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¹ Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey, 213 Washington Street, Newark, NJ 07102, are Prudential Financial companies. Each is solely responsible for its own financial condition and contractual obligations. The policy form number is UL-2010 and can vary by state.

² Excessively funding your policy can cause it to become a modified endowment contract (MEC). Distributions from a MEC (including loans and withdrawals within two years prior to your policy becoming a MEC) are taxed less favorably than those from a policy that is not a MEC. If you take a distribution before you are 591/2, a 10% federal income tax penalty may also apply. A MEC is generally created by paying too much into the policy, but it can also occur if you make certain changes to the policy. Please see your tax advisor for details.

³ Loans are at interest and will void any guarantee against lapse; withdrawals may also impact the length of the guarantee, depending on the amount taken and premiums paid. Taking loans or withdrawals reduces the death benefit and cash value, may make it necessary for you to pay more into the policy than you originally anticipated, and could trigger an unexpected taxable event.

⁴ The Living Needs Benefit is an accelerated death benefit and is not a health, nursing home, or long-term care insurance benefit and is not designed to eliminate the need for insurance of these types. There is no charge for this rider but, when a claim is paid under this rider, the death benefit is reduced for early payment, and a $150 processing fee is deducted. If more than one policy is used for the claim, each policy will have a processing fee of up to $150. Portions of the Living Needs Benefit payment may be taxable, and receiving an accelerated death benefit may affect your eligibility for public assistance programs. The federal income tax treatment of payments made under this rider depends upon whether the insured is the recipient of the benefit and is considered "terminally ill” or "chronically ill.” We suggest that you seek assistance from a personal tax advisor regarding the implications of receiving Living Needs Benefit payments. This rider is not available in Minnesota to new purchasers over age 65 until the policy has been in force for one year, and the nursing home option is not available in New York or the District of Columbia. This rider is not available in Connecticut, Massachusetts, and Washington state and is currently not available in Florida on Return of Premium Term, on Universal Protector, Universal Plus, or VUL Protector. In Oregon, term policies must include the waiver of premium benefit to be eligible for this rider.

Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your licensed financial professional can provide you with costs and complete details. This material is designed to provide general information about PruLife^® Universal Plus and is not a contract. This brochure is not intended to provide legal or tax advice. Consult your own professional advisors on how this product and its features may benefit your particular situation and how best to utilize any such product. Any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code.

Prudential, Prudential Financial, the Rock logo, and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America, Newark, NJ and its affiliates.

Securities and Insurance Products: Not Insured by FDIC or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by Any Bank or Bank Affiliate.

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