A different kind of life insurance.
Because every client is different.
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Prudential
FlexGuard Life
®
During times of high inflation and ongoing volatility, life insurance clients are facing unprecedented challenges.
FlexGuard Life can help you address them.
FlexGuard Life, an indexed variable universal life policy, is an innovative, highly customizable life insurance product designed to meet the unique needs of individual clients through flexible death benefit options, an array of strategies to potentially grow cash value, and a choice of downside market protection levels including a floor and buffered strategies.
It offers flexibility and new ways to customize a client's policy based on their current and changing needs. That means you can tailor a solution that gives life insurance clients the confidence to handle today’s financial challenges as well as whatever the future brings.
Let’s take a deeper dive into FlexGuard Life.
What it is
How it works
Who it's for
Sales tools
To learn more about FlexGuard Life or to receive a custom illustration, contact your Prudential Wholesaler or call the National Sales Desk at 800-800-2738 Option 1.
Sales tools
Who it's for
How it works
What it is
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Who it's for
Who it's for
How it works
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What it is
What it is
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During times of high inflation and ongoing volatility, life insurance clients are facing unprecedented challenges.
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For Financial Professional Use Only. Not For Use With the Public.
ISG_DG_ILI255_01
1084525-00001-00 Ed. 02/2025
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of Pruco Life Insurance Company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker-dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
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.
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, or 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.
© 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.
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of Pruco Life Insurance Company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker-dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
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.
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 or 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.
© 2024 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.
It is possible to lose money by investing in securities.
Clients should consider the investment objectives, risks, charges, and expenses carefully before investing in the contract and/or underlying portfolios. The initial summary prospectus for the contract, the prospectus for the index strategies, and the prospectus or summary prospectus for the underlying portfolios (collectively, the “prospectuses”) contain this information as well as other important information and may be obtained by contacting your Prudential life wholesaler or from prudential.com. Clients should read the prospectuses carefully before investing.
Disclosure:
Accessibility
®
Index-linked variable universal life products are complex insurance and investment vehicles and are long-term investments designed to provide death benefit protection with cash value accumulation potential. 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. Unpaid loans and withdrawals reduce cash values and death benefits; may reduce the duration of the guarantee against lapse, which may lapse the policy; and may have tax consequences. Please reference the prospectus for information about the levels of protection available and other important product information.
Investing in Prudential FlexGuard's index strategies does not represent a direct investment in an index.
Prudential FlexGuard Life is issued by Pruco Life Insurance Company and distributed through Pruco Securities, LLC (member SIPC). Both are Prudential Financial companies located in Newark, NJ.
Product and riders subject to state approvals. Not available in New York.
What it is
FlexGuard Life combines benefits of IUL and VUL products to help clients address current and future financial challenges.
It offers:
To learn more about FlexGuard Life or to receive a custom illustration, contact your Prudential Wholesaler or call the National Sales Desk at 800-800-2738, Option 1.
How it works
How it works
Sales tools
Sales tools
Who it's for
Who it's for
How it works
How it works
What it is
What it is
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Customization and flexibility: Adapts to clients' needs with death benefit options that can be varied and cash value growth strategies that can be modified as clients' objectives change over time.
Protection and growth: Offers more upside potential than an IUL and more downside protection than a VUL with buffered and floor strategies.
Guarantees and accessibility: Has a built-in 5-year no-lapse guarantee with extendable riders, cash value access, and optional accelerated death benefits for chronic or terminal illness.
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For Financial Professional Use Only. Not For Use With the Public.
ISG_DG_ILI255_01
1084525-00001-00 Ed. 02/2025
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of Pruco Life Insurance Company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker-dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
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.
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, or 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.
© 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.
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of Pruco Life Insurance Company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker-dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
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.
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 or 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.
© 2024 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.
Index-linked variable universal life products are complex insurance and investment vehicles and are long-term investments designed to provide death benefit protection with cash value accumulation potential. 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. Unpaid loans and withdrawals reduce cash values and death benefits; may reduce the duration of the guarantee against lapse, which may lapse the policy; and may have tax consequences. Please reference the prospectus for information about the levels of protection available and other important product information.
Investing in Prudential FlexGuard's index strategies does not represent a direct investment in an index.
Prudential FlexGuard Life is issued by Pruco Life Insurance Company and distributed through Pruco Securities, LLC (member SIPC). Both are Prudential Financial companies located in Newark, NJ.
Product and riders subject to state approvals. Not available in New York.
It is possible to lose money by investing in securities.
Clients should consider the investment objectives, risks, charges, and expenses carefully before investing in the contract and/or underlying portfolios. The initial summary prospectus for the contract, the prospectus for the index strategies, and the prospectus or summary prospectus for the underlying portfolios (collectively, the “prospectuses”) contain this information as well as other important information and may be obtained by contacting your Prudential life wholesaler or from prudential.com. Clients should read the prospectuses carefully before investing.
Disclosure:
Accessibility
How it works
Help meet clients' unique needs with FlexGuard Life's highly customizable features:
PROTECTION
Life insurance death benefit with optional extended guarantees.
GROWTH
Unique strategies to potentially increase cash value by participating in the market with levels of downside protection.
ACCESS
Ability to access cash values and living benefits that can be used in the event of chronic or terminal illness.
LEARN MORE
LEARN MORE
LEARN MORE
PROTECTION
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A choice of death benefit protections
FlexGuard offers the opportunity to choose the amount and duration of the death benefit protection.
FlexGuard Life also allows clients to choose the length of guarantee against lapse, which can be extended for an additional cost, providing them with guaranteed coverage as long as sufficient premiums are paid and other guaranteed requirements are met. FlexGuard’s No-Lapse Guarantee ensures that, for a certain time period, their policy will stay in effect no matter what happens to their policy’s values.
5-year premium-based guarantee
They can choose to have the guarantee last for as little as five years, as long as they live, or anywhere in between:
Automatically included in policy with option to add extended rider.
Optional rider that extends no-lapse guarantee through age 90.
Extended NLG Rider
Optional rider that extends no-lapse guarantee through age 120.
Extended Plus NLG Rider
The amount, timing, and number of premium payments will impact the No-Lapse Guarantee; as will any loans and withdrawals. Longer Lapse Protection option is provided by the Extended NLG Rider or Extended Plus NLG Rider.
To learn more about FlexGuard Life or to receive a custom illustration, contact your Prudential Wholesaler or call the National Sales Desk at 800-800-2738, Option 1.
To learn more about FlexGuard Life or to receive a custom illustration, contact your Prudential Wholesaler or call the National Sales Desk at 800-800-2738 Option 1.
A fixed rate option for steady growth with less risk.
FIXED
Index strategies that provide interest potential for policy cash value and levels of downside protection in down markets.
INDEX STRATEGIES
Variable investment options offer the highest upside potential but do not offer downside protection.
VARIABLE
Three ways to grow and protect cash values
FlexGuard Life offers a choice of cash value interest opportunities in up markets and levels of downside protection in downturns. These can be changed as a client’s needs change over time:
Index crediting strategies that offer upside potential and levels of downside market protection
GROWTH
FlexGuard Life offers a way to participate in the upside of the market while limiting the impact of negative returns.
* There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
FlexGuard Life Buffers in Action
*Performance information provided by Bloomberg and reflects price-only returns.
40%
30%
20%
10%
0%
-20%
-30%
-40%
'95 '96 '97 '98 '99 '00 '01 '02 '03 '04 '05 '06 '07 '08 '09 '10 '11 '12 '13 '14 '15 '16 '17 '18 '19 '20 '21 '22 '23 '24
34
31
27
20
-10
-13
20
-23
26
9
3
14
4
-38
23
13
0
13
30
11
-1
10
19
-6
29
16
27
-10% Buffer
GROWTH
Ability to access cash values and living benefits that can be used in the event of chronic or terminal illness
ACCESS
FlexGuard Life allows clients to access the accumulated cash value in their policy, to use for anything they choose, like supplementing retirement, through loans that are charged interest, or through withdrawals.
It also offers living benefits that include accelerating the death benefit—accessing the money that would otherwise go to their beneficiaries when they pass away—although it will reduce the amount they ultimately receive. These are:
BenefitAccess Rider
Lets clients accelerate the death benefit if they become terminally ill or, in some states, if they will be confined to a nursing home for six months or more.
Living Needs Benefit
SM
SM
(available at no additional charge)
(available at an additional charge)
** The BenefitAccess Rider is an optional rider that accelerates the life insurance death benefit when the insured is terminally ill or is chronically ill as defined in the rider. It is not Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing the BenefitAccess Rider results in an additional charge and underwriting requirements. Some benefit payments may be subject to a fee. Other terms and conditions apply and can vary by state. Clients should consult their tax and legal advisors.
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Living Needs BenefitSM
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Who it's for
Who it's for
Sales tools
Sales tools
Who it's for
Who it's for
How it works
How it works
What it is
What it is
Extended Plus NLG Rider:
Extended NLG Rider:
5-year premium guarantee:
Variable
Index Strategies
Fixed
* Outstanding loans and withdrawals will reduce policy cash values and the death benefit and may have tax consequences. Unpaid loans and withdrawals may reduce the duration of the guarantee against lapse, which may lapse the policy, and may have tax consequences.
Living Needs Benefit SM
Living Needs Benefit
Lets clients accelerate the death benefit if they become chronically or terminally ill, subject to the terms and conditions of the rider.**
BenefitAccess Rider
**
Lets clients accelerate the death benefit if they become chronically or terminally ill, subject to the terms and conditions of the rider.
*
GROWTH PART 1
Extended Plus NLG Rider:
*
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23
-19
** The BenefitAccess Rider is an optional rider that accelerates the life insurance death benefit when the insured is terminally ill or is chronically ill as defined in the rider. It is not Long-Term Care (LTC) insurance. Benefits received under the rider will reduce and may deplete the death benefit. Electing the BenefitAccess Rider results in an additional charge and underwriting requirements. Some benefit payments may be subject to a fee. Other terms and conditions apply and can vary by state. Clients should consult their tax and legal advisors.
This chart illustrates the S&P 500 index returns from 1995 to 2024. In 23 of those 30 years, the return was positive; in 7 it was negative. With the protection of a 10% buffer, the account value would have experienced no loss in 3 of those 7 years. So, on a rolling monthly basis, a 10% buffer would have protected the account value from loss 87% of the time, and a 15% buffer would have protected it 91% of the time.
Past performance is not indicative of future performance results.
Dual Directional with Buffer
FlexGuard Life offers index strategies for cash value growth potential based on the performance of the S&P 500 Index. * Clients can choose to allocate their premiums to one or more of the index strategies, or combine them with allocations to variable investment options or the fixed rate option.**
24
Index strategies can help clients' money grow potential and levels of downside market protection
Step Rate Plus with Buffer
Enhanced Cap Rate with Buffer
Capped with Buffer
Capped with Floor
Offers full downside protection but limited upside potential.
Offers a level of downside protection but limits upside potential.
Offers higher level of upside potential, after the deduction of a Spread, along with a level of downside protection.
Offers upside potential with no maximum as well as a level of downside protection.
Offers a level of downside protection and upside potential even when Index Returns are negative (within or equal to the Buffer).
Cap limits growth rate
Step Rate
Cap limits growth rate
Cap limits growth rate
Spread reduces growth rate
Greater of
Participation Rate multiplied by the Index Return
Negative Index Returns in excess of the Buffer will negatively impact the segment value
0%
Floor prevents negative return
Buffer eliminates initial loss
Buffer provides positive Index Interest
Cap Rates, Spread, Participation Rate, and Step Rate will vary.
* Please see the prospectuses for additional details.
** Restrictions apply to transferring amounts out of the fixed rate option and the index strategies into the variable investment options. Please see the prospectuses for additional details.
Please refer to page 14 for a description of index strategy terms.
Cap limits growth rate
History of S&P 500 Index Returns
For greater growth potential, clients can also choose variable investment options. FlexGuard Life allows clients to allocate to variable investment options, including asset allocation, equity, bond, and money market funds. These diverse options can be an attractive choice if clients are willing to take on more risk in exchange for greater growth potential.
Variable investment options
15% Buffer
10% Buffer
0% Floor
Step Rate Plus
Dual Directional
Enhanced
Cap Rate
Cap Rate with
Buffer
Cap with Floor
Buffer of Floor Levels
Choose a level of protection
1-YEAR STRATEGIES FOR GROWTH
Alt text: ‘shows a table that shows the level of protection for one 0-year index crediting strategies for growth. A buffer of floor level of zero per cent is offer with zero per cent floor. A cap rate with buffer is available with ten and fifteen per cent buffer. Enhanced cap rate is available with ten and fifteen per cent buffer. Dual Directional is available with ten and fifteen per cent buffer. Step rate plus is available with ten per cent buffer.
Index crediting strategies
With FlexGuard Life, clients can allocate their money to one or any combination of a fixed rate option, index crediting strategies, and variable subaccounts.
Clients choose how to allocate their money
Floor: Full downside protection I Buffers: Partial downside protection I Variable investment options: No downside protection
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For Financial Professional Use Only. Not For Use With the Public.
ISG_DG_ILI255_01
1084525-00001-00 Ed. 02/2025
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of Pruco Life Insurance Company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker-dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
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.
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, or 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.
© 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.
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of Pruco Life Insurance Company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker-dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
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.
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 or 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.
© 2024 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.
Index-linked variable universal life products are complex insurance and investment vehicles and are long-term investments designed to provide death benefit protection with cash value accumulation potential. 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. Unpaid loans and withdrawals reduce cash values and death benefits; may reduce the duration of the guarantee against lapse, which may lapse the policy; and may have tax consequences. Please reference the prospectus for information about the levels of protection available and other important product information.
Investing in Prudential FlexGuard's index strategies does not represent a direct investment in an index.
Prudential FlexGuard Life is issued by Pruco Life Insurance Company and distributed through Pruco Securities, LLC (member SIPC). Both are Prudential Financial companies located in Newark, NJ.
Product and riders subject to state approvals. Not available in New York.
It is possible to lose money by investing in securities.
Clients should consider the investment objectives, risks, charges, and expenses carefully before investing in the contract and/or underlying portfolios. The initial summary prospectus for the contract, the prospectus for the index strategies, and the prospectus or summary prospectus for the underlying portfolios (collectively, the “prospectuses”) contain this information as well as other important information and may be obtained by contacting your Prudential life wholesaler or from prudential.com. Clients should read the prospectuses carefully before investing.
Disclosure:
Accessibility
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
Please see the prospectuses for additional details.
Alt text: ‘shows a table that outlines how index strategies can help clients’ money grow potential and levels of downside market protection. A strategy capped with floor offers full downside protection but limited upside potential. The cap above zero per cent limits growth rates. The floor below zero per cent prevents negative returns. A strategy capped with buffer offers a level of downside protection but limits upside potential. The cap limits growth above zero per cent. When it falls below zero per cent the buffer eliminates initial loss and negative index returns in excess of the Buffer will negatively impact the segment value–this is the same for enhanced cap rate with buffer and step rate plus wit buffer. Enhanced cap rate with buffer also offers higher level of upside potential, after the deduction of a spread, along with a level of downside protection. Above zero per cent the cap limits growth rate and the spread reduce growth rate. Step rate plus with buffer offers upside potential with no maximum as well as a level of downside protection. Above zero per cent the participation rate multiplied by the index return and the greater of step rate. Dual directional with buffer offers a level of downside protection and upside potential even when index returns are negative within or equal to the buffer. Above zero per cent the cap limits growth rate and below zero per cent the buffer provides positive index interest, and the negative index returns in excess of the buffer will negatively impact the segment value.’
GROWTH
PROTECTION SECTION
GROWTH PART 2
GROWTH PART 3
FlexGuard Life offers index strategies for cash value growth potential based on the performance of the S&P 500 Index.
Clients can choose to allocate their premiums to one or more of the index strategies, or combine them with allocations to variable investment options or the fixed rate option.
Restrictions apply to transferring amounts out of the fixed rate option and the index strategies into the variable investment options. Please see the prospectuses for additional details.
Index crediting strategies offer levels of protection from market loss (floor or buffers). Interest is credited on a point-to-point basis—i.e., at the end of the year—based on the performance of the S&P 500 index, specific index crediting strategy, and floor or buffer you select. At the end of the index term, clients can renew or reallocate to any growth strategy available at that time—unless they have elected the Extended Plus NLG rider; in that case, all allocations must remain in the buffered index strategies for the first 10 policy years. It is important to note that they can’t transfer funds from an index crediting strategy to a variable investment option at any time. The following buffers and index crediting strategies are currently offered. {Please note that not all options may be available in all states or through all broker-dealers.} Who it's for
Different clients. Different needs. One product you can customize to satisfy them.
LEARN MORE
FlexGuard Life can be tailored to meet the unique needs and goals of each individual client.
To learn more about FlexGuard Life or to receive a custom illustration, contact your Prudential Wholesaler or call the National Sales Desk at 800-800-2738 Option 1.
FlexGuard Life Client Profiler
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We've identified three audiences who are most likely to respond favorably to FlexGuard Life, from clients looking for protection, to accumulation, to wealth transfer. Read about each one to engage them in productive conversations.
The Accelerator
The Protector
The Legacy Provider
The Legacy Provider
The Protector
The Accelerator
likely to find the Enhanced Cap Rate, Step Rate Plus, or variable investment options attractive for growth potential
The "Accelerator"
likely to be interested in index strategies with floor or buffer to reduce potential losses
The "Protector"
likely to want to enhance growth potential and reduce potential losses with buffered index strategies
The "Legacy Provider"
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•
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•
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The typical client profile for FlexGuard Life includes individuals between the ages of 35 and 75 who are seeking a permanent death benefit and:
General Audience
General Audience
Sales tools
Sales tools
•
•
•
excited at the prospect of potential supplemental tax-advantaged retirement income
maxed out retirement options
may opt for built-in guarantee to minimize charges
wants cost-effective death benefit protection
likely young, healthy, successful
may prefer to extend no-lapse guarantee
cares about death benefit and living benefits
sees the importance of having permanent life insurance
likely financially comfortable but doesn’t need to be wealthy
priority is taking care of their family
may want to extend death benefit guarantee
may be concerned about taxes and market volatility
has ample funds to reposition into life insurance
priority is to transfer wealth tax-efficiently to the next generation
worked hard to build a legacy
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For Financial Professional Use Only. Not For Use With the Public.
ISG_DG_ILI255_01
1084525-00001-00 Ed. 02/2025
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of Pruco Life Insurance Company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker-dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
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.
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, or 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.
© 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.
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of Pruco Life Insurance Company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker-dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
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.
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 or 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.
© 2024 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.
Index-linked variable universal life products are complex insurance and investment vehicles and are long-term investments designed to provide death benefit protection with cash value accumulation potential. 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. Unpaid loans and withdrawals reduce cash values and death benefits; may reduce the duration of the guarantee against lapse, which may lapse the policy; and may have tax consequences. Please reference the prospectus for information about the levels of protection available and other important product information.
Investing in Prudential FlexGuard's index strategies does not represent a direct investment in an index.
Prudential FlexGuard Life is issued by Pruco Life Insurance Company and distributed through Pruco Securities, LLC (member SIPC). Both are Prudential Financial companies located in Newark, NJ.
Product and riders subject to state approvals. Not available in New York.
It is possible to lose money by investing in securities.
Clients should consider the investment objectives, risks, charges, and expenses carefully before investing in the contract and/or underlying portfolios. The initial summary prospectus for the contract, the prospectus for the index strategies, and the prospectus or summary prospectus for the underlying portfolios (collectively, the “prospectuses”) contain this information as well as other important information and may be obtained by contacting your Prudential life wholesaler or from prudential.com. Clients should read the prospectuses carefully before investing.
Disclosure:
Accessibility
benefits for chronic or terminal illness available through optional riders
potentially higher returns even if it means assuming market risk
the ability to use life insurance as part of a tax-advantaged income strategy
cost-effective protection
Sales tools
Explore robust resources designed to support you through every step of the FlexGuard Life sales process.
Let's get going.
To learn more about FlexGuard Life or to receive a custom illustration, contact your Prudential Wholesaler or call the National Sales Desk at 800-800-2738, Option 1.
Sales tools
Sales tools
Who it's for
Who it's for
How it works
How it works
What it is
What it is
Post Sale
Completing the Sale
Point of Sale
Education
Post Sale
Completing the Sale
Point of Sale
Education
®
LifeInsight
LifeInsight®
Policy Performance Review – access and review policy performance with real-time values and interactive graphics.
Notifications and Alerts – identify upcoming actions with illustrated announcements.
LifeInsight Summary – conduct meaningful conversations with consolidated policy overviews.
Scenario Builder – illustrate, review, and compare different scenarios on
permanent contracts.
Post Sale
eCapabilities
Visit eCapabilities
Completing the Sale
Share this piece with clients during a meeting or as a leave-behind. Point out how they have the option to design their policy to meet their unique needs.
A one-page flyer that quickly highlights the benefits of FlexGuard Life.
DOWNLOAD
Share with client
Share with client
Product Rate Card
Help clients understand current indexed strategy options to help them make an informed buying decision.
Current indexed strategy options & rates.
DOWNLOAD
Share with client
Share with client
Highlights a history of the markets to show the power of buffered index strategies.
Share this piece with clients to help them make an informed decision about allocating their premium into an index strategy.
Buffers in Action
DOWNLOAD
Share with client
Share with client
Share this brochure with clients to
help explain the innovative features
and benefits of FlexGuard Life.
Detailed brochure that explains how clients can customize their death benefit protection, cash value interest strategies, and living benefits.
Consumer Brochure
DOWNLOAD
Share with client
Share with client
Product Rate Card
Buffers in Action
Consumer Brochure
Point of Sale Materials
A Message from Senior Management
Salene Hitchcock shares a brief message on why Prudential is embracing innovation.
Transcript
DOWNLOAD
Learn more about the product's features and benefits.
Fast Facts Flyer
Education
How to use this:
How to use this:
How to use this:
Consumer Infographic
How to use this:
• eSubmission: Less paperwork for you and for clients and higher In Good Order rates.
• eInterview: More convenient than a phone interview, so clients will complete this step more quickly.
• eReview with PruFast Track: Accelerated underwriting with no medical exams or blood tests can help get clients approved in days, not weeks.
• eDelivery: After we receive eSignatures, the policy will be automatically returned
for placement.
eCapabilities by Prudential is a seamless, digital experience from start to finish for you and for clients.
Our eCapabilities include:
LifeInsight’s features include:
LifeInsight is our patented, interactive policy management tool that simplifies monitoring policy goals, assumptions, and performance.
DOWNLOAD
Learn how FlexGuard Life IVUL may be the "just right" choice when compared with IUL and traditional VUL products.
Goldilocks and the 3 ULs
Visit
See a visual comparison of how IUL, VUL, and IVUL policies may have performed in past scenarios.
Risk Tolerance & History Approach
DOWNLOAD
Learn the product's niches for accumulation or protection sales.
Case Design Guide
Risk Tolerance &
History Approach
Case Design Guide
Fast Facts Flyer
Consumer Infographic
DOWNLOAD
Share this piece with clients who are interested in allocating their premium into a buffered index strategy.
How to use this:
A two-page flyer that highlights the rewards of long-term investing.
S&P 500 Historical Returns
Share with client
Share with client
Goldilocks and the 3 ULs
Transcript
Share with client
Share with client
Watch this video and discover why you may want to consider FlexGuard Life for your next case.
Three Reasons to Consider FlexGuard Life Video
Interactive Tool
Step Rate Plus Flyer
Enhanced Cap Rate Flyer
Dual Directional Flyer
S&P 500 Historical Returns
Share with client
Share with client
DOWNLOAD
Use this flyer to show clients how the strategy performs under three return scenarios.
How to use this:
Explains the Dual Directional strategy and shows clients how it can turn a negative index return (within or equal to the Buffer) into a positive credit.
Dual Directional
Share with client
Share with client
DOWNLOAD
Add strategies that you would like your client to consider to help explain how they would have performed in actual up and down markets.
How to use this:
Enables you to compare how various choices of index strategies may perform in different market scenarios.
Interactive Tool
Share with client
Share with client
DOWNLOAD
Share with clients to show them how the strategy fares in three up market and two down market scenarios.
How to use this:
Illustrates how this strategy can earn higher index interest because it is uncapped.
Step Rate Plus
Share with client
Share with client
DOWNLOAD
Use this flyer to show clients how the strategy performs under three up market and two down market scenarios.
How to use this:
Explains how the Enhanced Cap Rate Strategy offers the opportunity to capture a higher-level Cap Rate than the Cap with Floor or Cap with Buffer strategies, offering the opportunity to capture more market growth.
Enhanced Cap Rate
Go to the sticky navigation bar on this page
®
®
•
•
•
•
®
®
®
®
®
®
®
For Financial Professional Use Only. Not For Use With the Public.
ISG_DG_ILI255_01
1084525-00001-00 Ed. 02/2025
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of Pruco Life Insurance Company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker-dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
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.
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, or 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.
© 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.
Buffers available on index-crediting strategies only. Variable investment options are available but do not offer protection levels.
There are allocation restrictions with the Extended Plus NLG Rider. Please refer to the policy Initial Summary Prospectus (ISP) for more information.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of Pruco Life Insurance Company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker-dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
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.
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 or 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.
© 2024 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.
Index-linked variable universal life products are complex insurance and investment vehicles and are long-term investments designed to provide death benefit protection with cash value accumulation potential. 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. Unpaid loans and withdrawals reduce cash values and death benefits; may reduce the duration of the guarantee against lapse, which may lapse the policy; and may have tax consequences. Please reference the prospectus for information about the levels of protection available and other important product information.
Investing in Prudential FlexGuard's index strategies does not represent a direct investment in an index.
Prudential FlexGuard Life is issued by Pruco Life Insurance Company and distributed through Pruco Securities, LLC (member SIPC). Both are Prudential Financial companies located in Newark, NJ.
Product and riders subject to state approvals. Not available in New York.
It is possible to lose money by investing in securities.
Clients should consider the investment objectives, risks, charges, and expenses carefully before investing in the contract and/or underlying portfolios. The initial summary prospectus for the contract, the prospectus for the index strategies, and the prospectus or summary prospectus for the underlying portfolios (collectively, the “prospectuses”) contain this information as well as other important information and may be obtained by contacting your Prudential life wholesaler or from prudential.com. Clients should read the prospectuses carefully before investing.
Disclosure:
Accessibility
