Accessibility
Begin by selecting one of the four indices below,
then select 1-year or 6-year rolling periods.
Investing in Prudential FlexGuard's index strategies does not represent a direct investment in an index or ETF.
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
Index-linked variable annuity products are complex insurance and investment vehicles. There is risk of loss of principal if negative index returns exceed the selected protection level. Gains
or losses are assessed at the end of each term. Early withdrawals may result in a loss in addition to applicable surrender charges. 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). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT.
S&P 500
Index
Strategy
Buffer
Cap
Step Rate
Participation Rate
Average Return
# of Gains
# of Losses
# of Time Periods
Index Loss Less Than or Equal to 5%
Index Loss Between 5% and 10%
Index Loss Between 10% and 15%
Index Loss Between 15% and 20%
Loss Greater Than or Equal to 20%
% of time each strategy
would not have experienced
a loss over the 1-year periods
Highest Return
Lowest Return
1-Year Point-to-Point
Step Rate Plus
S&P 500
Index Returns*
(Rates as of 6/1/2024)
15%
10%
10%
5%
16%
12.75%
8.33%
7.61%
7.21%
7.93%
70%
70%
N/A
N/A
8.50%
8.75%
N/A
N/A
N/A
N/A
9.41%
267
302
287
316
302
82
47
62
33
47
349
349
349
349
349
20
14
15
11
14
15
11
14
9
11
14
9
11
5
9
11
5
9
1
5
22
8
13
7
8
76.50%
86.53%
82.23%
90.54%
86.53%
53.71%
37.60%
37.60%
12.75%
16%
-44.76%
-34.76%
-39.76%
-29.76%
-34.76%
1-Year Point-to-Point
15%
10%
10%
5%
Step Rate Plus
Index
Strategy
Buffer
Cap
Step Rate
Participation Rate
Average Return
# of Gains
# of Losses
# of Time Periods
Index Loss Less Than or Equal to 5%
Index Loss Between 5% and 10%
Index Loss Between 10% and 15%
Index Loss Between 15% and 20%
Loss Greater Than or Equal to 20%
Highest Return
Lowest Return
% of time each strategy would
not have experienced a loss
over the rolling 6-years
(Rates as of 6/1/24)
S&P 500
-15.04%
4.40%
-5.41%
-2.69%
-7.01%
236.18%
145.38%
145.95%
104.67%
135.92%
85.12%
100%
96.19%
99.31%
98.62%
0
0
0
0
0
1
0
0
0
0
10
0
0
0
0
14
0
1
0
2
18
0
10
2
2
289
289
289
289
289
43
0
11
2
4
246
289
278
287
285
55.89%
52.22%
45.43%
47.13%
51.08%
8.50%
8.78%
N/A
N/A
N/A
N/A
12.75%
16%
70%
70%
N/A
For more information about FlexGuard, please
contact your Prudential Sales Team at 800-513-0805
Learn more about FlexGuard
1-Year Point-to-Point
10%
15%
iShares Russell 2000 ETF Returns*
Index
Strategy
Buffer
Cap
Step Rate
Participation Rate
Average Return
# of Gains
# of Losses
# of Time Periods
Index Loss Less Than or Equal to 5%
Index Loss Between 5% and 10%
Index Loss Between 10% and 15%
Index Loss Between 15% and 20%
Loss Greater Than or Equal to 20%
Highest Return
Lowest Return
% of time each strategy would
not have experienced a loss
over the 1-year periods
(Rates as of 6/1/2024)
16%
®
iShares Russell 2000 ETF
14%
N/A
N/A
N/A
N/A
4.99%
6.22%
8.16%
152
221
189
77
8
40
229
229
229
19
3
16
18
4
9
16
1
4
9
0
3
15
0
8
66.38%
96.51%
82.53%
93.03%
9%
16%
-43.15%
-13.15%
-33.15%
1-Year Point-to-Point
30%
iShares Russell 2000 ETF Returns*
Index
Strategy
Cap
Step Rate
Participation Rate
Average Return
# of Gains
# of Losses
# of Time Periods
Index Loss Less Than or Equal to 5%
Index Loss Between 5% and 10%
Index Loss Between 10% and 15%
Index Loss Between 15% and 20%
Loss Greater Than or Equal to 20%
Highest Return
Lowest Return
% of time each strategy would
not have experineced a loss
over the rolling 6-years
(Rates as of 6/1/2024)
®
iShares Russell 2000 ETF
-3.15%
12.08%
-4.88%
213.10%
53.86%
97.73%
98.82%
100%
98.22%
0
0
0
0
0
0
0
0
0
0
0
0
2
0
3
169
169
169
2
0
3
167
169
166
57.13%
34.69%
45.63%
N/A
N/A
N/A
N/A
9%
16%
®
®
1-Year Point-to-Point
10%
30%
Index
Strategy
Buffer
Cap
Step Rate
Participation Rate
Average Return
# of Gains
# of Losses
# of Time Periods
Index Loss Less Than or Equal to 5%
Index Loss Between 5% and 10%
Index Loss Between 10% and 15%
Index Loss Between 15% and 20%
Loss Greater Than or Equal to 20%
Highest Return
Lowest Return
% of time each strategy would
not have experienced a loss
over the rolling 6-years
(Rates as of 6/1/2024)
Invesco QQQ ETF
N/A
19.96%
1.84%
293.75%
67.71%
134.66%
100%
100%
100%
N/A
0
0
N/A
0
0
N/A
0
0
N/A
0
0
N/A
0
0
169
169
169
0
0
0
169
169
169
131.33%
47.87%
74.76%
N/A
N/A
N/A
N/A
9%
16%
1-Year Point-to-Point
10%
30%
Invesco QQQ ETF Index Returns*
Index
Strategy
Buffer
Cap
Step Rate
Participation Rate
Average Return
# of Gains
# of Losses
# of Time Periods
Index Loss Less Than or Equal to 5%
Index Loss Between 5% and 10%
Index Loss Between 10% and 15%
Index Loss Between 15% and 20%
Loss Greater Than or Equal to 20%
Highest Return
Lowest Return
% of time each strategy would
not have experienced a loss
over the 1-year periods
(Rates as of 6/1/2024)
Invesco QQQ ETF
-43.25%
-13.25%
-33.25%
67.61%
9%
16%
84.72%
96.94%
90.39%
15
0
7
3
0
5
4
3
3
6
2
3
7
2
4
229
229
229
35
7
22
194
222
207
14.45%
6.36%
8.96%
N/A
N/A
N/A
N/A
9%
16%
1-Year Point-to-Point
10%
5%
MSCI EAFE Index Returns*
Index
Strategy
Buffer
Cap
Step Rate
Participation Rate
Average Return
# of Gains
# of Losses
# of Time Periods
Index Loss Less Than or Equal to 5%
Index Loss Between 5% and 10%
Index Loss Between 10% and 15%
Index Loss Between 15% and 20%
Loss Greater Than or Equal to 20%
Highest Return
Lowest Return
% of time each strategy would
not have experienced a loss
over the 1-year periods
(Rates as of 6/1/2024)
MSCI EAFE
-51.81%
-46.81%
53.94%
37.76%
60.74%
70.49%
26
18
22
8
26
22
29
26
34
29
349
349
349
137
103
74
212
246
275
4.04%
4.08%
5.04%
70%
8.75%
N/A
N/A
17%
Step Rate Plus
30%
9%
N/A
N/A
N/A
4.30%
339
10
349
26
2
22
1
8
1
8
5
10
1
78.80%
97.13%
17%
9%
-41.81%
-21.81%
1-Year Point-to-Point
Step Rate Plus
10%
30%
5%
MSCI EAFE Index Returns*
Index
Strategy
Buffer
Cap
Step Rate
Participation Rate
Average Return
# of Gains
# of Losses
# of Time Periods
Index Loss Less Than or Equal to 5%
Index Loss Between 5% and 10%
Index Loss Between 10% and 15%
Index Loss Between 15% and 20%
Loss Greater Than or Equal to 20%
Highest Return
Lowest Return
% of time each strategy would
not have experienced a loss
over the rolling 6-years
(Rates as of 6/1/2024)
MSCI EAFE
-27.55%
-5.41%
115.52%
145.95%
74.05%
96.19%
23
0
13
0
10
0
8
1
21
10
289
289
289
289
12
1
7
0
3
0
2
0
0
0
104.51%
53.86%
-16.24%
-1.16%
91.70%
99.65%
75
11
24
1
214
278
265
288
16.63%
45.43%
25.43%
27.52%
70%
8.75%
N/A
N/A
N/A
N/A
N/A
9%
17%
N/A
Prudential’s FlexGuard indexed variable annuity offers the flexibility to allocate to a variety of crediting strategies.
Viewing FlexGuard’s 1-year strategies through a longer-term lens can help illustrate the potential impact
of locking in segment gains and protection each year. These charts show the frequency of historical gains and losses
of the different indices and the hypothetical past performance of FlexGuard's 1-year term index strategies.
®
History of FlexGuard’s 1-year strategies
S&P 500
Index Returns*
10%
Buffer
Issued by Pruco Life Insurance Company
Please note that when you allocate to an Index Strategy that is linked to the performance of an ETF you are not investing in the ETF. Index-based ETFs seek to track the investment results of a specific market index. Due to a variety of factors, including the fees and expenses associated with an ETF, an ETF’s performance may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the underlying index. This potential divergence between the ETF and the specific market index is known as tracking error.
This material should not be deemed an offer to sell or solicitation of an offer to buy shares of any of the ETFs.
Text Alternative
®
®
®
This chart shows the frequency of historical gains and losses of the iShares® Russell 2000 ETF index calculated on a price only basis. The "# of Time Periods" are based on either rolling monthly 1-year or 6-year periods for the specified date range.
®
All periods are rolling monthly periods. Strategy returns assume no withdrawals and that the Account was held for the complete Index Strategy Term. This data does not represent the performance of any specific investment.
*Performance information provided by Bloomberg and reflects price only returns.
Hypothetical past performance is not indicative of future results.
Hypothetical past performance is not indicative of future results.
This chart shows the frequency of historical gains and losses of the S&P 500® index calculated on a price only basis. The "# of Time Periods" are based on either rolling monthly 1-year or 6-year periods for the specified date range.
All periods are rolling monthly periods. Strategy returns assume no withdrawals and that the Account was held for the complete Index Strategy Term. This data does not represent the performance of any specific investment.
*Performance information provided by Bloomberg and reflects price only returns.
Hypothetical past performance is not indicative of future results.
Please note that when you allocate to an Index Strategy that is linked to the performance of an ETF you are not investing in the ETF. Index-based ETFs seek to track the investment results of a specific market index. Due to a variety of factors, including the fees and expenses associated with an ETF, an ETF’s performance may not fully replicate or may, in certain circumstances, diverge significantly from the performance of the underlying index. This potential divergence between the ETF and the specific market index is known as tracking error.
This material should not be deemed an offer to sell or solicitation of an offer to buy shares of any of the ETFs.
This chart shows the frequency of historical gains and losses of the Invesco QQQ ETF index calculated on a price only basis. The "# of Time Periods" are based on either rolling monthly 1-year or 6-year periods for the specified date range.
All periods are rolling monthly periods. Strategy returns assume no withdrawals and that the Account was held for the complete Index Strategy Term. This data does not represent the performance of any specific investment.
*Performance information provided by Bloomberg and reflects price only returns.
Hypothetical past performance is not indicative of future results.
This chart shows the frequency of historical gains and losses of the MSCI EAFE index calculated on a price
only basis. The "# of Time Periods" are based on either rolling monthly 1-year or 6-year periods for the specified date range.
Investors should consider the features of the contract, index strategies, and the underlying portfolios' investment objectives, policies, management, risks, charges and expenses carefully
before investing. This and other important information is contained in the prospectus, which can be obtained by contacting the National Sales Desk. Clients should read the prospectus
carefully before investing.
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 clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional.
All guarantees including the benefit payment obligations arising under the annuity contract guarantees, any index strategy crediting, or annuity payout rates are backed by the claims-paying ability of the issuing company, and do not apply to the underlying variable investment options. Those payments and the responsibility to make them are not the obligations of the third-party broker-dealer from which this annuity is purchased or any of its affiliates.
A variable annuity is a long-term investment designed for retirement purposes. Investment returns and the principal value of an investment will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty, sometimes referred to as an additional income tax. Withdrawals reduce the account value, death benefits, and the annual amount of living benefit available.
The S&P 500® Index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by Pruco Life Insurance Company. Standard & Poor's®, S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pruco Life Insurance Company. Pruco Life Insurance Company's Product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.
It is not possible to invest directly in an index.
Invesco Capital Management LLC ("ICM") serves as sponsor of Invesco QQQ TrustSM, Series 1 ("Invesco QQQ ETF") and Invesco Distributors, Inc. ("IDI"), an affiliate of ICM serves as distributor for Invesco QQQ ETF. The mark "Invesco" is the property of Invesco Holding Company Limited and is used under license. That trademark and the ability to offer a product based
on Invesco QQQ ETF have been licensed for certain purposes by Pruco Life Insurance Company and its wholly-owned subsidiaries and affiliates (collectively, "Prudential"). Products offered by Prudential are not sponsored, endorsed, sold or promoted by ICM or Invesco Holding Company Limited, and purchasers of such products do not acquire any interest in Invesco QQQ ETF nor enter into any relationship with ICM or its affiliates. ICM makes no representations or warranties, express or implied, to the owners of any products offered by Prudential. ICM has no obligation or liability for any errors, omissions, interruptions or use of Invesco QQQ ETF or any data related thereto, or with the operation, marketing trading or sale of any products or services offered by Prudential.Nasdaq®, Nasdaq-100®, Nasdaq-100 Index®, and QQQ®, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the "Corporations") and are licensed for use for certain purposes by Pruco Life Insurance Company and its wholly-owned subsidiaries and affiliates (collectively, "Prudential"). Prudential FlexGuard® ("Product") has not been passed on by the Corporations as to their legality or suitability. The Product is not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).
The iShares® Russell 2000 ETF is distributed by BlackRock Investments, LLC. iShares® and BlackRock®, and the corresponding logos, are registered trademarks of BlackRock, Inc. and its affiliates ("BlackRock") and are used under license. BlackRock has licensed certain trademarks and trade names of BlackRock to Pruco Life Insurance Company for certain purposes. Pruco Life Insurance Company's products and services are not sponsored, endorsed, sold, or promoted by BlackRock, and purchasers of such products do not acquire any interest in the iShares® Russell 2000 ETF nor enter into any relationship of any kind with BlackRock. BlackRock makes no representations or warranties, express or implied, to the owners of any products offered
by Pruco Life Insurance Company or any member of the public regarding the advisability of purchasing any product or service offered by Pruco Life Insurance Company. BlackRock has no obligation or liability for any errors, omissions, interruptions or use of the iShares® Russell 2000 ETF or any data related thereto, or in connection with the operation, marketing, trading
or sale of any Pruco Life Insurance Company product or service offered by Pruco Life Insurance Company. All rights in the Russell®2000 Index (the "Index") vest in the relevant LSE Group company which owns the Index. Russell®2000 is a trademark of the relevant LSE Group company and is used by any other LSE Group company under license.
The Index is calculated by or on behalf of Frank Russell Company or its affiliate, agent or partner. The LSE Group does not accept any liability whatsoever to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of Prudential FlexGuard®. The LSE Group makes no claim, prediction, warranty or representation either as to the results to be obtained from Prudential FlexGuard® or the suitability of the Index for the purpose to which it is being put by Pruco Life Insurance Company.
MSCI EAFE Index: The annuity contract referred to herein is not sponsored, promoted or endorsed by MSCI, and MSCI bears no liability with respect to any such annuity contract or any index referred to by any such annuity contract. The product prospectus contains a more detailed description of the limited relationship MSCI has with Pruco Life Insurance Company and any related annuity contracts.
FlexGuard and all product features are not approved for use in all states or through all broker-dealers.
For Financial Professional Use Only. Not For Use With The Public.
© 2023 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.
1048059-00005-00
ISG_DG_ANN146_01
Invesco QQQ ETF Index Returns*
All periods are rolling monthly periods. Strategy returns assume no withdrawals and that the Account was held for the complete Index Strategy Term. This data does not represent the performance of any specific investment.
*Performance information provided by Bloomberg and reflects price only returns.
30%
9%
N/A
N/A
6.01%
341
8
349
1
5
2
0
0
97.71%
9%
-14.76%
30%
9%
N/A
N/A
40.12%
289
0
289
0
0
0
0
0
100%
67.71%
13.28%
30%
9%
N/A
N/A
6.17%
205
24
229
9
4
3
3
5
89.52%
14%
-28.15%
15%
14%
N/A
N/A
44.79%
169
0
169
0
0
0
0
0
100%
90.05%
1.42%
15%
14%
N/A
N/A
8.38%
211
18
229
3
3
5
2
5
92.14%
14%
-28.25%
15%
14%
N/A
N/A
67.95%
169
0
169
0
0
0
0
100%
0
115.12%
6.84%
15%
11.50%
N/A
N/A
4.26%
301
48
349
22
8
8
2
8
86.25%
11.50%
-36.81%
15%
15%
11.50%
N/A
N/A
29.73%
265
24
289
12
4
7
1
0
91.70%
72.34%
-16.42%
Prudential’s FlexGuard indexed variable annuity offers the flexibility to allocate to a variety of crediting strategies.
Disclosures
