# EDGAR Filing Document

**Accession Number:** 0000741313
**File Stem:** 0000741313-25-000188
**Filing Date:** 2025-8
**Character Count:** 862921
**Document Hash:** a5aa6197cd71b4efac7715ca135d7014
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000741313-25-000188.hdr.sgml**: 20250819

**ACCESSION NUMBER**: 0000741313-25-000188

**CONFORMED SUBMISSION TYPE**: N-6/A

**PUBLIC DOCUMENT COUNT**: 33

**CONFORMED PERIOD OF REPORT**: 20250818

**FILED AS OF DATE**: 20250819

**DATE AS OF CHANGE**: 20250818

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT
- **CENTRAL INDEX KEY:** 0000741313

**ORGANIZATION NAME:**
- **EIN:** 222426091
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-6/A
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-03974
- **FILM NUMBER:** 251229271

**BUSINESS ADDRESS:**
- **STREET 1:** PRUCO LIFE INSURANCE CO OF NEW JERSEY
- **STREET 2:** 213 WASHINGTON STREET
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102
- **BUSINESS PHONE:** 860-534-6087

**MAIL ADDRESS:**
- **STREET 1:** PRUCO LIFE INSURANCE CO OF NEW JERSEY
- **STREET 2:** 213 WASHINGTON STREET
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT
- **CENTRAL INDEX KEY:** 0000741313

**ORGANIZATION NAME:**
- **EIN:** 222426091
- **STATE OF INCORPORATION:** NJ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-6/A
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-286564
- **FILM NUMBER:** 251229270

**BUSINESS ADDRESS:**
- **STREET 1:** PRUCO LIFE INSURANCE CO OF NEW JERSEY
- **STREET 2:** 213 WASHINGTON STREET
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102
- **BUSINESS PHONE:** 860-534-6087

**MAIL ADDRESS:**
- **STREET 1:** PRUCO LIFE INSURANCE CO OF NEW JERSEY
- **STREET 2:** 213 WASHINGTON STREET
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102

## Series and Classes Contracts Data

### PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT (Series ID: S000000719)

| Class ID   | Class Name                                    | Ticker Symbol   |
|:---|:---|:---|
| C000261760 | Pruco Life of New Jersey VUL Protector (2025) |  |

?xml version='1.0' encoding='ASCII'? ck0000741313-20250818

---

| | |
|:---|:---|
| **As filed with the SEC on <u>August 18, 2025</u> .**  | **Registration Nos. 333-286564** |
| **811-03974** | **811-03974** |
| **UNITED STATES SECURITIES AND EXCHANGE COMMISSION** | **UNITED STATES SECURITIES AND EXCHANGE COMMISSION** |
| **Washington, D.C. 20549** | **Washington, D.C. 20549** |
| **FORM** | **N-6** |
| **FOR REGISTRATION UNDER THE SECURITIES ACT OF 1933** | **FOR REGISTRATION UNDER THE SECURITIES ACT OF 1933** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pre-Effective Amendment No. <u>_2_</u> | &nbsp;&nbsp;&nbsp;&nbsp;**☑** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Post-Effective Amendment No. ___ | &nbsp;&nbsp;&nbsp;&nbsp;**☐** |
| and/or | and/or |
| **REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940** | **REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amendment No. <u>263</u>  | &nbsp;&nbsp;&nbsp;&nbsp;**☑** |
| <u>(Check appropriate box or boxes.)</u> | <u>(Check appropriate box or boxes.)</u> |
| **PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT** | **PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT** |
| (Exact Name of Registrant) | (Exact Name of Registrant) |
| **PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY** | **PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY** |
| (Name of Depositor) | (Name of Depositor) |
| **213 Washington Street** | **213 Washington Street** |
| **Newark, New Jersey 07102** | **Newark, New Jersey 07102** |
| **800-778-2255** | **800-778-2255** |
| (Address and telephone number of principal executive offices) | (Address and telephone number of principal executive offices) |
| <u>_____________</u> | <u>_____________</u> |
| **Amy M. Woltman** | **Amy M. Woltman** |
| **Pruco Life Insurance Company of New Jersey** | **Pruco Life Insurance Company of New Jersey** |
| **751 Broad Street** | **751 Broad Street** |
| **Newark, New Jersey 07102** | **Newark, New Jersey 07102** |
| (Name and address of agent for service) | (Name and address of agent for service) |
| Copies to: | Copies to: |
| **Christopher J. Madin** | **Christopher J. Madin** |
| **Vice President and Corporate Counsel** | **Vice President and Corporate Counsel** |
| **Pruco Life Insurance Company of New Jersey** | **Pruco Life Insurance Company of New Jersey** |
| **280 Trumbull Street** | **280 Trumbull Street** |
| **Hartford, Connecticut 06103** | **Hartford, Connecticut 06103** |
| <u>_____________</u> | <u>_____________</u> |
| Approximate Date of Proposed Public Offering: ___ | Approximate Date of Proposed Public Offering: ___ |
| **It is proposed that this filing will become effective (check appropriate space):** | **It is proposed that this filing will become effective (check appropriate space):** |
| **☐** immediately upon filing pursuant to paragraph (b) of rule 485 | **☐** immediately upon filing pursuant to paragraph (b) of rule 485 |
| **☐** on <u>(date)</u> pursuant to paragraph (b) of rule 485 | **☐** on <u>(date)</u> pursuant to paragraph (b) of rule 485 |
| **☐** 60 days after filing pursuant to paragraph (a)(1) of rule 485 | **☐** 60 days after filing pursuant to paragraph (a)(1) of rule 485 |
| **☐** on <u>(date)</u> pursuant to paragraph (a)(1) of rule 485 under the Securities Act. | **☐** on <u>(date)</u> pursuant to paragraph (a)(1) of rule 485 under the Securities Act. |
| **If appropriate, check the following box:** |  |
| **☐** This Post-Effective Amendment designates a new effective date for a previously filed Post-Effective Amendment. | **☐** This Post-Effective Amendment designates a new effective date for a previously filed Post-Effective Amendment. |

---

------

Variable Universal Life Insurance Contracts - Pursuant to Rule 24f-2 under the Investment Company Act of 1940, the Registrant elects to register an indefinite amount of securities.

Approximate date of proposed public offering: As soon as practicable after the effective date of this Registration Statement.

This filing is being made pursuant to Rules 6c-3 and 6e-3(T) under the Investment Company Act of 1940.

------

PROSPECTUS

**August 18, 2025**

***VUL Protector®*** 

AN INDIVIDUAL, FLEXIBLE PREMIUM, VARIABLE UNIVERSAL LIFE INSURANCE CONTRACT

*Issued by*

**PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY**

**213 WASHINGTON STREET**

**NEWARK, NEW JERSEY 07102**

**TELEPHONE: 800-778-2255**

*With Variable Investment Options offered through its* 

**PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT**

*The* ***VUL Protector®*** *Contract (2025) is offered on or after August 18, 2025, under form number VULPR-2025. A state and/or other code may follow the form number. Your Contract's form number is located in the lower left-hand corner of the first page of your Contract.*

This prospectus describes the ***VUL Protector®*** Contract (2025) (the "Contract") offered by Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey", "us", "we", or "our"), a stock life insurance company. Pruco Life of New Jersey is an indirect, wholly owned subsidiary of The Prudential Insurance Company of America ("Prudential").

**Please read this prospectus before purchasing a *VUL Protector®* (2025) Contract and keep it for future reference.** Capitalized terms used in this prospectus are defined where first used or in the **GLOSSARY: Definitions Of Special Terms Used In This Prospectus**.

Generally, you (the "Contract Owner") may choose to invest your Contract's premiums and its earnings in one or more of the available Variable Investment Options of the Pruco Life of New Jersey Variable Appreciable Account (the "Separate Account" or "Account"). The Account offers a wide variety of Variable Investment Options from the firms listed below. A complete list of the available Funds is included in this prospectus.

---

| | | |
|:---|:---|:---|
| **Advanced Series Trust** | **Fidelity® Investments** | **Putnam** |
| **American Funds®** | **Franklin Templeton®**  | **T. Rowe Price** |
| **ClearBridge** | **MFS**®  | **TOPS – The Optimized Portfolio System®** |
| | **Prudential**  | |

---

Generally, you may also choose to invest your Contract's premiums and its earnings in the Fixed Rate Option, which pays a guaranteed interest rate.

If you are a new investor in the Contract, you may cancel your Contract within 10 days of receiving it without paying fees or penalties. You should review this prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

In compliance with U.S. law, Pruco Life of New Jersey delivers this prospectus to Contract Owners that currently reside outside of the United States. In addition, we may not market or offer benefits, features, or enhancements to prospective or current Contract Owners while outside of the United States.

Additional information about certain investment products, including variable life insurance, has been prepared by the Securities and Exchange Commission's ("SEC") staff and is available at www.Investor.gov.

**Neither the SEC nor any state securities commission has approved or disapproved of these securities or determined that this Contract is a good investment, nor has the SEC determined that this prospectus is complete or accurate. It is a criminal offense to state otherwise.**

**The Contract may be purchased through registered representatives located in banks and other financial institutions. Investment in a variable life insurance contract is subject to risk, including the possible loss of your money. An investment in *VUL Protector®*** **is not a bank deposit and is not insured by the Federal Deposit Insurance Corporation ("FDIC") or any other governmental agency.**

------

(This page is intentionally left blank.)

------

**TABLE OF CONTENTS** 

---

| | |
|:---|:---|
| | **Page** |
| **<u>[KEY INFORMATION](#ib777c280a4234d5d899e88fe20f471f5_13)</u>** | **<u>[1](#ib777c280a4234d5d899e88fe20f471f5_13)</u>** |
| **<u>[OVERVIEW OF THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_19)</u>** | **<u>[3](#ib777c280a4234d5d899e88fe20f471f5_19)</u>** |
| **<u>[FEE TABLE](#ib777c280a4234d5d899e88fe20f471f5_22)</u>** | **<u>[4](#ib777c280a4234d5d899e88fe20f471f5_22)</u>** |
| **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_28)</u>** | **<u>[6](#ib777c280a4234d5d899e88fe20f471f5_28)</u>** |
| **<u>[GENERAL DESCRIPTIONS OF THE DEPOSITOR, THE REGISTRANT, AND THE FUNDS](#ib777c280a4234d5d899e88fe20f471f5_31)</u>** | **<u>[7](#ib777c280a4234d5d899e88fe20f471f5_31)</u>** |
| <u>[Pruco Life Insurance Company of New Jersey](#ib777c280a4234d5d899e88fe20f471f5_34)</u> | <u>[7](#ib777c280a4234d5d899e88fe20f471f5_34)</u> |
| <u>[The Pruco Life of New Jersey Variable Appreciable Account](#ib777c280a4234d5d899e88fe20f471f5_37)</u> | <u>[7](#ib777c280a4234d5d899e88fe20f471f5_37)</u> |
| <u>[The Funds](#ib777c280a4234d5d899e88fe20f471f5_40)</u> | <u>[7](#ib777c280a4234d5d899e88fe20f471f5_40)</u> |
| <u>[Service Fees Payable To Pruco Life of New Jersey](#ib777c280a4234d5d899e88fe20f471f5_43)</u> | <u>[8](#ib777c280a4234d5d899e88fe20f471f5_43)</u> |
| <u>[AST Funds](#ib777c280a4234d5d899e88fe20f471f5_46)</u> | <u>[8](#ib777c280a4234d5d899e88fe20f471f5_46)</u> |
| <u>[Voting Rights](#ib777c280a4234d5d899e88fe20f471f5_49)</u> | <u>[9](#ib777c280a4234d5d899e88fe20f471f5_49)</u> |
| <u>[Substitution Of Variable Investment Options](#ib777c280a4234d5d899e88fe20f471f5_52)</u> | <u>[9](#ib777c280a4234d5d899e88fe20f471f5_52)</u> |
| <u>[The Fixed Rate Option](#ib777c280a4234d5d899e88fe20f471f5_55)</u> | <u>[9](#ib777c280a4234d5d899e88fe20f471f5_55)</u> |
| **<u>[CHARGES AND EXPENSES](#ib777c280a4234d5d899e88fe20f471f5_58)</u>** | **<u>[10](#ib777c280a4234d5d899e88fe20f471f5_58)</u>** |
| <u>[Premium Charge](#ib777c280a4234d5d899e88fe20f471f5_61)</u> | <u>[10](#ib777c280a4234d5d899e88fe20f471f5_61)</u> |
| <u>[Surrender Charge](#ib777c280a4234d5d899e88fe20f471f5_67)</u> | <u>[10](#ib777c280a4234d5d899e88fe20f471f5_67)</u> |
| <u>[Cost Of Insurance](#ib777c280a4234d5d899e88fe20f471f5_70)</u> | <u>[11](#ib777c280a4234d5d899e88fe20f471f5_70)</u> |
| <u>[Administrative Charge For Basic Insurance Amount](#ib777c280a4234d5d899e88fe20f471f5_73)</u> | <u>[11](#ib777c280a4234d5d899e88fe20f471f5_73)</u> |
| <u>[Mortality And Expense Risk Charge](#ib777c280a4234d5d899e88fe20f471f5_76)</u> | <u>[12](#ib777c280a4234d5d899e88fe20f471f5_76)</u> |
| <u>[Additional Mortality Charge For Certain Risks](#ib777c280a4234d5d899e88fe20f471f5_79)</u> | <u>[12](#ib777c280a4234d5d899e88fe20f471f5_79)</u> |
| <u>[Transaction Charges](#ib777c280a4234d5d899e88fe20f471f5_82)</u> | <u>[12](#ib777c280a4234d5d899e88fe20f471f5_82)</u> |
| <u>[Charges For Rider Coverage](#ib777c280a4234d5d899e88fe20f471f5_85)</u> | <u>[12](#ib777c280a4234d5d899e88fe20f471f5_85)</u> |
| <u>[Net Interest On Loans](#ib777c280a4234d5d899e88fe20f471f5_88)</u> | <u>[12](#ib777c280a4234d5d899e88fe20f471f5_88)</u> |
| <u>[Fund Expenses](#ib777c280a4234d5d899e88fe20f471f5_91)</u> | <u>[13](#ib777c280a4234d5d899e88fe20f471f5_91)</u> |
| <u>[Allocated Charges](#ib777c280a4234d5d899e88fe20f471f5_94)</u> | <u>[13](#ib777c280a4234d5d899e88fe20f471f5_94)</u> |
| <u>[Charges After Age 121](#ib777c280a4234d5d899e88fe20f471f5_97)</u> | <u>[13](#ib777c280a4234d5d899e88fe20f471f5_97)</u> |
| <u>[Commissions Paid To Broker-Dealers](#ib777c280a4234d5d899e88fe20f471f5_100)</u> | <u>[13](#ib777c280a4234d5d899e88fe20f471f5_100)</u> |
| **<u>[PERSONS HAVING RIGHTS UNDER THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_103)</u>** | **<u>[13](#ib777c280a4234d5d899e88fe20f471f5_103)</u>** |
| <u>[Contract Owner](#ib777c280a4234d5d899e88fe20f471f5_106)</u> | <u>[13](#ib777c280a4234d5d899e88fe20f471f5_106)</u> |
| <u>[Beneficiary](#ib777c280a4234d5d899e88fe20f471f5_109)</u> | <u>[13](#ib777c280a4234d5d899e88fe20f471f5_109)</u> |
| **<u>[OTHER GENERAL CONTRACT PROVISIONS](#ib777c280a4234d5d899e88fe20f471f5_112)</u>** | **<u>[14](#ib777c280a4234d5d899e88fe20f471f5_112)</u>** |
| <u>[Canceling the Contract](#ib777c280a4234d5d899e88fe20f471f5_115)</u> | <u>[14](#ib777c280a4234d5d899e88fe20f471f5_115)</u> |
| <u>[Assignment](#ib777c280a4234d5d899e88fe20f471f5_118)</u> | <u>[14](#ib777c280a4234d5d899e88fe20f471f5_115)</u> |
| <u>[Incontestability](#ib777c280a4234d5d899e88fe20f471f5_121)</u> | <u>[14](#ib777c280a4234d5d899e88fe20f471f5_121)</u> |
| <u>[Misstatement Of Age Or Sex](#ib777c280a4234d5d899e88fe20f471f5_124)</u> | <u>[14](#ib777c280a4234d5d899e88fe20f471f5_124)</u> |
| <u>[Suicide Exclusion](#ib777c280a4234d5d899e88fe20f471f5_127)</u> | <u>[14](#ib777c280a4234d5d899e88fe20f471f5_127)</u> |
| **<u>[STANDARD DEATH BENEFITS](#ib777c280a4234d5d899e88fe20f471f5_130)</u>** | **<u>[14](#ib777c280a4234d5d899e88fe20f471f5_130)</u>** |
| <u>[Types Of Death Benefit](#ib777c280a4234d5d899e88fe20f471f5_133)</u>  | <u>[14](#ib777c280a4234d5d899e88fe20f471f5_133)</u> |
| <u>[Changing the Type Of Death Benefit](#ib777c280a4234d5d899e88fe20f471f5_136)</u> | <u>[14](#ib777c280a4234d5d899e88fe20f471f5_136)</u> |
| <u>[Decreasing the Basic Insurance Amount](#ib777c280a4234d5d899e88fe20f471f5_139)</u> | <u>[15](#ib777c280a4234d5d899e88fe20f471f5_139)</u> |
| <u>[Death Claim Settlement Options](#ib777c280a4234d5d899e88fe20f471f5_142)</u> | <u>[15](#ib777c280a4234d5d899e88fe20f471f5_142)</u> |
| <u>[When Death Benefit Proceeds Are Paid](#ib777c280a4234d5d899e88fe20f471f5_145)</u> | <u>[15](#ib777c280a4234d5d899e88fe20f471f5_145)</u> |
| **<u>[OTHER BENEFITS AVAILABLE UNDER THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_148)</u>** | **<u>[15](#ib777c280a4234d5d899e88fe20f471f5_148)</u>** |
| <u>[Limited No-Lapse Guarantee](#ib777c280a4234d5d899e88fe20f471f5_151)</u> | <u>[17](#ib777c280a4234d5d899e88fe20f471f5_151)</u> |
| <u>[BenefitAccess Rider](#ib777c280a4234d5d899e88fe20f471f5_160)</u> | <u>[17](#ib777c280a4234d5d899e88fe20f471f5_160)</u> |

---

------

---

| | |
|:---|:---|
| <u>[Accidental Death Benefit Rider](#ib777c280a4234d5d899e88fe20f471f5_166)</u> | <u>[22](#ib777c280a4234d5d899e88fe20f471f5_166)</u> |
| <u>[Children Level Term Rider](#ib777c280a4234d5d899e88fe20f471f5_169)</u> | <u>[22](#ib777c280a4234d5d899e88fe20f471f5_169)</u> |
| <u>[Enhanced Disability Benefit Rider](#ib777c280a4234d5d899e88fe20f471f5_172)</u> | <u>[22](#ib777c280a4234d5d899e88fe20f471f5_172)</u> |
| <u>[Lapse Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_157)</u> | <u>[22](#ib777c280a4234d5d899e88fe20f471f5_157)</u> |
| <u>[Living Needs Benefit](#ib777c280a4234d5d899e88fe20f471f5_175)</u><sup>SM</sup><u>[Rider](#ib777c280a4234d5d899e88fe20f471f5_175)</u> | <u>[23](#ib777c280a4234d5d899e88fe20f471f5_175)</u> |
| <u>[Overloan Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_178)</u> | <u>[24](#ib777c280a4234d5d899e88fe20f471f5_178)</u> |
| **<u>[REQUIREMENTS FOR ISSUANCE OF A CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_181)</u>** | **<u>[24](#ib777c280a4234d5d899e88fe20f471f5_181)</u>** |
| <u>[Underwriting Procedures](#ib777c280a4234d5d899e88fe20f471f5_184)</u> | <u>[25](#ib777c280a4234d5d899e88fe20f471f5_184)</u> |
| <u>[Contract Date](#ib777c280a4234d5d899e88fe20f471f5_187)</u> | <u>[25](#ib777c280a4234d5d899e88fe20f471f5_187)</u> |
| **<u>[PREMIUMS](#ib777c280a4234d5d899e88fe20f471f5_190)</u>** | **<u>[25](#ib777c280a4234d5d899e88fe20f471f5_190)</u>** |
| <u>[Minimum Initial Premium](#ib777c280a4234d5d899e88fe20f471f5_193)</u> | <u>[25](#ib777c280a4234d5d899e88fe20f471f5_193)</u> |
| <u>[Available Types Of Premium](#ib777c280a4234d5d899e88fe20f471f5_196)</u> | <u>[25](#ib777c280a4234d5d899e88fe20f471f5_196)</u> |
| <u>[Premium Allocation And Limitations](#ib777c280a4234d5d899e88fe20f471f5_199)</u> | <u>[26](#ib777c280a4234d5d899e88fe20f471f5_199)</u> |
| <u>[Processing And Valuing Transactions](#ib777c280a4234d5d899e88fe20f471f5_202)</u>  | <u>[26](#ib777c280a4234d5d899e88fe20f471f5_202)</u> |
| <u>[Transfers And Restrictions On Transfers](#ib777c280a4234d5d899e88fe20f471f5_205)</u> | <u>[27](#ib777c280a4234d5d899e88fe20f471f5_205)</u> |
| <u>[Dollar Cost Averaging](#ib777c280a4234d5d899e88fe20f471f5_208)</u> | <u>[28](#ib777c280a4234d5d899e88fe20f471f5_208)</u> |
| <u>[Auto-Rebalancing](#ib777c280a4234d5d899e88fe20f471f5_211)</u> | <u>[28](#ib777c280a4234d5d899e88fe20f471f5_211)</u> |
| **<u>[CONTRACT VALUES](#ib777c280a4234d5d899e88fe20f471f5_214)</u>** | **<u>[28](#ib777c280a4234d5d899e88fe20f471f5_214)</u>** |
| <u>[How a Contract's Cash Surrender Value Will Vary](#ib777c280a4234d5d899e88fe20f471f5_217)</u> | <u>[29](#ib777c280a4234d5d899e88fe20f471f5_217)</u> |
| <u>[Persistency Credit](#ib777c280a4234d5d899e88fe20f471f5_220)</u> | <u>[29](#ib777c280a4234d5d899e88fe20f471f5_220)</u> |
| <u>[Loans](#ib777c280a4234d5d899e88fe20f471f5_223)</u> | <u>[29](#ib777c280a4234d5d899e88fe20f471f5_223)</u> |
| <u>[Withdrawals](#ib777c280a4234d5d899e88fe20f471f5_226)</u> | <u>[30](#ib777c280a4234d5d899e88fe20f471f5_226)</u> |
| <u>[Surrender Of a Contract](#ib777c280a4234d5d899e88fe20f471f5_229)</u> | <u>[31](#ib777c280a4234d5d899e88fe20f471f5_229)</u> |
| <u>[When Proceeds Are Paid](#ib777c280a4234d5d899e88fe20f471f5_232)</u> | <u>[31](#ib777c280a4234d5d899e88fe20f471f5_232)</u> |
| **<u>[LAPSE AND REINSTATEMENT](#ib777c280a4234d5d899e88fe20f471f5_235)</u>** | **<u>[31](#ib777c280a4234d5d899e88fe20f471f5_235)</u>** |
| **<u>[TAXES](#ib777c280a4234d5d899e88fe20f471f5_238)</u>** | **<u>[31](#ib777c280a4234d5d899e88fe20f471f5_238)</u>** |
| <u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u> | <u>[32](#ib777c280a4234d5d899e88fe20f471f5_241)</u> |
| <u>[Company Taxes](#ib777c280a4234d5d899e88fe20f471f5_244)</u> | <u>[34](#ib777c280a4234d5d899e88fe20f471f5_244)</u> |
| **<u>[DISTRIBUTION AND COMPENSATION](#ib777c280a4234d5d899e88fe20f471f5_247)</u>** | **<u>[34](#ib777c280a4234d5d899e88fe20f471f5_247)</u>** |
| **<u>[LEGAL PROCEEDINGS](#ib777c280a4234d5d899e88fe20f471f5_250)</u>** | **<u>[36](#ib777c280a4234d5d899e88fe20f471f5_250)</u>** |
| **<u>[FINANCIAL STATEMENTS](#ib777c280a4234d5d899e88fe20f471f5_253)</u>** | **<u>[36](#ib777c280a4234d5d899e88fe20f471f5_253)</u>** |
| **<u>[ADDITIONAL INFORMATION](#ib777c280a4234d5d899e88fe20f471f5_256)</u>** | **<u>[36](#ib777c280a4234d5d899e88fe20f471f5_256)</u>** |
| **<u>[APPENDIX A: Funds Available Under the Contract](#ib777c280a4234d5d899e88fe20f471f5_259)</u>**  | **A-<u>[i](#ib777c280a4234d5d899e88fe20f471f5_259)</u>** |
| **<u>[GLOSSARY: Definitions Of Special Terms Used In This Prospectus](#ib777c280a4234d5d899e88fe20f471f5_265)</u>** | **B-<u>[i](#ib777c280a4234d5d899e88fe20f471f5_265)</u>** |

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

**KEY INFORMATION**

*Important Information You Should Consider About the Contract*

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| | | | |
|:---|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| **Charges For Early Withdrawals** | There is no charge to withdraw money from the Contract. However, if within the first 14 Contract Years your Contract is surrendered, lapses, or you reduce the Basic Insurance Amount, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $3.53 to $43.15 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $4,315.00. Please also refer to the **<u>[Surrender Charge](#ib777c280a4234d5d899e88fe20f471f5_67)</u>** subsection of this prospectus.  | There is no charge to withdraw money from the Contract. However, if within the first 14 Contract Years your Contract is surrendered, lapses, or you reduce the Basic Insurance Amount, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $3.53 to $43.15 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $4,315.00. Please also refer to the **<u>[Surrender Charge](#ib777c280a4234d5d899e88fe20f471f5_67)</u>** subsection of this prospectus.  | There is no charge to withdraw money from the Contract. However, if within the first 14 Contract Years your Contract is surrendered, lapses, or you reduce the Basic Insurance Amount, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $3.53 to $43.15 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $4,315.00. Please also refer to the **<u>[Surrender Charge](#ib777c280a4234d5d899e88fe20f471f5_67)</u>** subsection of this prospectus.  |
| **Transaction Charges** | In addition to a surrender charge, you may also be charged for other transactions. Such charges include premium charges, transfer fees, withdrawal fees, and fees for decreases in the Basic Insurance Amount. Premiums that exceed the Sales Load Target Premium set forth in your Contract may be subjected to higher premium charges. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#ib777c280a4234d5d899e88fe20f471f5_22)</u>** and **<u>[CHARGES AND EXPENSES](#ib777c280a4234d5d899e88fe20f471f5_58)</u>** sections of this prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include premium charges, transfer fees, withdrawal fees, and fees for decreases in the Basic Insurance Amount. Premiums that exceed the Sales Load Target Premium set forth in your Contract may be subjected to higher premium charges. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#ib777c280a4234d5d899e88fe20f471f5_22)</u>** and **<u>[CHARGES AND EXPENSES](#ib777c280a4234d5d899e88fe20f471f5_58)</u>** sections of this prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include premium charges, transfer fees, withdrawal fees, and fees for decreases in the Basic Insurance Amount. Premiums that exceed the Sales Load Target Premium set forth in your Contract may be subjected to higher premium charges. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#ib777c280a4234d5d899e88fe20f471f5_22)</u>** and **<u>[CHARGES AND EXPENSES](#ib777c280a4234d5d899e88fe20f471f5_58)</u>** sections of this prospectus.  |
| **Ongoing Fees And Expenses**  | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: |
| **Ongoing Fees And Expenses**  | **Annual Fee** | **Minimum** | **Maximum** |
| **Ongoing Fees And Expenses**  | Investment options<br>(Fund fees and expenses) | 0.29% | 2.09% |
| **Ongoing Fees And Expenses**  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#ib777c280a4234d5d899e88fe20f471f5_22)</u>** section of this prospectus and **<u>[APPENDIX A](#ib777c280a4234d5d899e88fe20f471f5_259)</u>**, which is part of this prospectus.  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#ib777c280a4234d5d899e88fe20f471f5_22)</u>** section of this prospectus and **<u>[APPENDIX A](#ib777c280a4234d5d899e88fe20f471f5_259)</u>**, which is part of this prospectus.  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#ib777c280a4234d5d899e88fe20f471f5_22)</u>** section of this prospectus and **<u>[APPENDIX A](#ib777c280a4234d5d899e88fe20f471f5_259)</u>**, which is part of this prospectus.  |
| **RISKS** | **RISKS** | **RISKS** | **RISKS** |
| **Risk Of Loss** | You can lose money by investing in the Contract. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_28)</u>** section of this prospectus. | You can lose money by investing in the Contract. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_28)</u>** section of this prospectus. | You can lose money by investing in the Contract. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_28)</u>** section of this prospectus. |
| **Not a Short-Term Investment** | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_28)</u>** section of this prospectus. | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_28)</u>** section of this prospectus. | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_28)</u>** section of this prospectus. |
| **Risks Associated With Investment Options** | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **<u>[The Funds](#ib777c280a4234d5d899e88fe20f471f5_40)</u>** subsection of this prospectus. | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **<u>[The Funds](#ib777c280a4234d5d899e88fe20f471f5_40)</u>** subsection of this prospectus. | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **<u>[The Funds](#ib777c280a4234d5d899e88fe20f471f5_40)</u>** subsection of this prospectus. |
| **Insurance Company Risks** | An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **<u>[GENERAL DESCRIPTIONS OF THE DEPOSITOR, THE REGISTRANT, AND THE FUNDS](#ib777c280a4234d5d899e88fe20f471f5_31)</u>** section of this prospectus. | An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **<u>[GENERAL DESCRIPTIONS OF THE DEPOSITOR, THE REGISTRANT, AND THE FUNDS](#ib777c280a4234d5d899e88fe20f471f5_31)</u>** section of this prospectus. | An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **<u>[GENERAL DESCRIPTIONS OF THE DEPOSITOR, THE REGISTRANT, AND THE FUNDS](#ib777c280a4234d5d899e88fe20f471f5_31)</u>** section of this prospectus. |
| **Contract Lapse** | Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made or it remains in force under the Limited No-Lapse Guarantee or Lapse Protection Rider (if selected). The Contract is in default if the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less. The Contract will also be in default if, at any time, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge, unless it remains in force under the Overloan Protection Rider (if applicable). Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Contract to lapse.<br>A Contract that lapses may be reinstated within five years from the date of default upon the completion of certain conditions, including the submission of certain payments sufficient to bring the Contract up to date, plus a premium to cover all charges and deductions for three months from the date of reinstatement. For more information please refer to the **<u>[LAPSE AND REINSTATEMENT](#ib777c280a4234d5d899e88fe20f471f5_235)</u>** section of this prospectus. | Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made or it remains in force under the Limited No-Lapse Guarantee or Lapse Protection Rider (if selected). The Contract is in default if the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less. The Contract will also be in default if, at any time, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge, unless it remains in force under the Overloan Protection Rider (if applicable). Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Contract to lapse.<br>A Contract that lapses may be reinstated within five years from the date of default upon the completion of certain conditions, including the submission of certain payments sufficient to bring the Contract up to date, plus a premium to cover all charges and deductions for three months from the date of reinstatement. For more information please refer to the **<u>[LAPSE AND REINSTATEMENT](#ib777c280a4234d5d899e88fe20f471f5_235)</u>** section of this prospectus. | Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made or it remains in force under the Limited No-Lapse Guarantee or Lapse Protection Rider (if selected). The Contract is in default if the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less. The Contract will also be in default if, at any time, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge, unless it remains in force under the Overloan Protection Rider (if applicable). Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Contract to lapse.<br>A Contract that lapses may be reinstated within five years from the date of default upon the completion of certain conditions, including the submission of certain payments sufficient to bring the Contract up to date, plus a premium to cover all charges and deductions for three months from the date of reinstatement. For more information please refer to the **<u>[LAPSE AND REINSTATEMENT](#ib777c280a4234d5d899e88fe20f471f5_235)</u>** section of this prospectus. |

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

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| | |
|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Investments** | You may, up to 12 times each Contract Year, transfer amounts among the Variable Investment Options or to the Fixed Rate Option. Additional transfers may be made only with our consent. Generally, only one transfer from the Fixed Rate Option will be permitted during each Contract Year. The maximum amount per Contract Year you may transfer out of the Fixed Rate Option each year is the greatest of: (a) 25% of the amount in the Fixed Rate Option; (b) $5,000; and (c) the amount transferred from the Fixed Rate Option to the Variable Investment Options in the prior Contract Year (if applicable). Transfers may generally be made by mail, phone, fax or website. Contracts that are jointly owned or assigned generally cannot conduct transfers by phone, fax or website. We reserve the right to remove or substitute Variable Investment Options. For more information on investment and transfer restrictions, please refer to the **<u>[Transfers And Restrictions On Transfers](#ib777c280a4234d5d899e88fe20f471f5_205)</u>** subsection of this prospectus and **<u>[APPENDIX A](#ib777c280a4234d5d899e88fe20f471f5_259)</u>**.  |
| **Optional Benefits** | As a Contract Owner, you may be able to obtain extra fixed benefits, which may require additional charges. These optional insurance benefits are described in what is known as a "rider" to the Contract. Riders are generally only available at Contract issuance, unless noted otherwise.<br>Some riders may depend on the performance of the Contract Fund. Rider benefits will no longer be available if the Contract lapses and most rider benefits will no longer be available if you choose to keep the Contract in force under the Overloan Protection Rider. Some riders are not available in conjunction with other riders and other restrictions may apply. Access to investment options may be limited and restricted if certain riders are included and/or exercised. For more information on optional benefits under the Contract, please refer to the **<u>OTHER BENEFITS AVAILABLE UNDER THE CONTRACT</u>** section of this prospectus.  |
| **TAXES** | **TAXES** |
| **Tax Implications** | You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. There is no additional tax benefit if you purchase the Contract through a tax-qualified plan. Withdrawals may be subject to ordinary income tax and a 10% additional tax. For more information on tax implications relating to Contract investments, please refer to the **<u>[TAXES](#ib777c280a4234d5d899e88fe20f471f5_238)</u>** section of this prospectus. |
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **Investment Professional Compensation** | Investment professionals receive compensation for selling the Contract to investors and may have a financial incentive to offer or recommend the Contract over another investment. Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration ("firms"). The individual representative will receive all or a portion of the compensation, depending on the practice of the firm. For more information on investment professional compensation, please refer to the **<u>[DISTRIBUTION AND COMPENSATION](#ib777c280a4234d5d899e88fe20f471f5_247)</u>** section and the **<u>[Commissions Paid To Broker-Dealers](#ib777c280a4234d5d899e88fe20f471f5_100)</u>** subsection of this prospectus.  |
| **Exchanges** | Some investment professionals may have a financial incentive to offer you a contract in place of the one you already own. You should only exchange your existing life insurance contract if you determine after comparing the features, fees, and risks of both contracts, that it is preferable to purchase the contract, rather than continue to own your existing contract. For more information on exchanges, please refer to the paragraph titled **Replacement Of a Contract** in the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_28)</u>** section of this prospectus. |

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

**OVERVIEW OF THE CONTRACT**

***The following summaries provide a brief overview of the more significant aspects of the Contract. We provide more complete and detailed information in the subsequent sections of this prospectus and in the statement of additional information and Contract.***

*<u>Brief Description Of the Contract</u>*

*VUL Protector®* is a form of variable universal life insurance. A Death Benefit is paid upon the death of the insured person. Contract Owners may submit premium payments and transfer Contract values among investment options, subject to the Contract and as described in this prospectus. This Contract is designed for Contract Owners seeking benefits on a long-term basis and as such is not appropriate as a short-term investment or savings vehicle. Contract Owners should consider whether this Contract meets their financial goals, liquidity needs and investment time horizon. Clients seeking information regarding their particular investment needs should contact a financial professional.

Some Contract forms, features, riders, and/or Variable Investment Options described in this prospectus may not be available through all brokers. The Contract form number for this Contract is VULPR-2025. A state and/or other code may follow the form number. Your Contract's form number is located in the lower left hand corner of the first page of your Contract.

*<u>Premiums</u>*

The Contract offers flexibility in paying premiums. With certain exceptions, you choose the timing and the amount of premium payments. Payment of insufficient premiums may result in a lapse of the Contract. Premiums that exceed the Sales Load Target Premium may be subjected to higher sales charges. Under certain circumstances we reserve the right to refuse to accept premium payments. Please refer to the **<u>[PREMIUMS](#ib777c280a4234d5d899e88fe20f471f5_190)</u>** and **<u>[CHARGES AND EXPENSES](#ib777c280a4234d5d899e88fe20f471f5_58)</u>** sections of this prospectus.

On the later of the Contract Date and the end of the Valuation Period in which the initial premium is received, we deduct the premium charge from the initial premium. During the 10-day period following your receipt of the Contract, the remainder of the initial premium and any other net premium is allocated to the designated money market investment option available with your Contract as of the end of the Valuation Period in which it is received in Good Order at the Payment Office. The first monthly deductions are made after the remainder of the initial premium and any other net premium is allocated to the money market investment option. After the 10th day, these funds, adjusted for any investment results, are transferred out of the money market investment option and allocated according to your current premium allocation. The transfer from the money market investment option on the 10th day following receipt of the Contract is not counted as one of your free annual transfers.

Provided the Contract is neither in default, nor in force under the provisions of the Overloan Protection Rider or the terms of the BenefitAccess Rider, you may change the way in which subsequent premiums are allocated by providing your request to us in Good Order at our Service Office. Allocation changes may generally be made by mail, phone, fax or website. Contracts that are jointly owned or assigned generally cannot change premium allocations by phone, fax or website.

*<u>Contract Features</u>*

**Types Of Death Benefit** – You may choose from two types of Death Benefit options. You may change from one Death Benefit type to another, subject to limitations, and charges may apply.

• Type A (fixed): the Death Benefit is generally the Basic Insurance Amount you chose.

• Type B (variable): the Death Benefit is generally the Basic Insurance Amount, plus the value of the Contract Fund.

**Decreasing the Basic Insurance Amount** – Subject to certain limitations and charges, you have the option of decreasing the Basic Insurance Amount after the Contract is issued.

**Investment Choices** – You may choose to allocate your net premiums and earnings to one or more of the available Variable Investment Options or our Fixed Rate Option. You may change the way in which subsequent premiums are allocated. You may transfer money among your investment choices, subject to restrictions. In addition, you may use our dollar cost averaging feature or our automatic rebalancing feature. Riders may limit or restrict investment options. **Information about each Variable Investment Option available under the Contract is provided in <u>[APPENDIX A](#ib777c280a4234d5d899e88fe20f471f5_259)</u>**.

**The Contract Fund** – Your net premiums paid into the Contract are held in the Contract Fund, the value of which changes daily reflecting: (1) increases or decreases in the value of the Funds; (2) interest credited on any amounts allocated to the Fixed Rate Option; (3) interest credited on any loan; and (4) the daily asset charge for mortality and expense risks assessed against the Variable Investment Options. The Contract Fund value also changes to reflect monthly deductions, any withdrawals or accelerated benefits, and any added persistency credit.

**Death Benefit Protection** – The Contract includes at no additional cost a Limited No-Lapse Guarantee. This provides a conditional guarantee that can keep your Contract in effect regardless of investment performance or Contract Fund value during the first five Contract years.

**Riders** – Contract Owners may be eligible to select extra benefits called "riders." The charges associated with each rider are presented in the **<u>[FEE TABLE](#ib777c280a4234d5d899e88fe20f471f5_22)</u>**. Except for the Living Needs Benefit<sup>SM</sup> Rider, all riders are only available at Contract issuance. Selectable riders include:

• BenefitAccess Rider: Provides an early payment of the Death Benefit, adjusted to reflect current value, if the insured becomes Chronically Ill or Terminally Ill.

• Accidental Death Benefit Rider: Pays an additional Death Benefit if the insured's death is accidental.

• Children Level Term Rider: Provides life insurance coverage on the insured's children.

• Enhanced Disability Benefit Rider: Pays a monthly benefit amount into the Contract if the insured is totally disabled.

• Lapse Protection Rider: Provides a conditional guarantee against Contract lapse starting in the sixth Contact Year.

• Living Needs Benefit<sup>SM</sup> Rider: Provides an early payment of all or part of the Death Benefit, adjusted to reflect current value, if the insured becomes terminally ill.

• Overloan Protection Rider: Provides for protection against lapse if your outstanding loan(s), including interest, exceeds the cash value of your Contract.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

**Loans** – You may borrow money from us using your Contract as security for the loan. There is no minimum loan amount. Interest charges will apply. All loans after the 10th Contract Anniversary will be considered preferred loans and are charged a lower annual interest rate.

**Withdrawals** – Under certain circumstances and limitations, you may withdraw a part of the Contract's Cash Surrender Value without surrendering the Contract.

**Surrendering the Contract** – A Contract may be surrendered for its Cash Surrender Value while the insured is living. A surrender charge may apply.

**Canceling the Contract (Right To Cancel or "Free Look") –** Generally, you may return the Contract for a refund within 10 days after you receive it.

**FEE TABLE**

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Your Contract's data pages will provide information about the specific fees you will pay each year based on the options you have elected. For more information please refer to the **<u>[CHARGES AND EXPENSES](#ib777c280a4234d5d899e88fe20f471f5_58)</u>** section in this prospectus.

**The first table describes the fees and expenses that you will pay at the time that you buy the Contract and pay premiums, surrender or make withdrawals from the Contract, or transfer cash value between investment options.**

---

| | | | |
|:---|:---|:---|:---|
| **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** |
| **Charge** | **When Charge Is Deducted** | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge Is Deducted** | Guaranteed (Maximum) | Current |
| **Premium Charge**<sup>(1)</sup> | Deducted from premium payments. |  |  |
| Up To Sales Load Target Premium: | Deducted from premium payments. | 13.5% | 7.5% |
| In Excess Of Sales Load Target Premium: | Deducted from premium payments. | 37.5% | 10.5% |
| **Surrender Charge**<sup>(2)</sup><br>(Minimum and maximum initial per $1,000 of Basic Insurance Amount.) | Upon lapse, surrender, or decrease in Basic Insurance Amount. | From $3.53 to $43.15 | From $3.53 to $43.15 |
| Initial surrender charge for a representative Contract Owner.<sup>(3)</sup> | Upon lapse, surrender, or decrease in Basic Insurance Amount. | $31.16 | $31.16 |
| **Transfer fee** | Each transfer exceeding 12 in any Contract Year. | $25 | $0 |
| **Withdrawal fee** | Upon withdrawal. | $25 | $0 |
| **Basic Insurance Amount decrease fee** | Upon decrease in Basic Insurance Amount. | $25 | $0 |
| **Contract illustration fee** | Each illustration request exceeding one in any Contract Year. | $25 | $0 |
| **BenefitAccess Rider fee** | One-time charge when the Terminal Illness Option of the rider is exercised. | $150 | $150 |
| **Living Needs Benefit**<sup>SM</sup> **Rider fee** | When benefit is paid. | $150 | $150 |
| **Overloan Protection Rider fee**<br>(Percentage of the Contract Fund amount.) | One-time charge upon exercising the rider benefit. | 3.5% | 3.5% |

---

(1)The premium charge is deducted during the first 30 Contract Years.

(2)The surrender charge amount per $1,000 varies based on Contract duration as well as on the individual characteristics of the insured, including issue age, sex, and underwriting classification. The charge decreases to zero by the end of the 14<sup>th</sup> year.

(3)Representative insured is female, age 65, preferred best underwriting class, no ratings or extras.

**The next table describes the Contract fees and expenses that you will pay periodically during the time you own the Contract, not including the Funds' fees and expenses.**

---

| | | | |
|:---|:---|:---|:---|
| **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** |
| **Charge** | **When Charge**<br>**Is Deducted** | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge**<br>**Is Deducted** | Guaranteed (Maximum) | Current |
| **Base Contract Charges:** |  |  |  |
| **Cost Of Insurance ("COI")**<br> for the Basic Insurance Amount.<sup>(1)(2)(3)</sup><br>(Minimum and maximum charge per $1,000 of the Net Amount At Risk.) | Monthly | From $0.00667 to $83.34 | From $0.0057 to $83.34 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.492 | $0.153 |

---

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

---

| | | | |
|:---|:---|:---|:---|
| **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES, continued** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES, continued** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES, continued** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES, continued** |
| **Charge** | **When Charge**<br>**Is Deducted** | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge**<br>**Is Deducted** | Guaranteed (Maximum) | Current |
| **Administrative Charge For Basic Insurance Amount**<sup>(2)(5)</sup><br>(Minimum and maximum charge (charge per $1,000 of Basic Insurance Amount plus a flat fee).) | Monthly | From $0.03 to $1.75, <br>plus $9 | From $0.03 to $1.75, <br>plus $9 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.25 plus $9 | $0.25<sup>(6)</sup> plus $9 |
| **Mortality And Expense Risk Charge**<sup>(7)</sup><br>(Calculated as a percentage of assets in Variable Investment Options.) | Daily | 0.45% | 0.25% |
| **Additional Mortality Charge For Certain Risks** <br>associated with health conditions, occupations, avocations, or aviation.<sup>(2)(8)</sup><br>(Flat extra per $1,000 of Basic Insurance Amount.) | Monthly | From $0.105 to $2.09 | From $0.105 to $2.09 |
| **Net Interest On Loans** | Annually | 1% for standard loans.<br>0.05% for preferred loans. | 1% for standard loans.<br>0.05% for preferred loans. |
| **Optional Benefits Charges:** |  |  |  |
| **Accidental Death Benefit Rider**<sup>(2)(5)</sup><br>(Minimum and maximum charge per $1,000 of the coverage amount.) | Monthly | From $0.0427 to $0.273 | From $0.0427 to $0.273 |
| Charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.178 | $0.178 |
| **BenefitAccess Rider**<sup>(1)(2)</sup><br>(Minimum and maximum cost of insurance charge per $1,000 of the Net Amount At Risk.)<br>2% Monthly Benefit Percentage: <br>4% Monthly Benefit Percentage:  | Monthly | <br>From $0.00203 to $14.74<br>From$0.00364 to $22.11 | <br>From $0.00203 to $14.74<br>From $0.00364 to $22.11 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup><br>2% Monthly Benefit Percentage: <br>4% Monthly Benefit Percentage:  | Monthly | $0.0266<br>$0.04 | $0.0266<br>$0.04 |
| **Children Level Term Rider**<br> (Charge per $1,000 of the coverage amount.) | Monthly | $0.42 | $0.42 |
| **Enhanced Disability Benefit Rider**<sup>(2)(5)(9)</sup><br>Minimum and maximum charge (percentage of the monthly benefit amount). | Monthly | From 7.08% to 12.17% | From 7.08% to 12.17% |
| Charge for a representative Contract Owner.<sup>(10)</sup> | Monthly | 12.17% | 12.17% |
| **Lapse Protection Rider**<sup>(11)</sup>Extended No-Lapse Guarantee cost of insurance charge <br>(Minimum and maximum per $1,000 of the Net Amount At Risk.) | Monthly | <br>From $0.001 to $15.00 | <br>From $0.0003 to $11.67 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.22 | $0.0534 |

---

(1)The charge varies based on the individual characteristics of the insured, including such characteristics as age, sex, and underwriting classification, and Contract duration.

(2)The charge shown in the table may not be representative of the charge that a particular Contract Owner will pay. You may obtain more information about the particular charges that apply to you by contacting your Pruco Life of New Jersey representative.

(3)The highest COI rate is for an insured who is a male/female age 120.

(4)Representative insured is female, age 65, preferred best underwriting class, no ratings or extras, with a $250,000 Basic Insurance Amount.

(5)The charge varies based on the individual characteristics of the insured, including such characteristics as age, sex, and underwriting classification.

(6)The duration of the charge is limited.

(7)The daily charge is based on the effective annual rate shown.

(8)The amount and duration of the charge will vary based on individual circumstances including issue age, type of risk, and the frequency of exposure to the risk.

(9)The monthly benefit amount is the greater of: 9% of the Contract's Limited No-Lapse Guarantee Premium (including premiums for riders and flat extras) and the total of all monthly deductions.

(10)Representative insured is female, age 59, preferred best underwriting class, no ratings or extras, with a $250,000 Basic Insurance Amount.

(11)The charge is based on the Attained Age of the insured.

**The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. A complete list of Funds available under the Contract, including their annual expenses, may be found in <u>[APPENDIX A](#ib777c280a4234d5d899e88fe20f471f5_259)</u>.**

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

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| | | |
|:---|:---|:---|
| **Annual Fund Expenses** | **Minimum** | **Maximum** |
| (Expenses that are deducted from the Funds' assets, including management fees, any distribution and/or service (12b-1) fees, and other expenses, but not including reductions for any fee waiver or other reimbursements.) | 0.29% | 2.09% |

---

**PRINCIPAL RISKS OF INVESTING IN THE CONTRACT**

**Contract Values Are Not Guaranteed** – The value of your Contract Fund rises and falls with the performance of the investment options you choose and the charges that we deduct. Your benefits (including life insurance) are not guaranteed, and may be entirely dependent on the investment performance of the Variable Investment Options you select.

**The Variable Investment Options** – The Variable Investment Options you choose may not perform to your expectations. Investing in the Contract involves risks including the possible loss of your entire investment. Only the Fixed Rate Option provides a guaranteed rate of return.

The Account invests in the shares of one or more open-end management investment companies registered under the Investment Company Act of 1940. Each Variable Investment Option, which invests in a corresponding Fund, has its own investment objective, strategy, and associated risks, which are described in the Fund's prospectus. Before allocating net premium to a Variable Investment Option, you should read the current Fund prospectus. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. The income, gains, and losses of one Variable Investment Option have no effect on the investment performance of any other Variable Investment Option.

Amounts you allocate to the Variable Investment Options may grow in value, decline in value, or grow less than you expect, depending on the investment performance of the Funds. You bear the investment risk that the Funds may not meet their investment objectives. It is possible to lose your entire investment in the Variable Investment Options.

The Contract offers Variable Investment Options through the Advanced Series Trust ("AST"). The AST Variable Investment Options are also available in variable annuity contracts we offer. Some of these variable annuity contracts offer a feature that utilizes a predetermined mathematical formula (the "formula") to manage the guarantees offered in connection with certain optional benefits. The operation of the formula in those variable annuity contracts may result in large-scale asset flows into and out of the Funds corresponding to the Variable Investment Options that are available with your Contract. These asset flows could adversely impact the Funds, including their risk profile, expenses and performance.

**Increase In Charges** – In several instances we will use the terms "maximum charge" and "current charge." The "maximum charge," in each instance, is the highest charge that we may apply under the Contract. The "current charge," in each instance, is the amount that we now charge, which may be lower than the maximum charge. If circumstances change, we reserve the right to increase each current charge, up to the maximum charge.

**Not a Short-Term Savings Vehicle** – The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered.

**Contract Lapse** – On each Monthly Date we determine the value of your Contract Fund. The Contract is in default if the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less, unless it remains in force under the Limited No-Lapse Guarantee or Lapse Protection Rider (if selected). Your Contract will also be in default if, at any time, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge, unless it remains in force under the Overloan Protection Rider (if applicable). Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Contract to lapse, which will cause you to lose your insurance coverage.

**Taking Withdrawals** – Whenever a withdrawal is made, the Death Benefit will immediately be reduced by at least the amount of the withdrawal. If the Basic Insurance Amount is decreased, there is a possibility that the Contract might be classified as a Modified Endowment Contract, which would result in less favorable tax treatment for loans, withdrawals, or assignments. Accessing the values in your Contract through withdrawals may significantly affect current and future Contract values or Death Benefit proceeds and may increase the chance that your Contract will lapse. In addition, a withdrawal from your Contract may have tax consequences.

**Taking a Contract Loan** – Accessing the values in your Contract through Contract loans may significantly affect current and future Contract values or Death Benefit proceeds and may increase the chance that your Contract will lapse. When a loan is made, an amount equal to the loan proceeds is transferred out of the investment options and does not participate in any investment return until a loan repayment is made. Taking a Contract loan will prevent any Death Benefit guarantees from protecting your Contract from lapsing. The longer a loan remains outstanding the greater the potential negative impact on the Contract Fund. In addition, a loan from your Contract may have tax consequences.

**Surrender Of the Contract** – We deduct a surrender charge from the surrender proceeds. While the amount of the surrender charge decreases over time, it may be a substantial portion or even equal to your Contract Fund. A surrender of your Contract may have tax consequences.

**Potential Federal Tax Consequences** – Your Contract is structured to meet the definition of life insurance under Section 7702 of the Internal Revenue Code. At issue, the Contract Owner chooses one of the following definition of life insurance tests: (1) Cash Value Accumulation Test or (2) Guideline Premium Test. We reserve the right to refuse to accept a premium payment that would, in our opinion, cause this Contract to fail to qualify as life insurance for federal tax purposes. Although we believe that the Contract should qualify as life insurance for tax purposes, there are some uncertainties, particularly because the Secretary of Treasury has not yet issued permanent regulations that bear on this question. Current tax law generally excludes Death Benefits from the gross income of the beneficiary of a life insurance contract. However, your Death Benefit could be subject to income tax in certain instances, such as if transferred in accordance with a reportable policy sale. Your Death Benefit may also be subject

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

to estate tax. In addition, you generally are not subject to taxation on any increase in the Contract value until it is withdrawn. Generally, you are taxed on surrender proceeds and the proceeds of any withdrawals only if those amounts, when added to all previous distributions, exceed the total premiums paid. Amounts received upon surrender or withdrawal (including any outstanding Contract loans) in excess of premiums paid are treated as ordinary income.

Special rules govern the tax treatment of life insurance policies that meet the definition of a Modified Endowment Contract under Section 7702A of the Internal Revenue Code. The Contract could be classified as a Modified Endowment Contract if premiums in amounts that are too large are paid or a decrease in the Basic Insurance Amount is made (or a rider removed). Under current tax law, pre-death distributions, including loans and assignments, are taxed less favorably (on a gain first basis) under Modified Endowment Contracts. Death

Benefit payments under Modified Endowment Contracts, however, like Death Benefit payments under other life insurance contracts, generally are excluded from the gross income of the beneficiary.

**Replacement Of a Contract** – The replacement of life insurance is generally not in your best interest. If you are considering replacing a contract, you should compare the benefits and costs of your existing contract with the benefits and costs of purchasing a new Contract and you should consult with a tax adviser.

**Our Ability To Pay Benefits** – All insurance benefits, including the Death Benefit, and all guarantees, including those related to the Fixed Rate Option, are general account obligations that are subject to the financial strength and claims paying ability of Pruco Life of New Jersey.

**GENERAL DESCRIPTIONS OF THE DEPOSITOR, THE REGISTRANT, AND THE FUNDS**

**Pruco Life Insurance Company of New Jersey**

Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey", "us", "we", or "our") (the "Depositor") is a stock life insurance company, organized on September 17, 1982, under the laws of the state of New Jersey. It is licensed to sell life insurance and annuities only in the states of New Jersey and New York. Our principal executive office is located at 213 Washington Street, Newark, New Jersey 07102.

**The Pruco Life of New Jersey Variable Appreciable Account**

We have established a Separate Account, the Pruco Life of New Jersey Variable Appreciable Account (the "Account" or the "Registrant") to hold the assets that are associated with the Contracts. The Account was established on January 13, 1984, under New Jersey law and is registered with the SEC under the Investment Company Act of 1940 as a unit investment trust, which is a type of investment company. The Account meets the definition of a "Separate Account" under the federal securities laws. The Account holds assets that are segregated from all of our other assets. Thus, such assets that are held in support of client accounts are not chargeable with liabilities arising out of any other business Pruco Life of New Jersey conducts.

We are the legal owner of the assets in the Account. We will maintain assets in the Account with a total market value at least equal to the reserve and other liabilities relating to the variable benefits attributable to the Contracts. In addition to these assets, the Account's assets may include funds contributed by us to commence operation of the Account and may include accumulations of the charges we make against the Account. From time to time we will transfer capital contributions to our general account. We will consider any possible adverse impact the transfer might have on the Account before making any such transfer.

Income, gains and losses credited to, or charged against, the Account reflect the Account's own investment experience and not the investment experience of our other assets. The assets of the Account that are held in support of client accounts may not be charged with liabilities that arise from any other business we conduct.

We are obligated to pay all amounts promised to Contract Owners under the Contract. The obligations to Contract Owners and beneficiaries arising under the Contracts are our general corporate obligations. Guarantees and benefits within the Contract are subject to our claims paying ability.

You may invest in one or a combination of the available Variable Investment Options. When you choose a Variable Investment Option, we purchase shares of the corresponding Fund or a separate investment series of a Fund which are held as an investment for that option. We hold these shares in the Account.

**The Funds**

This Contract offers Funds managed by AST Investment Services, Inc. and PGIM Investments LLC, both of which are affiliated companies of Pruco Life of New Jersey ("Affiliated Funds"), and Funds managed by companies not affiliated with Pruco Life of New Jersey ("Unaffiliated Funds"). Pruco Life of New Jersey and its affiliates ("Prudential Companies") receive fees and payments from both the Affiliated Funds and the Unaffiliated Funds. We consider the amount of these fees and payments when determining which Funds to offer through the Contract. Affiliated Funds may provide Prudential Companies with greater fees and payments than Unaffiliated Funds. Because of the potential for greater profits earned by the Prudential Companies with respect to the Affiliated Funds, we have an incentive to offer Affiliated Funds over Unaffiliated Funds. As indicated next to each Fund's description in the tables in **<u>[APPENDIX A](#ib777c280a4234d5d899e88fe20f471f5_259)</u>**, each Fund has one or more subadvisers that provide certain day-to-day investment management services. We have an incentive to offer Funds with certain subadvisers, either because the subadviser is a Prudential Company or because the subadviser provides payments or support, including distribution and marketing support, to the Prudential Companies. We may consider those subadviser financial incentive factors in determining which Funds to offer under the Contract. Also, in some cases, we offer Funds based on the recommendations made by selling broker-dealer firms. These firms may receive payments from the Funds they recommend and may benefit accordingly from allocations of Contract Fund value to the Variable Investment Options that invest in these Funds. Allocations made to all Affiliated Funds benefit us financially. See **<u>[Service Fees Payable To Pruco Life of New Jersey](#ib777c280a4234d5d899e88fe20f471f5_43)</u>** for more information about fees and payments we may receive from the Funds and/or their affiliates.

Pruco Life of New Jersey has selected the Funds for inclusion as investment options under this Contract in Pruco Life of New Jersey's role as issuer of this Contract. We may remove or add additional Variable Investment Options in the future. We may consider the potential risk to us of offering a Fund in light of the benefits provided by the Contract.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

PGIM Investments LLC serves as the investment manager for The Prudential Series Fund ("PSF") and certain Funds of AST. PGIM Investments LLC and AST Investment Services, Inc. serve as co-investment managers of the other Funds of AST.

The investment management agreements for PSF and AST provide that the investment manager or co-investment managers (the "Investment Managers") will furnish each applicable Fund with investment advice and administrative services subject to the supervision of the Board of Trustees and in conformity with the stated policies of the applicable Fund. The Investment Managers must also provide, or obtain and supervise, the executive, administrative, accounting, custody, transfer agent, and shareholder servicing services that are deemed advisable by the Board of Trustees of the applicable Fund.

The Investment Managers or subadvisers for the Funds charge a daily investment management fee as compensation for their services. Allocations made to all AST and PSF Funds benefit us financially because fees are paid to us or our affiliates by the AST and PSF Funds. More detailed information, including a full description of these fees, is available in the Funds' prospectuses.

Information regarding each Fund, including (i) its name; (ii) its type; (iii) its Investment Manager(s) and subadviser(s); (iv) current expense; and (v) performance, is available in **<u>[APPENDIX A](#ib777c280a4234d5d899e88fe20f471f5_259)</u>**. Each Fund has issued its own separate prospectus that contains more detailed information about the Fund. **The Funds' prospectuses and statements of additional information are available at www.Prudential.com/eProspectus or by calling 800-778-2255.** You should read the Fund prospectuses before you decide to allocate assets to the Variable Investment Options. We will also provide you with the prospectus for each Fund in which you invest. The Variable Investment Options that you select are your choice – we do not provide investment advice, nor do we recommend any particular Variable Investment Option. There is no assurance that the investment objectives of the Funds will be met. Please refer to the tables in **<u>[APPENDIX A](#ib777c280a4234d5d899e88fe20f471f5_259)</u>** to see which Variable Investment Options you may choose.

In the future, it may become disadvantageous for separate accounts of variable life insurance and variable annuity contracts to invest in the same Funds. Neither the companies that invest in the Funds nor the Funds currently foresee any such disadvantage. The Board of Directors for each Fund intends to monitor events in order to identify any material conflict between variable life insurance and variable annuity Contract Owners and to determine what action, if any, should be taken. Material conflicts could result from such things as:

(1)changes in state insurance law;

(2)changes in federal income tax law;

(3)changes in the investment management of any Fund; or

(4)differences between voting instructions given by variable life insurance and variable annuity Contract Owners.

The terms "Fund" and "portfolio" are largely used interchangeably. Some of the Funds use the term "Fund" and others use the term "portfolio" (or infrequently "series") in their respective prospectuses.

A Fund may have a similar name, investment objective, or investment policy resembling those of a mutual fund managed by the same investment adviser or subadviser that is sold directly to the public. Despite such similarities, there can be no assurance that the investment performance of any such Fund will resemble that of the publicly available mutual fund.

The tables in **<u>[APPENDIX A](#ib777c280a4234d5d899e88fe20f471f5_259)</u>** reflect the Funds in which the Account invests, their Fund type, and each Fund's investment subadvisers. For Funds with multiple subadvisers, each subadviser manages a portion of the assets for that Fund. The AST Balanced Asset Allocation Portfolio and the AST Preservation Asset Allocation Portfolio each invests primarily in shares of other Funds, which are managed by the subadvisers of those Funds.

Although the PSF PGIM Government Money Market Portfolio is designed to be a stable investment option, it is possible to lose money in that Variable Investment Option. For example, when prevailing short-term interest rates are very low, the yield on the PSF PGIM Government Money Market Portfolio may be so low that, when Fund and Contract charges are deducted, you experience a negative return.

**Service Fees Payable To Pruco Life of New Jersey**

We and our affiliates receive substantial payments from the Funds and/or related entities, such as the Funds' advisers and subadvisers. Because these fees and payments are made to us and our affiliates, allocations you make to the Funds benefit us financially.

We receive Rule 12b-1 fees which compensate us for distribution and administrative services. These fees are paid by the Funds out of each Fund's assets and are therefore borne by Contract Owners. We also receive administrative services payments, some of which are paid by the Funds and some of which are paid by the advisers of the Funds or their affiliates and are referred to as "revenue sharing" payments. As of May 1, 2025, the maximum combined 12b-1 fees and administrative services payments we receive with respect to a Fund are equal to an annual rate of 0.55% of the average assets allocated to the Fund under the Contract. We expect to make a profit on these fees and payments and consider them when selecting the Funds available under the Contract.

In addition, an adviser or subadviser of a Fund or a distributor of the Contract may also compensate us by providing reimbursement, defraying the costs of, or paying directly for, among other things, marketing and/or administrative services and/or other services they provide in connection with the Contract. These services may include, but are not limited to: sponsoring or co-sponsoring various promotional, educational or marketing meetings and seminars attended by distributors, wholesalers, and/or broker-dealer firms' registered representatives, and creating marketing material discussing the Contract, available options, and Funds. The amounts paid depend on the nature of the meetings, the number of meetings attended by the adviser, subadviser, or distributor, the number of participants and attendees at the meetings, the costs expected to be incurred, and the level of the adviser's, subadviser's or distributor's participation. These payments or reimbursements may not be offered by all advisers, subadvisers, or distributors and the amounts of such payments may vary between and among each adviser, subadviser, and distributor depending on their respective participation.

In addition to the payments that we receive from Funds and/or their affiliates, those same Funds and/or their affiliates may make payments to us and/or other insurers within the Prudential Companies related to the offering of investment options within variable annuities or life insurance offered by different Prudential business units.

**AST Funds**

This Contract offers Variable Investment Options that invest in Funds offered through AST. The AST Variable Investment

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

Options are also available in variable annuity contracts we offer. Some of these variable annuity contracts offer optional living benefits that utilize a predetermined mathematical formula (the "formula") to manage the guarantees offered in connection with those optional benefits. The formula monitors each annuity contract owner's account value daily and, if necessary, will systematically transfer amounts among investment options. The formula transfers assets between the Variable Investment Options for those variable annuity contracts and an AST bond fund (the AST bond fund is not available in connection with the life Contracts offered through this prospectus). **You should be aware that the operation of the formula in those variable annuity contracts may result in large-scale asset flows into and out of the Funds corresponding to the Variable Investment Options that are available with your Contract. These asset flows could adversely impact the Funds, including their risk profile, expenses and performance.** Because transfers between the Variable Investment Options and the AST bond fund can be frequent and the amount transferred can vary from day to day, any of the Funds could experience the following effects, among others:

(1)a Fund's investment performance could be adversely affected by requiring a subadviser to purchase and sell securities at inopportune times or by otherwise limiting the subadviser's ability to fully implement the Fund's investment strategy;

(2)the subadviser may be required to hold a larger portion of assets in highly liquid securities than it otherwise would hold, which could adversely affect performance if the highly liquid securities underperform other securities (e.g., equities) that otherwise would have been held; and

(3)a Fund may experience higher turnover and greater negative asset flows than it would have experienced without the formula, which could result in higher operating expense ratios and higher transaction costs for the Fund compared to other similar funds.

The efficient operation of the asset flows among Funds triggered by the formula depends on active and liquid markets. If market liquidity is strained, the asset flows may not operate as intended. For example, it is possible that illiquid markets or other market stress could cause delays in the transfer of cash from one Fund to another Fund, which in turn could adversely impact performance.

Before you allocate to the Variable Investment Options with the AST Funds listed above, you should consider the potential effects on the Funds that are the result of the operation of the formula in the variable annuity contracts that are unrelated to your Contract. Please work with your financial professional to determine which Variable Investment Options are appropriate for your needs.

**Voting Rights**

We are the legal owner of the shares of the Funds associated with the Variable Investment Options. However, we vote the shares according to voting instructions we receive from Contract Owners. We will mail you a proxy, which is a form you need to complete and return to us, to inform us how you wish us to vote. When we receive those instructions, we will vote all of the shares we own on your behalf in accordance with those instructions. We vote shares for which we do not receive instructions, and any other shares that we own in our own right, in the same proportion as the shares for which instructions are received. This voting procedure is sometimes referred to as "mirror voting" because, as indicated in the immediately preceding sentence, we mirror the votes that are actually cast,

rather than decide on our own how to vote. We will also "mirror vote" shares that are owned directly by us or an affiliate (excluding shares held in the separate account of an affiliated insurer). In addition, because all the shares of a given Fund held within our Separate Account are legally owned by us, we intend to vote all of such shares when that Fund seeks a vote of its shareholders. As such, all such shares will be counted towards whether there is a quorum at the Fund's shareholder meeting and towards the ultimate outcome of the vote. Thus, under "mirror voting", it is possible that the votes of a small percentage of Contract Owners who actually vote will determine the ultimate outcome. Generally, you will be asked to provide instructions for us to vote on matters such as changes in a fundamental investment strategy, adoption of a new investment advisory agreement, or matters relating to the structure of the Fund that require a vote of shareholders. We may change the way your voting instructions are calculated if it is required by federal or state regulation. We reserve the right to change the voting procedures described above if applicable federal securities laws or SEC rules change in the future.

We may, if required by state insurance regulations, disregard voting instructions if they would require shares to be voted so as to cause a change in the sub-classification or investment objectives of one or more of the Funds or to approve or disapprove an investment advisory contract for the Fund. In addition, we may disregard voting instructions that would require changes in the investment policy or investment adviser of one or more of the Funds associated with the available Variable Investment Options, provided that we reasonably disapprove such changes in accordance with applicable federal or state regulations. If we disregard Contract Owner voting instructions, we will advise Contract Owners of our action and the reasons for such action in the next available annual or semi-annual report.

**Substitution Of Variable Investment Options**

We may substitute one or more of the available Variable Investment Options. We may terminate the availability of any Variable Investment Option at any time. If we do so, you will no longer be permitted to allocate additional investments to the option, either by premium payment or transfer. We would not do this without any necessary SEC and/or state approval. You will be given specific notice in advance of any substitution we intend to make.

**The Fixed Rate Option**

You may choose to allocate, initially or by transfer, all or part of your Contract Fund to the Fixed Rate Option. Amounts in the Fixed Rate Option are part of our general account. The general account consists of all assets owned by us other than those in the Account and in other separate accounts that have been or may be established by us. Subject to applicable law, we have sole discretion over the investment of the general account assets, and Contract Owners do not share in the investment experience of those assets. Instead, we guarantee that the part of the Contract Fund allocated to the Fixed Rate Option will accrue interest daily at an effective annual rate that we declare periodically, but not less than an effective annual rate of 1%. We are not obligated to credit interest at a rate higher than an effective annual rate of 1%, although we may do so. The fulfillment of our guarantee under this benefit is dependent on our claims paying ability and financial strength.

Transfers out of the Fixed Rate Option are subject to strict limits. See **<u>[Transfers And Restrictions On Transfers](#ib777c280a4234d5d899e88fe20f471f5_205)</u>**. The payment of any Cash Surrender Value attributable to the Fixed

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

Rate Option may be delayed up to six months. See **<u>[When Proceeds Are Paid](#ib777c280a4234d5d899e88fe20f471f5_232)</u>**.

Because of exemptive and exclusionary provisions, interests in the Fixed Rate Option under the Contract have not been

registered under the Securities Act of 1933 and the general account has not been registered as an investment company under the Investment Company Act of 1940.

**CHARGES AND EXPENSES**

There are Contract charges and Fund expenses associated with the Contract that reduce the return on your investment. These charges and expenses are described below. Most charges, although not all, are made by reducing the Contract Fund. Unless you direct otherwise, monthly charges are generally deducted proportionately from the dollar amounts held in each of the investment options. See **<u>[Allocated Charges](#ib777c280a4234d5d899e88fe20f471f5_94)</u>**.

When describing the Contract's charges, in several instances we use the terms "maximum charge" and "current charge." The "maximum charge", in each instance, is the highest charge that we may make under the Contract. The "current charge", in each instance, is the amount that we now charge, which may be lower than the maximum charge. If circumstances change, we reserve the right to increase each current charge, up to the maximum charge. We will supplement this prospectus to reflect any increase in a current Contract charge, up to the maximum Contract charge, before the change is implemented.

Current charges deducted from premium payments and the Contract Fund may change from time to time, subject to maximum charges. Any changes to any of these current charges will be in consideration of one or more factors such as mortality, expenses, taxes, interest, investment experience, Contract funding, Net Amount At Risk, profit and/or persistency, which is the length of time Contracts like this one and other contracts stay in effect. Changes in charges will be by underwriting classification. We will not recoup prior losses or distribute prior gains by means of these changes.

The charges under the Contract are designed to cover, in the aggregate, our direct and indirect costs of selling, administering and providing benefits under the Contract. They are also designed, in the aggregate, to compensate us for the risks of loss we assume pursuant to the Contract. If, as we expect, the charges that we collect from the Contract exceed our total costs in connection with the Contract, we will earn a profit. Otherwise, we will incur a loss. The rates of certain of our charges have been set with reference to estimates of the amount of specific types of expenses or risks that we will incur. In most cases, this prospectus identifies such expenses or risks in the name of the charge; however, the fact that any charge bears the name of, or is designed primarily to defray a particular expense or risk does not mean that the amount we collect from that charge will never be more than the amount of such expense or risk. Nor does it mean that we may not also be compensated for such expense or risk out of any other charges we are permitted to deduct by the terms of the Contract. We may reduce stated fees under particular contracts as to which, due to economies of scale and other factors, our administrative costs are reduced.

**Premium Charge**

We may deduct a premium charge from each premium received in the first 30 Contract Years. This charge is deducted to compensate us for the costs of selling the Contracts (including commissions, advertising, the printing and distribution of prospectuses and sales literature, and any applicable federal, state, or local income, premium, excise, or company tax).

This charge is made up of two rates. In each Contract Year in which a premium charge is deducted, we apply one percentage

on the amount of premium received up to the Sales Load Target Premium and a second percentage on the amount of premium received over the Sales Load Target Premium threshold. The maximum sales load we may charge in any Contract Year is 13.5% on amounts up to Sales Load Target Premium and 37.5% on cumulative premium amounts in excess of Sales Load Target Premium. The current premium charge is 7.5% on amounts up to Sales Load Target Premium and 10.5% on cumulative premium amounts in excess of Sales Load Target Premium.

The Sales Load Target Premium may vary from the No-Lapse Guarantee Premium, depending on the issue age and underwriting classification of the insured, any extra risk charges, or additional riders. Attempting to structure the timing and amount of premium payments to reduce the potential premium charge may increase the risk that your Contract will lapse without value. Delaying the payment of premium amounts to later years will adversely affect the No-Lapse Guarantee if the accumulated premium payments do not reach the No-Lapse Guarantee Values shown on your Contract data pages. See **<u>[PREMIUMS](#ib777c280a4234d5d899e88fe20f471f5_190)</u>, <u>[Limited No-Lapse Guarantee](#ib777c280a4234d5d899e88fe20f471f5_151)</u>,** and **<u>[Lapse Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_157)</u>**. In addition there are circumstances where payment of premiums that are too large may cause the Contract to be characterized as a Modified Endowment Contract, which could be significantly disadvantageous. See **<u>[Tax Treatment of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

**Surrender Charge**

We assess a surrender charge if during the first 14 Contract Years the Contract lapses, is surrendered, or the Basic Insurance Amount is decreased (including as a result of a Death Benefit type change). The surrender charge compensates us for costs associated with the Contracts, such as: processing applications, conducting examinations, determining insurability and the insured's rating class, and establishing records, and other expenses we cannot recoup as a result of lapse, surrender, or a decrease in coverage. While the amount of the surrender charge decreases over time, it may be a substantial portion of, or even equal to, your Contract Fund. We do not deduct a surrender charge from the Death Benefit if the insured dies during this period. Also, we do not assess a surrender charge for a reduction in Basic Insurance Amount due to a withdrawal.

We deduct the maximum surrender charge that applies to your Contract. The initial surrender charge we deduct ranges from $3.53 to $43.15 per $1,000 of Basic Insurance Amount. For example, the initial surrender charge for a Contract with a female insured, age 65, in the preferred best underwriting class is $31.16 per $1,000 of Basic Insurance Amount. Your actual charge will vary by the insured's age, sex, underwriting classification, and Contract duration. A schedule showing the surrender charges for a full surrender occurring each year that a surrender charge may be payable is found in the data pages of your Contract. The charge decreases to zero by the end of the 14th year.

The following chart provides an example of the surrender charge applied to a Contract with an insured female, age 65 at Contract issuance, and preferred best underwriting class. You may obtain more information about the particular surrender charge that applies to you by contacting your Pruco Life of New Jersey representative.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

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| | |
|:---|:---|
| **Sample Surrender Charges** | **Sample Surrender Charges** |
| Surrender occurring during Contract Year: | Amount per $1,000 of Basic Insurance Amount: |
| 1 | $31.16 |
| 2 | $27.63 |
| 3 | $23.81 |
| 4 | $19.99 |
| 5 | $15.58 |
| 6 | $10.58 |
| 7 | $5.88 |
| 8 | $5.58 |
| 9 | $5.58 |
| 10 | $5.29 |
| 11 | $5.29 |
| 12 | $3.52 |
| 13 | $3.23 |
| 14 | $1.76 |
| 15+ | $0.00 |

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If, during the first 14 Contract Years, the Basic Insurance Amount is decreased (including as a result of a change in type of Death Benefit) we may deduct a percentage of the surrender charge. The surrender charge is generally deducted proportionately from the dollar amounts held in each of the Variable Investment Options and the Fixed Rate Option. The percentage will be the amount by which the new Basic Insurance Amount is less than the threshold amount, divided by the threshold amount plus the amount by which the Basic Insurance Amount was reduced for any withdrawals. The threshold amount is the lowest Basic Insurance Amount since the Contract was issued. After this transaction, a corresponding new surrender charge schedule will be determined to reflect that portion of the surrender charge deducted in the past.

**Cost Of Insurance**

We deduct a monthly cost of insurance ("COI") charge from the Contract Fund. The purpose of this charge is to compensate us for the cost of providing insurance coverage. When an insured dies, the amount payable to the beneficiary (assuming there is no Contract Debt) is larger than the Contract Fund – significantly larger if the insured dies in the early years of a Contract. The COI charges collected from all Contract Owners enables us to pay this larger Death Benefit.

The COI charge (current or maximum) is determined by taking the Net Amount At Risk, dividing by 1,000, and multiplying by the applicable COI rate. The Net Amount At Risk is equal to the current Death Benefit, reduced by one month of interest at a 1% annual rate, less the Contract Fund.

The COI rates in effect at any given time vary by Contract duration, as well as the issue age, sex, and underwriting classification of the insured. The rates generally increase over time but are never more than the maximum charges listed in the Contract's data pages. The maximum COI rates are based upon the 2017 Commissioners Standard Ordinary Mortality Tables and vary by sex, smoker classification, and Attained Age of the insured. Our current COI rates range from $0.0057 to $83.34 per $1,000 of Net Amount At Risk.

COI rates are applied to the Net Amount At Risk to determine the COI charge. Generally, a higher Contract Fund value in relation to the Death Benefit will result in a lower Net Amount At Risk and lower COI charge. A lower Contract Fund value in relation to the Death Benefit will result in a higher Net Amount At Risk and a higher COI charge. For Contracts with a Type A

Death Benefit, the Net Amount At Risk generally changes as the Contract Fund changes. For Contracts with a Type B Death Benefit, the Net Amount At Risk generally does not change as the Contract Fund changes. See **<u>[Types Of Death Benefit](#ib777c280a4234d5d899e88fe20f471f5_133)</u>**.

The following table provides hypothetical examples of the Net Amount At Risk's role in determining COI charges. The examples assume a $250,000 Basic Insurance Amount, the Death Benefit meets the definition of life insurance test, and a current monthly COI rate of $1.00 per $1,000 of Net Amount At Risk.

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| | | | | |
|:---|:---|:---|:---|:---|
| **Example Net Amount At Risk Scenarios**<br>(values rounded to the nearest cent) | **Example Net Amount At Risk Scenarios**<br>(values rounded to the nearest cent) | **Example Net Amount At Risk Scenarios**<br>(values rounded to the nearest cent) | **Example Net Amount At Risk Scenarios**<br>(values rounded to the nearest cent) | **Example Net Amount At Risk Scenarios**<br>(values rounded to the nearest cent) |
| Death Benefit Type | Death Benefit amount | Contract Fund value | Net Amount At Risk | Month's COI charge |
| Type A | $250000 | $25000 | $224792.80 | $224.79 |
| Type A | $250000 | $75000 | $174792.80 | $174.79 |
| Type B | $275000 | $25000 | $249772.08 | $249.77 |
| Type B | $325000 | $75000 | $249730.64 | $249.73 |

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Because the Net Amount At Risk is based on your Death Benefit and your Contract Fund, it may be impacted by such factors as investment performance, charges, fees, and premium payments. Paying less premiums, paying premiums late, experiencing poor investment performance, and/or earning less interest may reduce Contract Fund value and increase the Net Amount At Risk, and may also cause the Contract to lapse earlier unless additional premiums are paid. Similarly, paying more premiums, paying premiums earlier, experiencing better market performance, and/or earning more interest may increase Contract Fund value and, in some cases, lower the Net Amount At Risk on which COI charges are based.

**Administrative Charge For Basic Insurance Amount** 

In addition to the COI charge, each month we deduct from the Contract Fund an administrative charge for the Basic Insurance Amount. This charge is made up of two parts and is intended to compensate us for things like processing claims, keeping records, and communicating with Contract Owners.

(1)The first part of the charge is a flat fee of $9 per month.

(2)The second part of the charge is an amount per $1,000 of the Basic Insurance Amount. The amount varies by the insured's issue age, sex, and underwriting classification. Generally, the rate per $1,000 of Basic Insurance Amount is higher for older issue ages and for higher-risk underwriting classifications.

The following table provides examples of the initial administrative charge per $1,000 of Basic Insurance Amount.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:** | &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:** | &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:** | &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:** | &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:** |
| Issue Age | Male<br>Nonsmoker | Male<br>Smoker | Female<br>Nonsmoker | Female<br>Smoker |
| 35 | $0.06 | $0.13 | $0.06 | $0.11 |
| 45 | $0.11 | $0.23 | $0.11 | $0.19 |
| 55 | $0.23 | $0.36 | $0.18 | $0.27 |
| 65 | $0.39 | $0.44 | $0.31 | $0.42 |

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The highest charge per $1,000 is $1.75 and applies to Contracts with insureds at age 80 and above at some of the worst rating classes. The lowest charge per thousand is $0.03 and applies to female nonsmoking classes at younger ages. The amount of the

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

maximum charge that applies to your particular Contract is shown on the Contract's data pages.

**Mortality And Expense Risk Charge**

Each day we deduct a charge from the assets of the Variable Investment Options in an amount equivalent to an effective annual rate of up to 0.45%. Currently, we charge 0.25%. This charge is intended to compensate us for assuming mortality and expense risks under the Contract. The mortality risk we assume is that insureds may live for shorter periods of time than we estimated when mortality charges were determined. The expense risk we assume is that expenses incurred in issuing and administering the Contract will be greater than we estimated in fixing our administrative charges. This charge is not assessed against amounts allocated to the Fixed Rate Option.

**Additional Mortality Charge For Certain Risks**

We may assess an additional charge on a permanent or temporary basis for unique or specific mortality risks that exceed our standard underwriting guidelines. This additional monthly charge or "flat extra" is charged as a dollar amount per $1,000 of Basic Insurance Amount.

Generally, a permanent flat extra rating is assessed for non-medical risks such as aviation. A temporary flat extra charge is used in scenarios where mortality risk is higher in the earlier Contract Years and reduces in later years, such as may be the case for certain occupational and avocational risks and for some insureds with cancer histories. The actual dollar amounts are initially determined through the research completed for the activity or impairment during the underwriting process. The flat extra charge per $1,000 will vary based on individual circumstances of the insured, including issue age, type of risk, and the frequency of exposure to the risk.

**Transaction Charges**

(a)We may charge a transfer fee of up to $25 for each transfer exceeding 12 in any Contract Year. Currently, we do not charge a transaction fee for transfers. See **<u>[Transfers And Restrictions On Transfers](#ib777c280a4234d5d899e88fe20f471f5_205)</u>**.

(b)We may charge a withdrawal fee of up to $25 in connection with each withdrawal. Currently, we do not charge a transaction fee for withdrawals. See **<u>[Withdrawals](#ib777c280a4234d5d899e88fe20f471f5_226)</u>**.

(c)We may charge a Basic Insurance Amount decrease fee of up to $25 for any decrease in Basic Insurance Amount. Currently, we do not charge a transaction fee for a decrease in the Basic Insurance Amount. A surrender charge may apply. See **<u>[Surrender Charge](#ib777c280a4234d5d899e88fe20f471f5_67)</u>** and **<u>[Decreasing the Basic Insurance Amount](#ib777c280a4234d5d899e88fe20f471f5_139)</u>**.

(d)We may charge a Contract illustration fee of up to $25 for each Contract illustration exceeding one in any Contract Year. Currently, we do not charge a transaction fee for additional Contract illustrations.

**Charges For Rider Coverage**

You may add one or more riders to the Contract. The following riders are charged for separately. See **<u>[OTHER BENEFITS AVAILABLE UNDER THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_148)</u>**.

***Accidental Death Benefit Rider*** 

We deduct a monthly charge for this rider, which provides an additional Death Benefit if the insured's death is accidental. The charge ranges from $0.0427 to $0.273 per $1,000 of coverage based on issue age and sex of the insured, and is charged until the first Contract Anniversary on or after the insured's 100<sup>th</sup> birthday.

***BenefitAccess Rider***

We deduct a monthly charge for this rider, which provides an acceleration of the Death Benefit in the event the insured is Chronically Ill or Terminally Ill. The current charge for the 2% Monthly Benefit Percentage ranges from $0.00203 to $14.74 per $1,000 of rider Net Amount At Risk. The current charge for the 4% Monthly Benefit Percentage ranges from $0.00364 to $22.11 per $1,000 of rider Net Amount At Risk. The current charge is based on the Basic Insurance Amount, Monthly Benefit Percent, and Contract duration, as well as the insured's issue age, sex, and underwriting classification. Benefit Payments made under the Terminal Illness Option of this rider will incur a transaction charge of up to $150.

***Children Level Term Rider*** 

We deduct a monthly charge for this rider, which provides term life insurance on all dependent children that are covered under this rider. The charge is $0.42 per $1,000 of coverage and is charged until the earliest of: the primary insured's death, the first Contract Anniversary on or after the primary insured's 75<sup>th</sup> birthday, and you notify us to discontinue the rider coverage. Rider charges may continue even after coverage on your last covered child has ended. If your children are no longer covered under the rider and you do not expect to have additional children who would be covered, consider discontinuing the rider.

***Enhanced Disability Benefit Rider*** 

We deduct a monthly charge for this rider, which provides a monthly benefit amount to the Contract Fund while the insured is totally disabled. The current charge is based on issue age, sex, and underwriting classification of the insured. The charge ranges from 7.08% to 12.17% of the monthly benefit amount and is charged until the first Contract Anniversary on or after the insured's 65<sup>th</sup> birthday. The monthly charge for this rider will be waived following approval of the disability claim and for the duration the claim is approved. The monthly benefit amount is the greater of: 9% of the Contract's Limited No-Lapse Guarantee Premium (including premiums for riders and flat extras) and the total of all monthly deductions.

***Lapse Protection Rider*** 

We deduct a monthly charge for this rider, which provides a conditional guarantee that, beginning in the sixth Contract Year, the Contract will be kept in force and will not lapse. The cost of insurance charge is based on the Attained Age of the insured. The current charge for this Extended No-Lapse Guarantee ranges from $0.0003 to $11.67 per $1,000 of rider Net Amount At Risk.

***Living Needs Benefit***<sup>SM</sup> ***Rider*** 

We deduct a fee of up to $150 if you exercise this rider, which allows you to receive an accelerated payment of the Death Benefit if the insured becomes terminally ill.

***Overloan Protection Rider*** 

We deduct a fee of 3.5% of your Contract Fund amount if you exercise this rider, which may guarantee protection against lapse due to Contract Debt.

**Net Interest On Loans** 

Interest charged on a loan accrues daily. We charge interest on the full loan amount, including all unpaid interest. Interest is due on the earlier of each Contract Anniversary and when the loan is paid back. The net interest on loans reflects the net difference between the interest rates charged and credited. A

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

standard loan has an effective annual interest rate of 2%. A preferred loan has an effective annual interest rate of 1.05%. All loans have an effective annual interest credit equal to 1%. See **<u>[Loans](#ib777c280a4234d5d899e88fe20f471f5_223)</u>**.

**Fund Expenses**

As described in each Fund's prospectus, fees are deducted from and expenses are paid out of the assets in the Fund. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255.

**Allocated Charges**

You may select up to two investment options from which we deduct your Contract's monthly charges. Monthly charges include the: (1) COI charge, (2) administrative charge for Basic Insurance Amount, (3) applicable rider charges, and (4) any additional mortality charge for extra risk classification. Allocations must be designated in whole percentages and total 100%. For example, 33% can be selected but 33⅓% cannot.

If there are insufficient funds in one or both of your selected investment options to cover the monthly charges, the selected investment option(s) will be reduced to zero. Any remaining charge will generally be deducted from your other investment choices proportionately to the dollar amount in each.

**Charges After Age 121**

Beginning on the first Contract Anniversary on or after the insured's 121<sup>st</sup> birthday, we will no longer accept premiums or deduct monthly charges from the Contract Fund. You may continue the Contract until the insured's death, or until you surrender the Contract for its Cash Surrender Value. You may continue to make transfers, loans, loan repayments, and withdrawals, subject to the limitations on these transactions described elsewhere in this prospectus. We will continue to make daily deductions for mortality and expense risk charges, and the Funds will continue to charge operating expenses if you have amounts in the Variable Investment Options. Any

Contract loan will remain outstanding and continue to accrue interest until it is repaid. The Contract can only lapse if Contract Debt grows to be equal to or more than the cash value.

**Commissions Paid To Broker-Dealers**

The Contract is sold through broker-dealers authorized by Pruco Securities and applicable law to do so. Pruco Securities, an indirect wholly owned subsidiary of Prudential Financial, Inc., acts as the principal underwriter of the Contract. Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration according to one or more schedules.

Compensation is based on a premium value referred to as the Commissionable Target Premium. The Commissionable Target Premium will vary based on the issue age, sex, and underwriting classification of the insured as well as the Basic Insurance Amount and certain riders selected by the Contract Owner.

Broker-dealers will receive compensation of up to 99% of premiums received in the first 12 months following the Contract Date on total premiums received since issue up to the Commissionable Target Premium, up to 22% of Commissionable Target Premium received in year two, up to 10% of the Commissionable Target Premium in years three and four, and up to 8.5% of the Commissionable Target Premium received in years five through 10. Moreover, broker-dealers will receive compensation of up to 5% on premiums received in year one, and up to 3.75% on premiums received in years two through 10 to the extent that premiums paid in any year exceed the Commissionable Target Premium.

More information on commissions and other compensation paid for distribution of the Contract is provided under **<u>[DISTRIBUTION AND COMPENSATION](#ib777c280a4234d5d899e88fe20f471f5_247)</u>**.

**PERSONS HAVING RIGHTS UNDER THE CONTRACT**

**Contract Owner**

Generally, the Contract Owner is the insured. There are circumstances when the Contract Owner is not the insured. There may also be more than one Contract Owner. If the Contract Owner is not the insured or there is more than one Contract Owner, they will be named in an endorsement to the Contract. This ownership arrangement will remain in effect unless you ask us to change it.

While the insured is living, the Contract Owner is entitled to any Contract benefit and value. Only the Contract Owner is entitled to exercise any right and privilege granted by the Contract or granted by us. For example, the Contract Owner is generally entitled to access Contract values through loans or withdrawals, assign the Contract, surrender the Contract, and to name or change the beneficiary. If the Contract is jointly owned, the exercise of any right or privilege under this Contract must be made by all Contract Owners.

payments we have made or actions we have taken before the request was received in Good Order at our Service Office or the chosen effective date of the request.

**Beneficiary**

The beneficiary is entitled to receive any benefit payable on the death of the insured. You may designate or, provided the beneficiary has not been irrevocably designated, change a beneficiary by sending us a request. If a beneficiary has been designated by you as "irrevocable" it cannot be changed thereafter without the consent of the irrevocable beneficiary. We may ask you to send us the Contract to be endorsed. Once we receive your request in Good Order at our Service Office, and the Contract if we ask for it, we will file and record the change and it will take effect as of the date you sign the request, unless a future effective date is specified by you. However, if we make any payment(s) before we receive the request in Good Order at our Service Office, or the chosen effective date of the request, we will not have to make the payment(s) again. When we are made aware of an assignment, we will recognize the assignee's rights before any claim payments are made to the beneficiary, unless the beneficiary has been irrevocably designated. When a beneficiary is designated, any relationship shown is to the insured, unless otherwise stated.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

**OTHER GENERAL CONTRACT PROVISIONS**

**Canceling the Contract ("Free Look")**

Generally, you may return the Contract for a refund within 10 days (60 days for certain circumstances) after you receive it. You will receive a refund of all premium payments made, less any applicable federal and state income tax withholding. A Contract returned according to this provision shall be deemed void from the beginning. The free-look period will be stated on the first page of your Contract.

**Assignment**

You may request an assignment of the Contract by sending us a request. We may ask you to send us the Contract to be endorsed. Once we receive your request in Good Order at our Service Office, and the Contract if we ask for it, we will file and record the change and it will take effect as of the date you sign the request, unless a future effective date is specified by you.

**Incontestability**

We will not contest the Contract after it has been in force during the insured's lifetime for two years from the Contract Date, the reinstatement date, or the effective date of any change made to the Contract that requires our approval and would increase our liability.

**Misstatement Of Age Or Sex**

If the insured's stated age or sex or both are incorrect in the Contract, we will adjust the Death Benefit payable and any amount to be paid, as required by law, to reflect the correct age and sex. Any such benefit will be based on what the most recent deductions from the Contract Fund would have provided at the insured's correct age and sex. Adjustments to the Death Benefit for misstatements of age or sex are not restricted to the incontestability provision described above.

**Suicide Exclusion**

Generally, if the insured dies by suicide within two years from the issue date, the Contract will end and we will return the premiums paid, less any Contract Debt, and less any withdrawals. If the insured dies by suicide within two years from the effective date of a reinstatement, this Contract will end without any Death Benefit paid, and we will return any reinstatement charge and any premiums paid after the reinstatement date less any Contract Debt and less any withdrawals.

**STANDARD DEATH BENEFITS**

**Types Of Death Benefit** 

You must select from two types of Death Benefit at issue. A Contract with a Type A (fixed) Death Benefit has a Death Benefit which will generally equal the Basic Insurance Amount. Favorable investment results and additional premium payments will generally increase the Cash Surrender Value and decrease the Net Amount At Risk and result in lower charges. This type of Death Benefit does not vary with the investment performance of the investment options you selected, except when the premiums you pay or favorable investment performance causes the Contract Fund to grow to the point where we may increase the Death Benefit to ensure that the Contract will satisfy the Internal Revenue Code's definition of life insurance. See **<u>[Cost Of Insurance](#ib777c280a4234d5d899e88fe20f471f5_70)</u>**, **<u>[PREMIUMS](#ib777c280a4234d5d899e88fe20f471f5_190)</u>**, and **<u>[How a Contract's Cash Surrender Value Will Vary](#ib777c280a4234d5d899e88fe20f471f5_217)</u>**.

A Contract with a Type B (variable) Death Benefit has a Death Benefit which will generally equal the Basic Insurance Amount plus the Contract Fund. Favorable investment performance and additional premium payments will generally increase your Contract's Death Benefit and Cash Surrender Value. However, the increase in the Cash Surrender Value for a Contract with a Type B Death Benefit may be less than the increase in Cash Surrender Value for a Contract with a Type A Death Benefit because a Type B Death Benefit has a greater cost of insurance charge due to a greater Net Amount At Risk. Because your Contract's Death Benefit is based in part on the value of your Contract Fund, Contract charges and unfavorable investment performance will decrease your Death Benefit and Cash Surrender Value. As long as the Contract is not in default and there is no Contract Debt, the Death Benefit may not fall below the Basic Insurance Amount stated in the Contract. We may increase the Death Benefit to ensure that the Contract will

satisfy the Internal Revenue Code's definition of life insurance. See **<u>[Cost Of Insurance](#ib777c280a4234d5d899e88fe20f471f5_70)</u>**, **<u>[PREMIUMS](#ib777c280a4234d5d899e88fe20f471f5_190)</u>**, and **<u>[How a Contract's Cash Surrender Value Will Vary](#ib777c280a4234d5d899e88fe20f471f5_217)</u>**.

The way in which the Cash Surrender Value and Death Benefit will change depends significantly upon the investment results that are actually achieved.

Contract Owners of a Contract with a Type A Death Benefit should note that any withdrawal will generally result in a reduction of the Basic Insurance Amount by the amount of the withdrawal. See **<u>[Withdrawals](#ib777c280a4234d5d899e88fe20f471f5_226)</u>**.

**Changing the Type Of Death Benefit** 

You may change the type of Death Benefit any time after issue and subject to our approval. We will increase or decrease the Basic Insurance Amount so that the Death Benefit immediately after the change matches the Death Benefit immediately before the change. The Basic Insurance Amount after a change may not be lower than the minimum Basic Insurance Amount applicable to the Contract. See **<u>[REQUIREMENTS FOR ISSUANCE OF A CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_181)</u>**. A Death Benefit type change that decreases the Basic Insurance Amount may result in the assessment of a surrender charge and may incur a transaction fee of up to $25. Currently, we do not charge a transaction fee for a decrease in Basic Insurance Amount. See **<u>[Surrender Charge](#ib777c280a4234d5d899e88fe20f471f5_67)</u>**.

If you are changing your Contract from a Type A Death Benefit to a Type B Death Benefit, we will reduce the Basic Insurance Amount by the amount in your Contract Fund on the date the change takes place.

If you are changing your Contract from a Type B Death Benefit to a Type A Death Benefit, we will increase the Basic Insurance Amount by the amount in your Contract Fund on the date the

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

change takes place. We will not allow a change to your Contract if it will cause the Death Benefit to exceed our retention limits or violate any other underwriting rule.

Changing your Contract Death Benefit type does not change the per $1,000 of Basic Insurance Amount surrender charge. See **<u>[Surrender Charge](#ib777c280a4234d5d899e88fe20f471f5_67)</u>**.

The following chart illustrates the results from a change in Death Benefit type. The chart assumes a $50,000 Contract Fund, a $300,000 Death Benefit, no applicable surrender charge, and no Contract Debt.

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| | | | |
|:---|:---|:---|:---|
| **Changing from** | **Basic Insurance Amount** | **Contract Fund** | **Death Benefit** |
| **Type A to Type B** | $300,000 to $250,000 | $50,000 to $50,000 | $300,000 to $300,000 |
| **Type B to Type A** | $250,000 to $300,000 | $50,000 to $50,000 | $300,000 to $300,000 |

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You may request a change in the type of Death Benefit by sending us a request in Good Order to our Service Office. If the change is approved, we will re-calculate the Contract's charges and appropriate tables and send you new Contract data pages. We may require you to send us your Contract before making the change. There may be circumstances under which a change in the Death Benefit type may cause the Contract to be classified as a Modified Endowment Contract, which could be significantly disadvantageous. See **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

When you submit a claim under the Chronic Illness Option of the BenefitAccess Rider, your Contract's Death Benefit type must be changed to Type A (if not already so) and remain as Type A for the duration of the Contract. See **<u>BenefitAccess Rider</u>.**

**Decreasing the Basic Insurance Amount** 

You have the option of decreasing the Basic Insurance Amount of your Contract without withdrawing any Cash Surrender Value. If a change in circumstances causes you to determine that your amount of insurance is greater than needed, a decrease will reduce your insurance protection and the monthly deductions for the cost of insurance.

The following conditions must be met:

(a)The amount of the decrease in the Basic Insurance Amount must be at least $5,000;

(b)The Basic Insurance Amount after the decrease must be at least equal to the minimum Basic Insurance Amount;

(c)The Contract must not be in default;

(d)The surrender charge on the decrease, if any, plus any transaction charge for the decrease may not exceed the Contract Fund;

(e)If we ask you to do so, you must send us the Contract to be endorsed;

(f)Your Contract must not be in force under the provisions of the Overloan Protection Rider; and

(g)You must not be receiving Benefit Payments under the Chronic Illness Option of the BenefitAccess Rider.

If we approve the decrease, we will send you new Contract data pages showing the amount and effective date of the change and the recalculated charges, values, and limitations. We may charge a transaction fee of up to $25 for each decrease in the Basic Insurance Amount. Currently, we do not charge a fee for a decrease.

We may decline a decrease in the Basic Insurance Amount if we determine it would cause the Contract to fail to qualify as life insurance for purposes of Section 7702 of the Internal Revenue Code. Also, it is important to note that if the Basic Insurance Amount is decreased, there is a possibility that the Contract will be classified as a Modified Endowment Contract. See **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**. You should consult with your tax adviser and your Pruco Life of New Jersey representative before requesting any decrease in Basic Insurance Amount.

**Death Claim Settlement Options**

The beneficiary may choose to receive death claim proceeds by any of the settlement options available at the time the proceeds become payable or by payment of a lump sum check. Any Pruco Life of New Jersey representative authorized to sell this Contract can explain all the settlement options upon request.

**When Death Benefit Proceeds Are Paid**

Generally, we will pay any Death Benefit within seven days after all the documents required for such a payment are received in Good Order at the office designated to receive that request. The Death Benefit is determined as of the date of death. The Death Benefit will reflect the amount of any Contract Debt and, if the insured dies while the Contract is in default, all unpaid monthly deductions.

We may delay payment of proceeds from the Variable Investment Option(s) and the variable portion of the Death Benefit due under the Contract if the disposal or valuation of the Account's assets is not reasonably practicable because the New York Stock Exchange is closed for other than a regular holiday or weekend, trading is restricted by the SEC, or the SEC declares that an emergency exists.

**OTHER BENEFITS AVAILABLE UNDER THE CONTRACT**

In addition to the standard death benefit(s) associated with your Contract, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about applicable fees associated with each benefit included in this table may be found in the **<u>[FEE TABLE](#ib777c280a4234d5d899e88fe20f471f5_22)</u>**.Some riders may depend on the performance of the Contract Fund. A Pruco Life of New Jersey representative can explain all of these extra benefits further. We will provide samples of the provisions upon receiving a written request.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

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| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[Limited No-Lapse Guarantee](#ib777c280a4234d5d899e88fe20f471f5_151)</u><sup>(1)</sup> | Provides limited guarantee against Contract lapse for first five Contract Years. Contract will not lapse as a result of unfavorable investment performance, subject to limitations. | Standard | • Withdrawals may void the guarantee.<br>• Outstanding Contract loans will void the guarantee.<br>• Only available if you have no Contract Debt and your Accumulated Net Payments is greater than the No-Lapse Guarantee Value. |
| <u>BenefitAccess Rider</u><sup>(1)</sup> | Provides for an acceleration of the Death Benefit if the insured becomes Chronically Ill or Terminally Ill. | Optional | • Benefits are subject to certain eligibility requirements, and approval of the claim.<br>• A minimum Basic Insurance Amount of $100,000 is required for a Contract to be issued with the BenefitAccess Rider.<br>• Not available on Contracts that include the Enhanced Disability Benefit Rider or the Living Needs Benefit<sup>SM</sup> Rider. |
| <u>[Accidental Death Benefit Rider](#ib777c280a4234d5d899e88fe20f471f5_166)</u><sup>(1)</sup> | Provides an additional Death Benefit that is payable if the insured's death is accidental. | Optional | • Death resulting from injury must occur no more than 90 days after the injury.<br>• Benefit will end on the earlier of: the end of the day before the first Contract Anniversary on or after the insured's 100<sup>th</sup> birthday and the first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office.<br>• Payments will not be paid for any death or injury that is caused or contributed to by war or an act of war.<br>• Not available on Contracts that have the Overloan Protection Rider. |
| <u>[Children Level Term Rider](#ib777c280a4234d5d899e88fe20f471f5_169)</u><sup>(1)</sup> | Provides term life insurance coverage on the life of the insured's covered children. | Optional | Coverage on each dependent insured will end on the earliest of:<br>• The end of the day before the first Contract Anniversary on or after the primary insured's 75<sup>th</sup> birthday;<br>• The end of the day before the first Contract Anniversary on or after the child's 25<sup>th</sup> birthday;<br>• The end of the day before the date a rider is converted to a new Contract; and<br>• The first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office. |
| <u>[Enhanced Disability Benefit Rider](#ib777c280a4234d5d899e88fe20f471f5_172)</u><sup>(1)</sup> | Pays a monthly benefit amount into the Contract if the insured is totally disabled. | Optional | • Coverage will end as of the first Contract Anniversary on or after the insured's 65<sup>th</sup> birthday.<br>• Payments will not be paid for any death or injury that is caused or contributed to by war or an act of war.<br>• Not available with Contracts that include the BenefitAccess Rider. |
| <u>[Lapse Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_157)</u><sup>(1)</sup> | Provides guarantee that, beginning in the sixth Contract year, Contract will be kept in force and will not lapse. | Optional | • Outstanding Contract loans will void the guarantee.<br>• Only available if the No-Lapse Guarantee Value is greater than zero and there is no Contract Debt.<br>• Investment option restrictions and limitations may apply while the rider is attached to the Contract. <br>• DCA may only be available for the first 18 months of the Contract.  |
| <u>[Living Needs Benefit](#ib777c280a4234d5d899e88fe20f471f5_175)</u><sup>SM</sup><u>[Rider](#ib777c280a4234d5d899e88fe20f471f5_175)</u><sup>(2)</sup> | Allows you to elect to receive an accelerated payment of all or part of the Death Benefit, adjusted to reflect current value, if the insured becomes terminally ill. | Optional | • Requires certification of a physician for benefits to be paid.<br>• No benefit will be payable if you are required to elect it in order to meet the claims of creditors or to obtain a government benefit.<br>• With the exception of certain business-related Contracts, this benefit is excluded from income if the insured is terminally ill.<br>• Not available with Contracts that include the BenefitAccess Rider. |

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

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| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit, continued** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[Overloan Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_178)</u><sup>(2)</sup> | If exercised, guarantees protection against Contract lapse due to loans, even if the Contract Debt exceeds the cash value of the Contract. | Optional | • Only available when Guideline Premium<sup>(3)</sup> is selected as the definition of life insurance test.<br>• Subject to various eligibility requirements, including the Contract must be in force for the later of 15 years and the Contract Anniversary after the insured's 75<sup>th</sup> birthday.<br>• If this rider is exercised, most riders will be terminated and most Contract changes and transactions will be prohibited.<br>• Not available on Contracts that have the Accidental Death Benefit Rider. |

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&nbsp;&nbsp;&nbsp;&nbsp;(1)Rider benefits will no longer be available if the rider expires or is terminated, the Contract lapses or if you choose to keep the Contract in force under the Overloan Protection Rider.

&nbsp;&nbsp;&nbsp;&nbsp;(2)Rider benefits will no longer be available if the Contract lapses.

&nbsp;&nbsp;&nbsp;&nbsp;(3)Under the Guideline Premium Test, there is a limit as to the amount of premium that can be paid into the Contract in relation to the Death Benefit. In addition, there is a minimum ratio of Death Benefit to cash value associated with this test.

**Limited No-Lapse Guarantee**

Your Contract includes a Limited No-Lapse Guarantee. This limited guarantee against lapse is available the first five Contract Years and the guarantee provides that the Contract will not lapse as a result of unfavorable investment performance, even if your Cash Surrender Value drops to zero, provided you have no Contract Debt and your Accumulated Net Payments is greater than the No-Lapse Guarantee Value (described below). Withdrawals may void the Limited No-Lapse Guarantee. Outstanding Contract loans will void the Limited No-Lapse Guarantee.

**How We Determine If You Have a Limited No-Lapse Guarantee** 

We calculate your Contract's Accumulated Net Payments (the premiums you paid less any withdrawals you took) on the Contract Date and on each Monthly Date of the first five Contract Years. For reinstated Contracts that had previously lapsed with Contract Debt, we also subtract the full amount of Contract Debt in effect at the time of default when calculating the Accumulated Net Payments. (For example, assume a Contract that lapsed with $1,000 in Contract Debt at time of default. If that Contract were reinstated and the total amount of premiums paid into the Contract since its original issue date was $3,000, and there were no withdrawals and no new outstanding loans since reinstatement, the Accumulated Net Payments would total $2,000 ($3,000 in premiums paid less $1,000 in prior Contract Debt).)

We also calculate Limited No-Lapse Guarantee Values, which are the minimum values required for the Limited No-Lapse Guarantee to be in effect. These are values used solely to determine if a Limited No-Lapse Guarantee is in effect and vary by the insured's issue age, sex, underwriting class, and any additional or substandard mortality risk, as well as the Basic Insurance Amount, Death Benefit type, and optional benefits selected. These are not cash values that you can realize by surrendering the Contract, nor are they payable Death Benefits.

On each Monthly Date, we will compare your Accumulated Net Payments to the Limited No-Lapse Guarantee Value. If your Accumulated Net Payments equal or exceed the Limited No-Lapse Guarantee Value, and there is no Contract Debt, then the Contract is kept in force, regardless of the amount in the Contract Fund.

The following table provides sample Limited No-Lapse Guarantee Values. The example assumes: (1) the insured is a female, age 65, preferred best underwriting class, with no extra risk or substandard ratings; (2) a $250,000 Basic Insurance Amount and Type A Death Benefit option; (3) no extra benefit riders have been added to the Contract; and (4) the Cash Value Accumulation Test has been elected for definition of life insurance testing. Values may be rounded to the nearest dollar.

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| | |
|:---|:---|
| **Contract Anniversary** | **Limited No-Lapse**<br>**Guarantee Value** |
| Contract Date | $0 |
| 1<sup>st</sup> | $3925 |
| 2<sup>nd</sup> | $7850 |
| 3<sup>rd</sup> | $11775 |
| 4<sup>th</sup> | $15700 |
| 5<sup>th</sup> | $19625 |

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Your Pruco Life of New Jersey representative can supply sample illustrations of various premium amounts and frequency combinations that correspond to the Limited No-Lapse Guarantee Values.

See the **<u>[Lapse Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_157)</u>** for No-Lapse Guarantee information after the first five years.

**BenefitAccess Rider**

The BenefitAccess Rider provides for the acceleration of the Death Benefit in the event the insured is Chronically Ill, subject to certain eligibility requirements, and approval of the claim ("Chronic Illness Option"). This rider will also provide acceleration of all or part of the Death Benefit if the insured becomes Terminally Ill, subject to certain eligibility requirements and approval of the claim ("Terminal Illness Option"). This rider is only available at Contract issuance and there is a charge for this rider. You may terminate this rider at any time. Canceling this rider within 30 days of receiving it will

cancel it from the start and we will refund an amount equal to any rider charges deducted. This rider is not available on Contracts that include the Enhanced Disability Benefit Rider or the Living Needs Benefit<sup>SM</sup> Rider.

Exercise of an accelerated Death Benefit option under this rider will cause a reduction in, or elimination of, the Contract's Death Benefit, cash value, and loan value as described below under ***Impact Of Rider Benefits On Contract And Riders***. Premiums or charges needed to keep the Contract in force will also be reduced based on the reduced Death Benefit. There may be

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

adverse tax consequences in the event you accelerate the Death Benefit. See **<u>[Tax Treatment Of Contract Benefits - BenefitAccess Rider](#ib777c280a4234d5d899e88fe20f471f5_241)</u>** paragraph.

This rider should be purchased for the purpose of providing Chronic Illness and Terminal Illness coverage. For Terminal Illness coverage only, consider the Living Needs Benefit<sup>SM</sup> Rider below.

***Conditions For Eligibility Of Benefit Payments:***

<u>Terminal Illness Option</u>

You are eligible to receive an accelerated benefit under this option subject to the following conditions:

&nbsp;&nbsp;&nbsp;&nbsp;(a)The Contract must be in force and the insured must be living;

&nbsp;&nbsp;&nbsp;&nbsp;(b)We must receive due proof of the insured's Terminal Illness and Written Certification from a Licensed Physician that the insured is Terminally Ill;

&nbsp;&nbsp;&nbsp;&nbsp;(c)We must receive authorization from the insured to obtain copies of any relevant medical records we may require; and

&nbsp;&nbsp;&nbsp;&nbsp;(d)You must provide the consent, in writing, of any assignee and irrevocable beneficiary(ies) on the Contract.

Your ability to receive an accelerated benefit under the Terminal Illness Option continues if you surrender your Contract for a fixed reduced paid-up contract. See **<u>[Surrender Of a Contract](#ib777c280a4234d5d899e88fe20f471f5_229)</u>**.

<u>Chronic Illness Option</u>

You are eligible to receive accelerated benefits under this option subject to the following conditions:

&nbsp;&nbsp;&nbsp;&nbsp;(a)The Contract must be in force and the insured must be living;

&nbsp;&nbsp;&nbsp;&nbsp;(b)You must not have received a Benefit Payment under the Terminal Illness Option;

&nbsp;&nbsp;&nbsp;&nbsp;(c)We must receive due proof of the insured's Chronic Illness and Written Certification from a Licensed Health Care Practitioner that the insured is Chronically Ill;

&nbsp;&nbsp;&nbsp;&nbsp;(d)We must receive authorization from the insured to obtain copies of any relevant medical records that we require;

&nbsp;&nbsp;&nbsp;&nbsp;(e)You must provide the consent, in writing, of any assignee and irrevocable beneficiary(ies) on the Contract;

&nbsp;&nbsp;&nbsp;&nbsp;(f)Benefit Payments are expected to qualify for favorable tax treatment under the Internal Revenue Code Section 101(g)(1); and

&nbsp;&nbsp;&nbsp;&nbsp;(g)The Eligibility Period must be satisfied unless waived by us. The Eligibility Period will be waived if the following conditions have been met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.The Licensed Health Care Practitioner certifies that the insured is Chronically Ill and not expected to recover from the Chronic Illness during his/her lifetime; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.All conditions of eligibility have been met and we approve the claim.

We have the right to complete, at our discretion and expense, a personal interview with and an assessment of the insured, and/or to have the insured examined by a Licensed Health Care Practitioner(s) of our choice, while a claim is pending or during a Benefit Period, to confirm due proof of Chronic Illness. We may also contact the insured's Licensed Health Care Practitioner for confirmation of continued Chronic Illness. If there is a difference in opinion between the

insured's Licensed Health Care Practitioner and ours, eligibility will be determined by a third medical opinion provided by a Licensed Health Care Practitioner who is mutually agreed upon by the insured and us.

Recertification and due written proof that the insured is Chronically Ill is required every year for Benefit Payments to continue. Approximately 90 days prior to the end of each Benefit Year, we will send you a request for written Recertification and proof of the insured's Chronic Illness. For continuous monthly Benefit Payments, you must send us the information we ask for prior to the start of the next Benefit Year to satisfy us that the conditions for eligibility continue to be met.

If we receive Recertification within 90 days after the end of a preceding Benefit Year, the new Benefit Year will begin on the Monthly Date on or following the date on which we receive the Recertification. If we do not receive Recertification within 90 days after the end of a Benefit Year, any request for benefits will be treated as a new claim, and the new Benefit Year will begin on the Monthly Date on or following the date on which all conditions of eligibility are met, including satisfaction of the Eligibility Period unless waived, and we approve the claim.

Your ability to receive an accelerated benefit under the Chronic Illness Option continues if you surrender your Contract for a fixed reduced paid-up contract. Benefit Payments will be determined based on the reduced paid-up contract's death benefit. See **<u>[Surrender Of a Contract](#ib777c280a4234d5d899e88fe20f471f5_229)</u>**.

***Benefit Payments:***

<u>Terminal Illness Option</u>

You have the option to accelerate all or a partial amount of the Death Benefit. If you accelerate a partial amount, the remaining Death Benefit must be no less than $25,000, and we reserve the right to set a minimum of no more than $50,000 on the amount of the Death Benefit you may exercise under this option. Also, if you accelerate a partial amount you may only make one additional acceleration, which must be for the full remaining Death Benefit. Accelerated Death Benefit payments under the Terminal Illness Option are made as a single lump sum Benefit Payment only.

If you choose to accelerate all or part of the Death Benefit, we will make a Benefit Payment of the present value of the amount of the Death Benefit accelerated based on the following factors: (1) the amount of the Death Benefit; (2) the insured's life expectancy of six months; and (3) a discount factor no greater than the greater of (a) the yield on 90-day federal treasury bills as of the date of payment, and (b) the maximum statutory adjustable contract loan interest rate as of the date of payment. We will make this determination based on information current as of the time we approve your request for accelerated payments. Payment will be made subject to the conditions of eligibility described above and after we have approved the claim.

If you accelerate all or a portion of the Death Benefit under this option, you will no longer be eligible for the Chronic Illness Option and any Benefit Payments you may be receiving under that option will end. If you have been receiving Benefit Payments under the Chronic Illness Option, the Death Benefit amount that we use to determine your payment under this option will be the reduced (current) amount.

If there is an outstanding loan on the Contract at the time the Benefit Payment is made, a portion of each Benefit Payment

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

will be used to reduce the loan in the same proportion as the reduction in the Death Benefit. If the Contract is in default but not past the grace period at the time of claim, the Benefit Payment will be reduced by the amount needed to bring the Contract out of default.

*See below for an example of an accelerated Benefit Payment under the Terminal Illness Option.* 

<u>Chronic Illness Option</u>

The maximum amount of your life insurance that can be accelerated is the Lifetime Benefit Amount, which is equal to the Contract's Death Benefit at the time you make the initial claim. Any transactions you make that decrease the Death Benefit of the Contract prior to your initial claim will similarly affect the Lifetime Benefit Amount.

You have the option to receive your Benefit Payments monthly or annually and payments will begin no later than the Monthly Date on or following the date the claim is approved. If there is an outstanding loan on the Contract, a portion of each Benefit Payment will be used to reduce the loan in the same proportion as the reduction in the Death Benefit.

If you choose to receive monthly Benefit Payments, the Maximum Monthly Benefit Payment for that year will be calculated at the beginning of each Benefit Year and recalculated at the beginning of each subsequent Benefit Year. Subject to a minimum payment of $500, you have the option to receive less than the Maximum Monthly Benefit Payment amount, but the amount may not be changed during the Benefit Year. An amount that is less than the maximum may extend your payment period.

When we determine the Maximum Monthly Benefit Payment amount each Benefit Year, we use the per diem limitation (maximum daily amount allowed) declared by the Internal Revenue Service ("IRS") and the Lifetime Benefit Amount. The Maximum Monthly Benefit Payment is equal to the lowest of:

&nbsp;&nbsp;&nbsp;&nbsp;(a)The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent;

&nbsp;&nbsp;&nbsp;&nbsp;(b)The per diem limitation in effect at the start date of the current Benefit Year times 30; and

&nbsp;&nbsp;&nbsp;&nbsp;(c)The Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30.

Generally, the Monthly Benefit Percent used to determine the Maximum Monthly Benefit Payment is 2%. At the time of application, you may be able to choose a Monthly Benefit Percent of 4% for the calculation of the Benefit Payment. The availability of the optional 4% Monthly Benefit Percent is limited to Contracts with Basic Insurance Amounts of $500,000 or less.

If you choose to receive your Benefit Payments on an annual basis, the annual Benefit Payment will equal the sum of the present value of each Maximum Monthly Benefit Payment for the Benefit Year. The annual Benefit Payment will therefore be less than the amount of the Maximum Monthly Benefit Payment times 12. The discount factor used to determine the present value will be the one in effect on the Benefit Year start date and will not exceed the greater of (1) the yield on 90-day federal treasury bills as of the date of payment, and (2) the maximum statutory adjustable contract loan interest rate as of the date of payment.

When you receive monthly Benefit Payments the remaining amount that can be accelerated will be reduced each month by the amount of the monthly Benefit Payment chosen. An annual Benefit Payment will reduce the remaining amount by twelve times the Maximum Monthly Benefit Payment amount for that Benefit Year.

If the Contract is in default but not past the grace period at the time of claim, the first Benefit Payment will be reduced by the amount needed to bring the Contract out of default. If the amount needed to bring the Contract out of default is more than the amount of the first Benefit Payment net of the amount allocated to reduce any Contract loan, the first Benefit Payment will be increased to an amount (up to the Maximum Monthly Benefit Payment amount) that will be applied to the amount needed to bring the Contract out of default. If the increased Benefit Payment is insufficient to bring the Contract out of default, you will need to pay the remaining amount due within the grace period to prevent the Contract from lapsing. See **<u>[LAPSE AND REINSTATEMENT](#ib777c280a4234d5d899e88fe20f471f5_235)</u>**.

If at any time while Benefit Payments are being paid the Contract Debt exceeds the cash value of the Contract, the amount of the excess will be deducted from the net Benefit Payments. If no Benefit Payment is payable during that month, or the excess Contract Debt exceeds the Benefit Payment, the Contract will be in default and a loan repayment will be required by you to keep the Contract in force.

*See below for an example of accelerated Benefit Payments under the Chronic Illness Option.* 

***When Benefit Payments End:***

<u>Chronic Illness Option</u> (only)

Benefit Payments will continue to be made until the earliest of the following:

&nbsp;&nbsp;&nbsp;&nbsp;(1)The date we receive written notification that you wish to discontinue Benefit Payments;

&nbsp;&nbsp;&nbsp;&nbsp;(2)The end of the Benefit Year after the eligibility requirements are no longer met;

&nbsp;&nbsp;&nbsp;&nbsp;(3)The end of the Benefit Year unless Recertification is received for the following year;

&nbsp;&nbsp;&nbsp;&nbsp;(4)The date the Lifetime Benefit Amount is exhausted;

&nbsp;&nbsp;&nbsp;&nbsp;(5)The date a claim is approved under the Terminal Illness Option; and

&nbsp;&nbsp;&nbsp;&nbsp;(6)Any of the events under ***Rider Or Benefits Termination*** occur.

If you request that we discontinue Benefit Payments, you will have the option to resume payments at a later date, if you meet all eligibility requirements.

***Impact Of Rider Benefits On Contract And Riders:***

Accelerating the Death Benefit will impact the benefits, values, and charges under the Contract and rider as shown below.

<u>Terminal Illness Option</u>

A one-time acceleration of a partial amount of the Death Benefit results in the following:

&nbsp;&nbsp;&nbsp;&nbsp;(1)A proportionate reduction in the Basic Insurance Amount, Contract Fund, surrender charge, No-Lapse Contract Fund, and Contract Debt.

&nbsp;&nbsp;&nbsp;&nbsp;(2)Premiums and charges to keep the Contract in force will be recalculated based on the reduced Death Benefit

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

amount. If you have an outstanding Contract loan, interest will continue to accrue.

&nbsp;&nbsp;&nbsp;&nbsp;(3)Riders to the Contract will stay in effect.

&nbsp;&nbsp;&nbsp;&nbsp;(4)The monthly charge for this rider will be permanently waived.Acceleration of the full Death Benefit results in the ending of the Contract and all benefits and riders under the Contract based on the life of the insured will end. If the Contract includes the Rider for Level Term Insurance Benefit on Dependent Children (Children Level Term Rider), it will become paid-up.

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| | | | | |
|:---|:---|:---|:---|:---|
| ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. |
| Sex and issue age: Male, 45<br>Contract Date: 11/05/2025<br>Basic Insurance Amount: $200,000 | Sex and issue age: Male, 45<br>Contract Date: 11/05/2025<br>Basic Insurance Amount: $200,000 | Underwriting classification: preferred best<br>Claim date: 12/05/2035<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 12/05/2035<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 12/05/2035<br>Death Benefit Option: Type A (fixed) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** |
|  | Contract values as of 12/05/2035 (before acceleration of Death Benefit): | Contract values as of 12/05/2035 (before acceleration of Death Benefit): | Contract values as of 12/05/2035 <br>(after acceleration of Death Benefit): | Contract values as of 12/05/2035 <br>(after acceleration of Death Benefit): |
|  | Contract values as of 12/05/2035 (before acceleration of Death Benefit): | Contract values as of 12/05/2035 (before acceleration of Death Benefit): | 100% of Death Benefit | 50% of Death Benefit |
| *Benefit Payment payable:* | - - - | - - - | *$191260* | *$95555* |
| Basic Insurance Amount: | $200000 | $200000 | $0 | $100000 |
| Contract Debt: | $1040 | $1040 | $0 | $520 |
| Death Benefit: | $198960 | $198960 | $0 | $99480 |
| Contract Fund: | $12200 | $12200 | $0 | $6100 |
| Surrender charge: | $860 | $860 | $0 | $430 |
| Cash value: | $11340 | $11340 | $0 | $5670 |
| Cash Surrender Value: | $10300 | $10300 | $0 | $5150 |
| Annual premium: | $1588 | $1588 | $0 | $857 |

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<u>Chronic Illness Option</u>

Each Benefit Payment made results in the following (while there is a Death Benefit remaining):

&nbsp;&nbsp;&nbsp;&nbsp;(1)The Contract will remain in force in accordance with Contract terms.

&nbsp;&nbsp;&nbsp;&nbsp;(2)Riders to the Contract will stay in effect.

&nbsp;&nbsp;&nbsp;&nbsp;(3)As reflected in the reduction factor formula below, the Basic Insurance Amount, Death Benefit, Contract Fund, No-Lapse Contract Fund, surrender charge, and any outstanding Contract Debt will be reduced in the same proportion as the Death Benefit is reduced by each Benefit Payment.

&nbsp;&nbsp;&nbsp;&nbsp;(4)The monthly charge for this rider will be permanently waived following approval of the initial claim.

&nbsp;&nbsp;&nbsp;&nbsp;(5)While you are receiving Benefit Payments, all monthly charges deducted from the Contract Fund and No-Lapse

Contract Fund will be waived. Monthly charges will be waived until you notify us to discontinue Benefit Payments, the insured fails to recertify, or this rider terminates. Once you have received 25 monthly Benefit Payments or the annual equivalent, all monthly charges for the Contract will be permanently waived as long as this rider is in effect, even if subsequent Benefit Payments are no longer made.

&nbsp;&nbsp;&nbsp;&nbsp;(6)If you have an outstanding Contract loan, interest will continue to accrue.

&nbsp;&nbsp;&nbsp;&nbsp;(7)While you are receiving Benefit Payments, you may not take a withdrawal or decrease the Contract's Basic Insurance Amount.

&nbsp;&nbsp;&nbsp;&nbsp;(8)You may make premium payments while you are receiving Benefit Payments.

Reduction factor = 1 - (A / B)

Where:&nbsp;&nbsp;&nbsp;&nbsp;A = is the gross Chronic Illness Option Benefit Payment, and

&nbsp;&nbsp;&nbsp;&nbsp;B = is the Death Benefit immediately prior to the Benefit Payment.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

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| | | | |
|:---|:---|:---|:---|
| ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. |
| Sex and issue age: Male, 45<br>Contract Date: 11/05/2025<br>Basic Insurance Amount: $500,000 | Sex and issue age: Male, 45<br>Contract Date: 11/05/2025<br>Basic Insurance Amount: $500,000 | Underwriting classification: preferred best<br>Claim date: 12/05/2036<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 12/05/2036<br>Death Benefit Option: Type A (fixed) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Year ($420 for 2025, increasing to $522.22 by 2036 assuming a 2% annual inflation rate) times 30: $522.22 x 30 = **$15,666.60)**; and<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $420, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $646.57: $646.57 x 30 = **$19,397.10**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Year ($420 for 2025, increasing to $522.22 by 2036 assuming a 2% annual inflation rate) times 30: $522.22 x 30 = **$15,666.60)**; and<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $420, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $646.57: $646.57 x 30 = **$19,397.10**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Year ($420 for 2025, increasing to $522.22 by 2036 assuming a 2% annual inflation rate) times 30: $522.22 x 30 = **$15,666.60)**; and<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $420, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $646.57: $646.57 x 30 = **$19,397.10**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Year ($420 for 2025, increasing to $522.22 by 2036 assuming a 2% annual inflation rate) times 30: $522.22 x 30 = **$15,666.60)**; and<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $420, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $646.57: $646.57 x 30 = **$19,397.10**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) |
|  | Contract values as of 12/05/2036<br>(before acceleration of Death Benefit): | Contract values as of 12/05/2036<br>(before acceleration of Death Benefit): | Contract values as of 12/05/2036<br>(after acceleration of Death Benefit): |
| *Benefit Payment payable:* | - - - | - - - | $9979.20 |
| Basic Insurance Amount: | $500000 | $500000 | $490,000 (500,000 x 0.9800) |
| Contract Debt: | $1040 | $1040 | $1,019.20 (1,040 x 0.9800) |
| Death Benefit: | $498960 | $498960 | $488980.80 |
| Contract Fund: | $20000 | $20000 | $19,600 (20,000 x 0.9800) |
| Surrender charge: | $3350 | $3350 | $3,283.00 (3,350 x 0.9800) |
| Cash value: | $16650 | $16650 | $16317 |
| Cash Surrender Value: | $15610 | $15610 | $15298 |
| Annual premium: | $3816 | $3816 | $3734 |

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If the Contract to which the rider is attached has a Type A (fixed) Death Benefit, when this option is exercised, the Basic Insurance Amount will be changed to equal the Type A Death Benefit (if not already so). If the Contract to which this rider is attached has a Type B (variable) Death Benefit, when this option is exercised, the Death Benefit will be changed to a Type A Death Benefit and the Basic Insurance Amount will be changed to equal the Type A Death Benefit. Once you have exercised the Chronic Illness Option, the Contract's Death Benefit type must remain Type A.

When you submit a claim under the Chronic Illness Option, you must authorize a transfer of all Contract value from the Variable Investment Options to the Fixed Rate Option. You will not receive Benefit Payments if you do not transfer all Contract value from the Variable Investment Options to the Fixed Rate Option and all Contract value must remain in the Fixed Rate Option while receiving Benefit Payments. Additional premium payments or loan repayments must also be allocated to the Fixed Rate Option while your claim is reviewed and while you are receiving Benefit Payments. Fund transfers, dollar cost averaging, and automatic rebalancing will not be allowed.

Any decrease to the Contract's Basic Insurance Amount occurring after Benefit Payments have been made will reduce

the Lifetime Benefit Amount and the remaining benefits available.

After an acceleration of the Lifetime Benefit Amount, any Rider for Level Term Insurance Benefit on Dependent Children (Children Level Term Rider) will become paid up and all benefits and other riders under the Contract based on the life of the insured will end.

***Rider Or Benefits Termination:***

This rider terminates on the date of the earliest to occur:

(1)you request in writing that we remove it;

(2)full acceleration of the Death Benefit is made due to Terminal Illness;

(3)the death of the insured;

(4)the Contract is in default and the grace period ends (Contract lapsed); and

(5)the Contract ends as described in **<u>[Canceling the Contract](#ib777c280a4234d5d899e88fe20f471f5_115)</u>** or **<u>[Surrender Of a Contract](#ib777c280a4234d5d899e88fe20f471f5_229)</u>**, or for any other reason.

When this rider is terminated, if Benefit Payments are discontinued, or the claim is not approved, your Contract may still be in force. The Death Benefit and Contract Fund values will have been reduced as a result of any Benefit Payments made prior to the date we stop payments or this rider

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

terminates, and Contract value will remain in the Fixed Rate Option. At that time, you may transfer funds from the Fixed Rate Option to your choice of the available Variable Investment Options. Your first transfer from the Fixed Rate Option will not be subject to the Fixed Rate Option restrictions described in the subsection titled **<u>[Transfers And Restrictions On Transfers](#ib777c280a4234d5d899e88fe20f471f5_205)</u>.** You may also allocate new premium payments and loan repayments to the available Variable Investment Options of your choice. You must notify us if you wish to resume Contract Fund allocations to the Variable Investment Options or change your premium allocation.

Further, if you request that we remove this rider, choose to discontinue Benefit Payments, or if the insured no longer has a Chronic Illness or fails to recertify before you have received 25 monthly Benefit Payments or the annual equivalent, deductions and monthly charges from the Contract Fund and No-Lapse Contract Fund will resume and you may need to make additional payments into the Contract to protect it from lapse.

**Accidental Death Benefit Rider** 

The Accidental Death Benefit Rider provides an additional Death Benefit that is payable if the insured's death is accidental, as defined in the benefit provision. The rider provides a fixed dollar benefit in an amount set forth in your Contract's data pages. A death resulting from injury must occur no more than 90 days after the injury. This benefit will end on the earlier of: the end of the day before the first Contract Anniversary on or after the insured's 100<sup>th</sup> birthday and the first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office. This rider is not available on Contracts that have the Overloan Protection Rider.

We will not pay a benefit under this rider for any death or injury that is caused or contributed to by war or act of war, declared or undeclared, including resistance to armed aggression. This restriction includes service in the armed forces of any country at war.

**Children Level Term Rider** 

The Children Level Term Rider provides term life insurance coverage on the life of the insured's dependent children, as defined in the benefit provision. The rider provides a fixed dollar benefit in an amount set forth in your Contract's data pages. The rider coverage on each dependent insured will end on the earliest of: (1) the end of the day before the first Contract Anniversary on or after the primary insured's 75<sup>th</sup> birthday, (2) the end of the day before the first Contract Anniversary on or after the child's 25<sup>th</sup> birthday, (3) the end of the day before the date a rider is converted to a new Contract, and (4) the first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office.

**Enhanced Disability Benefit Rider** 

The Enhanced Disability Benefit Rider pays a monthly benefit amount into the Contract Fund if the insured is totally disabled, as defined in the benefit provision. On each Monthly Date the monthly benefit amount is the greater of: 9% of the Contract's Limited No-Lapse Guarantee Premium (including premiums for riders and flat extras) and the total of the monthly deductions. This rider is not available on Contracts that include the BenefitAccess Rider or with an insured age 60 and older at issue.

The rider coverage will end as of the first Contract Anniversary on or after the insured's 65<sup>th</sup> birthday. For total disability occurring on or after the first Contract Anniversary following

the insured's 60<sup>th</sup> birthday, payments will only be made until the month before the first Contract Anniversary following the insured's 65<sup>th</sup> birthday and while the insured remains totally disabled.

For example, assume a Contract where:

1. the insured is a male, age 45 at Contract issuance, preferred best underwriting classification with no extras;

2. a $250,000 Basic Insurance Amount and no other riders;

3. the insured becomes disabled at age 55; and

4. at the time of claim the Limited No-Lapse Guarantee Premium is $1,500 and the total of the monthly deductions (not including this rider) is $150 (these figures are illustrative and not guaranteed).

In this hypothetical scenario, since 9% of the Limited No-Lapse Guarantee Premium ($135) is less than the total of the monthly deductions, upon approval of the disability claim, we will pay a monthly benefit amount of $150 into the Contract Fund. The monthly benefit amount will be recalculated on each Monthly Date for the duration of the claim.

We will not pay a benefit under this rider for any injury or disability that is caused or contributed to by war or act of war, declared or undeclared, including resistance to armed aggression. This restriction includes service in the armed forces of any country at war.

**Lapse Protection Rider**

The Lapse Protection Rider provides conditional protection against Contract lapse. Under the Lapse Protection Rider, beginning in the sixth Contract Year, we agree to keep your Contract in force and guarantee that your Contract will not lapse, as long as the No-Lapse Guarantee Value is greater than zero and there is no Contract Debt. This Extended No-Lapse Guarantee lasts through age 90 and ends on the Contract Anniversary on or following the insured's 91<sup>st</sup> birthday.

On the Contract Date and on each Monthly Date thereafter, we will calculate your No-Lapse Guarantee Value, which is equivalent to your No-Lapse Contract Fund. Your No-Lapse Contract Fund is the accumulated value of the no-lapse net premium amounts, plus no-lapse interest, and minus the monthly no-lapse charges. Additionally, the No-Lapse Contract Fund is adjusted for any withdrawals and loans. Beginning in the sixth Contract Year, if the No-Lapse Guarantee Value is greater than zero and there is no Contract Debt, your Contract will remain in force until the next Monthly Date, even if you experience poor investment results and your Cash Surrender Value falls to zero or less.

For example assume a Contract where:

1. The Single No-Lapse Premium or Modal No-Lapse Premium is paid on or before the due date(s) (these illustrated premium amounts will provide lapse protection for the duration of the guarantee);

2. an average Contract Fund net rate of return (all years) of 0%; and

3. no loans, withdrawals, or Contract changes.

In this example, because the required premium amount to maintain the no-lapse guarantee was paid on or before the scheduled due date, and there is no Contract Debt, withdrawals, or Contract changes, the Contract will not lapse due to poor investment results. As long as you continue to make the required no-lapse premium payments on or before the due date, this no-lapse guarantee will remain in effect until its specified end date.

------

**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

Your Pruco Life of New Jersey representative can supply sample illustrations of various premium amount and frequency combinations that will keep your Contract in force under the Lapse Protection Rider.

Under the Lapse Protection Rider, premiums are applied to your No-Lapse Contract Fund as of the date they are received. For any premium we receive in the 60-day period preceding a Contract Anniversary on which the premium charge decreases, we will subtract a no-lapse premium charge no greater than the amount we would subtract if that premium were received on the Contract Anniversary.

**We reserve the right to impose transfer restrictions and allocation limitations on all premiums and other payments.** Currently, we do not restrict transfers or limit allocations.

Your No-Lapse Guarantee Value is calculated solely to determine whether your Contract is in force or in default. These are not cash values that you realize by surrendering the Contract, nor are they payable as Death Benefits, and they do not change your Contract values. The process to calculate your No-Lapse Guarantee Value is similar to the process that determines your actual Contract values, however, the No-Lapse Guarantee Value will not be impacted by any investment loss or gain of the Contract Fund.

Like the Contract's actual monthly charges, the no-lapse monthly charges applied to the No-Lapse Contract Fund vary based on Basic Insurance Amount, optional benefits selected, and the issue age, sex, and underwriting classification of the insured. The no-lapse monthly charges are used only to determine whether your Contract is in default and does not affect your actual Contract values or charges. The monthly no-lapse charges that are specific to your Contract will appear in the section titled Lapse Protection Rider Data in your Contract. For Contracts receiving monthly benefits under the Enhanced Disability Benefit Rider, the No-Lapse Contract Fund will be credited on each Monthly Date with an amount equal to the no-lapse charges for that Monthly Date.

If the Cash Surrender Value is zero or less and 1) the No-Lapse Guarantee Value equals zero or less, or 2) the No-Lapse Guarantee Value is greater than zero and you have Contract

Debt, your Contract will be in default. If you take withdrawals and loans from your Contract, you increase the risk that your Contract will go into default. See **<u>[LAPSE AND REINSTATEMENT](#ib777c280a4234d5d899e88fe20f471f5_235)</u>**.

If you elected the Guideline Premium Test for the definition of life insurance test, you may not be able to pay enough to get the guarantee for the duration you desire without violating the definition of life insurance. This is not true when choosing the Cash Value Accumulation Test for the definition of life insurance. See **<u>[PREMIUMS](#ib777c280a4234d5d899e88fe20f471f5_190)</u>** and **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

**Living Needs Benefit**<sup>SM</sup> **Rider** 

The Living Needs Benefit<sup>SM</sup> Rider allows you to elect to receive an accelerated payment of all or part of the Contract's Death Benefit, adjusted to reflect current value, when the insured is terminally ill. The adjusted Death Benefit will always be less than the Death Benefit, but will not be less than the Contract's Cash Surrender Value. This rider may be added after Contract issuance, subject to our underwriting requirements. This rider is not available with Contracts that include the BenefitAccess Rider or with an insured age 60 and older at issue.

The terminal illness benefit is available on the Living Needs Benefit<sup>SM</sup> Rider when a licensed physician certifies the insured as terminally ill with a life expectancy of six months or less. When that evidence is provided and confirmed by us, we will provide an accelerated payment of the portion of the Death Benefit selected by the Contract Owner as a Living Needs Benefit<sup>SM</sup>. The Contract Owner will receive this benefit in a single sum.

All or part of the Contract's Death Benefit may be accelerated. If the benefit is only partially accelerated, a Death Benefit of at least $25,000 must remain under the Contract. The minimum amount that may be accelerated for a Living Needs Benefit<sup>SM</sup> claim is $50,000. However, we currently have an administrative practice to allow a reduced minimum of $25,000. We reserve the right to discontinue this administrative practice in a non-discriminatory manner and we will notify you prior to discontinuing this practice.

---

| | | | |
|:---|:---|:---|:---|
| **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. |
| Sex and issue age: male, 45<br>Contract Date: 11/05/2025<br>Basic Insurance Amount: $200,000 | Sex and issue age: male, 45<br>Contract Date: 11/05/2025<br>Basic Insurance Amount: $200,000 | Underwriting classification: preferred best<br>Claim date: 12/05/2035<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 12/05/2035<br>Death Benefit Option: Type A (fixed) |
| These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): |
|  |  | **LNB Terminal Illness Benefit\*** | **LNB Terminal Illness Benefit\*** |
| % of Death Benefit accelerated: | % of Death Benefit accelerated: | 100% | 50% |
| **Accelerated Death Benefit payment:** | **Accelerated Death Benefit payment:** | **$191260** | **$95555** |
|  | Contract values before acceleration: | Contract values after acceleration of Death Benefit: | Contract values after acceleration of Death Benefit: |
| Basic Insurance Amount: | $200000 | $0 | $100000 |
| Contract Debt: | $1040 | $0 | $520 |
| Death Benefit: | $198960 | $0 | $99480 |
| Contract Fund: | $12200 | $0 | $6100 |
| Surrender charge: | $860 | $0 | $430 |
| Cash value: | $11340 | $0 | $5670 |

---

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

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| | | | |
|:---|:---|:---|:---|
| Cash Surrender Value: | $10300 | $0 | $5150 |
| Annual premium: | $1588 | $0 | $857 |

---

\*An assumed six month life expectancy always applies.

No benefit will be payable if you are required to elect it in order to meet the claims of creditors or to obtain a government benefit. We can furnish details about the amount of Living Needs Benefit<sup>SM</sup> that is available to an eligible Contract Owner, and the effect on the Contract if less than the entire Death Benefit is accelerated.

You should consider whether adding this settlement option is appropriate in your given situation. Adding the Living Needs Benefit<sup>SM</sup> to the Contract has no adverse consequences; however, electing to use it could. With the exception of certain business-related Contracts, the Living Needs Benefit<sup>SM</sup> is excluded from income if the insured is terminally ill as defined in any applicable tax law. You should consult a tax adviser before electing to receive this benefit. Receipt of a Living Needs Benefit<sup>SM</sup> payment may also affect your eligibility for certain government benefits or entitlements.

**Overloan Protection Rider**

The Overloan Protection Rider guarantees protection against lapse due to loans, even if the Contract Debt exceeds the cash value of your Contract Fund. This rider is not available on Contracts that have the Accidental Death Benefit Rider and is only available when Guideline Premium is selected as the definition of life insurance test.

The following eligibility requirements must be met to exercise the rider:

(a)We must receive a written request in Good Order to exercise the rider benefits;

(b)Contract Debt must exceed the Basic Insurance Amount;

(c)The Contract must be in force for at least 15 years and the exercise date must be on or after the Contract Anniversary following the insured's 75<sup>th</sup> birthday;

(d)Contract Debt must be a minimum of 95% of the cash value;

(e)The Cash Surrender Value must be sufficient to pay the cost of exercising the rider; and

(f)Your Contract must not be classified as a Modified Endowment Contract and must not qualify as a Modified Endowment Contract as a result of exercising this rider.

We will send you a notification upon your becoming eligible for this benefit.

When you exercise the rider, the effective date will be the next date that monthly charges are deducted following our receipt of your request in Good Order at a Service Office. After the rider is exercised we will waive any Contract charges or unpaid loan interest that would otherwise cause the Contract Debt to exceed the cash value. Decreases to your Basic Insurance Amount, rating reductions, and withdrawals will no longer be permitted. All riders to the Contract will be terminated and any rider benefits you are receiving will be discontinued, except the Living Needs Benefit<sup>SM</sup> Rider.

Any unloaned Contract Fund value remaining in the Variable Investment Options will be transferred to the Fixed Rate Option. Additionally, fund transfers into any of the Variable Investment Options will no longer be permitted. Any auto-

rebalancing, dollar cost averaging, allocated charges, or premium allocation instructions will be discontinued.

Premium payments will no longer be accepted for the Contract. Instead, all payments received will be applied as loan or loan interest repayments. We will no longer send any regularly scheduled bills and premium payments by electronic fund transfer will be cancelled.

If you have a Type B (variable) Death Benefit, we will change it to a Type A (fixed) Death Benefit. You will no longer be permitted to make Death Benefit changes as long as your Contract remains in force under the Overloan Protection Rider. The Basic Insurance Amount will be set equal to the Death Benefit at the time the rider is exercised. From that point onward, the Death Benefit will be the greater of the Type A Death Benefit and the amount of the Contract Debt multiplied by the Attained Age factor that applies. The Attained Age factors are shown in your Contract. See **<u>[Types Of Death Benefit](#ib777c280a4234d5d899e88fe20f471f5_133) Death Benefit</u>** and **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

If you exercise this rider, you may no longer execute the reduced paid-up option. Doing so would cause the Contract to be classified as a Modified Endowment Contract. See **<u>[Surrender Of a Contract](#ib777c280a4234d5d899e88fe20f471f5_229)</u>**.

The following hypothetical example illustrates the impacts to the Contract when exercising this rider. The example assumes a Contract that includes this rider, meets the eligibility requirements listed above, and an insured with an Attained Age of 75.

---

| | | |
|:---|:---|:---|
| **Example of exercising the Overloan Protection Rider** | **Example of exercising the Overloan Protection Rider** | **Example of exercising the Overloan Protection Rider** |
| **Contract values (current)** | **Before** | **After** |
| Death Benefit Type: | Type B | Type A |
| Basic Insurance Amount: | $250000 | $515000 |
| Contract Fund: | $265000 | $255725<sup>(1)</sup> |
| Surrender charge: | $0 | $0 |
| Cash value: | $265000 | $255725<sup>(1)</sup> |
| Contract Debt: | $255000 | $255000 |
| Cash Surrender Value: | $10000 | $725<sup>(1)</sup> |
| Death Benefit: | $515000 | $515000 |
| Net Death Benefit: | $260000 | $260000 |
| Other riders: | Yes | No<sup>(2)</sup> |

---

(1)A fee equaling 3.5% of the Contract Fund has been deducted for exercising the rider. In this example the charge was $9,275.

(2)The Living Needs Benefit<sup>SM</sup> Rider is the only rider that will continue to be available.

Please note that the IRS may take a position that the outstanding loan balance should be treated as a distribution when the Contract Owner elects the Overloan Protection Rider benefit. Distributions are subject to income tax. Were the IRS to take this position, we would take reasonable steps to attempt to avoid this result, including modifying the Contract's loan provisions, but cannot guarantee that such efforts would be successful. You should consult a tax adviser as to the tax risks associated with exercising the Overloan Protection Rider.

**REQUIREMENTS FOR ISSUANCE OF A CONTRACT** 

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

Generally, the Contract may be issued on insureds through age 85. Currently, the minimum Basic Insurance Amount for a Contract issued for insureds ages 18 through 75 is $75,000 ($50,000 for insureds issue ages 0 through 17, $100,000 for insureds issue ages 76 through 80, and $250,000 for insureds issue ages 81 and above). For Contracts issued with the BenefitAccess Rider, the minimum Basic Insurance Amount is $100,000.

We require evidence of insurability, which may include a medical examination, before issuing any Contract. Preferred best nonsmokers are offered more favorable cost of insurance rates than smokers. We charge a higher cost of insurance rate and/or an extra amount if an additional mortality risk is involved. We will not allow a change to your Contract if it will cause the Death Benefit to exceed our retention limits or violate any other underwriting rule. These are the current underwriting requirements. We reserve the right to change them on a non-discriminatory basis.

**Underwriting Procedures**

When you express interest in obtaining a Contract from us, you may apply for coverage through either (1) a long form application or (2) our worksheet process. When using the long form application, a registered representative completes a full application and submits it to us to commence the underwriting process. A registered representative is an agent/broker who is a representative of a broker-dealer authorized to sell Contracts. When using the worksheet process, a registered representative typically collects enough information to start the underwriting process. The remaining information is obtained directly from the proposed insured.

Regardless of the underwriting process followed, once we receive the necessary information, which may include physicians' statements, medical examinations from physicians or paramedical vendors, test results, and other information, we will make a decision regarding our willingness to accept the risk, and the price at which we will accept the risk. We will issue the Contract when the risk has been accepted and priced.

Some requests for coverage that registered representatives submit through the worksheet process may qualify for accelerated underwriting. We will use information you provide on your application, information from third party information providers and other information to determine if we will accept the risk without a medical exam, which would otherwise be required. Depending on your circumstances, accelerated underwriting could affect our willingness to accept the risk. Also, this may result in lower or higher Contract costs since the information we collect may be different than what we collect for applications that do not use accelerated underwriting.

**Contract Date**

There is no insurance under this Contract until the minimum initial premium is paid. If a medical examination is required, the Contract Date will ordinarily be the date the examination is completed. Under certain circumstances, we may allow the Contract to be backdated up to six months prior to the application date for the purpose of lowering the insured's issue age. This may be advantageous for some Contract Owners as a lower issue age may result in lower current charges.

**PREMIUMS**

The Contract offers flexibility in paying premiums. If you make a payment that is too large that would cause the Contract to be characterized as a Modified Endowment Contract (under Section 7702A of the Internal Revenue Code), you must remove the excess premium and any accrued interest within the timeframe prescribed by tax law. If you do not timely remove the excess premium and accrued interest, your Contract will become permanently characterized as a Modified Endowment Contract. Upon your authorization, we will take action necessary to prevent the Contract from becoming a Modified Endowment Contract. We reserve the right to refuse to accept any payment that would require us to increase the Death Benefit (under Section 7702 of the Internal Revenue Code) by more than the payment increases the Contract Fund. We will not accept a premium payment that exceeds the Guideline Premium Limit if your Contract uses the Guideline Premium definition of life insurance. See **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

**Minimum Initial Premium**

The minimum initial premium is due on or before the Contract Date. It is the premium needed to start the Contract. The minimum initial premium is equal to 8.6% of the Limited No-Lapse Guarantee Premium, including all extras and additional premiums for optional riders and benefits. We may require an additional premium if deductions from the premium payments and any Contract Fund charges due on or before the payment date exceed the minimum initial premium. There is no insurance under the Contract unless the minimum initial premium is paid. Thereafter, you decide when to make premium payments and, subject to a $25 minimum, in what amounts.

Generally, the net amount of the minimum initial premium will be placed in the Contract Fund as of the Contract Date. If we do not receive your initial premium on or before the Contract Date, we apply the initial premium to your Contract as of the end of the Valuation Period in which it is received in Good Order at the Payment Office. See **<u>[Allocation Of Premiums](#ib777c280a4234d5d899e88fe20f471f5_199)</u>**. In no case will the premium be applied with an effective date that precedes the date of this offering.

**Available Types Of Premium**

After the minimum initial premium is paid, no other specific premiums are required and you have a certain amount of flexibility with respect to the amount and timing for subsequent premium payments. However, if you choose to maintain the Limited No-Lapse Guarantee or have selected the Lapse Protection Rider, two possible patterns of premiums are described below.

• The Single No-Lapse Premium is a premium that, if paid on the Contract Date, will keep the Contract in force for at least the duration of the guarantee period chosen, regardless of investment performance and assuming no loans, withdrawals, or Contract changes.

• The Modal No-Lapse Premiums are premiums that, if paid on the Contract Date and each modal date, will keep the Contract in force for at least the duration of the guarantee period chosen, regardless of investment performance and assuming no loans, withdrawals, or Contract changes.

You should note that either one or both of the premiums defined above may not be payable as desired if you elect the Guideline Premium Test for the definition of life insurance test. In that case, you may not be able to pay enough premium to

------

**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

obtain a guarantee for the duration you desire, without violating the definition of life insurance. If a premium payment would otherwise cause the definition of life insurance test to be violated, we will return the portion of the premium in excess of the allowable amount. This will not occur if you choose the Cash Value Accumulation Test as the definition of life insurance. If the Contract subsequently enters default, we will tell you the amount you need to pay to keep the Contract in force, and when you will need to pay that amount. It's important to know that these additional payment amounts could be substantial. See **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

We can bill you for the amount you select annually, semi-annually, or quarterly. Because the Contract is a flexible premium Contract, there are no scheduled premium due dates. When you receive a premium notice, you are not required to pay this amount, however, paying premiums in a different manner than described in a Contract illustration may shorten the duration of your lapse protection provided by the Limited No-Lapse Guarantee or the Lapse Protection Rider. When you do make a premium payment, the minimum amount that we will accept is $25.

You may also pay premiums automatically through pre-authorized monthly electronic fund transfers from a bank checking account. If you elect to use this feature, you choose the day of the month on which premiums will be paid and the premium amount. We will then draft the same amount from your account on the same date each month. When you apply for the Contract, you and your Pruco Life of New Jersey representative should discuss how frequently you would like to be billed (if at all) and for what amount.

**Premium Allocation And Limitations**

Before a Contract can be issued you are required to provide us with premium allocation instructions. On the later of the Contract Date and the end of the Valuation Period in which the initial premium is received, we deduct the premium charge from the initial premium. During the 10-day "free-look" period following your receipt of the Contract, the remainder of the initial premium and any other net premium will be allocated to the designated money market investment option available with your Contract as of the end of the Valuation Period in which it is received in Good Order at the Payment Office. The first monthly deductions are made after the remainder of the initial premium and any other net premium is allocated to the designated money market investment option**.** After the 10<sup>th</sup> day these funds, adjusted for any investment results, will be transferred out of the money market investment option and allocated according to your current premium allocation. You may allocate your net premiums to any of the available Variable Investment Options or the Fixed Rate Option. The transfer from the money market investment option on the 10<sup>th</sup> day following receipt of the Contract will not be counted as one of your 12 free transfers per Contract Year or the 20 transfers per calendar year described under **<u>[Transfers And Restrictions On Transfers](#ib777c280a4234d5d899e88fe20f471f5_205)</u>**. If the first premium is received before the Contract Date, there will be a period during which the Contract Owner's initial premium will not be invested.

The premium charge will also apply to all subsequent premium payments. The remainder of each subsequent premium payment will be invested as of the end of the Valuation Period in which it is received in Good Order at the Payment Office, in accordance with the applicable allocation instructions in effect on that date. With respect to any initial premium payment received before the Contract Date and any premium payment that is not in Good Order, we may temporarily hold the premium in a suspense account and we may earn interest on

such amount. You will not be credited interest on those amounts during that period. The monies held in the suspense account may be subject to claims of our general creditors. The premium payment will not be reduced nor increased due to market fluctuations during that period.

Your premium allocation instructions are also used for any other amounts placed into the Contract Fund, such as loan repayments, interest credits on outstanding loans, and any payments made under the Enhanced Disability Benefit Rider.

For Contracts with the Lapse Protection Rider, we reserve the right to impose premium allocation limitations on all premiums. Currently, we do not limit allocations. When you submit a claim under the Chronic Illness Option of the BenefitAccess Rider, you must allocate all payments to the Fixed Rate Option. See **<u>BenefitAccess Rider</u>**. When you exercise the Overloan Protection Rider, you must allocate all payments to the Fixed Rate Option. See **<u>[Overloan Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_178)</u>**.

Provided the Contract is neither in default nor in force under the provisions of the Overloan Protection Rider or the terms of the BenefitAccess Rider, you may change the way in which subsequent premiums are allocated by providing your request to us in Good Order at a Service Office. Allocation changes may generally be made by mail, phone, fax, or website. Contracts that are jointly owned or assigned generally cannot change premium allocations by phone, fax or website. See **<u>[Assignment](#ib777c280a4234d5d899e88fe20f471f5_118)</u>**. There is no charge for reallocating future premiums. All percentage allocations must be in whole numbers. For example, 33% can be selected but 33⅓% cannot. The total allocation to all selected investment options must equal 100%. Since net premiums and other amounts are applied on the Valuation Period in which they are received, any change to premium allocation instructions affects only premiums received on the date of a premium allocation change received in Good Order and thereafter.

**Processing And Valuing Transactions**

Pruco Life of New Jersey is generally open to process financial transactions on those days that the New York Stock Exchange ("NYSE") is open for trading. There may be circumstances where the NYSE does not open on a regularly scheduled date or time or closes at an earlier time than scheduled (normally 4:00 p.m. Eastern Time). Generally, financial transactions received in Good Order before the close of regular trading on the NYSE will be processed according to the value next determined following the close of business. Financial transactions received on a non-business day or after the close of regular trading on the NYSE will be processed based on the value next computed on the next Valuation Day.

We will not process any financial transactions involving purchase or redemption orders on days the NYSE is closed. Pruco Life of New Jersey will also not process financial transactions involving purchase or redemption orders or transfers on any day that:

• trading on the NYSE is restricted;

• an emergency, as determined by the SEC, exists making redemption or valuation of securities held in the Separate Account impractical; or

• the SEC, by order, permits the suspension or postponement for the protection of security holders.

In certain circumstances, we may need to correct the processing of an order. In such circumstances, we may incur a loss or receive a gain depending upon the price of the security when the order was executed and the price of the security when the order is corrected. With respect to any gain that may

------

**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

result from such order correction, we will retain any such gain as additional compensation for these correction services.

**Transfers And Restrictions On Transfers**

You may, up to 12 times each Contract Year, transfer amounts among the Variable Investment Options or to the Fixed Rate Option. Additional transfers may be made only with our consent. Currently, we will allow you to make additional transfers. For the first 20 transfers in a calendar year, you may transfer amounts by providing your request to us in Good Order at a Service Office. Transfers may generally be made by mail, phone, fax, or website. Contracts that are jointly owned or assigned generally cannot conduct transfers by phone, fax, or website. See **<u>[Assignment](#ib777c280a4234d5d899e88fe20f471f5_118)</u>**.

After you have submitted 20 transfers in a calendar year, we will accept subsequent transfer requests only if they are sent to us by U.S. regular mail, bear an original signature in ink, and are received in Good Order at a Service Office. After you have submitted 20 transfers in a calendar year, a subsequent transfer request by telephone, fax, or website will be rejected, even in the event that it is inadvertently processed.

Multiple transfers that occur during the same day, but prior to the end of the Valuation Period for that day, will be counted as a single transfer.

There is no transaction charge for the first 12 transfers per Contract Year among investment options. We may charge a transaction fee of up to $25 for each transfer made in excess of 12 in any Contract Year. Currently, we do not charge a fee for transfers.

We will use reasonable procedures, such as asking you to provide certain personal information provided on your application for insurance, to confirm that instructions given by telephone are genuine. We will not be held liable for following telephone instructions that we reasonably believe to be genuine. We cannot guarantee that you will be able to get through to complete a telephone transfer during peak periods such as periods of drastic economic or market change.

Currently, certain transfers effected systematically under a dollar cost averaging or an automatic rebalancing program do not count towards the limit of 12 transfers per Contract Year or the limit of 20 transfers per calendar year. In the future, we may count such transfers towards the limit.

Transfers out of the designated money market investment option will not be made until 10 days after you receive the Contract. Such transfers and any transfers due to any fund closures or mergers will not be considered towards the 12 transfers per Contract Year or the 20 transfers per calendar year.

**The Variable Investment Options and Fixed Rate Option**

Transfers to and among Variable Investment Options will take effect as of the end of the Valuation Period in which a transfer request is received in Good Order at a Service Office. The request may be in terms of dollars, such as a request to transfer $5,000 from one Variable Investment Option to another, or may be in terms of a percentage reallocation among Variable Investment Options. In the latter case, as with premium reallocations, the percentages must be in whole numbers. Transfers conducted via the website must be in percentage terms.

Generally, only one transfer from the Fixed Rate Option to the Variable Investment Options will be permitted during each Contract Year. The maximum amount per Contract you may transfer out of the Fixed Rate Option and into the Variable

Investment Options each year is the greatest of: (a) 25% of the amount in the Fixed Rate Option; (b) $5,000; and (c) the amount transferred from the Fixed Rate Option to the Variable Investment Options in the prior Contract Year (if applicable).

**Rider Considerations**

For Contracts with the Lapse Protection Rider, we reserve the right to impose transfer restrictions. Currently, we do not impose transfer restrictions.

When you submit a claim under the Chronic Illness Option of the BenefitAccess Rider, you must authorize a transfer of all Contract Fund value from the Variable Investment Options to the Fixed Rate Option. The transfer is not counted as one of the 12 transfers we allow per Contract Year and there is no charge. While your claim is reviewed and while you are receiving Benefit Payments, Contract Fund value must remain in the Fixed Rate Option. Transfers will not be allowed. See **<u>[BenefitAccess Rider](#ib777c280a4234d5d899e88fe20f471f5_160)</u>**.

If you exercise the Overloan Protection Rider, we will then transfer any amounts you have in the Variable Investment Options to the Fixed Rate Option. The transfer is not counted as one of the 12 transfers we allow per Contract Year and there is no charge. Transfers out of the Fixed Rate Option and into the Variable Investment Options will not be permitted while your Contract is kept in force under the Overloan Protection Rider. See **<u>[Overloan Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_178)</u>**.

**Other Transfer Considerations**

The Contract was not designed for professional market timing organizations, or other organizations or individuals, using programmed, large, or frequent transfers. Large or frequent transfers among Variable Investment Options in response to short-term fluctuations in markets, sometimes called "market timing", can make it very difficult for Fund advisers/sub-advisers to manage the Fund. Large or frequent transfers may cause the Fund to hold more cash than otherwise necessary, disrupt management strategies, increase transaction costs, or affect performance to the disadvantage of other Contract Owners. If we (in our own discretion) believe that a pattern of transfers or a specific transfer request, or group of transfer requests, may have a detrimental effect on the performance of the Funds, or we are informed by a Fund (e.g., by the Fund's adviser/sub-advisers) that the purchase or redemption of shares in the Fund must be restricted because the Fund believes the transfer activity to which such purchase or redemption relates would have a detrimental effect on the performance of the affected Fund, we may modify your right to make transfers by restricting the number, timing, and amount of transfers. We reserve the right to prohibit transfer requests made by an individual acting under a power of attorney on behalf of more than one Contract Owner. We will immediately notify you at the time of a transfer request if we exercise this right.

Any restrictions on transfers will be applied in a uniform manner to all persons who own Contracts like this one, and will not be waived. However, due to the discretion involved in any decision to exercise our right to restrict transfers, it is possible that some Contract Owners may be able to effect transactions that could affect Fund performance to the disadvantage of other Contract Owners.

In addition, owners of variable life insurance or variable annuity contracts that do not impose the transfer restrictions described above, might make more numerous and frequent transfers than Contract Owners who are subject to such limitations. Contract owners who are not subject to the same transfer restrictions may have the same Funds available to them, and unfavorable consequences associated with such frequent trading within the

------

**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

Funds (e.g., greater portfolio turnover, higher transaction costs, or performance or tax issues) may affect all Contract Owners.

The Funds have adopted their own policies and procedures with respect to excessive trading of their respective shares, and we reserve the right to enforce these policies and procedures. The prospectuses for the Funds describe any such policies and procedures, which may be more or less restrictive than the policies and procedures we have adopted. Under SEC rules, we are required to: (1) enter into a written agreement with each Fund or its principal underwriter that obligates us to provide to the Fund promptly upon request certain information about the trading activity of individual Contract Owners, and (2) execute instructions from the Fund to restrict or prohibit further purchases or transfers by specific Contract Owners who violate the excessive trading policies established by the Fund. In addition, you should be aware that some Funds may receive "omnibus" purchase and redemption orders from other insurance companies or intermediaries such as retirement plans. The omnibus orders reflect the aggregation and netting of multiple orders from individual owners of variable insurance contracts and/or individual retirement plan participants. The omnibus nature of these orders may limit the Funds in their ability to apply their excessive trading policies and procedures. In addition, the other insurance companies and/or retirement plans may have different policies and procedures or may not have any such policies and procedures because of contractual limitations. For these reasons, we cannot guarantee that the Funds (and thus Contract Owners) will not be harmed by transfer activity relating to other insurance companies and/or retirement plans that may invest in the Funds.

The Funds may assess a short-term trading fee in connection with a transfer out of any available Variable Investment Option if the transfer occurs within a certain number of days following the date of allocation to the Variable Investment Option. Each Fund determines the amount of the short-term trading fee and when the fee is imposed. The fee is retained by or paid to the Fund and is not retained by us. The fee will be deducted from your Contract value to the extent allowed by law. At present, no Fund has adopted a short-term trading fee.

Although our transfer restrictions are designed to prevent excessive transfers, they are not capable of preventing every potential occurrence of excessive transfer activity.

**Dollar Cost Averaging**

As an administrative practice, we offer a feature called dollar cost averaging ("DCA"). Under this feature, either fixed dollar amounts or a percentage of the amount designated for use under the DCA option will be transferred periodically from the DCA money market investment option into other Variable Investment Options available under the Contract (excluding the Fixed Rate Option). If DCA allocates money to a Variable Investment Option at a time when the Fund no longer accepts additional investments, automatic transfers to that Variable Investment Option will be directed to the designated money market investment option available with your Contract. You may choose to have periodic transfers made monthly or quarterly. DCA transfers will not begin until the Monthly Date after 10 days following your receipt of the Contract.

Each automatic transfer will take effect as of the end of the Valuation Period on the date coinciding with the periodic timing you designate provided the NYSE is open on that date. If the NYSE is not open on that date, or if the date does not occur in

that particular month, the transfer will take effect as of the end of the Valuation Period which immediately follows that date. Automatic transfers will continue until: (1) $50 or less remains of the amount designated for DCA, at which time the remaining amount will be transferred; or (2) you give us notification of a change in DCA allocation or cancellation of the feature. Currently, a transfer that occurs under the DCA feature is not counted towards the 20 transfers permitted each calendar year or the 12 free transfers permitted each Contract Year. We reserve the right to change this practice, modify the requirements, or discontinue the feature in a non-discriminatory manner. We will notify you prior to changing, modifying, or discontinuing this feature.

For Contracts with the Lapse Protection Rider, we reserve the right to impose investment option restrictions and DCA limitations. Currently, we do not impose investment option restrictions or DCA limitations.

DCA is not available to Contracts that have submitted a claim under the Chronic Illness Option of the BenefitAccess Rider or exercised the Overloan Protection Rider. See **<u>BenefitAccess Rider</u>**. DCA will not be available on Contracts kept in force under the provisions of the Overloan Protection Rider. See **<u>[Overloan Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_178)</u>**.

**Auto-Rebalancing**

As an administrative practice, we offer a feature called auto-rebalancing. This feature allows you to automatically rebalance Variable Investment Option assets at specified intervals based on percentage allocations that you choose. For example, suppose your initial investment allocation of Variable Investment Options X and Y is split 40% and 60%, respectively, and investment results cause that split to change. You may instruct that those assets be rebalanced to your original or different allocation percentages. Auto-rebalancing is not available until the Monthly Date after 10 days following your receipt of the Contract.

Auto-rebalancing can be performed on a quarterly, semi-annual, or annual basis. Each rebalance will take effect as of the end of the Valuation Period on the date coinciding with the periodic timing you designate, provided the NYSE is open on that date. If the NYSE is not open on that date, or if the date does not occur in that particular month, the transfer will take effect as of the end of the Valuation Period immediately following that date. The Fixed Rate Option cannot participate in this administrative procedure. If auto-rebalancing involves allocating to a Fund that became closed to additional investments, the auto-rebalancing feature will be turned off. Currently, a transfer that occurs under the auto-rebalancing feature is not counted towards the 20 transfers permitted each calendar year or the 12 free transfers permitted each Contract Year. We reserve the right to change this practice, modify the requirements, or discontinue the feature in a non-discriminatory manner. We will notify you prior to changing, modifying, or discontinuing this feature.

For Contracts with the Lapse Protection Rider, we reserve the right to impose investment option restrictions. Currently, we do not impose investment option restrictions.

Auto-rebalancing is not available to Contracts that have submitted a claim under the Chronic Illness Option of the BenefitAccess Rider or exercised the Overloan Protection Rider. See **<u>[BenefitAccess Rider](#ib777c280a4234d5d899e88fe20f471f5_160)</u>** and **<u>[Overloan Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_178)</u>**.

**CONTRACT VALUES**

------

**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

The total amount invested in the Contract Fund at any time consists of:

(a)the Variable Investment Options,

(b)the Fixed Rate Option, and

(c)any Contract loan.

**How a Contract's Cash Surrender Value Will Vary**

The Contract's Cash Surrender Value on any date will be the Contract Fund less any applicable surrender charge and less any Contract Debt. The Contract Fund value changes daily, reflecting:

(1) increases or decreases in the value of the Fund(s);

(2) interest credited on any amounts allocated to the Fixed Rate Option;

(3) interest credited on any loan; and

(4) the daily asset charge for mortality and expense risks assessed against the Variable Investment Options.

The Contract Fund value also changes to reflect the receipt of net premium payments and the deduction of other charges described under **<u>[CHARGES AND EXPENSES](#ib777c280a4234d5d899e88fe20f471f5_58)</u>**, any withdrawals or accelerated benefits, and any added persistency credit. See **<u>[Withdrawals](#ib777c280a4234d5d899e88fe20f471f5_226)</u>, <u>[OTHER BENEFITS AVAILABLE UNDER THE CONTRACT](#ib777c280a4234d5d899e88fe20f471f5_148)</u>**, and **<u>[Persistency Credit](#ib777c280a4234d5d899e88fe20f471f5_220)</u>**.

Upon request, we will tell you the Cash Surrender Value of your Contract. It is possible for the Cash Surrender Value of a Contract to decline to zero because of unfavorable investment performance in the Contract Fund, outstanding Contract Debt, and/or any applicable surrender charge.

**Persistency Credit**

On each Monthly Date, if your Contract has been in force at least 14 years and is not in default, we will credit your Contract Fund with an additional amount, called a persistency credit, for keeping your Contract in force. The persistency credit is based on reduced costs in later Contract Years and applies to Contracts that remain in force.

The following chart illustrates an example of a Contract with $100,000 of Contract Fund, net of outstanding loans. The persistency credit starts on the 14<sup>th</sup> Contract Anniversary and is calculated using an annual rate equal to 0.10% of the Contract Fund, net of outstanding loans, but is expressed as a monthly rate to reflect that the amount is credited monthly. The credited amount will be allocated to the investment options according to your current premium allocation.

---

| | |
|:---|:---|
| **Determination of Sample Persistency Credit** | **Determination of Sample Persistency Credit** |
| Contract Fund <br>(net of outstanding loans) | $100000.00 |
| Monthly Credit Rate | 0.00833% |
| Persistency Credit Amount | $8.33 |
| New Contract Fund<br>(net of outstanding loans) | $100008.33 |

---

On and following the 14<sup>th</sup> Contract Anniversary, if your Contract is in force, we will credit your Contract Fund with the calculated amount for that Monthly Date. If your Contract is in default or has lapsed, we will not credit your Contract with the persistency credit. The calculated amount that would have been credited during the time your Contract was in default or lapsed will not be made up if your Contract is reinstated. However, if your Contract is reinstated, we will begin calculating a persistency credit on the Monthly Date following the reinstatement date. This persistency credit will not change the status of your

Contract if your cash value is zero or less and your Contract is kept in force under the Lapse Protection Rider. No persistency credit will be calculated on the amount of any Contract loan.

**Loans**

You may borrow an amount up to the current loanable value of your Contract Fund less any existing Contract Debt using the Contract as the only security for the loan. The loan value at any time is equal to the sum of (1) 99% of the portion of the cash value attributable to the Variable Investment Options and (2) the balance of the cash value, provided the Contract is not in default. The cash value is equal to the Contract Fund less any surrender charge. A Contract in default has no loan value. There is no minimum loan amount.

Interest charged on a loan accrues daily. We charge interest on the full loan amount, including all unpaid interest. Interest is due on each Contract Anniversary or when the loan is paid back, whichever comes first. If interest is not paid when due, we will increase the loan amount by any unpaid interest. We charge interest at an effective annual rate of 2% for standard loans.

On and after the 10<sup>th</sup> Contract Anniversary, all new and existing loans will be considered preferred loans. Preferred loans are charged interest at an effective annual rate of 1.05%.

When a loan is made, an amount equal to the loan proceeds is transferred out of the Variable Investment Options and/or the Fixed Rate Option, as applicable. Unless you direct us to take the loan amount from specific investment options, and we agree, the reduction will be made proportionally based on the loanable value in each investment option. While a loan is outstanding, the amount that was transferred will continue to be treated as part of the Contract Fund. It will be credited with interest at an effective annual rate of 1%. Generally on each Monthly Date, we will increase the portion of the Contract Fund in the investment options by interest credits accrued on the loan since the last Monthly Date.

The Contract Debt is the amount of all outstanding loans plus any interest accrued, but not yet due. If, on any Monthly Date, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge, the Contract will go into default. If the Contract goes into default, we will mail you a notice stating the amount needed to keep the Contract in force. That amount will equal a premium which we estimate will keep the Contract in force for three months from the date of default. We grant a 61-day grace period from the date we mail the notice to pay the amount. If you send us a payment during the grace period and we receive it after a Monthly Date has occurred, we will credit interest to the Contract Fund from the date your Contract went into default to the date we received your payment, and then return to crediting interest on subsequent Monthly Dates. If the Contract lapses or is surrendered, the amount of unpaid Contract Debt will be treated as a distribution and will be immediately taxable to the extent of gain in the Contract. Reinstatement of the Contract after lapse will not eliminate the taxable income, which we are required to report to the IRS. See **<u>[LAPSE AND REINSTATEMENT](#ib777c280a4234d5d899e88fe20f471f5_235)</u>** and **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

If your Contract includes the Overloan Protection Rider and you meet the requirements to exercise the rider, you may have protection against lapse due to excess Contract Debt. See **<u>[Overloan Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_178)</u>**. Having Contract Debt will prevent any no-lapse guarantee from protecting the Contract from lapse. See **<u>[Limited No-Lapse Guarantee](#ib777c280a4234d5d899e88fe20f471f5_151)</u>** and **<u>[Lapse Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_157)</u>**. No persistency credit will be calculated on the amount of any Contract loans. See **<u>[Persistency Credit](#ib777c280a4234d5d899e88fe20f471f5_220)</u>**.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

Loans you take against the Contract are ordinarily treated as debt and are not considered distributions subject to tax. However, loans from Modified Endowment Contracts may be treated for tax purposes as distributions of income. See **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

Any Contract Debt will directly reduce a Contract's Cash Surrender Value and will be subtracted from the Death Benefit to determine the amount payable. In addition, even if the loan is fully repaid, it may have an effect on future Death Benefits because the investment results of the selected investment options will apply only to the amount remaining invested under those options. The longer the loan is outstanding, the greater the effect is likely to be. The effect could be favorable or unfavorable. If investment results are greater than the rate being credited on the amount of the loan while the loan is outstanding, values under the Contract will not increase as rapidly as they would have if no loan had been made. If investment results are below that rate, Contract values will be higher than they would have been had no loan been made.

Loan repayments are applied to reduce the total outstanding Contract Debt, which is equal to the principal plus accrued interest. Interest accrues daily on the total outstanding Contract Debt, and making a loan repayment will reduce the amount of interest accruing.

Loan repayments will be applied towards the loan according to when they are received. Loan interest is due on your Contract Anniversary. If we receive your loan repayment within 21 days prior to your Contract Anniversary, we will apply the repayment towards interest due. Any loan repayment amount exceeding the interest due is applied towards the existing principal amount.

If we receive your loan repayment at any time outside of 21 days prior to your Contract Anniversary, we will apply the repayment towards the principal amount. For any repayment exceeding the principal amount, we will apply the remainder of the loan repayment towards the interest due.

When you repay all or part of a loan, we will increase the portion of the Contract Fund in the investment options by the amount of the loan you repay. Interest credits accrued on the repaid portion of the loan since the last transaction date will be applied to the Contract Fund on the next Monthly Date. Any loan repayment amounts will also be reflected in your No-Lapse Guarantee Value. We will apply the loan repayment to the investment allocation used for future premium payments as of the loan repayment date. If loan interest is paid when due, it will not change the portion of the Contract Fund allocated to the investment options. We reserve the right to change the manner in which we allocate loan repayments.

Loan repayments are required when exercising either option of the BenefitAccess Rider. See **<u>BenefitAccess Rider</u>**.

**Withdrawals** 

You may withdraw a portion of the Contract's Cash Surrender Value without surrendering the Contract, subject to the following restrictions.

(1)We must receive a request for the withdrawal in Good Order at our Service Office.

(2)Your Contract's Cash Surrender Value after the withdrawal may not be less than or equal to zero after deducting (a) any charge associated with the withdrawal and (b) an amount that we estimate will be sufficient to cover two months of Contract Fund deductions.

(3)The withdrawal amount must be at least $500.

(4)The Basic Insurance Amount after withdrawals must be at least equal to the minimum Basic Insurance Amount shown in the Contract.

(5)Your Contract must not be in force under the provisions of the Overloan Protection Rider.

(6)You must not be receiving Benefit Payments under the BenefitAccess Rider.

We may charge a transaction fee of up to $25 for each withdrawal. Currently, we do not charge a fee for a withdrawal. A withdrawal may not be repaid except as a premium subject to the applicable charges. Upon request, we will tell you how much you may withdraw. Withdrawal of the Cash Surrender Value may have tax consequences. See **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

Whenever a withdrawal is made, the Death Benefit will immediately be reduced by at least the amount of the withdrawal. The withdrawal may also decrease the Basic Insurance Amount. Withdrawals from a Contract with a Type B (variable) Death Benefit will not change the Basic Insurance Amount. However, under most circumstances, withdrawals from a Contract with a Type A (fixed) Death Benefit require a reduction in the Basic Insurance Amount. It is possible a withdrawal from a Contract with a Type A Death Benefit will not decrease the Basic Insurance Amount if the Contract Fund has grown to the point where the base Contract's Death Benefit has been increased as required by the Internal Revenue Code's definition of life insurance test. See **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

The following table provides a hypothetical example of a withdrawal from a Contract with a Type A Death Benefit. The example assumes the Death Benefit was not increased to satisfy the definition of life insurance test.

---

| | | |
|:---|:---|:---|
| **Example of a Type A Death Benefit Contract Withdrawal** | **Example of a Type A Death Benefit Contract Withdrawal** | **Example of a Type A Death Benefit Contract Withdrawal** |
| Amount of withdrawal: | Amount of withdrawal: | $10000 |
| **Contract values (current)** | **Before** | **After** |
| Basic Insurance Amount: | $500000 | $490000 |
| Death Benefit amount: | $500000 | $490000 |
| Contract Fund value: | $100000 | $90000 |
| Contract surrender charge: | $5850 | $5850 |

---

No withdrawal will be permitted under a Contract with a Type A Death Benefit if it would result in a Basic Insurance Amount of less than the minimum Basic Insurance Amount shown under Contract Limitations in your Contract's data pages. It is important to note, however, that if the Basic Insurance Amount is decreased, there is a possibility that the Contract might be classified as a Modified Endowment Contract. Before making any withdrawal that causes a decrease in Basic Insurance Amount, you should consult with your tax adviser and your financial professional. See **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

Currently, we will provide an authorization form if your withdrawal request causes a decrease in Basic Insurance Amount that results in your Contract being classified as a Modified Endowment Contract. The authorization form will confirm that you are aware of your Contract becoming a Modified Endowment Contract if the transaction is completed. We will complete the transaction and send a confirmation notice after we receive the completed authorization form in Good Order at a Service Office.

When a withdrawal is made, an amount equal to the withdrawal amount (plus any associated charge) is deducted from the Variable Investment Options and/or the Fixed Rate Option, as applicable. Unless you direct us to take the

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

withdrawal from specific investment options, and we agree, the reduction of the Contract Fund will be made proportionally based on the value held in each of the Variable Investment Options and the Fixed Rate Option.

Withdrawal of any portion of the Cash Surrender Value increases the risk that the Contract Fund may be insufficient to provide Contract benefits. If such a withdrawal is followed by unfavorable investment experience, the Contract may go into default. Withdrawals will also affect whether a Contract is kept in force under the Limited No-Lapse Guarantee or Lapse Protection Rider. See **<u>[Limited No-Lapse Guarantee](#ib777c280a4234d5d899e88fe20f471f5_151)</u>** and **<u>[Lapse Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_157)</u>**.

**Surrender Of a Contract**

You may surrender your Contract at any time for its Cash Surrender Value while the insured is living. To surrender your Contract, we may require you to deliver or mail the following items in Good Order to a Service Office: (a) the Contract, (b) a signed request for surrender, (c) any tax withholding information required under federal or state law, and (d) the authorization of any assignee or irrevocable beneficiary. The Cash Surrender Value will be determined as of the end of the Valuation Period in which a surrender request is received in Good Order at a Service Office. Surrender of a Contract may have tax consequences and a surrender charge may apply. See **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>** and **<u>[Surrender Charge](#ib777c280a4234d5d899e88fe20f471f5_67)</u>**.

Fixed reduced paid-up insurance is an alternative to surrendering your Contract. Fixed reduced paid-up insurance provides paid-up insurance, the amount of which will be paid when the insured dies. There will be cash values and loan values. The loan interest rate for fixed reduced paid-up insurance is 5.5%. Upon surrender of the Contract, the amount of fixed reduced paid-up insurance depends upon the Cash Surrender Value and the insured's issue age, sex, smoker/

nonsmoker status, and the length of time since the Contract Date.

Additional requirements exist if you are exchanging your Contract for a new one at another insurance company. Specifically, we require a properly signed assignment to change ownership of your Contract to the new insurer and a request for surrender, signed by an authorized officer of the new insurer. The new insurer should submit these documents directly to us by sending them in Good Order to our Service Office. Generally, we will pay your Contract's Cash Surrender Value to the new insurer within seven days after all the documents required for such a payment are received in Good Order at our Service Office.

**When Proceeds Are Paid**

Generally, we will pay any Cash Surrender Value, loan proceeds, or withdrawal within seven days after all the documents required for such a payment are received in Good Order at the office designated to receive that request. The amount will be determined as of the end of the Valuation Period in which the necessary documents are received in Good Order at the office designated to receive that request.

We may delay payment of proceeds from the Variable Investment Option(s) if the disposal or valuation of the Account's assets is not reasonably practicable because the NYSE is closed for other than a regular holiday or weekend, trading is restricted by the SEC, or the SEC declares that an emergency exists.

We have the right to delay payment of loans, withdrawals, and the Cash Surrender Value (including surrenders of fixed reduced paid-up contracts) attributable to the Fixed Rate Option for up to six months. We will pay interest of at least 0.5% per year if such a payment is delayed for more than 10 days.

**LAPSE AND REINSTATEMENT**

We will determine the value of the Contract Fund on each Monthly Date. If the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less, the Contract is in default, unless it remains in force under the Limited No-Lapse Guarantee (first five Contract years) or the Lapse Protection Rider (beginning year six for Contracts that include the rider). See **<u>[Limited No-Lapse Guarantee](#ib777c280a4234d5d899e88fe20f471f5_151)</u>** and **<u>[Lapse Protection Rider](#ib777c280a4234d5d899e88fe20f471f5_157)</u>**. Should this happen, we will send you a notice of default setting forth the payment which we estimate will keep the Contract in force for three months from the date of default. A 61-day grace period will begin from the date the notice of default is mailed. Your payment must be received or postmarked within the 61-day grace period or the Contract will end and have no value. To prevent your Contract from lapsing, your payment must be in Good Order when received at the Payment Office. A Contract that lapses with an outstanding Contract loan may have tax consequences. See **<u>[Tax Treatment Of Contract Benefits](#ib777c280a4234d5d899e88fe20f471f5_241)</u>**.

A Contract that lapses may be reinstated within five years from the date of default, if the following conditions are met:

(a)We receive a written request for reinstatement in Good Order at our Service Office;

(b)Renewed evidence of insurability is provided on the insured, proving the insured remains at the same underwriting classification that applied at the expiration of the grace period;

(c)The insured is living on the date the Contract is reinstated; and

(d)Submission of certain payments sufficient to bring the Contract's Cash Surrender Value to zero on the date of lapse plus a premium that we estimate will cover all charges and deductions for three months from the date of reinstatement. Required payment amounts will reflect any charges due and unpaid from the period during which the Contract was supported by a no-lapse guarantee in addition to charges due and unpaid during the grace period.

If the Contract lapsed with outstanding Contract Debt, accrued loan interest due when the grace period expired must be paid. Any remaining Contract Debt will be canceled and will not be reinstated. Non-expired riders and riders not previously terminated riders may also be reinstated.

The reinstatement date will be the date we approve your request. We will deduct all required charges from your payment and the balance will be placed into your Contract Fund. We will also credit the Contract Fund with an amount equal to the surrender charge applicable as of the date of reinstatement. Following reinstatement, all Contract charges will resume based upon the current Contract Year and Attained Age of the insured. We reserve the right to change the requirements to reinstate a lapsed Contract.

**TAXES**

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

**Tax Treatment Of Contract Benefits**

This summary provides general information on the federal income tax treatment of the Contract. It is not a complete statement of what the federal income tax impact will be in all circumstances. It is based on current tax law and interpretations, which may change. It does not cover state taxes or other taxes. It is not intended as tax advice. You should consult your own tax adviser for complete information and advice.

**Treatment As Life Insurance** 

The Contract must meet certain requirements to qualify as life insurance for tax purposes. These requirements include certain definitional tests and rules for diversification of the Contract's investments. For further information on the diversification requirements, see the Taxation section in the statements of additional information for the Funds.

In order to meet the definition of life insurance rules for income tax purposes, the Contract must satisfy one of the two following tests: (1) the Cash Value Accumulation Test or (2) the Guideline Premium Test. At issue, the Contract Owner chooses which of these two tests will apply to their Contract. This choice cannot be changed thereafter.

Under the Cash Value Accumulation Test, the Contract must maintain a minimum ratio of Death Benefit to cash value. Therefore, in order to ensure that the Contract qualifies as life insurance, the Contract's Death Benefit may increase as the Contract Fund value increases. The Death Benefit, at all times, must be at least equal to the Contract Fund multiplied by the applicable Attained Age factor. Attained Age factors vary based on the Attained Age, sex, and smoker classification of the insured. For example, the Attained Age factors for a female, age 65, with a preferred best (nonsmoker) underwriting classification range from 1.54 in the first year to 1.00 at age 121 and older.

Under the Guideline Premium Test, there is a limit as to the amount of premium that can be paid into the Contract in relation to the Death Benefit. In addition, there is a minimum ratio of Death Benefit to cash value associated with this test. This ratio, however, is less than the required ratio under the Cash Value Accumulation Test. Therefore, the Death Benefit required under this test is generally lower than that of the Cash Value Accumulation Test. The Attained Age factors are based on the Attained Age of the insured. For example, the Attained Age factors for an insured age 65 range from 1.20 in the first year to 1.00 at age 95 and older.

A listing of Attained Age factors for the insured can be found on your Contract's data pages.

The selection of the definition of life insurance test most appropriate for you is dependent on several factors, including the insured's age at issue, actual Contract earnings, and whether or not the Contract is classified as a Modified Endowment Contract.

Changes in your Contract may result in your Contract being considered newly issued and require "re-testing" of a Contract under either the Cash Value Accumulation Test or Guideline Premium Test using the mandatory Commissioners Standard Ordinary Mortality Table and prescribed interest rates as of that date.

You should consult your own tax adviser for complete information and advice with respect to the selection of the definition of life insurance test.

We believe we have taken adequate steps to ensure that the Contract qualifies as life insurance for tax purposes. Generally speaking, this means that:

a.you will not be taxed on the growth of the Contract Fund unless you receive a distribution from the Contract or if the Contract lapses or is surrendered, and

b.the Contract's Death Benefit will generally be income tax free to your beneficiary. However, your Death Benefit may be subject to estate taxes.

Although we believe that the Contract should qualify as life insurance for tax purposes, there are some uncertainties, particularly because the Secretary of Treasury has not yet issued permanent regulations that bear on this question. Accordingly, we reserve the right to make changes — which will be applied uniformly to all Contract Owners after advance written notice — that we deem necessary to ensure that the Contract will qualify as life insurance or to comply with applicable federal tax law.

The Contract may not qualify as life insurance under federal tax law after the Insured has attained age 100 and may be subject to adverse tax consequences. A tax advisor should be consulted before you choose to continue the Contract after the insured reaches age 100.

**Pre-Death Distributions** 

The tax treatment of any distribution you receive before the insured's death depends on whether or not the Contract is classified as a Modified Endowment Contract.

***Contracts Not Classified As Modified Endowment Contracts***

• If you surrender the Contract or allow it to lapse, you will be taxed on the amount you receive in excess of the premiums you paid less the untaxed portion of any prior withdrawals. For this purpose, you will be treated as receiving any portion of the Cash Surrender Value used to repay Contract Debt. In other words, you will immediately have taxable income to the extent of gain in the Contract. Reinstatement of the Contract after lapse will not eliminate the taxable income which we are required to report to the IRS. The tax consequences of a surrender may differ if you take the proceeds under an income payment settlement option.

• Generally, you will be taxed on a withdrawal to the extent the amount you receive exceeds the premiums you paid for the Contract less the untaxed portion of any prior withdrawals. However, under some limited circumstances, in the first 15 Contract Years, all or a portion of a withdrawal may be taxed if the Contract Fund exceeds the total premiums paid less the untaxed portions of any prior withdrawals, even if total withdrawals do not exceed total premiums paid.

• Extra premiums for optional benefits and riders generally do not count in computing the premiums paid for the Contract for the purposes of determining whether a withdrawal is taxable.

• Loans you take against the Contract are ordinarily treated as debt and are not considered distributions subject to tax unless the Contract is surrendered or lapsed.

***Modified Endowment Contracts***

*•* The rules change if the Contract is classified as a Modified Endowment Contract. The Contract could be classified as a Modified Endowment Contract if premiums substantially in excess of Scheduled Premiums are paid or a decrease in the

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

Basic Insurance Amount is made (or a rider removed). The addition of a rider or an increase in the Basic Insurance Amount may also cause the Contract to be classified as a Modified Endowment Contract if a significant premium is paid in conjunction with an increase or the addition of a rider. We will notify you if a premium or a change in the Basic Insurance Amount would cause the Contract to become a Modified Endowment Contract and advise you of your options. You should first consult a tax adviser and your Pruco Life of New Jersey representative if you are contemplating any of these steps.

• If the Contract is classified as a Modified Endowment Contract, then amounts you receive under the Contract before the insured's death, including loans and withdrawals, are included in income to the extent that the Contract Fund before surrender charges exceeds the premiums paid for the Contract increased by the amount of any loans previously included in income and reduced by any untaxed amounts previously received other than the amount of any loans excluded from income. An assignment of a Modified Endowment Contract is taxable in the same way. These rules also apply to pre-death distributions, including loans and assignments, made during the two-year period before the time that the Contract became a Modified Endowment Contract.

• Any taxable income on pre-death distributions (including full surrenders) is subject to a 10% additional tax unless the amount is received on or after age 59½, on account of your becoming disabled or as a life annuity. It is presently unclear how the 10% additional tax provision applies to Contracts owned by businesses.

• All Modified Endowment Contracts issued by us to you during the same calendar year are treated as a single Contract for purposes of applying these rules.

• Changes in the Contract, including changes in death benefits, may require additional testing to determine whether the Contract should be classified as a Modified Endowment Contract.

**Investor Control** 

The tax law limits the amount of control you may have over choosing investments for the Contract. If this "investor control" rule is violated the Contract assets will be considered owned directly by you and lose the favorable tax treatment generally afforded life insurance. Treasury Department regulations do not provide specific guidance concerning the extent to which you may direct your investment in the particular Variable Investment Options without causing you, instead of us, to be considered the owner of the underlying assets. Because of this uncertainty, we reserve the right to make such changes as we deem necessary to assure that the Contract qualifies as life insurance for tax purposes. Any such changes will apply uniformly to affected Contract Owners and will be made with such notice to affected Contract Owners as is feasible under the circumstances.

**Income Tax Withholding** 

You must affirmatively elect that no income taxes be withheld from a pre-death distribution. Otherwise, the taxable portion of any amounts you receive will be subject to income tax withholding. You are not permitted to elect out of income tax withholding if you do not provide a social security number or other taxpayer identification number, or payment is made outside the United States. You may be subject to penalties under the estimated tax payment rules if your income tax

withholding and estimated tax payments are insufficient to cover the income tax due.

**Other Tax Considerations** 

If you transfer or assign the Contract to someone else, there may be gift, estate and/or income tax consequences. If you transfer the Contract to a person two or more generations younger than you (or designate such a younger person as a beneficiary), there may be Generation Skipping Transfer tax consequences. In addition, if you transfer your Contract to a foreign person, we are required to provide an information return regarding the transfer to you and the IRS.

Your individual situation or that of your beneficiary will determine the federal estate taxes and the state and local estate, inheritance and other taxes due if you or the insured dies.

Deductions for interest paid or accrued on Contract Debt or on other loans that are incurred or continued to purchase or carry the Contract may not be permitted under the tax law.

**BenefitAccess Rider** 

The benefits paid under the rider are intended to be treated as accelerated Death Benefits under the Internal Revenue Code Section 101(g)(1). Accelerated Benefit Payments due to Chronic Illness are subject to per diem limits imposed by the federal government and any amounts received in excess of these limits are includible in gross income. Federal tax law requires that you receive a Recertification of Chronic Illness every 12 months to retain eligibility for income tax free treatment of benefits. The rider is not intended to be a qualified long-term care insurance contract under Internal Revenue Code Section 7702B nor is it intended to eliminate the need for insurance of these types. Any benefit received under the rider may impact the recipient's eligibility for Medicaid or other government benefits. In some circumstances, accelerated benefits paid under the rider may be taxable as income. The exclusion from income tax for accelerated Death Benefits does not apply to any amounts paid to a Contract Owner other than the insured if the Contract Owner has an insurable interest with respect to the life of the insured by reason of the insured being an officer, employee or director of the Contract Owner or by reason of the insured being financially interested in any trade or business carried on by the Contract Owner. In addition, special rules apply to determine the taxability of benefits when there is more than one Contract providing accelerated benefits on account of Chronic Illness and/or other insurance contracts on the insured that will pay similar benefits, and more than one Contract Owner.

The per diem limit is determined by the federal government on an annual basis and can either increase or decrease year to year. Your benefits will be calculated using the per diem limit that is currently in effect, and that limit will apply to all payments throughout the Benefit Year. The Benefit Year is a period of twelve months that generally begins on the Monthly Date on or following the date all conditions for eligibility have been satisfied; therefore, if your payments begin in one calendar year and end in the next calendar year, it is possible that the payments made in the second calendar year could exceed the limit if that year's per diem limit is lower than the previous year's. Any excess payments above the annual limit may be taxable as income.

We do not provide tax advice. We advise you to seek the help of a professional tax adviser for assistance with any questions you may have.

**Business-Owned Life Insurance** 

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

If a business, rather than an individual, is the owner of the Contract, there are some additional rules. Business Contract Owners generally cannot deduct premium payments. Business Contract Owners generally cannot take tax deductions for interest on Contract Debt paid or accrued after October 13, 1995. An exception permits the deduction of interest on Contract loans for up to 20 key persons. The interest deduction for Contract Debt on these loans is limited to a prescribed interest rate and a maximum aggregate loan amount of $50,000 per key insured person.

For business-owned life insurance coverage issued after August 17, 2006, Death Benefits will generally be taxable as ordinary income to the extent it exceeds cost basis. Life insurance Death Benefits will continue to be generally income tax free if, prior to Contract issuance, the employer provided a prescribed notice to the proposed insured/employee, obtained the employee's consent to the life insurance, and one of the following requirements is met: (a) the insured was an employee at any time during the 12-month period prior to his or her death; (b) the insured was a director or highly compensated employee or individual (as defined in the Internal Revenue Code) at the time the contract was issued; or (c) the Death Benefits are paid to the insured's heirs or his or her designated beneficiaries (other than the employer), either directly as a Death Benefit or received from the purchase of an equity (or capital or profits) interest in the applicable contract owner. Annual reporting and record keeping requirements will apply to employers maintaining such business-owned life insurance.

**Sales Of Issued Life Insurance Contracts To Third Parties** 

If you sell your Contract to a third party who the insured does not have a substantial family, financial or business relationship with (as defined in the Internal Revenue Code and accompanying Treasury Regulations), then the sale may be considered to be a reportable policy sale.

The purchaser of your Contract in a reportable policy sale is required to submit a Form 1099-LS to us, the IRS and the seller. Once received, we are required to report your Cash Surrender Value and cost basis information with respect to the Contract as of the date of the sale to the IRS and the seller. In addition, if a sale is a reportable policy sale, then all or part of the Death Benefit will be subject to income tax and tax reported by us when paid to the beneficiary.

**Tax-Qualified Pension Plans** 

You may have acquired the Contract to fund a pension plan that qualifies for tax favored treatment under the Internal Revenue Code. Such Contracts must satisfy the minimum Basic Insurance Amount requirements outlined in the Contract and

can never be less than $10,000. Increases and decreases of the Basic Insurance Amount may be allowed under the terms of the Contract and are subject to certain conditions. The monthly charge for anticipated mortality costs and illustrated premium is the same for male and female insureds of a particular age and underwriting classification, as required for insurance and annuity Contracts sold to tax-qualified pension plans. We provided you with illustrations showing premiums and charges if you wished to fund a tax-qualified pension plan. We reserve the right to restrict the availability of certain riders for Contracts issued in connection with a tax-qualified pension plan. You should consult a qualified tax advisor before purchasing a Contract in connection with a tax-qualified pension plan to confirm, among other things, the suitability of the Contract for your particular plan.

**Company Taxes**

Under current law, we may incur state and local taxes (in addition to premium taxes) in several states. Currently, these taxes are not significant and they are not charged against the Account. If there is a material change in the applicable state or local tax laws, we may impose a corresponding charge against the Account.

In calculating our corporate income tax liability, we may derive certain corporate income tax benefits associated with the investment of company assets, including Separate Account assets, which are treated as company assets under applicable income tax law. These benefits reduce our overall corporate income tax liability. Under current law, such benefits include foreign tax credits and corporate dividend received deductions. We do not pass these tax benefits through to Contract Owners with investments in Separate Account assets because (i) the Contract Owners are not the owners of the assets generating these benefits under applicable income tax law and (ii) we do not currently include company income taxes in the tax charges you pay under the Contract.

**DISTRIBUTION AND COMPENSATION**

Pruco Securities, an indirect wholly owned subsidiary of Prudential Financial, Inc., acts as the principal underwriter of the Contract. Pruco Securities, organized as an LLC on September 22, 2003, under New Jersey law, is registered as a broker and dealer under the Securities Exchange Act of 1934 and is a registered member of the Financial Industry Regulatory Authority, Inc. ("FINRA"). (Pruco Securities is a successor company to Pruco Securities Corporation, established on February 22, 1971.) Pruco Securities' principal business address is 751 Broad Street, Newark, New Jersey 07102. Pruco Securities serves as principal underwriter of the individual variable insurance Contracts issued by us. The Contracts are sold by registered representatives who are also our appointed insurance agents under state insurance law. The Contracts are sold through other broker-dealers authorized by Pruco Securities and applicable law to do so. Registered representatives of different broker-dealers may be paid on a different basis. Pruco Securities received gross distribution revenue for its variable life insurance products of $575,994,944 in 2024, $480,489,201 in 2023, and $434,967,961 in 2022. Pruco Securities passes through the gross distribution revenue it receives to broker-dealers for their sales and does not retain any portion of it in return for its services as distributor for the Contracts. However, under a strategic relationship with an unaffiliated broker-dealer, Pruco Securities receives a portion of compensation with respect to sales of its variable life insurance products. Pruco Securities retained compensation of $4,278,834 in 2024, $4,084,003 in 2023, and $3,890,506 in 2022. Pruco Securities offers the Contract on a continuous basis.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration ("firms") according to one or more schedules. The individual representative will receive all or a portion of the compensation, depending on the practice of the firm. Compensation is based on a premium value referred to as the Commissionable Target Premium. The Commissionable Target Premium is an amount that is generally somewhat larger than a lifetime Modal No-Lapse Premium. See **<u>[Available Types Of Premium](#ib777c280a4234d5d899e88fe20f471f5_196)</u>**. The Commissionable Target Premium will vary based on the issue age, sex, and underwriting classification of the insured as well as the Basic Insurance Amount and certain riders selected by the Contract Owner.

Broker-dealers will receive compensation of up to 99% of premiums received in the first 12 months following the Contract Date on total premiums received since issue up to the Commissionable Target Premium, up to 22% of Commissionable Target Premium received in year two, up to 10% of the Commissionable Target Premium in years three and four, and up to 8.5% of the Commissionable Target Premium received in years five through 10. Moreover, broker-dealers will receive compensation of up to 5% on premiums received in year one, and up to 3.75% on premiums received in years two through 10 to the extent that premiums paid in any year exceed the Commissionable Target Premium.

Registered Representatives who sell the Contract are also appointed by and contracted with Prudential as insurance agents for the sale of the Contract, and are eligible to engage in sales of other variable and non-variable Prudential life insurance and annuity products for which they may also be eligible for compensation, subject to applicable regulatory requirements.

In addition, in an effort to promote the sale of our variable products (which may include the placement of our Contracts on a preferred or recommended company or product list and/or access to a broker-dealer's registered representatives), we or Pruco Securities may enter into compensation arrangements with certain broker-dealer firms authorized by Pruco Securities to sell the Contract, or branches of such firms, with respect to certain or all registered representatives of such firms under which such firms may receive separate compensation or reimbursement for, among other things, training of sales personnel, marketing, and administrative and/or other services they provide to us or our affiliates. To the extent permitted by applicable rules, laws, and regulations, Pruco Securities may pay or allow other promotional incentives or payments in the form of cash or non-cash compensation. These arrangements may not be offered to all firms, and the terms of such arrangements may differ between firms. You should note that firms and individual registered representatives and branch managers within some firms participating in one of these compensation arrangements might receive greater compensation for selling the Contract than for selling a different contract that is not eligible for these compensation arrangements.

A list of the names of the firms (or their affiliated broker-dealers) that we are aware of (as of December 31, 2024) that received payment or accrued a payment amount with respect to variable product business during 2024 may be found in the statement of additional information. The least amount of cash compensation paid or accrued and the greatest amount paid or accrued during 2024 were $0.01 and $46,285,549.55, respectively.

While compensation is generally taken into account as an expense in considering the charges applicable to a variable life insurance product, any such compensation will be paid by us, and will not result in any additional charge to you or to the Account. Your registered representative can provide you with more information about the compensation arrangements that apply upon the sale of the Contract.

In addition, we or our affiliates may provide compensation, payments and/or incentives to firms arising out of the marketing, sale and/or servicing of variable annuities or life insurance offered by different Prudential business units.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

**LEGAL PROCEEDINGS** 

Pruco Life of New Jersey and its affiliates are parties to various legal proceedings. In our view, none of these proceedings would be material with respect to the Contract Owner's interest in the Separate Account, nor would any of these proceedings be likely to have a material adverse effect on the Separate Account, Pruco Life of New Jersey's ability to meet our obligations under the Contracts or Pruco Securities' ability to

perform its obligations with respect to the distribution of the Contracts. For more information, see the financial statements of Pruco Life of New Jersey in the statement of additional information.

**FINANCIAL STATEMENTS**

Our audited financial statements are hereby incorporated by reference into the statement of additional information and should be considered only as bearing upon our ability to meet

our obligations under the Contract. The Account's audited financial statements are hereby incorporated by reference into the statement of additional information to this prospectus.

**ADDITIONAL INFORMATION**

We have filed a registration statement with the SEC under the Securities Act of 1933 relating to the offering described in this prospectus. This prospectus does not include all the information set forth in the registration statement. Certain portions have been omitted pursuant to the rules and regulations of the SEC. The omitted information may, however, be obtained from the SEC's Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549, by telephoning 202-551-8090, or by emailing PublicInfo@SEC.gov, upon payment of a prescribed fee.

To reduce costs, we now generally send only a single copy of prospectuses and shareholder reports to each household ("householding"), in lieu of sending a copy to each Contract Owner that resides in the household. You should be aware that you can revoke or "opt out" of householding at any time by calling 800-778-2255.

Pursuant to the delivery obligations under Section 5 of the Securities Act of 1933 and Rule 159 thereunder, Pruco Life of New Jersey delivers this prospectus to Contract Owners that reside outside of the United States. In addition, we may not market or offer benefits, features, or enhancements to prospective or current Contract Owners while outside of the United States.

You may contact us for further information at the address and telephone number inside the front cover of this prospectus. For service or questions about your Contract, please contact our Service Office at the phone number on the back cover, or at P.O. Box 7390, Philadelphia, Pennsylvania 19176.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

**APPENDIX A: Funds Available Under the Contract**

The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.Prudential.com/eProspectus. You can also request this information at no cost by calling 800-778-2255. Fund prospectuses and other information are also available from a financial intermediary (such as an insurance sales agent or broker-dealer) through which the Contract may be purchased or sold. The current expense and performance information below reflects fees and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Large-Cap Growth | **American Funds Insurance Series® Growth Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.59% | 31.61% | 18.83% | 16.58% |
| Global/International | **American Funds Insurance Series® International Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.78% | 3.16% | 1.23% | 4.01% |
| Large-Cap Value | **American Funds Insurance Series® Washington Mutual Investors Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.50%^ | 19.14% | 12.18% | 10.26% |
| Fixed Income | **AST Core Fixed Income Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *J.P. Morgan Investment Management Inc.; PGIM Fixed Income; PGIM Limited; Wellington Management Company LLP* | 0.68% | 1.44% | (0.93)% | 1.72% |
| Global/International | **AST International Equity Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *Jennison Associates LLC.; J.P. Morgan Investment Management Inc.; Massachusetts Financial Services Company; PGIM Quantitative Solutions LLC; Putnam Investment Management, LLC* | 1.00%^ | 5.46% | 5.52% | 7.25% |
| Large-Cap Blend | **AST Large-Cap Equity Portfolio** - PGIM Investments LLC; AST Investment Services, Inc. / *ClearBridge Investments, LLC.; Dimensional Fund Advisors, LP; J.P. Morgan Investment Management Inc.; PGIM Quantitative Solutions LLC* | 0.83% | 24.15% | 12.51% | 11.09% |
| Large-Cap Growth | **AST Large-Cap Growth Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *ClearBridge Investments, LLC.; Jennison Associates LLC; J.P. Morgan Investment Management Inc.; Putnam Investment Management, LLC; T. Rowe Price Associates, Inc.* | 0.86% | 30.16% | 15.38% | 15.50% |
| Large-Cap Value | **AST Large-Cap Value Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *ClearBridge Investments, LLC; Dimensional Fund Advisors, LP; J.P. Morgan Investment Management Inc.; Hotchkis & Wiley Capital Management, LLC; Putnam Investment Management, LLC* | 0.79%^ | 9.93% | 9.72% | 8.82% |
| Small-Cap Growth | **AST Small-Cap Equity Portfolio** - PGIM Investments LLC; AST Investment Services, Inc. / *Boston Partners Global Investors, Inc.; Dimensional Fund Advisors, LP; Driehaus Capital Management LLC.; Hotchkis & Wiley Capital Management, LLC; TimesSquare Capital Management, LLC* | 0.97%^ | 14.86% | 8.61% | 9.69% |
| Mid-Cap Blend | **ClearBridge Variable Mid Cap Portfolio** (Class II) - Franklin Templeton Fund Adviser, LLC / *ClearBridge Investments, LLC* | 1.06% | 9.73% | 6.35% | 7.02% |
| Fixed Income | **Fidelity® VIP Bond Index Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.39% | 1.00% | (0.72)% | N.A. |
| Large-Cap Growth | **Fidelity® VIP Contrafund**<sup>SM</sup> **Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.81% | 33.45% | 16.74% | 13.33% |
| Small-Cap Blend | **Fidelity® VIP Disciplined Small Cap Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.57% | 16.57% | 10.28% | 8.35% |
| Large-Cap Value | **Fidelity® VIP Energy Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.85% | 4.02% | 12.13% | 4.19% |

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A-i

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Asset Allocation | **Fidelity® VIP Freedom 2040 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.84% | 12.81% | 8.83% | 8.68% |
| Asset Allocation | **Fidelity® VIP Freedom 2055 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.86% | 13.61% | 9.07% | N.A. |
| Asset Allocation | **Fidelity® VIP Freedom 2065 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.87% | 13.61% | 9.07% | N.A. |
| Global/International | **Fidelity® VIP International Index Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) / *Geode Capital Management, LLC (Geode)* | 0.41% | 4.82% | 3.83% | N.A. |
| Mid-Cap Growth | **Fidelity® VIP Mid Cap Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.82% | 17.18% | 11.06% | 8.94% |
| Global Real Estate | **Franklin Global Real Estate VIP Fund** (Class 2) - Franklin Advisers, Inc. | 1.25%^ | (0.32)% | (0.30)% | 2.30% |
| Large-Cap Value | **Franklin Income VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.72%^ | 7.20% | 5.29% | 5.27% |
| Large-Cap Blend | **Franklin Rising Dividends VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.88%^ | 10.79% | 10.30% | 10.44% |
| Small-Cap Value | **Franklin Small Cap Value VIP Fund** (Class 2) - Franklin Mutual Advisers, LLC  | 0.90%^ | 11.71% | 8.36% | 8.17% |
| Fixed Income | **Franklin U.S. Government Securities VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.78% | 1.37% | (0.52)% | 0.53% |
| Large-Cap Blend | **MFS® Emerging Markets Equity Portfolio** (Service Class) - Massachusetts Financial Services Company | 1.48% | 11.31% | 0.24% | 3.14% |
| Large-Cap Growth | **MFS® Growth Series** (Service Class) - Massachusetts Financial Services Company | 0.97% | 31.15% | 14.46% | 14.82% |
| Fixed Income | **MFS® Inflation-Adjusted Bond Portfolio** (Service Class) - Massachusetts Financial Services Company | 0.85% | (4.13)% | (2.47)% | (0.49)% |
| Large-Cap Blend | **MFS® Investors Trust Series** (Service Class) - Massachusetts Financial Services Company | 0.99%^ | 19.22% | 11.12% | 10.81% |
| Mid-Cap Blend | **MFS® Mid Cap Value Portfolio** (Service Class) - Massachusetts Financial Services Company | 1.04% | 13.52% | 9.47% | 8.78% |
| Small-Cap Growth | **MFS® New Discovery Series** (Service Class) - Massachusetts Financial Services Company | 1.12%^ | 6.44% | 4.71% | 8.92% |
| Large-Cap Growth | **MFS® Technology Portfolio** (Service Class) - Massachusetts Financial Services Company | 1.11% | 36.45% | 17.46% | 17.75% |
| Intermediate Core-Plus Bond | **MFS® Total Return Series** (Service Class) - Massachusetts Financial Services Company | 0.86%^ | 7.46% | 5.89% | 6.20% |
| Intermediate Core-Plus Bond | **MFS® Total Return Bond Series** (Service Class) - Massachusetts Financial Services Company | 0.78%^ | 2.33% | 0.14% | 1.64% |
| Specialty | **MFS® Utilities Series** (Service Class) - Massachusetts Financial Services Company | 1.04%^ | 11.34% | 5.61% | 6.02% |
| Large-Cap Value | **MFS® Value Series** (Service Class) - Massachusetts Financial Services Company | 0.94%^ | 11.35% | 7.76% | 8.36% |
| Global/International | **PSF Global Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.71%^ | 15.15% | 8.90% | 9.47% |
| Balanced | **PSF PGIM 50/50 Balanced Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC* | 0.58% | 13.03% | 7.06% | 7.00% |
| Asset Allocation | **PSF PGIM Ballast Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.70% | N.A. | N.A. | N.A. |

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A-ii

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Balanced | **PSF PGIM Flexible Managed Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC* | 0.63% | 15.52% | 8.37% | 8.02% |
| Money Market | **PSF PGIM Government Money Market Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income* | 0.33% | 5.02% | 2.30% | 1.56% |
| Fixed Income | **PSF PGIM High Yield Bond Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited* | 0.57%^ | 8.61% | 4.50% | 5.75% |
| Large-Cap Growth | **PSF PGIM Jennison Blend Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.45%^ | 26.32% | 14.25% | 12.30% |
| Large-Cap Growth | **PSF PGIM Jennison Growth Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.60%^ | 30.88% | 17.83% | 16.33% |
| Large-Cap Value | **PSF PGIM Jennison Value Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.42% | 20.97% | 11.18% | 8.73% |
| Large-Cap Core | **PSF PGIM Laddered Allocation S&P 500 Buffer 12 Portfolio** (Class III) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.85% | N.A. | N.A. | N.A. |
| Large-Cap Core | **PSF PGIM Laddered Allocation S&P 500 Buffer 20 Portfolio** (Class III) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.85% | N.A. | N.A. | N.A. |
| Fixed Income | **PSF PGIM Total Return Bond Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited* | 0.43% | 3.00% | 0.26% | 2.37% |
| Small-Cap Blend | **PSF Small-Cap Stock Index Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.38% | 8.36% | 8.02% | 8.66% |
| Large-Cap Blend | **PSF Stock Index Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.29% | 24.65% | 14.19% | 12.80% |
| Global/International | **Putnam VT International Value Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc.; Franklin Templeton Investment Management Limited and The Putnam Advisory Company, LLC* | 1.07% | 5.21% | 6.81% | 5.46% |
| Large-Cap Value | **Putnam VT Large Cap Value Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 0.80% | 19.14% | 12.45% | 10.88% |
| Mid-Cap Growth | **Putnam VT Sustainable Future Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 1.06% | 14.88% | 9.54% | 8.84% |
| Large-Cap Growth | **Putnam VT Sustainable Leaders Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 0.88% | 23.02% | 13.72% | 13.50% |
| Large-Cap Growth | **T. Rowe Price All-Cap Opportunities Portfolio** - T. Rowe Price Associates, Inc. | 0.80%^ | 25.16% | 17.18% | 16.13% |
| Large-Cap Value | **T. Rowe Price Equity Income Portfolio** (Class II) - T. Rowe Price Associates, Inc. | 0.98% | 11.38% | 8.21% | 8.00% |
| Specialty | **T. Rowe Price Health Sciences Portfolio** (Class II) - T. Rowe Price Associates, Inc. | 1.10% | 1.42% | 5.81% | 8.20% |
| Global/International | **T. Rowe Price International Stock Portfolio** - T. Rowe Price Associates, Inc. / *T. Rowe Price International Ltd*  | 0.95%^ | 3.25% | 3.22% | 5.21% |
| Corporate Bond | **T. Rowe Price Limited-Term Bond Portfolio** (Class II) - T. Rowe Price Associates, Inc. / *T. Rowe Price International Ltd and T. Rowe Price Hong Kong Limited* | 0.75%^ | 4.70% | 1.72% | 1.56% |
| Mid-Cap Growth | **T. Rowe Price Mid-Cap Growth Portfolio** (Class II) - T. Rowe Price Associates, Inc. / *T. Rowe Price Investment Management, Inc., T. Rowe Price International Ltd, and T. Rowe Price Hong Kong Limited* | 1.08% | 9.04% | 7.35% | 9.85% |
| Asset Allocation | **T. Rowe Price Moderate Allocation Portfolio** - T. Rowe Price Associates, Inc. / *T. Rowe Price Investment Management, Inc., T. Rowe Price International Ltd, and T. Rowe Price Hong Kong Limited* | 0.86%^ | 10.06% | 5.51% | 6.39% |
| Global/International | **Templeton Global Bond VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.75%^ | (11.37)% | (4.85)% | (2.03)% |

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A-iii

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Asset Allocation | **TOPS® Aggressive Growth ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.54% | 11.99% | 8.25% | 8.14% |
| Asset Allocation | **TOPS® Balanced ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.55% | 6.86% | 4.68% | 4.84% |
| Asset Allocation | **TOPS® Conservative ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.56% | 6.00% | 3.75% | 3.76% |
| Asset Allocation | **TOPS® Growth ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.55% | 10.79% | 7.38% | 7.25% |
| Asset Allocation | **TOPS® Moderate Growth ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC*  | 0.54% | 8.84% | 6.06% | 6.11% |

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**^**The Fund's annual current expense reflects temporary fee reductions.

A-iv

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

**GLOSSARY: Definitions Of Special Terms Used In This Prospectus**

**Activities of Daily Living (ADLs) –** include the following activities:

1. Bathing - washing oneself by sponge bath or in either a tub or shower, including the task of getting into or out of the tub or shower.

2. Continence - the ability to maintain control of bowel or bladder function or, when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene, including caring for a catheter or colostomy bag.

3. Dressing - putting on and taking off all items of clothing and any necessary braces, fasteners or artificial limbs.

4. Eating - feeding oneself by getting food into the body from a receptacle, such as a plate, cup, or table or by feeding tube or intravenously.

5. Toileting - getting to and from the toilet, getting on and off the toilet, and performing associated personal hygiene.

6. Transferring - moving into or out of a bed, chair or wheelchair.

**Attained Age –** The insured's age on the Contract Date plus the number of years since then.

**Basic Insurance Amount –** The total amount of life insurance as shown in the Contract. Does not include any riders that may be attached to the Contract.

**Benefit Payment –** The periodic or lump sum payment of the accelerated benefit.

**Benefit Period –** Under the Chronic Illness Option of the BenefitAccess Rider, a period of time not to exceed twelve consecutive months.

**Benefit Year –** Under the Chronic Illness Option of the BenefitAccess Rider, a period of twelve months that begins on the Monthly Date on or following the date all conditions for eligibility, including recertification, have been satisfied. Subsequent Benefit Years will begin no earlier than the end of the current Benefit Year.

**Cash Surrender Value –** The amount payable to the Contract Owner upon surrender of the Contract. It is equal to the Contract Fund minus any Contract Debt and minus any applicable surrender charge. Referred to in the Contract as "Net Cash Value."

**Chronically Ill –** An insured has been certified by a Licensed Health Care Practitioner as:

1. being unable to perform (without Substantial Assistance from another individual) at least two Activities of Daily Living ("ADLs") for a period of at least 90 days due to a loss of functional capacity;

2. having a level of disability similar to the level of disability described above in 1 (as determined by prescribed regulations); or

3. requiring Substantial Supervision for protection from threats to health and safety due to a Severe Cognitive Impairment.

**Contract –** The variable universal life insurance Contract described in this prospectus.

**Contract Anniversary –** The same date as the Contract Date in each later year.

**Contract Date –** The date the Contract is effective, as specified in the Contract.

**Contract Debt –** The principal amount of all outstanding loans plus any interest accrued thereon.

**Contract Fund –** The total amount credited to a specific Contract. On any date it is equal to the sum of the amounts in all the Variable Investment Options and the Fixed Rate Option, and the principal amount of any Contract Debt plus any interest earned thereon.

**Contract Owner –** You. Unless a different owner is named in the application, the owner of the Contract is the insured.

**Contract Year –** A year that starts on the Contract Date or on a Contract Anniversary.

**Daily Benefit Limit Compound Rate –** An interest rate used in conjunction with the Initial Daily Benefit Limit for determining the maximum monthly benefit payable under the Chronic Illness Option of the BenefitAccess Rider.

**Death Benefit –** If the Contract is not in default, this is the amount we will pay upon the death of the insured, assuming no Contract Debt.

**Eligibility Period –** A period of 90 consecutive days after which we will make Benefit Payments if all other conditions for eligibility are met and we have approved the claim. The Eligibility Period begins when we receive Written Certification that the insured is Chronically Ill. The Eligibility Period does not apply to Terminal Illness claims.

**Eligible Facility –** Any facility that provides continuous care to the insured for his or her Chronic Illness.

**Fixed Rate Option –** An investment option under which interest is accrued daily at a rate that we declare periodically, but not less than an effective annual rate of 1%.

**Fund –** Amounts you invest in a Variable Investment Option will be invested in a corresponding Fund of the same name. A Fund may also be called a "portfolio" or a "series."

**Good Order –** An instruction utilizing such forms, signatures, and dating as we require, which is sufficiently clear and complete and for which we do not need to exercise any discretion to follow such instructions.

**Initial Daily Benefit Limit –** The per diem limit in effect on the Contract Date and used in the calculation of the maximum monthly benefit payable under the Chronic Illness Option of the BenefitAccess Rider.

**Internal Revenue Code –** The Internal Revenue Code of 1986, as amended from time to time and the regulations promulgated thereunder.

**Licensed Health Care Practitioner –** A physician (as defined in section 1861(r)(1) of the Social Security Act), or any registered nurse, licensed social worker, or other individual whom the United States Secretary of the Treasury may prescribe by regulation. The Licensed Health Care Practitioner must be acting within the scope of his/her license when providing a certification that the insured is Chronically Ill. May not be the insured, the Contract Owner, or a close or extended family or step family member of the insured or Contract Owner.

**Licensed Physician –** A physician (as defined in section 1861(r)(1) of the Social Security Act). The Licensed Physician must be acting within the scope of his/her license when providing a certification that the insured is Terminally Ill. May not be the insured, the Contract Owner, or a close or extended family or step family member of the insured or Contract Owner.

B-i

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

**Lifetime Benefit Amount –** The maximum amount that can be accelerated during the lifetime of the insured under the Chronic Illness Option of the BenefitAccess Rider. It is fixed at time of initial claim (prior to the first Chronic Illness Benefit Payment).

**Limited No-Lapse Guarantee –** Sufficient premium payments, on an accumulated basis, will guarantee that your Contract will not lapse during the first five Contract Years and a Death Benefit will be paid upon the death of the insured, regardless of investment experience and assuming no loans or withdrawals.

**Limited No-Lapse Guarantee Premiums –** Premiums that, if paid at the beginning of each Contract Year, will keep the Contract in force during the first five Contract Years, regardless of investment performance and assuming no loans or withdrawals.

**Maximum Monthly Benefit Payment –** The maximum amount that may be paid to you on a monthly basis once a claim has been approved under the Chronic Illness Option of the BenefitAccess Rider. This payment amount will be recalculated at the beginning of every Benefit Year.

**Modal No-Lapse Premiums –** Premiums that, if paid on the Contract Date and each modal date, will keep the Contract in force for at least the duration of the guarantee period chosen, regardless of investment performance and assuming no loans, withdrawals, or Contract changes.

**Monthly Benefit Percent –** A factor used in the calculation of the Maximum Monthly Benefit Payment. It is set at the time the Contract is issued and will not change. Depending on the Basic Insurance Amount of your Contract at issue, you may choose 2% or 4%.

**Monthly Date –** The Contract Date and the same date in each subsequent month.

**Net Amount At Risk –** An amount equal to the current Death Benefit, reduced by one month of interest at a 1% annual rate, less the Contract Fund.

**Payment Office –** The office at which we process premium payments, loan payments, and payments to bring your Contract out of default. Your correspondence will be picked up at the address on your bill to which you are directed to send these payments and then delivered to our Payment Office. For items required to be sent to our Payment Office, your correspondence is not considered received by us until it is received at our Payment Office. Where this Prospectus refers to the day when we receive a premium payment, loan payment or a payment to bring your Contract out of default, we mean the day on which that item (or the last thing necessary for us to process that item) arrives in Good Order at our Payment Office. There are two main exceptions: if the item is received at our Payment Office (1) on a day that is not a business day or (2) after the close of a business day, then, in each case, we are deemed to have received that item on the next business day.

**Plan of Care –** A written plan for care designed especially for a Chronically Ill individual by a Licensed Health Care Practitioner. The Plan of Care should recommend the frequency and type of Services most suitable to meet the Chronically Ill individual's need for substantial assistance or substantial supervision and the most appropriate type of providers for such Services.

**Pruco Life Insurance Company of New Jersey –** Pruco Life of New Jersey, us, we, our. The company offering the Contract.

**Recertification –** A signed statement completed by a Licensed Health Care Practitioner, at your or the insured's expense, certifying that the insured is Chronically Ill. The Written Certification must include due proof of the insured's Chronic

Illness. Recertification must be received each year in order for you to continue receiving Benefit Payments under the Chronic Illness Option of the BenefitAccess Rider beyond a Benefit Year. The Recertification will be effective as of the start of the new Benefit Year.

**Sales Load Target Premium –** A premium that is used to determine premium charge and varies by the insured's issue age, sex, and underwriting classification, as well as any riders selected by the Contract Owner.

**Separate Account –** Amounts under the Contract that are allocated to the Variable Investment Options are held by us in a Separate Account called the Pruco Life of New Jersey Variable Appreciable Account (the "Account" or the "Registrant"). The Separate Account is set apart from all of our general assets. Thus, such assets that are held in support of client accounts are not chargeable with liabilities arising out of any other business Pruco Life of New Jersey conducts.

**Service Office –** The office at which we process allocation change requests, withdrawal requests, surrender requests, transfer requests, ownership change requests and assignment requests. Correspondence with our Service Office should be sent to P.O. Box 7390, Philadelphia, Pennsylvania 19176. Your correspondence will be picked up at this address and then delivered to our Service Office. For requests required to be sent to our Service Office, your request is not considered received by us until it is received at our Service Office. Where this Prospectus refers to the day when we receive a request from you, we mean the day on which that item (or the last thing necessary for us to process that item) arrives in Good Order at our Service Office or via the appropriate telephone number, fax number, or website if the item is a type we accept by those means. There are two main exceptions: if the request is received (1) on a day that is not a business day or (2) after the close of a business day, then, in each case, we are deemed to have received that item on the next business day.

**Services –** The necessary diagnostic, preventive, curing, treating, mitigating and rehabilitative services, and maintenance or personal care services which are required by a Chronically Ill individual and are provided pursuant to a Plan of Care prescribed by a Licensed Health Care Practitioner.

**Severe Cognitive Impairment –** A loss or deterioration in intellectual capacity that is (a) comparable to and includes Alzheimer's disease and similar forms of irreversible dementia, and (b) measured by clinical evidence and standardized tests that reliably measure impairment in the individual's (i) short-term or long-term memory, (ii) orientation as to people, places, or time, and (iii) deductive or abstract reasoning.

**Substantial Assistance –** Hands-on assistance and standby assistance.

1. Hands-on assistance is the physical assistance of another person without which the individual would be unable to perform the Activity of Daily Living.

2. Standby assistance is the presence of another person within arm's reach of the individual that is necessary to prevent, by physical intervention, injury to the individual while performing the Activity of Daily Living.

**Substantial Supervision –** Requiring continual supervision by another person that is necessary to protect the Severely Cognitively Impaired individual from threats to health or safety.

**Terminally Ill –** The insured has a medical condition that is reasonably expected to result in the insured's death within six months or less.

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**<u>[GLOSSARY](#ib777c280a4234d5d899e88fe20f471f5_265)</u> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[**TABLE OF CONTENTS**](#ib777c280a4234d5d899e88fe20f471f5_10)</u>**

**Valuation Period –** The period of time from one determination of the value of the amount invested in a Variable Investment Option to the next. Such determinations are made when the net asset values of the Variable Investment Options are calculated, which would be as of the close of regular trading on the New York Stock Exchange (generally 4:00 p.m. Eastern time).

**Variable Investment Options –** The investment options of the Pruco Life of New Jersey Variable Appreciable Account ("the Account"). When you choose a Variable Investment Option, we purchase shares of the Fund that corresponds to that option. We hold these shares in the Account.

**Written Certification –** For Terminal Illness, a signed statement completed by a Licensed Physician, at your or the insured's expense, certifying that the insured is Terminally Ill. For Chronic Illness, Written Certification means a signed statement completed by a Licensed Health Care Practitioner, at your or the insured's expense, certifying that the insured is Chronically Ill. The Written Certification must also include due proof of the insured's Terminal Illness or Chronic Illness. Certification for each Chronic Illness claim will be effective as of the first day of the Benefit Year.

B-iii

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**To Learn More About *VUL Protector®***

The statement of additional information ("SAI") is legally a part of this prospectus, both of which are filed with the SEC under the Securities Act of 1933, Registration No. 333-286564. The SAI contains additional information about the Pruco Life of New Jersey Variable Appreciable Account. The SEC maintains a website (www.SEC.gov) that contains the ***VUL Protector®*** SAI, material incorporated by reference, and other information about us. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: PublicInfo@SEC.gov.

You can call us at 800-778-2255 to ask us questions, request information about the Contract, and obtain copies of the SAI or other documents without charge. You can also view the SAI located with the prospectus at www.Prudential.com/eProspectus, or request a copy by writing to us at:

Pruco Life Insurance Company of New Jersey

213 Washington Street

Newark, New Jersey 07102

EDGAR Class/Contract Identifier: C000261760

Investment Company Act of 1940: Registration No. 811-03974

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PROSPECTUS SUPPLEMENT

**PRUCO LIFE INSURANCE COMPANY**

**Pruco Life Variable Universal Account**

**PRUCO INSURANCE COMPANY OF NEW JERSEY**

**Pruco Life of New Jersey Variable Appreciable Account**

**Supplement dated August 18, 2025,** 

**to** 

**Prospectuses dated August 18, 2025,**

 **for**

***VUL Protector®* Variable Universal Life Contracts** 

***This supplement should be read and retained with the current prospectus for your variable life insurance Contract. This supplement is intended to update certain information in the prospectus for your variable life insurance Contract ("Contract") <u>for Contract Owners who purchased a Prudential single premium immediate annuity ("SPIA") as part of a strategy to fund the Contract with the SPIA's payments.</u> If you would like another copy of the current prospectus, please contact us at 800-778-2255.***

Please be aware of these important considerations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The funding strategy of using SPIA payments to fund your Contract is not the only way you may fund your Contract. See the Contract and prospectus sections entitled "PREMIUMS" for more information on how you may add funds to your Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The SPIA is not part of your Contract. The sale of the SPIA is a separate transaction from the sale of your Contract and is subject to its own application and approval process. You will be issued a separate annuity contract with its own terms, benefits, and conditions. Be sure to review the terms of your SPIA contract thoroughly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your SPIA will provide guaranteed annuity income payments in a fixed amount and for a fixed period of time. The SPIA will have no account value or cash surrender value, will not permit loans, and will not permit withdrawals. If you surrender your variable life insurance Contract before the SPIA's fixed period of time elapses, you will need to instruct us where to distribute the remaining payments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• There are tax impacts when earnings above the cost basis of a SPIA are distributed. You should speak with your financial professional and a tax advisor to get more information about the tax considerations of purchasing and/or conducting a 1035 exchange into a SPIA**.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Because the SPIA and your Contract are separate sales, your financial professional will be eligible for separate compensation for the sale of each product.

**PLEASE RETAIN THIS SUPPLEMENT WITH YOUR PROSPECTUS**

VULPSPIASUP0B

VULP25

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STATEMENT OF ADDITIONAL INFORMATION

The date of this statement of additional information and of the related prospectuses is August 18, 2025.

Pruco Life of New Jersey Variable Appreciable Account (the "Account")

Pruco Life Insurance Company of New Jersey

***VUL Protector***®

**VARIABLE UNIVERSAL LIFE INSURANCE CONTRACTS**

This statement of additional information is not a prospectus. Please review the ***VUL Protector®*** prospectus (the "prospectus"), which contains information concerning the ***VUL Protector®*** Contract. You may obtain a copy of the prospectus without charge by calling us at 800-778-2255. You can also view the statement of additional information located with the prospectus at www.Prudential.com/eProspectus, or request a copy by writing to us.

The defined terms used in this statement of additional information are as defined in the prospectus.

**Pruco Life Insurance Company of New Jersey**

213 Washington Street

Newark, New Jersey 07102

**TABLE OF CONTENTS** 

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| | |
|:---|:---|
| | **Page** |
| **<u>[GENERAL INFORMATION AND HISTORY](#i5d979187836e46d5bccd8415ccb594ec_4)</u>** | **<u>[1](#i5d979187836e46d5bccd8415ccb594ec_4)</u>** |
| <u>[Description Of Pruco Life Insurance Company of New Jersey](#i5d979187836e46d5bccd8415ccb594ec_7)</u> | <u>[1](#i5d979187836e46d5bccd8415ccb594ec_7)</u> |
| <u>[Control Of Pruco Life Insurance Company of New Jersey](#i5d979187836e46d5bccd8415ccb594ec_10)</u> | <u>[1](#i5d979187836e46d5bccd8415ccb594ec_10)</u> |
| <u>[State Regulation](#i5d979187836e46d5bccd8415ccb594ec_13)</u> | <u>[1](#i5d979187836e46d5bccd8415ccb594ec_13)</u> |
| <u>[Records](#i5d979187836e46d5bccd8415ccb594ec_16)</u> | <u>[1](#i5d979187836e46d5bccd8415ccb594ec_16)</u> |
| <u>[Services And Third Party Administration Agreements](#i5d979187836e46d5bccd8415ccb594ec_19)</u> | <u>[1](#i5d979187836e46d5bccd8415ccb594ec_19)</u> |
| <u>[Cyber Security And Business Continuity Risks](#i5d979187836e46d5bccd8415ccb594ec_22)</u> | <u>[1](#i5d979187836e46d5bccd8415ccb594ec_22)</u> |
| **<u>[INITIAL PREMIUM PROCESSING](#i5d979187836e46d5bccd8415ccb594ec_25)</u>** | **<u>[2](#i5d979187836e46d5bccd8415ccb594ec_25)</u>** |
| **<u>[ADDITIONAL INFORMATION ABOUT OPERATION OF CONTRACTS](#i5d979187836e46d5bccd8415ccb594ec_28)</u>** | **<u>[3](#i5d979187836e46d5bccd8415ccb594ec_28)</u>** |
| <u>[Legal Considerations Relating To Sex-Distinct Premiums And Benefits](#i5d979187836e46d5bccd8415ccb594ec_31)</u> | <u>[3](#i5d979187836e46d5bccd8415ccb594ec_31)</u> |
| <u>[Reports To Contract Owners](#i5d979187836e46d5bccd8415ccb594ec_34)</u> | <u>[3](#i5d979187836e46d5bccd8415ccb594ec_34)</u> |
| **<u>[ADDITIONAL INFORMATION ABOUT CHARGES](#i5d979187836e46d5bccd8415ccb594ec_37)</u>** | **<u>[3](#i5d979187836e46d5bccd8415ccb594ec_37)</u>** |
| <u>[Underwriting Procedures](#i5d979187836e46d5bccd8415ccb594ec_40)</u> | <u>[3](#i5d979187836e46d5bccd8415ccb594ec_40)</u> |
| **<u>[ADDITIONAL INFORMATION ABOUT CONTRACTS IN DEFAULT](#i5d979187836e46d5bccd8415ccb594ec_43)</u>** | **<u>[3](#i5d979187836e46d5bccd8415ccb594ec_43)</u>** |
| **<u>[DISTRIBUTION AND COMPENSATION](#i5d979187836e46d5bccd8415ccb594ec_46)</u>** | **<u>[3](#i5d979187836e46d5bccd8415ccb594ec_46)</u>** |
| **<u>[EXPERTS](#i5d979187836e46d5bccd8415ccb594ec_49)</u>** | **<u>[5](#i5d979187836e46d5bccd8415ccb594ec_49)</u>** |
| **<u>[FINANCIAL STATEMENTS](#i5d979187836e46d5bccd8415ccb594ec_52)</u>** | **<u>[5](#i5d979187836e46d5bccd8415ccb594ec_52)</u>** |

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<u>[**TABLE OF CONTENTS**](#i5d979187836e46d5bccd8415ccb594ec_1)</u>

**GENERAL INFORMATION AND HISTORY**

**Description Of Pruco Life Insurance Company of New Jersey**

Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey", "us", "we", or "our") is a stock life insurance company founded on September 17, 1982, under the laws of the state of New Jersey. It is licensed to sell life insurance and annuities only in the states of New Jersey and New York.

**Control Of Pruco Life Insurance Company of New Jersey**

Pruco Life of New Jersey is a wholly owned subsidiary of Pruco Life Insurance Company ("Pruco Life"), which in turn is a wholly owned subsidiary of The Prudential Insurance Company of America ("Prudential"), a stock life insurance company founded on October 13, 1875, under the laws of the state of New Jersey. Prudential is a wholly owned subsidiary of Prudential Financial, Inc. ("Prudential Financial"), a New Jersey insurance holding company for financial services businesses offering a wide range of insurance, investment management, and other financial products and services. The principal executive office of each of Prudential and Prudential Financial is Prudential Plaza, 751 Broad Street, Newark, New Jersey 07102.

As Pruco Life of New Jersey's ultimate parent, Prudential Financial exercises significant influence over the operations and capital structure of Pruco Life of New Jersey, Pruco Life, and Prudential. However, neither Prudential Financial, Prudential, Pruco Life, nor any other related company has any legal responsibility to pay amounts that Pruco Life of New Jersey may owe under the Contract. Pruco Life of New Jersey and Pruco Life's principal executive office is 213 Washington Street, Newark, New Jersey 07102.

**State Regulation**

Pruco Life of New Jersey is subject to regulation and supervision by the Department of Banking and Insurance of the state of New Jersey, which periodically examines its operations and financial condition. It is also subject to the insurance laws and regulations of all jurisdictions in which it is authorized to do business.

Pruco Life of New Jersey is required to submit annual statements of its operations, including financial statements, to the insurance departments of the various jurisdictions in which it does business to determine solvency and compliance with local insurance laws and regulations.

In addition to the annual statements referred to above, Pruco Life of New Jersey is required to file with New Jersey and other jurisdictions, a separate statement with respect to the operations of all of its variable contract accounts, in a form promulgated by the National Association of Insurance Commissioners.

**Records**

We maintain all records and accounts relating to the Account at our principal executive office. As presently required by the Investment Company Act of 1940, as amended, and regulations promulgated thereunder, reports containing such information as may be required under the Act or by any other applicable law or regulation will be sent to you semi-annually at your last address known to us.

**Services And Third Party Administration Agreements**

Pruco Life of New Jersey and Prudential have entered into a Service Agreement pursuant to which Prudential furnishes to Pruco Life of New Jersey various services, including preparation, maintenance, and filing of accounts, books, records, and other documents required under federal or state law, and various other accounting, administrative, and legal services, which are customarily performed by the officers and employees of Prudential. Pruco Life of New Jersey reimburses Prudential for its costs in providing such services. Under this Agreement, Pruco Life of New Jersey has reimbursed Prudential $10,829,532 in 2024, $18,652,176 in 2023, and $16,853,346 in 2022, of which the life business accounted for $6,592,847, $9,229,505, and $9,882,676, respectively.

Our individual life reinsurance treaties covering ***VUL Protector®*** Contracts provide for the reinsurance of a portion of the related mortality risk on a yearly renewable term basis. Pruco Life of New Jersey or its affiliates retain any such mortality risk that is not ceded under these treaties.

On May 10, 2023, Fidelity Information Services ("FIS") became a billing and payment services provider for Prudential, Pruco Life, and Pruco Life of New Jersey. FIS received $2,019,422 in 2024 from Prudential for services rendered. The principal business address of FIS is 601 Riverside Avenue, Jacksonville, Florida 32204.

Under a previous agreement, TransCentra, Inc. ("TransCentra") was a billing and payment services provider for Prudential, Pruco Life, and Pruco Life of New Jersey. TransCentra received $162,000 in 2024, $345,904 in 2023, and $916,094 in 2022, from Prudential for services rendered. TransCentra's principal business address is 4855 Peachtree Industrial Blvd, Suite 245, Norcross, GA 30092. TransCentra no longer provides the remittance processing services for Prudential, Pruco Life, and Pruco Life of New Jersey, or any of its affiliates.

**Cyber Security And Business Continuity Risks**

With the increasing use of technology and computer systems in general and, in particular, the internet to conduct necessary business functions, we are susceptible to operational, information security and related risks. These risks, which are often collectively referred to as "cyber security" risks, may include deliberate or malicious attacks, as well as unintentional events and occurrences. These risks are heightened by our offering of products with certain features, including those with automatic asset transfer or re-allocation strategies, and by our employment of complex investment, trading and hedging programs. Cyber security is generally

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defined as the technology, operations and related protocol surrounding and protecting a user's computer hardware, network, systems and applications and the data transmitted and stored therewith. These measures ensure the reliability of a user's systems, as well as the security, availability, integrity, and confidentiality of data assets.

Deliberate cyber-attacks can include, but are not limited to, gaining unauthorized access (including physical break-ins and attempts to fraudulently induce employees, customers or other users of these systems to disclose sensitive information in order to gain access) to computer systems in order to misappropriate and/or disclose sensitive or confidential information; deleting, corrupting or modifying data; and causing operational disruptions. Cyber-attacks may also be carried out in a manner that does not require gaining unauthorized access, such as causing denial-of-service attacks on websites (in order to prevent access to computer networks). In addition to deliberate breaches engineered by external actors, cyber security risks can also result from the conduct of malicious, exploited or careless insiders, whose actions may result in the destruction, release or disclosure of confidential or proprietary information stored on an organization's systems.

The Company is also subject to risks related to disasters and other events, such as storms, earthquakes, fires, outbreaks of infectious diseases (such as COVID-19), utility failures, terrorist acts, political and social developments, and military and governmental actions. These risks are often collectively referred to as "business continuity" risks. These events could adversely affect the Company and our ability to conduct business and process transactions. Although the Company has business continuity plans, it is possible that the plans may not operate as intended or required and that the Company may not be able to provide required services, process transactions, deliver documents or calculate values. It is also possible that service levels may decline as a result of such events.

Cyber security events, disasters, and similar events, whether deliberate or unintentional, that could impact us and our Contract Owners could arise not only in connection with our own administration of the Contract, but also with entities operating the Contract's underlying funds and with third-party service providers to us. Cyber security and other events affecting any of the entities involved with the offering and administration of the Contract may cause significant disruptions in the business operations related to the Contract. Potential impacts may include, but are not limited to, potential financial losses under the Contract, your inability to conduct transactions under the Contract and/or with respect to an underlying fund, an inability to calculate unit values with respect to the Contract and/or the net asset value ("NAV") with respect to an underlying fund, and disclosures of your personal or confidential account information.

In addition to direct impacts to you, cyber security and other events described above may result in adverse impacts to us, including regulatory inquiries, regulatory proceedings, regulatory and/or legal and litigation costs, and reputational damage. Costs incurred by us may include reimbursement and other expenses, including the costs of litigation and litigation settlements and additional compliance costs. Considerable expenses also may be incurred by us in enhancing and upgrading computer systems and systems security following a cyber security failure or responding to a disaster or similar event.

The rapid proliferation of technologies, as well as the increased sophistication and activities of organized crime, hackers, terrorists, hostile foreign governments, and others continue to pose new and significant cyber security threats. In addition, the global spread of COVID-19 has caused the Company and its service providers to implement business continuity plans, including widespread use of work-from-home arrangements. Although we, our service providers, and the underlying funds offered under the Contract may have established business continuity plans and risk management systems to mitigate risks, there can be no guarantee or assurance that such plans or systems will be effective, or that all risks that exist, or may develop in the future, have been completely anticipated and identified or can be protected against. Furthermore, we cannot control or assure the efficacy of the cyber security and business continuity plans and systems implemented by third-party service providers, the underlying funds, and the issuers in which the underlying funds invest.

**INITIAL PREMIUM PROCESSING**

In general, the invested portion of the minimum initial premium will be placed in the Contract Fund as of the later of the Contract Date and the date we receive the premium in Good Order.

Upon receipt of a request for life insurance from a prospective Contract Owner, Pruco Life of New Jersey will follow certain insurance underwriting (i.e., evaluation of risk) procedures designed to determine whether the proposed insured is insurable. The process may involve such verification procedures as medical examinations and may require that further information be provided by the proposed Insured before a determination can be made. A Contract cannot be issued, (i.e., physically issued through Pruco Life of New Jersey's computerized issue system) until this underwriting procedure has been completed.

Since a Contract cannot be issued until after the underwriting process has been completed, we use a Limited Insurance Agreement to provide temporary life insurance coverage to prospective Contract Owners who pay the minimum initial premium at the time the request for coverage is submitted. This coverage is for the total Death Benefit applied for, up to the maximum described by the Limited Insurance Agreement, and is subject to the other terms of the Limited Insurance Agreement.

The Contract Date is the date specified in the Contract. This date is used to determine the insurance age of the proposed insured. It represents the first day of the Contract Year and therefore determines the Contract Anniversary and Monthly Dates. It also represents the commencement of the suicide and contestable periods for purposes of the Basic Insurance Amount.

If the minimum initial premium is paid with the application and no medical examination is required, the Contract Date will ordinarily be the date of the application. If a delay is encountered (e.g., if a request for further information is not met promptly), generally, the Contract Date will be 21 days prior to the date on which the Contract is physically issued. If a medical examination is required, the Contract Date will ordinarily be the date the examination is completed, subject to the same qualification as that noted above.

If the premium paid with the application is less than the minimum initial premium, the Contract Date will be determined as described above. The balance of the minimum initial premium amount will be applied as of the later of the Contract Date and the date premiums were received in Good Order.

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If no premium is paid with the application, the Contract Date will be the Contract Date stated in the Contract, which will generally be the date the minimum initial premium is received in Good Order from the Contract Owner and the Contract is delivered.

There is one principal variation from the foregoing procedure. If permitted by the insurance laws of the state in which the Contract is issued, the Contract may be backdated up to six months. In situations where the Contract Date precedes the date that the minimum initial premium is received, charges due prior to the initial premium receipt date will be deducted immediately after the net premium has been applied to the Contract Fund.

**ADDITIONAL INFORMATION ABOUT OPERATION OF CONTRACTS**

**Legal Considerations Relating To Sex-Distinct Premiums And Benefits**

The Contract generally employs mortality tables that distinguish between males and females. Thus, premiums and benefits differ under Contracts issued on males and females of the same age. However, in those states that have adopted regulations prohibiting sex-distinct insurance rates, premiums and cost of insurance charges will be based on male rates, whether the insureds are male or female. In addition, employers and employee organizations considering purchase of a Contract should consult their legal advisers to determine whether purchase of a Contract based on sex-distinct actuarial tables is consistent with Title VII of the Civil Rights Act of 1964 or other applicable law.

**Reports To Contract Owners**

Once each year, we will send you a statement that provides certain information pertinent to your Contract. This statement will detail values, transactions made, and specific Contract data that apply only to your particular Contract.

We also make available annual and semi-annual reports of the Funds showing the financial condition of the Funds and the investments held in each Fund. The most recent annual and semi-annual reports are available at www.Prudential.com/eProspectus or by calling 800-778-2255.

**ADDITIONAL INFORMATION ABOUT CHARGES**

**Underwriting Procedures**

When you express interest in obtaining insurance from us, you may apply for coverage in one of two ways, via a paper application or through our worksheet process. When using the paper application, a registered representative completes a full application and submits it to our underwriting unit to commence the underwriting process. A registered representative is an agent/broker who is a representative of a broker-dealer authorized to sell Contracts.

When using the worksheet process, a registered representative typically collects enough applicant information to start the underwriting process. The representative will submit the information to Prudential to begin processing, which includes contacting the proposed insured to provide additional information online or over the phone.

Regardless of which of the two underwriting processes is followed, once we receive the necessary information, which may include doctors' statements, medical examinations from physicians or paramedical vendors, test results, and other information, we will make a decision regarding our willingness to accept the risk, and the price at which we will accept the risk. We will issue the Contract when the risk has been accepted and priced.

**ADDITIONAL INFORMATION ABOUT CONTRACTS IN DEFAULT**

When your Contract is in default, no part of your Contract Fund is available to you. Consequently, you are not able to take any loans, withdrawals, or surrenders, make any transfers among the investment options, or change the way in which subsequent premiums are allocated.

**DISTRIBUTION AND COMPENSATION**

In an effort to promote the sale of our variable products (which may include the placement of our contracts on a preferred or recommended company or product list and/or access to a broker-dealer's registered representatives), we or Pruco Securities may enter into compensation arrangements with certain broker-dealer firms authorized by Pruco Securities to sell contracts, or branches of such firms, with respect to certain or all registered representatives of such firms under which such firms may receive separate compensation or reimbursement for, among other things, training of sales personnel, marketing and/or administrative and/or other services they provide to us or our affiliates.

To the extent permitted by applicable rules, laws, and regulations, Pruco Securities may pay or allow other promotional incentives or payments in the form of cash or non-cash compensation. These arrangements may not be offered to all firms, and the terms of such arrangements may differ between firms. You should note that firms and individual registered representatives and branch managers within some firms participating in one of these compensation arrangements might receive greater compensation for selling the Contract than for selling a different contract that is not eligible for these compensation arrangements.

Pruco Life of New Jersey makes these promotional payments directly to or in sponsorship of the firm (or its affiliated broker/dealers). Examples of arrangements under which such payments may be made currently include, but are not limited to, sponsorships, conferences (national, regional and top producer), speaker fees, promotional items and reimbursements to firms for marketing activities or services paid by the firms and/or their individual representatives. The amount of these payments varies widely because some payments may encompass only a single event, such as a conference, and others have a much broader scope.

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A list below provides the names of the firms (or their affiliated broker-dealers) that we are aware of (as of December 31, 2024) that received payment or accrued a payment amount with respect to variable product business during 2024. The least amount of cash compensation paid or accrued and the greatest amount paid or accrued during 2024 were $0.01 and $46,285,549.55, respectively.

Names of Firms:

ACE DIVERSIFIED CAPITAL INC, ACP INVESTMENTS LLC, AEGIS CAPITAL CORPORATION, AGENCY SERVICES OF AR INC, AGP - ALLIANCE GLOBAL PARTNERS, ALLSTATE FINANCIAL SERVICES LLC, AMERIAN GENERAL INS AGCY INC, AMERICAN EXPRESS INS AGENCY OF MA INC, AMERICAN EXPRESS INS AGENCY OF TX, AMERICAN GLOBAL WEALTH MANAGEMENT INC, AMERICAN INDEPENDENT SECURITIES GROUP LLC, AMERICAN INVESTORS CO, AMERICAN PORTFOLIOS, AMERIPRISE FINANCIAL SERVICES, AMERITAS INVESTMENT COMPANY LLC, AON CONSULTING INC, APW CAPITAL INC, ARETE INSURANCE AGENCY LLC, ARKADIOS CAPITAL LLC, ARLINGTON SECURITIES INC, ARVEST INSURANCE INC, ASCENSUS BROKER DEALER SERVICES LLC, ASHTON THOMAS SECURITIES LLC, AUSDAL FINANCIAL PARTNERS INC, AVANTAX INSURANCE SERVICES INC, AVISEN WEALTH MANAGEMENT INC, AXA ADVISORS LLC, AYCO SERVICES AGENCY LP, AYCO SERVICES INS AGCY INC (K OSTER), B RILEY WEALTH MANAGEMENT INC, BAIRD INS SERVICES INC, BARNABAS CAPITAL INSURANCE AGENCY LLC, BCG SECURITIES INC, BENEFIT FUNDING SERVICES LLC, BENJAMIN F EDWARDS & COMPANY INC, BERTHEL FISHER AND COMPANY INSURANCE INC, BOK FINANCIAL SECURITIES INC, BRIGHTON SECURITIES CORP, BROKERS INTERNATIONAL FINANCIAL SERVICES, BROOKLIGHT PLACE SECURITIES INC, BUCKMAN CAPITAL LLC, CABOT LODGE SECURITIES LLC, CADARET GRANT & CO INC, CALTON & ASSOCIATES INC, CAMBRIDGE INVESTMENT RESEARCH INC, CAPEFINANCIAL SECURITIES LLC, CAPITAL INVESTMENT GROUP INC, CAPITAL SYNERGY PARTNERS INC, CBIZ BENEFITS & INS SVS INC, CC SERVICES INC, CENTAURUS FINANCIAL INC, CENTAURUS TEXAS INC, CENTER STREET SECURITIES INC, CES INSURANCE AGENCY INC, CETERA ADVISOR NETWORKS INSURANCE SERVICES LLC, CETERA ADVISORS INSURANCE SERVICES LLC, CETERA ADVISORS LLC, CETERA FINANCIAL SPECIALIST LLC, CETERA INVESTMENT SERVICES LLC, CFD INVESTMENTS INC, CHAPIN DAVIS INSURANCE INC, CHASE INSURANCE AGENCY, CHELSEA FINANCIAL SERVICES, CIG RISK MANAGEMENT INC, CITIGROUP LIFE AGENCY LLC, CITIZENS SECURITIES INC, COASTAL EQUITIES INSURANCE AGENCY, COMERICA INSURANCE SERVICES INC, CONCORDE INSURANCE AGENCY INC, CONCOURSE FINANCIAL GROUP SECURITIES, COORDINATED CAPITAL SECURITIES, CPS FINANCIAL & INSURANCE SERVICE INC, CPS INSURANCE SERVICES, CREATIVEONE SECURITIES LLC, CROWN CAPITAL SECURITIES LP, CSFG INSURANCE AGENCY INC, CUTTER & COMPANY BROKERAGE INC, D A DAVIDSON AND COMPANY INC, DAI SECURITIES, LLC, DELTA FINANCIAL INSURANCE BROKERAGE CORP, DEMPSEY FIN NETWORK INC, DEMPSEY LORD SMITH LLC, DFPG INVESTMENTS INC, DMK ADVISOR GROUP INC, EDUCATORS FINANCIAL SERVICES INC, EDWARD D JONES & CO LP, EDWARD JONES INS AGCY OF CA LLC, EDWARD JONES INS AGCY OF MA LLC, EDWARD JONES INS AGCY OF NM LLC, EF LEGACY SECURITIES LLC, ENTERPRISE GENERAL INS AGENCY INC, ENTERPRISE SECURITIES COMPANY, EQUITY SERVICES INC, ESTATE INSURANCE SERVICES LTD, EXECUTIVE INS AGENCY INC, FBL MARKETING SERVICES LLC, FIFTH THIRD INSURANCE AGENCY INC, FIFTH THIRD SECURITIES INC, FINANCIAL INDEPENDENCE GROUP, FINANCIAL TELESIS INC, FIRST CITIZENS INVESTOR SERVICES INC, FIRST HEARTLAND CAPITAL INC, FIRST HORIZON INSURANCE SERVICES INC, FIRST LIBERTIES SECURITIES INC, FIRST PALLADIUM LLC, FORTUNE FINANCIAL SERVICES INC, FORTUNE SECURITIES INC, FOUNDERS FINANCIAL SECURITIES LLC, FROST BROKERAGE SERVICES INC, G A REPPLE AND COMPANY, GENEOS WEALTH MANAGEMENT INC, GENERAL SECURITIES CORP, GIRARD INVESTMENT SERVICES LLC, GLOBALINK SECURITIES INC, GRADIENT SECURITIES LLC, GRB FINANCIAL LLC, GREAT POINT CAPITAL LLC, GROVE POINT INVESTMENTS LLC, GWN SECURITIES INC, H&R BLOCK FINANCIAL ADVISORS INC, HALLIDAY FINANCIAL LLC, HANSON MCCLAIN RETIREMENT NETWORK LLC, HANTZ AGENCY LLC, HANTZ FINANCIAL SERVICES INC, HARBOR INVESTMENT ADVISORY LLC, HARBOUR INVESTMENTS INC, HAZLETT BURT AND WATSON INC, HENNION AND WALSH WEALTH ADVISORS, HERBERT J SIMS CAPITAL MANAGEMENT, HIGHTOWER SECURITIES LLC, HILLTOP SECURITIES INC, HOOPOE CAPITAL MARKETS LLC, HORAN SECURITIES INC, HORNOR TOWNSEND & KENT, HSBC INSURANCE AGENCY USA INC, HSBC SECURITIES USA INC, HUNTER ASSOCIATES INVESTMENT MANAGEMENT LLC, HUNTINGTON INVESTMENT COMPANY, HUNTLEIGH SECURITIES, HWG INS AGENCY INC, IBN FINANCIAL SERVICES INC, IDB CAPITAL CORP, IFP INSURANCE GROUP LLC, IMS SECURITIES INC, INDEPENDENCE CAPITAL AGENCY, INDEPENDENT FINANCIAL GROUP INC, INNOVATION PARTNERS LLC, INSIGHT SECURITIES INC, INTERCAM SECURITIES INC, INTERCONTINENTAL AGENCY LLC, INTERLINK SECURITIES CORP, INTERNATIONAL ASSETS ADVISORY LLC, INTERSECURITIES INSURANCE AGENCY, INTERVEST INTERNATIONAL EQUITIES CORPORATION, INVERNESS SECURITIES LLC, INVESTMENT CENTER INC, INVESTMENT PLANNERS INC, INVESTMENT SALES CORP, INVICTA CAPITAL LLC, J ALDEN ASSOCIATES INC, J.K. FINANCIAL SERVICES, INC., JANNEY MONTGOMERY SCOTT LLC, JEFFREY MATTHEWS FINANCIAL GROUP LLC, JP MORGAN SECURITIES LLC, JW COLE FINANCIAL INC, KCD FINANCIAL, KESTRA INVESTMENT SERVICES LLC, KEY INVESTMENT SERVICES LLC, KFG ENTERPRISES INC, KINGSWOOD CAPITAL PARTNERS LLC, KOVACK SECURITIES INC, L M KOHN & CO, LAIDLAW AND COMPANY UK LTD, LARSON FINANCIAL GROUP LLC, LARSON FINANCIAL SECURITIES LLC, LASALLE ST SECURITIES LLC, LEADERS GROUP INC., LEBENTHAL FINANCIAL SERVICES INC, LEVEL FOUR FINANCIAL LLC, LFA LIMITED LIABILITY COMPANY, LIBRA INSURANCE PARTNERS LLC, LIFEMARK SECURITIES CORP, LINCOLN FIN ADVISORS CORP, LINCOLN FINANCIAL SEC CORP, LINCOLN INVESTMENT PLANNING LLC, LINCOLN NATIONAL INS ASSOC INC, LINSCO PRIVATE LEDGER INS ASSOC INC, LION STREET FINANCIAL LLC, LOCKTON FINANCIAL ADVISORS LLC, LOMBARD INTERNATIONAL AGENCY INC, LOMBARD INTERNATIONAL BROKERS INC, LPA INSURANCE AGENCY INC, LPL ENTERPRISE LLC, LPL FINANCIAL CORP, M FINANCIAL SECURITIES MARKETING INC, M HOLDINGS SECURITES INC, M.S. HOWELLS & CO, MADISON AVENUE SECURITIES LLC, MARINER INSURANCE RESOURCES LLC, MARSH INSURANCE & INVESTMENTS LLC, MB SCHOEN & ASSOCIATES INC, MCDONALD PARTNERS LLC, MERCER HEALTH & BENEFITS ADMINISTRATION, MERRILL LYNCH LIFE AGCY INC, MID-CONTINENT SECURITIES LTD, MMA SECURITIES LLC, MML INS AGCY INC, MODERN CAPITAL SECURITIES INC, MOLONEY SECURITIES CO INC, MONEY CONCEPTS CAPITAL, MOORS & CABOT INC, MORGAN STANLEY DEAN WITTER INS SVCS INC, MSC OF TX INC, MUTUAL OF OMAHA MARKETING CORP, MUTUAL SECURITIES INC, MUTUAL TRUST CO OF AMERICA SECURITIES, MWA FINANCIAL SERVICES INC, MWAGIA INC, NATIONS FINANCIAL GROUP INC, NEW PENFACS INS AGENCY INC, NEWBRIDGE SECURITIES CORPORATION, NEWPORT GROUP SEC INC, NEXT FINANCIAL GROUP, NEXT FINANCIAL INSURANCE SERVICES, NI ADVISORS INC, NORTHLAND SECURITIES, INC., NORTHWESTERN MUTUAL INVEST SVCS, NPA INSURANCE AGENCY INC, NW MUTUAL INVESTMENT SERVICES, NY LIFE SECURITIES, NYLIFE INSURANCE AGENCY INC, O N EQUITY SALES COMPANY, OAK RIDGE FINANCIAL SERVICES GROUP THE, OAKWOOD CAPITAL SECURITIES INC, OBERLIN FINANCIAL INTERNATIONAL LLC, OFG FINANCIAL SERVICES INC, OHIO NATIONAL INS AGENCY INC, ONEAMERICA SECURITIES INC, OPPENHEIMER & CO INC, OSAIC FA INC, OSAIC INSTITUTIONS INC, OSAIC WEALTH INC, PACKERLAND BROKERAGE SERVICES, INC., PARK AVENUE SECURITIES, PARKLAND SECURITIES, LLC, PEAK BROKERAGE SERVICES LLC, PENSIONMARK SECURITIES LLC, PHX FINANCIAL INC, PINNACLE INVESTMENTS LLC, PJ ROBB VARIABLE CORP, PLANMEMBER SECURITIES CORPORATION, PLUS AGENCY LLC, PNC INSURANCE SERVICES, PREFERRED MARKETING SERVICES INC, PRINCIPAL SECURITIES INC, PRIVATE CLIENT SERVICES LLC, PRIVATE LEDGER INS AGCY OF OH INC (P CALFEE), PROSPERA LIFE & ANNUITY SERVICES INC, PROVENANCE INSURANCE SERVICES LLC, PRUDENTIAL DIRECT INC, PURSHE KAPLAN STERLING INS,

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<u>[**TABLE OF CONTENTS**](#i5d979187836e46d5bccd8415ccb594ec_1)</u>

RADCLIFFE, ELLEN, PATRICIA, RAYMOND JAMES & ASSOCIATES INC, RBC CAPITAL MARKETS CORP, REGULUS FINANCIAL GROUP LLC, REHMANN INSURANCE GROUP LLC, ROBERT SHOR INSURANCE ASSOCIATES INC, ROCKEFELLER CAPITAL MANAGEMENT INS SERVICES LLC, ROCKEFELLER CAPITAL MGMT INS SVS, S B H U LIFE AGENCY INC, SA STONE WEALTH MANAGEMENT INC, SAN BLAS SECURITIES LLC, SANCTUARY SECURITIES INC, SAXONY INSURANCE AGENCY LLC, SAYBRUS EQUITY SERVICES INC, SBS INSURANCE AGENCY OF LA INC, SCF SECURITIES INC, SECURITIES AMERICA INC, SFA INSURANCE SERVICES INC, SIGMA FINANCIAL CORP, SIGNAL SECURITIES INC, SIGNATURE ESTATE SECURITIES INC, SII INVESTMENTS IN, SIMPLICITY FINANCIAL INVESTMENT SERVICES, SMITH BROWN & GROOVER INC, SMITH MOORE & CO, SNOWDEN INSURANCE SERVICES LLC, SORRENTO PACIFIC FINANCIAL LLC, SOUTH COAST ASSURANCE COMPANY, SOUTHERN WEALTH SECURITIES LLC, SPIRE INSURANCE AGENCY LLC, ST BERNARD FINANCIAL SERVICES INC, STANLEY LAMAN GROUP SECURITIES LLC, STEPHENS INSURANCE LLC, STERN CAPITAL LLC, STEWARD PARTNERS GLOBAL ADVISORY LLC, STEWARD PARTNERS INVESTMENT SOLUTIONS LLC, STIFEL NICHOLAUS & CO INC, STONEX SECURITIES INC, SUMMIT BROKERAGE SERVICES, SUPREME ALLIANCE LLC, SYNDICATED CAPITAL INC, SYNOVUS SECURITIES INC, TBS AGENCY OF TEXAS INC, TBS AGENCY, INC., TFS SECURITIES INC, THE LEADERS GROUP INC, THOROUGHBRED FINANCIAL SERVICES LLC, THRIVENT INSURANCE AGENCY INC, THURSTON SPRINGER MILLER HERD & TITAK INC, TRANSAMERICA FINANCIAL ADVISORS, TRIAD ADVISORS INC, TRUIST INVESTMENT SERVICES INC, TRUSTMONT FINANCIAL GROUP INC, U S BANCORP INVESTMENTS INC, U.S. BANCORP ADVISORS LLC, UBS FINANCIAL SERVICES, UMB INSURANCE INC, UNIONBANC INVESTMENT SERVICES LLC, UNITED BROKERAGE SERVICES INC, UNITED PLANNERS FINANCIAL, US BANCORP INSURANCE SERVICES LLC, USA FINANCIAL SECURITIES CORP, VALMARK SECURITES INC, VANDERBILT SECURITIES LLC, VARIABLE CONTRACT AGENCY LLC, VOYA FINANCIAL ADVISORS INC, WEH INSURANCE AGENCY INC, WELLS FARGO ADVISORS CALIFORNIA INS AGENCY LLC, WELLS FARGO ADVISORS FINANCIAL, WELLS FARGO ADVISORS INS AGENCY INC, WELLS FARGO FINANCIAL NETWORK LLC, WENTWORTH FINANCIAL PARTNERS LLC, WESTERN EQUITY GROUP INC, WESTERN INTERNATIONAL SECURITIES INC, WINTRUST INVESTMENTS LLC, WJ LYNCH INS AGENCY, WOODBURY FIN SERVICES INC, WORLD EQUITY GROUP, WORLD FINANCIAL GRP INS AGENCY OF MA INC, WORLD INVESTMENTS INC, WORTH FINANCIAL GROUP INC, XML SECURITIES LLC.

Your registered representative can provide you with more information about the compensation arrangements that apply upon the sale of the Contract.

**EXPERTS**

The financial statements of Pruco Life Insurance Company of New Jersey as of December 31, 2024 and 2023 and for each of the three years in the period ended December 31, 2024 and the financial statements of each of the subaccounts of Pruco Life of New Jersey Variable Appreciable Account as of the dates presented and for each of the periods indicated therein incorporated in this Statement of Additional Information by reference to the filed Form N-VPFS dated April 10, 2025 have been so incorporated in reliance on the reports of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

Actuarial matters included in this statement of additional information have been examined by Brian Peterfreund, FSA, MAAA, Vice President and Actuary of Prudential.

**FINANCIAL STATEMENTS**

The financial statements of the Account should be distinguished from the financial statements of Pruco Life of New Jersey, which should be considered only as bearing upon the ability of Pruco Life of New Jersey to meet its obligations under the Contracts.

**<u>[The financial statements of the Pruco Life of New Jersey Variable Appreciable Account and of Pruco Life Insurance Company of New Jersey are hereby incorporated by reference to Form N-VPFS dated April 1](https://www.sec.gov/Archives/edgar/data/741313/000074131325000056/a2024-96007plnjva_nxvpfs.htm)[0](https://www.sec.gov/Archives/edgar/data/741313/000074131325000056/a2024-96007plnjva_nxvpfs.htm)[, 202](https://www.sec.gov/Archives/edgar/data/741313/000074131325000056/a2024-96007plnjva_nxvpfs.htm)[5](https://www.sec.gov/Archives/edgar/data/741313/000074131325000056/a2024-96007plnjva_nxvpfs.htm)</u>.**

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| **OTHER INFORMATION** |
| **Item 30. Exhibits** |
| **Exhibit Number Description Of Exhibit** |

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| | | |
|:---|:---|:---|
| (a) | Board of Directors Resolution: | Board of Directors Resolution: |
| (i) | (i) | <u>[Resolution of Board of Directors of Pruco Life Insurance Company of New Jersey establishing the Pruco Life of New Jersey Variable Appreciable Account](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/boardresolution-plnjvaa.htm)</u>. (Note 4) |
| (b) | Custodian Agreements: | Custodian Agreements: |
|  |  | Not Applicable. |
| (c) | Underwriting Contracts: | Underwriting Contracts: |
| (i) | (i) | <u>[Distribution Agreement between Pruco Securities, LLC and Pruco Life Insurance Company of New Jersey](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/plnjdistribagreement.htm)</u>. (Note 4) |
| (ii) | (ii) | <u>[Broker Dealer Selling Agreement used from 01-2024 to current](sa012024.htm)</u>. (Note 1) |
| (d) | Contracts: | Contracts: |
| (i) | (i) | <u>[Individual Flexible Premium Variable Universal Life Insurance Contract - VULPR-2025](vulpr-2025a.htm)</u>. (Note 1) |
| (ii) | (ii) | <u>[Rider for Insured's Accidental Death Benefit - VL 110 B-2000 NY](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/accidentaldeathbenefit.htm)</u>. (Note 4) |
| (iii) | (iii) | <u>[Rider for Payment of Net Premium Amount Benefit Upon Insured's Total Disability - VL 100 B-2017](https://www.sec.gov/Archives/edgar/data/741313/000074131318000050/vl100b-2017.htm)</u>. (Note 15) |
| (iv) | (iv) | <u>[Rider for Level Term Insurance Benefit on Dependent Children - VL 182 B-2016](https://www.sec.gov/Archives/edgar/data/741313/000074131318000050/vl182b-2016.htm)</u>. (Note 15) |
| (v) | (v) | <u>[Rider for Level Term Insurance Benefit on Dependent Children - From Conversions - VL 184 B-2016](https://www.sec.gov/Archives/edgar/data/741313/000074131318000050/vl184b-2016.htm)</u>. (Note 15) |
| (vi) | (vi) | <u>[Rider to Provide Lapse Protection - RID-NLG-2025](rid-nlgx2025ny.htm)</u>. (Note 1)  |
| (vii) | (vii) | <u>[Rider for Excess Loan Protection - PLY 141-2017](https://www.sec.gov/Archives/edgar/data/741313/000074131317000060/ply141-2017.htm)</u>. (Note 12) |
| (viii) | (viii) | <u>[Rider for Settlement Options to Provide Acceleration of Death Benefits - ORD 87241-91 NY](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/livingneedsbenefitrider-ny.htm)</u>. (Note 4) |
| (ix) | (ix) | <u>[Rider to Provide Acceleration of Death Benefit – VL 145 B6-2020](https://www.sec.gov/Archives/edgar/data/741313/000074131323000243/vl145b6-2020.htm)</u>. (Note 17) |
| (e) | Applications: | Applications: |
| (i) | (i) | <u>[Application for Variable Universal Life Insurance Contract](https://www.sec.gov/Archives/edgar/data/741313/000085169311000066/application.htm)</u>. (Note 5) |
| (ii) | (ii) | <u>[Supplement to the Application for Variable Universal Life Insurance Contract](https://www.sec.gov/Archives/edgar/data/741313/000074131319000019/ord_96200var-2010xnyx2019.htm)</u>. (Note 16) |
| (f) | Depositor's Certificate of Incorporation and By-Laws: | Depositor's Certificate of Incorporation and By-Laws: |
| (i) | (i) | <u>[Articles of Incorporation of Pruco Life Insurance Company of New Jersey, as amended through March 11, 1983](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/plnjcertificateincorporation.htm)</u>. (Note 4) |
| (ii) | (ii) | <u>[Certificate of Amendment of the Articles of Incorporation of Pruco Life Insurance Company of New Jersey, February 12, 1998](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/amendmenttocertificate.htm)</u>. (Note 4) |
| (iii) | (iii) | <u>[Certificate of Amendment of the Articles of Incorporation of Pruco Life Insurance Company of New Jersey, October 1, 2012](https://www.sec.gov/Archives/edgar/data/741313/000074131315000088/certofamendment.htm)</u>. (Note 11) |
| (iv) | (iv) | <u>[By-laws of Pruco Life Insurance Company of New Jersey, as amended August 4, 1999](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/by-lawsofplnj.htm)</u>. (Note 4) |
| (g) | Reinsurance Contracts: | Reinsurance Contracts: |
| (i) | (i) | <u>[Agreement between Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey") and Prudential](https://www.sec.gov/Archives/edgar/data/741313/000074131307000016/nj-cede2prureinsurance.htm)</u>. (Note 3) |
| (ii) | (ii) | <u>[Amendments (1-15) to the Agreement between Pruco Life of New Jersey and Prudential](https://www.sec.gov/Archives/edgar/data/741313/000085169313000015/amendments1-15reinsurance.htm)</u>. (Note 7) |
| (h) | Participation Agreements: | Participation Agreements: |
| (i) | (i) | <u>[Advanced Series Trust (formerly American Skandia Trust) Participation Agreement, as amended June 8, 2005](https://www.sec.gov/Archives/edgar/data/741313/000074131305000044/nj-skandiaparticipationagree.htm)</u>. (Note 2) |
| (ii) | (ii) | <u>[Amendment #1 to the Participation Agreement between Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey") and Advanced Series Trust (formerly American Skandia Trust), as amended June 8, 2005](https://www.sec.gov/Archives/edgar/data/741313/000085169313000015/amendment1astnjparticipation.htm)</u>. (Note 7) |
| (iii) | (iii) | <u>[Participation Agreement between Pruco Life of New Jersey and American Funds](https://www.sec.gov/Archives/edgar/data/741313/000074131313000029/americanfundsparticipation.htm)</u>. (Note 10) |
| (iv) | (iv) | <u>[Participation Agreement between Pruco Life of New Jersey and Calvert](https://www.sec.gov/Archives/edgar/data/741313/000074131318000050/calvert-participationagree.htm)</u>. (Note 15) |

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| | | |
|:---|:---|:---|
| (v) | (v) | <u>[Participation Agreement between Pruco Life of New Jersey and Fidelity](https://www.sec.gov/Archives/edgar/data/741313/000074131313000029/fidelityparticipation.htm)</u>. (Note 10) |
| (vi) | (vi) | <u>[Amendment # 1 to the Participation Agreement between Pruco Life of New Jersey and Fidelity](https://www.sec.gov/Archives/edgar/data/741313/000074131313000029/fidelityamendment.htm)</u>. (Note 10) |
| (vii) | (vii) | <u>[Amendment # 2 to the Participation Agreement between Pruco Life of New Jersey and Fidelity](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/fidelity-paamend2xplnj2015.htm)</u>. (Note 13) |
| (viii) | (viii) | <u>[Participation Agreement between Pruco Life of New Jersey and Franklin](https://www.sec.gov/Archives/edgar/data/741313/000074131313000029/franklinparticipation.htm)</u>. (Note 10) |
| (ix) | (ix) | <u>[Amendment #1 to the Participation Agreement between Pruco Life of New Jersey and Franklin](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/ft-paamend1xplnj20070605.htm)</u>. (Note 13) |
| (x) | (x) | <u>[Amendment #2 to the Participation Agreement between Pruco Life of New Jersey and Franklin](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/ft-paamend2xplnj20080501.htm)</u>. (Note 13) |
| (xi) | (xi) | <u>[Amendment #5 to the Participation Agreement between Pruco Life of New Jersey and Franklin](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/ft-paamend5xplnj20131108.htm)</u>. (Note 13) |
| (xii) | (xii) | <u>[Amendment #6 to the Participation Agreement between Pruco Life of New Jersey and Franklin](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/ft-paamend6xplnj20140801.htm)</u>. (Note 13) |
| (xiii) | (xiii) | <u>[Amendment #7 to the Participation Agreement between Pruco Life of New Jersey and Franklin](https://www.sec.gov/Archives/edgar/data/741313/000074131317000045/amendment7.htm)</u>. (Note 14) |
| (xiv) | (xiv) | <u>[Participation Agreement between Pruco Life of New Jersey and MFS](https://www.sec.gov/Archives/edgar/data/741313/000074131308000027/mfsagreementplnj.htm)</u>. (Note 19) |
| (xv) | (xv) | <u>[Amendment #4 to the Participation Agreement between Pruco Life of New Jersey and MFS](https://www.sec.gov/Archives/edgar/data/741313/000074131313000029/mfsamendment.htm)</u>. (Note 10) |
| (xvi) | (xvi) | <u>[Participation Agreement between Pruco Life of New Jersey and Northern Lights](https://www.sec.gov/Archives/edgar/data/741313/000082897212000013/njnorthernlights.htm)</u>. (Note 6) |
| (xvii) | (xvii) | <u>[Amendment #2 to the Participation Agreement between Pruco Life of New Jersey and Northern Lights](https://www.sec.gov/Archives/edgar/data/741313/000085169314000016/amend2northernlights.htm)</u>. (Note 8) |
| (xviii) | (xviii) | <u>[Participation Agreement between Pruco Life of New Jersey and The Prudential Series Fund](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/plnjpsfparticipationagreem.htm)</u>. (Note 13) |
| (xix) | (xix) | <u>[Participation Agreement between Pruco Life of New Jersey and Putnam](putnampawithpru.htm)</u>. (Note 1) |
| (xx) | (xx) | <u>[Participation Agreement between Pruco Life of New Jersey and T. Rowe Price](https://www.sec.gov/Archives/edgar/data/741313/000074131323000243/trowepricepa-plnj.htm)</u>. (Note 17) |
| (xxi) | (xxi) | <u>[Amendment #3 to the Participation Agreement between Pruco Life of New Jersey and T. Rowe Price](https://www.sec.gov/Archives/edgar/data/741313/000074131323000243/trowepricepaamend3-plnj.htm)</u>. (Note 17) |
| (xxii) | (xxii) | <u>[Amendment #4 to the Participation Agreement between Pruco Life of New Jersey and T. Rowe Price](https://www.sec.gov/Archives/edgar/data/741313/000074131324000064/troweprice-amendmentnumber.htm)</u>. (Note 18) |
| (xxiii) | (xxiii) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and Advanced Series Trust](https://www.sec.gov/Archives/edgar/data/741313/000074131317000060/ast-shareholderinformation.htm)</u>. (Note 12) |
| (xxiv) | (xxiv) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and American Funds](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/amfunds-siaxplnj201309.htm)</u>. (Note 13) |
| (xxv) | (xxv) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and Franklin](https://www.sec.gov/Archives/edgar/data/741313/000074131317000060/franklintempleton-sharehol.htm)</u>. (Note 12) |
| (xxvi) | (xxvi) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and MFS](https://www.sec.gov/Archives/edgar/data/741313/000074131317000060/mfs-shareholderinformation.htm)</u>. (Note 12) |
| (xxvii) | (xxvii) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and The Prudential Series Fund](https://www.sec.gov/Archives/edgar/data/741313/000074131317000060/seriesfund-shareholderinfo.htm)</u>. (Note 12) |
| (xxviii) | (xxviii) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and Putnam](putnam22c2.htm)</u>. (Note 1)  |
| (i) | Administrative Contracts: | Administrative Contracts: |
| (i) | (i) | <u>[Service Agreement between Prudential and the Regulus Group, LLC](https://www.sec.gov/Archives/edgar/data/741313/000085169311000066/regulusagreement.htm)</u>. (Note 5) |
| (ii) | (ii) | <u>[Revised Service Agreement between Prudential and the Regulus Group LLC, a TransCentra company](https://www.sec.gov/Archives/edgar/data/741313/000085169314000016/transcentra.htm)</u>. (Note 8) |
| (iii) | (iii) | <u>[Engagement Schedule No. 2 between Prudential and Regulus Group, LLC](https://www.sec.gov/Archives/edgar/data/741313/000074131315000088/regulusschedule.htm)</u>. (Note 11) |
| (iv) | (iv) | <u>[Services Agreement between Prudential and Fidelity Information Services](https://www.sec.gov/Archives/edgar/data/741313/000074131323000243/fisservicesagreement.htm)</u>. (Note 17) |
| (v) | (v) | <u>[Engagement Schedule between Prudential and Fidelity Information Services](https://www.sec.gov/Archives/edgar/data/741313/000074131323000243/engagementschedule_fisxfin.htm)</u>. (Note 17) |
| (j) | Other Material Contracts: | Other Material Contracts: |
|  |  | Not Applicable. |
| (k) | Legal Opinion: | Legal Opinion: |
|  |  | <u>[Opinion and Consent of Christopher J. Madin, Esq., as to the legality of the securities being registered](plnjvaa_legalconsentcjm.htm)</u>. (Note 1) |
| (l) | Actuarial Opinion: | Actuarial Opinion: |
|  |  | Not Applicable. |
| (m) | Calculation: | Calculation: |
|  |  | Not Applicable. |
| (n) | Other Opinions: | Other Opinions: |
| (i) | (i) | <u>[Consent of PricewaterhouseCoopers LLP, Independent Registered Public Accounting Firm](plnjvulp_2025pwcconsent.htm)</u>. (Note 1) |
| (ii) | (ii) | <u>[Powers of Attorney: Reshma V. Abraham, Markus Coombs, Alan M. Finkelstein, Scott E. Gaul, Bradley O. Harris, Salene Hitchcock-Gear, Dylan J. Tyson](plnj_poa.htm)</u>. (Note 1) |

---

------

---

| | | |
|:---|:---|:---|
| (o) | Omitted Financial Statements: | Omitted Financial Statements: |
|  |  | Not Applicable. |
| (p) | Initial Capital Agreements: | Initial Capital Agreements: |
|  |  | Not Applicable. |
| (q) | Redeemability Exemption: | Redeemability Exemption: |
| (i) | (i) | <u>[Memorandum describing Pruco Life Insurance Company of New Jersey's issuance, transfer, and redemption procedures for the Contracts pursuant to Rule 6e-3(T)(b)(12)(iii)](plnjvulp_2025exhibit30q.htm)</u>. (Note 1) |
| (r) | Form of Initial Summary Prospectuses: | Form of Initial Summary Prospectuses: |
|  |  | <u>[PLNJ](plnjvulp_2025initialsummar.htm)</u>*<u>[VUL Protec](plnjvulp_2025initialsummar.htm)[tor](plnjvulp_2025initialsummar.htm)</u>*<u>[In](plnjvulp_2025initialsummar.htm)[itial Summary Prosp](plnjvulp_2025initialsummar.htm)[ectus](plnjvulp_2025initialsummar.htm)</u>. (Note 1) |

---

---------------------------------------------------------

---

| | |
|:---|:---|
| (Note 1) | Filed herewith. |
| (Note 2) | Incorporated by reference to Post-Effective Amendment No. 2 to Form N-6, Registration No. 333-112809, filed August 15, 2005, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 3) | Incorporated by reference to Post-Effective Amendment No. 4 to Form N-6, Registration No. 333-117796, filed April 20, 2007, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 4) | Incorporated by reference to Form N-6, Registration No. 333-158637, filed April 20, 2009, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 5) | Incorporated by reference to Post-Effective Amendment No. 2 to Form N-6, Registration No. 333-158637, filed April 15, 2011, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 6) | Incorporated by reference to Post-Effective Amendment No. 3 to Form N-6, Registration No. 333-158637, filed April 23, 2012, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 7) | Incorporated by reference to Post-Effective Amendment No. 5 to Form N-6, Registration No. 333-158637, filed April 12, 2013, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 8) | Incorporated by reference to Post-Effective Amendment No. 6 to Form N-6, Registration No. 333-158637, filed February 6, 2014, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 9) | Incorporated by reference to Post-Effective Amendment No. 7 to Form N-6, Registration No. 333-112809, filed April 18, 2008, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 10) | Incorporated by reference to Post-Effective Amendment No. 15 to Form N-6, Registration No. 333-112809, filed June 28, 2013, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 11) | Incorporated by reference to Post-Effective Amendment No. 10 to Form N-6, Registration No. 333-158637, filed April 10, 2015, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 12) | Incorporated by reference to Pre-Effective Amendment No. 1 for Form N-6, Registration No. 333-215543, filed June 16, 2017, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 13) | Incorporated by reference to Post-Effective Amendment No. 34 to Form N-6, Registration No. 333-112809, filed April 11, 2018, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 14) | Incorporated by reference to Post-Effective Amendment No. 17 to Form N-6, Registration No. 333-158637, filed April 11, 2017, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 15) | Incorporated by reference to Pre-Effective Amendment No. 1 for Form N-6, Registration No. 333-225954, filed September 14, 2018, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 16) | Incorporated by reference to Pre-Effective Amendment No. 1 for Form N-6, Registration No. 333-229277, filed April 22, 2019, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 17) | Incorporated by reference to Post-Effective Amendment No. 9 to Form N-6, Registration No. 333-229277, filed September 28, 2023, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 18) | Incorporated by reference to Post-Effective Amendment No. 10 to Form N-6, Registration No. 333-229277, filed April 11, 2024, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |

---

**Item 31. Directors And Officers Of Pruco Life Insurance Company of New Jersey (Depositor)**

The directors and officers of Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey"), listed with their principal occupations, are shown below.

------

---

| | |
|:---|:---|
| **Name and Principal Business Address** | **Position and Offices with Pruco Life of New Jersey** |
| RESHMA V. ABRAHAM (Note 2) | Director and Vice President |
| ALAN M. FINKELSTEIN (Note 3) | Director and Treasurer |
| SCOTT E. GAUL (Note 4) | Director and Vice President |
| BRADLEY O. HARRIS (Note 2) | Director |
| SALENE HITCHCOCK-GEAR (Note 2) | Director |
| DANIEL MCNUTLY (Note 1) | Chief Compliance Officer |
| MATTHEW H. SILVER (Note 2) | Chief Actuary and Senior Vice President  |
| JORDAN K. THOMSEN (Note 2) | Vice President and Corporate Counsel |
| DYLAN J. TYSON (Note 4) | Director, President, and Chief Executive Officer |
| AMY M. WOLTMAN (Note 3) | Vice President, Chief Legal Officer, and Secretary |
| (Note 1) 600 Office Center Drive, Fort Washington, PA 19034 |  |
| (Note 2) 213 Washington Street, Newark, NJ 07102 |  |
| (Note 3) 751 Broad Street, Newark, NJ 07102 |  |
| (Note 4) 1 Corporate Drive, Shelton, CT 06484 |  |

---

**Item 32. Persons Controlled By Or Under Common Control With the Depositor Or the Registrant**

Pruco Life Insurance Company of New Jersey, a life insurance company organized under the laws of New Jersey, is a direct wholly owned subsidiary of Pruco Life Insurance Company ("Pruco Life"). Pruco Life, a life insurance company organized under the laws of Arizona, is a direct wholly owned subsidiary of The Prudential Insurance Company of America and an indirect wholly owned subsidiary of Prudential Financial, Inc.

The subsidiaries of Prudential Financial, Inc. are listed under Exhibit 21.1 of the Annual Report on Form 10-K of Prudential Financial, Inc., Registration No. 001-16707, the text of which is hereby incorporated by reference.

**Item 33. Indemnification**

The Registrant, in connection with certain affiliates, maintains various insurance coverages under which the underwriter and certain affiliated persons may be insured against liability, which may be incurred in such capacity, subject to the terms, conditions, and exclusions of the insurance policies.

New Jersey, being the state of organization of Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey"), permits entities organized under its jurisdiction to indemnify directors and officers with certain limitations. The relevant provisions of New Jersey law permitting indemnification can be found in Section 14A:3-5 of the New Jersey Statutes Annotated. The text of Pruco Life of New Jersey's By-law, Article V, which relates to indemnification of officers and directors, was filed on April 20, 2009, as exhibit Item 26. (f)(iii) to Form N-6, Registration No. 333-158637, on behalf of the Pruco Life of New Jersey Variable Appreciable Account.

&nbsp;&nbsp;&nbsp;&nbsp;

Insofar as indemnification for liabilities arising under the Securities Act of 1933 (the "Act") may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

------

**Item 34. Principal Underwriters**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(a) Other Activity:**

Pruco Securities, LLC ("Pruco Securities"), an indirect wholly owned subsidiary of Prudential Financial, Inc., acts as the Registrant's principal underwriter of the Contract. Pruco Securities, organized as an LLC on September 22, 2003, under New Jersey law, is registered as a broker-dealer under the Securities Exchange Act of 1934 and is a registered member of the Financial Industry Regulatory Authority, Inc. ("FINRA"). (Pruco Securities is a successor company to Pruco Securities Corporation, established on February 22, 1971.) Pruco Securities' principal business address is 751 Broad Street, Newark, New Jersey 07102.

Pruco Securities acts as principal underwriter and general distributor for the following separate investment accounts and their affiliates:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life Variable Universal Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life Variable Insurance Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life PRUvider Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life of New Jersey Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pruco Life of New Jersey Variable Insurance Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Prudential Variable Appreciable Account

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL I of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL II of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account One of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account Five of Talcott Resolution Life Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL I of Talcott Resolution Life & Annuity Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account VL II of Talcott Resolution Life & Annuity Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Separate Account Five of Talcott Resolution Life & Annuity Insurance Company

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Union Security Insurance Company Variable Account C

The Contract is sold by registered representatives of broker-dealers who are also authorized by state insurance departments to do so.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(b) Management:**

------

---

| | |
|:---|:---|
| **Managers And Officers Of Pruco Securities, LLC** | **Managers And Officers Of Pruco Securities, LLC** |
| **Name and Principal Business Address** | **Position and Office with Pruco Securities** |
| Susan B. Agnew (Note 1) | Assistant Secretary |
| John M. Cafiero (Note 2) | Assistant Secretary |
| David Camuzo (Note 1) | Secretary |
| Susanna Davi (Note 2) | Assistant Treasurer |
| Scott E. Depew (Note 1) | Manager |
| Dexter M. Feliciano (Note 1) | Manager and President |
| Kelly Florio (Note 2) | Anti-Money Laundering Officer |
| Anthony M. Fontano (Note 1) | Vice President and Manager |
| Jennifer H. Gascho (Note 2) | Assistant Controller |
| Patrick L. Hynes (Note 1) | Manager and Chairman |
| Victor Kong (Note 2) | Assistant Controller |
| Juzer Mohammedshah (Note 1) | Treasurer |
| Janette M. Niland (Note 2) | Assistant Treasurer |
| Maggie Palen (Note 2) | Assistant Secretary |
| Paranj Patel (Note 2) | Chief Compliance Officer |
| Robert P. Smit (Note 2) | Vice President, Controller, Chief Financial Officer, Principal Financial Officer, and Principal Operations Officer |
| Jordan K. Thomsen (Note 1) | Assistant Secretary and Chief Legal Officer |
| Dianne Trinkle (Note 2) | Assistant Controller |
| (Note 1) 213 Washington Street, Newark, NJ 07102 |  |
| (Note 2) 751 Broad Street, Newark, NJ 07102 |  |

---

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(c) Compensation From the Registrant:**

Pruco Securities passes through the gross distribution revenue it receives to broker-dealers for their sales and does not retain any portion of it in return for its services as distributor for the Contracts. However, under a strategic relationship with an unaffiliated broker-dealer, Pruco Securities receives a portion of compensation with respect to sales of its variable life insurance products. Pruco Securities retained compensation of $4,278,834 in 2024, $4,084,003 in 2023, and $3,890,506 in 2022. Pruco Securities offers the Contract on a continuous basis.

The sum of the chart below is $575,994,944, which represents Pruco Securities' total 2024 Variable Life Distribution Revenue. The amount includes both agency distribution and broker-dealer distribution.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** | **Commissions and other compensation received from the registrant during the last fiscal year <br>with respect to variable life insurance products.** |
| Name of Principal Underwriter | Net Underwriting Discounts and Commissions\* | Compensation on Redemption | Brokerage Commission\*\* | Other Compensation |
| Pruco Securities | $143360233 | $0 | $432634711 | $0 |

---

\* Represents Variable Life Distribution Revenue for the agency channel.

\*\* Represents Variable Life Distribution Revenue for the broker-dealer channel.

**Item 35. Location Of Accounts And Records**

Provided in most recent report on Form N-CEN.

**Item 36. Management Services**

Not Applicable.

**Item 37. Fee Representation**

Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey") represents that the fees and charges deducted under the Variable Universal Life Insurance Contracts registered by this registration statement, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by Pruco Life of New Jersey.

------

**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Newark, and State of New Jersey on this 18<sup>th</sup> day of August, 2025.

---

| |
|:---|
| **Pruco Life of New Jersey Variable Appreciable Account** |
| (Registrant) |
| By: **Pruco Life Insurance Company of New Jersey** |
| (Depositor) |
| By: <u>/s/ \*</u>  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dylan J. Tyson<br>Director, President, and Chief Executive Officer |
| **Pruco Life Insurance Company of New Jersey** |
| (Depositor) |
| By: <u>/s/ \*</u>  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dylan J. Tyson<br>Director, President, and Chief Executive Officer |

---

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below by the following persons in the capacities indicated on this 18<sup>th</sup> day of August, 2025.

---

| | | |
|:---|:---|:---|
| **<u>Signature and Title</u>** | | |
| /s/ \* |  |  |
| Reshma V. Abraham |  |  |
| Director and Vice President |  |  |
| /s/ \* |  |  |
| Alan M. Finkelstein |  |  |
| Director and Treasurer |  |  |
| /s/ \* |  |  |
| Scott E. Gaul |  |  |
| Director and Vice President |  |  |
|  | By: | /s/ Christopher J. Madin |
| /s/ \* |  | Christopher J. Madin |
| Bradley O. Harris |  | (Attorney-in-Fact) |
| Director |  |  |
| /s/ \* |  |  |
| Salene Hitchcock-Gear |  |  |
| Director |  |  |
| /s/ \* |  |  |
| Dylan J. Tyson |  |  |
| Director, President, and Chief Executive Officer |  |  |

---

\*Executed by Christopher J. Madin on behalf of those indicated pursuant to Power of Attorney.

## Ex-99.C

&nbsp;&nbsp;&nbsp;&nbsp;

**<u>BROKER-DEALER SELLING AGREEMENT</u>**

This Broker-Dealer Selling Agreement (hereinafter "Agreement") is made by and between PRUCO SECURITIES, LLC (hereinafter "Distributor"), The Prudential Insurance Company of America (hereinafter "Prudential"), Pruco Life Insurance Company (hereinafter "PLIC) and Pruco Life Insurance Company of New Jersey (hereinafter "PLNJ"), (hereinafter, the preceding three entities referred to collectively as the "Company"), and **[Broker Dealer]**. (hereinafter "Broker-Dealer"), and together with Broker-Dealer's duly licensed affiliates set forth on the Schedule A, attached hereto and made a part hereof (hereinafter the "Affiliates")

*Whereas*, Company is an issuer of variable life contracts (hereinafter "Contracts," "Policy" or "Policies") identified on attached Schedule B and have appointed Distributor as the sole principal underwriter of such Contracts; and

*Whereas,* the Contracts are duly registered under the Securities Act of 1933, as amended (hereinafter "Securities Act"); and

*Whereas,* Distributor, Company, and Broker-Dealer wish to enter into an agreement to have Broker-Dealer solicit application for Contracts.

*Now, therefore,* for good and valuable consideration, the sufficiency of which is acknowledged hereby, and intending to be legally bound, the parties agree as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I.<u>Appointment/Authorization</u>

Pursuant to the authority delegated to it by the Company, Distributor hereby authorizes Broker-Dealer, and/or the Affiliates during the term of this Agreement, to solicit applications for Contracts. Such Contracts are identified as Eligible Products in a List of Eligible Products that is identified as Schedule B, attached hereto and made a part hereof. Distributor or the Company may update or amend Schedule B, which will be effective upon notice, as defined in Section XX, (hereinafter, "Notice") to the Broker-Dealer that a new or amended Schedule B has been issued.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;II.<u>Authority and Undertakings of the</u> <u>Broker-Dealer</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.With regard to Contracts, Broker-Dealer is authorized hereby to:

solicit, procure and submit applications for Contracts of the Company through Registered Representatives (defined below), provided that both the Broker-Dealer (and/or the Affiliates) and the Registered Representatives are properly licensed, registered and state appointed to do so, in accordance with applicable laws and regulations and the Company's Licensing, Appointment and Registration policy, as amended from time to time. "Registered Representative" is defined as a duly registered representative of Broker-Dealer, in good standing, with the authority to sell Contracts as required by the Financial Industry Regulatory Authority, Inc. (hereinafter "FINRA") and who is appointed as a non exclusive agent of the Company and properly licensed and appointed in accordance with applicable laws and regulations and the Company's Licensing, Appointment and Registration policy, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.Broker-Dealer agrees to the following undertakings in its capacity as a Broker-Dealer with regard to its Registered Representatives for Contracts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.Broker-Dealer has full responsibility for the training and supervision of all Registered Representatives who are engaged, directly or indirectly, in the offer, sale and/or administration

VARIABLE BDSA 01-2024&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1 of 17

------

&nbsp;&nbsp;&nbsp;&nbsp;

of Contracts to ensure that they are in compliance with all applicable federal, state and local laws and regulations and all rules and procedures of the Company (which rules and procedures may be changed by the Company at its own discretion.) Broker-Dealer shall establish and implement reasonable procedures for periodic inspection and supervision of sales practices of its Registered Representatives. Additionally, Broker-Dealer shall establish, maintain, and enforce a supervisory system, as set forth by FINRA Conduct Rules, to supervise the activities of each Registered Representative that is reasonably designed to achieve compliance with applicable securities laws and regulations, and with the applicable rules of FINRA.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Broker-Dealer shall be responsible for determining the suitability for recommendations and sales for Registered Representatives of Contracts. Broker-Dealer shall be solely responsible for determining the suitability of recommendations for purchases and sales of Contracts that are made by its Registered Representatives. Broker-Dealer shall take steps to ensure that Registered Representatives appointed by it shall not make recommendations to an applicant to purchase a Contract in the absence of reasonable grounds to believe that the purchase of the Contract is suitable for such applicant, in accordance with applicable laws and regulations including FINRA Rules, regulations and administrative policies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.Broker-Dealer shall be responsible for the delivery of all Contracts, amendments thereto and all other documents to each Contract owner, and shall ensure that all other delivery requirements have been satisfied, promptly and in accordance with the Company's delivery requirements; require return of unplaced Contracts; review all applications before submitting them to the Company and will submit only those applications that have been properly completed and for which Broker-Dealer or its Affiliates and Registered Representatives have the licenses and appointments required by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.Broker-Dealer is authorized to designate Registered Representatives for appointment by Company to solicit applications for Contracts. Broker-Dealer shall not propose a Registered Representative for appointment unless he or she duly is licensed as an insurance agent in the state(s) in which it is proposed he or she shall solicit applications for Contracts and is a registered representative of Broker-Dealer. Broker-Dealer shall assist the Company in the appointment of Registered Representatives in conformance with applicable insurance laws and such rules and procedures as may be established by Company. Broker-Dealer shall conduct a thorough and diligent investigation of the trustworthiness, competence, character, reputation and criminal background of each Registered Representative that satisfies the requirements for appointment of an agent in each state the individual is to be appointed, the Violent Crime Control and Law Enforcement Act of 1994 (18 U.S.C. Sect. 1033 and 1034) (hereinafter the "Crime Bill") and, as applicable, federal securities regulations and FINRA rules prior to proposing them for appointment and any other applicable laws. Broker-Dealer shall recommend for appointment only those Registered Representatives known to be of good character, trustworthy, financially responsible and competent to serve as an agent for Company, and who otherwise qualify for appointments under the applicable state insurance laws when proposed for appointment. Additionally, the Broker-Dealer shall notify the Company immediately if the Broker-Dealer has knowledge that any person who was recommended for appointment and who was appointed by the Company no longer meets the qualification requirements of applicable state insurance laws. The Company shall have sole discretion to appoint, refuse to appoint, discontinue, or terminate the appointment of any Registered Representative. Upon the Company giving Notice to Broker-Dealer of its withdrawal of authority of a Registered Representative to solicit applications, Broker-Dealer will immediately ensure that any such Registered Representative ceases all such activities.

VARIABLE BDSA 01-2024&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 of 17

------

&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.Broker-Dealer shall assist Contract owners in obtaining prompt service from the Company with respect to the administration of Contracts and in maintaining their coverage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;III.<u>Limitations of Broker-Dealer's</u> <u>Authority</u>

Broker-Dealer's authority is limited to what is authorized in Section II. This Section is intended to provide examples, not an entire listing of actions that are outside the authority granted in Section II. Broker-Dealer agrees that its authority is limited to the solicitation and marketing of Contracts in accordance with this Agreement. Broker-Dealer represents and agrees on behalf of itself, its Registered Representatives and Affiliates that none of them will act in a manner not authorized by this Agreement and that any such unauthorized actions, including but not limited to, the following actions, would be considered a breach of this Agreement:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.make, alter, modify, or discharge any Contract or other form; waive any provision or condition of a Contract; bind the Company; extend the time of paying any premium; accept or receive promissory notes for payment of premium.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.adjust or settle any claim or commit the Company or Distributor with respect to any claim, incur any expense or liability on account of the Company or Distributor except as specifically directed or authorized in writing by the Company or Distributor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.expend, nor contract for the expenditure of the funds of Company or Distributor, nor incur any liability on behalf of Company or Distributor, without specific written authority to do so from the Company or Distributor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.make representations as an agent of the Company or Distributor in any manner or for any purpose except as specifically authorized by this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E.provide or offer to provide any inducement not specified in the Contract or any rebate, either directly or indirectly, to any person or entity, as an inducement to purchase any Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F.obtain signed forms from applicants or Contract owners unless the forms are completed for submission to the Company. Registered Representatives may not request that an applicant or Contract owner pre-sign any Contract form for use at a later date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G.deliver or allow the delivery of a Contract unless the health of the proposed insured(s) is in accordance with the Company's requirements, if any, and, where required, the first premium is paid in full.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H.make any misrepresentation or incomplete comparison for the purpose of inducing a potential or actual Contract owner to purchase, convert, lapse, surrender all or any portion of, forfeit, borrow from, or replace any Contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I.induce or attempt to induce any Contract owner to replace or relinquish a Contract or to withdraw values from a Contract when doing so would be in violation of the Company's Replacement Policy or any state or federal law or regulation or not in the interest of the customer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;J.accept any payments for Contracts, unless the funds are made payable to the Company as provided in Section VIII.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;K.engage in any insurance transaction that requires compensation disclosure, as determined by the applicable law, without making such required compensation disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;L.solicit applications for Policies on military installations or otherwise engage in activity contrary to instruction provided by the US Department of Defense or state law regarding such.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;IV.<u>Broker-Dealer</u> <u>Representations</u>

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Broker-Dealer represents and agrees on behalf of itself and its Registered Representatives:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.that solicitation and all activities by Broker-Dealer shall be undertaken only in accordance with applicable laws and regulations. No Registered Representative of Broker-Dealer shall solicit applications for Contracts until the Registered Representative and Broker-Dealer or its Affiliates are duly licensed and appointed by Company in accordance with applicable laws and regulations and in accordance with the Company's Licensing, Appointment, and Registration Policy, in the appropriate states or other jurisdictions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.that neither it nor its Registered Representatives are authorized by Distributor or Company to give any information or make any representation in connection with this Agreement or the offering of the Contracts other than those contained in the prospectus, if applicable, or other solicitation material authorized in writing by Distributor or Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.to abide by the Company's policies and procedures related to the solicitation and sale of Contracts, which are identified on Schedule C attached hereto and made a part thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.that the Broker-Dealer and its affiliates and Registered Representatives will comply with all applicable insurance laws, regulations and requirements and all other applicable state and federal laws, regulations and requirements in soliciting applications for Policies; that the Broker-Dealer will be fully responsible for all acts of its affiliates or Registered Representatives in soliciting applications for Policies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E.that it is a registered broker-dealer under the Securities Exchange Act of 1934, as amended, (hereinafter "1934 Act") and a member in good standing of FINRA, and that its Registered Representatives who will be soliciting applications for the Contracts will be duly registered representatives of Broker-Dealer. Furthermore, that each one will be a registered representative in good standing, with authority to sell the Contracts as required by FINRA.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F.that, except as disclosed to the Company on Broker-Dealer's or Registered Representatives' application for appointment or otherwise in writing, neither Broker-Dealer's insurance license nor the insurance license of Registered Representative has ever been revoked, suspended, or rescinded in any state or jurisdiction; neither Broker-Dealer nor any Registered Representative has ever been fined by any insurance regulator in an amount of $15,000 or more; and neither Broker-Dealer nor any of its Registered Representatives are currently the subject of any disciplinary proceeding or investigation in any state or jurisdiction by any Department of Insurance, Attorney General's office or other government authority.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G.that, except as disclosed to the Company on Broker-Dealer's, Registered Representatives' applications for appointment or otherwise in writing, if Broker-Dealer or any of its Registered Representatives are or have ever been a registered principal or representative of a member of FINRA, the said registration with FINRA is not now and never has been suspended, revoked or canceled; that neither Broker-Dealer nor any of its Registered Representatives have ever been fined by FINRA or other self-regulatory organization in an amount of $15,000 or more; that neither Broker-Dealer nor any of its Registered Representatives are currently the subject of any disciplinary proceeding or investigation by the SEC or FINRA; that neither Broker-Dealer nor any of its Registered Representatives have ever been convicted of any criminal felony involving dishonesty or breach of trust or of any other offense set forth in the Crime Bill ; that Broker-Dealer performs the due diligence required by law to ensure that Broker-Dealer, its officers, directors, employees engaging in the business of insurance, Registered Representatives are, and for the term of this Agreement shall continue to be, in compliance with the requirements of the Crime Bill.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H.that Broker-Dealer, upon request of Distributor and/or Company, shall, within thirty (30) days of receipt, return to Distributor a questionnaire or certification regarding any regulatory, civil and/or criminal proceedings, including arbitration, against the Broker-Dealer or any Registered Representative commenced or concluded by any state insurance or securities department, FINRA, the SEC, or other self-regulatory organization, and/or in any court of competent jurisdiction during the twelve (12) month period prior to the date of the questionnaire or certification. Broker-Dealer shall provide Distributor with a full explanation regarding matters disclosed in the questionnaire or certification. Broker-Dealer also agrees to send to Distributor, if requested by Distributor, copies of all Disclosure Reporting Forms applicable to Registered Representatives authorized to solicit applications for and sell the Contracts simultaneously with filing such forms with FINRA. Additionally, Broker-Dealer shall notify Distributor of any regulatory investigation, fine or sanction concerning an individual or firm who is authorized to represent Distributor or Company under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I.that Broker-Dealer will promptly notify the Company of any allegation that the Broker-Dealer, or any of its affiliates or Registered Representatives, violated any law or regulation which may impact their ability to represent the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;J.that neither Broker-Dealer nor any of its Registered Representatives will solicit applications for Contracts in any state, jurisdiction or commonwealth unless the Contract has been approved for sale by the appropriate regulatory authority in that state, jurisdiction or commonwealth.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;K.that Broker-Dealer shall furnish the Company with proof of proper insurance licensing for itself and its Affiliates, and its Registered Representatives. Broker-Dealer will also notify the Company in writing immediately of the termination of the employment or affiliation of a Registered Representative who is appointed to represent the Company pursuant to this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;L.that with regard to life insurance Contracts, Broker-Dealer agrees to submit to the Company cases from Broker-Dealer which have been packaged for underwriting purposes. Such case packages should include the application, a copy of the as-sold illustration, all relevant financialinformation, and either copies of relevant attending physicians' statements and other required medical information or a listing of the medical underwriting requirements Broker-Dealer has ordered. Broker-Dealer further agrees to submit informal or inquiry case packages for underwriting purposes that include only the relevant information needed to assess the risk; that in obtaining and assembling this information it is acting as the representative of the applicant, proposed insured and not as an agent of the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;M.that Broker-Dealer agrees that all terms and conditions of this Agreement apply to Broker-Dealer, any Affiliate of Broker-Dealer that is set forth in Schedule A, and any Registered Representative of Broker-Dealer or any Affiliate who solicits applications for Contracts on behalf of Broker-Dealer or its Affiliate; Broker-Dealer further agrees to ensure that such Registered Representatives and Affiliates comply with all terms and conditions of this Agreement. Furthermore, Broker-Dealer agrees to notify Company immediately if Broker-Dealer, its Registered Representatives or Affiliates breach any terms and conditions of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;N.that no Company Policy shall be sold where, at the time of delivery, the Broker-Dealer or anyone associated with Broker-Dealer has knowledge that there is a practice or plan to initiate a life insurance policy for the benefit of a third party investor who, at the time of such policy origination, has no insurable interest in the insured.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;O.that Broker-Dealer and anyone associated with Broker-Dealer will not participate directly or indirectly in any transaction where a Company Policy is sold to or used in any manner with a viatical or life settlement company or is part of a viatical or life settlement.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;P.that submission of an application for a Contract is proof that a registered principal of the Broker- Dealer has approved the transaction in accordance with FINRA rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Q.that prior to submitting Company forms to Company, to perform a due diligence review of the Company form in order to determine, from a visual standpoint, whether or not the form is unaltered. Unaltered is defined as a Company form that, upon visual review, has not been changed from its original state. Examples include but are not limited to white-out, scratch outs or any other modifications. Broker-Dealer agrees to only submit Unaltered Company forms to the Company. Certain alterations to data on the form may be acceptable if initialed by the policyowner/insured, as determined by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;R.that for any Contract, Broker-Dealer warrants that the solicitation will be made by use of currently effective prospectus for the Contract and the underlying funds and if required by state law, the Statement of Additional Information for the Contract; that the prospectus will be delivered concurrently with each sales presentation and that no statements shall be made to a client that are inconsistent with any statement made in the prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;S.that Broker-Dealer shall pay all expenses incurred by it in the performance of this Agreement unless specifically provided for in this Agreement or in a writing signed by the Company and/or Distributor and Broker-Dealer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;T.that with regard to any bank marketing, Broker-Dealer will comply with the disclosure and advertising requirements implemented by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Office of Thrift Supervision and all other applicable laws and requirements, including but not limited to disclosures with respect to the sale or recommendation of Contracts, marketing material and illustrations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;U.that Broker-Dealer shall notify Distributor and/or Company prior to recommending a Registered Representative for appointment if that Registered Representative has been placed under heightened supervision by the Broker-Dealer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;V.to complete a permanent registration for the PrudentialXpress website at <u>www.pruxpress.com</u> (hereinafter the "Website") within 30 days of the effective date of this Agreement. Use of the Website will be subject to the terms and conditions of the Website.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;W.for the term of the Agreement to access the Website no less frequently than once every 90 days and to read and review the "Notices & Schedules" of the Licensing Section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;X.for the term of the Agreement, to maintain an active Website registration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;V.<u>Independent</u> <u>Contractor</u>

Broker-Dealer is an independent contractor under this Agreement. Nothing herein contained shall make Broker-Dealer, or any Registered Representative, an employee of Company or Distributor. Neither Broker- Dealer nor its Registered Representatives shall hold themselves out to be employees of Company or Distributor in any dealings with the public. Broker-Dealer and its Registered Representatives are free to exercise independent judgment as to the time, place and means of performing the authority granted, subject to the terms and conditions of this Agreement. Broker-Dealer's business and any services provided by Broker-Dealer or its Registered Representatives, other than those authorized by this Agreement, are not and will not be represented to be the business of the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;VI.<u>Obligations Of The Company And</u> <u>Distributor</u>

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.Company and Distributor reserve the right at any time, and without notice to withdraw and limit the offering of Contracts or interest in any accounts relating thereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.Distributor, during the term of this Agreement, will advise Broker-Dealer of the issuance by the SEC of any stop order with respect to the registration statements or any amendments thereto or the initiation of any proceedings for that purpose or for any other purpose relating to the registration and/or offering of the Contracts and of any other action or circumstance that may prevent the lawful sale of any Contract in any state or jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.During the term of this Agreement, Distributor shall promptly advise Broker-Dealer of any amendment to any registration statement or any amendment or supplement to any prospectus included within the registration statement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;VII.<u>Sales, Advertising, and Marketing Materials/Use of Name/Logo – Prior Review and Written Approval</u> <u>Required</u>

Broker-Dealer agrees that any material it develops, approves or uses for sales, training, advertising, marketing, explanatory, website or other purposes that it intends to publish, distribute, use or display in any manner or in any media in existence today or hereinafter created that mentions by name the Contracts, the Distributor or the Company or contains the name, marks or logos of the Company (or an affiliate of the Company or any logos of any of them) will not be used without the prior written consent of the appropriate party (Company or Distributor). Broker-Dealer, its Registered Representative will not publish, issue, circulate, or use in any manner whatsoever any advertisements or marketing materials describing or referring to the Company or Distributor, the Contracts, or any product of the Company unless such advertisements or marketing materials have been approved in writing in advance by the appropriate party (Company or Distributor) and such approval has not been withdrawn. Approved materials may not be altered without the prior written approval of the Distributor or the Company except that any approved content that contains ratings or financial data relating to Distributor, Company and/or any of its affiliates must be maintained current and up-to-date. Broker-Dealer is authorized to and responsible for obtaining the most recent information and update ratings and financial data content to most recent quarter or annual information, whichever is applicable. This updated information must be obtained directly from Distributor or the Company.

Once approved for use, the Company hereby grants a non-exclusive, non-transferable, non-assignable revocable, royalty-free limited license to use the Prudential Logo and the Company names as set forth in the attached Schedule E (Collectively, the Company Marks") on the approved materials and/or website, only in connection with content approved in advance in writing by the Company. If Broker-Dealer uses the Company Marks, on its website, it represents and warrants that its website will not contain libelous, defamatory, obscene, pornographic, abusive or otherwise unlawful material or material that infringes the rights of third parties. Broker-Dealer acknowledges that any use by Broker-Dealer of the Company Marks pursuant to this Agreement shall inure to the benefit of Company.

Broker-Dealer further acknowledges Company's exclusive rights in the Company Marks and the goodwill pertaining thereto and agrees that it shall not challenge the validity of Company's ownership thereof or the validity of this Agreement. Broker-Dealer may only use the Prudential Logo in the exact color (PMS 300) and black, and in the electronic format provided by the Company. Broker-Dealer must also follow the Company's Logo Standards attached hereto as Schedule F.

Broker-Dealer acknowledges that it has no right, title, license, or interest, express or implied, in and to the Prudential name/marks and/or Rock Prudential Logo, except for the limited purpose specifically provided in this Agreement.

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Broker-Dealer, its Registered Representatives will not misrepresent the Contracts or the Company and Distributor and will make no oral or written representation which is inconsistent with the terms of the Contracts or with the information in any illustration or sales literature furnished by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;VIII.<u>Payments</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.Neither Broker-Dealer nor its Registered Representatives can accept cash or any other form of payment made payable to the Broker-Dealer or any Registered Representative.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.Broker-Dealer may accept a check or money order made payable to the Company, but only for Contracts and under the following circumstances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.when the application and the check are submitted simultaneously and the Company's standards for prepaid applications have been met, or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.the Company's delivery requirements have been met and the Contract has been delivered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.The check or money order must be forwarded to the Company within one business day of receipt by the Broker-Dealer or its Registered Representative.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;IX.<u>Compensation</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.Company shall arrange for the payment of compensation to Broker-Dealer or its Affiliate, if applicable, as compensation for the sale of Contracts by a Registered Representative of Broker- Dealer, Distributor shall cause Company to arrange for the payment of compensation to Broker- Dealer or its Affiliate, if applicable and allowable under federal law. The amount of compensation payable under this section (hereinafter "Compensation") shall be in accordance with the Company's Commission Schedule in effect as of the date of issue, as determined by the Company for each Contract. If the Company determines the Broker-Dealer is eligible for any expense allowances or a Compensation arrangement that differs from the commission schedules posted to the Website, such Compensation will be communicated to the Broker-Dealer in writing in a separate Schedule. No Compensation is payable unless the Broker-Dealer and the Registered Representative have first complied with all applicable insurance laws, rules and regulations and such payments would not constitute a violation of such insurance laws, rules and regulations, anything in this Agreement to the contrary notwithstanding. The Broker-Dealer or Affiliate will only be entitled to compensation for Contracts that have been submitted by the Broker-Dealer, accepted by the Company, delivered to the Contract owner and where all the requirements of the Company's Licensing, Appointment and Registration Policy have been satisfied (hereinafter "Contracts Placed by Broker-Dealer").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.If the Company returns, for any reason, any premiums or purchase payments on any Contract, rescinds the Policy or considers the Policy to be void from inception, the Broker-Dealer will have an immediate obligation to, and will upon demand, repay the Company all the Compensation previously paid to the Broker-Dealer or its Affiliate as a result of those premiums or purchase payments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.The Company shall have and be entitled to exercise a right of offset for any amounts due the Company, or any affiliate of the Company, from Broker-Dealer against any and all Compensation otherwise payable to Broker-Dealer under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.When two or more Broker-Dealers are involved in a sale, Compensation will be payable in proportion as directed on the application or in a writing acceptable to the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E.No further Compensation is payable to the Broker-Dealer or Affiliates after the Contract sold by the Broker-Dealer has lapsed, or after the discontinuation of premium payments, but should the Broker-Dealer secure the reinstatement of the Contract, while properly licensed to do so, the

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Company will pay compensation to the Broker-Dealer on premiums collected, as though the Contract had not lapsed. With regard to a Contract not sold by the Broker-Dealer, but where the Broker-Dealer secures the reinstatement and signs the reinstatement form, if the time between the lapse and reinstatement is less than three months, no compensation shall be payable to the Broker- Dealer. However, if the time between the lapse and the reinstatement is greater than three months, all compensation (current and future) shall be payable to the Broker-Dealer based upon the original issue date of the Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F.No compensation will be paid on any premium that is waived.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G.If a Contract or Policy is converted from or replaces, in whole or in part, a policy or contract or annuity contract previously issued by this Company, Hartford Life Insurance Company, Hartford Life and Annuity Insurance Company or by any insurer where Company is reinsuring the policy or contract, the Company has the right to determine what, if any, compensation will be allowed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.Notwithstanding anything to the contrary in the Agreement or any Commission Schedule, Company has the right to determine what, if any, compensation will be allowed when premium payments made during any policy or contract year exceed Company's premium limits in place when the Policy or Contract was issued and placed. If the Company pays any Compensation on premium that exceeds such limits, the Broker-Dealer will have an immediate obligation to, and will upon demand, repay the Company all the Compensation previously paid to the Broker-Dealer or its Affiliate related to such Policy or Contract as a result of such premiums payments exceeding Company's limits.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H.No Compensation will be paid on any Contract issued as a result of the conversion of group life insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;I.Compensation set forth in the Schedule D of this Agreement is subject to change at any time upon Notice to Broker-Dealer. Changes will not affect Compensation for any Contract placed prior to the effective date of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;J.Service Compensation, if applicable as defined in Schedule D, shall be payable for the period and upon the terms set forth in Schedule D.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;K.No assignment of Compensation is valid against the Distributor and/or Company unless directed by Broker-Dealer and agreed upon by Distributor and/or Company and unless allowable under all applicable laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;L.Notwithstanding any provision of this Agreement to the contrary, if the transaction is subject to the jurisdiction of the New York Insurance Department, no Compensation in excess of the compensation limits established by the Insurance Law of the State of New York will be due or payable by the Company to Broker-Dealer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;M.No Compensation is payable on any extra war risk premium which may be charged in connection with any Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;N.If a Contract is changed to a different kind or amount, or if its date is changed, the Company will recalculate Compensation as of the date of the change. Additional Compensation will be paid or recaptured as a result of this calculation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;O.Compensation on premiums paid more than three months in advance are payable on the date the premiums are due.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;P.No compensation shall be paid, and any compensation previously paid shall be returned to the Company or Distributor on request, if the Company or Distributor, in its sole discretion, determines not to issue the Contract(s) applied for, refunds the premium paid pursuant to any request by the

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Contract owner, refunds any premium paid as the result of a complaint by the Contract owner, or determines that any person or entity required to be licensed for the solicitation of Contracts is not duly licensed to sell such Contracts in the appropriate jurisdictions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Q.Upon the termination of this Agreement, the Company will pay Compensation to the Broker-Dealer or its Affiliate on any renewal Compensation which would otherwise be due on business placed with Company prior to the termination date of this Agreement unless such receipt of renewal Compensation is determined to violate current directives to the contrary as provided by FINRA, state or federal law or regulation or a court of competent jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;R.Compensation due is vested to the Broker-Dealer for the period set forth in the attached Schedule D and if such receipt of Compensation is permitted by applicable state and federal law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;S.If any withdrawals are made from any Contract during the first twelve months of the Contract, Company will recapture Compensation attributable to the withdrawal of the premium, but not attributable to the withdrawal of the earnings on the premium.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;T.The Company will determine the amount of Compensation payable for a Contract placed by Broker-Dealer, which was not included in Schedule D at the time of sale.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;X.<u>Books And</u> <u>Records</u>

Broker-Dealer shall have the responsibility for maintaining its records and the records of its Registered Representatives and Affiliates. Broker-Dealer shall maintain such other records as are required of it by applicable federal and state laws and regulations and FINRA rules. These records will be made available to the Distributor and Company for inspection upon request, including after termination of this Agreement. The books and records maintained by Broker-Dealer under the terms of this Agreement that relate to the sale of the Contracts, shall be maintained so as to clearly and accurately disclose the nature and details of the transactions as required by appropriate laws, rules and regulations and for the period required by law. Broker-Dealer and its Registered Representatives and Affiliates shall also comply with any record hold order issued by the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XI.<u>Complaints, Investigations and</u> <u>Proceedings</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.Broker-Dealer agrees to immediately provide Notice to Company of any Policy complaints, investigations or disciplinary proceedings received by Broker-Dealer or any of its affiliates or Registered Representatives relating to the Policies, Company or any threatened or filed action or civil litigation arising out of the conduct of business under this Agreement. Additionally, Broker- Dealer shall immediately forward to Company, by certified mail and to the address provided for Notice in this Agreement any legal process or notice of claims served on Broker-Dealer or any of its affiliates or Registered Representatives in a suit or proceeding against Broker-Dealer or any of its affiliates or Registered Representatives arising out of the conduct of business under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.Broker-Dealer and any of its affiliates and Registered Representatives shall cooperate with Company in investigating and responding to any complaint, attorney demand, or inquiry received from state insurance departments or other regulatory agencies or legislative bodies, and in any settlement or trial of any actions arising out of the conduct of business under this Agreement. Cooperate, as referred to in this provision, shall include, but is not limited to, the provision of information as may be necessary to furnish Company with a complete understanding of the facts and circumstances surrounding the complaint, demand or inquiry.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.Any response by Broker-Dealer or any of its affiliates or Registered Representatives to a Policy complaint arising out of the conduct of business under this Agreement must be sent to Company for its approval before being sent. Any responses to such Policy complaints must be sent to

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Company not less than fifteen (15) business days before being sent, except that if a more prompt response is required, the proposed response may be communicated to Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.Broker-Dealer and any of its affiliates or Registered Representatives are not authorized, and are expressly forbidden, from settling or offering to settle any complaint or litigation from a Policy owner, assignee, beneficiary or other party in interest to a Policy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XII.<u>Term of Agreement; Suspension; Termination;</u> <u>Survival</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.This Agreement shall be in force from its Effective Date and thereafter shall remain in force, except that either party may unilaterally terminate this Agreement upon thirty (30) days' Notice to the other party of its intention to do so.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.This Agreement may be terminated for cause by the Company and/or Distributor for, but not limited to, any of the following reasons:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.fraud by Broker-Dealer or Registered Representatives;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.material misrepresentations by Broker-Dealer or Registered Representatives regarding the Company, Distributor, or the Company's products, or the performance of either;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.conversion of funds by Broker-Dealer;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.breach of this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.the suspension, revocation, cancellation or rescission of any state insurance license or FINRA license or registration of Broker-Dealer or Registered Representatives; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.insolvency of Broker-Dealer.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.Termination for any of the reasons set forth in sub-sections B.1. through B.4. will occur immediately upon Notice to Broker-Dealer. Termination for the reason set forth in sub-section

B.5. and B.6. will occur automatically at the date and hour of the action described in sub-section

B.5. and B.6.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.Either party shall have the right to suspend Broker-Dealer's right to solicit and sell Contracts to potential contract owners, by giving the other party thirty (30) days notice of the suspension.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E.Upon termination of this Agreement, all authorizations, rights and obligations shall cease except those contained in Sections IV, VII, VIII, IX, X, XI, XIII, XV, and XVI.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XIII.<u>Indemnity</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.<u>Indemnification by Distributor</u> – The Distributor agrees to indemnify and hold harmless Broker- Dealer, its directors, trustees, and officers, and each person, if any, who controls the Broker-Dealer within the meaning of Section 15 of the Securities Act, (collectively, the "Indemnified Parties" for the purposes of this Section) against any and all losses, claims, damages, liabilities (including amounts paid in settlement) or litigation expenses (including legal and other expenses), to which the Indemnified Parties may become subject as a result of any untrue statement of any material fact contained in any registration statement, prospectus, or any other sales or offering materials furnished by the Distributor or approved in writing by the Distributor relating to the Contracts or related separate account (or any amendment or supplement to any of the foregoing), or as a result of the omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.<u>Indemnification by Company</u> – Company agrees to indemnify and hold harmless Broker-Dealer, its directors, trustees, and officers, and each person, if any, who controls the Broker-Dealer within the meaning of Section 15 of the Securities Act, (collectively, the "Indemnified Parties" for the purposes of this Section) against any and all losses, claims, damages, liabilities (including amounts paid in settlement) or litigation expenses (including legal and other expenses), to which the Indemnified Parties may become subject as a result of any untrue statement of any material fact contained in any registration statement, prospectus, or any other sales or offering materials furnished by the Company or approved in writing by the Company relating to the Policies or related separate account (or any amendment or supplement to any of the foregoing), or as a result of the omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.<u>Indemnification by the Broker-Dealer</u> - Broker-Dealer shall indemnify, defend and hold harmless the Company and Distributor and each person who controls or is associated with the Company or Distributor within the meaning of the federal securities laws and any director, officer, corporate

agent, employee, attorney, and any representative thereof, from and against all losses, expenses, claims, damages and liabilities (including any costs of investigation and legal expenses and any amounts paid in settlement of any action, suit or proceeding of any claim asserted) which result from, arise out of or are based upon:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.any breach by Broker-Dealer, its Registered Representatives or Affiliates of any provision or term or condition of this Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.any violation by Broker-Dealer, its Registered Representatives or Affiliates of any federal, state, local or foreign law or regulation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.any claim by a Registered Representative against the Company or Distributor for Compensation; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.bad faith, negligence, misconduct, willful malfeasance or omissions of the Broker-Dealer, its Registered Representatives or Affiliates in the solicitation of applications for, or sales of, Contracts or any other unlawful sales practices or conduct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.If a party is named in any lawsuit or other proceeding for which such party believes it may be entitled to indemnification hereunder, such party will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.Promptly notify the indemnifying party of any such proceeding, investigation, or litigation and furnish the indemnifying party with a copy of any notices, pleadings and other correspondence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Provide the indemnifying party reasonable opportunity to consult with the indemnified party in the development of strategy and the substantive position to be taken, and the determination of the course of action to be taken; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.Consider in good faith any suggestion made by the indemnifying party and follow the recommendations of the indemnifying party, including its recommendations as to settlement, compromise or other agreed upon resolution of the proceeding, provided there is a reasonable basis for such recommendations and there is no material adverse effect on the indemnified party.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E.The Indemnifying Party, upon the request of the indemnified party, shall retain counsel reasonably satisfactory to the indemnified party to represent the indemnified party and any others the indemnifying party may designate in such proceeding and shall pay the fees and disbursements of such counsel related to such proceeding.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XIV.<u>Fidelity</u> <u>Bond</u>

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Broker-Dealer agrees that all directors, officers and employees of Broker-Dealer and all its Registered Representatives who are appointed pursuant to this Agreement or who have access to funds of the Company and/or Distributor are and will continue to be covered by a blanket fidelity bond including coverage for larceny, embezzlement or any other defalcation, issued by a reputable bonding company. This bond shall be maintained at Broker-Dealer's expense. Such bond shall be at least equivalent to the minimal coverage required under FINRA Conduct Rules, endorsed to extend coverage to life insurance and annuity transactions. Broker-Dealer acknowledges that the Company and/or Distributor may require evidence that such coverage is in force and Broker-Dealer shall promptly give Notice to the Company and/or Distributor of any notice of cancellation or change of coverage. Broker-Dealer assigns any proceeds received from the fidelity bond company to the Company and/or Distributor to the extent of the Company's and/or Distributor's loss due to activities covered by the bond. If there is any deficiency, Broker-Dealer will promptly pay the Company and/or Distributor that amount on demand, and Broker-Dealer shall indemnify and hold harmless the Company and/or Distributor from any deficiency and from the cost of collection. Additionally, Broker-Dealer and its Affiliates shall maintain other errors and omissions or liability insurance acceptable to Company and/or Distributor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XV.<u>Privacy & Cybersecurity</u>

Each party acknowledges that they may be provided with information or access information about customers of Company or Broker-Dealer ("Customer Information"). Each party agrees to comply with all federal, state, provincial and/or local law or regulation related to privacy. Furthermore, each party represents and warrants that it has implemented and currently maintains an effective information security program to protect the Customer Information, which program includes administrative, technical, and physical safeguards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.to ensure the security and confidentiality of Customer Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.to protect against any anticipated threats or hazards to the security or integrity of such Customer Information; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.to protect against unauthorized access to or use of Customer Information which could result in substantial harm or inconvenience to either party or other affiliates, or to customers of any of them.

Broker-Dealer shall promptly notify Company if Broker-Dealer is in material breach of this provision. Broker-Dealer shall promptly notify Company if it has suffered a breach of security of personal information affecting any consumer to whom Broker-Dealer has sold any Company Policy.

Each party agrees that it shall keep and maintain all Confidential Information (as defined below) in strict confidence, using such degree of care as is appropriate to avoid unauthorized use or disclosure; and shall use and disclose Confidential Information solely for the purposes for which such information, or access to it, is provided pursuant to the terms of this Agreement. Each party further agrees that it shall not, directly or indirectly, disclose Confidential Information to any third party, except with the disclosing party's prior written consent or as permitted under the terms of this Agreement. Notwithstanding any other provision of this Agreement with Broker-Dealer regarding Confidential Information, in the event that access to or delivery of any Confidential Information is requested of Company by a regulatory, self-regulatory or supervisory authority having appropriate jurisdiction, Company may comply with such request.

For purposes of this provision, Confidential Information is defined as information respecting all past, present or future business activities of each party, written or oral, including without limitation: information relating to a party's planned or existing businesses or initiatives; organizational restructuring plans; actual and projected sales, profits and other financial information; technology (computer systems and architecture, computer hardware and software, methods); processing and operational methods; insurance, annuities and financial services product strategies, actuarial calculations, designs,

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administration and management; tax interpretations or positions; information respecting or materials of third parties with whom a party conducts business; and employees and personnel; and any policies, procedures and standards. Notwithstanding the foregoing, Confidential Information does not include information that (i) is lawfully made available to the general public, (ii) is or becomes generally known to the public not as a result of a disclosure by the receiving party, (iii) is rightfully in the possession of the receiving party prior to disclosure by the disclosing party, (iv) is received by a party in good faith and without restriction from a third party reasonably believed to have the right to make such disclosure, or (v) is independently developed by or for the receiving party without use or reference to the Confidential Information.

Without limiting the foregoing, or any other provision in this Agreement, Broker-Dealer will comply with the requirements set forth in Schedule G attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XVI.<u>Anti-Money</u> <u>Laundering</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.Broker-Dealer, its Registered Representatives and Affiliates agree to comply with applicable laws, regulations and self-regulatory organization rules and guidance governing the detection, prevention and reporting of money laundering and terrorist financing activities, including, but not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) provisions of the USA PATRIOT Act of 2001 and regulations thereunder; (2) provisions of the Bank Secrecy Act and regulations thereunder; (3) relevant rules and regulations promulgated by the Office of Foreign Assets Control; (4) relevant rules and guidance of FINRA; and (5) all record

keeping, reporting and auditing requirements of these laws, regulations and rules. Distributor and Company shall have the right, upon reasonable Notice, to obtain and review documentation evidencing compliance with the foregoing laws, regulations and rules. Broker-Dealer agrees to promptly notify Distributor and Company if it becomes aware of any changes in the representations set forth herein.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.Broker-Dealer agrees that it has developed and adopted a Customer Identification Program in accordance with Section 326 of the USA PATRIOT Act and all implementing rules and regulations, including rules contained in Securities and Exchange Commission Release No. 34-47752. Such Customer Identification Program must provide reasonable procedures to: (1) verify the identity of any person seeking to open an account with Broker-Dealer; (2) maintain records of the information used by Broker-Dealer to verify the person's identity; and (3) determine whether a customer appears on any list of known or suspected terrorists or terrorist organizations issued by any Federal governmental agency.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.Broker-Dealer agrees to require and ensure that its Registered Representatives and Affiliates have completed anti-money laundering training.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.Broker-Dealer agrees, upon request to provide Distributor with a certification declaring (i) that it has implemented its anti-money laundering program in accordance with Section 352 of the USA PATRIOT Act, (ii) that it or its agent will perform the specified requirements of Broker-Dealer's Customer Identification Program in the manner contemplated by Section 326 of the USA PATRIOT Act and all implementing rules and regulations, and (iii) its Registered Representatives and Affiliates have completed the foregoing anti-money laundering training.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XVII.<u>General</u> <u>Provisions</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.<u>Assignability</u> – This Agreement shall not be assigned by either party without the prior written consent of the other.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.<u>Non-Waiver</u> - Any right(s) not enforced by the Company or Distributor under this Agreement will not be construed as a waiver of any of the terms and conditions of this Agreement and the same

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will remain in full force and effect. A waiver of any provision in this Agreement will not be deemed to be a waiver of any other provision, whether or not similar, nor will any waiver of a provision in this Agreement be deemed to constitute a continuing waiver.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.<u>Severability</u> - Any term or provision of this Agreement which is invalid pursuant to the laws and regulations of that jurisdiction will, as for that jurisdiction, be ineffective. Such term or provision will not render the remaining terms and provisions of this Agreement invalid. In addition, such term or provision will not affect the validity of any of the terms or provisions of this Agreement in any other jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D.<u>Captions</u> - The captions or headings of this Agreement are for convenience and ease of reference only. They will have no effect on the meaning or interpretation of any provision of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E.<u>Amendment</u> - The Company or Distributor reserves the right to amend this Agreement at any time. Submission of an application for a Contract after Notice of such amendment will constitute agreement of the Broker-Dealer to such amendment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F.<u>Entire Agreement</u> – This Agreement and its Schedules and Addendums constitute the entire agreement between the parties and supersedes all prior agreements and understandings, oral and written.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G.<u>Policy/Contract Issuance</u> – Company reserves the right, in its sole discretion, not to issue a Policy or Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XVIII.<u>Effective</u> <u>Date</u> 

This Agreement is effective once fully executed by both the Distributor and Broker-Dealer. The Effective Date shall be the date the Distributor executes the Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XIX.<u>Governing</u> <u>Law</u>

This Agreement shall be governed by and construed in accordance with the laws of the State of New Jersey (without regard to the conflicts of laws provisions) thereof and that in all cases where a party seeks relief in connection with this Agreement in a court of competent jurisdiction, the exclusive forum and venue shall be the state and federal courts having jurisdiction and venue in the State of New Jersey.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;XX.<u>Notice</u>

Notice to the Broker-Dealer under this Agreement will be provided by the Company or Distributor and will be deemed given as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.When posted to the "Notices & Schedules" page of the Company's Website;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.When sent electronically by e-mail to the Broker-Dealer's most recent e-mail address on file with the Company or Distributor; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.When provided in writing and sent by facsimile, prepaid overnight courier, or first-class mail to the Broker-Dealer's most recent address on file with the Company.

All notices to the Company under this Agreement will be provided electronically by the Broker-Dealer and sent to: Business Controls Team at bqc.mailbox@prudential.com.

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IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be duly executed as of the dates set forth below.

Broker-Dealer Name: _______________________________________________

Address: _________________________________________________________

Broker-Dealer email address: ________________________________________

TIN: <u>xx-xxxxxxx</u>

&nbsp;&nbsp;&nbsp;&nbsp;Name: _________________________________________________________

&nbsp;&nbsp;&nbsp;&nbsp;Signature: ______________________________________________________

Title: __________________________________________________________

Date: __________________________________________________________

PRUCO SECURITIES, LLC

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

By: <u>&nbsp;&nbsp;&nbsp;&nbsp;</u>

Date: <u>&nbsp;&nbsp;&nbsp;&nbsp;</u>

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**<u>SCHEDULE A</u>**

Each of the undersigned is affiliated with Broker-Dealer and represents that it holds the necessary corporate insurance license to act in connection with the sale of Contracts, as defined in the Agreement, in those states so identified next to its name. By executing this Schedule A each of the undersigned agrees to be bound by the terms and conditions of the Agreement as if each Affiliate was the Broker-Dealer for purposes of applying the terms and conditions of this Agreement.

Insurance Affiliate name: _________________________________________________

TIN: _________________________________________________________________

States: ________________________________________________________________

Officers Signature: ______________________________________________________

Insurance Affiliate name: _________________________________________________

TIN: _________________________________________________________________

States: ________________________________________________________________

Officers Signature: ______________________________________________________

Insurance Affiliate name: _________________________________________________

TIN: _________________________________________________________________

States: ________________________________________________________________

Officers Signature: ______________________________________________________

Insurance Affiliate name: _________________________________________________

TIN: _________________________________________________________________

States: ________________________________________________________________

Officers Signature: ______________________________________________________

Insurance Affiliate name: _________________________________________________

TIN: _________________________________________________________________

States: ________________________________________________________________

Officers Signature: ______________________________________________________

Insurance Affiliate name: _________________________________________________

TIN: _________________________________________________________________

States: ________________________________________________________________

Officers Signature: ______________________________________________________

Insurance Affiliate name: _________________________________________________

TIN: _________________________________________________________________

States: ________________________________________________________________

Officers Signature: ______________________________________________________

VARIABLE BDSA_5-2021

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&nbsp;&nbsp;&nbsp;&nbsp;

**<u>SCHEDULE B</u>**

<u>Contracts for Pruco Life Insurance Company</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• PruLife<sup>®</sup> Custom Premier II\* ("VUL" Flexible Premium Variable Universal Life Insurance Contract)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• VUL Protector®\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• PruLife<sup>®</sup> SVUL Protector℠\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prudential FlexGuard® Life IVUL

<u>Contracts for Pruco Life Insurance Company of New Jersey</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• PruLife<sup>®</sup> Custom Premier II\* ("VUL" Flexible Premium Variable Universal Life Insurance Contract)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• VUL Protector®\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• PruLife<sup>®</sup> SVUL Protector℠\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prudential FlexGuard® Life IVUL

\* Securities under the Securities Act of 1933

VARIABLE BDSA_5-2021

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&nbsp;&nbsp;&nbsp;&nbsp;

**<u>SCHEDULE C - List of Policies and Procedures</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Licensing, Appointment and Registration Policy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Prudential's Position on Life Insurance Replacement and Financing

VARIABLE BDSA_5-2021

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&nbsp;&nbsp;&nbsp;&nbsp;

**<u>SCHEDULE E – Company Marks</u>**

PRUCO SECURITIES, LLC

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

![capture7.jpg](capture7.jpg)

VARIABLE BDSA_5-2021

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&nbsp;&nbsp;&nbsp;&nbsp;

**<u>SCHEDULE F - Prudential Logo and Standards</u>**

![capture78.jpg](capture78.jpg)

VARIABLE BDSA_5-2021

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&nbsp;&nbsp;&nbsp;&nbsp;

![captureu.jpg](captureu.jpg)

![capture.jpg](capture.jpg)

VARIABLE BDSA_5-2021

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&nbsp;&nbsp;&nbsp;&nbsp;

**SCHEDULE G - CYBERSECURITY OBLIGATIONS SCHEDULE**

This Schedule G supplements the terms and conditions of the Agreement and, unless a provision in the Agreement is more protective of Company, this Schedule G shall control in the event of any inconsistency between the Agreement and this Schedule G. Additionally, to the extent not in conflict with this Schedule G, the parties acknowledge and agree that Broker-Dealer's obligations under the Agreement with respect to information security and confidentiality shall apply to Nonpublic Information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

1.<u>Definitions</u>. As used in this Schedule G, the following capitalized terms will have the meanings set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.1."**Cybersecurity Event**" means any act or attempt, successful or unsuccessful, to gain unauthorized access to, disrupt or misuse an Information System or information stored on such Information System.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2."**Information System**" means a discrete set of electronic information resources organized for the collection, processing, maintenance, use, sharing, dissemination or disposition of electronic information, as well as any specialized system such as industrial/process controls systems, telephone switching and private branch exchange systems, and environmental control systems.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3."**Multi-Factor Authentication**" means authentication through verification of at least two (2) of the following types of authentication factors: (a) knowledge factors, such as a password; (b) possession factors, such as a token or text message on a mobile phone; or (c) inherence factors, such as a biometric characteristic.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4."**Nonpublic Information**" means information that is not Publicly Available Information and is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) &nbsp;&nbsp;&nbsp;&nbsp;business related information of Company the tampering with which, or unauthorized disclosure, access or use of which, would cause a material adverse impact to the business, operations or security of Company;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) &nbsp;&nbsp;&nbsp;&nbsp;any information concerning an individual which because of name, number, personal mark, or other identifier can be used to identify such individual, in combination with any one or more of the following data elements: (i) social security number, (ii) drivers' license number or non-driver identification card number, (iii) account number, credit or debit number, (iv) any security code, access code or password that would permit access to an individual's financial account, or (v) biometric records; or

For the avoidance of doubt, the term Nonpublic Information includes Confidential Information and Customer Information, each as defined in the Agreement. To the extent not in conflict with this Schedule, Broker-Dealer's obligations under the Agreement with respect to information security and confidentiality shall also apply to Nonpublic Information.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5."**Penetration Testing**" means a test methodology in which assessors attempt to circumvent or defeat the security features of an Information System by attempting penetration of databases or controls from outside or inside an Information System.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6."**Person**" means any individual or any non-governmental entity, including but not limited to any non-governmental partnership, corporation, branch, agency or association.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.7."**Publicly Available Information**" means any information that Company has a reasonable basis to believe is lawfully made available to the general public from: (a) federal, state or local government records; (b) widely distributed media; or (c) disclosures to the general public that are required to be made by federal, state or local law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.8."**Risk Assessment**" means the risk assessment that Broker-Dealer is required to conduct under Section 7 (Risk Assessments) of this Schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.9."**Risk-Based Authentication**" means any risk-based system of authentication that detects anomalies or changes in the normal use patterns of a Person and requires additional verification of the Person's identity when such deviations or changes are detected, such as through the use of challenge questions.

2.<u>Cybersecurity Program</u>. Broker-Dealer represents, warrants and covenants that it has implemented and maintains, and shall continue to maintain, a cybersecurity program that includes administrative, technical and physical safeguards

VARIABLE BDSA_5-2021

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&nbsp;&nbsp;&nbsp;&nbsp;

designed to protect the confidentiality, integrity and availability of Nonpublic Information and Broker-Dealer's Information Systems. Broker-Dealer's cybersecurity program is, and shall remain, designed to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) &nbsp;&nbsp;&nbsp;&nbsp;identify and assess internal and external cybersecurity risks that may threaten the security or integrity of Nonpublic Information stored on Broker-Dealer's Information Systems;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) &nbsp;&nbsp;&nbsp;&nbsp;use defensive infrastructure and implement policies and procedures to protect Broker-Dealer's Information Systems, and Nonpublic Information stored on such Information Systems, from unauthorized access, use or other malicious acts and minimize the likelihood of harm to any individual;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) &nbsp;&nbsp;&nbsp;&nbsp;detect Cybersecurity Events;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) &nbsp;&nbsp;&nbsp;&nbsp;respond to identified or detected Cybersecurity Events to mitigate any negative effects;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) &nbsp;&nbsp;&nbsp;&nbsp;recover from Cybersecurity Events and restore normal operations and services;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(f) &nbsp;&nbsp;&nbsp;&nbsp;fulfill applicable regulatory reporting obligations; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(g)&nbsp;&nbsp;&nbsp;&nbsp;define and periodically reevaluate a schedule for retention of Nonpublic Information and a mechanism for its destruction when no longer needed.

3.<u>Cybersecurity Policies</u>. Broker-Dealer shall implement and maintain a written policy or policies, approved by its board of directors or equivalent governing body, setting forth Broker-Dealer's policies and procedures for the protection of its Information Systems and Nonpublic Information stored on such Information Systems. Such policies will address the following areas, to the extent applicable: (a) information security; (b) data governance and classification; (c) asset inventory and device management; (d) access controls and identity management; (e) business continuity and disaster recovery planning and resources; (f) systems operations and availability concerns; (g) systems and network security; (h) systems and network monitoring; (i) systems and application development and quality assurance; (j) physical security and environmental controls; (k) customer data privacy; (l) vendor and third party service provider management; (m) risk assessments; and (n) incident response.

4.<u>Chief Information Security Officer</u>. Broker-Dealer shall designate a qualified individual responsible for overseeing and implementing its cybersecurity program and enforcing its cybersecurity policies, and will use qualified cybersecurity personnel to manage its cybersecurity risks and perform core cybersecurity functions.

5.<u>Penetration and Vulnerability Testing</u>. Unless Broker-Dealer conducts continuous monitoring of its Information Systems to detect, on an ongoing basis, changes in such Information Systems that may create or indicate vulnerabilities, Broker-Dealer shall conduct: (a) Penetration Testing of its Information Systems at least annually; and (b) vulnerability assessments at least bi-annually, including any systematic scans or reviews of its Information Systems reasonably designed to identify publicly known cybersecurity vulnerabilities.

6.<u>Access Controls and Authentication</u>. Broker-Dealer shall limit user access privileges to its Information Systems that provide access to Nonpublic Information and shall periodically review such access privileges. Broker-Dealer shall use effective controls to protect against unauthorized access to Nonpublic Information and its Information Systems that store Nonpublic Information, including the use of Multi-Factor Authentication or Risk-Based Authentication. Broker-Dealer shall use Multi-Factor Authentication for accessing its internal networks from an external network.

7.<u>Risk Assessments</u>. Broker-Dealer shall conduct a periodic, documented Risk Assessment of its Information Systems sufficient to inform the design of its cybersecurity program. Such Risk Assessment shall be updated as reasonably necessary to address changes to Broker-Dealer's Information Systems, Nonpublic Information or business operations. Broker-Dealer's Risk Assessment shall allow for revision of controls to respond to technological developments and evolving threats and shall consider the particular risks of Broker-Dealer's business operations related to cybersecurity, Nonpublic Information collected or stored, Information Systems utilized and the availability and effectiveness of controls to protect Nonpublic Information and Information Systems.

8.<u>Data Retention</u>. Broker-Dealer shall implement and maintain policies and procedures for the secure disposal on a periodic basis of any Nonpublic Information that is no longer necessary for exercising its rights under the Agreement, unless such information is required to be retained by law or regulation or where disposal is not reasonably feasible due to the manner in which it is maintained. Any Nonpublic Information so retained by Broker-Dealer shall continue to be subject to the Agreement and this Schedule.

9.<u>Encryption</u>. As part of its cybersecurity program, Broker-Dealer shall implement controls, including but not limited to encryption, or alternative compensating controls approved by Company, to protect Nonpublic Information held or transmitted by Broker-Dealer both in transit over external networks and at rest.

VARIABLE BDSA_5-2021

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&nbsp;&nbsp;&nbsp;&nbsp;

10.<u>Notice of Cybersecurity Event</u>. Broker-Dealer shall notify Company as promptly as possible but in no event later than forty-eight (48) hours from a determination that a Cybersecurity Event has occurred. Thereafter, Broker-Dealer shall conduct a prompt investigation of such Cybersecurity Event. Broker-Dealer shall retain records concerning any Cybersecurity Event for a period of at least five (5) years from the date of such Cybersecurity Event and will provide such records upon Company's request.

11.<u>Due Diligence</u>. For the purpose of auditing Broker-Dealer's compliance with this Schedule, Broker-Dealer shall provide to Company, on reasonable notice: (a) access to Broker-Dealer's premises at which Nonpublic Information is processed and records pertaining to Nonpublic Information; and (b) reasonable assistance and cooperation of Broker-Dealer's relevant staff. Broker-Dealer shall also provide to Company, upon request, copies of the then-current policies referenced in Section 3 (Cybersecurity Policies) above and such other documents as are reasonably required by Company to verify Broker-Dealer's compliance with this Schedule.

12.<u>Survival</u>. Broker-Dealer's obligations under this Schedule G shall continue for so long as Broker-Dealer continues to have access to or is in possession of Nonpublic Information, even if the Agreement has been terminated or sales of the Contracts are no longer permitted thereunder (*i.e.*, Broker-Dealer's authorization is limited to only servicing the Contracts).

VARIABLE BDSA_5-2021

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&nbsp;&nbsp;&nbsp;&nbsp;

**AMENDMENT TO BROKER/DEALER SELLING AGREEMENT –**

**FIRST AMENDMENT TO 11 NYCRR 224 (NEW YORK INSURANCE REGULATION 187)**

The Prudential Insurance Company of America, Pruco Life Insurance Company and Pruco Life Insurance Company of New Jersey (collectively, "Company") and Pruco Securities, LLC ("Distributor") hereby provide notice to **[BD name]** and its insurance agency affiliates (collectively, "Selling Firm") pursuant to the Amendment section of that certain Broker/Dealer Selling Agreement among Company, Distributor and Selling Firm dated **[xxx]** ("BDSA") that the BDSA is hereby amended, as set forth below, to add provisions to address the First Amendment to New York Insurance Regulation 187, at 11 NYCRR 224.0 et seq., ("Amended Reg. 187") ("NY 187 Amendment"). This NY 187 Amendment shall be effective as of the Life Effective Date, as defined below. Selling Firm, Company and Distributor are hereinafter referred to collectively as the "Parties."

WHEREAS, the Parties entered into the BDSA for the sale and distribution of certain individual variable life insurance policies that are registered under the Securities Act of 1933, as amended, issued by Company and underwritten by Distributor through registered representatives of Selling Firm ("Variable Policies"), as set forth on the applicable schedule to the BDSA; and

WHEREAS, the New York Department of Financial Services issued Amended Reg. 187, requiring recommendations, as defined in Amended Reg. 187, with respect to, among other things, both new and in-force life insurance policies and certain transactions therein to be in consumers' best interest, effective as of February 1, 2020 for life insurance (the "Life Effective Date").

NOW, THEREFORE, the BDSA is hereby amended as follows:

**1.<u>Compliance with Best Interest Standard and Requirements</u>**. Notwithstanding any provisions to the contrary in the BDSA, the following provisions shall apply to Variable Policies subject to Amended Reg. 187 and shall be in addition to the provisions in the BDSA regarding compliance with applicable federal, state and self-regulatory organization standard of care and suitability requirements for the Variable Policies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.With respect to recommendations (as defined in Amended Reg. 187) involving both new and in-force Variable Policies delivered or issued for delivery in the state of New York (collectively, "NY Products"), Selling Firm shall comply with, and ensure that its registered representatives comply with, the requirements of Amended Reg. 187 applicable to producers, including without limitation, compliance with the best interest, suitability, training, disclosure, information collection, documentation and determination requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.Selling Firm acknowledges and agrees that the submission of an application or transaction request with respect to a NY Product to Company by Selling Firm, a registered representative of Selling Firm shall be deemed to be a representation that Selling Firm and registered representative in connection therewith, complied with all requirements of Amended Reg. 187 as in effect at the time of such submission applicable to Selling Firm and registered representatives, as producers.

**2.<u>Selling Firm Performance of Delegated Functions.</u>** Selling Firm shall establish and maintain a supervision system for the supervision of sales transactions involving NY Products recommended by its registered representatives that meets the requirements of 11 NYCRR 224.6(b) of Amended Reg. 187.

**3.<u>Selling Firm</u> <u>Certification.</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.Selling Firm hereby certifies, and shall hereafter annually certify, the following: "Selling Firm has established and maintains a system of supervision for recommendations of sales transactions involving both new and in-force life

1 of 2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;BD V only(Notice)

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&nbsp;&nbsp;&nbsp;&nbsp;

insurance products issued by The Prudential Insurance Company of America, or Pruco Life Insurance Company, Pruco Life Insurance Company of New Jersey that are or were delivered or issued for delivery in the state of New York ("NY Products"), and such system of supervision includes, but is not limited to, standards and procedures for:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) the collection of a consumer's suitability information with respect to sales transactions involving NY Products; (ii) the documentation and provision of disclosure required by New York insurance regulations, including the relevant suitability considerations and product information, both favorable and unfavorable, that provide the basis for any recommendation with respect to sales transactions involving NY Products; and (iii) the auditing and/or contemporaneous review of recommendations of sales transactions involving NY Products to monitor its registered representatives' compliance with the obligation to act in the best interest of consumers."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.Certifications provided pursuant to this Section will be included in the annual certification letter sent to Selling Firm by Company or posted to PruXpress.

**4.<u>Training.</u>** To the extent that Selling Firm desires to utilize training other than Company-provided or Company- approved training to satisfy the training requirements of Amended Reg. 187, Selling Firm shall provide information about such other training to Company for consideration, and shall not implement such training without Company's prior approval, which shall not be unreasonably withheld.

**5.<u>Audit of Delegated Supervision</u> <u>Functions.</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.Selling Firm shall cooperate with Company in connection with reasonable requests related to Company's audits of supervision functions delegated to Selling Firm by Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.Selling Firm shall maintain and make available upon reasonable request by Company records relating to supervision functions delegated to Selling Firm pursuant to this NY 187 Amendment.

**6.<u>Conflict.</u>** In the event of any conflict between the provisions of this NY 187 Amendment and any provision of the BDSA, the provisions of this NY 187 Amendment shall prevail with respect to the subject matter hereof.

Except as expressly provided herein, all other terms and conditions of the BDSA shall remain in full force and effect.

**THE PRUDENTIAL INSURANCE COMPANY OF AMERICA**

**PRUCO LIFE INSURANCE COMPANY**

**PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY**

**PRUCO SECURITIES, LLC**

![capture8.jpg](capture8.jpg)

By: Ann Nanda Title: Vice President

2 of 2 &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;BD V only(Notice)

## Ex-99.D

**Pruco Life Insurance Company of New** Jersey<br>[Newark, New Jersey 07102]<br>A Stock Company of The Prudential Insurance Company of America<br>

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| | | |
|:---|:---|:---|
| Home Office Address: [213 Washington Street, Newark, New Jersey 07102, www.prudential.com, 800-778-2255] | Home Office Address: [213 Washington Street, Newark, New Jersey 07102, www.prudential.com, 800-778-2255] | Home Office Address: [213 Washington Street, Newark, New Jersey 07102, www.prudential.com, 800-778-2255] |
| **Insured** [JOHN DOE] | [XX XXX XXX] | **Policy Number** |
| <br>**Agency** [R-NK 1] | [JUNE 30, 2025] | **Contract Date** |

---

Individual Flexible Premium Variable Universal Life Insurance Policy. Insurance payable only upon death. Cash values reflect premium payments, investment results, any interest credited to the fixed rate option, any persistency credit added, and charges. Non-participating.

We will promptly pay the beneficiary the death benefit described under the Death Benefit Provisions of this contract if we receive due proof that the Insured died. We make this promise subject to all the provisions of this contract.

The amount and duration of the death benefit may vary, depending on the death benefit option, the payment of premiums, the investment experience of the separate account(s), any interest credited to the fixed rate option, any persistency credit added, and the charges taken (See Death Benefit Provisions).

**The death benefit amount, the duration of the coverage and cash values that are based on the investment experience of the separate account(s) are not guaranteed and may decrease or increase in accordance with investment experience. There is no guaranteed minimum cash value.**

If there is ever a question about this contract, please see a Pruco Life Insurance Company of New Jersey representative or contact one of our offices.

Right to Cancel Contract

You may return this contract to us on or before the tenth day after delivery of the contract. All you have to do is take the contract or mail it to one of our offices or to the representative who sold it to you. It will be canceled, and we will return the greater of (1) the premiums you have paid, and (2) the contract fund plus any charges we have deducted.

Signed for Pruco Life Insurance Company of New Jersey, a New Jersey Corporation.

![amywoltmansignature.jpg](amywoltmansignature.jpg)![specimenimage.jpg](specimenimage.jpg)

[Secretary] [President]

PLEASE READ YOUR POLICY CAREFULLY; it is a legal contract between you and Pruco Life Insurance Company of New Jersey.

VULPR-2025A&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;NY

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**GUIDE TO CONTENTS**

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| | |
|:---|:---|
| | Page |
| **Contract Data……………………………………………………………………………………………………….** | 3 |
| Insured's Information; Rating Class; Basic Contract Information; Insurance Department Contact Information; Notice; Type of Death Benefit; Life Insurance on the Insured; Other Benefits on the Insured (if applicable); Minimum Initial Premium; Planned Premium; Contract Limitations; Adjustments to Premium Payments; Adjustments to the Contract Fund; Schedule of Surrender Charges; Variable Investment Options; Fixed Rate Option; Initial Account Selections |  |
| **Tables………………………………………………………………………………………………………….…….** | 4 |
| Table of Limited No-Lapse Guarantee Values; Table of Maximum Monthly Insurance Rates Per<br>$1,000 of Net Amount at Risk; Table of Attained Age Factors |  |
| **Definitions…………………………………………………………………………………………………….…….** | 5 |
| **The Contract………………………………………………………………………………………………………..** | 5 |
| Entire Contract; Contract Modifications; Incontestability |  |
| **Ownership…………………………………………………………………………………………………….…….** | 6 |
| **Death Benefit Provisions…………………………………………………………………………………..…….** | 6 |
| Death Benefit; Additional Death Benefits; Method of Payment; Suicide Exclusion; Interest on Death Benefit; Payment of Death Claim |  |
| **Decrease In Basic Insurance Amount.………………………………………………………………………...** | 7 |
| Surrender Charge on Decreases |  |
| **Cost of Insurance………………………………………………………………………………………………….** | 8 |
| **Changing The Type of Death Benefit…………………………………………………………………………..** | 8 |
| Type A to B, Type B to A |  |
| **Beneficiary………………………………………………………………………………………………………….** | 9 |
| **Premium Payment…………………………………………………………………………………………………** | 9 |
| Payment of Premiums; Planned Premium; Net Premium Amount; Crediting the Initial Premium Payment; Allocations |  |
| **Contract Fund………………………………………………………………………………………………………** | 10 |
| Cash Value; Net Cash Value; Net Amount at Risk; Valuation of Variable Investment Options |  |
| **Default……………………………………………………………………………………………………………….** | 11 |
| Excess Contract Debt Default; Cash Value Default; Notice of Default and Grace Period |  |
| **Limited No-Lapse Guarantee……………………………………………………………………………………** | 12 |
| **Persistency Credit…………………………………………………………………………………………………** | 12 |
| **Reinstatement……………………………………………………………………………………………………...** | 12 |
| **Separate Account………………………………………………………………………………………………….** | 13 |
| Separate Account; Variable Investment Options; Separate Account Investments; Change in Investment Policy |  |

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VULPR-2025A&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NY

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**Fixed Rate Option..……………………………………………………………………………………………..**<sub>13</sub>

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| | |
|:---|:---|
| **Transfers…………………………………………………………………………….………………………………** | 14 |
| Dollar Cost Averaging |  |
| **Surrender …………………………………………………………………………………………………………..** | 14 |
| Fixed Reduced Paid-Up Insurance |  |
| **Withdrawals………………………………………………………………………………………………………...** | 15 |
| Effect on Contract Fund; Effect on Basic Insurance Amount |  |
| **Loans…………………………………………………………………………………………………….…………..** | 15 |
| Loan Value; Contract Debt; Loan Requirements; Interest Charge; Preferred Loans; Effect on Contract Fund |  |
| **General Provisions………………………………………………………………………………………………..** | 17 |
| Annual Report; Currency; Misstatement of Age or Sex; Assignment; Change in Plan; Elements Subject to Change; Non-Participating; Applicable Tax Law; Age 121 |  |
| **Basis of Computation…………………………………………………………………………………………….** | 18 |
| Mortality Basis and Interest Rate; Minimum Legal Values |  |
| **Settlement Options………………………………………………………………………………………………..** | 19 |
| **Settlement Options Tables………………………………………………………………………………………** | 20 |

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A copy of the application and any riders or endorsements can be found at the end of the contract.

VULPR-2025A&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 2A&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NY

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VULPR-2025A&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 2B&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NY

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PROCESSING DATE: [XXX XX, XXXX]

**CONTRACT DATA**

**Insured's Information**

[JOHN DOE] [Male], Issue Age [35]

**Rating Class**

[Nonsmoker]

**Basic Contract Information**

Policy Number &nbsp;&nbsp;&nbsp;&nbsp;[xx xxx xxx]

Contract Date &nbsp;&nbsp;&nbsp;&nbsp;[June 30, 2025]

Premium Period &nbsp;&nbsp;&nbsp;&nbsp;During the life of the Insured up to attained age 121

Beneficiary &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[MARY DOE, wife]

Loan Interest Rate (years [1-10]) &nbsp;&nbsp;&nbsp;&nbsp;[2.00%]

Preferred Loan Interest Rate (years [11] and later) &nbsp;&nbsp;&nbsp;&nbsp;[1.05%]

**Insurance Department Contact Information**

New York Department of Financial Services

[Telephone Number: XXX-XXX-XXXX]

**Notice**

**Any excess interest is not guaranteed and we have the right to change the amount of interest credited to the policy and the amount of cost of insurance and other expense charges deducted under the policy. This may require more premium to be paid than was illustrated or the cash values may be less than those illustrated. This policy may not mature even if planned premiums are paid due to changes in the investment performance of the variable investment options, any excess interest, changes in the current expense and cost of insurance charges, changes in the type of death benefit, requested changes in the basic insurance amount, or because loans or withdrawals are taken.**

**Type of Death Benefit** (see Death Benefit Provisions)

[Type A]

CONTRACT DATA CONTINUED ON NEXT PAGE

VULPR-CD-2025&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**CONTRACT DATA CONTINUED**

**Life Insurance on the Insured**

Basic Insurance Amount &nbsp;&nbsp;&nbsp;&nbsp;[$250,000.00]

**[Other Benefit(s) on the Insured** (see appropriate form for details)]

[Rider [VL 100 B-2017] - Payment of Net Premium Amount Benefit Upon Insured's Total Disability.]

[Rider [VL 110 B-2000-NY] - Rider For Insured's Accidental Death Benefit.

Amount [$25,000.00] ]

[Rider [VL 145 B6-2020] - Rider to Provide Acceleration of Death Benefit.]

[Rider [RID-NLG-2025] - Rider to Provide Lapse Protection.]

[Rider [PLY 141-2017] – Rider For Excess Loan Protection. ]

[Rider [ORD 87241-91-P NY] - Settlement Options to Provide Acceleration of Death Benefits.]

**[Insurance on All Other Insureds** (see appropriate form for details)]

[Rider [VL 182 B-2016] on the life of each dependent child - Level Term Insurance Benefit on Dependent Children.

Amount [$25,000.00] ]

[Rider [VL 184 B-2016] on the life of each dependent child - Level Term Insurance Benefit on Dependent Children.

Amount [$25,000.00] ]

**Minimum Initial Premium**

The minimum initial premium due on the Contract Date is [$177.29].

**Planned Premium**

[The planned premium due on the Contract Date and at intervals of [12] month[s] thereafter is [$500.00].]

CONTRACT DATA CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 3A [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**CONTRACT DATA CONTINUED**

**Contract Limitations**

The minimum premium we will accept is $25.00.

The minimum Basic Insurance Amount is [$250,000.00].

The minimum decrease in Basic Insurance Amount is [$5,000.00].

The minimum amount you may withdraw is $500.00.

The maximum additional illustrative report charge is [$25].

**Adjustments to Premium Payments**

From each premium paid we will:

<u>subtract</u> a premium charge at a rate of up to [13.50%] of the premium in each contract year that is not in excess of the Sales Load Target Premium and at a rate of up to [37.50%] of the premium in each contract year that is in excess of the Sales Load Target Premium paid in that contract year.

---

| | |
|:---|:---|
| Contract Year(s) | &nbsp;&nbsp;&nbsp;&nbsp;Sales Load Target Premium |
| [1-30] | [$2,598.99] |
| [31-40] | [$2,442.25] |
| [41-65] | [$2,311.00] |
| [66] and later | [$2,290.00] |

---

The remainder of the premium is the net premium amount.

CONTRACT DATA CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 3B [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**CONTRACT DATA CONTINUED**

**Adjustments to the Contract Fund**

On the Contract Date the contract fund is equal to the net premium amount credited on that date, <u>minus</u> any of the charges described below which may be due on that date.

On each day after the contract date, we will adjust the contract fund by:

<u>adding</u> any net premium amounts.

<u>adding</u> any increase due to investment results of the variable investment options.

<u>adding</u> guaranteed interest at an effective annual rate of 1.00% (0.00272616% a day) on that portion of the contract fund that is in the Fixed Rate Option (see Fixed Rate Option).

<u>adding</u> any excess interest at an effective annual rate that Pruco Life declares on that portion of the contract fund that is in the Fixed Rate Option.

<u>adding</u> guaranteed interest to the portion of the contract fund that has been loaned at an effective annual rate of 1.00% (0.00272616% a day).

<u>subtracting</u> any decrease due to investment results of the variable investment options.

<u>subtracting</u> a charge against the variable investment options at an effective annual rate of not more than 0.45% (0. 00123012% a day) for mortality and expense risks we assume.

<u>subtracting</u> any withdrawals.

<u>subtracting</u> an administrative charge of up to $25.00 for any withdrawals.

<u>subtracting</u> an administrative charge of up to $25.00 for any decrease in basic insurance amount.

<u>subtracting</u> an administrative charge of up to $25.00 for each transfer between variable investment options exceeding twelve in any contract year.

<u>subtracting</u> any surrender charge that may result from a surrender or reduction in the basic insurance amount.

And on each monthly date, we will adjust the contract fund by:

<u>adding</u> a persistency credit. A persistency credit at an effective annual rate of [0.10%] will be credited to policies in force at least [14] years and not in default (see Persistency Credit).

CONTRACT DATA CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 3C [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**CONTRACT DATA CONTINUED**

<u>subtracting</u> a monthly charge for administrative expenses of up to: [$0. 06] per $1,000 of the basic insurance amount plus $9.00.

<u>subtracting</u> a monthly charge for the cost of insurance (see Cost of Insurance).

[subtracting a monthly charge for Rider to Provide Lapse Protection (Rider [RID-NLG-2025]) payable until [June 30, 2081].]

[<u>subtracting</u> a monthly charge for the Payment of Net Premium Amount Benefit Upon Insured's Total Disability (Rider [VL 100 B-2017] of [7.519%] of the current total disability benefit as described in the Total Disability Benefit provision of the rider. This charge is waived during periods of total disability. This charge will end on the anniversary date after the Insured attains age 65 or when the benefit ends for any other reason as described in the rider.]

[<u>subtracting</u> a maximum monthly charge for Insured's Accidental Death Benefit (Rider [VL 110 B-2000-NY]) of [$1.66]. This charge will end on the anniversary date after the Insured's 100th birthday or when the benefit ends for any other reason as described in the rider.]

[<u>subtracting</u> a monthly charge as described in the Rider to Provide Acceleration of Death Benefit (Rider [VL 145 B6-2020]). This charge will be waived from the time benefit payments begin.]

[<u>subtracting</u> a maximum monthly charge for Level Term Insurance Benefit on Dependent Children (Rider [VL 182 B-2016]) of [$10.36] payable until [June 30, 2065]. ]

[<u>subtracting</u> a maximum monthly charge for Level Term Insurance Benefit on Dependent Children (Rider [VL 184 B-2016]) of [$10.36] payable until [June 30, 2065]. ]

[<u>subtracting</u> a single charge for Rider for Excess Loan Protection (Rider [PLY 141-2017]) when the rider is exercised of no more than [3.50%] of the contract fund. Your request to exercise the rider must be dated on or after the later of (a) the fifteenth contract anniversary and (b) the contract anniversary on or after the Insured's 75th birthday. The contract debt must be equal to or greater than 95% of the cash value. Please see the rider for additional details.]

[<u>subtracting</u> a charge for extra risk of $[400.00]

[changing on [June 1, 2026] to $[200.00]]

[changing on [June 1, 2030] to $[100.00]] until [June 1, 2033]]

CONTRACT DATA CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 3D [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**CONTRACT DATA CONTINUED**

**Schedule of Surrender Charges**

For a full surrender of the contract, the charge we will deduct from the contract fund is shown below.

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**For a Surrender Occurring** **During Contract Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**The Surrender Charge is:** |
| &nbsp;&nbsp;[1] | &nbsp;&nbsp;&nbsp;[$3,037.50] |
| &nbsp;&nbsp;[2] | &nbsp;&nbsp;&nbsp;[$2,805.00] |
| &nbsp;&nbsp;[3] | &nbsp;&nbsp;&nbsp;[$2,617.50] |
| &nbsp;&nbsp;[4] | &nbsp;&nbsp;&nbsp;[$2,430.00] |
| &nbsp;&nbsp;[5] | &nbsp;&nbsp;&nbsp;[$2,240.00] |
| &nbsp;&nbsp;[6] | &nbsp;&nbsp;&nbsp;[$1,925.00] |
| &nbsp;&nbsp;[7] | &nbsp;&nbsp;&nbsp;[$1,527.50] |
| &nbsp;&nbsp;[8] | &nbsp;&nbsp;&nbsp;[$1,507.50] |
| &nbsp;&nbsp;[9] | &nbsp;&nbsp;&nbsp;[$1,422.50] |
| [10] | &nbsp;&nbsp;&nbsp;[$1,192.50] |
| [11] | &nbsp;&nbsp;&nbsp;[$647.50] |
| [12] | [$460.00] |
| [13] | &nbsp;&nbsp;&nbsp; [$437.50] |
| [14] | &nbsp;&nbsp;&nbsp;[$312.50] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[15] and later | &nbsp;&nbsp;&nbsp;[$0.00] |

---

We may also deduct a surrender charge when you decrease the basic insurance amount or change the type of death benefit. (See Decrease in Basic Insurance Amount and Changing the Type of Death Benefit.)

**[Rider To Provide Acceleration Of Death Benefit Information** (see Rider [VL 145 B6-2020] for details)

---

| | |
|:---|:---|
| [Initial Lifetime Benefit Amount:] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[$250,000.00] |
| [Monthly Benefit Percent:] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2%] |
| [Initial Daily Benefit Limit:] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[$420.00] |
| [Daily Benefit Limit Compound Rate:] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[4%] |
| [Initial Benefit Size Discount Factor:] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.000000] ] |

---

CONTRACT DATA CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 3E [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**CONTRACT DATA CONTINUED**

**Variable Investment Options**

**The Pruco Life of New Jersey Variable Appreciable Account**

This account is registered with the SEC under the Investment Company Act of 1940. Each investment option of this account invests in a specific portfolio of The Prudential Series Fund and such other funds as we may specify from time to time. The Prudential Series Fund and other funds identified below are registered with the SEC under the Investment Company Act of 1940 as open-end diversified management investment companies. Shares in all funds are currently offered continuously, without surcharges, at prices equal to the net asset value of the portfolios. Redemptions are at prices equal to the net asset value of the portfolios. The net asset value is determined once daily on each day the New York Stock Exchange is open for business.

Shares of the Pruco Life of New Jersey Variable Appreciable Account are purchased when:

&nbsp;&nbsp;&nbsp;&nbsp;1. You pay a premium (see Premium Payment) or a charge to reinstate the contract (see Reinstatement);

&nbsp;&nbsp;&nbsp;&nbsp;2. You transfer an amount into a subaccount (see Transfers); and

&nbsp;&nbsp;&nbsp;&nbsp;3. You repay a loan (see Loans).

Shares of the Pruco Life of New Jersey Variable Appreciable Account are sold when:

&nbsp;&nbsp;&nbsp;&nbsp;1. You make a new loan or increase an existing loan (see Loans);

&nbsp;&nbsp;&nbsp;&nbsp;2. You make a withdrawal (see Withdrawals);

&nbsp;&nbsp;&nbsp;&nbsp;3. You transfer an amount out of a subaccount (see Transfers);

&nbsp;&nbsp;&nbsp;&nbsp;4. You surrender the contract for its net cash value (see Surrender);

&nbsp;&nbsp;&nbsp;&nbsp;5. We subtract charges from the contract fund (see Contract Fund and Adjustments to the Contract Fund); and

&nbsp;&nbsp;&nbsp;&nbsp;6. We make a partial surrender charge associated with a decrease in the basic insurance amount (see Change In Basic Insurance Amount and Changing The Type of Death Benefit).

The contract fund value changes daily, reflecting increases or decreases in the value of the variable portfolio(s) in which the assets of this account are invested. See Adjustments to the Contract Fund for all factors that impact the Contract Fund value.

**[The Prudential Series Fund]**

[PSF PGIM S&P 500 ETF 12% Buffer]

[PSF PGIM S&P 500 ETF 20% Buffer]

[PSF PGIM Flexible Managed Portfolio]

[PSF Global Portfolio]

[PSF PGIM Government Money Market Portfolio]

[PSF PGIM 50/50 Balanced]

[PSF PGIM High Yield Bond Portfolio]

[PSF PGIM Jennison Blend Portfolio]

[PSF PGIM US Ballast Portfolio]

[PSF PGM Jennison Growth Portfolio]

[PSF PGIM Jennison Value]

[PSF Small Cap Stock]

[PSF Stock Index Portfolio]

[PSF PGIM Total Return Bond Portfolio]

CONTRACT DATA CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 3F [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**CONTRACT DATA CONTINUED**

**[Advanced Series Trust]**

[AST Core Fixed Income]

[AST International Equity]

[AST Large Cap Equity]

[AST Large Cap Growth]

[AST Large-Cap Value]

[AST Small-Cap Equity]

**[American Funds Insurance Series]**

[American Funds IS Growth]

[American Funds IS International Fund]

[American Funds IS Washington Mutual]

**[Fidelity Variable Insurance Products Funds]**

[Fidelity(R) VIP Bond Index]

[Fidelity(R) VIP Contrafund Portfolio]

[Fidelity(R) VIP Disciplined Small Cap]

[Fidelity (R) VIP Freedom 2040 SC2]

[Fidelity(R) VIP Freedom 2055 SC2]

[Fidelity(R) VIP Freedom 2065 SC2]

[Fidelity(R) VIP International Index]

[Fidelity(R) VIP Energy Service 2]

[Fidelity(R) VIP Mid Cap Portfolio]

**[Franklin Templeton Variable Insurance Products Trust]**

[Clearbridge Variable Mid Cap]

[Franklin Global Real Estate VIP 2]

[Franklin Income VIP 2]

[Franklin Rising Dividends VIP Fund]

[Franklin Small Cap Value VIP 2]

[Franklin U.S. Government Securities Fund]

[Putnam VT International Value IB]

[Putnam VT Large Cap Value IB]

[Putnam VT Sustainable Future]

[Putnam VT Sustainable Leaders IB]

[Templeton Global Bond VIP]

**[MFS Variable Insurance Trust]**

[MFS(R) Emerging Markets Equity]

[MFS(R) Inflation Adjusted Bond]

[MFS(R) Investor Trust Series]

[MFS(R) MidCap Value]

[MFS(R) New Discovery Series]

CONTRACT DATA CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 3G [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**CONTRACT DATA CONTINUED**

[MFS(R) Total Return Bond Series]

[MFS(R) Value Series]

[MFS(R) Utilities Series IC]

[MFS(R) Growth Svc]

[MFS(R) Total Return Series]

[MFS(R) Technology]

**[T. Rowe Price]**

[T Rowe Price Equity Income II]

[T Rowe Price Health Sciences Port II]

[T Rowe Price Limited-Term Bond]

[T Rowe Price MidCap Growth Port II]

[T Rowe Price All Cap Opportunities]

[T Rowe Price International Stock]

[T Rowe Price Moderate Allocation]

**[ValMark Advisers, Inc]**

[TOPS Aggressive Growth ETF]

[TOPS Balanced ETF]

[TOPS Conservative ETF]

[TOPS Growth ETF]

[TOPS Moderate Growth ETF]

CONTRACT DATA CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 3H [CVPR32 314] NY

------

PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**CONTRACT DATA CONTINUED**

**Fixed Rate Option**

The Fixed Rate Option is funded by the general account of the Company. It is described in the Fixed Rate Option provision of this contract.

**Initial Account Selections** 

**Payment Allocation Instructions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;[Fixed Rate Option:] | [50%] |
| &nbsp;&nbsp;[PSF Global Portfolio:] | [25%] |
| &nbsp;&nbsp;[PSF Small Cap Stock:] | [25%] |

---

END OF CONTRACT DATA

VULPR-CD-2025 Page 3I [CVPR32 314] NY

------

PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**TABLE(S)**

**Table of Limited No-Lapse Guarantee Values**

The amounts below are not cash amounts that you can realize by surrendering the contract, nor are they death benefits payable. They are amounts used solely to determine whether the contract is protected against default on a monthly date as described under Limited No-Lapse Guarantee.

These values are used to determine the limited no-lapse guarantee as described under Limited No-Lapse Guarantee. Whether or not you have the protection described in the Limited No-Lapse Guarantee provision depends upon your accumulated premium payments minus your accumulated withdrawals. The amount needed to maintain a Limited No-Lapse Guarantee increases monthly. The values on contract anniversaries are shown below. On a date that falls between two anniversaries, the value will fall between the values for those anniversaries considering the time that has passed since the last anniversary. At any time, you may ask us for the amount required to maintain the Limited No-Lapse Guarantee.

The Limited No-Lapse Guarantee period is the first [5] contract years.

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract** **Anniversary** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Limited No-Lapse** **Guarantee Value** |
| &nbsp;&nbsp;&nbsp;&nbsp;Contract Date | [$0.00] |
| &nbsp;&nbsp;&nbsp;&nbsp;[1st] | [$2,061.49] |
| &nbsp;&nbsp;&nbsp;&nbsp;[2nd] | [$4,122.98] |
| &nbsp;&nbsp;&nbsp;&nbsp;[3rd] | [$6,184.47] |
| &nbsp;&nbsp;&nbsp;&nbsp;[4th] | [$8,245.96] |
| &nbsp;&nbsp;&nbsp;&nbsp;[5th] | [$10,307.45] |

---

NOTE: At the end of the Limited No-Lapse Guarantee period, a premium payment may be required to prevent the contract from entering default. Please contact us for additional information.

TABLE(S) CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 4 [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**TABLE(S) CONTINUED**

**Table of Maximum Monthly Insurance Rates per $1,000 of Net Amount at Risk**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract** **Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum Monthly Rate** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract** **Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum Monthly Rate** |
| [1] | [0.07666] | [34] | [0.94083] |
| [2] | [0.08833] | [35] | [1.04416] |
| [3] | [0.10000] | [36] | [1.16666] |
| [4] | [0.10916] | [37] | [1.31166] |
| [5] | [0.11583] | [38] | [1.48250] |
| [6] | [0.12166] | [39] | [1.67916] |
| [7] | [0.12916] | [40] | [1.90166] |
| [8] | [0.13750] | [41] | [2.14666] |
| [9] | [0.14583] | [42] | [2.41583] |
| [10] | [0.15083] | [43] | [2.71333] |
| [11] | [0.15583] | [44] | [3.04750] |
| [12] | [0.16166] | [45] | [3.43083] |
| [13] | [0.16750] | [46] | [3.87583] |
| [14] | [0.17500] | [47] | [4.38416] |
| [15] | [0.18333] | [48] | [4.96583] |
| [16] | [0.19416] | [49] | [5.64000] |
| [17] | [0.21000] | [50] | [6.42333] |
| [18] | [0.23000] | [51] | [7.33083] |
| [19] | [0.25083] | [52] | [8.37666] |
| [20] | [0.27250] | [53] | [9.56833] |
| [21] | [0.29333] | [54] | [10.88750] |
| [22] | [0.31250] | [55] | [12.30583] |
| [23] | [0.33250] | [56] | [13.79083] |
| [24] | [0.35416] | [57] | [15.29666] |
| [25] | [0.38083] | [58] | [16.79500] |
| [26] | [0.41416] | [59] | [18.24416] |
| [27] | [0.45833] | [60] | [19.57583] |
| [28] | [0.50916] | [61] | [20.96666] |
| [29] | [0.56750] | [62] | [22.58583] |
| [30] | [0.63083] | [63] | [24.32416] |
| [31] | [0.69916] | [64] | [26.18833] |
| [32] | [0.77166] | [65] | [28.14000] |
| [33] | [0.85166] | [66] | [30.07416] |

---

TABLE(S) CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 4A [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**TABLE(S) CONTINUED**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract** **Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum Monthly Rate** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract** **Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum Monthly Rate** |
| [67] | [31.92166] | [77] | [52.58000] |
| [68] | [33.75166] | [78] | [55.37750] |
| [69] | [35.53083] | [79] | [58.31750] |
| [70] | [37.22750] | [80] | [61.40583] |
| [71] | [38.80833] | [81] | [64.64833] |
| [72] | [40.52583] | [82] | [68.05000] |
| [73] | [42.69833] | [83] | [71.61666] |
| [74] | [44.98416] | [84] | [75.35083] |
| [75] | [47.38916] | [85] | [79.25666] |
| [76] | [49.91916] | [86] | [83.33333] |

---

We may charge less than the maximum monthly rates. From time to time, we may change the rates we charge. We describe a number of the elements we use to determine such changes under General Provisions.

These values are determined as described in the Basis of Computation provision, using the Mortality Table and Interest Rate shown here:

Mortality Table: [Commissioners 2017 Standard Ordinary Sex Distinct Smoker and Nonsmoker Ultimate ALB Mortality Table]

[The mortality tables used to derive the Maximum Monthly Insurance Rates reflect the following increases in risk:]

[[Insured] [125%] through attained age [101.]]

Effective Interest Rate: 1.00%

Maximum non-forfeiture interest rate: 4.00%

TABLE(S) CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 4B [CVPR32 314] NY

------

PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**TABLE(S) CONTINUED**

**[Table of Maximum Monthly Insurance Rates per $1,000 of Net Amount at Risk for Rider to Provide Lapse Protection]**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**[Contract**<br>**Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum**<br>**Monthly Rate** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract**<br>**Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum**<br>**Monthly Rate** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.01150] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[34] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.42337] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.01325] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[35] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.46987] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[3] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.01500] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[36] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.52500] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[4] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.01637] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[37] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.59025] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[5] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.01737] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[38] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.66713] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[6] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.01825] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[39] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.75562] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[7] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.01937] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[40] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.85575] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[8] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.02063] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[41] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.96600] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[9] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.02187] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[42] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.08712] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[10] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.02262] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[43] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.22100] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[11] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.02337] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[44] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.37138] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[12] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.02425] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[45] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.54387] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[13] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.02513] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[46] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.74412] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[14] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.02625] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[47] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.97287] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[15] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.02750] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[48] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.23462] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[16] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.02912] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[49] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.53800] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[17] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.03150] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[50] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.89050] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[18] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.03450] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[51] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[3.29887] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[19] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.03762] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[52] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[3.76950] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[20] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.04088] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[53] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[4.30575] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[21] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.04400] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[54] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[4.89938] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[22] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.04688] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[55] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[5.53762] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[23] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.04988] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[56] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[6.20587] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[24] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.05312] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[57] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[25] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.05712] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[58] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[26] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.06212] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[59] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[27] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.06875] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[60] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[28] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.07637] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[61] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[29] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.08513] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[62] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[30] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.09462] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[63] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[31] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.31462] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[64] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[32] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.34725] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[65] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[33] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.38325] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[66] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000]] |

---

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VULPR-CD-2025 Page 4C [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**TABLE(S) CONTINUED**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**[Contract**<br>**Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum**<br>**Monthly Rate** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract**<br>**Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum**<br>**Monthly Rate** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[67] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[77] | [0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[68] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[78] | [0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[69] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[79] | [0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[70] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[80] | [0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[71] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[81] | [0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[72] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[82] | [0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[73] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[83] | [0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[74] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[84] | [0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[75] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[85] | [0.00000] |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[76] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.00000] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[86] | [0.00000] |

---

[We may charge less than the maximum monthly rates. From time to time, we may change the rates we charge. We describe a number of the elements we use to determine such changes under General Provisions.]

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VULPR-CD-2025 Page 4D [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**TABLE(S) CONTINUED**

**[Table of Maximum Monthly Insurance Rates per $1,000 of Net Amount at Risk for Rider to Provide Acceleration of Death Benefit]**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**[Contract Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum Monthly Rate** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum Monthly Rate** |
| [1] | [0.00641] | [34] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.28162] |
| [2] | [0.00804] | [35] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.30952] |
| [3] | [0.01052] | [36] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.33375] |
| [4] | [0.01233] | [37] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.35864] |
| [5] | [0.01389] | [38] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.38486] |
| [6] | [0.01535] | [39] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.41249] |
| [7] | [0.01682] | [40] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.44215] |
| [8] | [0.01842] | [41] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.48326] |
| [9] | [0.02019] | [42] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.53366] |
| [10] | [0.02200] | [43] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.58947] |
| [11] | [0.02458] | [44] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.65094] |
| [12] | [0.02750] | [45] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.71766] |
| [13] | [0.03068] | [46] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.79991] |
| [14] | [0.03423] | [47] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.89353] |
| [15] | [0.03792] | [48] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[0.99053] |
| [16] | [0.04241] | [49] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.08751] |
| [17] | [0.04683] | [50] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.18449] |
| [18] | [0.05168] | [51] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.32560] |
| [19] | [0.05712] | [52] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.44237] |
| [20] | [0.06290] | [53] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.56793] |
| [21] | [0.06922] | [54] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.70134] |
| [22] | [0.07630] | [55] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[1.85750] |
| [23] | [0.08411] | [56] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.00220] |
| [24] | [0.09313] | [57] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.15133] |
| [25] | [0.10304] | [58] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.30489] |
| [26] | [0.11419] | [59] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.46289] |
| [27] | [0.12688] | [60] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.62534] |
| [28] | [0.14071] | [61] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.79225] |
| [29] | [0.15560] | [62] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.96354] |
| [30] | [0.23544] | [63] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[3.13929] |
| [31] | [0.21812] | [64] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[3.07650] |
| [32] | [0.23735] | [65] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[3.01498] |
| [33] | [0.25858] | [66] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[2.95468]] |

---

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VULPR-CD-2025 Page 4E [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**TABLE(S) CONTINUED**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**[Contract Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum Monthly Rate** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract Year** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Maximum Monthly Rate** |
| [67] | [2.89558] | [77] | &nbsp;&nbsp;[2.36590] |
| [68] | [2.83767] | [78] | &nbsp;&nbsp;[2.31858] |
| [69] | [2.78091] | [79] | &nbsp;&nbsp;[2.27222] |
| [70] | [2.72530] | [80] | &nbsp;&nbsp;[2.22676] |
| [71] | [2.67080] | [81] | &nbsp;&nbsp;[2.18223] |
| [72] | [2.61738] | [82] | &nbsp;&nbsp;[2.13859] |
| [73] | [2.56502] | [83] | &nbsp;&nbsp;[2.09582] |
| [74] | [2.51374] | [84] | &nbsp;&nbsp;[2.05391] |
| [75] | [2.46346] | [85] | &nbsp;&nbsp;[2.01282] |
| [76] | [2.41419] | [86] | &nbsp;&nbsp;[1.97257]] |

---

[We may charge less than the maximum monthly rates. From time to time, we may change the rates we charge. We describe a number of the elements we use to determine such changes under General Provisions.]

TABLE(S) CONTINUED ON NEXT PAGE

VULPR-CD-2025 Page 4F [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**TABLE(S) CONTINUED**

**Table of Attained Age Factors**

These factors are used to determine your death benefit as described under Death Benefit Provisions.

These factors apply during each contract year.

---

| | | | |
|:---|:---|:---|:---|
| **Contract Year** | **Factors** | **Contract Year** | **Factors** |
| [1] | [2.48] | [31] | [1.47] |
| [2] | [2.44] | [32] | [1.44] |
| [3] | [2.39] | [33] | [1.42] |
| [4] | [2.35] | [34] | [1.40] |
| [5] | [2.31] | [35] | [1.38] |
| [6] | [2.27] | [36] | [1.36] |
| [7] | [2.23] | [37] | [1.34] |
| [8] | [2.19] | [38] | [1.32] |
| [9] | [2.15] | [39] | [1.30] |
| [10] | [2.11] | [40] | [1.28] |
| [11] | [2.07] | [41] | [1.26] |
| [12] | [2.04] | [42] | [1.25] |
| [13] | [2.00] | [43] | [1.23] |
| [14] | [1.96] | [44] | [1.22] |
| [15] | [1.93] | [45] | [1.20] |
| [16] | [1.90] | [46] | [1.19] |
| [17] | [1.86] | [47] | [1.17] |
| [18] | [1.83] | [48] | [1.16] |
| [19] | [1.80] | [49] | [1.15] |
| [20] | [1.77] | [50] | [1.14] |
| [21] | [1.74] | [51] | [1.13] |
| [22] | [1.71] | [52] | [1.12] |
| [23] | [1.68] | [53] | [1.11] |
| [24] | [1.65] | [54] | [1.10] |
| [25] | [1.62] | [55] | [1.09] |
| [26] | [1.59] | [56] | [1.08] |
| [27] | [1.57] | [57] | [1.08] |
| [28] | [1.54] | [58] | [1.07] |
| [29] | [1.52] | [59] | [1.07] |
| [30] | [1.49] | [60] | [1.06] |

---

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VULPR-CD-2025 Page 4G [CVPR32 314] NY

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PROCESSING DATE: [XXX XX, XXXX]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;POLICY NUMBER: [XXX XX XXX]

**TABLE(S) CONTINUED**

---

| | | | |
|:---|:---|:---|:---|
| **Contract Year** | **Factors** | **Contract Year** | **Factors** |
| [61] | [1.05] | [75] | [1.01] |
| [62] | [1.05] | [76] | [1.01] |
| [63] | [1.04] | [77] | [1.01] |
| [64] | [1.03] | [78] | [1.01] |
| [65] | [1.01] | [79] | [1.01] |
| [66] | [1.01] | [80] | [1.01] |
| [67] | [1.01] | [81] | [1.01] |
| [68] | [1.01] | [82] | [1.01] |
| [69] | [1.01] | [83] | [1.01] |
| [70] | [1.01] | [84] | [1.01] |
| [71] | [1.01] | [85] | [1.01] |
| [72] | [1.01] | [86] | [1.01] |
| [73] | [1.01] | [87] | [1.00] |
| [74] | [1.01] |  |  |

---

END OF TABLE(S)

VULPR-CD-2025 Page 4H [CVPR32 314] NY

------

**DEFINITIONS**

**We, our, us, the Company** and **Pruco Life. -** Pruco Life Insurance Company of New Jersey.

**You** and **Your. -** The owner(s) of the contract.

**Insured. -** The person named as the Insured on the first page. The Insured need not be the owner.

**SEC. -** The Securities and Exchange Commission.

**Anniversary** or **Contract Anniversary. -** The same day and month as the contract date in each later year.

**Contract Year. -** A year that starts on the contract date or on an anniversary.

**Attained Age. -** The Insured's attained age at any time is the issue age plus the number of completed years since the contract date. You will find the Insured's issue age near the top of page 3.

**Monthly Date. -** The contract date and the same day as the contract date in each later month.

**Company Representative. -** Pruco Life licensed producers and brokers authorized to sell Pruco Life products.

**Proceeds. -** The amount we would pay if we were to settle the contract in one sum.

**THE CONTRACT**

**Entire Contract**

This policy, the attached application, including any application requesting a change, and any attached copy of a rider or endorsement, form the entire contract. We assume that all statements in an application are made to the best of the knowledge and belief of the person(s) who make them; all statements made by, or by the authority of, the applicant, are deemed to be representations and not warranties. We rely on those statements when we issue the contract and when we change it or reinstate it. We will not use any statement, unless made in an application, to try to void the contract, to contest a change, or to deny a claim.

**Contract Modifications**

Only a Pruco Life officer with the rank or title of vice president, or above, may agree to modify this contract, and then only in writing.

**Incontestability**

Except for non-payment of enough premium to prevent your policy from lapsing (see Default), we will not contest this contract after it has been in force during the Insured's lifetime for two years from the contract date. We will not contest this contract for statements made in an application for reinstatement after the policy has been in force and the Insured has been alive for two years from the date of reinstatement. Any contest will only be based on material misrepresentations made in the attached application.

VULPR-2025A&nbsp;&nbsp;&nbsp;&nbsp; Page 5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NY

------

**OWNERSHIP**

Unless a different owner is named in the application, the owner of the contract is the Insured. This ownership arrangement will remain in effect unless you ask us to change it.

While the Insured is living, the owner alone is entitled to any contract benefit and value, and to the exercise of any right and privilege granted by the contract or by us.

**DEATH BENEFIT PROVISIONS**

We will pay a benefit to the beneficiary at the Insured's death if this contract is in force at the time of that death; that is, if it has not been surrendered and it is not in default past the grace period.

If the contract is not in default, the amount we will pay will be the death benefit determined as of the date of the Insured's death reduced by any contract debt (described under Loans).

If the contract is in default, and the Insured's death occurs in the grace period (described under Default), we will pay the death benefit reduced by any contract debt and the amount needed to pay charges through the date of death.

Payments received after the Insured's date of death will be returned. Charges will not be deducted for any period after the Insured's date of death.

If the Insured's death occurs past the grace period, no death benefit is payable.

**Death Benefit**

This contract has a Type A or Type B death benefit. We show the type of death benefit that applies to this contract under Type of Death Benefit.

If this contract has a Type A death benefit, the death benefit on any date is equal to the greater of: (1) the basic insurance amount, and (2) the contract fund before deduction of any monthly charges due on that date, multiplied by the attained age factor that applies.

If this contract has a Type B death benefit, the death benefit on any date is equal to the greater of: (1) the basic insurance amount plus the contract fund before deduction of any monthly charges due on that date, and (2) the contract fund before deduction of any monthly charges due on that date, multiplied by the attained age factor that applies.

For the purpose of computing the death benefit, if the contract fund is less than zero, we will consider it to be zero. Your basic insurance amount and attained age factors are shown in the contract data pages.

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**Additional Death Benefits**

This contract may provide additional benefits, which may be payable on an Insured's death. If it does, they will be listed on a contract data page, and a form describing the benefit will be included in this contract. Any such benefit will be payable only if the contract has not been surrendered and is not in default past the grace period at the time of the death.

**Method of Payment**

You may choose to have any death benefit paid in a single sum or under one of the optional modes of settlement shown in the Settlement Options provision.

**Suicide Exclusion**

If the Insured dies by suicide within two years from the contract date this contract will end without any death benefit paid, and we will return the gross premiums paid, less any contract debt, and less any withdrawals.

**Interest on Death Benefit**

Any death benefit described above will be credited with interest that is calculated from the date of death. The amount will be the greater of: (1) interest calculated at the rate required by the state in which the policy was delivered, and (2) interest calculated at a rate declared by Pruco Life Insurance Company.

**Payment of Death Claim**

Payment will be made as expeditiously as possible. If we settle this contract in one sum as a death claim, we will usually pay the proceeds within seven days after we receive at our Home Office proof of the Insured's death and any other reasonable information we need to pay the claim. But we have the right to postpone paying the part of the proceeds that is to come from a variable investment option if: (1) the New York Stock Exchange is closed; or (2) the SEC requires that trading be restricted or declares an emergency.

**DECREASE IN BASIC INSURANCE AMOUNT**

You may decrease the basic insurance amount, subject to our approval and all these conditions and the paragraphs that follow:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.You must ask for the decrease in a form that meets our needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.The amount of the decrease must be at least equal to the minimum decrease in basic insurance amount shown under Contract Limitations in the contract data pages.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.The basic insurance amount after a decrease must be at least equal to the minimum basic insurance amount shown under Contract Limitations in the contract data pages.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.If we ask you to do so, you must send us the contract to be endorsed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.The contract must not be in default.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.You may not decrease the basic insurance amount if any surrender charge on the decrease exceeds the amount in your contract fund less the administrative charge (shown under Adjustments to the Contract Fund) for the decrease.

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We may decline the decrease if we determine it would cause the contract to fail to qualify as life insurance under the applicable tax law. A decrease will take effect only if we approve your request for it at our Home Office and will take effect on the date we approve it. If we approve the decrease, we will recompute the contract's charges and values in the appropriate tables. A decrease in the basic insurance amount may also affect the amount of any extra benefits this contract might have. We will send you new contract data pages showing the amount and effective date of the decrease and the recomputed charges and values. We may deduct the administrative charge (shown under Adjustments to the Contract Fund) for the decrease.

**Surrender Charge on Decreases**

We will reduce the basic insurance amount by the amount of the decrease. The surrender charge threshold is the lowest basic insurance amount since the contract was issued. If the basic insurance amount after the decrease is above the surrender charge threshold, we will not impose a surrender charge. To determine the surrender charge deducted from the contract fund when the new basic insurance amount is below the threshold, we multiply the surrender charge (see Schedule of Surrender Charges) by the difference between the threshold amount and the new basic insurance amount and divide by the threshold amount plus the amounts by which the basic insurance amount was reduced for any withdrawals.

**COST OF INSURANCE**

On each monthly date, we will deduct a charge for the cost of insurance from the contract fund. The charge is based upon the issue age, sex, smoker and nonsmoker status, and rating class of the Insured and the length of time since the contract date. To determine the maximum charge for the cost of insurance, we use the following method:

We determine the maximum cost of insurance rate for the basic insurance amount shown in the contract data pages using the maximum monthly rate shown under the Table of Maximum Monthly Insurance Rates. We then multiply the rate by the net amount at risk (see Contract Fund) divided by $1,000 to compute the maximum charge for the cost of insurance. For the purpose of computing the net amount at risk, if the contract fund is less than zero, we will consider it to be zero.

**CHANGING THE TYPE OF DEATH BENEFIT**

This contract has a Type A or Type B death benefit (see Death Benefit). Subject to our approval, you may change the type of death benefit. We will adjust the basic insurance amount so that the death benefit immediately after the change will remain the same as the death benefit immediately before the change.

If the change in the type of death benefit results in a reduction in the basic insurance amount, the basic insurance amount after the decrease must be at least equal to the minimum basic insurance amount, which we show under Contract Limitations in the contract data pages. We may deduct from the contract fund the administrative charge shown for decreases in the basic insurance amount under Adjustments to the Contract Fund. We may deduct from the contract fund a surrender charge for a reduction in the basic insurance amount as described in the Decrease in Basic Insurance Amount provision.

**Type A to B**

If you are changing from a Type A to a Type B death benefit, we will reduce the basic insurance amount by the contract fund on the date the change takes effect.

**Type B to A**

If you are changing from a Type B to a Type A death benefit, we will increase the basic insurance amount by the contract fund on the date the change takes effect.

A change in the type of death benefit will take effect only if we approve your request at our Home Office. If the change results in an increase in the net amount at risk, you may have to prove that the Insured is insurable for that increase. If there is no increase in the net amount at risk, we will not require such proof. If we approve the change, we will recompute the contract's charges, values and limitations shown in the contract data pages. The change will take effect on the monthly date that coincides with or next follows the date we approve your request. We will send you new contract data pages showing the amount and effective date of the change in basic insurance amount and the recomputed charges, values and limitations.

Your request for a change must be in a form that meets our needs. We may require you to send us this contract before we make the change.

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**BENEFICIARY**

When a beneficiary is designated, any relationship shown is to the Insured, unless otherwise stated. To show priority, we will use numbered classes, so that the class with first priority is called class 1, the class with next priority is called class 2, and so on. When we use numbered classes, these statements apply to beneficiaries unless the form states otherwise:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.One who survives the Insured will have the right to be paid only if no one in a prior class survives the Insured.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.One who has the right to be paid will be the only one paid if no one else in the same class survives the Insured.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.Two or more in the same class who have the right to be paid will be paid in equal shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.If none survives the Insured, we will pay in one sum to the Insured's estate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.If no beneficiary is designated, we will pay in one sum to the Insured's estate.

Before we make a payment, we have the right to decide what reasonable proof we need of the identity and age of any persons designated as beneficiaries and any other information that is reasonably necessary to process the claim. If beneficiaries are not designated by name and we make payment(s) based on that proof, we will not have to make the payment(s) again. If a beneficiary is irrevocable, such beneficiary cannot be changed without the written consent of that beneficiary.

**PREMIUM PAYMENT**

**Payment of Premiums**

The minimum initial premium shown in the contract data pages is due on or before the contract date. There is no insurance under this contract until that premium is paid. We may require an additional premium if adjustments to premium payments plus any contract fund charges due on or before the payment date exceed the minimum initial premium.

Subject to the limitations below, additional premiums may be paid at any time during the Insured's lifetime up to attained age 121 as long as the contract is not in default beyond the grace period. At the end of the Limited No- Lapse Guarantee period shown in the Table of Limited No-Lapse Guarantee Values, a premium payment may be required to prevent the contract from entering default. A premium may be paid at our Home Office or to any of our authorized representatives. We will give a signed receipt upon request. The minimum premium we will accept is shown on a contract data page. We have the right to refuse to accept a premium payment that would in our opinion cause this contract to fail to qualify as life insurance under applicable tax law.

We will refund the excess of any premium payment made over the maximum amount that could be paid without disqualifying the policy as life insurance under Section 7702 of the Internal Revenue Code. However, the premium shall not be refunded if it is necessary to continue insurance coverage. We also have the right to refuse to accept any payment that increases the death benefit by more than it increases the contract fund.

While a loan exists, we will treat the amounts you pay as premiums unless you submit to us a written request that they be treated as loan repayments.

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**Planned Premium**

We show the planned premium in the contract data pages. You asked us to bill you for this amount as of the contract date. Payment of the planned premium will not guarantee the contract will remain in force, nor will it guarantee the contract will mature.

**Net Premium Amount**

The net premium amount is the portion of each premium you pay that we add to the contract fund. It is equal to the premium paid minus the adjustments to premium payments shown on a contract data page.

**Crediting the Initial Premium Payment**

If we receive the first premium payment on or before the contract date, we will credit the net premium amount to the contract fund on the contract date. If we receive the first premium payment after the contract date, we will credit the net premium amount to the contract fund on the date we receive your payment.

**Allocations**

We will allocate 100% of any net premium into the Money Market Investment Option until the tenth day after you receive this contract. At the end of that day we will re-allocate the amount in the Money Market Investment Option in accordance with the Payment Allocation Instructions shown in the contract data pages or your most current Payment Allocation Instructions on file with us.

You may allocate all or a part of your net premium amount to one or more of the variable investment or the fixed rate option listed in the contract data pages. You may choose to allocate nothing to a particular variable investment or fixed rate option. You may not choose a fractional percentage.

The Payment Allocation Instructions are shown on a contract data page. You may change the allocation for future net premium amounts at any time if the contract is not in default. To change your allocation, simply notify us in a form that meets our needs. The change will take effect on the date we receive your notice; we will send you a confirmation of the transaction.

**CONTRACT FUND**

When you make your first premium payment, the net premium amount, less any charges due on or before that day (including charges that are needed because you have asked us for a contract date that precedes the payment date), becomes your contract fund. Amounts are added to and subtracted from the contract fund as shown under Adjustments to the Contract Fund in the contract data pages. Amounts subtracted from the contract fund may cause the contract fund to be less than zero. The contract fund is used to pay charges under this contract and will determine, in part, whether this contract will remain in force or go into default. The contract fund is also used to determine your loan and surrender values, the amount you may withdraw, and the death benefit.

**Cash Value**

The cash value at any time is the contract fund less any surrender charge. We show the surrender charge in the Schedule of Surrender Charges.

**Net Cash Value**

The net cash value at any time is the cash value less any contract debt. If the contract is in default, the net cash value is zero.

**Net Amount at Risk**

The net amount at risk is used to determine the cost of insurance as described under Adjustments to the Contract Fund. It is equal to the death benefit (see Death Benefit), discounted for one month of interest, minus the contract fund. For the purpose of computing the net amount at risk, if the contract fund is less than zero we will consider it to be zero.

The annual effective interest rate used to calculate the one month of interest discounting is shown in the contract data pages.

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**Valuation of Variable Investment Options**

Amounts allocated to a variable investment option are converted to a number of units. The number of units added to each variable investment option is determined by dividing the amount allocated to each variable investment option by the dollar value of one unit for such variable investment option.

Amounts taken from each variable investment option decrease the number of units in each variable investment option. The number of units subtracted from each variable investment option is determined by dividing the amount taken from the variable investment option by the dollar value of one unit for such variable investment option.

The unit value for each variable investment option will vary to reflect the investment experience of the applicable fund and will be determined on each valuation day by multiplying the unit value of the particular variable investment option on the preceding valuation day by a net investment factor for that variable investment option for the valuation period then ended. The valuation day is any date on which the New York Stock Exchange is open for trading and the variable investment option is valued. The valuation period is the period of time from the close of the immediately preceding valuation day to the close of the current valuation day.

The net investment factor for each of the variable investment options is equal to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.the net asset value per share of the corresponding fund at the end of the valuation period (plus the per share amount of any dividend or capital gain distributions paid by that fund in the valuation period then ended); divided by

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.the net asset value per share of the corresponding fund determined as of the end of the immediately preceding valuation period; minus

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.the daily portion of the mortality and expense risk charge shown in the contract data pages assessed during the valuation period. The net investment factor may be greater or less than one. Therefore, the value of a unit may increase or decrease.

If the New York Stock Exchange is closed (except for holidays or weekends) or trading is restricted due to an existing emergency as defined by the Securities and Exchange Commission so that we cannot value the variable investment options, we may postpone all transactions which require valuation of the variable investment option until valuation is possible.

**DEFAULT**

**Excess Contract Debt Default**

If your policy has an outstanding loan, and if contract debt ever grows to be equal to or more than the cash value, the contract will have excess contract debt and will be in default.

**Cash Value Default**

On each monthly date, we will determine the cash value. If the cash value is greater than zero and the contract has no excess contract debt, the contract will remain in force until the next monthly date. If the cash value is zero or less, the contract is in default, unless it remains in force under a No-Lapse Guarantee.

**Notice of Default and Grace Period**

If the contract is in default, we will mail you a notice stating the amount we will need to keep the contract in force. That amount will equal a premium which we estimate will keep the contract in force for three months from the date of default. The notice will be mailed no earlier than, and within 30 days after, the processing date we determine the contract was in default. We grant a 61-day grace period from the date we mail the initial notice to pay this amount. The contract will remain in force during this period. If that amount is not paid to us or postmarked by the end of the 61-day grace period, the contract will end and have no value. At least 30 days prior to termination of coverage, we will send another notice to your last known address reiterating the amount you must pay to bring the policy out of default. We will also send a notice to any assignee of record at least 30 days prior to termination of coverage.

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**LIMITED NO-LAPSE GUARANTEE**

On each monthly date during the Limited No-Lapse Guarantee period shown under the Table of Limited No- Lapse Guarantee Values, and while the contract is in force, we will:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.Accumulate premium payments;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Accumulate any withdrawal amounts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.If the contract was previously reinstated (see Reinstatement), determine the amount of any loan at the time of default.

We then subtract amounts 2 and 3 from amount 1 and compare the result to the values shown in or derived from the Table of Limited No-Lapse Guarantee Values for such monthly date. If the result is equal to or greater than the appropriate value and the contract has no excess contract debt, the contract will remain in force until the next monthly date. If the result is less than the appropriate value and any of the events described under Default have occurred, the contract is in default as described under Default.

The Limited No-Lapse Guarantee will not prevent the contract from being in default for excess contract debt.

The Table of Limited No-Lapse Guarantee Values shows such values on contract anniversaries. On a date that falls between two anniversaries, the value will fall between the values for those anniversaries considering the time that has passed since the last anniversary. We will notify you in the annual report when any additional premium payment or other action is required to maintain the Limited No-Lapse Guarantee.

**PERSISTENCY CREDIT**

On each monthly date after this contract has been in force for the period shown in the contract data pages and is not in default, we will add a persistency credit to the contract fund. The persistency credit is calculated based on the unloaned portion of the contract fund. The persistency credit is nonforfeitable after crediting except indirectly due to surrender charges.

**Allocation of Persistency Credit**

We will allocate any persistency credit to the variable investment and fixed rate option using your payment allocation instructions for future premium payments on file as of the monthly date.

**REINSTATEMENT**

If this contract ends without value, as described under Default, you may reinstate it. The following conditions must be satisfied:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.The contract must not have been in default for more than 5 years.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.You must provide to us within a written application that the Insured is insurable for the contract at the same rating class that applied at the expiration of the grace period.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.You must pay us a premium that we estimate will be sufficient, after deduction of the charges shown under Adjustments to the Premium, to cover: (a) an amount, if any, required to bring the net cash value to zero when the grace period expired, plus (b) the deductions from the contract fund for three monthly dates starting on the date of reinstatement. Required payment amounts will reflect any charges due and unpaid from the period during which the policy was supported by a no-lapse guarantee in addition to charges due and unpaid during the grace period following the date of default, (c) excess of loan interest charged over loan interest credited during the grace period, plus (d) a premium that we estimate will be sufficient after deduction of the charges shown under Adjustments to Premium Payments to cover deductions from the contract fund for three monthly dates starting on the date of reinstatement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.Accrued loan interest due when the grace period expired, if any, must also be paid. Any remaining contract debt on the date of default will be cancelled unless you request that it be reinstated. If you request that the loan be reinstated, an additional loan payment would be required for the excess of the interest charged over the interest credited on the policy debt from the end of the grace period to the date of reinstatement.

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Payment of only the amount needed to reinstate this contract may not reinstate the Limited No-Lapse Guarantee. If the date of reinstatement occurs within the Limited No-Lapse Guarantee period shown under the Table of Limited No-Lapse Guarantee Values in the contract data page, reinstatement of the Limited No-Lapse Guarantee is subject to the payment of sufficient premiums to bring the premium amount less withdrawals and any loan amount at the time of default, up to the applicable amount shown in the Table of Limited No-Lapse Guarantee Values.

The date of reinstatement will be the date we approve your request. Upon approval, we will deduct all required charges from your payment and put the balance in your contract fund. We will also credit the contract fund with a refund of that part of any surrender charge deducted at the expiration of the grace period which would have been charged if the contract were surrendered immediately after reinstatement. Following reinstatement, all policy charges resume based upon the current contract year and attained age of the Insured.

**SEPARATE ACCOUNT**

**Separate Account**

The words "separate account," when we use them in this contract without qualification, mean any separate account we establish to support variable life insurance contracts like this one. We list the separate account(s) available to you in the contract data pages. We may establish additional separate accounts. We will notify you within one year if we do so.

**Variable Investment Options**

A separate account may offer one or more variable investment options. We list them in the contract data pages. When permitted by law and subject to any required notice to you and approval by regulatory authorities or contract owners, we have the right to make the following changes: establish additional variable investment options; substitute, merge or eliminate existing variable investment options; restrict premium payments or transfers into any variable investment option; and close existing variable investment options to new investments.

Income and realized and unrealized gains and losses from assets in each variable investment option are credited to, or charged against, that variable investment option. This is without regard to income, gains, or losses in other variable investment options.

**Separate Account Investments**

We may invest the assets of different separate accounts in different ways. But we will do so only with the consent of the SEC and the New York Department of Financial Services. The process for obtaining consent is on file with the Superintendent of the New York Department of Financial Services.

The portion of assets of the separate account equal to the reserves and other contract liabilities with respect to the account shall not be charged with liabilities arising out of any other business we may conduct. The assets of the separate account shall be available to cover the liabilities of the general account only to the extent that the assets exceed the liabilities of the separate account arising under the variable life insurance policies supported by the separate account.

We will determine the value of the assets in each separate account registered with the SEC under the Investment Company Act of 1940 and any variable investment option on each day the New York Stock Exchange is open for business (see Valuation of Variable Investment Options).

**Change in Investment Policy**

We will send you a notice if a variable investment option makes a material change in its investment policy. You may transfer amounts from that variable investment option to the fixed rate option within the later of 60 days from the effective date of the change and 60 days from the notice of the change, and such transfers do not count toward the twelve transfers allowed in each Contract Year. No material change in the investment policy of a variable investment option shall be made unless it has been filed with the New York Department of Financial Services.

**FIXED RATE OPTION**

We list the fixed rate option available to you in the contract data pages. As stated under Adjustments to the Contract Fund, we credit the fixed rate option with guaranteed interest, and we may credit it with excess interest no less frequently than annually. Any excess interest credited is nonforfeitable after crediting except indirectly due to surrender charges.

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Once each year, you have the option to transfer the entire amount in the variable investment options to the fixed rate option and surrender this contract for a fixed reduced paid-up insurance benefit.

**TRANSFERS**

You have the right to transfer amounts into or out of variable investment options and into the fixed rate option up to twelve times in each contract year without charge if the contract is not in default. Additional transfers may be made during each contract year, but only with our consent. We may charge for additional transfers as we state under Adjustments to the Contract Fund. Transfers out of the fixed rate option may be made only with our consent.

You may also transfer amounts from the variable investment options into the fixed rate option at any time (a) within eighteen months from the contract date, and (b) within 60 days of the effective date of a material change in the investment policy of a variable investment option (or the receipt of the notice of the option available, if later) with no restriction. Such transfers do not count toward the twelve transfers allowed in each contract year as stated above.

We may restrict the number, timing and amount of transfers in accordance with our rules if your transfer activity is determined by us to be disruptive to the variable investment option or to the disadvantage of other contract owners. We may prohibit transfer requests made by an individual acting under a power of attorney on behalf of more than one contract owner.

To make a transfer, you must ask us in a form that meets our needs. Unless otherwise restricted, the transfer will take effect on the date we receive your notice at our Home Office.

**Dollar Cost Averaging**

You may elect to transfer money periodically from the money market investment option into other variable investment options. Transfers under dollar cost averaging do not count toward the twelve transfers allowed each contract year as stated above. The transfer can be either a fixed dollar amount or a percentage of the amount you designate for this purpose. The transfers may be made monthly or quarterly. It will take effect as of the end of the valuation period on the date coinciding with the period you select. If the New York Stock Exchange is not open on that date, or if that date does not occur in a particular month, the transfer will take effect as of the end of the valuation period which immediately follows that date. This feature will end when (1) $50 or less remains of the amount you designated or (2) you ask us to cancel.

**SURRENDER**

You may surrender this contract for its net cash value (see Contract Fund) or a fixed reduced paid-up insurance benefit. To do so, you must ask us in a form that meets our needs. We may require you to send us the contract.

Payment will be made as expeditiously as possible. We will usually pay any net cash value within seven days, including surrenders of fixed reduced paid-up insurance, after we receive your request and the contract at our Home Office. But we have the right to postpone paying you the part of the net cash value that is to come from any variable investment option provided by a separate account registered under the Investment Company Act of 1940 if: (1) the New York Stock Exchange is closed; or (2) the SEC requires that trading be restricted or declares an emergency. We have the right to postpone paying you the remaining net cash value that is to come from the fixed rate option for up to six months.

Any net cash value available under the contract at any time other than on a contract anniversary will be calculated with allowance for lapse of time from the last preceding contract anniversary. If we do so for more than ten days, including surrenders of fixed reduced paid-up insurance, we will pay interest at the rate that then applies to Option 3 (Interest Payment) of the Settlement Options provision.

**Fixed Reduced Paid-Up Insurance**

This will be paid-up life insurance on the Insured's life. We will pay the amount of this insurance when the Insured dies. There will be cash values and loan values. The loan interest rate will be 5.5%. The amount of this insurance will be what is provided when we use the net cash value at the net single premium rate. This rate depends on the Insured's issue age and sex and on the length of time since the contract date (see Basis of Computation provision). Any portion of the net cash value that is not applied to provide the paid-up life insurance will be paid to you.

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**WITHDRAWALS**

You may make withdrawals from the contract subject to all these conditions and the paragraph that follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.You must ask for the withdrawal in a form that meets our needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.The contract fund less any surrender charge and less any contract debt after withdrawal may not be less than or equal to zero after deducting (a) any charges associated with the withdrawal and (b) an amount that we estimate will be sufficient to cover the contract fund deductions for two monthly dates following the date of withdrawal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.You may not withdraw less than the minimum amount shown under Contract Limitations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.The basic insurance amount after withdrawals must be at least equal to the minimum basic insurance amount shown under Contract Limitations.

Any amount withdrawn may not be repaid except as a premium subject to charges.

**Effect on Contract Fund**

On the date we approve your request, we will reduce your contract fund by the withdrawal amount and the charges listed under Adjustments to the Contract Fund. Unless you request otherwise and we agree, we will take any withdrawal proportionately from all investment and the fixed rate option that apply to the contract.

We may charge an administrative fee as stated under Adjustments to the Contract Fund.

For the possible effect of excess contract debt and/or failure to repay loans, see Default.

**Effect on Basic Insurance Amount**

If you have a Type B death benefit, withdrawals will not affect the basic insurance amount.

If you have a Type A death benefit and the withdrawal would cause the net amount at risk (see Contract Fund) to increase, we will reduce the basic insurance amount and, consequently, your death benefit to offset this increase. The reduction in the basic insurance amount will never be more than the withdrawal amount. If we reduce the basic insurance amount, we will recompute the contract's charges, values and limitations. We will send you new contract data pages showing these changes.

Payment will be made as expeditiously as possible. We will usually pay any withdrawal amount within seven days after we receive your request at our Home Office, but we have the right to postpone paying you the part of the withdrawal amount that is to come from any variable investment option provided by a separate account registered under the Investment Company Act of 1940 if: (1) the New York Stock Exchange is closed; or (2) the SEC requires that trading be restricted or declares an emergency. We have the right to postpone paying you the remaining withdrawal amount that is to come from the fixed rate option for up to six months. If we do so for more than ten days, we will pay interest at the rate that then applies to Option 3 (Interest Payment) of the Settlement Options provision.

**LOANS**

Subject to the requirements of this provision, you may at any time borrow any amount up to the current loan value less any existing contract debt. You may wish to consult with a tax advisor before taking a loan.

**Loan Value**

If the contract is not in default, the loan value at any time is equal to the sum of (a) 99% of the cash value attributable to the variable investment options, and (b) the balance of the cash value.

If the contract is in default, it has no loan value.

**Contract Debt**

Contract debt at any time means the loan on the contract at that time, plus the interest we have charged that is not yet due and that we have not yet added to the loan.

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**Loan Requirements**

For us to approve a loan, the following requirements must be met: you must assign this contract to us as sole security for the loan, the Insured must be living, and the resulting contract debt must not be more than the loan value.

If there is already contract debt when you borrow from us, we will add the new amount you borrow to that debt.

**Interest Charge**

We will charge interest daily on any loan. Interest is due on each contract anniversary, or when the loan is paid back, whichever comes first. If interest is not paid when due, we will increase the loan amount by any unpaid interest. Except as stated below, we charge interest at an effective annual rate shown under Loan Interest Rate in the contract data pages.

**Preferred Loans**

During the contract years shown in the contract data pages in the Preferred Loans section, all new and existing loans will be considered to be Preferred Loans. Preferred Loans are charged interest at an effective annual rate shown under Preferred Loan Interest Rate in the contract data pages.

**Effect on Contract Fund**

When you take a loan, the amount of the loan continues to be a part of the contract fund and is credited with interest as described in the contract data pages.

We will reduce the portion of the contract fund allocated to the investment and fixed rate option by the amount you borrow, and by loan interest that becomes part of the loan if it is not paid when due.

Unless you request otherwise, we will take any loan proportionately from all investment and the fixed rate option, based on the loanable value available in each investment and fixed rate option.

On each monthly date, if there is a contract loan outstanding at any time during the previous month, we will increase the portion of the contract fund in the investment and fixed rate option by interest credits accrued on the loan since the last monthly date. When you repay all or part of a loan, we will increase the portion of the contract fund in the investment and fixed rate option by the amount of that repayment. To do this, we will use your payment allocation instructions on file as of the loan payment date. We will also decrease the portion of the contract fund on which we credit the guaranteed interest rate as described in the contract data pages by the amount of loan you repay.

We will not increase the portion of the contract fund allocated to the investment and fixed rate option by loan interest that is paid before we make it part of the loan.

We reserve the right to change the manner in which we allocate loan repayments. If we make such a change, we will do so for all contracts like this one. We will send you notice of any change. If a loan results in a transfer out of a fixed rate option, we reserve the right to apply loan repayments to that same fixed rate option when the loan is repaid.

Payment will be made as expeditiously as possible. We will usually pay any loan amount within seven days after we receive your request at our Home Office. But we have the right to postpone paying you the part of the loan amount that is to come from any variable investment option provided by a separate account registered under the Investment Company Act of 1940 if: (1) the New York Stock Exchange is closed; or (2) the SEC requires that trading be restricted or declares an emergency. We have the right to postpone paying you the remaining loan amount that is to come from the fixed rate option for up to six months, except for any loan made to pay premiums due on any contracts you have with us. We have the right to postpone paying you any loan for up to six months if the contract is being continued on a fixed reduced paid-up insurance basis (see Surrender). If we do so for more than ten days, we will pay interest at the rate that then applies to Option 3 (Interest Payment) of the Settlement Options provision.

For the possible effect of excess contract debt and/or failure to repay loans, see Default.

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**GENERAL PROVISIONS**

**Annual Report**

Once each contract year we will send you, without charge, a report. It will show: the current death benefit; the amount of the contract fund, if any, in each investment and fixed rate option at the beginning and at the end of the current report period; the net cash value; the loan value; any contract debt and the interest rate we are charging; premiums paid, interest credited, investment results, charges deducted, and withdrawals taken since the last report. The report will include the beginning and end dates of the current report and may also show any other data that may be required where this contract is delivered. The annual report will indicate if the projected contract fund (assuming guaranteed interest and charges) will not be sufficient to maintain insurance in force until the end of the next reporting period unless further premium payments are made. You may also request an illustrative report once each contract year at no cost. We may charge a fee of up to the amount shown in the contract data pages for providing additional illustrative reports.

**Currency**

Any money we pay, and that is paid to us, must be in United States currency. Any amount we owe will be payable at our Home Office.

**Misstatement of Age or Sex**

If the Insured's stated age and/or sex are not correct, we will change each benefit and any amount payable to an amount(s) that would be provided by the sum of the most recent deductions from the contract fund (described in the contract data pages) as determined by the rates applicable for the cost of insurance at the Insured's correct age and/or sex.

**Assignment**

**Change in Plan**

You may be able to have this contract changed to another plan of life insurance. Any change may be made only if we consent, and will be subject to conditions and charges that are applicable to the new plan in accordance with regular rules in effect at the time of the change.

**Elements Subject To Change**

Subject to any guarantees shown in the contract data pages, we have the right to set and change from time to time the following elements of the policy: (a) the premium charge that is deducted from each premium paid; (b) the monthly insurance rates used to compute the charge for cost of insurance, the daily mortality and expense charge against variable investment options, the monthly charges for administrative expenses and any charges for riders attached to your policy and other administrative charges that may be deducted from the contract fund; (c) the rate of any excess interest credit and any persistency credit. We will not change any of the contract charges more frequently than once per year and we will not change the rate of any excess interest or the persistency credit more frequently than once per month.

Any setting of or changes to any contract element described above will consider one or more factors that include mortality, persistency, expenses, and investment earnings. Changes will be based on our future expectations with respect to any one or more of the factors we use to determine such changes. Any changes in contract elements will be on a class basis as we determine. All changes will be determined only prospectively.

**Non-Participating**

This contract will not share in our profits or surplus earnings. We will pay no dividends on it.

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**Applicable Tax Law**

This contract has been designed to satisfy the definition of life insurance for Federal income tax purposes under Section 7702 of the Internal Revenue Code of 1986, as amended. We reserve the right, however, to decline any change we determine would cause this contract to fail to qualify as life insurance under the applicable tax law. This includes changing the basic insurance amount, withdrawals, and changing the type of death benefit. We also have the right to change this contract, to require additional premium payments, or to make distributions from this contract to the extent necessary to continue to qualify this contract as life insurance. Finally, we reserve the right to take whatever action is necessary to prevent the contract from becoming a modified endowment contract under Section 7702A of the Internal Revenue Code of 1986 unless you have otherwise indicated to us in writing that you want a modified endowment contract.

**Age 121**

We discontinue the monthly charges from the contract fund on the first contract anniversary on or following the Insured's 121st birthday. You may continue the contract after that anniversary and it will then continue to operate as described in its provisions (including the Death Benefit and Contract Fund provisions), although you may not make any premium payments except for amounts required to keep the policy in force under the grace period, and no monthly charges will be deducted from the Contract Fund. Loans, loan repayments, and withdrawals can continue to be made after age 121. Cash value default may not occur on or following such anniversary. Excess contract debt default may occur if contract debt ever grows to be equal to or more than the cash value (See Default).

**The contract may not qualify as life insurance under Federal tax law after the Insured has attained age 100 and may be subject to adverse tax consequences. A tax advisor should be consulted before you choose to continue the contract after the Insured reaches age 100.**

**BASIS OF COMPUTATION**

Mortality Basis and Interest Rate

(A)We compute maximum monthly insurance rates using:

1. the Mortality Table shown below the Table of Maximum Monthly Insurance Rates per $1,000 of Net Amount at Risk on the contract data pages;

2. the issue age, sex, smoker and non-smoker status, and rating class of the Insured and the length of time since the contract date;

3. age last birthday; and

4. an effective annual interest rate shown below the Table of Maximum Monthly Insurance Rates per $1,000 of Net Amount at Risk on the contract data pages.

(B)We compute all net single premiums and values for fixed reduced paid-up insurance using:

1. the Mortality Table shown below the Table of Maximum Monthly Insurance Rates per $1,000 of Net Amount at Risk on the contact data pages;

2. the issue age, sex, smoker and non-smoker status of the Insured and the length of time since the contract date;

3. continuous functions based on age last birthday; and

4. an interest rate that will not exceed the maximum non-forfeiture interest rate shown below the Table of Maximum Monthly Insurance Rates per $1,000 of Net Amount at Risk on the contract data pages.

**Minimum Legal Values**

The cash surrender values (and fixed reduced paid-up insurance) provided by this contract are at least as large as those set by law where delivered. Where required we have given the insurance regulator a detailed statement of how we compute values and benefits.

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**SETTLEMENT OPTIONS**

**Options Described**

You may choose to have the proceeds (that is, any death benefit or any amount payable upon surrender of the contract) paid in a single sum or under one of the optional modes of settlement described below.

When the benefit is payable, we will pay it in a single sum check, unless another method of payment is requested by the policyowner or beneficiary and agreed to by us.

If the person who is to receive the proceeds of this contract wishes to take advantage of one of these optional modes, we will furnish, on request, details of the options we describe below or any others we may have available at the time the proceeds become payable.

Any annuity benefits, at the time they commence, will not be less than those that would be provided by the application of the proceeds to purchase a single consideration immediate annuity contract at purchase rates offered by the Company at the time to the same class of annuitants, whether the annuity benefits are payable in fixed or variable amounts or both, if the Company offers a single consideration annuity contract at the time to the same class of annuitants.

**Option 1 (Installments For A Fixed Period)**

We will make equal payments for up to 25 years. The Option 1 Table shows the minimum amounts we will pay.

**Option 2 (Life Income)**

We will make equal monthly payments for as long as the person on whose life the settlement is based lives, with payments certain for 120 months. The Option 2 Table shows the minimum amounts we will pay. However, we must have proof of the date of birth of the person on whose life the settlement is based. Please contact us for the rates for any ages not shown in the Table.

**Option 3 (Interest Payment)**

We will hold an amount at interest (see Interest Rate). We will pay the interest annually, semi-annually, quarterly, or monthly as requested by the policyowner.

**Option 4 (Installments of a Fixed Amount)**

We will make equal annual, semi-annual, quarterly, or monthly payments for as long as the available proceeds provide.

**Option 5 (Non-Participating Income)**

We will make payments like those of any annuity we then regularly issue that: (1) is based on United States currency; (2) is bought by a single sum; (3) does not provide for dividends; and (4) does not normally provide for deferral of the first payment. Each payment will be at least equal to what we would pay under that kind of annuity with its first payment due on its contract date. If a life income is chosen, we must have proof of the date of birth of any person on whose life the option is based. Option 5 cannot be chosen more than 30 days before the due date of the first payment.

If a life income is chosen, and the monthly payment is the same for different periods certain, the longest period certain will be deemed to have been chosen.

**Interest Rate**

Payments under Options 1 and 4 will be calculated assuming an effective interest rate of at least 0.75% a year for periods less than 10 years and 1.5% a year for periods between 10 and 25 years. Payments under Option 3 will be calculated assuming an effective interest rate of at least 0.5% a year.

For Option 2 we use the Annuity 2000 Age Nearest Birthday Mortality Table with Modified Projection Scale G at 3% interest. The mortality rates used from this table are the ones for an age that is two years younger than the age of the person who is to receive the proceeds of this contract.

We may include more interest.

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**SETTLEMENT OPTIONS TABLES**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| OPTION 1 TABLE  | OPTION 1 TABLE  | OPTION 2 TABLE  | OPTION 2 TABLE  | OPTION 2 TABLE  | OPTION 2 TABLE  | OPTION 2 TABLE  | OPTION 2 TABLE  |
| MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, THE FIRST PAYABLE IMMEDIATELY | MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, THE FIRST PAYABLE IMMEDIATELY | MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, <br>THE FIRST PAYABLE IMMEDIATELY | MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, <br>THE FIRST PAYABLE IMMEDIATELY | MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, <br>THE FIRST PAYABLE IMMEDIATELY | MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, <br>THE FIRST PAYABLE IMMEDIATELY | MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, <br>THE FIRST PAYABLE IMMEDIATELY | MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, <br>THE FIRST PAYABLE IMMEDIATELY |
| MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, THE FIRST PAYABLE IMMEDIATELY | MINIMUM AMOUNT OF MONTHLY PAYMENT FOR EACH $1,000, THE FIRST PAYABLE IMMEDIATELY | AGE LAST<br>BIRTHDAY | Male | Female | AGE LAST<br>BIRTHDAY | Male | Female |
| Number of Years | Monthly Payment | 5 | $2.72 | $2.68 | 48 | $3.72 | $3.51 |
| Number of Years | Monthly Payment | and under |  |  | 49 | 3.77 | 3.56 |
| Number of Years | Monthly Payment | 6 | 2.73 | 2.69 | 50 | 3.83 | 3.61 |
| 1 | $83.62 | 7 | 2.74 | 2.69 | 51 | 3.88 | 3.66 |
| 2 | 41.97 | 8 | 2.75 | 2.70 | 52 | 3.95 | 3.71 |
| 3 | 28.08 | 9 | 2.76 | 2.71 | 53 | 4.01 | 3.76 |
| 4 | 21.14 | 10 | 2.77 | 2.72 | 54 | 4.08 | 3.82 |
| 5 | 16.97 | 11 | 2.78 | 2.73 | 55 | 4.15 | 3.88 |
|  |  | 12 | 2.79 | 2.74 | 56 | 4.22 | 3.94 |
| 6 | 14.20 | 13 | 2.80 | 2.75 | 57 | 4.30 | 4.01 |
| 7 | 12.22 | 14 | 2.82 | 2.76 | 58 | 4.38 | 4.08 |
| 8 | 10.73 | 15 | 2.83 | 2.77 | 59 | 4.47 | 4.16 |
| 9 | 9.57 | 16 | 2.84 | 2.78 | 60 | 4.56 | 4.24 |
| 10 | 8.96 | 17 | 2.85 | 2.79 | 61 | 4.66 | 4.32 |
|  |  | 18 | 2.87 | 2.80 | 62 | 4.76 | 4.41 |
| 11 | 8.21 | 19 | 2.88 | 2.81 | 63 | 4.87 | 4.50 |
| 12 | 7.58 | 20 | 2.89 | 2.83 | 64 | 4.98 | 4.60 |
| 13 | 7.05 | 21 | 2.91 | 2.84 | 65 | 5.10 | 4.71 |
| 14 | 6.59 | 22 | 2.93 | 2.85 | 66 | 5.23 | 4.82 |
| 15 | 6.20 | 23 | 2.94 | 2.87 | 67 | 5.36 | 4.94 |
|  |  | 24 | 2.96 | 2.88 | 68 | 5.49 | 5.06 |
| 16 | 5.85 | 25 | 2.98 | 2.90 | 69 | 5.64 | 5.19 |
| 17 | 5.55 | 26 | 3.00 | 2.91 | 70 | 5.78 | 5.33 |
| 18 | 5.27 | 27 | 3.01 | 2.93 | 71 | 5.94 | 5.48 |
| 19 | 5.03 | 28 | 3.03 | 2.94 | 72 | 6.10 | 5.63 |
| 20 | 4.81 | 29 | 3.06 | 2.96 | 73 | 6.26 | 5.79 |
|  |  | 30 | 3.08 | 2.98 | 74 | 6.43 | 5.96 |
| 21 | 4.62 | 31 | 3.10 | 3.00 | 75 | 6.60 | 6.14 |
| 22 | 4.44 | 32 | 3.13 | 3.02 | 76 | 6.78 | 6.33 |
| 23 | 4.28 | 33 | 3.15 | 3.04 | 77 | 6.95 | 6.52 |
| 24 | 4.13 | 34 | 3.18 | 3.07 | 78 | 7.13 | 6.71 |
| 25 | 3.99 | 35 | 3.21 | 3.09 | 79 | 7.31 | 6.92 |
|  |  | 36 | 3.23 | 3.11 | 80 | 7.49 | 7.12 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 37 | 3.27 | 3.14 | 81 | 7.67 | 7.33 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 38 | 3.30 | 3.16 | 82 | 7.85 | 7.53 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 39 | 3.33 | 3.19 | 83 | 8.02 | 7.73 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 40 | 3.37 | 3.22 | 84 | 8.18 | 7.93 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 41 | 3.40 | 3.25 | 85 | 8.33 | 8.12 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 42 | 3.44 | 3.29 | 86 | 8.48 | 8.29 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 43 | 3.48 | 3.32 | 87 | 8.62 | 8.46 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 44 | 3.53 | 3.35 | 88 | 8.75 | 8.61 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 45 | 3.57 | 3.39 | 89 | 8.87 | 8.75 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 46 | 3.62 | 3.43 | 90 | 8.98 | 8.88 |
| For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | For Years 1 through 9, multiply the monthly amount by 2.998 for quarterly,<br>5.991 for semi-annual or 11.959 for annual.<br>For Years 10 through 25, multiply the monthly amount by 2.996 for quarterly,<br>5.981 for semi-annual or 11.919 for annual. | 47 | 3.67 | 3.47 | and over |  |  |

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**Individual Flexible Premium Variable Universal Life Insurance Policy. Insurance payable only upon death. Cash values reflect premium payments, investment results, any interest credited to the fixed rate option, any persistency credit added, and charges. Non-participating.**

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## Ex-99.D

**Pruco Life Insurance Company of New Jersey**

**RIDER TO PROVIDE LAPSE PROTECTION**

On any monthly date, prior to the Benefit End Date shown on the rider data pages, and after the Limited No-Lapse Guarantee period (see Limited No-Lapse Guarantee), when the contract would otherwise be in default (see Default), the contract will remain in force until the next monthly date if the no-lapse guarantee value is greater than zero and there is no excess contract debt. If the no-lapse guarantee value is zero or less or there is excess contract debt, the contract is in default. We will notify you in the annual report when any additional premium payment or other action is required to maintain the lapse protection provided by this rider.

The no-lapse guarantee value, no-lapse contract fund, no-lapse premium charge, no-lapse cost of insurance, no- lapse net amount at risk, and no-lapse death benefit (described below) are reference values only and are not used in the determination of values and benefits under this contract. They are used only to determine if the contract is in default.

**Charge For Rider Benefits**

On each monthly date, we will deduct a charge for this rider from the contract fund. The monthly charge is determined by multiplying (1) the cost of insurance rate per $1,000 for this rider, and (2) the net amount at risk (see Contract Fund in your policy) divided by $1,000. The maximum cost of insurance for this rider is shown in the contract data pages.

**No-Lapse Guarantee Value**

The no-lapse guarantee value is equal to the no-lapse contract fund, less any contract debt. If the contract is reinstated, the amount of any existing contract debt on the date of default will not be included in the no-lapse contract fund. This rider cannot be reinstated after the Benefit End Date shown on the rider data pages or after it has terminated for any other reason (See Termination).

**No-Lapse Contract Fund**

When you make your first premium payment, the no-lapse net premium amount, less any no-lapse charges due on or before that day, becomes your no-lapse contract fund. Beginning on the contract date, amounts are added to and subtracted from the no-lapse contract fund as shown under No-Lapse Adjustments to the No-Lapse Contract Fund.

**No-Lapse Premium Charge**

We subtract a no-lapse premium charge from each premium paid. The premium allocation amounts and the initial and ultimate rates are shown in the No-Lapse Premium Charge Rate Table. For any premium we receive in the 60-day period preceding a contract anniversary on which the initial or ultimate rates decrease, we will subtract a no-lapse premium charge no greater than the amount we would subtract if that premium were received on the contract anniversary.

To determine the amount deducted from each premium, we perform the following steps:

1. We determine any premium amount already paid during the current contract year. (This amount may be zero.)

2. We subtract the step 1 amount from the premium allocation amount on the date we receive your current premium. If the result is less than zero, we consider it to be zero.

3. If the current premium amount is less than or equal to the step 2 amount, the entire premium amount is multiplied by the initial rate to determine the no-lapse premium charge for that premium. If the current premium amount is greater than the step 2 amount, we (a) multiply the step 2 amount by the initial rate, and (b) multiply the difference between the submitted premium and the step 2 amount by the ultimate rate. The total of (a) and (b) is the no-lapse premium charge for that premium.

**No-Lapse Cost of Insurance**

On each monthly date, we will deduct a charge for the no-lapse cost of insurance from the no-lapse contract fund. To determine this charge, we use the following method:

We determine the no-lapse cost of insurance rate using the monthly rate shown under the Table of No-Lapse Monthly Insurance Rates per $1,000 of No-Lapse Net Amount at Risk for the appropriate contract year.

RID-NLG-2025&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NY

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We multiply that rate by the no-lapse net amount at risk divided by $1,000 to compute the charge for the no-lapse cost of insurance.

**No-Lapse Net Amount at Risk** 

The no-lapse net amount at risk is equal to the no-lapse death benefit minus the no-lapse contract fund.

**No-Lapse Death Benefit** 

This contract has a Type A, Type B, or Type C death benefit. We show the type of death benefit that applies to this contract under Type of Death Benefit.

If this contract has a Type A death benefit, the no-lapse death benefit is equal to the greater of (1) the basic insurance amount, and (2) the no-lapse contract fund before deduction of any no-lapse monthly charges due on that date, multiplied by the attained age factor that applies.

If this contract has a Type B death benefit, the no-lapse death benefit is equal to the greater of (1) the basic insurance amount plus the no-lapse contract fund before deduction of any no-lapse monthly charges due on that date, and (2) the no-lapse contract fund before deduction of any no-lapse monthly charges due on that date, multiplied by the attained age factor that applies.

If this contract has a Type C death benefit, the no-lapse death benefit on any date is equal to the greater of (1) and (2) where: (1) is the basic insurance amount plus the lesser of (a) the total premiums paid minus total withdrawals from this contract, and (b) the no- lapse contract fund before deduction of any monthly charge due on that date plus the product of the Type C Limiting Amount multiplied by the Type C Death Benefit Factor, both found in the Contract Limitations section of the contract data pages; and (2) is the no-lapse contract fund before deduction of any monthly charges due on that date, multiplied by the attained age factor that applies. For the purpose of determining the Type C no-lapse death benefit, the total premiums paid will not include any charge to reinstate this contract as described under Reinstatement.

**Total Disability Benefit** 

This contract may have a rider for the payment of a net premium amount benefit upon the Insured's total disability. If it does, that benefit will be listed on a contract data page and a copy of the rider will be included in this contract. On each monthly date benefits are paid under that rider, we will credit the no-lapse contract fund with a no-lapse net premium amount equal to the total of the monthly deductions from the no-lapse contract fund on that monthly date.

**Termination** 

This rider will end on the earliest of:

1. The date we receive a written request from the owner to remove the rider;

2. the Benefit End Date shown on the rider data pages;

3. the end of the last day of the grace period if the contract is in default;

4. the date the contract is surrendered for its net cash value; and

5. the date the contract ends for any other reason.

**This rider is attached to and made part of the contract on the contract date. The rider provisions apply in lieu of any policy provisions to the contrary.**

Pruco Life Insurance Company of New Jersey,

By ![amywoltmansignature1.jpg](amywoltmansignature1.jpg)

[Secretary]

RID-NLG-2025&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NY

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PROCESSING DATE: [XXX XX, XXXX]

POLICY NO. [XX XXX XXX]

**LAPSE PROTECTION RIDER DATA**

**Benefit End Date:** [June 30, 2081]

**No-Lapse Adjustments to Premium Payments**

From each premium paid we will:

<u>subtract</u> a no-lapse premium charge as described under No-Lapse Premium Charge.

The remainder of the premium is the no-lapse net premium amount.

**No-Lapse Adjustments to the No-Lapse Contract Fund**

On the Contract Date the no-lapse contract fund is equal to the no-lapse net premium amount credited on that date, <u>minus</u> any of the charges described below which may be due on that date.

On each day after the contract date, we will adjust the no-lapse contract fund by:

<u>adding</u> any no-lapse net premium amounts.

<u>adding</u> no-lapse interest on that portion of the no-lapse contract fund in excess of the amount of any loan as follows:

---

| | |
|:---|:---|
| **Contract Year(s)** | **Effective Annual Rate <br>of No-Lapse Interest** |

---

[1] &nbsp;&nbsp;&nbsp;&nbsp;[0.00% (0.00000000% a day)]

[2][3.00% (0.00809863% a day)]

[3][3.25% (0.00876286% a day)]

[4][3.50% (0.00942549% a day)]

[5][3.75% (0.01008653% a day)]

[6][4.00% (0.01074598% a day)]

[7][4.25% (0.01140385% a day)]

[8][4.50% (0.01206015% a day)]

[9][4.75% (0.01271488% a day)]

[10][5.00% (0.01336806% a day)]

[11][5.25% (0.01401969% a day)]

[12][5.50% (0.01466978% a day)]

[13][5.75% (0.01531833% a day)]

[14][6.00% (0.01596536% a day)]

[15][6.25% (0.01661086% a day)]

[16][6.50% (0.01725486% a day)]

[17][6.75% (0.01789735% a day)]

[18][7.00% (0.01853833% a day)]

[19][7.25% (0.01917783% a day)]

[20-56]&nbsp;&nbsp;&nbsp;&nbsp; [7.50% (0.01981584% a day)]

RIDER DATA CONTINUED ON NEXT PAGE

RID-NLG-CD-2025&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Ext]

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PROCESSING DATE: [XXX XX, XXXX]

POLICY NO. [XX XXX XXX]

**LAPSE PROTECTION RIDER DATA CONTINUED**

<u>adding</u> no-lapse interest on that portion of the no-lapse contract fund equal to the amount of any loan at an effective annual rate of 1% (0.00272616% a day).

<u>subtracting</u> any withdrawals.

And on each monthly date, we will adjust the no-lapse contract fund by:

<u>subtracting</u> a monthly no-lapse charge for administrative expenses of: [$0.17] per $1,000 of the basic insurance amount plus [$9.00]; changing on [June 30, 2035] to [$0.00] per $1,000 of the basic insurance amount plus [$9.00] thereafter.

<u>subtracting</u> a monthly no-lapse charge for the no-lapse cost of insurance (see No-Lapse Cost of Insurance).

[<u>subtracting</u> a monthly no-lapse charge for the Payment of Net Premium Amount Benefit Upon Insured's Total Disability (Rider [VL 100 B-2017]) of [7.519%] of the current total disability benefit as described in the Total Disability Benefit provision in the rider.]

[<u>subtracting</u> a maximum monthly no-lapse charge for Insured's Accidental Death Benefit (Rider [VL 110 B-2000-NY]) of [$1.66].]

[<u>subtracting</u> a monthly no-lapse charge as described in the Rider to Provide Acceleration of Death Benefit (Rider [VL 145 B6-2020]). This charge will be waived from the time benefit payments begin.]

[<u>subtracting</u> a maximum monthly no-lapse charge for Level Term Insurance Benefit on Dependent Children (Rider [VL 182 B-2016]) of [$10.36] payable until [June 30, 2065]. ]

[<u>subtracting</u> a maximum monthly no-lapse charge for Level Term Insurance Benefit on Dependent Children (Rider [VL 184 B-2016]) of [$10.36] payable until [June 30, 2065]. ]

RIDER DATA CONTINUED ON NEXT PAGE

RID-NLG-CD-2025&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Ext]

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PROCESSING DATE: [XXX XX, XXXX]

POLICY NO. [XX XXX XXX]

**LAPSE PROTECTION RIDER DATA CONTINUED**

**Table of No-Lapse Monthly Insurance Rates per $1,000 of No-Lapse Net Amount at Risk**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract** **Year** | **Monthly Rate** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract** **Year** | **Monthly Rate** |
| [1] | [0.00000] | [36] | [2.12563] |
| [2] | [0.10404] | [37] | [2.35443] |
| [3] | [0.10509] | [38] | [2.62192] |
| [4] | [0.10615] | [39] | [2.90370] |
| [5] | [0.10722] | [40] | [3.20652] |
| [6] | [0.10830] | [41] | [3.53627] |
| [7] | [0.12045] | [42] | [3.90806] |
| [8] | [0.13445] | [43] | [4.34042] |
| [9] | [0.14805] | [44] | [4.84260] |
| [10] | [0.16412] | [45] | [5.40534] |
| [11] | [0.18260] | [46] | [6.03284] |
| [12] | [0.20431] | [47] | [6.71503] |
| [13] | [0.22826] | [48] | [7.43760] |
| [14] | [0.25261] | [49] | [8.22661] |
| [15] | [0.27469] | [50] | [9.10394] |
| [16] | [0.29631] | [51] | [10.58369] |
| [17] | [0.32003] | [52] | [11.71068] |
| [18] | [0.34663] | [53] | [12.92865] |
| [19] | [0.37768] | [54] | [14.22346] |
| [20] | [0.41553] | [55] | [15.58185] |
| [21] | [0.46180] | [56] | [23.38637] |
| [22] | [0.51143] |  |  |
| [23] | [0.56526] |  |  |
| [24] | [0.62246] |  |  |
| [25] | [0.68219] |  |  |
| [26] | [0.79238] |  |  |
| [27] | [0.88575] |  |  |
| [28] | [0.99426] |  |  |
| [29] | [1.11286] |  |  |
| [30] | [1.23652] |  |  |
| [31] | [1.36521] |  |  |
| [32] | [1.49559] |  |  |
| [33] | [1.63186] |  |  |
| [34] | [1.77570] |  |  |
| [35] | [1.93720] |  |  |

---

RIDER DATA CONTINUED ON NEXT PAGE

RID-NLG-CD-2025&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Ext]

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PROCESSING DATE: [XXX XX, XXXX]

POLICY NO. [XX XXX XXX]

**LAPSE PROTECTION RIDER DATA CONTINUED**

**[Table of No-Lapse Monthly Insurance Rates per $1,000 of No-Lapse Net Amount at Risk for Rider to Provide Acceleration of Death Benefit]**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract** **Year** | **Monthly Rate** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Contract** **Year** | **Monthly Rate** |
| [1] | [0.00000] | [36] | [0.35988] |
| [2] | [0.01063] | [37] | [0.39861] |
| [3] | [0.01203] | [38] | [0.44391] |
| [4] | [0.01323] | [39] | [0.49161] |
| [5] | [0.01481] | [40] | [0.54289] |
| [6] | [0.01652] | [41] | [0.59871] |
| [7] | [0.01836] | [42] | [0.66166] |
| [8] | [0.02051] | [43] | [0.73485] |
| [9] | [0.02278] | [44] | [0.81987] |
| [10] | [0.02549] | [45] | [0.91516] |
| [11] | [0.02863] | [46] | [1.02140] |
| [12] | [0.03232] | [47] | [1.13689] |
| [13] | [0.03646] | [48] | [1.25923] |
| [14] | [0.04074] | [49] | [1.39281] |
| [15] | [0.04472] | [50] | [1.54134] |
| [16] | [0.04871] | [51] | [1.70655] |
| [17] | [0.05312] | [52] | [1.88827] |
| [18] | [0.05810] | [53] | [2.08467] |
| [19] | [0.06394] | [54] | [2.29344] |
| [20] | [0.07035] | [55] | [2.51247] |
| [21] | [0.07819] | [56] | [2.73065] |
| [22] | [0.08658] |  |  |
| [23] | [0.09571] |  |  |
| [24] | [0.10539] |  |  |
| [25] | [0.11549] |  |  |
| [26] | [0.13416] |  |  |
| [27] | [0.14997] |  |  |
| [28] | [0.16833] |  |  |
| [29] | [0.18842] |  |  |
| [30] | [0.20935] |  |  |
| [31] | [0.23114] |  |  |
| [32] | [0.25322] |  |  |
| [33] | [0.27629] |  |  |
| [34] | [0.30065] |  |  |
| [35] | [0.32798] |  |  |

---

RIDER DATA CONTINUED ON NEXT PAGE

RID-NLG-CD-2025&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Ext]

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PROCESSING DATE: [XXX XX, XXXX]

POLICY NO. [XX XXX XXX]

**LAPSE PROTECTION RIDER DATA CONTINUED**

**NO-LAPSE PREMIUM CHARGE RATE TABLE**

(see Rider to Provide Lapse Protection for details)

---

| | | | |
|:---|:---|:---|:---|
| | Initial Rate | &nbsp;&nbsp;&nbsp;&nbsp;Ultimate Rate | &nbsp;&nbsp;&nbsp;&nbsp;Premium Allocation Amount |
| &nbsp;&nbsp;Contract Date: | [39.00%] | [39.00%] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[$2,598.99] |
| &nbsp;&nbsp;changing on [June 30, 2026] to: | [29.25%] | [29.25%] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[$2,598.99] |
| &nbsp;&nbsp;changing on [June 30, 2027] to: | [26.25%] | [26.25%] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[$2,598.99] |
| &nbsp;&nbsp;changing on [June 30, 2029] to: | [25.25%] | [25.25%] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[$2,598.99] |
| &nbsp;&nbsp;changing on [June 30, 2030] to: | [24.25%] | [24.25%] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[$2,598.99] |
| &nbsp;&nbsp;changing on [June 30, 2055] to: | [17.25%] | [17.25%] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[$2,442.25] |
| &nbsp;&nbsp;changing on [June 30, 2065] to: | [17.25%] | [17.25%] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[$2,311.00] |
| &nbsp;&nbsp;changing on [June 30, 2090] to: | [17.25%] | [17.25%] | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[$2,290.00] |

---

END OF RIDER DATA

RID-NLG-CD-2025&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Page 5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; [Ext]

## Ex-99.H

PARTICIPATION AGREEMENT

Among

PUTNAM VARIABLE TRUST

FRANKLIN DISTRIBUTORS, LLC

PRUCO LIFE INSURANCE COMPANY

And

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

THIS AGREEMENT, made and entered into as of this 1<sup>st</sup> day of May 2025, among **Pruco Life Insurance Company**, an Arizona state life insurance company, **Pruco Life Insurance Company of New Jersey**, a New Jersey state life insurance company, (each, a and together, ies each of the Companies on its own behalf and on behalf of each separate account of each Company set forth on Schedule A hereto, as such Schedule may be amended from time to time (each such account hereinafter referred to as the "Account"), **PUTNAM VARIABLE TRUST** (the "Trust"), a Massachusetts business trust, and **FRANKLIN DISTRIBUTORS, LLC** (the "Underwriter"), a Delaware limited liability company.

WHEREAS, the Trust is an open-end diversified management investment company and is available to act as the investment vehicle for separate accounts now in existence or to be established at any date hereafter for variable life insurance policies and variable annuity contracts (collectively, the "Variable Insurance Products") to be offered by insurance companies which have entered into Participation Agreements with the Trust and the Underwriter (the "Participating Insurance Companies"); and

WHEREAS, the beneficial interest in the Trust is divided into several series of shares, each designated a "Fund" and each representing the interest in a particular managed portfolio of securities and other assets; and

WHEREAS, the Trust has obtained an order from the Securities and Exchange Commission , dated December 29, 1993 (File No. 812-8612), granting the variable annuity and variable life insurance separate accounts participating in the Trust exemptions from the provisions of sections 9(a), 13(a), 15(a) and 15(b) of the Investment Company Act of 1940, as amended (the "1940 Act"), and Rules 6e-2(b)(15) and 6e-3(T)(b)(15) thereunder, to the extent necessary to permit shares of the Trust to be sold to and held by variable annuity and variable life insurance separate accounts of the Participating Insurance Companies (the "Shared Funding Exemptive Order"); and

WHEREAS, the Trust is registered as an open-end management investment company under the 1940 Act and the sale of its shares is registered under the Securities Act of 1933, as amended (the "1933 Act"); and

WHEREAS, each Company has registered or will register certain variable life and/or variable annuity contracts under the 1933 Act and any applicable state securities and insurance law; and

WHEREAS, each Account is a duly organized, validly existing separate account, established by resolution of the Board of Directors of a Company, to set aside and invest assets attributable to one or more variable insurance contracts (the "Contracts", the Contract(s) and the Account(s) covered by the Agreement are specified in Schedule A); and

WHEREAS, each Company has registered or will register the Account as a unit investment trust under the 1940 Act; and

WHEREAS, the Underwriter is registered as a broker dealer with the SEC under the Securities Exchange Act of 1934, as amended (the "1934 Act"), and is a member in good standing of the Financial Industry Regulatory Authority (the "FINRA"); and

WHEREAS, to the extent permitted by applicable insurance laws and regulations, each Company intends to purchase shares in certain Funds ("Authorized Funds," the Authorized Funds covered by the Agreement are specified in Schedule B) on behalf of each Account to fund certain of the Contracts and the Underwriter is authorized to sell such shares to unit investment trusts such as each Account at net asset value;

------

NOW, THEREFORE, in consideration of the mutual promises herein, each Company, the Trust and the Underwriter agree as follows:

ARTICLE 1. Sale of Trust Shares

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.1&nbsp;&nbsp;&nbsp;&nbsp;The Underwriter will, subject to the Trust's rights under Section 1.2 and otherwise under this Agreement, sell to each Company those Trust shares representing interests in Authorized Funds which each Account orders, executing such orders on a daily basis at the net asset value next computed after receipt by the Trust or its designee of the order for the shares of the Trust. For purposes of this Section 1.1, each Company shall be the designee of the Trust for receipt of such orders from each Account and receipt by such designee as of 4:00 p.m. Eastern time shall constitute receipt by the Trust; provided that the Trust receives notice of such order by 9:30 a.m. Eastern time on the next following Business Day. "Business Day" shall mean any day on which the New York Stock Exchange is open for trading and on which the Trust calculates its net asset value pursuant to the rules of the SEC. The initial Authorized Funds are set forth in Schedule B, as such schedule is amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2&nbsp;&nbsp;&nbsp;&nbsp;The Trust will make its shares available indefinitely for purchase at the applicable net asset value per share by each Company for their separate Accounts listed on Schedule A, on those days on which the Trust calculates its net asset value pursuant to rules of the SEC and the Trust shall use best efforts to calculate such net asset value on each day on which the NYSE is open for trading. Notwithstanding the foregoing, the Trustees of the Trust (the "Trustees") may refuse to sell shares of any Fund to a Company or any other person, or suspend or terminate the offering of shares of any Fund if such action is required by law or by regulatory authorities having jurisdiction over the Trust or if the Trustees determine, in the exercise of their fiduciary responsibilities, that to do so would be in the best interests of shareholders.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3&nbsp;&nbsp;&nbsp;&nbsp;The Trust and the Underwriter agree that shares of the Trust will be sold only to Participating Insurance Companies and their separate accounts. No shares of any Fund will be sold to the general public.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4&nbsp;&nbsp;&nbsp;&nbsp;The Trust shall redeem its shares in accordance with the terms of its then current prospectus. For purposes of this Section 1.4, each Company shall be the designee of the Trust for receipt of requests for redemption from each Account and receipt by such designee by the close of trading on the NYSE on a day shall constitute receipt by the Trust prior to the close of trading on the NYSE on that day; provided that the Trust receives facsimile notice of such request for redemption by 9:30 a.m., Eastern time, on the following Business Day. In connection with the foregoing and Section 1.1 above, each Company agrees to provide information, at the Underwriter's reasonable request, on its late trading controls procedures, and each of the Companies represents that it has controls and procedures in place to prevent the acceptance of orders or requests for redemption of shares of the Trust after the close of trading on the NYSE on a day for trades that will be based on the net asset value determined as of the close of trading on the NYSE on such day.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5&nbsp;&nbsp;&nbsp;&nbsp;The Parties agree that the Contracts are not intended to serve as vehicles for frequent transfers among the Funds. The Parties agree to cooperate in good faith and in accordance with the practices and policies of the Parties as of the date of this Agreement (or as mutually agreed from time to time) to monitor data transfer activity in the Funds where such activity occurs through the Contracts and has been identified as abusive, inappropriate or following a "market timing" pattern ("Abusive Transfers"). As such, the Company agrees on its

own behalf, and on behalf of any designee of the Company, to review and identify activity that might be construed as market timing and to abide by Putnam's practices and policies by restricting activity of any Contract owner identified, either by the Trust, the Underwriter, the Company, or its designee, as a market timer. The parties acknowledge and agree that the transactions contemplated under this Agreement shall be subject to [subpoints (a) through (d) below] the provisions of the Rule 22c-2 Agreement dated as of this date and entered into by and

among Underwriter, Company and Putnam Investor Services, Inc.

[(a) Currently, the Companies employ a "20 Transfer Rule" to help curb frequent Sub-Account transfers. Under this policy, a Contract owner is allowed to submit a total of 20 Sub-Account transfer requests each Contract Year for each Contract by any of the following methods: U.S. Mail, Voice Response Unit, Internet or telephone. Once these 20 Sub-Account transfers have been requested, a Contract owner may submit any additional Sub-Account transfer requests only in writing by U.S. Mail or overnight delivery service. Transfer requests by telephone, voice recording unit, via the internet or sent by same day mail or courier service will not be accepted.

The Companies actively monitor each Contract owner's compliance with this policy. The Companies' computer system automatically send a Contract owner a letter after the 10th Sub-Account transfer to remind the

------

Contract owner of the Sub-Account transfer policy. After the 20th transfer request, the computer system will not allow a Contract owner to do another Sub-Account transfer by telephone, voice recording unit or via the internet.

On the anniversary each year of the date the Contract was issued, the Companies low 20 new Sub-Account transfers by any means.

While the Companies currently utilize this 20 Transfer Rule to attempt to prevent Abusive Transfers, the Trust acknowledges and agrees that the Contracts may not give the Companies the ability to restrict transfers and that the Companies do not have the ability to track, in real time, individual transfers in all Contracts, although the Companies acknowledge that they have the ability to track individual transfers in all Contracts on a next-day basis and that they have appropriate systems and controls to monitor for transfers for purposes of calculating and applying the 20 Transfer Rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) To the extent the Underwriter is able to identify transfer activity that it deems to be Abusive Transfer activity, the Underwriter agrees to notify the Companies of transfer activity that it deems to be Abusive Transfer activity. After receiving such notice, each Company agrees that it will cooperate with the Trust and Underwriter to limit Abusive Transfers to the extent permissible under the terms and conditions of Contract owner prospectuses and Contracts in effect at that time. The Trust and the Companies agree to amend this provision as mutually deemed to be necessary to reflect any applicable law changes.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) In accordance with Rule 22c-2 adopted in SEC Rel. No. IC-26782 (Mar. 11, 2005 (the "Release"), the Companies shall on and after the compliance date set forth in the Release (as such date may be modified in subsequent SEC releases) provide, upon request by the Trust or the Underwriter, identifying information contained in the Companies' records, of any particular or all Contract owners that purchased, redeemed, transferred or exchanged shares of the Fund, and the amount and dates of such purchases, redemptions, transfers and exchanges.

The Companies shall also honor any instructions from the Trust to restrict or prohibit further purchases or exchanges of Fund shares by a Contract owner who has not been identified by the Companies or the Trust as having engaged in transactions in such shares that violate the Trust's policies established for the purpose of eliminating or reducing Abusive Transfers. The Trust may offer Series and/or share classes offered through the Separate Accounts that impose redemption fees in certain circumstances ("Redemption Fee Funds"). The Companies intend to maintain required records and otherwise comply with any applicable regulation issued by the SEC or other agency relating to the assessment and collection of redemption fees by such Redemption Fee Funds, including imposing and remitting such fees to the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) In the event the Trust implements restrictions on trading, market timing policies, redemption fees or any other trading policy or procedure that is more restrictive and/or that conflicts, as determined by the Companies in its reasonable discretion, with the Companies trading policies and procedures for the Contracts, the Underwriter will bear all expenses for closing the affected Fund in the Contracts, if permitted under the terms of the Shared Funding Exemptive Order. In the event the Companies implement a trade policy or procedure that is less restrictive than the current 20 Transfer Rule, the Trust and the Underwriter shall each have the option of closing the Trust shares in the Contracts at the cost of the Companies.]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6&nbsp;&nbsp;&nbsp;&nbsp;Each Company shall purchase and redeem the shares of Authorized Funds offered by the then current prospectus of the Trust in accordance with the provisions of such prospectus.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.7&nbsp;&nbsp;&nbsp;&nbsp;Each Company shall pay for Trust shares on the next Business Day after an order to purchase Trust shares is made in accordance with the provisions of Section 1.1 hereof. Payment shall be in federal funds transmitted by wire.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.8&nbsp;&nbsp;&nbsp;&nbsp;Issuance and transfer of the Trust's shares will be by book entry only. Share certificates will not be issued to a Company or any Account. Shares ordered from the Trust will be recorded as instructed by a Company to the Underwriter in an appropriate title for each Account or the appropriate sub-account of each Account.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.9&nbsp;&nbsp;&nbsp;&nbsp;The Underwriter shall furnish prompt notice (by wire or telephone, followed by written confirmation) to each Company of the declaration of any income, dividends or capital gain distributions payable on the Trust's shares. Each Company hereby elects to receive all such income dividends and capital gain distributions as are payable on the Fund shares in additional shares of that Fund. Each Company reserves the right to revoke this election and to receive all such income dividends and capital gain distributions in cash. The Underwriter shall notify each Company of the number of shares so issued as payment of such dividends and distributions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.10&nbsp;&nbsp;&nbsp;&nbsp;The Underwriter shall make the net asset value per share for each Fund available to each Company on a daily basis as soon as reasonably practical after the Trust calculates its net asset value per share and each of the Trust and the Underwriter shall use its best efforts to make such net asset value per share available by 7:00 p.m. Eastern time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.11&nbsp;&nbsp;&nbsp;&nbsp;In the event of an error in the calculation of net asset value per share, the Underwriter shall adjust the Account balances and reimburse each Company for any losses except to the extent otherwise provided by procedures adopted by the Trustees of the Trust permitted by applicable law.

**ARTICLE II. <u>Representations and Warranties</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1&nbsp;&nbsp;&nbsp;&nbsp;Each Company represents and warrants that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)at all times during the term of this Agreement the Contracts are or will be registered under the 1933 Act or will be offered and sold in compliance with exemptions from such registration; such Contracts will be issued and sold in compliance in all material respects with all applicable laws. Such Company further represents and warrants that it is an insurance company duly organized and in good standing under applicable law and that it has legally and validly established each Account prior to any issuance or sale thereof as a separate account under applicable law and has registered or, prior to any issuance or sale of the Contracts, will register each Account as a unit investment trust in accordance with the provisions of the 1940 Act to serve as a segregated investment account for the Contracts or operate such Account in compliance with exemption from such registration; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the Contracts are currently treated as endowment, annuity or life insurance contracts, under applicable provisions of the Internal Revenue Code of 1986, as amended (the "Code"), and that it will make every effort to maintain such treatment and that it will notify the Trust and the Underwriter immediately upon having a reasonable basis for believing that the Contracts have ceased to be so treated or that they might not be so treated in the future.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2&nbsp;&nbsp;&nbsp;&nbsp;The Trust represents and warrants that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)at all times during the term of this Agreement Trust shares sold pursuant to this Agreement shall be registered under the 1933 Act, duly authorized for issuance and sold by the Trust to each Company in compliance with all applicable laws, subject to the terms of Section 2.4 below, and the Trust is and shall remain registered under the 1940 Act. The Trust shall amend the Registration Statement for its shares under the 1933 Act and the 1940 Act from time to time as required in order to effect the continuous offering of its shares. The Trust shall register and qualify the shares for sale in accordance with the laws of the various states only if and to the extent deemed advisable by the Trust or the Underwriter in connection with their sale by the Trust to a Company and only as required by Section 2.4;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) it is currently qualified as a Regulated Investment Company under Subchapter M of the Code, and that it will use its best efforts to maintain such qualification (under Subchapter M or any successor provision), and that it will notify each Company immediately upon having a reasonable basis for believing that it has ceased to so qualify or that it might not so qualify in the future;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(C) it is lawfully organized and validly existing under the laws of the Commonwealth of Massachusetts and that it does and will comply in all material respects with the 1940 Act;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) all its directors, officers, employees, and other individuals/entities who deal with the money and/or securities of the Funds are and shall continue to be at all times covered by a blanket fidelity bond or similar coverage for the benefit of the Funds in an amount not less than that required by Rule 17g-1 under the 1940 Act. The

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aforesaid bond shall include coverage for larceny and embezzlement and shall be issued by a reputable bonding company; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) it has adopted and will maintain cybersecurity measures consistent with SEC and other applicable guidelines for the protection of information regarding the separate accounts and shall notify each Company of any breach of information with respect to the separate accounts as soon as reasonably practicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3&nbsp;&nbsp;&nbsp;&nbsp; The Underwriter represents and warrants that it is a member in good standing of the FINRA and is registered as a broker-dealer with the SEC. The Underwriter further represents that it will sell and distribute the Trust shares in accordance with all applicable securities laws applicable to it, including without limitation the 1933 Act, the 1934 Act, and the 1940 Act.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.4&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any other provision of this Agreement, the Trust shall be responsible for the registration and qualification of its shares and of the Trust itself under the laws of any jurisdiction only in connection with the sales of shares directly to a Company through the Underwriter. The Trust shall not be responsible, and each Company shall take full responsibility, for determining any jurisdiction in which any qualification or registration of Trust shares or the Trust by the Trust may be required in connection with the sale of the Contracts or the indirect interest of any Contract in any shares of the Trust and advising the Trust thereof at such time and in such manner as is necessary to permit the Trust to comply.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.5&nbsp;&nbsp;&nbsp;&nbsp;The Trust makes no representation as to whether any aspect of its operations (including, but not limited to, fees and expenses and investment policies) complies with the insurance laws or regulations of the various states.

**ARTICLE III. <u>Prospectuses and Proxy Statements; Voting</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.1&nbsp;&nbsp;&nbsp;&nbsp;The Trust shall provide the Companies with as many printed copies of the current prospectus(es), statement of additional information, proxy statements, annual reports and semi annual reports of each of the Funds (and no other Funds), and any supplements or amendments to any of the foregoing, as the Companies may reasonably request. If requested by the Companies in lieu of the foregoing printed documents, the Trust shall provide such documents in the form of camera-ready film, computer diskettes or typeset electronic document files, all as the Companies may reasonably request and such other assistance as is reasonably necessary in order for the Companies to have any of the prospectus(es), statement of additional information, proxy statements, annual reports and semi annual reports of each of the Funds (and no other Funds) and any supplements or amendments or any of the foregoing, printed in combination with such documents of other fund companies' and/or such documents for the Contracts. Reasonable expenses associated with providing, printing and distributing such documents shall be paid by the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2&nbsp;&nbsp;&nbsp;&nbsp;The Trust's Prospectus shall state that the Statement of Additional Information (the "Statement") for the Trust is available from the Underwriter or its designee (or in the Trust's discretion, the Prospectus shall state that such Statement is available from the Trust), and the Underwriter (or the Trust), at its expense, shall print and provide such Statement free of charge to each Company and to any owner of a Contract or prospective owner who requests such Statement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.3&nbsp;&nbsp;&nbsp;&nbsp;The Trust, at its expense, shall provide the Companies with copies of its reports to shareholders, proxy material and other communications to shareholders in such quantity as the Companies shall reasonably require for distribution to the Contract owners, such distribution to be at the expense of the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4&nbsp;&nbsp;&nbsp;&nbsp;Each Company shall vote all Trust shares as required by law and the Shared Funding Exemptive Order. Each Company reserves the right to vote Trust shares held in any separate account in its own right, to the extent permitted by law and the Shared Funding Exemptive Order. Each Company shall be responsible for assuring that each of its separate accounts participating in the Trust calculates voting privileges in a manner consistent with all legal requirements and the Shared Funding Exemptive Order.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5&nbsp;&nbsp;&nbsp;&nbsp;The Trust will comply with all applicable provisions of the 1940 Act requiring voting by shareholders, and in particular the Trust will either provide for annual meetings or comply with Section 16(c) of the

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1940 Act (although the Trust is not one of the trusts described in Section 16(c) of that Act) as well as with Sections 16(a) and, if and when applicable, 16(b). Further, the Trust will act in accordance with the SEC's interpretation of the requirements of Section 16(a) with respect to periodic elections of trustees and with whatever rules the Commission may promulgate with respect thereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6&nbsp;&nbsp;&nbsp;&nbsp;To the extent that any of the material changes listed in the remainder of this paragraph would require a supplement to a Fund prospectus ("Supplement"), the Trust or Underwriter will provide the Companies reasonable advance notice of any such material change for a Fund in the form of such Supplement at the time it is send to the Companies for them to provide to Contract owners; such material changes are: (a) fund objective changes, (b) fund mergers/substitutions/liquidations, (c) fund name changes, and/or (d) fund adviser or sub-adviser changes. If the Trust fails to provide the Companies with the required notice, the Underwriter will reimburse the Companies for all reasonable expenses for facilitating the changes and for notifying Contract owners.

**ARTICLE IV. <u>Sales Material and Information</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.1&nbsp;&nbsp;&nbsp;&nbsp;Without limiting the scope or effect of Section 4.2 hereof, each Company shall furnish, or shall cause to be furnished, to the Underwriter each piece of sales literature or other promotional material (as defined hereafter) in which the Trust, its investment adviser or the Underwriter is named at least 10 days prior to its use. No such material shall be used if the Underwriter objects to such use within five Business Days after receipt of such material.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.2&nbsp;&nbsp;&nbsp;&nbsp;Neither Company shall give any information or make any representations or statements on behalf of the Trust or concerning the Trust in connection with the sale of the Contracts other than the information or representations contained in the registration statement or prospectus for the Trust shares, as such registration statement and prospectus may be amended or supplemented from time to time, or in annual or semi-annual reports or proxy statements for the Trust, or in sales literature or other promotional material approved by the Trust or its designee or by the Underwriter, except with the written permission of the Trust or the Underwriter or the designee of either or as is required by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.3&nbsp;&nbsp;&nbsp;&nbsp;The Underwriter or its designee shall furnish, or shall cause to be furnished, to each Company or its designee, each piece of sales literature or other promotional material prepared by the Underwriter in which a Company and/or its separate account(s) is named at least 10 days prior to its use. No such material shall be used if a Company or its designee objects to such use within five Business Days after receipt of such material.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.4&nbsp;&nbsp;&nbsp;&nbsp;Neither the Trust nor the Underwriter shall give any information or make any representations on behalf of a Company or concerning such Company, each Account, or the Contracts other than the information or representations contained in a registration statement or prospectus for the Contracts, as such registration statement and prospectus may be amended or supplemented from time to time, or in published reports for each Account which are in the public domain or approved by a Company for distribution to Contract owners, or in sales literature or other promotional material approved by a Company or its designee, except with the written permission of such Company or as is required by law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.5&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this Article IV, the phrase "sales literature or other promotional material" includes, but is not limited to, advertisements (such as material published, or designed for use in, a newspaper, magazine, or other periodical, radio, television, telephone or tape recording, videotape display, signs or billboards, motion pictures, or other public media), sales literature (i.e. any written communication distributed or made generally available to customers or the public, including brochures, circulars, research reports, market letters, form letters, seminar texts, reprints or excerpts of any other advertisement, sales literature, or published article), educational or training materials or other communications distributed or made generally available to some or all agents, registered representatives or employees, registration statements, prospectuses, statements of additional information, shareholder reports and proxy materials, and any other material constituting sales literature or advertising under the FINRA rules, the 1940 Act or the 1933 Act.

**ARTICLE V. <u>Fees and Expenses</u>**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1&nbsp;&nbsp;&nbsp;&nbsp;Except as provided in this Article V and Article VI, the Trust and Underwriter shall pay no fee or other compensation to the Companies under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2&nbsp;&nbsp;&nbsp;&nbsp;All expenses incident to performance by each party of its respective duties under this Agreement shall be paid by that party. The Trust shall bear the expenses for the cost of registration and qualification of the Trust's shares, preparation and filing of the Trust's prospectus and registration statement, proxy materials and reports, setting the prospectus and shareholder reports in type, setting in type and printing the proxy materials, and the preparation of all statements and notices required by any federal or state law, in each case as may reasonably be necessary for the performance by it of its obligations under this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3&nbsp;&nbsp;&nbsp;&nbsp;The Company shall bear the expenses of printing and distributing the prospectuses in connection with sales of the Contracts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.4&nbsp;&nbsp;&nbsp;&nbsp;The Parties agree that additional fees or other compensation payable between the parties may be covered under a separate Marketing and Administrative Support Services Agreement.

**Article VI. <u>Service Fees</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.1&nbsp;&nbsp;&nbsp;&nbsp;So long as each Company complies with its obligations in this Article VI, the Underwriter shall pay such Company a service fee (the "Service Fee") on shares of the Funds held in the Accounts at the annual rates specified in Schedule B (excluding any accounts for such Company's own corporate retirement plans), subject to Section 6.2 hereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.2&nbsp;&nbsp;&nbsp;&nbsp;Each Company understands and agrees that all Service Fee payments are subject to the limitation contained in each Fund's Distribution Plan, which may be varied or discontinued at any time and hereby waives the right to receive such Service Fee payments with respect to a Fund if such Fund ceases to pay 12b-1 fees to the Underwriter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.3 &nbsp;&nbsp;&nbsp;&nbsp;(a) A Company's failure to provide the services described in Section 6.4 or otherwise comply with the terms of this Agreement will render it ineligible to receive Service Fees; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) the Underwriter may, without the consent of the Companies amend this Article VI to change the terms of the Service Fee payments with prior written notice to the Company.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.4&nbsp;&nbsp;&nbsp;&nbsp;Each Company receiving Service Fees will provide the following services to the Contract Owners purchasing Fund shares:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)Maintaining regular contact with Contract owners and assisting in answering inquiries concerning the Funds;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;&nbsp;&nbsp;Assisting in printing and distributing shareholder reports, prospectuses and other sale and service literature provided by the Underwriter;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) Assisting the Underwriter and its affiliates in the establishment and maintenance of shareholder accounts and records;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv) Assisting Contract owners in effecting administrative changes, such as exchanging shares in or out of the Funds;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(v) Assisting in processing purchase and redemption transactions; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(vi) Providing any other information or services as the Contract owners or the Underwriter may reasonably request.

Each Company will support the Underwriter's marketing efforts by granting reasonable requests for visits to such Company's offices by representatives of the Underwriter.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.5 &nbsp;&nbsp;&nbsp;&nbsp;Each Company's compliance requirement set forth in this Agreement will be evaluated from time to time by monitoring redemption levels of Fund shares held in any Account and by such other methods as the Underwriter deems appropriate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.6&nbsp;&nbsp;&nbsp;&nbsp;The provisions of this Article VI shall remain in effect for not more than one year from the date hereof and thereafter for successive annual periods only so long as such continuance is specifically approved at least annually by the Trustees in conformity with Rule 12b-1. This Agreement shall automatically terminate in the event of its assignment (as defined by the 1940 Act). In addition, this Article VI may be terminated at any time, without the payment of any penalty, with respect to any Fund or the Trust as a whole by any party upon written notice delivered or mailed by registered mail, postage prepaid, to the other party, or, as provided in Rule 12b-1 under the 1940 Act by the Trustees or by the vote of the holders of the outstanding voting securities of any Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.7&nbsp;&nbsp;&nbsp;&nbsp;The Underwriter shall provide the Trustees of each of the Funds, and such Trustees shall review at least quarterly, a written report of the amounts paid to the Companies under this Article VI and the purposes for which such expenditures were made.

**ARTICLE VII. <u>Diversificatio</u>n**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.1&nbsp;&nbsp;&nbsp;&nbsp;The Trust shall use its best efforts to cause each Authorized Fund to maintain a diversified pool of investments that would, if such Fund were a segregated asset account, satisfy the diversification provisions of (i) Treasury Regulation § 1.817-5 and (ii) Section 817(h) of the Code. The Trust shall notify the Companies immediately upon having reasonable basis for believing any Authorized Fund has ceased to comply or might not comply and will immediately take all reasonable steps to adequately diversity the Authorized Funds to achieve compliance. Upon request, the Authorized Funds shall provide the Companies a certification of their compliance with Section 817(h) of the Code and Treasury Regulation 1.817- 5 within thirty (30) days of the end of each calendar quarter.

**ARTICLE VIII. <u>Potential Conflicts</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.1&nbsp;&nbsp;&nbsp;&nbsp;The Trustees will monitor the Trust for the existence of any material irreconcilable conflict between the interests of the contract owners of all separate accounts investing in the Trust. A material irreconcilable conflict may arise for a variety of reasons, including: (a) an action by any state insurance regulatory authority; (b) a change in applicable federal or state insurance, tax, or securities law or regulations, or a public ruling, private letter ruling, no-action or interpretative letter, or any similar action by insurance, tax, or securities regulatory authorities; (c) an administrative or judicial decision in any relevant proceeding; (d) the manner in which the investments of any Fund are being managed; (e) a difference in voting instructions given by variable annuity contract and variable life insurance contract owners; or (f) a decision by an insurer to disregard the voting instructions of contract owners. The Trust shall promptly inform each Company if the Trustees determine that a material irreconcilable conflict exists and the implications thereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.2&nbsp;&nbsp;&nbsp;&nbsp;Each Company will report any potential or existing conflicts of which it is aware to the Trustees. Each Company will assist the Trustees in carrying out their responsibilities under the Shared Funding Exemptive Order by providing the Trustees with all information reasonably necessary for the Trustees to consider any issues raised. This includes, but is not limited to, an obligation by a Company to inform the Trustees whenever Contract owner voting instructions are disregarded.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.3&nbsp;&nbsp;&nbsp;&nbsp;If it is determined by a majority of the Trustees, or a majority of the disinterested Trustees, that a material irreconcilable conflict exists, each affected Company shall to the extent reasonably practicable (as determined by a majority of the disinterested Trustees), take, at such Company's expense, whatever steps are necessary to remedy or eliminate the material irreconcilable conflict, up to and including: (1) withdrawing the assets allocable to some or all of the separate accounts from the Trust or any Fund and reinvesting such assets in a different investment medium, including (but not limited to) another Fund, or submitting the question whether such segregation should be implemented to a vote of all affected contract owners and, as appropriate, segregating the

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assets of any appropriate group (i.e., annuity contract owners, life insurance contract owners, or variable contract as define in Section 817 of the Code owners of one or more Participating Insurance Companies) that votes in favor of such segregation, or offering to the affected contract owners the option of making such a change; and (2) establishing a new registered management investment company or managed separate account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.4&nbsp;&nbsp;&nbsp;&nbsp;If a material irreconcilable conflict arises because of a decision by a Company to disregard Contract owner voting instructions and that decision represents a minority position or would preclude a majority vote, such Company may be required, at the Trust's election, to withdraw the affected Account's investment in one or more portfolios of the Trust and terminate this Agreement with respect to such Account; provided, however, that such withdrawal and termination shall be limited to the extent required by the foregoing material irreconcilable conflict as determined by a majority of the disinterested Trustees. No charge or penalty shall be imposed as a result of such withdrawal. Any such withdrawal and termination must take place within six (6) months after the Trust gives written notice that this provision is being implemented, and until the end of that six month period the Underwriter and Trust shall, to the extent permitted by law and any exemptive relief previously granted to the Trust, continue to accept and implement orders by such Company for the purchase (or redemption) of shares of the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.5&nbsp;&nbsp;&nbsp;&nbsp;If a material irreconcilable conflict arises because of a particular state insurance regulator's decision applicable to a Company to disregard Contract owner voting instructions and that decision represents a minority position that would preclude a majority vote, then such Company may be required, at the Trust's direction, to withdraw the affected Account's investment in one or more Authorized Funds of the Trust; provided, however, that such withdrawal and termination shall be limited to the extent required by the foregoing material irreconcilable conflict as determined by a majority of the disinterested Trustees. Any such withdrawal and termination must take place within six (6) months after the Trust gives written notice that this provision is being implemented, unless a shorter period is required by law, and until the end of the foregoing six month period (or such shorter period if required by law), the Underwriter and Trust shall, to the extent permitted by law and any exemptive relief previously granted to the Trust, continue to accept and implement orders by the Companies for the purchase (and redemption) of shares of the Trust. No charge or penalty will be imposed as a result of such withdrawal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.6&nbsp;&nbsp;&nbsp;&nbsp;For purposes of Sections 8.3 through 8.6 of this Agreement, a majority of the disinterested Trustees shall determine whether any proposed action adequately remedies any material irreconcilable conflict. Neither the Trust nor the Underwriter shall be required to establish a new funding medium for the Contracts, nor shall a Company be required to do so, if an offer to do so has been declined by vote of a majority of Contract owners materially adversely affected by the material irreconcilable conflict. In the event that the Trustees determine that any proposed action does not adequately remedy any material irreconcilable conflict, then the affected Company will withdraw the Account's investment in one or more Authorized Funds of the Trust and terminate this Agreement within six (6) months (or such shorter period as may be required by law or any exemptive relief previously granted to the Trust) after the Trustees inform such Company in writing of the foregoing determination; provided, however, that such withdrawal and termination shall be limited to the extent required by any such material irreconcilable conflict as determined by a majority of the disinterested Trustees. No charge or penalty will be imposed as a result of such withdrawal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.7&nbsp;&nbsp;&nbsp;&nbsp;The responsibility to take remedial action in the event of the Trustees' determination of a material irreconcilable conflict and to bear the cost of such remedial action shall be the obligation of each Company, and the obligation of such Company set forth in this Article VIII shall be carried out with a view only to the interests of Contract owners.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.8&nbsp;&nbsp;&nbsp;&nbsp;If and to the extent that Rule 6e-2 and Rule 6e-3(T) are amended, or Rule 6e-3 is adopted, to provide exemptive relief from any provision of the 1940 Act or the rules promulgated thereunder with respect to mixed or shared funding (as defined in the Shared Funding Exemptive Order) on terms and conditions materially different from those contained in the Shared Funding Exemptive Order, then (a) the Trust and/or the Companies, as appropriate, shall take such steps as may be necessary to comply with Rules 6e-2 and 6e-3(T), as amended, and Rule 6e-3, as adopted, to the extent such rules are applicable; and (b) Sections 3.4, 3.5, 8.1, 8.2, 8.3, 8.4 and 8.5 of this Agreement shall continue in effect only to the extent that terms and conditions substantially identical to such Sections are contained in such Rule(s) as so amended or adopted.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.9&nbsp;&nbsp;&nbsp;&nbsp;Each Company has reviewed the Shared Funding Exemption Order and hereby assumes all obligations referred to therein which are required, including, without limitation, the obligation to provide reports, material or data as the Trustees may request as conditions to such Order, to be assumed or undertaken by such Company.

**ARTICLE IX. <u>Indemnification</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.1&nbsp;&nbsp;&nbsp;&nbsp;<u>Indemnification by the Company</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.1&nbsp;&nbsp;&nbsp;&nbsp;(a) Each Company shall indemnify and hold harmless the Trust and the Underwriter and each of the Trustees, directors of the Underwriter, officers, employees or agents of the Trust or the Underwriter and each person, if any, who controls the Trust or the Underwriter within the meaning of Section 15 of the 1933 Act (collectively, the "Indemnified Parties" for purposes of this Section 9.1) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of such Company which consent shall not be unreasonably withheld) or litigation (including reasonable legal and other expenses), to which the Indemnified Parties may become subject under any statute, regulation, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale or acquisition of the Trust's shares or the Contracts or the performance by the parties of their obligations hereunder and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) arise out of or are based upon any untrue statements or alleged untrue statements of any material fact contained in a Registration Statement, Prospectus or Statement of Additional Information or, in the case of Contracts not registered under the 1933 Act, private placement memoranda or similar offering documents, for the Contracts issued by a Company or contained in the Contracts or sales literature for the Contracts (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, provided that this agreement to indemnify shall not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to such Company by or on behalf of the Trust for use in the Registration Statement, Prospectus or Statement of Additional Information for the Contracts or in the Contracts or sales literature (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) arise out of or as a result of written statements or representations (other than statements or representations contained in the Trust's Registration Statement or Prospectus, or in sales literature for Trust shares not supplied by such Company, or persons under its control) or unlawful conduct of the Companies or persons under their control, with respect to the sale or distribution of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) arise out of any untrue statement or alleged untrue statement of a material fact contained in a Registration Statement, Prospectus, or sales literature of the Trust or any amendment thereof or supplement thereto or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading if such a statement or omission was made in reliance upon information furnished to the Trust or the Underwriter by or on behalf of such Company; or

arise out of or result from any breach of any representation and/or warranty made by such Company in this Agreement or arise out of or result from any other breach of this Agreement by the Company, as limited by and in accordance with the provisions of Sections 9.1(b) and 9.1(c) hereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.1&nbsp;&nbsp;&nbsp;&nbsp; (b) A Company shall not be liable under this indemnification provision with respect to any losses, claims, damages, liabilities or litigation incurred or assessed against an Indemnified Party to the extent such may arise from such Indemnified Party's willful misfeasance, bad faith, or gross negligence in the performance of such Indemnified Party's duties or by reason of such Indemnified Party's reckless disregard of obligations or duties under this Agreement or to the Trust, whichever is applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.1&nbsp;&nbsp;&nbsp;&nbsp;(c) A Company shall not be liable under this indemnification provision with respect to any claim made against an Indemnified Party unless such Indemnified Party shall have notified such Company in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim

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shall have been served upon such Indemnified Party (or after such Indemnified Party shall have received notice of such service on any designated agent), on the basis of which the Indemnified Party should reasonably know of the availability of indemnity hereunder in respect of such claim but failure to notify a Company of any such claim shall not relieve such Company from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of this indemnification provision. In case any such action is brought against the Indemnified Parties, such Company shall be entitled to participate, at its own expense, in the defense of such action. A Company also shall be entitled to assume the defense thereof, with counsel satisfactory to the Indemnified Party named in the action. After notice from such Company to such Indemnified Party of the Company's election to assume the defense thereof the Indemnified Party shall bear the fees and expenses of any additional counsel retained by it, and such Company will not be liable to such Indemnified Party under this Agreement for any legal or other expenses subsequently incurred by such Indemnified Party independently in connection with the defense thereof other than reasonable costs of investigation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.1 (d) The Underwriter shall promptly notify the Companies of the commencement of any litigation or proceedings against the Trust or the Underwriter in connection with the issuance or sale of the Trust Shares or the Contracts or the operation of the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.1 (e) The provisions of this Section 9.1 shall survive any termination of this Agreement.

9<u>.2 Indemnification by the Underwriter</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.2&nbsp;&nbsp;&nbsp;&nbsp;(a) The Underwriter shall indemnify and hold harmless each Company and each person, if any, who controls such Company within the meaning of Section 15 of the 1933 Act and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 9.2) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Underwriter which consent shall not be unreasonably withheld) or litigation (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the sale or acquisition of the Trust's shares or the Contracts or the performance by the parties of their obligations hereunder and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in the sales literature of the Trust prepared by or approved by the Trust or Underwriter (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, provided that this agreement to indemnify shall not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Underwriter or Trust by or on behalf of a Company for use in sales literature (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;&nbsp;&nbsp;arise out of or as a result of written statements or representations (other than statements or representations contained in the Registration Statement, Prospectus, Statement of Additional Information or sales literature for the Contracts not supplied by the Underwriter or persons under its control) made by, or unlawful conduct of, the Underwriter or persons under its control, with respect to the sale or distribution of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) &nbsp;&nbsp;&nbsp;&nbsp;arise out of any untrue statement or alleged untrue statement of a material fact contained in a Registration Statement, Prospectus, Statement of Additional Information or sales literature covering the Contracts, or any amendment thereof or supplement thereto, or the omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statement or statements therein not misleading, if such statement or omission was made in reliance upon information furnished to a Company by or on behalf of the Underwriter; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iv)&nbsp;&nbsp;&nbsp;&nbsp;arise out of or result from any breach of any representation and/or warranty made by the Underwriter in this Agreement or arise out of or result from any other breach of this Agreement by the Underwriter; as limited by and in accordance with the provisions of Sections 9.2(b) and 9.2(c) hereof.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.2&nbsp;&nbsp;&nbsp;&nbsp;(b) The Underwriter shall not be liable under this indemnification provision with respect to any losses, claims, damages, liabilities or litigation incurred or assessed against an Indemnified Party as such may arise from such Indemnified Party's willful misfeasance, bad faith, or gross negligence in the performance of such Indemnified Party's duties or by reason of such Indemnified Party's reckless disregard of obligations and duties under this Agreement or to each Company or the Account, whichever is applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.2&nbsp;&nbsp;&nbsp;&nbsp;(c) The Underwriter shall not be liable under this indemnification provision with respect to any claim made against an Indemnified Party unless such Indemnified Party shall have notified the Underwriter in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim shall have been served upon such Indemnified Party (or after such Indemnified Party shall have received notice of such service on any designated agent) on the basis of which the Indemnified Party should reasonably know of the availability of indemnity hereunder in respect of such claim, but failure to notify the Underwriter of any such claim shall not relieve the Underwriter from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of this indemnification provision. In case any such action is brought against the Indemnified Parties, the Underwriter will be entitled to participate, at its own expense, in the defense thereof. The Underwriter also shall be entitled to assume the defense thereof, with counsel satisfactory to the Indemnified Party named in the action. After notice from the Underwriter to such Indemnified Party of the Underwriter's election to assume the defense thereof, the Indemnified Party shall bear the fees and expenses of any additional counsel retained by it, and the Underwriter will not be liable to such Indemnified Party under this Agreement for any legal or other expenses subsequently incurred by such Indemnified Party independently in connection with the defense thereof other than reasonable costs of investigation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.2&nbsp;&nbsp;&nbsp;&nbsp;(d) A Company shall promptly notify the Underwriter of the Trust of the commencement of any litigation or proceedings against it or any of its officers or directors, in connection with the issuance or sale of the Contracts or the operation of each Account.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.2&nbsp;&nbsp;&nbsp;&nbsp;(e) The provisions of this Section 9.2 shall survive any termination of this Agreement.

9<u>.3&nbsp;&nbsp;&nbsp;&nbsp;Indemnification by the Trust</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.3&nbsp;&nbsp;&nbsp;&nbsp;(a) The Trust shall indemnify and hold harmless the Companies, and each person, if any, who controls the Companies within the meaning of Section 15 of the 1933 Act and any director, officer, employee or agent of the foregoing (collectively, the "Indemnified Parties" for purposes of this Section 9.3) against any and all losses, claims, damages, liabilities (including amounts paid in settlement with the written consent of the Trust which consent shall not be unreasonably withheld) or litigation (including reasonable legal and other expenses) to which the Indemnified Parties may become subject under any statute, at common law or otherwise, insofar as such losses, claims, damages, liabilities or expenses (or actions in respect thereof) or settlements are related to the operations of the Trust and:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;&nbsp;&nbsp;&nbsp;arise out of or are based upon any untrue statement or alleged untrue statement of any material fact contained in a Registration Statement, Prospectus and Statement of Additional Information of the Trust (or any amendment or supplement to any of the foregoing), or arise out of or are based upon the omission or the alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, provided that this agreement to indemnify shall not apply as to any Indemnified Party if such statement or omission or such alleged statement or omission was made in reliance upon and in conformity with information furnished to the Underwriter or Trust by or on behalf of the Companies for use in the Registration Statement, Prospectus, or Statement of Additional Information for the Trust (or any amendment or supplement) or otherwise for use in connection with the sale of the Contracts or Trust shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii)&nbsp;&nbsp;&nbsp;&nbsp;arise out of or result from any material breach of any representation and/or warranty made by the Trust in this Agreement or arise out of or result from any other material breach of this Agreement by the Trust, as limited by and in accordance with the provisions of Sections 9.3(b) and 9.3(c) hereof.

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9.3 &nbsp;&nbsp;&nbsp;&nbsp;(b) The Trust shall not be liable under the indemnification provision with respect to any losses, claims, damages, liabilities or litigation incurred or assessed against an Indemnified Party as such may aride from such Indemnified Party's willful misfeasance, bad faith, or gross negligence or by reason of such Indemnified Party's reckless disregard of obligations and duties under this Agreement or to the Companies, the Trust, the Underwriter or each Account, whichever is applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.3&nbsp;&nbsp;&nbsp;&nbsp;(c) The Trust shall not be liable under this indemnification provision with respect to any claim made against any Indemnified Party unless such Indemnified Party shall have notified the Trust in writing within a reasonable time after the summons or other first legal process giving information of the nature of the claim shall have been served upon such Indemnified Party (or after such Indemnified Party shall have received notice of such service on any designated agent) on the basis of which the Indemnified Party should reasonably know of the availability of indemnity hereunder in respect of such claim, but failure to notify the Trust of any such claim shall not relieve the Trust from any liability which it may have to the Indemnified Party against whom such action is brought otherwise than on account of this indemnification provision. In case any such action is brought against the Indemnified Parties, the Trust will be entitled to participate, at its own expense, in the defense thereof. The Trust also shall be entitled to assume the defense thereof, with counsel reasonably satisfactory to the Indemnified Party named in the action. After notice from the Trust to such Indemnified Party of the Trust's election to assume the defense thereof, the Indemnified Party shall bear the fees and expenses of any additional counsel retained by it, and the Trust will not be liable to such Indemnified Party under this Agreement for any legal or other expenses subsequently incurred by such Indemnified Party independently in connection with the defense thereof other than reasonable costs of investigation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.3&nbsp;&nbsp;&nbsp;&nbsp;(d) Each Company agrees promptly to notify the Trust of the commencement of any litigation or proceedings against it or any of its officers or, directors, in connection with this Agreement, the issuance or sale of the Contracts or the sale or acquisition of shares of the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.3&nbsp;&nbsp;&nbsp;&nbsp;(e) The provisions of this Section 9.3 shall survive any termination of this Agreement.

**ARTICLE X. <u>Applicable Law</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.1&nbsp;&nbsp;&nbsp;&nbsp;This Agreement shall be construed and the provisions hereof interpreted under and in accordance with the laws of State of New Jersey.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.2&nbsp;&nbsp;&nbsp;&nbsp;This Agreement shall be subject to the provisions of the 1933, 1934 and 1940 Acts, and the rules and regulations and rulings thereunder, including such exemptions from those statutes, rules and regulations as the SEC may grant (including, but not limited to, the Shared Funding Exemptive Order) and the terms hereof shall be interpreted and construed in accordance therewith.

**ARTICLE XI. <u>Termination</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.1&nbsp;&nbsp;&nbsp;&nbsp;This Agreement shall terminate:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)at the option of any party upon 90 days advance written notice to the other parties; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;at the option of the Trust or the Underwriter in the event that formal administrative proceedings are instituted against a Company by the FINRA, the SEC, the Insurance Commissioner of any state or any other regulatory body regarding such Company's duties under this Agreement or related to the sales of the Contracts, with respect to the operation of any Account, or the purchase of the Trust shares, provided, however, that the Trust or the Underwriter determines in its sole judgment, exercised in good faith, that any such administrative proceedings will have a material adverse effect upon the ability of such Company to perform its obligations under this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;&nbsp;&nbsp;at the option of a Company in the event that formal administrative proceedings are instituted against the Trust or Underwriter by the FINRA, the SEC, or any state securities or insurance department or any other regulatory body in respect of the sale of shares of the Trust to such Company, provided, however, that such Company determines in its sole judgment, exercised in good faith, that any such administrative proceedings will have a material adverse effect upon the ability of the Trust or Underwriter to perform its obligations under this Agreement; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;&nbsp;&nbsp;&nbsp;with respect to any Account, upon requisite vote of the Contract owners having an interest in such Account (or any subaccount) to substitute the shares of another investment company for the corresponding Fund shares of the Trust in accordance with the terms of the Contracts for which those Fund shares had been selected to

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serve as the underlying investment media. A Company will give 30 days' prior written notice to the Trust of the date of any proposed vote to replace the Trust's shares; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e)&nbsp;&nbsp;&nbsp;&nbsp;with respect to any Authorized Fund, upon 30 days advance written notice from the Underwriter to a Company, upon a decision by the Underwriter to cease offering shares of the Fund for sale.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.2&nbsp;&nbsp;&nbsp;&nbsp;It is understood and agreed that the right of any party hereto to terminate this Agreement pursuant to Section 11.1 may be exercised for any reason or for no reason.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.3&nbsp;&nbsp;&nbsp;&nbsp;No termination of this Agreement shall be effective unless and until the party terminating this Agreement gives prior written notice to all other parties to this Agreement of its intent to terminate, which notice shall set forth the basis for such termination. Such prior written notice shall be given in advance of the effective date of termination as required by this Article XI.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.4&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any termination of this Agreement, subject to Section 1.2 of this Agreement, the Trust and the Underwriter shall, at the option of the Companies, continue to make available additional shares of the Trust pursuant to the terms and conditions of this Agreement, for all Contracts in effect on the effective date of termination of this Agreement (hereinafter referred to as "Existing Contracts"). Specifically, without limitation, subject to Section 1.2 of this Agreement, the owners of the Existing Contracts shall be permitted to reallocate investments in the Trust, redeem investments in the Trust and/or invest in the Trust upon the making of additional purchase payments under the Existing Contracts. The parties agree that this Section 11.4 shall not apply to any termination under Article VIII and the effect of such Article VIII termination shall be governed by Article VIII of this Agreement. The provisions of this Section 11.4 and the provisions of Section 1.2 shall survive termination of this Agreement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.5&nbsp;&nbsp;&nbsp;&nbsp;The Company shall not redeem Trust shares attributable to the Contracts (as opposed to Trust shares attributable to the Company's assets held in either Account) except (i) as necessary to implement Contract owner initiated transactions, or (ii) as required by state and/or federal laws or regulations or judicial or other legal precedent of general application (hereinafter referred to as a "Legally required Redemption").Furthermore, except in cases where permitted under the terms of the Contracts, subject to Section 1.2 of this Agreement, the Company shall not prevent Contract owners from allocating payments to an Authorized Fund that was otherwise available under the Contracts without first giving the Trust or the Underwriter 90 days notice of its intention to do.

**ARTICLE XII. <u>Notices</u>**

Any notice shall be sufficiently given when sent by registered or certified mail to the other party at the address of such party set forth below or at such other address as such party may from time to time specify in writing to the other party.

If to the Trust:

Putnam Variable Trust

One Post Office Square

Boston, MA 02109

Attention: Legal Counsel

If to the Underwriter:

Franklin Distributors, LLC

100 First Stamford Place, 5<sup>th</sup> Floor Stamford, CT 06902

Attention: Intermediary Client Onboarding

If to a Company:

Pruco Life Insurance Company

213 Washington St., NJ-02-07

Newark, NJ 07102

Attention: General Counsel

Pruco Life Insurance Company of New Jersey

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213 Washington St., NJ-02-07

Newark, NJ 07102

Attention: General Counsel

**ARTICLE XIII. <u>Miscellaneous</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.1&nbsp;&nbsp;&nbsp;&nbsp;A copy of the Agreement and Declaration of Trust of the Trust is on file with the Secretary of State of the Commonwealth of Massachusetts, and notice is hereby given that this instrument is executed on behalf of the Trustees of the Trust as Trustees and not individually and that the obligations of or arising out of this instrument, including without limitation Article VIII, are not binding upon any of the Trustees or shareholders individually but binding only upon the assets and property of the Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.2&nbsp;&nbsp;&nbsp;&nbsp;The captions in this Agreement are included for convenience of reference only and in no way define or delineate any of the provisions hereof or otherwise affect their construction or effect.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.3&nbsp;&nbsp;&nbsp;&nbsp;This Agreement may be executed simultaneously in two or more counterparts, each of which taken together shall constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.4&nbsp;&nbsp;&nbsp;&nbsp;If any provision of this Agreement shall be held or made invalid by a court decision, statute, rule or otherwise, the remainder of the Agreement shall not be affected thereby.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.5&nbsp;&nbsp;&nbsp;&nbsp;Each party hereto shall cooperate with each other party and all appropriate governmental authorities (including without limitation the SEC, the FINRA and state insurance regulators) and shall permit such authorities reasonable access to its books and records in connection with any investigation or inquiry relating to this Agreement or the transactions contemplated hereby.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.6&nbsp;&nbsp;&nbsp;&nbsp;The rights, remedies and obligations contained in this Agreement are cumulative and are in addition to any and all rights, remedies and obligations, at law or in equity, which the parties hereto are entitled to under state and federal laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.7&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any other provision of this Agreement, the obligations of the Trust and the Underwriter are several and, without limiting in any way the generality of the foregoing, neither such party shall have any liability for any action or failure to act by the other party, or any person acting on such other party's behalf.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.8&nbsp;&nbsp;&nbsp;&nbsp;No party may assign its rights or obligations under this Agreement without the consent of the other parties hereto. Any such assignment made without such consent shall be null and void.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.9&nbsp;&nbsp;&nbsp;&nbsp;Each party will treat as confidential any and all "Nonpublic Personal Financial Information" and any "Fund Information" and all information reasonably expected to be treated as confidential (collectively, "Confidential Information") and not release any Confidential Information unless (a) the other party provides written consent to do so; (b) a party is requested or compelled to do so by court order, subpoena or comparable request issued by any governmental agency, regulator or other competent authority; or (c) permitted by applicable law. Each party shall safeguard Confidential Information as required by applicable law and provide reasonable confirmation upon request. As used above, (i) "Nonpublic Personal Financial Information" shall refer to personally identifiable financial information about any prospective or then existing customer of the Companies including customer lists, names, addresses, account numbers and any other data provided by customers to the Companies in connection with the purchase or maintenance of a product or service that is not Publicly Available; (ii) or any other information whatsoever with respect to a Fund that is not publicly available; and (iii) "Publicly Available" shall mean any information that the disclosing party has a reasonable basis to believe is lawfully made available to the general public from federal, state or local government records, widely distributed media or disclosures made to the general public that are required by federal, state or local law.

IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be executed in its name and on its behalf by its duly authorized representative and its seal to be hereunder affixed hereto as of the date specified below.

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PRUCO LIFE INSURANCE COMPANY

By its authorized officer,

PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY

By its authorized officer,

PUTNAM VARIABLE TRUST

By its authorized officer,

FRANKLIN DISTRIBUTORS, LLC

By its authorized officer,

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**SCHEDULE A**

Separate Accounts

<u>Name of Separate Account</u>

Pruco Life of New Jersey Variable Appreciable Account Pruco Life Variable Universal Account

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**SCHEDULE B**

Authorized Fund(s) and Service Fee(s)

<u>Authorized Fund(s)</u> Share Class <u>Service (12b-1) Fees</u>

All Putnam Variable Trust Funds IB 0.25% per annum

## Ex-99.H

**RULE 22c-2 AGREEMENT**

This Rule 22c-2 Agreement dated May 1, 2025 is entered into by and among Putnam Investor Services, Inc. ("PSERV"), transfer agent, dividend-disbursing agent and shareholder servicing agent for the Putnam Variable Trust ("Fund"), Franklin Distributors, LLC ("FDLLC"), underwriter and distributor of the Fund, Pruco Life Insurance Company, and Pruco Life Insurance Company of New Jersey (each an "Intermediary", and collectively "Intermediaries").

WHEREAS, Fund, FDLLC and Intermediaries have entered into a Participation Agreement (the "Existing Agreement"), dated May 1, 2025, pursuant to which Intermediaries purchase shares in the Fund on behalf of variable annuity and variable life insurance separate accounts ("separate accounts") to be offered as investment options within variable life and/or variable annuity contracts ("Contracts");

WHEREAS, FDLLC, PSERV and each Intermediary desire to enter into this Rule 22c-2 Agreement ("22c-2 Agreement") in compliance with SEC Rule 22c-2 of the Investment Company Act of 1940, as amended, (the "Investment Company Act"), which shall supplement the terms of the Existing Agreement.

NOW THEREFORE, in consideration of the promises herein, PSERV, FDLLC and each Intermediary agrees as follows:

I.**Agreement to Provide Information**. Each Intermediary agrees to provide the Fund, PSERV and/or FDLLC, upon written request from any of them, the taxpayer identification number ("TIN"), or in the case of non-U.S. Shareholders, if the TIN is unavailable, the Individual/International Taxpayer Identification Number ("ITIN"), or other government- issued identifier ("GII"), the specific individual Contract owner number or participant account number associated with the Shareholder, if known, associated with Shareholder, of any or all Shareholder(s) holding or owning Shares through an account with an Intermediary and the amount, date and transaction type (purchase, redemption, transfer, or exchange), for each such Shareholder, of every purchase, redemption, transfer, or exchange of Shares during the period covered by the request. Unless otherwise specifically requested by the Fund, PSERV and/or FDLLC, Each Intermediary shall only be required to provide shareholder information relating to Shareholder-Initiated Transfer Purchases and/or Shareholder-Initiated Transfer Redemptions. The foregoing information shall be collectively referred to herein as the "Shareholder Information."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.**&nbsp;&nbsp;&nbsp;&nbsp;Period Covered by Request**. Requests shall set forth the specific period, not more than 90 days from the date of the request, for which Shareholder Information is sought. Notwithstanding the foregoing, the Fund, PSERV and/or FDLLC may request Shareholder Information older than 90 days from the date of the request as deemed necessary to investigate compliance with policies established from time to time by the Fund for the purpose of eliminating or reducing any dilution of the value of the outstanding shares issued by the Fund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **&nbsp;&nbsp;&nbsp;&nbsp;Form and Timing of Response**. Each Intermediary agrees to provide promptly, after receipt of a good order request in writing of the Fund, PSERV and/or FDLLC, in a form that is mutually agreed upon by the parties, the Shareholder Information that is on its books and records.

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c**.&nbsp;&nbsp;&nbsp;&nbsp;Indirect Intermediaries**. <u>Upon reasonable written request from</u> the Fund, PSERV and/or FDLLC, Each Intermediary agrees to use best efforts to determine promptly whether any specific person about whom the Fund, PSERV and/or FDLLC has received Shareholder Information is itself a financial intermediary (an "indirect intermediary," within the meaning of SEC Rule 22c-2 of the Investment Company Act). If such person is determined to be an indirect intermediary, then, upon further reasonable written request of the Fund, PSERV and/or FDLLC, Each Intermediary agrees promptly to either: (i) obtain from the indirect intermediary, and transmit to the Fund, PSERV and/or FDLLC, the Shareholder Information with respect to each Shareholder for whom Shares were purchased, redeemed, transferred or exchanged through an account maintained by the indirect intermediary during the period covered by the request; (ii) arrange for the indirect intermediary to promptly provide such Shareholder information to the Fund, PSERV and/or FDLLC or (iii) restrict or prohibit the indirect intermediary from purchasing, in nominee name on behalf of other persons, securities issued by the Fund.. Each Intermediary additionally agrees to inform the Fund, PSERV and/or FDLLC whether it plans to perform (i), (ii) or (iii). Responses required by this paragraph must be communicated in writing and in a format mutually agreed upon by the parties. To the extent practicable, the format for any transaction information provided to the Fund, PSERV and/or FDLLC should be consistent with the NSCC Standardized Data Reporting Format.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d.**&nbsp;&nbsp;&nbsp;&nbsp;L**i**mitations on Use of Information**. PSERV and FDLLC shall not use the information received from any Intermediary or an indirect intermediary for any purpose other than as necessary to comply with this 22c-2 Agreement and the provisions of SEC Rule 22c-2 or to fulfill other regulatory or legal requirements subject to the privacy provisions of Title V of the Gramm-Leach-Bliley Act (Public Law 106-102) and comparable state laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;II.**Agreement to Restrict Trading**. Each Intermediary agrees to execute written instructions from the Fund, PSERV and/or FDLLC to restrict or prohibit further purchases or exchanges of Shares by a Shareholder that has been identified by the Fund, PSERV and/or FDLLC as having engaged in transactions in Shares (directly or indirectly through an Intermediary's separate account) that violate policies established by the Fund for the purpose of eliminating or reducing any dilution of the value of the outstanding shares issued by the Fund, provided that, to the extent permitted under SEC Rule 22c-2, each Intermediary shall only be required to give effect to instructions that are reasonable. Unless otherwise directed by the Fund, PSERV and/or FDLLC, any such restrictions and/or prohibitions shall only apply to Shareholder-Initiated Transfer Purchases and/or Shareholder-Initiated Transfer Redemptions that are effected directly or indirectly through an Intermediary.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.**&nbsp;&nbsp;&nbsp;&nbsp;Form of Instructions**. Instructions must include the TIN, ITIN, or GII, the fund account number, the specific individual Contract owner number or participant account number associated with the Shareholder as applicable and if known, and the specific restriction(s) to be executed including how long such restrictions(s) are to remain in place. If the TIN, ITIN, or GII or the specific individual Contract owner number or participant account number associated with Shareholder is not known, the instructions must include an equivalent identifying number of the Shareholder(s) or account(s) or other agreed upon information to which the instruction relates. Upon request of either Intermediary, Fund agrees to provide to such Intermediary, along with any written instructions to prohibit further purchases or exchanges of Shares by Shareholder(s),

------

information regarding those trades that violated the Fund's policies relating to eliminating or reducing any dilution of the value of the Fund's outstanding Shares.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.**&nbsp;&nbsp;&nbsp;&nbsp;Timing of Response**. Each Intermediary agrees to promptly execute instructions from the Fund, PSERV and/or FDLLC to restrict or prohibit trading.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. **&nbsp;&nbsp;&nbsp;&nbsp;Confirmation by Intermediary**. Each Intermediary must provide written confirmation to the Fund, PSERV and/or FDLLC that instructions have been executed. Each Intermediary agrees to provide confirmation as soon as reasonably practicable, but not later than ten business days after the instructions have been executed.

**III.&nbsp;&nbsp;&nbsp;&nbsp;Remedy**. In the event that an Intermediary fails or refuses to comply with Sections I and II above, the Fund, PSERV and/or FDLLC may restrict or prohibit an Intermediary from purchasing in nominee name on behalf of itself or other persons, including without limitation indirect intermediaries, securities issued by the Fund. For purposes of this Section III, "purchasing" does not include the automatic reinvestment of dividends.

**IV.&nbsp;&nbsp;&nbsp;&nbsp;Amendment**. This 22c-2 Agreement may be amended by mutual agreement of the parties as evidenced by an amendment executed by all parties.

**V.&nbsp;&nbsp;&nbsp;&nbsp;Instructions**. PSERV and FDLLC are entering into this 22c-2 Agreement on their own behalf, as well as on behalf of the Fund, and any instructions or directions given by PSERV or FDLLC shall be deemed to be given by the Fund as well.

**VI.&nbsp;&nbsp;&nbsp;&nbsp;Termination**. This 22c-2 Agreement will terminate upon the termination of the Existing Agreement.

VII.&nbsp;&nbsp;&nbsp;&nbsp;**Miscellaneous.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.&nbsp;&nbsp;&nbsp;&nbsp;Fund acknowledges that each Intermediary is not responsible for the accuracy of information provided by an indirect intermediary, provided, however, that Intermediary shall not transmit to Fund information provided by an indirect intermediary that Intermediary knows to be inaccurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b.&nbsp;&nbsp;&nbsp;&nbsp;Provided that each party has implemented and maintains a business continuity plan that is reasonably designed to enable it to meet its existing obligations to customers and address its existing relationships with other broker-dealers and counterparties, such party is excused from performance, and shall not be liable for any delay in performance or non- performance, in whole or in part, caused by the occurrence of any event or contingency beyond the control of the parties including, but not limited to, work stoppages, fires, civil disobedience, riots, rebellions, natural disasters, acts of God, and acts of war or terrorism. The party who has been so affected shall promptly give written notice to the other parties and shall use its best efforts to resume performance. Upon receipt of such notice, all obligations under this 22c-2 Agreement shall be immediately suspended for duration of such force majeure.

**VIII.&nbsp;&nbsp;&nbsp;&nbsp;Definitions.** For purposes of this paragraph:

------

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.&nbsp;&nbsp;&nbsp;&nbsp;The term "Fund" means each Putnam mutual fund covered under the Existing Agreement, and any amendment thereto, that constitutes a "Fund" as defined in SEC Rule 22c-2(c)(2), and that does not constitute an "excepted fund" as defined in SEC Rule 22c-2(b), under the Investment Company Act.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. &nbsp;&nbsp;&nbsp;&nbsp;The term "promptly" means as soon as reasonably practicable, but not later than five business days after an Intermediary receives instructions or a request from the Fund, PSERV and/or FDLLC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c.&nbsp;&nbsp;&nbsp;&nbsp;"Shareholder-Initiated Transfer Purchase" means a transaction that is initiated or directed by a Shareholder that results in a transfer of assets within a Contract to a Fund, but does not include transactions that are executed: (i) automatically pursuant to contractual or systematic programs or enrollments such as transfer of assets within a Contract to a Fund as a result of "dollar cost averaging" programs, asset allocation programs, or automatic rebalancing programs; (ii) pursuant to a Contract death benefit; (iii) a step-up (or comparable benefit base) in Contract value (or comparable benefit base) pursuant to a Contract death benefit or guaranteed minimum withdrawal benefit; (iv) allocation of assets to a Fund through a Contract as a result of payments such as loan repayments, scheduled contributions, retirement plan salary reduction contributions, or planned premium payments to the Contract; (v) prearranged transfers at the conclusion of a required free look period; or (vi) in connection with receipt of a longevity credit or other automatic increase to Contract value.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. &nbsp;&nbsp;&nbsp;&nbsp;The term "Shareholder-Initiated Transfer Redemption" means a transaction that is initiated or directed by a Shareholder that results in a transfer of assets within a Contract out of a Fund, but does not include transactions that are executed: (i) automatically pursuant to a contractual or systematic program or enrollments such as transfers of assets within a Contract out of a Fund as a result of annuity payouts, loans, systematic withdrawal programs, asset allocation programs and automatic rebalancing programs; (ii) as a result of any deduction of charges or fees under a Contract; (iii) within a Contract out of a Fund as a result of scheduled withdrawals or surrenders from a Contract; or (iv) as a result of payment of a death benefit from a Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e.&nbsp;&nbsp;&nbsp;&nbsp;The term "Shares" means the redeemable securities issued by a Fund that are held of record by an Intermediary.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f.&nbsp;&nbsp;&nbsp;&nbsp;The term "Shareholder" includes the beneficial owner of Shares, whether the Shares are held directly or by an Intermediary in nominee name.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g.&nbsp;&nbsp;&nbsp;&nbsp;The term "written" includes electronic writings and facsimile transmissions.

**IN WITNESS WHEREOF**, Each Intermediary, FDLLC and PSERV have caused this 22c-2 Agreement to be executed by their duly authorized officers.

PUTNAM INVESTOR SERVICES, PRUCO LIFE INSURANCE COMPANY INC.

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FRANKLIN DISTRIBUTORS, LLC PRUCO LIFE INSURANCE COMPANY

OF NEW JERSEY

## Ex-99.K

**Exhibit 30(k)**

Pruco Life Insurance Company of New Jersey

280 Trumbull Street

Hartford, CT 06103

Ladies and Gentlemen:

In my capacity as Vice President and Corporate Counsel of Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey"), I have reviewed the establishment on January 13, 1984, of Pruco Life of New Jersey Variable Appreciable Account (the "Account") by the Executive Committee of the Board of Directors of Pruco Life of New Jersey as a separate account for assets applicable to certain variable universal life insurance contracts, pursuant to the provisions of Section 17B:28-7 of the Revised Statutes of New Jersey. I am responsible for oversight of the preparation and review of the Registration Statements on Form N-6, as amended, filed by Pruco Life of New Jersey with the Securities and Exchange Commission (Registration Numbers: 002-89780, 333-49334, 333-112809, 333-229277, 333-225954, 333-252986, 333-215543, 333-237296, 333-286564) under the Securities Act of 1933 for the registration of certain variable universal life insurance contracts issued with respect to the Account.

I am of the following opinion:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;&nbsp;Pruco Life of New Jersey was duly organized under the laws of New Jersey and is a validly existing corporation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;&nbsp;&nbsp;&nbsp;The Account has been duly created and is validly existing as a separate account pursuant to the aforesaid provisions of New Jersey law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;&nbsp;&nbsp;&nbsp;The portion of the assets held in the Account equal to the reserve and other liabilities for variable benefits under the variable universal life insurance contracts is not chargeable with liabilities arising out of any other business Pruco Life of New Jersey may conduct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4)&nbsp;&nbsp;&nbsp;&nbsp;The variable universal life insurance contracts are legal and binding obligations of Pruco Life of New Jersey in accordance with their terms.

In arriving at the foregoing opinion, I have made such examination of law and examined such records and other documents as I judged to be necessary or appropriate.

I hereby consent to the filing of this opinion as an exhibit to the Registration Statement.

Very truly yours,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;

---

| | |
|:---|:---|
| /s/ Christopher J. Madin | 8/18/2025 |
| Christopher J. Madin | Date |
| Vice President and Corporate Counsel | |

---

## Ex-99.N

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in this Pre-Effective Amendment No. 2 to the Registration Statement on Form N-6 (No. 333-286564) (the "Registration Statement") of our report dated March 26, 2025 relating to the financial statements of Pruco Life Insurance Company of New Jersey and consent to the incorporation by reference in the Registration Statement of our report dated April 10, 2025 relating to the financial statements of each of the subaccounts of Pruco Life of New Jersey Variable Appreciable Account indicated in our report. We also consent to the reference to us under the heading "Experts" in such Registration Statement.

/s/ PricewaterhouseCoopers LLP

New York, New York

August 18, 2025

## Ex-99.N

**<u>POWER OF ATTORNEY</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL PERSONS BY THESE PRESENTS that the person whose signature appears below, being a director or officer of Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey"), constitutes and appoints **Michael A. Pignatella, Christopher J. Madin and Jacob Manzoor,** and each of them severally, his or her true and lawful attorney-in-fact with power of substitution and resubstitution to sign in his or her name, place and stead, in any and all capacities, and to do any and all things and execute any and all instruments that such attorneys-in-fact may deem necessary or advisable under any rules, regulations and requirements of the U.S. Securities and Exchange Commission, in connection with where applicable: Registration statements of the appropriate forms prescribed by the Securities and Exchange Commission, and any other periodic documents and reports required under the Investment Company Act of 1940, as amended, the Securities Act of 1933, as amended, the Securities Exchange Act of 1934, as amended, and all amendments thereto executed on behalf of Pruco Life of New Jersey filed with the Securities and Exchange Commission for the Registrations listed on Schedule A.

IN WITNESS WHEREOF, I have hereunto set my hand this 18<sup>th</sup> day of August 2025.

---

| |
|:---|
| <u>/s/ Reshma V. Abraham</u><br>Reshma V. Abraham<br>Director and Vice President  |
| <u>/s/ Alan M. Finkelstein</u><br>Alan M. Finkelstein<br>Director and Treasurer |
| <u>/s/ Scott E. Gaul</u><br>Scott E. Gaul<br>Director and Vice President |
| <u>/s/ Bradley O. Harris</u><br>Bradley O. Harris<br>Director |
| <u>/s/ Salene Hitchcock-Gear</u><br>Salene Hitchcock-Gear<br>Director |
| <u>/s/ Dylan J. Tyson</u><br>Dylan J. Tyson<br>Director, President, and Chief Executive Officer |

---

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**<u>Schedule A</u>**

The Pruco Life of New Jersey Variable Appreciable Account (Reg. No. 811-03974) and flexible premium variable life insurance contracts (Reg. No. 002-89780, Reg. No. 333-94115, Reg. No. 333-49334, Reg. No. 033-57186, Reg. No. 333-85117, Reg. No. 333-100058, Reg. No. 333-117796, Reg. No. 333-112809, Reg. No. 333-158637, Reg. No. 333-205093, Reg. No. 333-215543, Reg. No. 333-225954, Reg. No. 333-237296, Reg. No. 333-229277, Reg. No. 333-252986, and Reg. No. 333-286564), to the extent they represent participating interests in said Account;

The Pruco Life of New Jersey Variable Insurance Account (Reg. No. 811-03646) and scheduled premium variable life insurance contracts (Reg. No. 002-81243 and Reg. No. 333-253930), to the extent they represent participating interests in said Account;

The Pruco Life of New Jersey Variable Contract Real Property Account (Reg. No. 333-223076) and individual variable life insurance contracts, to the extent they represent participating interests in said Account.

## Ex-99.Q

Exhibit 30 (q)

***&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;***

**Description of Pruco Life of New Jersey's Issuance, Increases in or Addition of Insurance Benefits,** 

**Transfer and Redemption Procedures for Variable Universal Life Insurance Contracts**

**Pursuant to Rule 6e-3(T)(b)(12)(iii)** 

This document sets forth the administrative procedures that will be followed by Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey", "us", "we", "our") in connection with the issuance of its Variable Universal Life Insurance Contract ("Contract"), the increase in or addition of benefits, the transfer of assets held thereunder, and the redemption by Contract Owners of their interests in said Contracts.

**I.&nbsp;&nbsp;&nbsp;&nbsp;<u>Procedures Relating to Issuance and Purchase of the Contracts and to the Increase in or Addition of Benefits</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.&nbsp;&nbsp;&nbsp;&nbsp;<u>Premium Schedules and Underwriting Standards</u>

This Contract offers flexibility in paying premiums — no premiums are required to be paid by a certain date except for the minimum initial premium required to start the Contract. The minimum initial premium for the Contract, and the charges from the Contract Fund to reflect the cost of insurance, will not be the same for all Contract Owners. Insurance is based on the principle of pooling and distribution of mortality risks, which assumes that each Contract Owner is charged a cost commensurate with the insured's mortality risk as actuarially determined utilizing factors such as age, sex (in most cases), smoking status, health and occupation. Uniform premiums or charges for all insureds would discriminate unfairly in favor of those insureds representing greater risks. However, for a given face amount of insurance, Contracts issued on insureds in a given risk classification will have the same minimum initial premium and charges.

The underwriting standards and premium processing practices followed by Pruco Life of New Jersey are similar to those followed in connection with the offer and sale of fixed-benefit life insurance, modified where necessary to meet the requirements of the federal securities laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.&nbsp;&nbsp;&nbsp;&nbsp;<u>Application and Initial Premium Processing</u>

Upon receipt of a request for life insurance from a prospective Contract Owner, Pruco Life of New Jersey will follow certain insurance underwriting (i.e., evaluation of risk) procedures designed to determine whether the proposed insured is insurable. The process may involve such verification procedures as medical examinations and may require that further information be provided by the proposed insured before a determination can be made. A Contract cannot be issued, (i.e., physically issued through Pruco Life of New Jersey's computerized issue system) until this underwriting procedure has been completed.

Since a Contract cannot be issued until after the underwriting process has been completed, we use a Limited Insurance Agreement to provide temporary life insurance coverage to prospective Contract Owners who pay the minimum initial premium at the time the request for coverage is submitted. This coverage is for the total Death Benefit applied for, up to the maximum described by the Limited Insurance Agreement, and is subject to the other terms of the Limited Insurance Agreement.

The Contract Date is the date specified in the Contract. This date is used to determine the insurance age of the proposed insured. It represents the first day of the Contract Year and therefore determines the Contract Anniversary and Monthly Dates. It also represents the commencement of the suicide and contestable periods for purposes of the Basic Insurance Amount.

If the minimum initial premium is paid with the application and no medical examination is required, the Contract Date will ordinarily be the date of the application. If a delay is encountered (e.g., if a request for further information is not met promptly), generally, the Contract Date will be 21 days prior to the date on which the Contract is physically issued. If a medical examination is required, the Contract Date will ordinarily be the date the examination is completed, subject to the same qualification as that noted above.

If the premium paid with the application is less than the minimum initial premium, the Contract Date will be determined as described above. The balance of the minimum initial premium amount will be applied as of the later of the Contract Date and the date premiums were received.

If no premium is paid with the application, the Contract Date will be the Contract Date stated in the Contract, which will generally be the date the minimum initial premium is received from the Contract Owner and the Contract is delivered.

There is one principal variation from the foregoing procedure. If permitted by the insurance laws of the state in which the Contract is issued, the Contract may be backdated up to six months.

------

In situations where the Contract Date precedes the date that the minimum initial premium is received, charges due prior to the initial premium receipt date will be deducted from the net initial premium.

In general, the invested portion of the minimum initial premium will be placed in the Contract Fund (i.e., as described under Premium Processing below) as of the later of (1) the Contract Date and (2) the date we receive the premium.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. <u>Premium Processing</u>

Whenever a premium is received, we will subtract the applicable premium charge. The remainder of the initial premium and any other net premium received in Good Order at the Payment Office during the 10 day period (or longer if required by state regulation) following the receipt of the Contract will be allocated to the designated money market investment option as of the later of the Contract Date and the end of the valuation period in which it is received. After the 10<sup>th</sup> day, these funds, adjusted for any investment results, will be transferred out of the Money Market investment option and allocated among the Variable Investment Options and/or the Fixed Rate Option according to the current premium allocation. Premiums other than those received prior to the Contract Date and those described above will be allocated among the Variable Investment Options and/or the Fixed Rate Option according to the current premium allocation (less the applicable premium charge) as of the date received. If the Contract Date or the date the premium is received is not a business day, premiums will be applied as of the next business day.

The Contract has a Right to Cancel Contract provision, which gives Contract Owners the right to cancel the Contract within ten days of its delivery. If the purchase of this Contract is a replacement under state law, this duration will be extended to a period required by such law.

After 10 days, the funds are reallocated in accordance with the Contract Owner's current allocation instructions.

The Lapse Protection Rider may restrict the availability of investment options.

When a claim is submitted under the Chronic Illness Option of the BenefitAccess Rider, premium payments or loan repayments must be allocated to the Fixed Rate Option while a claim is reviewed and while Benefit Payments are being received.

Premium payments are not allowed for Contracts that are in force under the provisions of the Overloan Protection Rider. Any loan repayments must be allocated to the Fixed Rate Option.

During any period in which a Contract is in default, the Contract Owner may not change the way in which subsequent premiums are allocated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. <u>Reinstatement</u>

The Contract may be reinstated within five years after the date of default (this period will be longer if required by state law). The Contract will not be reinstated if it was surrendered for its Cash Surrender Value. A Contract will be reinstated upon our receipt of a written request for reinstatement, production of evidence of insurability satisfactory to Pruco Life of New Jersey and payment after front-end charges of at least (a) an amount required to bring the net cash value to zero on the date the Contract went into default, plus (b) the deductions from the Contract Fund during the grace period following the date of default, plus (c) a premium that we estimate will be sufficient to cover the deductions from the Contract Fund for three Monthly Dates starting on the date of reinstatement.

Pruco Life of New Jersey will treat the amount paid upon reinstatement as a premium. Pruco Life of New Jersey will deduct the front-end charges plus any amount required to bring the net cash value to zero on the date the Contract went into default plus any deductions from the Contract Fund that would have been made during the grace period. The Contract Fund of the reinstated Contract will, immediately upon reinstatement, be equal to the net premium payment plus the part of any surrender charge deducted at the time of default, which would be charged if the Contract were surrendered immediately after reinstatement.

The reinstatement will take effect the date Pruco Life of New Jersey approves the request for reinstatement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. <u>Repayment of Loan</u>

A loan made under the Contract may be repaid with an amount equal to the monies borrowed plus interest. Interest charged on the loan accrues daily at a fixed annual rate, which depends on whether the loan is a "standard" loan or a "preferred" loan. We charge interest on the full loan amount, including all unpaid interest. Interest is due on each Contract Anniversary or when the loan is paid back, whichever comes first. If interest is not paid when due, we will increase the loan amount by any unpaid interest.

A loan is available at any time and is equal to the sum of (1) 99% of the portion of the cash value attributable to the Variable Investment Options and (2) the balance of the cash value provided the Contract is not in default. The effective annual rate that we charge on "standard" loans is 2%.

------

A "preferred" loan is available starting on the 10th Contract Anniversary. If the insured is living and the Contract is not in default, all new and existing loan amounts will automatically be considered "preferred" loans on and after the 10th Contract Anniversary. The effective annual rate we charge on "preferred" loans is 1.05%.

When a loan is made, an amount equal to the loan proceeds is transferred out of the Variable Investment Options and/or the Fixed Rate Option, as applicable. While a loan is outstanding, the amount that was transferred will continue to be treated as part of the Contract Fund and be credited with interest at an annual rate of 1%. On each Monthly Date, Pruco Life of New Jersey will increase the portion of the Contract Fund in the investment options by interest credits accrued on the loan since the last Monthly date. Pruco Life of New Jersey thus will realize the difference between that rate and the fixed loan interest rate(s), which will be used to cover the loan investment expenses, income taxes, if any, and processing costs. The net interest rate spread of a "standard" loan is 1%. The net interest rate spread of a "preferred" loan is 0.05%.

Upon repayment of Contract debt, we will increase the portion of the Contract Fund in the investment options by the amount of the loan the Contract Owner pays, plus interest credits accrued on the loan since the last transaction date. We will use the investment options designated by the Contract Owner or the investment allocation for future premium payments as of the loan payment date. We reserve the right to change the manner in which we allocate loan repayments.

Loan repayments are required when exercising either option of the BenefitAccess Rider. If there is an outstanding loan on the Contract, a portion of each Benefit Payment will be used to reduce the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F.&nbsp;&nbsp;&nbsp;&nbsp;<u>Addition of Insurance Benefits</u>

After issue, Pruco Life of New Jersey does not permit Contract Owners to add to the existing Basic Insurance Amount. Certain riders may be added in a way similar to our new business procedures outlined above and as indicated in the prospectus.

**II. &nbsp;&nbsp;&nbsp;&nbsp;<u>Transfers</u>**

The Pruco Life of New Jersey Variable Appreciable Account (the "Account") has Variable Investment Options, each of which is invested in shares of a corresponding portfolio of the Funds. The Funds are registered under the 1940 Act as open-end diversified management investment companies. In addition, a Fixed Rate Option is available.

Provided the Contract is not in default, the Contract Owner may, up to 12 times in each Contract Year, transfer amounts among the Variable Investment Options or to the Fixed Rate Option without charge. Once the limit has been reached, additional transfers may be made only with our consent. Currently, we allow additional transfers.

We may charge an administrative transaction fee of up to $25 for each transfer made exceeding 12 in any Contract Year. Currently, no transaction fee is charged in connection with a transfer, but we reserve the right to make such a charge. All or a portion of the amount credited to a variable investment option may be transferred. Transfers out of the Fixed Rate Option are subject to strict limits as described later in this section. Transfers will not be made until 10 days after receipt of the Contract.

After 20 transfers in a calendar year, we will accept subsequent transfer requests only if they are in a form that meets our needs, bear an original signature in ink, and are sent to us by U.S. regular mail.

After 20 transfers in a calendar year, we will reject any subsequent transfer request made by telephone, fax, or electronic means, even in the event that it is inadvertently processed.

Multiple transfers that occur during the same day, but prior to the end of the Valuation Period for that same day, will be counted as a single transfer.

Currently, certain transfers effected systematically under either a dollar cost averaging or an automatic rebalancing program described in the prospectus do not count towards the limit of 12 transfers per Contract Year or the limit of 20 transfers per calendar year. In the future, we may count such transfers towards the limit.

In addition, we may restrict the number, timing, and amount of transfers in accordance with our rules if we find the transfer activity to be disruptive to the variable investment option or to the disadvantage of other Contract Owners. We may prohibit transfer requests made by an individual acting under a power of attorney on behalf of more than one Contract Owner. However, due to the discretion involved in any decision to exercise our right to restrict transfers, it is possible that some Contract Owners may be able to effect transactions that could affect Fund performance to the disadvantage of other Contract Owners.

Transfers among Variable Investment Options will take effect at the end of the valuation period in which a proper transfer request is received in Good Order at a Service Office. The request may be in terms of dollars, such as a request to transfer $5,000 from one Variable Investment Option to another, or may be in terms of a percentage reallocation among Variable Investment Options. In the latter case, as with premium reallocations, the percentages must be in whole numbers.

------

Only one transfer from the Fixed Rate Option will be permitted during each Contract Year. The maximum amount, which may be transferred out of the Fixed Rate Option each year, is the greatest of: (a) 25% of the amount in the Fixed Rate Option; (b) $5,000; and (c) the amount transferred from the Fixed Rate Option to the Variable Investment Options in the prior Contract Year (if applicable). These limits are subject to change in the future. We may waive these restrictions for limited periods of time in a non-discriminatory way.

The Lapse Protection Rider may restrict the availability of investment options and limit the availability of dollar cost averaging.

When a claim is submitted under the Chronic Illness Option of the BenefitAccess Rider, the Contract Owner must authorize a transfer of all value from the Variable Investment Options to the Fixed Rate Option. Funds must remain in the Fixed Rate Option while the claim is reviewed and while Benefit Payments are being received. Fund transfers, dollar cost averaging, and automatic rebalancing will not be allowed.

When the Overloan Protection Rider is exercised, funds must be transferred out of the Variable Investment Options and into the Fixed Rate Option where they must remain. Fund transfers, dollar cost averaging, and automatic rebalancing will not be allowed.

**III.&nbsp;&nbsp;&nbsp;&nbsp;<u>Redemption Procedures: Surrender and Related Transactions</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.&nbsp;&nbsp;&nbsp;&nbsp;<u>Surrender for Cash Surrender Value</u> 

The Contract Owner may surrender the Contract at any time for its Cash Surrender Value (referred to as net cash value in the Contract) while the insured is living. To surrender a Contract, Pruco Life of New Jersey may require the Contract Owner to deliver or mail the following items in Good Order to a Service Office; the Contract, a signed request for surrender, and any tax withholding information required under federal or state law. Generally, Pruco Life of New Jersey will pay the Contract's Cash Surrender Value within seven days after all the documents required for such payment are received in Good Order at a Service Office. Surrender of a Contract may have tax consequences.

Pruco Life of New Jersey reserves the right to postpone paying that part of the cash surrender value that is to come from any variable investment option (provided by a separate account registered under the Investment Company Act of 1940) if: (1) the New York Stock Exchange is closed; or (2) the SEC requires that trading be restricted or declares an emergency. The payment of any Cash Surrender Value attributable to the Fixed Rate Option may be delayed up to six months. If we do so for more than 10 days, Pruco Life of New Jersey will pay interest at the rate no less than 0.5% a year.

The Cash Surrender Value will be determined as of the end of the valuation period in which a surrender request is received in Good Order at a Service Office. The Contract's Cash Surrender Value on any date will be the Contract Fund less any applicable surrender charges (described in the prospectus) and less any Contract Debt. The Contract Fund value changes daily, reflecting: (1) increases or decreases in the value of the Variable Investment Option(s); (2) interest credited on any amounts allocated to the Fixed Rate Option; (3) interest credited on any loan; and (4) the daily asset charge for mortality and expense risks assessed against the Variable Investment Options.

In lieu of the payment of the Cash Surrender Value in a single sum upon surrender of a Contract, an election may be made by the Contract Owner to apply all or a portion of the proceeds under one of the fixed benefit settlement options described in the Contract. The fixed benefit settlement options are subject to the restrictions and limitations set forth in the Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.&nbsp;&nbsp;&nbsp;&nbsp;<u>Withdrawals from the Contract Fund</u>

The Contract Owner may withdraw a portion of the Contract's cash surrender value without surrendering the Contract subject to the following restrictions: (1) Pruco Life of New Jersey must receive a request for the withdrawal in a form that meets our needs; (2) the Cash Surrender Value after withdrawal may not be less than or equal to zero after deducting (a) any charges associated with the withdrawal and (b) an amount Pruco Life of New Jersey estimates will be sufficient to cover the Contract Fund deductions for two monthly dates following the date of withdrawal; (3) the Contract Owner does not withdraw less than the minimum amount shown under Contract Limitations; and (4) the Basic Insurance Amount after withdrawals must be at least equal to the minimum Basic Insurance Amount shown under Contract Limitations.

There may be a transaction fee for each withdrawal of $25. Currently no fee is charged for a withdrawal. A withdrawal may not be repaid except as a premium subject to the applicable charges.

Whenever a withdrawal is made, the Death Benefit payable will immediately be reduced by at least the amount of the withdrawal. This will not change the Basic Insurance Amount (minimum face amount specified in the Contract) under a Type B (variable) Contract. However, under a Type A (fixed) Contract, the withdrawal may require a reduction in the Basic Insurance Amount. If a decrease in Basic Insurance Amount reduces coverage to below the surrender charge threshold, a surrender charge may be deducted. No withdrawal will be permitted under a Type A (fixed) Contract if it would result in a Basic Insurance Amount less than the minimum Basic Insurance Amount.

The Contract Fund is reduced by the sum of the cash withdrawn and any fee for the withdrawal. An amount equal to the reduction in the Contract Fund will be withdrawn from the investment options.

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Generally, we will pay any withdrawal amount within seven days after all the documents required for such payment, are received in Good Order at a Service Office.

Withdrawals are not allowed for Contracts that are in force under the provisions of the Overloan Protection Rider or are receiving Benefit Payments under the Chronic Illness Option of the BenefitAccess Rider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. <u>Death Claims</u>

Pruco Life of New Jersey will pay a Death Benefit to the beneficiary at the insured's death if the Contract is in-force at the time of that death. The proceeds will be paid within seven days after receipt at Pruco Life of New Jersey's Service Office of proof of death of the insured and all other requirements necessary to make payment. State insurance laws impose various requirements, such as receipt of a tax waiver, before payment of the Death Benefit may be made.

Pruco Life of New Jersey reserves the right to postpone payment of that part of the proceeds that is to come from any Variable Investment Option (provided by a separate account registered under the Investment Company Act of 1940) if: (1) the New York Stock Exchange is closed; or (2) the SEC requires that trading be restricted or declares an emergency.

In addition, payment of the Death Benefit is subject to the provisions of the Contract regarding suicide and incontestability. In the event Pruco Life of New Jersey should contest the validity of a death claim, an amount up to the portion of the Contract Fund in the Variable Investment Options will be withdrawn, if appropriate, and held in Pruco Life of New Jersey's general account.

If the Contract is not in default, the amount Pruco Life of New Jersey will pay will be the Death Benefit determined as of the date of the insured's death reduced by any Contract Debt.

If the Contract is in default and the insured's death occurs during its days of grace, Pruco Life of New Jersey will pay the Death Benefit reduced by any Contract Debt and the amount needed to pay charges through the date of death.

No Death Benefit is payable if the insured's death occurs past the grace period.

On any date, the Death Benefit under a Type A (fixed) Contract is equal to the greater of: (1) the Basic Insurance Amount, and (2) the Contract Fund before deduction of any monthly charges due on that date, multiplied by attained age factors. These factors vary by the insured's attained age and are shown in the Contract.

On any date, the Death Benefit under a Type B (variable) Contract is equal to the greater of: (1) the Basic Insurance Amount plus the Contract Fund before deduction of any monthly charges due on that date, and (2) the Contract Fund before deduction of any monthly charges due on that date, multiplied by attained age factors. These factors vary by the insured's attained age and are shown in the Contract. For the purposes of this calculation, the Contract Fund will be considered to be zero if it is less than zero.

There may be an additional benefit payable from an endorsement or rider added to the Contract.

The proceeds payable on death also will generally include interest (at a rate determined by Pruco Life of New Jersey) from the date of death until the date of payment. However, state insurance laws may impose additional or different requirements.

Pruco Life of New Jersey will make payment of the Death Benefit out of its general account, and will transfer assets, if appropriate, from the Account to the general account in an amount up to the Contract Fund.

In lieu of payment of the Death Benefit in a single lump sum check, an election may be made to apply all or a portion of the proceeds under one of the fixed benefit settlement options described in the Contract or, with the approval of Pruco Life of New Jersey, a combination of options. The election of any available settlement option may be made by the Contract Owner during the insured's lifetime, or, at death, by the beneficiary. A Death Benefit option in effect at death may not be changed to another form of Death Benefit after death. The fixed benefit settlement options are subject to the restrictions and limitations set forth in the Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. <u>Default and Options on Lapse</u>

The Contract is issued with a limited guarantee against lapse. The Limited No-Lapse Guarantee is effective the first five years of the Contract and provides that the Contract will not go into default, regardless of investment results, as long as the amount of premiums paid, less withdrawals, equals or exceeds the Limited No-Lapse Guarantee Value. The Contract can go into default if on any Monthly Date the net accumulated premiums do not meet or exceed the Limited No-Lapse Guarantee Value referenced in the Contract, or the Contract has Contract Debt.

The Lapse Protection Rider, if purchased, provides conditional guarantee against Contract lapse beginning in the sixth Contract Year. Beginning in the sixth Contract Year, the Contract can go into default if on any Monthly Date the No-Lapse Guarantee Value is equal

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to or less than zero under the Lapse Protection Rider. The Lapse protection will hold if the Contract has no Contract Debt and if the No-Lapse Guarantee Value referenced in the Contract is greater than zero.

Monthly Dates occur on the Contract Date and in each later month on the same day of the month as the Contract Date.

The Contract provides for a grace period extending 61 days after the mailing date of the notice of default. The insurance coverage continues in-force during the grace period, but if the insured dies during the grace period, any charges due up to the date of death are deducted from the amount payable to the beneficiary.

During any period in which a Contract is in default, the Contract Owner may not change the way in which subsequent premiums are allocated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. <u>Loans</u>

The Contract Owner may take out a loan at any time a loan value is available providing: (1) the Contract is assigned to Pruco Life of New Jersey as the only security for the loan, (2) the insured is living, (3) the Contract is not in default, and (4) the resulting Contract Debt is not more than the loan value (99% of the portion of the cash value attributable to the Variable Investment Options and 100% of the balance of the cash value).

The investment options will be debited in the amount of the loan on the date the loan is approved. The percentage of the loan withdrawn from each investment option will normally be equal to the percentage of the loanable value of such assets held in the investment option unless otherwise requested and Pruco Life of New Jersey agreed. A Contract Owner may borrow up to the Contract's full loan value. The loan provision is described in the Contract and in the prospectus.

A loan does not affect charges. When a loan is made, the Contract Fund is not reduced, but the value of the assets relating to the Contract held in the investment option(s) is reduced. Accordingly, the daily changes in the Cash Surrender Value will be different from what they would have been had no loan been taken. Cash Surrender Values, and possibly Death Benefits, are thus permanently affected by any Contract Debt, whether or not repaid.

On settlement, the amount of any Contract Debt is subtracted from the insurance proceeds. A loan will not cause the Contract to lapse as long as Contract Debt does not equal or exceed the Contract Fund, less any applicable surrender charges. If Contract Debt ever becomes equal to or more than the cash value, all the Contract's benefits will end 61 days after notice is mailed to the Contract Owner and any known assignee (when required by law), unless payment of an amount sufficient to end the default is made within that period.

However, the Contract may also remain in force by exercising the optional Overloan Protection Rider that prevents lapse due to excessive Contract Debt beyond the later of the insured's attained age 75 and the 15<sup>th</sup> Contract Anniversary.

Loan repayments are required and deducted from the accelerated Death Benefit Payment when exercising either option of the BenefitAccess Rider.

## Ex-99.R

INITIAL SUMMARY PROSPECTUS

AUGUST 18, 2025

***VUL Protector®***

AN INDIVIDUAL, FLEXIBLE PREMIUM, VARIABLE UNIVERSAL LIFE INSURANCE CONTRACT

*Issued by*

**Pruco Life Insurance Company of New Jersey**

*With Variable Investment Options offered in connection with its*

**Pruco Life of New Jersey Variable Appreciable Account**

**Summary Prospectus For New Investors**

This summary prospectus summarizes certain key aspects of the Contract. Before you (the "Contract Owner") invest you should also review the prospectus for the ***VUL Protector®*** Contract, which contains more information about the Contract's features, benefits, and risks. You can find this document and other information about the Contract online at www.Prudential.com/eProspectus. You can also obtain this information at no cost by calling 800-778-2255. Additional general information about certain investment products, including variable life insurance contracts, has been prepared by the Securities and Exchange Commission's ("SEC") staff and is available at www.Investor.gov.

You may cancel your Contract within 10 days of receiving it without paying fees or penalties. Upon cancellation, you will receive either a full refund of the amount you paid or your total Contract value. You should review the prospectus, or consult with your investment professional, for additional information about the specific cancellation terms that apply.

    

**Table Of Contents**

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| | |
|:---|:---|
| | **Page** |
| **IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** | **[1](#i944e6247476a40dea12ab563e920a889_10)** |
| **OVERVIEW OF THE CONTRACT** | **[2](#i944e6247476a40dea12ab563e920a889_13)** |
| **STANDARD DEATH BENEFITS** | **[3](#i944e6247476a40dea12ab563e920a889_16)** |
| **OTHER BENEFITS AVAILABLE UNDER THE CONTRACT** | **[4](#i944e6247476a40dea12ab563e920a889_19)** |
| **PREMIUMS** | **[6](#i944e6247476a40dea12ab563e920a889_22)** |
| **HOW YOUR CONTRACT CAN LAPSE** | **[7](#i944e6247476a40dea12ab563e920a889_25)** |
| **MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT** | **[8](#i944e6247476a40dea12ab563e920a889_28)** |
| **ADDITIONAL INFORMATION ABOUT FEES** | **[9](#i944e6247476a40dea12ab563e920a889_31)** |
| **APPENDIX A: Funds Available Under the Contract** | **[11](#i944e6247476a40dea12ab563e920a889_34)** |
| **GLOSSARY: Definitions Of Special Terms Used In This Summary Prospectus** | **[15](#i944e6247476a40dea12ab563e920a889_37)** |

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INITIAL SUMMARY PROSPECTUS

AUGUST 18, 2025

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT**

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| | | | |
|:---|:---|:---|:---|
| **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** |
| **Charges For Early Withdrawals** | There is no charge to withdraw money from the Contract. However, if within the first 14 Contract Years your Contract is surrendered, lapses, or you reduce the Basic Insurance Amount, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $3.53 to $43.15 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $4,315.00. Please also refer to the **Surrender Charge** subsection of the prospectus.  | There is no charge to withdraw money from the Contract. However, if within the first 14 Contract Years your Contract is surrendered, lapses, or you reduce the Basic Insurance Amount, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $3.53 to $43.15 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $4,315.00. Please also refer to the **Surrender Charge** subsection of the prospectus.  | There is no charge to withdraw money from the Contract. However, if within the first 14 Contract Years your Contract is surrendered, lapses, or you reduce the Basic Insurance Amount, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $3.53 to $43.15 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $4,315.00. Please also refer to the **Surrender Charge** subsection of the prospectus.  |
| **Transaction Charges** | In addition to a surrender charge, you may also be charged for other transactions. Such charges include premium charges, transfer fees, withdrawal fees, and fees for decreases in the Basic Insurance Amount. Premiums that exceed the Sales Load Target Premium set forth in your Contract may be subjected to higher premium charges. For more information on transaction charges, please refer to the **FEE TABLE** and **CHARGES AND EXPENSES** sections of the prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include premium charges, transfer fees, withdrawal fees, and fees for decreases in the Basic Insurance Amount. Premiums that exceed the Sales Load Target Premium set forth in your Contract may be subjected to higher premium charges. For more information on transaction charges, please refer to the **FEE TABLE** and **CHARGES AND EXPENSES** sections of the prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include premium charges, transfer fees, withdrawal fees, and fees for decreases in the Basic Insurance Amount. Premiums that exceed the Sales Load Target Premium set forth in your Contract may be subjected to higher premium charges. For more information on transaction charges, please refer to the **FEE TABLE** and **CHARGES AND EXPENSES** sections of the prospectus.  |
| **Ongoing Fees And Expenses**  | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: |
| **Ongoing Fees And Expenses**  | **Annual Fee** | **Minimum** | **Maximum** |
| **Ongoing Fees And Expenses**  | Investment options<br>(Fund fees and expenses) | 0.29% | 2.09% |
| **Ongoing Fees And Expenses**  | For more information on ongoing fees and expenses, please refer to the **FEE TABLE** section of the prospectus and **APPENDIX A**, which is part of the prospectus and included below.  | For more information on ongoing fees and expenses, please refer to the **FEE TABLE** section of the prospectus and **APPENDIX A**, which is part of the prospectus and included below.  | For more information on ongoing fees and expenses, please refer to the **FEE TABLE** section of the prospectus and **APPENDIX A**, which is part of the prospectus and included below.  |
| **RISKS** | **RISKS** | **RISKS** | **RISKS** |
| **Risk Of Loss** | You can lose money by investing in the Contract. For more information please refer to the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. | You can lose money by investing in the Contract. For more information please refer to the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. | You can lose money by investing in the Contract. For more information please refer to the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. |
| **Not a Short-Term Investment** | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. |
| **Risks Associated With Investment Options** | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **The Funds** subsection of the prospectus. | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **The Funds** subsection of the prospectus. | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **The Funds** subsection of the prospectus. |
| **Insurance Company Risks** | An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **GENERAL DESCRIPTIONS OF THE DEPOSITOR, THE REGISTRANT, AND THE FUNDS** section of the prospectus. | An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **GENERAL DESCRIPTIONS OF THE DEPOSITOR, THE REGISTRANT, AND THE FUNDS** section of the prospectus. | An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **GENERAL DESCRIPTIONS OF THE DEPOSITOR, THE REGISTRANT, AND THE FUNDS** section of the prospectus. |
| **Contract Lapse** | Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made or it remains in force under the Limited No-Lapse Guarantee or Lapse Protection Rider (if selected). The Contract is in default if the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less. The Contract will also be in default if, at any time, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge, unless it remains in force under the Overloan Protection Rider (if applicable). Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Contract to lapse.<br>A Contract that lapses may be reinstated within five years from the date of default upon the completion of certain conditions, including the submission of certain payments sufficient to bring the Contract up to date, plus a premium to cover all charges and deductions for three months from the date of reinstatement. For more information please refer to the **LAPSE AND REINSTATEMENT** section of the prospectus. | Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made or it remains in force under the Limited No-Lapse Guarantee or Lapse Protection Rider (if selected). The Contract is in default if the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less. The Contract will also be in default if, at any time, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge, unless it remains in force under the Overloan Protection Rider (if applicable). Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Contract to lapse.<br>A Contract that lapses may be reinstated within five years from the date of default upon the completion of certain conditions, including the submission of certain payments sufficient to bring the Contract up to date, plus a premium to cover all charges and deductions for three months from the date of reinstatement. For more information please refer to the **LAPSE AND REINSTATEMENT** section of the prospectus. | Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made or it remains in force under the Limited No-Lapse Guarantee or Lapse Protection Rider (if selected). The Contract is in default if the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less. The Contract will also be in default if, at any time, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge, unless it remains in force under the Overloan Protection Rider (if applicable). Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Contract to lapse.<br>A Contract that lapses may be reinstated within five years from the date of default upon the completion of certain conditions, including the submission of certain payments sufficient to bring the Contract up to date, plus a premium to cover all charges and deductions for three months from the date of reinstatement. For more information please refer to the **LAPSE AND REINSTATEMENT** section of the prospectus. |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

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| | |
|:---|:---|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Investments** | You may, up to 12 times each Contract Year, transfer amounts among the Variable Investment Options or to the Fixed Rate Option. Additional transfers may be made only with our consent. Generally, only one transfer from the Fixed Rate Option will be permitted during each Contract Year. The maximum amount per Contract Year you may transfer out of the Fixed Rate Option each year is the greatest of: (a) 25% of the amount in the Fixed Rate Option; (b) $5,000; and (c) the amount transferred from the Fixed Rate Option to the Variable Investment Options in the prior Contract Year (if applicable). Transfers may generally be made by mail, phone, fax or website. Contracts that are jointly owned or assigned generally cannot conduct transfers by phone, fax or website. We reserve the right to remove or substitute Variable Investment Options. For more information on investment and transfer restrictions, please refer to the **Transfers And Restrictions On Transfers** subsection of the prospectus and **APPENDIX A**.  |
| **Optional Benefits** | As a Contract Owner, you may be able to obtain extra fixed benefits, which may require additional charges. These optional insurance benefits are described in what is known as a "rider" to the Contract. Riders are generally only available at Contract issuance, unless noted otherwise.<br>Some riders may depend on the performance of the Contract Fund. Rider benefits will no longer be available if the Contract lapses and most rider benefits will no longer be available if you choose to keep the Contract in force under the Overloan Protection Rider. Some riders are not available in conjunction with other riders and other restrictions may apply. Access to investment options may be limited and restricted if certain riders are included and/or exercised. For more information on optional benefits under the Contract, please refer to the **OTHER BENEFITS AVAILABLE UNDER THE CONTRACT** section of the prospectus.  |
| **TAXES** | **TAXES** |
| **Tax Implications** | You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. There is no additional tax benefit if you purchase the Contract through a tax-qualified plan. Withdrawals may be subject to ordinary income tax and a 10% additional tax. For more information on tax implications relating to Contract investments, please refer to the **TAXES** section of the prospectus. |
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **Investment Professional Compensation** | Investment professionals receive compensation for selling the Contract to investors and may have a financial incentive to offer or recommend the Contract over another investment. Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration ("firms"). The individual representative will receive all or a portion of the compensation, depending on the practice of the firm. For more information on investment professional compensation, please refer to the **DISTRIBUTION AND COMPENSATION** section and the **Commissions Paid To Broker-Dealers** subsection of the prospectus.  |
| **Exchanges** | Some investment professionals may have a financial incentive to offer you a contract in place of the one you already own. You should only exchange your existing life insurance contract if you determine after comparing the features, fees, and risks of both contracts, that it is preferable to purchase the contract, rather than continue to own your existing contract. For more information on exchanges, please refer to the paragraph titled **Replacement Of a Contract** in the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. |

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**OVERVIEW OF THE CONTRACT**

*The following is a brief overview of some significant aspects of the Contract. We provide more complete and detailed information in the other sections of this summary prospectus, and in the prospectus, the statement of additional information, and the Contract.*

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| | |
|:---|:---|
| **Purpose Of the Contract** | ***VUL Protector®*** is a form of variable universal life insurance. A Death Benefit is paid upon the death of the insured person. In addition to life insurance coverage, the Contract provides the opportunity to earn a return through the available investment options. This Contract is designed for Contract Owners seeking benefits on a long-term basis and as such is not appropriate as a short-term investment or savings vehicle. Contract Owners should consider whether this Contract meets their financial goals, liquidity needs and investment time horizon. |
| **Premiums** | The Contract offers flexibility in paying premiums. With certain exceptions, you choose the timing and the amount of premium payments. Payment of insufficient premiums may result in a lapse of the Contract. Premiums that exceed the Sales Load Target Premium will be subjected to higher premium charges. Under certain circumstances we reserve the right to refuse to accept premium payments.<br>You may choose to invest your Contract's premiums and its earnings in one or more of the available Variable Investment Options. A complete list of the available Funds is included in Appendix A to the prospectus and included below. You may also choose to invest your Contract's premiums and its earnings in the Fixed Rate Option, which pays a guaranteed interest rate. Some investment options are not available through all broker-dealers.  |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

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| | |
|:---|:---|
| **Contract Features** | Some Contract forms, features, and/or riders may not be available through all broker-dealers. <br>**Types Of Death Benefit –** You may choose from two types of Death Benefit. You may change from one Death Benefit type to another, subject to limitations, and charges may apply. <br>• Type A (fixed): the Death Benefit is generally the Basic Insurance Amount you chose. <br>• Type B (variable): the Death Benefit is generally the Basic Insurance Amount plus the value of the Contract Fund. <br>**No-Lapse Guarantee –** The Contract includes at no additional cost a Limited No-Lapse Guarantee. This provides a conditional guarantee that can keep your Contract in effect regardless of investment performance or Contract Fund value during the first five Contract Years.<br>**Riders –** Contract Owners may be eligible to select extra benefits called "riders." The charges associated with each rider are presented in the **FEE TABLE** section of the prospectus. Except as noted, all riders are only available at Contract issuance. Riders include:<br>• Accidental Death Benefit Rider: Pays an additional Death Benefit if the insured's death is accidental.<br>• BenefitAccess Rider: Provides an early payment of the Death Benefit, adjusted to reflect current value, if the insured becomes Chronically Ill or Terminally Ill.<br>• Children Level Term Rider: Provides life insurance coverage on the insured's children.<br>• Enhanced Disability Benefit Rider: Pays a monthly benefit amount into the Contract if the insured is totally disabled.<br>• Lapse Protection Rider: Provides a conditional guarantee against Contract lapse starting in the sixth Contact Year.<br>• Living Needs Benefit<sup>SM</sup> Rider: Provides an early payment of all or part of the Death Benefit, adjusted to reflect current value, if the insured becomes terminally ill. This rider may be added after Contract issuance.<br>• Overloan Protection Rider: Provides for protection against lapse if your outstanding loan(s), including interest, exceeds the cash value of your Contract.<br>**Loans –** You may borrow money from us using your Contract as security for the loan. There is no minimum loan amount. Interest charges will apply. All loans after the 10<sup>th</sup> Contract Anniversary will be considered preferred loans and are charged a lower annual interest rate. <br>**Withdrawals –** Under certain circumstances and limitations, you may withdraw a part of the Contract's Cash Surrender Value without surrendering the Contract. <br>**Surrendering the Contract –** A Contract may be surrendered for its Cash Surrender Value while the insured is living. A surrender charge may apply. <br>**Canceling the Contract (Right To Cancel or "Free Look") –** You may return the Contract for a refund within 10 days after you receive it. |

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**STANDARD DEATH BENEFITS**

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| | |
|:---|:---|
| **Death Benefit Coverage** | Generally, the Contract may be issued on insureds through age 85. Currently, the minimum Basic Insurance Amount for a Contract issued for insureds ages 18 through 75 is $75,000 ($50,000 for insureds issue ages 0 through 17, $100,000 for insureds issue ages 76 through 80, and $250,000 for insureds issue ages 81 and above). Certain riders have issue age and Basic Insurance Amount requirements and may not be available with all Contracts. <br>We require evidence of insurability, which may include a medical examination, before issuing any Contract. There is no insurance under this Contract until the minimum initial premium is paid. If a medical examination is required, the Contract Date will ordinarily be the date the examination is completed. Under certain circumstances, we may allow the Contract to be backdated up to six months prior to the application date for the purpose of lowering the insured's issue age. This may be advantageous for some Contract Owners as a lower issue age may result in lower current charges. For more information please refer to the **REQUIREMENTS FOR ISSUANCE OF A CONTRACT** section in the prospectus. |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

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| | |
|:---|:---|
| **Types Of Death Benefit** | When you apply for a Contract, you must select from two types of Death Benefit (referred to as "Type A" and "Type B"). <br>A Type A (fixed) Death Benefit will generally equal the Basic Insurance Amount. Withdrawals from a Type A Contract generally result in a reduction of the Basic Insurance Amount by the amount of the withdrawal and will result in the deduction of any applicable surrender charge.<br>A Type B (variable) Death Benefit will generally equal the Basic Insurance Amount plus the Contract Fund. Due to a higher Net Amount At Risk, a Type B Death Benefit has a greater cost of insurance charge than a Type A Death Benefit. <br>We may increase the Death Benefit to ensure that the Contract will satisfy the Internal Revenue Code's definition of life insurance. You may change the type of Death Benefit any time after issue, subject to Contract limitations and our approval, by sending us a request in Good Order to our Service Office. For more information please refer to the **Types Of Death Benefit** and **Changing the Type Of Death Benefit** subsections in the prospectus. |
| **Changing the Basic Insurance Amount** | You may not increase the Basic Insurance Amount after issue. You have the option of decreasing the Basic Insurance Amount of your Contract without withdrawing any Cash Surrender Value, subject to Contract limitations and our approval. A decrease may have tax ramifications. For more information please refer to the **Decreasing the Basic Insurance Amount** subsection in the prospectus. |
| **Death Claim Settlement Options** | You must designate a beneficiary of the Death Benefits. You may change the beneficiary, provided the beneficiary is not designated as irrevocable, by sending us a request. If a beneficiary has been designated by you as "irrevocable" it cannot be changed thereafter without the consent of the irrevocable beneficiary. The beneficiary may choose to receive death claim proceeds by any of the settlement options available at the time the proceeds become payable, including by payment of a lump sum check. For more information please refer to the **PERSONS HAVING RIGHTS UNDER THE CONTRACT** section and the **Death Claim Settlement Options** subsection of the prospectus.  |
| **When Death Benefit Proceeds Are Paid** | Generally, we will pay any Death Benefit within seven days after all the documents required for such a payment are received in Good Order at the office designated to receive that request. The Death Benefit is determined as of the date of death. The Death Benefit will reflect the amount of any Contract Debt and, if the insured(s) dies while the Contract is in default, all unpaid monthly deductions. For more information please refer to the **When Death Benefit Proceeds Are Paid** subsection of the prospectus.  |

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**OTHER BENEFITS AVAILABLE UNDER THE CONTRACT**

In addition to the standard death benefit(s) associated with your Contract, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. For more information please refer to the **LIMITED NO-LAPSE GUARANTEE, RIDERS,** and **FEE TABLE** sections of the prospectus.

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| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| Limited No-Lapse Guarantee<sup>(1)</sup> | Provides limited guarantee against Contract lapse for first five Contract Years. Contract will not lapse as a result of unfavorable investment performance, subject to limitations. | Standard | • Withdrawals may void the guarantee.<br>• Outstanding Contract loans will void the guarantee.<br>• Only available if you have no Contract Debt and your Accumulated Net Payments is greater than the No-Lapse Guarantee Value. |
| Accidental Death Benefit Rider<sup>(1)</sup> | Provides an additional Death Benefit that is payable if the insured's death is accidental. | Optional | • Death resulting from injury must occur no more than 90 days after the injury.<br>• Benefit will end on the earlier of: the end of the day before the first Contract Anniversary on or after the insured's 100<sup>th</sup> birthday or the first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office.<br>• Payments will not be paid for any death or injury that is caused or contributed to by war or an act of war.<br>• Not available on Contracts that have the Overloan Protection Rider. |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

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| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit, continued** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| BenefitAccess Rider<sup>(1)</sup> | Provides for an acceleration of the Death Benefit if the insured becomes Chronically Ill or Terminally Ill. | Optional | • Benefits are subject to certain eligibility requirements, and approval of the claim.<br>• A minimum Basic Insurance Amount of $100,000 is required for a Contract to be issued with the BenefitAccess Rider.<br>• Not available on Contracts that include the Enhanced Disability Benefit Rider or the Living Needs Benefit<sup>SM</sup> Rider. |
| Children Level Term Rider<sup>(1)</sup> | Provides term life insurance coverage on the life of the insured's covered children. | Optional | Coverage on each dependent insured will end on the earliest of:<br>• The end of the day before the first Contract Anniversary on or after the primary insured's 75<sup>th</sup> birthday;<br>• The end of the day before the first Contract Anniversary on or after the child's 25<sup>th</sup> birthday;<br>• The end of the day before the date a rider is converted to a new Contract; and<br>• The first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office. |
| Enhanced Disability Benefit Rider<sup>(1)</sup> | Pays a monthly benefit amount into the Contract if the insured is totally disabled. | Optional | • Coverage will end as of the first Contract Anniversary on or after the insured's 65<sup>th</sup> birthday.<br>• Payments will not be paid for any death or injury that is caused or contributed to by war or an act of war.<br>• Not available with Contracts that include the BenefitAccess Rider. |
| Lapse Protection Rider<sup>(1)</sup> | Provides guarantee that, beginning in the sixth Contract Year, the Contract will be kept in force and will not lapse. | Optional | • Outstanding Contract loans will void the guarantee.<br>• Only available if the No-Lapse Guarantee Value is greater than zero and there is no Contract Debt.<br>• The rider (and guarantee) ends on the Contract Anniversary on or following the insured's 91<sup>st</sup> birthday. |
| Living Needs Benefit<sup>SM</sup> Rider<sup>(2)</sup> | Allows you to elect to receive an accelerated payment of all or part of the Death Benefit, adjusted to reflect current value, if the insured becomes Terminally Ill. | Optional | • Requires certification of a physician for benefits to be paid.<br>• No benefit will be payable if you are required to elect it in order to meet the claims of creditors or to obtain a government benefit.<br>• With the exception of certain business-related Contracts, this benefit is excluded from income if the insured is Terminally Ill.<br>• Not available with Contracts that include the BenefitAccess Rider. |
| Overloan Protection Rider<sup>(2)</sup> | If exercised, guarantees protection against Contract lapse due to loans, even if the Contract Debt exceeds the cash value of the Contract. | Optional | • Only available when Guideline Premium<sup>(3)</sup> is selected as the definition of life insurance test.<br>• Subject to various eligibility requirements, including the Contract must be in force for the later of 15 years and the Contract Anniversary after the insured's 75<sup>th</sup> birthday.<br>• If this rider is exercised, most riders will be terminated and most Contract changes and transactions will be prohibited.<br>• Not available on Contracts that have the Accidental Death Benefit Rider. |

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&nbsp;&nbsp;&nbsp;&nbsp;(1)Rider benefits will no longer be available if the Contract lapses or if you choose to keep the Contract in force under the Overloan Protection Rider.

&nbsp;&nbsp;&nbsp;&nbsp;(2)Rider benefits will no longer be available if the Contract lapses.

&nbsp;&nbsp;&nbsp;&nbsp;(3)Under the Guideline Premium Test, there is a limit as to the amount of premium that can be paid into the Contract in relation to the Death Benefit. In addition, there is a minimum ratio of Death Benefit to cash value associated with this test.

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

**PREMIUMS**

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| | |
|:---|:---|
| **Minimum Initial Premium** | The minimum initial premium is due on or before the Contract Date. It is the premium needed to start the Contract. The minimum initial premium is equal to 8.6% of the Limited No-Lapse Guarantee Premium, including all extras and additional premiums for optional riders and benefits. We may require an additional premium if deductions from the premium payments and any Contract Fund charges due on or before the payment date exceed the minimum initial premium. There is no insurance under the Contract unless at least the minimum initial premium is paid. For more information please refer to the **Minimum Initial Premium** subsection in the prospectus. |
| **Subsequent Premiums** | After the minimum initial premium is paid, no other specific premiums are required and you have a certain amount of flexibility with respect to the amount and timing for future premium payments. However, there are certain premiums required to maintain the no-lapse guarantees offered under the Contract. Two possible patterns of premiums are described below. <br>• The Single No-Lapse Premium is a premium that, if paid on the Contract Date, will keep the Contract in force for at least the duration of the targeted guarantee period, regardless of investment performance and assuming no loans, withdrawals, or Contract changes.<br>• The Modal No-Lapse Premiums are premiums that, if paid on the Contract Date and each modal date, will keep the Contract in force for at least the duration of the targeted guarantee period, regardless of investment performance and assuming no loans, withdrawals, or Contract changes. <br>You should note that either one or both of the premiums defined above may not be payable as desired if you elect the Guideline Premium Test for the definition of life insurance test.<br>If the Contract subsequently enters default, we will tell you the amount you need to pay to keep the Contract in force, and when you will need to pay that amount. It's important to know that these additional payment amounts could be substantial. For more information please refer to the **LIMITED NO-LAPSE GUARANTEE** and **PREMIUMS** sections and the **Lapse Protection Rider** subsection in the prospectus. |
| **Paying Your Premiums** | We can bill you for the amount you select annually, semi-annually, or quarterly. Because the Contract is a flexible premium Contract, there are no scheduled premium due dates. When you receive a premium notice, you are not required to pay this amount, however, paying premiums in a different manner than described in a Contract illustration may shorten the duration of your lapse protection provided by the no-lapse guarantees, or even cause your Contract to lapse. When you do make a premium payment, the minimum amount that we will accept is $25.<br>You may also pay premiums automatically through pre-authorized monthly electronic fund transfers from a bank checking account. If you elect to use this feature, you choose the day of the month on which premiums will be paid and the premium amount. We will then draft the same amount from your account on the same date each month. When you apply for the Contract, you and your Pruco Life of New Jersey representative should discuss how frequently you would like to be billed (if at all) and for what amount. For more information please refer to the **PREMIUMS** section in the prospectus. |
| **Limitations On Premiums** | We reserve the right to refuse to accept any payment that would require us to increase the Death Benefit (under Section 7702 of the Internal Revenue Code) by more than the payment increases the Contract Fund. For Contracts with the Guideline Premium Test as the definition of life insurance test, if a premium payment would cause the definition of life insurance to be violated, we will return the portion of the premium in excess of the allowable amount. For more information please refer to the **PREMIUMS** section in the prospectus. |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

**HOW YOUR CONTRACT CAN LAPSE**

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| | |
|:---|:---|
| **Lapse** | We will determine the value of the Contract Fund on each Monthly Date. If the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less, the Contract is in default, unless it remains in force under the Limited No-Lapse Guarantee or the Lapse Protection Rider. The Contract will also be in default if, at any time, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charges, unless it remains in force under the Overloan Protection Rider (if applicable). Should this happen, we will send you a notice of default setting forth the payment which we estimate will keep the Contract in force for three months from the date of default. A 61-day grace period will begin from the date the notice of default is mailed. Your payment must be received or postmarked within the 61-day grace period or the Contract will end and have no value. To prevent your Contract from lapsing, your payment must be in Good Order when received at the Payment Office. A Contract that lapses with an outstanding Contract loan may have tax consequences. For more information please refer to the **LAPSE AND REINSTATEMENT** section in the prospectus. |
| **Reinstatement** | A Contract that lapses may be reinstated within five years from the date of default, if the following conditions are met: <br>(a)We receive a written request for reinstatement in Good Order at our Service Office;<br>(b)Renewed evidence of insurability is provided on the insured, proving the insured remains at the same underwriting classification that applied at the expiration of the grace period; <br>(c)The insured is living on the date the Contract is reinstated; and<br>(d)Submission of certain payments sufficient to bring the Contract's Cash Surrender Value to zero on the date of lapse plus a premium that we estimate will cover all charges and deductions for three months from the date of reinstatement. <br>The reinstatement date will be the date we approve your request. We reserve the right to change the requirements to reinstate a lapsed Contract. For more information please refer to the **LAPSE AND REINSTATEMENT** section in the prospectus. |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

**MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT** 

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| | |
|:---|:---|
| **Loans** | You may borrow an amount up to the current loan value of your Contract less any existing Contract Debt using the Contract as the only security for the loan. The loan value at any time is equal to the sum of (1) 99% of the portion of the cash value attributable to the Variable Investment Options and (2) the balance of the cash value, provided the Contract is not in default. The cash value is equal to the Contract Fund less any surrender charge. A Contract in default has no loan value. There is no minimum loan amount. For more information please refer to the **Loans** subsection in the prospectus. |
| **Withdrawals** | You may withdraw a portion of the Contract's Cash Surrender Value without surrendering the Contract, subject to the following restrictions.<br>(1)We must receive a request for the withdrawal in Good Order at our Service Office.<br>(2)Your Contract's Cash Surrender Value after the withdrawal may not be less than or equal to zero after deducting (a) any charges associated with the withdrawal and (b) an amount that we estimate will be sufficient to cover two months of Contract Fund deductions.<br>(3)The withdrawal amount must be at least $500. <br>(4)The Basic Insurance Amount after withdrawals must be at least equal to the minimum Basic Insurance Amount shown in the Contract.<br>(5)Your Contract must not be in force under the provisions of the Overloan Protection Rider.<br>(6)You must not be receiving Benefit Payments under the BenefitAccess Rider.<br>Whenever a withdrawal is made, the Death Benefit will immediately be reduced by at least the amount of the withdrawal. The withdrawal may also decrease the Basic Insurance Amount. We do not assess a surrender charge for a reduction in Basic Insurance Amount when the reduction is due to a withdrawal.<br>When a withdrawal is made, the Contract Fund is reduced by the withdrawal amount and any charges associated with the withdrawal. An amount equal to the reduction in the Contract Fund will be withdrawn proportionally from the investment options unless you direct otherwise. Withdrawal of any portion of the Cash Surrender Value increases the risk that the Contract Fund may be insufficient to provide Contract benefits. If such a withdrawal is followed by unfavorable investment experience, the Contract may go into default. No withdrawal will be permitted from a Contract with a Type A Death Benefit if it would result in a Basic Insurance Amount of less than the minimum Basic Insurance Amount shown under Contract Limitations in your Contract's data pages. It is important to note, however, that if the Basic Insurance Amount is decreased, there is a possibility that the Contract might be classified as a Modified Endowment Contract. Before making any withdrawal that causes a decrease in Basic Insurance Amount, you should consult with your tax adviser and your financial professional.<br>Withdrawals from a Contract with a Type B (variable) Death Benefit will not change the Basic Insurance Amount. However, under most circumstances, withdrawals from a Contract with a Type A (fixed) Death Benefit require a reduction in the Basic Insurance Amount. <br>A withdrawal may not be repaid except as a premium subject to the applicable premium charge. Upon request, we will tell you how much you may withdraw. Withdrawal of the Cash Surrender Value may have tax consequences. For more information please refer to the **Withdrawals** subsection in the prospectus. |
| **Surrender Of the Contract** | You may surrender your Contract at any time for its Cash Surrender Value while the insured is living. To surrender your Contract, we may require you to deliver or mail the following items in Good Order to a Service Office: (a) the Contract, (b) a signed request for surrender, (c) any tax withholding information required under federal or state law, and (d) the authorization of any assignee or irrevocable beneficiary. The Cash Surrender Value will be determined as of the end of the Valuation Period in which a surrender request is received in Good Order at a Service Office. The Contract's Cash Surrender Value on any date will be the Contract Fund less any applicable surrender charge and less any Contract Debt. Surrender of a Contract will end all benefits under the Contract and may have tax consequences. For more information please refer to the **Surrender Of a Contract** and **How a Contracts Cash Surrender Value Will Vary** subsections in the prospectus. |
| **When Proceeds Are Paid** | Generally, we will pay any Cash Surrender Value, loan proceeds, or withdrawal within seven days after all the documents required for such a payment are received in Good Order at the office designated to receive that request. The amount will be determined as of the end of the Valuation Period in which the necessary documents are received in Good Order at the office designated to receive that request. For more information please refer to the **When Proceeds Are Paid** subsection in the prospectus. |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

**ADDITIONAL INFORMATION ABOUT FEES**

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Your Contract's data pages will provide information about the specific fees you will pay each year based on the options you have elected. For more information please refer to the **CHARGES AND EXPENSES** section in the prospectus.

**The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer cash value between investment options.**

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| | | | |
|:---|:---|:---|:---|
| **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** |
| **Charge** | **When Charge Is Deducted** | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge Is Deducted** | Guaranteed (Maximum) | Current |
| **Premium Charge**<sup>(1)</sup> | Deducted from premium payments. |  |  |
| Up To Sales Load Target Premium: | Deducted from premium payments. | 13.5% | 7.5% |
| In Excess Of Sales Load Target Premium: | Deducted from premium payments. | 37.5% | 10.5% |
| **Surrender Charge**<sup>(2)</sup><br>(Minimum and maximum initial per $1,000 of Basic Insurance Amount.) | Upon lapse, surrender, or decrease in Basic Insurance Amount. | From $3.53 to $43.15 | From $3.53 to $43.15 |
| Initial surrender charge for a representative Contract Owner.<sup>(3)</sup> | Upon lapse, surrender, or decrease in Basic Insurance Amount. | $31.16 | $31.16 |
| **Transfer fee** | Each transfer exceeding 12 in any Contract Year. | $25 | $0 |
| **Withdrawal fee** | Upon withdrawal. | $25 | $0 |
| **Basic Insurance Amount decrease fee** | Upon decrease in Basic Insurance Amount. | $25 | $0 |
| **Contract illustration fee** | Each illustration request exceeding one in any Contract Year. | $25 | $0 |
| **BenefitAccess Rider fee** | One-time charge when the Terminal Illness Option of the rider is exercised. | $150 | $150 |
| **Living Needs Benefit**<sup>SM</sup> **Rider fee** | When benefit is paid. | $150 | $150 |
| **Overloan Protection Rider fee**<br>(Percentage of the Contract Fund amount.) | One-time charge upon exercising the rider benefit. | 3.5% | 3.5% |

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(1)The premium charge is deducted during the first 30 Contract Years.

(2)The surrender charge amount per $1,000 varies based on Contract duration as well as on the individual characteristics of the insured, including issue age, sex, and underwriting classification. The charge decreases to zero by the end of the 14<sup>th</sup> year.

(3)Representative insured is female, age 65, preferred best underwriting class, no ratings or extras.

**The next table describes the Contract fees and expenses that you will pay periodically during the time you own the Contract, not including the Funds' fees and expenses.**

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| | | | |
|:---|:---|:---|:---|
| **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES** |
| **Charge** | **When Charge**<br>**Is Deducted** | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge**<br>**Is Deducted** | Guaranteed (Maximum) | Current |
| **Base Contract Charges:** |  |  |  |
| **Cost Of Insurance ("COI")**<br> for the Basic Insurance Amount.<sup>(1)(2)(3)</sup><br>(Minimum and maximum charge per $1,000 of the Net Amount At Risk.) | Monthly | From $0.00667 to $83.34 | From $0.0057 to $83.34 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.492 | $0.153 |
| **Administrative Charge For Basic Insurance Amount**<sup>(2)(5)</sup><br>(Minimum and maximum charge (charge per $1,000 of Basic Insurance Amount plus a flat fee).) | Monthly | From $0.03 to $1.75, <br>plus $9 | From $0.03 to $1.75, <br>plus $9 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.25 plus $9 | $0.25<sup>(6)</sup> plus $9 |
| **Mortality And Expense Risk Charge**<sup>(7)</sup><br>(Calculated as a percentage of assets in Variable Investment Options.) | Daily | 0.45% | 0.25% |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

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| | | | |
|:---|:---|:---|:---|
| **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES, continued** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES, continued** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES, continued** | **PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES, continued** |
| **Charge** | **When Charge**<br>**Is Deducted** | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge**<br>**Is Deducted** | Guaranteed (Maximum) | Current |
| **Additional Mortality Charge For Certain Risks** <br>associated with health conditions, occupations, avocations, or aviation.<sup>(2)(8)</sup><br>(Flat extra per $1,000 of Basic Insurance Amount.) | Monthly | From $0.105 to $2.09 | From $0.105 to $2.09 |
| **Net Interest On Loans** | Annually | 1% for standard loans.<br>0.05% for preferred loans. | 1% for standard loans.<br>0.05% for preferred loans. |
| **Optional Benefits Charges:** |  |  |  |
| **Accidental Death Benefit Rider**<sup>(2)(5)</sup><br>(Minimum and maximum charge per $1,000 of the coverage amount.) | Monthly | From $0.0427 to $0.273 | From $0.0427 to $0.273 |
| Charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.178 | $0.178 |
| **BenefitAccess Rider**<sup>(1)(2)</sup><br>(Minimum and maximum cost of insurance charge per $1,000 of the Net Amount At Risk.)<br>2% Monthly Benefit Percentage: <br>4% Monthly Benefit Percentage:  | Monthly | <br>From $0.00203 to $14.74<br>From$0.00364 to $22.11 | <br>From $0.00203 to $14.74<br>From $0.00364 to $22.11 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup><br>2% Monthly Benefit Percentage: <br>4% Monthly Benefit Percentage:  | Monthly | $0.0266<br>$0.04 | $0.0266<br>$0.04 |
| **Children Level Term Rider**<br> (Charge per $1,000 of the coverage amount.) | Monthly | $0.42 | $0.42 |
| **Enhanced Disability Benefit Rider**<sup>(2)(5)(9)</sup><br>Minimum and maximum charge (percentage of the monthly benefit amount). | Monthly | From 7.08% to 12.17% | From 7.08% to 12.17% |
| Charge for a representative Contract Owner.<sup>(10)</sup> | Monthly | 12.17% | 12.17% |
| **Lapse Protection Rider**<sup>(11)</sup>****<br> Extended No-Lapse Guarantee cost of insurance charge <br>(Minimum and maximum per $1,000 of the Net Amount At Risk.) | Monthly | <br>From $0.001 to $15.00 | <br>From $0.0003 to $11.67 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.22 | $0.0534 |

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(1)The charge varies based on the individual characteristics of the insured, including such characteristics as age, sex, and underwriting classification, and Contract duration.

(2)The charge shown in the table may not be representative of the charge that a particular Contract Owner will pay. You may obtain more information about the particular charges that apply to you by contacting your Pruco Life of New Jersey representative.

(3)The highest COI rate is for an insured who is a male/female age 120.

(4)Representative insured is female, age 65, preferred best underwriting class, no ratings or extras, with a $250,000 Basic Insurance Amount.

(5)The charge varies based on the individual characteristics of the insured, including such characteristics as age, sex, and underwriting classification.

(6)The duration of the charge is limited.

(7)The daily charge is based on the effective annual rate shown.

(8)The amount and duration of the charge will vary based on individual circumstances including issue age, type of risk, and the frequency of exposure to the risk.

(9)The monthly benefit amount is the greater of: 9% of the Contract's Limited No-Lapse Guarantee Premium (including premiums for riders and flat extras) and the total of all monthly deductions.

(10)Representative insured is female, age 59, preferred best underwriting class, no ratings or extras, with a $250,000 Basic Insurance Amount.

(11)The charge is based on the Attained Age of the insured.

**The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. A complete list of Funds available under the Contract, including their annual expenses, may be found in APPENDIX A of the prospectus.**

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| | | |
|:---|:---|:---|
| **ANNUAL FUND EXPENSES** | **Minimum** | **Maximum** |
| (Expenses that are deducted from the Funds' assets, including management fees, any distribution and/or service (12b-1) fees, and other expenses, but not including reductions for any fee waiver or other reimbursements.) | 0.29% | 2.09% |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

**APPENDIX A: Funds Available Under the Contract**

The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.Prudential.com/eProspectus. You can also request this information at no cost by calling 800-778-2255. Fund prospectuses and other information are also available from a financial intermediary (such as an insurance sales agent or broker-dealer) through which the Contract may be purchased or sold.

The current expense and performance information below reflects fees and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund's past performance is not necessarily an indication of future performance.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** | **Table Of Funds** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Large-Cap Growth | **American Funds Insurance Series® Growth Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.59% | 31.61% | 18.83% | 16.58% |
| Global/International | **American Funds Insurance Series® International Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.78% | 3.16% | 1.23% | 4.01% |
| Large-Cap Value | **American Funds Insurance Series® Washington Mutual Investors Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.50%^ | 19.14% | 12.18% | 10.26% |
| Fixed Income | **AST Core Fixed Income Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *J.P. Morgan Investment Management Inc.; PGIM Fixed Income; PGIM Limited; Wellington Management Company LLP* | 0.68% | 1.44% | (0.93)% | 1.72% |
| Global/International | **AST International Equity Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *Jennison Associates LLC.; J.P. Morgan Investment Management Inc.; Massachusetts Financial Services Company; PGIM Quantitative Solutions LLC; Putnam Investment Management, LLC* | 1.00%^ | 5.46% | 5.52% | 7.25% |
| Large-Cap Blend | **AST Large-Cap Equity Portfolio** - PGIM Investments LLC; AST Investment Services, Inc. / *ClearBridge Investments, LLC.; Dimensional Fund Advisors, LP; J.P. Morgan Investment Management Inc.; PGIM Quantitative Solutions LLC* | 0.83% | 24.15% | 12.51% | 11.09% |
| Large-Cap Growth | **AST Large-Cap Growth Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *ClearBridge Investments, LLC.; Jennison Associates LLC; J.P. Morgan Investment Management Inc.; Putnam Investment Management, LLC; T. Rowe Price Associates, Inc.* | 0.86% | 30.16% | 15.38% | 15.50% |
| Large-Cap Value | **AST Large-Cap Value Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *ClearBridge Investments, LLC; Dimensional Fund Advisors, LP; J.P. Morgan Investment Management Inc.; Hotchkis & Wiley Capital Management, LLC; Putnam Investment Management, LLC* | 0.79%^ | 9.93% | 9.72% | 8.82% |
| Small-Cap Growth | **AST Small-Cap Equity Portfolio** - PGIM Investments LLC; AST Investment Services, Inc. / *Boston Partners Global Investors, Inc.; Dimensional Fund Advisors, LP; Driehaus Capital Management LLC.; Hotchkis & Wiley Capital Management, LLC; TimesSquare Capital Management, LLC* | 0.97%^ | 14.86% | 8.61% | 9.69% |
| Mid-Cap Blend | **ClearBridge Variable Mid Cap Portfolio** (Class II) - Franklin Templeton Fund Adviser, LLC / *ClearBridge Investments, LLC* | 1.06% | 9.73% | 6.35% | 7.02% |
| Fixed Income | **Fidelity® VIP Bond Index Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.39% | 1.00% | (0.72)% | N.A. |
| Large-Cap Growth | **Fidelity® VIP Contrafund**<sup>SM</sup> **Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.81% | 33.45% | 16.74% | 13.33% |
| Small-Cap Blend | **Fidelity® VIP Disciplined Small Cap Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.57% | 16.57% | 10.28% | 8.35% |
| Large-Cap Value | **Fidelity® VIP Energy Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.85% | 4.02% | 12.13% | 4.19% |
| Asset Allocation | **Fidelity® VIP Freedom 2040 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.84% | 12.81% | 8.83% | 8.68% |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Asset Allocation | **Fidelity® VIP Freedom 2055 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.86% | 13.61% | 9.07% | N.A. |
| Asset Allocation | **Fidelity® VIP Freedom 2065 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.87% | 13.61% | 9.07% | N.A. |
| Global/International | **Fidelity® VIP International Index Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) / *Geode Capital Management, LLC (Geode)* | 0.41% | 4.82% | 3.83% | N.A. |
| Mid-Cap Growth | **Fidelity® VIP Mid Cap Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.82% | 17.18% | 11.06% | 8.94% |
| Global Real Estate | **Franklin Global Real Estate VIP Fund** (Class 2) - Franklin Advisers, Inc. | 1.25%^ | (0.32)% | (0.30)% | 2.30% |
| Large-Cap Value | **Franklin Income VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.72%^ | 7.20% | 5.29% | 5.27% |
| Large-Cap Blend | **Franklin Rising Dividends VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.88%^ | 10.79% | 10.30% | 10.44% |
| Small-Cap Value | **Franklin Small Cap Value VIP Fund** (Class 2) - Franklin Mutual Advisers, LLC  | 0.90%^ | 11.71% | 8.36% | 8.17% |
| Fixed Income | **Franklin U.S. Government Securities VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.78% | 1.37% | (0.52)% | 0.53% |
| Large-Cap Blend | **MFS® Emerging Markets Equity Portfolio** (Service Class) - Massachusetts Financial Services Company | 1.48% | 11.31% | 0.24% | 3.14% |
| Large-Cap Growth | **MFS® Growth Series** (Service Class) - Massachusetts Financial Services Company | 0.97% | 31.15% | 14.46% | 14.82% |
| Fixed Income | **MFS® Inflation-Adjusted Bond Portfolio** (Service Class) - Massachusetts Financial Services Company | 0.85% | (4.13)% | (2.47)% | (0.49)% |
| Large-Cap Blend | **MFS® Investors Trust Series** (Service Class) - Massachusetts Financial Services Company | 0.99%^ | 19.22% | 11.12% | 10.81% |
| Mid-Cap Blend | **MFS® Mid Cap Value Portfolio** (Service Class) - Massachusetts Financial Services Company | 1.04% | 13.52% | 9.47% | 8.78% |
| Small-Cap Growth | **MFS® New Discovery Series** (Service Class) - Massachusetts Financial Services Company | 1.12%^ | 6.44% | 4.71% | 8.92% |
| Large-Cap Growth | **MFS® Technology Portfolio** (Service Class) - Massachusetts Financial Services Company | 1.11% | 36.45% | 17.46% | 17.75% |
| Intermediate Core-Plus Bond | **MFS® Total Return Series** (Service Class) - Massachusetts Financial Services Company | 0.86%^ | 7.46% | 5.89% | 6.20% |
| Intermediate Core-Plus Bond | **MFS® Total Return Bond Series** (Service Class) - Massachusetts Financial Services Company | 0.78%^ | 2.33% | 0.14% | 1.64% |
| Specialty | **MFS® Utilities Series** (Service Class) - Massachusetts Financial Services Company | 1.04%^ | 11.34% | 5.61% | 6.02% |
| Large-Cap Value | **MFS® Value Series** (Service Class) - Massachusetts Financial Services Company | 0.94%^ | 11.35% | 7.76% | 8.36% |
| Global/International | **PSF Global Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.71%^ | 15.15% | 8.90% | 9.47% |
| Balanced | **PSF PGIM 50/50 Balanced Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC* | 0.58% | 13.03% | 7.06% | 7.00% |
| Asset Allocation | **PSF PGIM Ballast Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.70% | N.A. | N.A. | N.A. |
| Balanced | **PSF PGIM Flexible Managed Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC* | 0.63% | 15.52% | 8.37% | 8.02% |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Money Market | **PSF PGIM Government Money Market Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income* | 0.33% | 5.02% | 2.30% | 1.56% |
| Fixed Income | **PSF PGIM High Yield Bond Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited* | 0.57%^ | 8.61% | 4.50% | 5.75% |
| Large-Cap Growth | **PSF PGIM Jennison Blend Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.45%^ | 26.32% | 14.25% | 12.30% |
| Large-Cap Growth | **PSF PGIM Jennison Growth Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.60%^ | 30.88% | 17.83% | 16.33% |
| Large-Cap Value | **PSF PGIM Jennison Value Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.42% | 20.97% | 11.18% | 8.73% |
| Large-Cap Core | **PSF PGIM Laddered Allocation S&P 500 Buffer 12 Portfolio** (Class III) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.85% | N.A. | N.A. | N.A. |
| Large-Cap Core | **PSF PGIM Laddered Allocation S&P 500 Buffer 20 Portfolio** (Class III) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.85% | N.A. | N.A. | N.A. |
| Fixed Income | **PSF PGIM Total Return Bond Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited* | 0.43% | 3.00% | 0.26% | 2.37% |
| Small-Cap Blend | **PSF Small-Cap Stock Index Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.38% | 8.36% | 8.02% | 8.66% |
| Large-Cap Blend | **PSF Stock Index Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.29% | 24.65% | 14.19% | 12.80% |
| Global/International | **Putnam VT International Value Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc.; Franklin Templeton Investment Management Limited and The Putnam Advisory Company, LLC* | 1.07% | 5.21% | 6.81% | 5.46% |
| Large-Cap Value | **Putnam VT Large Cap Value Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 0.80% | 19.14% | 12.45% | 10.88% |
| Mid-Cap Growth | **Putnam VT Sustainable Future Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 1.06% | 14.88% | 9.54% | 8.84% |
| Large-Cap Growth | **Putnam VT Sustainable Leaders Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 0.88% | 23.02% | 13.72% | 13.50% |
| Large-Cap Growth | **T. Rowe Price All-Cap Opportunities Portfolio** - T. Rowe Price Associates, Inc. | 0.80%^ | 25.16% | 17.18% | 16.13% |
| Large-Cap Value | **T. Rowe Price Equity Income Portfolio** (Class II) - T. Rowe Price Associates, Inc. | 0.98% | 11.38% | 8.21% | 8.00% |
| Specialty | **T. Rowe Price Health Sciences Portfolio** (Class II) - T. Rowe Price Associates, Inc. | 1.10% | 1.42% | 5.81% | 8.20% |
| Global/International | **T. Rowe Price International Stock Portfolio** - T. Rowe Price Associates, Inc. / *T. Rowe Price International Ltd*  | 0.95%^ | 3.25% | 3.22% | 5.21% |
| Corporate Bond | **T. Rowe Price Limited-Term Bond Portfolio** (Class II) - T. Rowe Price Associates, Inc. / *T. Rowe Price International Ltd and T. Rowe Price Hong Kong Limited* | 0.75%^ | 4.70% | 1.72% | 1.56% |
| Mid-Cap Growth | **T. Rowe Price Mid-Cap Growth Portfolio** (Class II) - T. Rowe Price Associates, Inc. / *T. Rowe Price Investment Management, Inc., T. Rowe Price International Ltd, and T. Rowe Price Hong Kong Limited* | 1.08% | 9.04% | 7.35% | 9.85% |
| Asset Allocation | **T. Rowe Price Moderate Allocation Portfolio** - T. Rowe Price Associates, Inc. / *T. Rowe Price Investment Management, Inc., T. Rowe Price International Ltd, and T. Rowe Price Hong Kong Limited* | 0.86%^ | 10.06% | 5.51% | 6.39% |
| Global/International | **Templeton Global Bond VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.75%^ | (11.37)% | (4.85)% | (2.03)% |
| Asset Allocation | **TOPS® Aggressive Growth ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.54% | 11.99% | 8.25% | 8.14% |

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** | **Table Of Funds, continued** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** | **Average Annual Total Returns**<br>**As Of 12/31/2024** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Asset Allocation | **TOPS® Balanced ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.55% | 6.86% | 4.68% | 4.84% |
| Asset Allocation | **TOPS® Conservative ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.56% | 6.00% | 3.75% | 3.76% |
| Asset Allocation | **TOPS® Growth ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.55% | 10.79% | 7.38% | 7.25% |
| Asset Allocation | **TOPS® Moderate Growth ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC*  | 0.54% | 8.84% | 6.06% | 6.11% |

---

**^**The Fund's annual current expense reflects temporary fee reductions.

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

**GLOSSARY: Definitions Of Special Terms Used In This Summary Prospectus**

**Accumulated Net Payments** – Equal the premiums you paid less any withdrawals you took.

**Activities of Daily Living (ADLs)** – refer to basic human functional abilities including:

1.&nbsp;&nbsp;&nbsp;&nbsp;Bathing - which means washing oneself by sponge bath or in either a tub or shower, including the task of getting into or out of the tub or shower.

2.&nbsp;&nbsp;&nbsp;&nbsp;Continence - which means the ability to maintain control of bowel or bladder function or, when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene, including caring for a catheter or colostomy bag.

3.&nbsp;&nbsp;&nbsp;&nbsp;Dressing - which means putting on and taking off all items of clothing and any necessary braces, fasteners or artificial limbs.

4.&nbsp;&nbsp;&nbsp;&nbsp;Eating - which means feeding oneself by getting food into the body from a receptacle, such as a plate, cup, or table or by feeding tube or intravenously.

5.&nbsp;&nbsp;&nbsp;&nbsp;Toileting - which means getting to and from the toilet, getting on and off the toilet, and performing associated personal hygiene.

6.&nbsp;&nbsp;&nbsp;&nbsp;Transferring - which means moving into or out of a bed, chair or wheelchair.

**Attained Age** – The insured's age on the Contract Date plus the number of years since then.

**Basic Insurance Amount** – The total amount of life insurance as shown in the Contract. Does not include any riders that may be attached to the Contract.

**Benefit Payment** – The periodic or lump sum payment of the accelerated benefit.

**Benefit Year** – Under the Chronic Illness Option of the BenefitAccess Rider, a period of twelve months that begins on the Monthly Date on or following the date all conditions for eligibility have been satisfied. Subsequent Benefit Years will begin no earlier than the end of the current Benefit Year.

**Cash Surrender Value** – The amount payable to the Contract Owner upon surrender of the Contract. It is equal to the Contract Fund minus any Contract Debt and minus any applicable surrender charge. Referred to in the Contract as "Net Cash Value."

**Chronically Ill** – An insured has been certified by a Licensed Health Care Practitioner as:

&nbsp;&nbsp;&nbsp;&nbsp;1.being unable to perform (without Substantial Assistance from another individual) at least two Activities of Daily Living ("ADLs") for a period of at least 90 days due to a loss of functional capacity;

&nbsp;&nbsp;&nbsp;&nbsp;2.having a level of disability similar to the level of disability described above in 1 (as determined by prescribed regulations); or

&nbsp;&nbsp;&nbsp;&nbsp;3.requiring Substantial Supervision for protection from threats to health and safety due to a Severe Cognitive Impairment.

**Contract** – The variable universal life insurance Contract described in this summary prospectus and the prospectus.

**Contract Anniversary** – The same date as the Contract Date in each later year.

**Contract Date** – The date the Contract is effective, as specified in the Contract.

**Contract Debt** – The principal amount of all outstanding loans plus any interest accrued thereon.

**Contract Fund** – The total amount credited to a specific Contract. On any date it is equal to the sum of the amounts in all the Variable Investment Options and the Fixed Rate Option, and the principal amount of any Contract Debt plus any interest earned thereon.

**Contract Owner** – You. Unless a different owner is named in the application, the owner of the Contract is the insured.

**Contract Year** – A year that starts on the Contract Date or on a Contract Anniversary.

**Death Benefit** – If the Contract is not in default, this is the amount we will pay upon the death of the insured, assuming no Contract Debt.

**Fixed Rate Option** – An investment option under which interest is accrued daily at a rate that we declare periodically, but not less than an effective annual rate of 1%.

**Fund** – Amounts you invest in a Variable Investment Option will be invested in a corresponding Fund of the same name. A Fund may also be called a "portfolio" or a "series."

**Good Order** – An instruction utilizing such forms, signatures, and dating as we require, which is sufficiently clear and complete and for which we do not need to exercise any discretion to follow such instructions.

**Licensed Health Care Practitioner** – A physician (as defined in section 1861(r)(1) of the Social Security Act), or any registered nurse, licensed social worker, or other individual whom the United States Secretary of the Treasury may prescribe by regulation. The Licensed Health Care Practitioner must be acting within the scope of his/her license when providing a certification that the insured is Chronically Ill. May not be the insured, the Contract Owner, or a close or extended family or step family member of the insured or Contract Owner.

**Limited No-Lapse Guarantee** – Sufficient premium payments, on an accumulated basis, will guarantee that your Contract will not lapse during the first five Contract Years and a Death Benefit will be paid upon the death of the insured, regardless of investment experience and assuming no loans or withdrawals.

**Limited No-Lapse Guarantee Premiums** – Premiums that, if paid at the beginning of each Contract Year, will keep the Contract in force during the first five Contract Years, regardless of investment performance and assuming no loans or withdrawals.

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INITIAL SUMMARY PROSPECTUS&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; August 18, 2025

**Maximum Monthly Benefit Payment** – The maximum amount that may be paid to you on a monthly basis once a claim has been approved under the Chronic Illness Option of the BenefitAccess Rider. This payment amount will be recalculated at the beginning of every Benefit Year.

**Monthly Benefit Percent** – A factor used in the calculation of the Maximum Monthly Benefit Payment. It is set at the time the Contract is issued and will not change. Depending on the Basic Insurance Amount of your Contract at issue, you may choose 2% or 4%.

**Monthly Date** – The Contract Date and the same date in each subsequent month.

**Net Amount At Risk** – An amount equal to the current Death Benefit, reduced by one month of interest at a 1% annual rate, less the Contract Fund.

**Payment Office** – The office at which we process premium payments, loan payments, and payments to bring your Contract out of default. Your correspondence will be picked up at the address on your bill to which you are directed to send these payments and then delivered to our Payment Office. For items required to be sent to our Payment Office, your correspondence is not considered received by us until it is received at our Payment Office. Where this summary prospectus refers to the day when we receive a premium payment, loan payment or a payment to bring your Contract out of default, we mean the day on which that item (or the last thing necessary for us to process that item) arrives in Good Order at our Payment Office. There are two main exceptions: if the item is received at our Payment Office (1) on a day that is not a business day or (2) after the close of a business day, then, in each case, we are deemed to have received that item on the next business day.

**Pruco Life Insurance Company of New Jersey** – Pruco Life of New Jersey, us, we, our. The company offering the Contract.

**Sales Load Target Premium** – A premium that is used to determine sales load and varies by the insured's issue age, sex, and underwriting classification, as well as any riders selected by the Contract Owner.

**Service Office** – The office at which we process allocation change requests, withdrawal requests, surrender requests, transfer requests, ownership change requests and assignment requests. Correspondence with our Service Office should be sent to P.O. Box 7390, Philadelphia, Pennsylvania 19176. Your correspondence will be picked up at this address and then delivered to our Service Office. For requests required to be sent to our Service Office, your request is not considered received by us until it is received at our Service Office. Where this summary prospectus refers to the day when we receive a request from you, we mean the day on which that item (or the last thing necessary for us to process that item) arrives in Good Order at our Service Office or via the appropriate telephone number, fax number, or website if the item is a type we accept by those means. There are two main exceptions: if the request is received (1) on a day that is not a business day or (2) after the close of a business day, then, in each case, we are deemed to have received that item on the next business day.

**Severe Cognitive Impairment** – A loss or deterioration in intellectual capacity that is (a) comparable to and includes Alzheimer's disease and similar forms of irreversible dementia, and (b) measured by clinical evidence and standardized tests that reliably measure impairment in the individual's (i) short-term or long-term memory, (ii) orientation as to people, places, or time, and (iii) deductive or abstract reasoning.

**Substantial Assistance** – Hands-on assistance and standby assistance.

1. Hands-on assistance is the physical assistance of another person without which the individual would be unable to perform the Activity of Daily Living.

2. Standby assistance is the presence of another person within arm's reach of the individual that is necessary to prevent, by physical intervention, injury to the individual while performing the Activity of Daily Living.

**Substantial Supervision** – Requiring continual supervision by another person that is necessary to protect the Severely Cognitively Impaired individual from threats to health or safety.

**Terminally Ill** – The insured has a medical condition that is reasonably expected to result in the insured's death within six months or less.

**Valuation Period** – The period of time from one determination of the value of the amount invested in a Variable Investment Option to the next. Such determinations are made when the net asset values of the Variable Investment Options are calculated, which would be as of the close of regular trading on the New York Stock Exchange (generally 4:00 p.m. Eastern time).

**Variable Investment Options** – The investment options of the Pruco Life of New Jersey Variable Appreciable Account ("the Account"). When you choose a Variable Investment Option, we purchase shares of the Fund that corresponds to that option. We hold these shares in the Account.

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**To Learn More About:**

***VUL Protector®***

issued by

**Pruco Life Insurance Company of New Jersey**

**213 Washington Street**

**Newark, New Jersey 07102**

We have filed with the Securities and Exchange Commission a prospectus and a statement of additional information ("SAI") dated August 18, 2025, under the Securities Act of 1933, Registration No. 333-286564, that include additional information about the Contract, the company, and Pruco Life of New Jersey Variable Appreciable Account. The prospectus and SAI are incorporated by reference into this summary prospectus. The SEC maintains a website (www.SEC.gov) that contains the ***VUL Protector®*** prospectus, SAI, material incorporated by reference, and other information about us; copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: PublicInfo@SEC.gov.

You can call us at 800-778-2255 to ask us questions, request information about the Contract, and obtain copies of the prospectus, SAI, or other documents without charge. You can also view the SAI located with the prospectus at www.Prudential.com/eProspectus, or request a copy by writing to us at the address above.

EDGAR Class/Contract Identifier: C000261760

Investment Company Act of 1940: Registration No. 811-03974

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