PRUDENTIAL FLEXGUARD INCOME SELECT
SINGLE PREMIUM DEFERRED INDEX-LINKED AND VARIABLE ANNUITY
Issued by
PRUCO LIFE INSURANCE COMPANY and
Index Linked Variable Income Benefit Supplement
Supplement dated May 1, 2025
To
Prospectus dated May 1, 2025 and
Initial Summary Prospectus dated May 1, 2025
This Index Linked Variable Income Benefit Supplement (this “Supplement”) applies only to the product noted above and should be read and retained with the Prospectus and Initial Summary Prospectus (“Prospectus”) for the Prudential FlexGuard Income Select Index-Linked and Variable Annuity (the “Annuity”). If you would like another copy of the Prospectus, please call us at 1-888-PRU-2888.
This Supplement provides the Income Percentages, Income Deferral Rates, Waiting Period, and Benefit Charge we are currently offering for the Prudential FlexGuard Income Select Index Linked Variable Income Benefit (the “Benefit”) available with the Annuity. This Supplement replaces and supersedes any previously published Index Linked Variable Income Benefit Supplement(s) and must be used with an effective prospectus for the Annuity.
This Supplement discloses the Income Percentages, Income Deferral Rates, Waiting Period, and Benefit Charge (collectively known as “Benefit Terms”) that are effective beginning on the date of the Supplement disclosed above. The Supplement also discloses current Ongoing Fees and Expenses (annual charges). Once a Supplement is effective, it will remain in effect until it is superseded at any time when we publish a new Supplement. This Supplement has no specified end date. If we change one or more of the Benefit Terms, we will publish a new Supplement for new purchasers that will supersede this Supplement. We will publish any changes to the Benefit Terms at least seven calendar days before they take effect on our website and on EDGAR at www.sec.gov under Form N-4 File Number 333-267463.
To confirm the most current Benefit Terms, Index Linked Variable Income Benefit Supplements are available by contacting the Prudential Annuity Service Center at 1-888-PRU-2888 or online at www.prudential.com/personal/annuities/annuity-prospectuses.
The Benefit Terms below apply for applications signed* on or after October 1, 2024 until a new Index Linked Variable Income Benefit Supplement is published with updated Benefit Terms.
*Please Note: In order for you to receive the Benefit Terms reflected in this Supplement, your Annuity application must be signed on or after the date set forth above and before new Benefit Terms are established through a new Supplement. From the date you sign your Annuity application, we must also receive that paperwork in Good Order within 15 calendar days, and the new Annuity must be issued within 45 calendar days of the date the application was signed. If these conditions are not met, and you decide to proceed with the purchase of the Annuity, you will receive the Benefit Terms that are in effect on your Issue Date. Under certain circumstances we may waive these conditions or extend these time periods in a nondiscriminatory manner.
| Waiting Period | 1 Year from Index Effective Date** |
| Benefit Charge | 1.60% Annually |
**Subject to state approval.
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Income Percentages and Income Deferral Rates
The applicable Income Percentage and Income Deferral Rate is based on the attained age of the Protected Life (or younger of the Joint Protected Lives) on the Index Effective Date, according to the tables below:
| Age | Single Protected Life Income Percentages | Joint Protected Lives Income Percentages | Income Deferral Rates |
| 45 | 3.55% | 3.00% | 0.25% |
| 46 | 3.60% | 3.05% | 0.25% |
| 47 | 3.65% | 3.10% | 0.25% |
| 48 | 3.70% | 3.15% | 0.25% |
| 49 | 3.75% | 3.20% | 0.25% |
| 50 | 3.80% | 3.25% | 0.25% |
| 51 | 3.90% | 3.35% | 0.25% |
| 52 | 4.00% | 3.45% | 0.25% |
| 53 | 4.10% | 3.55% | 0.25% |
| 54 | 4.20% | 3.65% | 0.25% |
| 55 | 4.30% | 3.75% | 0.30% |
| 56 | 4.40% | 3.85% | 0.30% |
| 57 | 4.50% | 3.95% | 0.30% |
| 58 | 4.60% | 4.05% | 0.30% |
| 59 | 4.70% | 4.15% | 0.30% |
| 60 | 4.80% | 4.25% | 0.35% |
| 61 | 4.90% | 4.35% | 0.35% |
| 62 | 5.00% | 4.45% | 0.35% |
| 63 | 5.10% | 4.55% | 0.35% |
| 64 | 5.20% | 4.65% | 0.35% |
| 65 | 5.30% | 4.75% | 0.40% |
| 66 | 5.40% | 4.85% | 0.40% |
| 67 | 5.50% | 4.95% | 0.40% |
| 68 | 5.60% | 5.05% | 0.40% |
| 69 | 5.70% | 5.15% | 0.40% |
| 70 | 5.80% | 5.25% | 0.45% |
| 71 | 5.90% | 5.35% | 0.45% |
| 72 | 6.00% | 5.45% | 0.45% |
| 73 | 6.10% | 5.55% | 0.45% |
| 74 | 6.20% | 5.65% | 0.45% |
| 75 | 6.30% | 5.75% | 0.50% |
FGINCSELRT0525-N4/ISP
Ongoing Fees and Expenses (annual charges)
| Annual Fee | Minimum | Maximum |
| Base Contract Fees |
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Investment options (Portfolio fees and expenses) |
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Optional benefits available for an additional charge (for a single optional benefit, if elected) |
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(1)
Because your Annuity is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Annuity, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals form the Annuity, which could add surrender charges that substantially increase costs. | ||
| Lowest Annual Cost | Highest Annual Cost | |
| $ |
$ |
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| Assumes: | Assumes: | |
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· Investment of $100,000 · 5% annual appreciation · Least expensive Portfolio fees and expenses · No optional benefits* · No sales charges · No additional Purchase Payments, transfers or withdrawals |
· Investment of $100,000 · 5% annual appreciation · Most expensive combination of optional benefits and Portfolio fees and expenses · No sales charges · No additional Purchase Payments, transfers or withdrawals |
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| * The Index Linked Variable Income Benefit is not optional. Therefore it is included in the determination of the Lowest Annual Cost. | ||
THIS SUPPLEMENT SHOULD BE READ AND RETAINED FOR FUTURE REFERENCE
FGINCSELRT0525-N4/ISP