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P-RID-RILA-I-ROP(10/21) 1  PRUCO LIFE INSURANCE COMPANY, PHOENIX, ARIZONA      RETURN OF PURCHASE PAYMENTS DEATH BENEFIT RIDER    ANNUITY NUMBER: [001-00001]    EFFECTIVE DATE: [Contract Issue Date]    This Rider is made part of your Annuity.  For purposes of this Rider, certain provisions of your Annuity are  amended as described below.  If the terms of your Annuity and those of this Rider conflict, the provisions  of this Rider shall control.  Should this Rider terminate, any amended or replaced Annuity provisions  based on this Rider’s terms will revert to the provisions in the Annuity, except as may be provided below.    This Rider will terminate upon assignment or a change in ownership of your Annuity unless the  new assignee or Owner meets the qualifications specified in the Termination provision. This Rider  may not be re-elected after it terminates. The benefit provided pursuant to the terms of this Rider is a  “Return of Purchase Payments Death Benefit."  This Rider should be read in conjunction with any other  Rider or Endorsement made a part of your Annuity.     Definitions:      Advisory Fees:  Deductions permitted to be taken from your Annuity to pay your investment advisor for  investment advice related to the Annuity up to the Standard Advisory Fee Percentage of [1.50%]. Advisory  Fees will not reduce the Return of Purchase Payment Amount. Advisory Fees reduce your Account Value by  the amount of the Advisory Fee and, unless we receive instructions from you prior to the Advisory Fee  deduction, we will take the Advisory Fee first from the Variable Sub-Accounts in which your Account Value is  allocated on a pro-rata basis. Once the Account Value in all Variable Sub-Accounts has been depleted, we  will deduct any remaining Advisory Fee from the Index Strategy(ies) in which you have Account Value  allocated on a pro-rata basis.  The Index Strategy Base is reduced for any Advisory Fees that occur between  the Index Strategy Start Date and the Index Strategy End Date in the same proportion that the total Advisory  Fee amount reduces the Interim Value.      Purchase Payment(s):  A cash consideration in the currency of the United States of America given to us  in exchange for the rights, privileges and benefits outlined in this Annuity reduced for any applicable fees,  charges or Tax Charges.    Withdrawals:  Withdrawals of any type (including Partial Withdrawals but not including Advisory Fees)  before the application of any Contingent Deferred Sales Charge or other charge applicable upon a  Withdrawal.    Death Benefit: If we receive Due Proof of Death within a period of [1 year], beginning on the decedent’s  date of death, the Death Benefit of the Annuity equals the greater of (a) and (b), where:    (a) is the “Return of Purchase Payments Amount” described below; and    (b) is the Account Value as described in the “Death Benefit” section of the Annuity.    If we do not receive Due Proof of Death within a period of [1 year], beginning on the decedent’s date of  death, the Death Benefit of the Annuity equals (b) above.  We reserve the right to waive or extend, on a  non-discriminatory basis, our right to enforce the Due Proof of Death period.  This right will only apply for  purposes of determining the amount payable as a Death Benefit, and in no way restricts when a claim  may be filed.    Return of Purchase Payments Amount:  Initially, this is an amount equal to the initial Purchase  Payment on the Effective Date of this Rider.  Thereafter, on each Valuation Day, up to and including the  date we receive Due Proof of Death, the Return of Purchase Payments Amount is increased by the  amount of any additional Purchase Payments allocated to the Annuity on that day and reduced for any  Withdrawal(s) by the ratio of the Withdrawal amount to the Account Value immediately prior to the  Withdrawal.     





 






P-RID-RILA-I-ROP(10/21) 2  Other Death Benefit Provisions:  The provisions applicable to the Death Benefit described in your  Annuity regarding eligibility, limits of applicability, methods of payment to Beneficiaries or any other  provision regarding the Death Benefit, other than the method of calculation of the Death Benefit, continue  to apply unless specifically indicated otherwise in this Rider.    Spousal Continuation:  If the Annuity is eligible for Spousal Continuation and Spousal Continuation  occurs, upon Spousal Continuation the Account Value is increased, if necessary, to equal the greater of  the (1) Return of  Purchase Payments Amount and (2) the Death Benefit described in the Annuity. Any  increase to the Account Value resulting from such adjustment will be allocated to the Variable Sub- Accounts pro-rata or to the Holding Account if there is no Account Value in the Variable Sub-Accounts.   The spouse who continues the Annuity may transfer available Account Value to any of the Variable Sub- Accounts at any time or to a new Index Strategy on the next Index Anniversary Date.   Following Spousal Continuation, any subsequent Death Benefit will be equal to the Account Value,  including any increase described above.    Termination of this Rider and its Benefits:  Benefits pursuant to this Rider will terminate upon the first  to occur of the following events:    1) the date the Annuity’s Death Benefit is determined, unless the Annuity is eligible for Spousal  Continuation and Spousal Continuation is elected;    2) we process a request to change the Owner(s) (or Annuitant if entity owned) more than 60 days  after the Effective Date, resulting in a change in the person(s) upon whose death a Death Benefit  is determined, other than when the Annuity is jointly owned and one of the Owners remains the  Owner;    3) we process an assignment of the Annuity to which this Rider is made a part;    4) if there is then any Account Value on the Annuity Date, or if earlier, the date we transfer all  Account Value in order to begin annuity payments;    5) the date we receive your request for full surrender;     6) if your Account Value reduces to zero;        PRUCO LIFE INSURANCE COMPANY                  [ ]   Secretary