Client Material

Product Material

FlexGuard 2.0 Comparison Grid

Transition rules

State Availability

RegEd product training code: FlexGuardRILA

Participation Rate with Cap Flyer

FlexGuard 2.0 Client Brochure

Help protect the life's work of clients with innovative growth opportunities and a choice of protective buffers.

A retirement strategy as individual as every client.

Prudential FlexGuard 2.0 Registered Index Linked Annuity

Strength of Prudential

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Certain indices and ETFs associated with Index Strategies may be subject to an underlying fee or reduction.

Product is subject to change.

Please refer to the fact card, which can be found under the the Client Material tab above.

What's more? There are no explicit product fees.

Enhance growth potential in up markets with two unique crediting strategies

Accelerate

Participate in the growth potential of the market

Grow

Select a level of protection that may help limit losses

Protect

FlexGuard 2.0 registered index linked annuity helps clients:

No offers for the FlexGuard 2.0 registered index linked annuity are being made nor will such offers be made until the Registration Statements filed with the SEC become effective and the Contracts and applicable rider(s) evidencing this product and benefit(s) are approved by the applicable jurisdictions. In addition, the Contracts and benefit(s) cannot be discussed with the public and no materials can be provided to the public until the Registration Statements filed with the SEC become effective and the Contracts and rider(s) evidencing this product and benefit(s) are approved by the applicable jurisdictions. Investors should carefully consider the features of the contract, index strategies, risks, and charges and expenses. The prospectus for the contract contains this and other important information which can be obtained by contacting the National Sales Desk. Clients should read the prospectuses carefully before investing. It is possible to lose money by investing in securities. Registered Index-linked annuity products are complex insurance and investment vehicles and are long-term investments designed for retirement purposes. There is risk of loss of principal if negative index returns exceed the selected protection level. As gains or losses are assessed at the end of each term, index credit is only received if the strategy is held full term, and no withdrawals are taken. Early withdrawals may result in a loss in addition to applicable surrender charges and/or Market Value Adjustment. Please reference the prospectus for information about the levels of protection available and other important product information. Annuities are issued by Pruco Life Insurance Company located in Newark, NJ (main office). Registered index linked annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any client or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. If you would like information about your particular investment needs, please contact a financial professional. A registered index linked annuity is a long-term investment designed for retirement purposes. Withdrawals or surrenders may be subject to surrender charges and/or Market Value Adjustment. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to a 10% additional tax. Withdrawals reduce the account value and the living and death benefits. All guarantees, including benefit payment obligations, index strategy crediting, or annuity payout rates, are backed by the issuing company’s claims-paying ability. The third-party broker-dealer/agency, or any of its affiliates, selling this annuity are not responsible for making those payments, and none makes any representations or guarantees about the issuer’s claims-paying ability. FlexGuard 2.0 and all product features are not approved for use in all states or through all broker-dealers. © 2025 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. For Financial Professional Use Only. Not For Use With The Public. ISG_PS_ANN10_01 1088102-00002-00

Disclosure

Help protect the life's work of clients with innovative growth opportunities and a choice of protective buffers.

A RETIREMENT STRATEGY AS INDIVIDUAL AS YOU ARE.

Prudential FlexGuard 2.0 Registered Index Linked Annuity

Strength of Prudential

No offers for the FlexGuard 2.0 registered index linked annuity are being made nor will such offers be made until the Registration Statements filed with the SEC become effective and the Contracts and applicable rider(s) evidencing this product and benefit(s) are approved by the applicable jurisdictions. In addition, the Contracts and benefit(s) cannot be discussed with the public and no materials can be provided to the public until the Registration Statements filed with the SEC become effective and the Contracts and rider(s) evidencing this product and benefit(s) are approved by the applicable jurisdictions. Investors should carefully consider the features of the contract, index strategies, risks, charges, and expenses. The prospectus for the contract contains this and other important information and can be obtained from your financial professional. Please read them carefully before investing. It is possible to lose money by investing in securities Registered Index linked annuity products are complex insurance and investment vehicles and are long-term investments designed for retirement purposes. There is risk of loss of principal if negative index returns exceed the selected protection level. As gains or losses are assessed at the end of each term, index credit is only received if the strategy is held full term, and no withdrawals are taken. Early withdrawals may result in a loss in addition to applicable surrender charges and/or Market Value Adjustment. Please reference the prospectus for information about the levels of protection available and other important product information. Annuities are issued by Pruco Life Insurance Company , Newark, NJ (main office). Registered index linked annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clientor prospective clients. The information is not intended as investment advice and is nota recommendation about managing or investing your retirement savings. If you would like information about your particular investment needs, please contact a financial professional. A registered index linked annuity is a long-term investment designed for retirement purposes. Withdrawals or surrenders may be subject to surrender charges and/or Market Value Adjustment. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to a 10% additional tax. Withdrawals reduce the account value and the living and death benefits. All guarantees, including benefit payment obligations, index strategy crediting, or annuity payout rates, are backed by the issuing company’s claims-paying ability. The third-party broker-dealer/agency, or any of its affiliates, selling this annuity are not responsible for making those payments, and none makes any representations or guarantees about the issuer’s claims-paying ability. FlexGuard 2.0 and all product features are not approved for use in all states or through all broker-dealers. © 2025 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. For Broker-Dealer Use Only. Not For Use With The Public. ISG_PS_ANN7_01 [1086834-00001-00]

Disclosure

Certain indices and ETFs associated with Index Strategies may be subject to an underlying fee or reduction.

Product is subject to change.

Please refer to the prospectus and fact card above for more information.

What's more? There are no explicit product fees.

Enhance growth potential in up markets with two unique crediting strategies

Accelerate

Participate in the growth potential of the market

Grow

Select a level of protection that may help limit losses

Protect

FlexGuard 2.0 registered index linked annuity helps clients:

Product Fact Card

RegEd Product Training

RegEd instructions

Required Product Training

Additonal product information: Product CUSIP 744300713

Previous versions of FlexGuard training will not count for FlexGuard 2.0 credit. Financial professionals must complete the applicable NAIC product training via an online vendor PRIOR to soliciting the first sale.

For more information, please contact your Prudential wholesaler or the National Sales team at 800-513-0805.

FlexGuard Comparison Grid

Product Material

Client Material

State Availability

The Prudential Insurance Company of America, a member of the Prudential Financial family of companies, is the issuer of annuities and is solely responsible for its own financial obligations. It is highly rated by the major independent rating agencies for its ability to meet financial obligations. All ratings are as of [Feb. 4, 2025]. Ratings are intended to reflect the financial strength or claims-paying ability of the issuer. The above ratings are subject to change and do not reflect any subsequent rating agency actions. We make every effort to update our literature as soon as possible after a ratings change. Please visit our investor relations site, www.investor.prudential.com, for the most current ratings information.

High quality and very low credit risk (4th category of 21)

Aa3

Moody's Investors Service

Very strong capacity to meet policyholder and contract obligations (4th category of 21)

AA-

Fitch Ratings

Superior ability to meet ongoing insurance obligations (2nd category of 13)

A+

A.M. Best Company

PICA Insurance Company Ratings

When you choose an insurance company for an annuity, you want to be sure that the issuing company is financially strong and will be able to fulfill its promises, even if those promises won’t come due until years later. The Prudential Insurance Company of America is a member of the Prudential Financial family of companies and it is the issuer of annuities. It is highly rated by the major independent rating agencies for its ability to meet financial obligations.

We are committed to meeting America’s financial challenges

Choose a brand you know and trust

Very strong financial security characteristics (4th category of 22)

AA-

Standard & Poor's

Disclosure

www.investor.prudential.com,

Prudential Financial, Inc.—a legacy of stability and leadership

• Prudential maintains its strength by spreading risk across a diversified mix of businesses including life insurance, annuities, retirement-related services, mutual funds, investment management, and commercial property services.

• With over [$1.5] trillion in assets under management, (as of [Dec. 31, 2024]) Prudential Financial, Inc. is one of the most recognized and respected names in the financial services industry. Our Rock symbol is an icon of strength, stability, expertise, and innovation that has stood the test of time.

• Prudential has been meeting financial challenges for 150 years, creating innovative products and strategies that have helped individuals and institutions reach their financial goals.

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Strength of Prudential

With over $.4 trillion in assets under management, (as of August 2022) Prudential Financial, Inc. is one of the most recognized and respected names in the financial services industry. Our Rock symbol is an icon of strength, stability, expertise, and innovation that has stood the test of time.

Prudential has been meeting financial challenges for more than 145 years, creating innovative products and strategies that have helped individuals and institutions reach their financial goals.

Prudential maintains its strength by spreading risk across a diversified mix of businesses including life insurance, annuities, retirement-related services, mutual funds, investment management, and commercial property services.

Strength of Prudential

Prudential Financial, Inc.

A legacy of stability and leadership

One of the most recognized and respected names in the financial services industry

Meeting financial challenges for 150 years

Strength of Prudential

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Choose a brand you know and trust

Pruco Life Insurance Company Ratings

As of July 30, 2025. Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey (in New York) are members of the Prudential Financial family of companies and are the issuers of index-linked annuities. Each is solely responsible for its own financial obligations. All are highly rated by the major independent rating agencies for their ability to meet financial obligations. Pruco Life Insurance Company of New Jersey is not rated by Moody’s. All ratings are as of 7/30/2025. Ratings are intended to reflect the financial strength or claims-paying ability of the issuer and are not intended to reflect the investment performance or financial strength of the variable accounts, which are subject to market risk. The above ratings are subject to change and do not reflect any subsequent rating agency actions. We make every effort to update our literature as soon as possible after a ratings change. Please visit our investor relations site, www.investor.prudential.com, for the most current ratings information.

High quality and very low credit risk (4th category of 21)

Aa3

Moody's Investors Service

As of April 30, 2025 Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey (in New York) are members of the Prudential Financial family of companies and are the issuers of index-linked annuities. Each is solely responsible for its own financial obligations. All are highly rated by the major independent rating agencies for their ability to meet financial obligations. Pruco Life Insurance Company of New Jersey is not rated by Moody’s. All ratings are as of 4/30/2025. Ratings are intended to reflect the financial strength or claims-paying ability of the issuer and are not intended to reflect the investment performance or financial strength of the variable accounts, which are subject to market risk. The above ratings are subject to change and do not reflect any subsequent rating agency actions. We make every effort to update our literature as soon as possible after a ratings change. Please visit our investor relations site, www.investor.prudential.com, for the most current ratings information.