: 10% of the Account Value on previous Contract Anniversary DateFree Withdrawals in each contract year are not cumulative

Company Founded: 1971

TOP Rated Company

Pruco Life Insurance Company

Company Ratings

4.7