# EDGAR Filing Document

**Accession Number:** 0000741313
**File Stem:** 0000741313-25-000216
**Filing Date:** 2025-12
**Character Count:** 403819
**Document Hash:** 8792c50451dda750d18c9d938632af4f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000741313-25-000216.hdr.sgml**: 20251230

**ACCESSION NUMBER**: 0000741313-25-000216

**CONFORMED SUBMISSION TYPE**: POS AM

**PUBLIC DOCUMENT COUNT**: 15

**FILED AS OF DATE**: 20251230

**DATE AS OF CHANGE**: 20251230

**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:** POS AM
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-289933
- **FILM NUMBER:** 251613463

**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

?xml version='1.0' encoding='ASCII'? ck0000741313-20251230

---

| | |
|:---|:---|
| **As filed with the SEC on <u>December 30, 2025</u> .**  | **Registration Nos. 333-289933** |
| **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. ___ | &nbsp;&nbsp;&nbsp;&nbsp;**☐** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Post-Effective Amendment No. _<u>1</u>_ | &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. 265 | &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

**December 30, 2025**

***PruLife® SVUL Protector***

AN INDIVIDUAL, FLEXIBLE PREMIUM, SURVIVORSHIP, 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* ***PruLife® SVUL Protector*** *Contract (2025) is offered on or after December 30, 2025, under form number SVULPR-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 ***PruLife® SVUL 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 *PruLife® SVUL 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 *PruLife® SVUL Protector* is not a bank deposit and is not insured by the Federal Deposit Insurance Corporation ("FDIC") or any other governmental agency.**

------

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------

**TABLE OF CONTENTS** 

---

| | |
|:---|:---|
| | **Page** |
| **<u>[KEY INFORMATION](#ia682b4ecc6fe4acd9d1372ae86c91714_13)</u>** | **<u>[1](#ia682b4ecc6fe4acd9d1372ae86c91714_13)</u>** |
| **<u>[OVERVIEW OF THE CONTRACT](#ia682b4ecc6fe4acd9d1372ae86c91714_19)</u>** | **<u>[3](#ia682b4ecc6fe4acd9d1372ae86c91714_19)</u>** |
| **<u>FEE TABLE</u>** | **<u>[4](#ia682b4ecc6fe4acd9d1372ae86c91714_22)</u>** |
| **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#ia682b4ecc6fe4acd9d1372ae86c91714_28)</u>** | **<u>[5](#ia682b4ecc6fe4acd9d1372ae86c91714_28)</u>** |
| **<u>[GENERAL DESCRIPTIONS OF THE DEPOSITOR, THE REGISTRANT, AND THE FUNDS](#ia682b4ecc6fe4acd9d1372ae86c91714_31)</u>** | **<u>[6](#ia682b4ecc6fe4acd9d1372ae86c91714_31)</u>** |
| <u>[Pruco Life Insurance Company of New Jersey](#ia682b4ecc6fe4acd9d1372ae86c91714_34)</u> | <u>[6](#ia682b4ecc6fe4acd9d1372ae86c91714_34)</u> |
| <u>[The Pruco Life Of New Jersey Variable Appreciable Account](#ia682b4ecc6fe4acd9d1372ae86c91714_37)</u> | <u>[6](#ia682b4ecc6fe4acd9d1372ae86c91714_37)</u> |
| <u>[The Funds](#ia682b4ecc6fe4acd9d1372ae86c91714_40)</u> | <u>[7](#ia682b4ecc6fe4acd9d1372ae86c91714_40)</u> |
| <u>[Service Fees Payable To Pruco Life of New Jersey](#ia682b4ecc6fe4acd9d1372ae86c91714_43)</u> | <u>[8](#ia682b4ecc6fe4acd9d1372ae86c91714_43)</u> |
| <u>[AST Funds](#ia682b4ecc6fe4acd9d1372ae86c91714_46)</u> | <u>[8](#ia682b4ecc6fe4acd9d1372ae86c91714_46)</u> |
| <u>[Voting Rights](#ia682b4ecc6fe4acd9d1372ae86c91714_49)</u> | <u>[8](#ia682b4ecc6fe4acd9d1372ae86c91714_49)</u> |
| <u>[Substitution Of Variable Investment Options](#ia682b4ecc6fe4acd9d1372ae86c91714_52)</u> | <u>[9](#ia682b4ecc6fe4acd9d1372ae86c91714_52)</u> |
| <u>[The Fixed Rate Option](#ia682b4ecc6fe4acd9d1372ae86c91714_55)</u> | <u>[9](#ia682b4ecc6fe4acd9d1372ae86c91714_55)</u> |
| **<u>[CHARGES AND EXPENSES](#ia682b4ecc6fe4acd9d1372ae86c91714_58)</u>** | **<u>[9](#ia682b4ecc6fe4acd9d1372ae86c91714_58)</u>** |
| <u>[Premium Charge](#ia682b4ecc6fe4acd9d1372ae86c91714_61)</u> | <u>[10](#ia682b4ecc6fe4acd9d1372ae86c91714_61)</u> |
| <u>[Surrender Charge](#ia682b4ecc6fe4acd9d1372ae86c91714_67)</u> | <u>[10](#ia682b4ecc6fe4acd9d1372ae86c91714_67)</u> |
| <u>[Cost Of Insurance](#ia682b4ecc6fe4acd9d1372ae86c91714_70)</u> | <u>[10](#ia682b4ecc6fe4acd9d1372ae86c91714_70)</u> |
| <u>[Administrative Charge For Basic Insurance Amount](#ia682b4ecc6fe4acd9d1372ae86c91714_73)</u> | <u>[11](#ia682b4ecc6fe4acd9d1372ae86c91714_73)</u> |
| <u>[Mortality And Expense Risk Charge](#ia682b4ecc6fe4acd9d1372ae86c91714_76)</u> | <u>[11](#ia682b4ecc6fe4acd9d1372ae86c91714_76)</u> |
| <u>[Additional Mortality Charge For Certain Risks](#ia682b4ecc6fe4acd9d1372ae86c91714_79)</u> | <u>[11](#ia682b4ecc6fe4acd9d1372ae86c91714_79)</u> |
| <u>[Transaction Charges](#ia682b4ecc6fe4acd9d1372ae86c91714_82)</u> | <u>[11](#ia682b4ecc6fe4acd9d1372ae86c91714_82)</u> |
| <u>[Charges For Rider Coverage](#ia682b4ecc6fe4acd9d1372ae86c91714_85)</u> | <u>[12](#ia682b4ecc6fe4acd9d1372ae86c91714_85)</u> |
| <u>[Net Interest On Loans](#ia682b4ecc6fe4acd9d1372ae86c91714_88)</u> | <u>[12](#ia682b4ecc6fe4acd9d1372ae86c91714_88)</u> |
| <u>[Fund Expenses](#ia682b4ecc6fe4acd9d1372ae86c91714_91)</u> | <u>[12](#ia682b4ecc6fe4acd9d1372ae86c91714_91)</u> |
| <u>[Allocated Charges](#ia682b4ecc6fe4acd9d1372ae86c91714_94)</u> | <u>[12](#ia682b4ecc6fe4acd9d1372ae86c91714_94)</u> |
| <u>[Charges After Age 121](#ia682b4ecc6fe4acd9d1372ae86c91714_97)</u> | <u>[12](#ia682b4ecc6fe4acd9d1372ae86c91714_97)</u> |
| <u>[Commissions Paid To Broker-Dealers](#ia682b4ecc6fe4acd9d1372ae86c91714_100)</u> | <u>[12](#ia682b4ecc6fe4acd9d1372ae86c91714_100)</u> |
| **<u>[PERSONS HAVING RIGHTS UNDER THE CONTRACT](#ia682b4ecc6fe4acd9d1372ae86c91714_103)</u>** | **<u>[12](#ia682b4ecc6fe4acd9d1372ae86c91714_103)</u>** |
| <u>[Contract Owner](#ia682b4ecc6fe4acd9d1372ae86c91714_106)</u> | <u>[12](#ia682b4ecc6fe4acd9d1372ae86c91714_106)</u> |
| <u>[Beneficiary](#ia682b4ecc6fe4acd9d1372ae86c91714_109)</u> | <u>[13](#ia682b4ecc6fe4acd9d1372ae86c91714_109)</u> |
| **<u>[OTHER GENERAL CONTRACT PROVISIONS](#ia682b4ecc6fe4acd9d1372ae86c91714_112)</u>** | **<u>[13](#ia682b4ecc6fe4acd9d1372ae86c91714_112)</u>** |
| <u>[Canceling the Contract](#ia682b4ecc6fe4acd9d1372ae86c91714_115)</u> | <u>[13](#ia682b4ecc6fe4acd9d1372ae86c91714_115)</u> |
| <u>[Assignment](#ia682b4ecc6fe4acd9d1372ae86c91714_118)</u> | <u>[13](#ia682b4ecc6fe4acd9d1372ae86c91714_118)</u> |
| <u>[Incontestability](#ia682b4ecc6fe4acd9d1372ae86c91714_121)</u> | <u>[13](#ia682b4ecc6fe4acd9d1372ae86c91714_121)</u> |
| <u>[Misstatement Of Age Or Sex](#ia682b4ecc6fe4acd9d1372ae86c91714_124)</u> | <u>[13](#ia682b4ecc6fe4acd9d1372ae86c91714_124)</u> |
| <u>[Simultaneous Death](#ia682b4ecc6fe4acd9d1372ae86c91714_127)</u> | <u>[13](#ia682b4ecc6fe4acd9d1372ae86c91714_127)</u> |
| <u>[Suicide Exclusion](#ia682b4ecc6fe4acd9d1372ae86c91714_130)</u> | <u>[13](#ia682b4ecc6fe4acd9d1372ae86c91714_130)</u> |
| **<u>[STANDARD DEATH BENEFITS](#ia682b4ecc6fe4acd9d1372ae86c91714_133)</u>** | **<u>[13](#ia682b4ecc6fe4acd9d1372ae86c91714_133)</u>** |
| <u>[Types Of Death Benefit](#ia682b4ecc6fe4acd9d1372ae86c91714_136)</u> | <u>[13](#ia682b4ecc6fe4acd9d1372ae86c91714_136)</u> |
| <u>[Changing the Type Of Death Benefit](#ia682b4ecc6fe4acd9d1372ae86c91714_139)</u> | <u>[14](#ia682b4ecc6fe4acd9d1372ae86c91714_139)</u> |
| <u>[Decreasing the Basic Insurance Amount](#ia682b4ecc6fe4acd9d1372ae86c91714_142)</u> | <u>[15](#ia682b4ecc6fe4acd9d1372ae86c91714_142)</u> |
| <u>[Death Claim Settlement Options](#ia682b4ecc6fe4acd9d1372ae86c91714_145)</u> | <u>[15](#ia682b4ecc6fe4acd9d1372ae86c91714_145)</u> |
| <u>[When Death Benefit Proceeds Are Paid](#ia682b4ecc6fe4acd9d1372ae86c91714_148)</u> | <u>[15](#ia682b4ecc6fe4acd9d1372ae86c91714_148)</u> |
| **<u>[OTHER BENEFITS AVAILABLE UNDER THE CONTRACT](#ia682b4ecc6fe4acd9d1372ae86c91714_151)</u>** | **<u>[15](#ia682b4ecc6fe4acd9d1372ae86c91714_151)</u>** |
| <u>[Limited No-Lapse Guarantee](#ia682b4ecc6fe4acd9d1372ae86c91714_154)</u> | <u>[16](#ia682b4ecc6fe4acd9d1372ae86c91714_154)</u> |

---

------

---

| | |
|:---|:---|
| <u>[Estate Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_163)</u> | <u>[17](#ia682b4ecc6fe4acd9d1372ae86c91714_163)</u> |
| <u>[Guaranteed Contract Split Option Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_166)</u> | <u>[17](#ia682b4ecc6fe4acd9d1372ae86c91714_166)</u> |
| <u>[Lapse Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_160)</u> | <u>[17](#ia682b4ecc6fe4acd9d1372ae86c91714_160)</u> |
| <u>[Overloan Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_169)</u> | <u>[18](#ia682b4ecc6fe4acd9d1372ae86c91714_169)</u> |
| **<u>[REQUIREMENTS FOR ISSUANCE OF A CONTRACT](#ia682b4ecc6fe4acd9d1372ae86c91714_172)</u>** | **<u>[18](#ia682b4ecc6fe4acd9d1372ae86c91714_172)</u>** |
| <u>[Contract Date](#ia682b4ecc6fe4acd9d1372ae86c91714_175)</u> | <u>[19](#ia682b4ecc6fe4acd9d1372ae86c91714_175)</u> |
| **<u>[PREMIUMS](#ia682b4ecc6fe4acd9d1372ae86c91714_178)</u>** | **<u>[19](#ia682b4ecc6fe4acd9d1372ae86c91714_178)</u>** |
| <u>[Minimum Initial Premium](#ia682b4ecc6fe4acd9d1372ae86c91714_181)</u> | <u>[19](#ia682b4ecc6fe4acd9d1372ae86c91714_181)</u> |
| <u>[Available Types of Premium](#ia682b4ecc6fe4acd9d1372ae86c91714_184)</u> | <u>[19](#ia682b4ecc6fe4acd9d1372ae86c91714_184)</u> |
| <u>[Premium Allocation And Limitations](#ia682b4ecc6fe4acd9d1372ae86c91714_187)</u> | <u>[20](#ia682b4ecc6fe4acd9d1372ae86c91714_187)</u> |
| <u>[Processing And Valuing Transactions](#ia682b4ecc6fe4acd9d1372ae86c91714_190)</u> | <u>[20](#ia682b4ecc6fe4acd9d1372ae86c91714_190)</u> |
| <u>[Transfers And Restrictions On Transfers](#ia682b4ecc6fe4acd9d1372ae86c91714_193)</u> | <u>[20](#ia682b4ecc6fe4acd9d1372ae86c91714_193)</u> |
| <u>[Dollar Cost Averaging](#ia682b4ecc6fe4acd9d1372ae86c91714_196)</u> | <u>[22](#ia682b4ecc6fe4acd9d1372ae86c91714_196)</u> |
| <u>[Auto-Rebalancing](#ia682b4ecc6fe4acd9d1372ae86c91714_199)</u> | <u>[22](#ia682b4ecc6fe4acd9d1372ae86c91714_199)</u> |
| **<u>[CONTRACT VALUES](#ia682b4ecc6fe4acd9d1372ae86c91714_202)</u>** | **<u>[22](#ia682b4ecc6fe4acd9d1372ae86c91714_202)</u>** |
| <u>[How a Contract's Cash Surrender Value Will Vary](#ia682b4ecc6fe4acd9d1372ae86c91714_205)</u> | <u>[22](#ia682b4ecc6fe4acd9d1372ae86c91714_205)</u> |
| <u>[Loans](#ia682b4ecc6fe4acd9d1372ae86c91714_208)</u> | <u>[22](#ia682b4ecc6fe4acd9d1372ae86c91714_208)</u> |
| <u>[Withdrawals](#ia682b4ecc6fe4acd9d1372ae86c91714_211)</u> | <u>[23](#ia682b4ecc6fe4acd9d1372ae86c91714_211)</u> |
| <u>[Surrender Of a Contract](#ia682b4ecc6fe4acd9d1372ae86c91714_214)</u> | <u>[24](#ia682b4ecc6fe4acd9d1372ae86c91714_214)</u> |
| <u>[When Proceeds Are Paid](#ia682b4ecc6fe4acd9d1372ae86c91714_217)</u> | <u>[24](#ia682b4ecc6fe4acd9d1372ae86c91714_217)</u> |
| **<u>[LAPSE AND REINSTATEMENT](#ia682b4ecc6fe4acd9d1372ae86c91714_220)</u>** | **<u>[24](#ia682b4ecc6fe4acd9d1372ae86c91714_220)</u>** |
| **<u>[TAXES](#ia682b4ecc6fe4acd9d1372ae86c91714_223)</u>** | **<u>[25](#ia682b4ecc6fe4acd9d1372ae86c91714_223)</u>** |
| <u>[Tax Treatment Of Contract Benefits](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</u> | <u>[25](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</u> |
| <u>[Company Taxes](#ia682b4ecc6fe4acd9d1372ae86c91714_229)</u> | <u>[27](#ia682b4ecc6fe4acd9d1372ae86c91714_229)</u> |
| **<u>[DISTRIBUTION AND COMPENSATION](#ia682b4ecc6fe4acd9d1372ae86c91714_232)</u>** | **<u>[27](#ia682b4ecc6fe4acd9d1372ae86c91714_232)</u>** |
| **<u>[LEGAL PROCEEDINGS](#ia682b4ecc6fe4acd9d1372ae86c91714_235)</u>** | **<u>[28](#ia682b4ecc6fe4acd9d1372ae86c91714_235)</u>** |
| **<u>[FINANCIAL STATEMENTS](#ia682b4ecc6fe4acd9d1372ae86c91714_238)</u>** | **<u>[28](#ia682b4ecc6fe4acd9d1372ae86c91714_238)</u>** |
| **<u>[ADDITIONAL INFORMATION](#ia682b4ecc6fe4acd9d1372ae86c91714_241)</u>** | **<u>[28](#ia682b4ecc6fe4acd9d1372ae86c91714_241)</u>** |
| **<u>[APPENDIX A: Funds Available Under the Contract](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</u>** | **A-<u>[i](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</u>** |
| **<u>[GLOSSARY: Definitions Of Special Terms Used In This Prospectus](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</u>** | **B-<u>[i](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</u>** |

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_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 9 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 $6.35 to $24.01 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $2,401. Please also refer to the **<u>[Surrender Charge](#ia682b4ecc6fe4acd9d1372ae86c91714_67)</u>** subsection of this prospectus. | There is no charge to withdraw money from the Contract. However, if within the first 9 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 $6.35 to $24.01 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $2,401. Please also refer to the **<u>[Surrender Charge](#ia682b4ecc6fe4acd9d1372ae86c91714_67)</u>** subsection of this prospectus. | There is no charge to withdraw money from the Contract. However, if within the first 9 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 $6.35 to $24.01 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $2,401. Please also refer to the **<u>[Surrender Charge](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_22)</u>** and **<u>[CHARGES AND EXPENSES](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_22)</u>** and **<u>[CHARGES AND EXPENSES](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_22)</u>** and **<u>[CHARGES AND EXPENSES](#ia682b4ecc6fe4acd9d1372ae86c91714_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 insureds (*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 insureds (*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 insureds (*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](#ia682b4ecc6fe4acd9d1372ae86c91714_22)</u>** section of this prospectus and **<u>[APPENDIX A](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</u>**, which is part of this prospectus.  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#ia682b4ecc6fe4acd9d1372ae86c91714_22)</u>** section of this prospectus and **<u>[APPENDIX A](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</u>**, which is part of this prospectus.  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#ia682b4ecc6fe4acd9d1372ae86c91714_22)</u>** section of this prospectus and **<u>[APPENDIX A](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_220)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_220)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_220)</u>** section of this prospectus. |

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_193)</u>** subsection of this prospectus and **<u>[APPENDIX A](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</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. 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](#ia682b4ecc6fe4acd9d1372ae86c91714_151)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_223)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_232)</u>** section and the **<u>[Commissions Paid To Broker-Dealers](#ia682b4ecc6fe4acd9d1372ae86c91714_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 INVES](#ia682b4ecc6fe4acd9d1372ae86c91714_28)</u>**<u>[T](#ia682b4ecc6fe4acd9d1372ae86c91714_28)</u>**<u>[ING IN THE CONTRACT](#ia682b4ecc6fe4acd9d1372ae86c91714_28)</u>** section of this prospectus. |

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_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>*

***PruLife® SVUL Protector*** is a form of variable universal life insurance providing coverage on the lives of two insureds. A Death Benefit is paid upon the death of the surviving (second-to-die) 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 SVULPR-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 will be subjected to significantly higher premium charges. Under certain circumstances we reserve the right to refuse to accept premium payments. Please refer to the **<u>[PREMIUMS](#ia682b4ecc6fe4acd9d1372ae86c91714_178)</u>** and **<u>[CHARGES AND EXPENSES](#ia682b4ecc6fe4acd9d1372ae86c91714_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 10<sup>th</sup> 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 10<sup>th</sup> 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, 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 three 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.

• Type C (return of premium): the Death Benefit is generally the Basic Insurance Amount plus the total premiums paid into the Contract and less any withdrawals.

**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](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</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 and any withdrawals.

**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 10 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](#ia682b4ecc6fe4acd9d1372ae86c91714_22)</u>**. All riders are only available at Contract issuance. Selectable riders include:

• Estate Protection Rider: Provides for an additional Death Benefit amount if the insureds die within four years of the Contract Date.

• Lapse Protection Rider: Provides a conditional guarantee against Contract lapse starting in the 11<sup>th</sup> Contact Year.

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

**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.

**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 at least one of the insureds is living. A surrender charge may apply.

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

**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](#ia682b4ecc6fe4acd9d1372ae86c91714_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 (pay premiums), 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** | Deducted from premium payments. |  |  |
| Up To Sales Load Target Premium: | Deducted from premium payments. | 15% | 12.43% |
| In Excess Of Sales Load Target Premium: | Deducted from premium payments. | 30% | 17.43% |
| **Surrender Charge**<sup>(1)(2)</sup><br>(Minimum and maximum per $1,000 of Basic Insurance Amount.) | Upon lapse, surrender, or decrease in Basic Insurance Amount. | From $6.35 to $24.01 | From $6.35 to $24.01 |
| Initial surrender charge for a representative Contract Owner.<sup>(3)</sup> | Upon lapse, surrender, or decrease in Basic Insurance Amount. | $15.04 | $15.04 |
| **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 |
| **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 surrender charge amount per $1,000 varies based on the individual characteristics of the insureds, including issue age, sex, and underwriting classification, as well as Contract duration and the addition of optional riders. The charge decreases to zero by the end of the ninth Contract Year.

(2)No optional riders have been added to the Contract.

(3)Representative insureds are male and female, both age 60 and 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:** | **Base Contract Charges:** | **Base Contract Charges:** | **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 $0.00001 to $83.34 | From $0.00001 to $83.34 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.00153 | $0.00003 |
| **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 $0.01 to $1.80, <br>plus $10 | From $0.01 to $1.80, <br>plus $7.50 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.14 plus $10 | $0.14<sup>(6)</sup> plus $7.50 |
| **Mortality And Expense Risk Charge**<sup>(7)</sup><br>(Calculated as a percentage of assets in Variable Investment Options.) | Daily | 0.50% | 0.25% |

---

------

**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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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:** | **Optional Benefits Charges:** | **Optional Benefits Charges:** | **Optional Benefits Charges:** |
| **Estate Protection Rider**<sup>(1)(2)(6)</sup><br>(charge per $1,000 of rider coverage amount) | Monthly | From $0.05001 to $83.39 | From $0.02 to $83.36 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.0512 | $0.02 |
| **Lapse Protection Rider**<sup>(5)</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 $0.00001 to $45.84 | <br>From $0.00001 to $29.17 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.00054 | $0.0196 |

---

(1)The charge per $1,000 varies based on the individual characteristics of the insureds, including such characteristics as age, sex, and underwriting classification, as well as 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 charged for older Attained Ages with worse underwriting classifications.

(4)Representative insureds are male and female, both age 60 and preferred best underwriting class, with a $1,000,000 Basic Insurance Amount.

(5)The charge per $1,000 varies based on the individual characteristics of the insureds, including such characteristics as age, sex, and underwriting classification.

(6)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 per $1,000 will vary based on individual circumstances including issue age, type of risk, and the frequency of exposure to the risk.

**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](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</u>.**

---

| | | |
|:---|:---|:---|
| **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.

------

**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

**Increase In Charges** – In certain 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 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

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_43)</u>**

**<u>[New Jersey](#ia682b4ecc6fe4acd9d1372ae86c91714_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.

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](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</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

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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](#ia682b4ecc6fe4acd9d1372ae86c91714_244)</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 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 Contract 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:

(a)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;

(b)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

(c)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

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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](#ia682b4ecc6fe4acd9d1372ae86c91714_193)</u>**. The payment of any Cash Surrender Value attributable to the Fixed Rate Option may be delayed up to six months. See **<u>[When Proceeds Are Paid](#ia682b4ecc6fe4acd9d1372ae86c91714_217)</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 on each Monthly Date. 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](#ia682b4ecc6fe4acd9d1372ae86c91714_94)</u>**.

When describing the Contract's charges, in certain 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

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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 all 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 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 charge then varies based on Contract duration. The maximum premium charge we may charge in any Contract Year is 15% on amounts up to Sales Load Target Premium and 30% on cumulative premium amounts in excess of Sales Load Target Premium. The current premium charge we charge in any Contract Year is 12.43% on amounts up to Sales Load Target Premium and 17.43% on cumulative premium amounts in excess of Sales Load Target Premium.

The Sales Load Target Premium is determined at the time the Contract is issued based on factors including the insureds' issue ages, sex, and underwriting classifications, as well as any riders selected by the Contract Owner, and does not change provided there are no Contract changes.

The Sales Load Target Premium may vary from the No-Lapse Guarantee Premium, depending on the issue ages and underwriting classification of the insureds, 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](#ia682b4ecc6fe4acd9d1372ae86c91714_178)</u>, <u>[Limited No-Lapse Guarantee](#ia682b4ecc6fe4acd9d1372ae86c91714_154)</u>,** and **<u>[Lapse Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_160)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</u>**.

**Surrender Charge**

We assess a surrender charge if during the first nine 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 each insured's rating class, 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 both insureds die 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 $6.35 to $24.01 per $1,000 of Basic Insurance Amount. For

example, the initial surrender charge for a Contract with insureds that are male and female, both age 60 at Contract issuance, and both preferred best underwriting class, is $15.04 per $1,000 of Basic Insurance Amount. Your actual charge will vary by the insureds' age, sex, and underwriting classification, and Contract duration. A schedule showing the surrender charge 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 ninth year.

The following chart provides an example of the surrender charge applied to a Contract with insureds who are male and female, both age 60 at Contract issuance, and both 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.

---

| | |
|:---|:---|
| **Sample Surrender Charges** | **Sample Surrender Charges** |
| Surrender occurring during Contract Year: | Amount per $1,000 of Basic Insurance Amount: |
| 1 | $15.04 |
| 2 | $14.49 |
| 3 | $13.91 |
| 4 | $13.32 |
| 5 | $12.70 |
| 6 | $9.65 |
| 7 | $7.24 |
| 8 | $4.83 |
| 9 | $2.41 |
| 10+ | $0.00 |

---

If, during the first nine 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. Upon the second death of the two insureds, the amount payable to the beneficiary (assuming there is no Contract Debt) is larger than the Contract Fund — significantly larger if both insureds die 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 each insured. The rates generally increase over time but are never more than the maximum charges listed in

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

the Contract's data pages. The maximum COI rates are based upon the 2017 Commissioners Standard Ordinary Mortality Tables. Our current COI rates range from $0.00001 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. For Contracts with a Type C Death Benefit, the Net Amount At Risk generally changes as the Contract Fund changes and as premium payments are made. See **<u>[Types Of Death Benefit](#ia682b4ecc6fe4acd9d1372ae86c91714_136)</u>**.

The following table provides hypothetical examples of the Net Amount At Risk's role in determining COI charges. The examples assume a $1,000,000 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.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Example Net Amount At Risk Scenarios** | **Example Net Amount At Risk Scenarios** | **Example Net Amount At Risk Scenarios** | **Example Net Amount At Risk Scenarios** | **Example Net Amount At Risk Scenarios** |
| Death Benefit Type | Death Benefit amount | Contract Fund value | Net Amount At Risk | Month's COI charge |
| Type A | $1000000 | $125000 | $874171.19 | $874.17 |
| Type A | $1000000 | $175000 | $824171.19 | $824.17 |
| Type B | $1125000 | $125000 | $999067.59 | $999.07 |
| Type B | $1175000 | $175000 | $999026.15 | $999.03 |
| Type C\* | $1075000 | $125000 | $949109.03 | $949.11 |
| Type C\*\* | $1100000 | $175000 | $924088.31 | $924.09 |
| \*assumes $75,000 in total premiums paid less withdrawals.<br>\*\*assumes $100,000 in total premiums paid less withdrawals.  | \*assumes $75,000 in total premiums paid less withdrawals.<br>\*\*assumes $100,000 in total premiums paid less withdrawals.  | \*assumes $75,000 in total premiums paid less withdrawals.<br>\*\*assumes $100,000 in total premiums paid less withdrawals.  | \*assumes $75,000 in total premiums paid less withdrawals.<br>\*\*assumes $100,000 in total premiums paid less withdrawals.  | \*assumes $75,000 in total premiums paid less withdrawals.<br>\*\*assumes $100,000 in total premiums paid less withdrawals.  |

---

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. Currently, the fee is $7.50 per month.

(2)The second part of the charge is an amount per $1,000 of the Basic Insurance Amount. The amount varies by each insured's issue age, sex, and underwriting classification. We deduct this part of the monthly charge during the first 20 Contract Years.

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:** <br>(per $1,000 rates plus a flat fee) | &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:** <br>(per $1,000 rates plus a flat fee) | &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:** <br>(per $1,000 rates plus a flat fee) |
| Issue age of both insureds | Male and Female<br>Nonsmoker | Male and Female<br>Smoker |
| 35 | $0.04 | $0.04 |
| 45 | $0.06 | $0.06 |
| 55 | $0.11 | $0.12 |
| 65 | $0.20 | $0.21 |

---

The lowest charge per $1,000 is $0.01 and generally applies to Contracts with insureds at younger issue ages with lower risk underwriting classifications. The highest charge per $1,000 is $1.80 and generally applies to Contracts with insureds at older issue ages with higher risk underwriting classifications. The amount of the 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 0.50%. 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 each 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](#ia682b4ecc6fe4acd9d1372ae86c91714_193)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_211)</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

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

apply. See **<u>[Surrender Charge](#ia682b4ecc6fe4acd9d1372ae86c91714_67)</u>** and **<u>[Decreasing the Basic Insurance Amount](#ia682b4ecc6fe4acd9d1372ae86c91714_142)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_151)</u>**.

***Estate Protection Rider***

We deduct a monthly charge for this rider, which provides for an additional Death Benefit amount if both insureds die within four years of the Contract Date. The current charge ranges from $0.02 to $83.36 per $1,000 of the Estate Protection Rider amount and is based on the issues ages, sex, and underwriting classification of the insureds, as well as Contract duration. The charge is deducted for the first four Contract Years.

***Lapse Protection Rider*** 

We deduct a monthly charge for this rider, which provides a conditional guarantee that, beginning in the 11<sup>th</sup> Contract Year, the Contract will be kept in force and will not lapse. The cost of insurance charge for this rider is based on the age, sex, and underwriting classification of the insureds. The current charge for this Extended No-Lapse Guarantee ranges from $0.00001 to $29.17 per $1,000 of rider Net Amount At Risk.

***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 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](#ia682b4ecc6fe4acd9d1372ae86c91714_208)</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 younger 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 both insureds have died, 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 each 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](#ia682b4ecc6fe4acd9d1372ae86c91714_232)</u>**.

**PERSONS HAVING RIGHTS UNDER THE CONTRACT**

**Contract Owner**

Generally, the Contract Owners are the insureds, jointly. There are circumstances when the Contract Owner is not one or both of the insureds. There may also be more than one other Contract Owner. If the Contract Owner is not the insureds or

there is more than one other 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 at least one insured is living, the Contract Owner is entitled to any Contract benefit and value. Only the Contract

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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.

**Beneficiary**

The beneficiary is entitled to receive any benefit payable upon the death of the second of two insureds. 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 insureds, unless otherwise stated.

**OTHER GENERAL CONTRACT PROVISIONS**

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

Generally, you may return the Contract for a refund within 10 days 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 lifetime of one or both insureds 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. Ninety days prior to the end of the second Contract Year and at the end of each two-year contestable period following a reinstatement, we will mail you a notice requesting that you tell us if either insured has died. Failure to tell us of the death of an insured will not avoid a contest, if we have a basis for one, even if premium payments continue to be made.

**Misstatement Of Age Or Sex**

If an 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 insureds' correct age and sex. Adjustments to the Death Benefit for misstatements of age or sex are not restricted to the incontestability provision described above.

**Simultaneous Death**

If both insureds die while the Contract is in force and we find there is lack of sufficient evidence that they died other than simultaneously, we will assume that the older insured died first.

**Suicide Exclusion**

If the second-to-die insured, whether sane or insane, dies by suicide within two years from the issue date, this Contract will end without any Death Benefit paid, and we will return the premiums paid less any Contract Debt and less any withdrawals.

If the second-to-die insured, whether sane or insane, 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 three 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

------

**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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](#ia682b4ecc6fe4acd9d1372ae86c91714_70)</u>**, **<u>[PREMIUMS](#ia682b4ecc6fe4acd9d1372ae86c91714_178)</u>,** and **<u>[How a Contract's Cash Surrender Value Will Vary](#ia682b4ecc6fe4acd9d1372ae86c91714_205)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_70)</u>**, **<u>[PREMIUMS](#ia682b4ecc6fe4acd9d1372ae86c91714_178)</u>**, and **<u>[How a Contract's Cash Surrender Value Will Vary](#ia682b4ecc6fe4acd9d1372ae86c91714_205)</u>**.

A Contract with a Type C (return of premium) Death Benefit has a Death Benefit which is generally equal the Basic Insurance Amount plus the total premiums paid into the Contract less withdrawals. The total premiums, less withdrawals, is not accumulated with interest. The Death Benefit on a Contract with a Type C Death Benefit is limited to the Contract Fund plus up to three times the Basic Insurance Amount. Within limits, this Death Benefit type allows the beneficiary, in effect, to recover the cost of the Contract (all premiums paid less withdrawals already taken), upon the deaths of both insureds. Favorable investment performance and payment of additional premiums will generally increase the Contract's Cash Surrender Value. However, the increase in the Cash Surrender Value for a Type C Death Benefit may be less than the increase in Cash Surrender Value for a Contract with a Type A Death Benefit because a Type C Death Benefit has a greater cost of insurance charge due to a greater Net Amount At Risk. The increase in Cash Surrender Value for a Contract with a Type C Death Benefit may be more or less than the increase in Cash Surrender Value for a Contract with a Type B Death Benefit depending on earnings and the amount of any withdrawals. If you take a withdrawal from a Contract with a Type C Death Benefit, it is possible for the Death Benefit to fall below the Basic Insurance Amount. 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](#ia682b4ecc6fe4acd9d1372ae86c91714_70)</u>**, **<u>[PREMIUMS](#ia682b4ecc6fe4acd9d1372ae86c91714_178)</u>,** and **<u>[How a Contract's Cash Surrender Value Will Vary](#ia682b4ecc6fe4acd9d1372ae86c91714_205)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_211)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_172)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_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 change takes place.

If you are changing your Contract from a Type C Death Benefit to a Type A Death Benefit, we will change the Basic Insurance Amount by adding the lesser of (a) the total premiums paid into the Contract minus total withdrawals taken, and (b) the 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. The Type C Limiting Amount and the Type C Death Benefit Factor are both found in the Contract Limitations section of your Contract's data pages.

If you are changing your Contract from a Type C Death Benefit to a Type B Death Benefit, we first find the difference between: (1) the Contract Fund and (2) the lesser of (a) the total premiums paid into the Contract minus total withdrawals taken, and (b) the 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. The Type C Limiting Amount and the Type C Death Benefit Factor are both found in the Contract Limitations section of your Contract's data pages. If (2) is larger than (1), we will increase the Basic Insurance Amount by that difference. If (1) is larger than (2), we will reduce the Basic Insurance Amount by that difference.

If you choose a Type A Death Benefit or a Type B Death Benefit at issue, you will not be able to change to a Type C Death Benefit thereafter. If you change a Type C Death Benefit to a Type A Death Benefit or a Type B Death Benefit after issue, you will not be able to change back to a Type C Death Benefit. 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.

The following chart illustrates the changes with each change of Death Benefit type described above. The chart assumes a $50,000 Contract Fund and a $300,000 Death Benefit. For changes from a Type C Death Benefit, the chart assumes $40,000 in total premiums minus total withdrawals.

------

**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

---

| | | | |
|:---|:---|:---|:---|
| **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 |
| **Type C to Type A** | $260,000 to $300,000 | $50,000 to $50,000 | $300,000 to $300,000 |
| **Type C to Type B** | $260,000 to $250,000 | $50,000 to $50,000 | $300,000 to $300,000 |
| \* assuming there is no Contract Debt | \* assuming there is no Contract Debt | \* assuming there is no Contract Debt | \* assuming there is no Contract Debt |

---

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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</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 $10,000;

(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; and

(f)Your Contract must not be in force under the provisions of the Overloan Protection 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 re-calculated 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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</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 of the second-to-die insured. 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.

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](#ia682b4ecc6fe4acd9d1372ae86c91714_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.

---

| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[Limited No-Lapse Guarantee](#ia682b4ecc6fe4acd9d1372ae86c91714_154)</u><sup>(1)</sup> | Provides limited guarantee against Contract lapse for first ten 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. |

---

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit, continued** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[Estate Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_163)</u><sup>(1)</sup> | Provides for an additional Death Benefit amount if the insureds die within four years of the Contract Date. | Optional | • Benefit only available for the first four Contract Years. |
| <u>[Guaranteed Contract Split Option Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_166)</u><sup>(1)</sup> | Provides for the Contract to be exchanged for two separate contracts under certain circumstances. | Standard | • Only included with Contracts when the insureds are married, are both age 74 or younger, and are each in individually insurable underwriting classifications. <br>• The ability to exercise this rider is available for a 180 day period beginning 180 days after a continuously effective final decree of divorce or within 180 days of a change in the tax law that removes the unlimited marital deduction.<br>• The exchange of this Contract for one or more contracts covering only the life of one insured while both insureds are living does not qualify as an income tax-free exchange of contracts.  |
| <u>[Lapse Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_160)</u><sup>(1)</sup> | Provides a conditional guarantee that, beginning in the 11<sup>th</sup> Contract year, the Contract will be kept in force and will not lapse. | Optional | • Outstanding Contract loans will void the guarantee.<br>• Coverage will end as of the first Contract Anniversary on or after the younger insured's 91<sup>st</sup> birthday.<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>• Dollar Cost Averaging may only be available for the first 18 months of the Contract.  |
| <u>[Overloan Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_169)</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 younger 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. |

---

&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 10 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 10 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 Basic Insurance Amount, optional benefits selected, and the issue age, sex, and underwriting classification of each insured. 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 insureds are male and female, both age 60, both preferred best underwriting

------

**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

class, and with no extra risk charges; (2) a $1,000,000 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.

---

| | | | |
|:---|:---|:---|:---|
| **Contract** <br>**Anniversary** | **Limited No-Lapse**<br>**Guarantee Value** | **Contract** <br>**Anniversary** | **Limited No-Lapse Guarantee Value** |
| 1<sup>st</sup> | $6161 | 6<sup>th</sup> | $36965 |
| 2<sup>nd</sup> | $12322 | 7<sup>th</sup> | $43126 |
| 3<sup>rd</sup> | $18483 | 8<sup>th</sup> | $49287 |
| 4<sup>th</sup> | $24644 | 9<sup>th</sup> | $55448 |
| 5<sup>th</sup> | $30805 | 10<sup>th</sup> | $61609 |

---

Your Pruco Life of New Jersey representative can supply sample illustrations of various Limited No-Lapse Guarantee Premium amount and frequency combinations that correspond to the Limited No-Lapse Guarantee Values. See the **<u>[Lapse Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_160)</u>** for No-Lapse Guarantee information after the first ten years.

**Estate Protection Rider**

The Estate Protection Rider is an optional benefit that provides up to an additional 100% of the Contract's Death Benefit if both insureds die before the fourth Contract Anniversary. The Estate Protection Rider coverage amount is selected at issue and may not exceed the Basic Insurance Amount of the Contract. Charges applicable to this rider will be deducted from the Contract Fund on each Monthly Date for the first four Contract Years.

**Guaranteed Contract Split Option Rider**

The Guaranteed Contract Split Option Rider provides for the ability to exchange the survivorship Contract for up to two separate contracts, one each on the life of each insured, at their respective Attained Age, without requiring evidence of insurability. The right to exchange is available for a 180 day period beginning 180 days after a continuously effective final decree of divorce. The right to exchange is also available within 180 days of a change in the tax law that removes the unlimited marital deduction. This rider is automatically and only included with Contracts when the insureds are married, are both age 74 or younger, and are each in an underwriting classification no higher than the highest classification allowable on single-life plans. There is no charge for this rider. Exercising this rider may have tax implications. The exchange of this Contract for one or more contracts covering only the life of one insured while both insureds are alive does not qualify as an income tax free exchange of contracts.

Any type of single-life contract we regularly issue at the time the rider is exercised is available, except for term contracts. The new single-life contract must have a Basic Insurance Amount of at least $25,000 and no more than 50% of the Basic Insurance Amount of this Contract. When you exercise the rider and replace this Contract with one or two new contracts, we will waive any surrender charge on this Contract. Also, we will waive any applicable new contract sales charges on any amount of initial premium you apply to a new contract from this Contract's Cash Surrender Value. The sales charges we will waive are the premium-based sales charges that are the same or substantially the same in description and purpose as this Contract's premium charge. Sales charges on additional amounts paid as initial premium or on premiums paid after the initial premium will continue to apply. Any surrender charges applicable to a new contract will also continue to apply.

**Lapse Protection Rider**

The Lapse Protection Rider provides conditional protection against Contract lapse. Under the Lapse Protection Rider, beginning in the 11<sup>th</sup> 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 the younger insureds age 90 and ends on the Contract Anniversary on or following the younger insured's 91<sup>st</sup> birthday. This rider is only available at Contract issuance when the younger insured is age 75 or less. There is a charge for this rider. You may terminate this rider at any time.

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 11<sup>th</sup> 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.

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 no-lapse 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 further restrict transfers or limit allocations for Contracts that include this rider.

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

------

**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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 each 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.

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](#ia682b4ecc6fe4acd9d1372ae86c91714_220)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_178)</u>** and **<u>[Tax Treatment Of Contract Benefits](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</u>**.

**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. This rider 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)The Contract must be in force for the later of 15 years and the Contract Anniversary after the younger insured's 75<sup>th</sup> birthday;

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

(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.

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 electronic fund transfer of premium payments will be cancelled.

If you have a Type B (variable) or Type C (return of premium) 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](#ia682b4ecc6fe4acd9d1372ae86c91714_136)</u>** and **<u>[Tax Treatment Of Contract Benefits](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</u>**.

The following hypothetical example illustrates the impacts to the Contract when exercising this rider. The example assumes a Contract that includes this rider, has a Type B Death Benefit, and meets the eligibility requirements listed above.

---

| | | |
|:---|:---|:---|
| **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 |

---

(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.

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](#ia682b4ecc6fe4acd9d1372ae86c91714_214)</u>**.

Please note that the Internal Revenue Service ("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** 

Generally, the Contract may be issued on insureds age 18 through 80 for Contracts with Type A or Type B Death Benefits and age 18 through 75 for Contracts with Type C Death Benefit. Currently, the minimum Basic Insurance Amount for a Contract issued for insureds ages 18 through 80 is $200,000. Certain

------

**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

riders have issue age and Basic Insurance Amount requirements and may not be available with all Contracts.

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.

**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 one or both of the insureds' issue ages. 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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_187)</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 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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</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 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.

------

**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

**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](#ia682b4ecc6fe4acd9d1372ae86c91714_193)</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 and interest credits on outstanding loans.

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 exercise the Overloan Protection Rider, you must allocate all payments to the Fixed Rate Option. See **<u>[Overloan Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_169)</u>**.

Provided the Contract is neither in default nor in force under the provisions of the Overloan Protection 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](#ia682b4ecc6fe4acd9d1372ae86c91714_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 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](#ia682b4ecc6fe4acd9d1372ae86c91714_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

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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.

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](#ia682b4ecc6fe4acd9d1372ae86c91714_169)</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 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.

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

**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 will not be available on Contracts kept in force under the provisions of the Overloan Protection Rider. See **<u>[Overloan Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_169)</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 exercised the Overloan Protection Rider. See **<u>[Overloan Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_169)</u>**.

**CONTRACT VALUES**

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](#ia682b4ecc6fe4acd9d1372ae86c91714_58)</u>**, and any withdrawals. See **<u>[Withdrawals](#ia682b4ecc6fe4acd9d1372ae86c91714_211)</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.

**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.

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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](#ia682b4ecc6fe4acd9d1372ae86c91714_220)</u>** and **<u>[Tax Treatment Of Contract Benefits](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_169)</u>**. Having Contract Debt will prevent any no-lapse guarantee from protecting the Contract from lapse. See **<u>[Limited No-Lapse Guarantee](#ia682b4ecc6fe4acd9d1372ae86c91714_154)</u>** and **<u>[Lapse Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_160)</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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</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.

**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.

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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</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. We do not assess a surrender charge for a reduction in Basic Insurance Amount when the reduction is due to a withdrawal. Withdrawals from a Contract with a Type B or Type C Death Benefit will not change the Basic Insurance Amount. However, under most circumstances, withdrawals from a Contract with a Type A 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

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</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 Withdrawal** | **Example of a Type A Death Benefit Withdrawal** | **Example of a Type A Death Benefit Withdrawal** |
| Amount of withdrawal: | Amount of withdrawal: | $10000 |
| **Contract values (current)** | **Before** | **After** |
| Basic Insurance Amount: | $1000000 | $990000 |
| Death Benefit: | $1000000 | $990000 |
| Contract Fund value: | $100000 | $90000 |
| Contract surrender charge: | $6800 | $6800 |

---

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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</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 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](#ia682b4ecc6fe4acd9d1372ae86c91714_154)</u>** and **<u>[Lapse Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_160)</u>**.

**Surrender Of a Contract**

You may surrender your Contract at any time for its Cash Surrender Value while at least one of the insureds 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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</u>** and **<u>[Surrender Charge](#ia682b4ecc6fe4acd9d1372ae86c91714_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 both insureds have died. 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 insureds' 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 (1) the NYSE is closed for other than a regular holiday or weekend, or (2) the SEC requires that trading be restricted or declares an emergency.

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 1.5% 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 10 Contract Years) or the Lapse Protection Rider (beginning in Contract Year 11 for Contracts that include the rider). See **<u>[Limited No-Lapse Guarantee](#ia682b4ecc6fe4acd9d1372ae86c91714_154)</u>** and **<u>[Lapse Protection Rider](#ia682b4ecc6fe4acd9d1372ae86c91714_160)</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

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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](#ia682b4ecc6fe4acd9d1372ae86c91714_226)</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)Both insureds are living, or one insured is alive and the Contract ended without value after the death of the other insured;

(c)Renewed evidence of insurability, proving the insured(s) remain(s) at the same underwriting classification that applied at the expiration of the grace period, is provided on any insured who was living at the expiration of the grace period; 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 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(s) of the insured(s). We reserve the right to change the requirements to reinstate a lapsed Contract.

**TAXES**

**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. The Attained Age factors are based on the Attained Age of the younger insured. For example, the Attained Age factors for a female, age 60, with a preferred best (nonsmoker) underwriting classification range from 1.84 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 younger insured. For example, the Attained Age factors for an insured age 60 range from 1.30 in the first year to 1.01 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 younger 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.

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

The Contract may not qualify as life insurance under federal tax law after the younger 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 younger 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 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 insureds' 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.

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

**Business-Owned Life Insurance** 

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](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_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 will vary based on the issue age, sex, and underwriting classification of each 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.

**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

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_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](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_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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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_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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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_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.

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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

**Attained Age –** An 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.

**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."

**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 are the insureds jointly, or the survivor of them. If the Contract is owned jointly, the exercise of rights under the Contract must be made by both jointly.

**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 second-to-die insured person, 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.

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

**Limited No-Lapse Guarantee –** Sufficient premium payments, on an accumulated basis, will guarantee that your Contract will not lapse during the first 10 Contract Years and a Death Benefit will be paid upon the death of the surviving insured, regardless of investment experience and assuming no loans or withdrawals.

**Limited No-Lapse Guarantee Premium –** Premium that, if paid at the beginning of each Contract Year, will keep the Contract in force during the first 10 Contract Years, regardless of investment performance and assuming no loans or withdrawals.

**Modal No-Lapse Premiums –** Premiums that, if paid on the Contract Date and each modal date, will keep the Contract in

force at least the duration of the guarantee period chosen, regardless of investment performance and assuming no loans, withdrawals, or Contract changes.

**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.

**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 the premium charge and varies by the insureds' issue ages, sex, and underwriting classifications, as well as Basic Insurance Amount and 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 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.

**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,

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**<u>[GLOSSARY](#ia682b4ecc6fe4acd9d1372ae86c91714_250)</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**](#ia682b4ecc6fe4acd9d1372ae86c91714_10)</u>**

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 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 *PruLife® SVUL 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. 333-289933. 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 ***PruLife® SVUL 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: C000265964

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

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STATEMENT OF ADDITIONAL INFORMATION

The date of this statement of additional information and of the related prospectuses is December 30, 2025.

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

Pruco Life Insurance Company of New Jersey

***PruLife® SVUL Protector***

**SURVIVORSHIP VARIABLE UNIVERSAL LIFE INSURANCE CONTRACTS**

This statement of additional information is not a prospectus. Please review the ***PruLife® SVUL Protector*** prospectus (the "prospectus"), which contains information concerning the ***PruLife® SVUL Protector*** Contracts. 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** 

**Page**

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| | |
|:---|:---|
| **<u>[GENERAL INFORMATION AND HISTORY](#i788793032bd34ada8ea3bee99b536b5c_4)</u>** | **<u>[1](#i788793032bd34ada8ea3bee99b536b5c_4)</u>** |
| <u>[Description Of Pruco Life Insurance Company of New Jersey](#i788793032bd34ada8ea3bee99b536b5c_7)</u> | <u>[1](#i788793032bd34ada8ea3bee99b536b5c_7)</u> |
| <u>[Control Of Pruco Life Insurance Company of New Jersey](#i788793032bd34ada8ea3bee99b536b5c_10)</u> | <u>[1](#i788793032bd34ada8ea3bee99b536b5c_10)</u> |
| <u>[State Regulation](#i788793032bd34ada8ea3bee99b536b5c_13)</u> | <u>[1](#i788793032bd34ada8ea3bee99b536b5c_13)</u> |
| <u>[Records](#i788793032bd34ada8ea3bee99b536b5c_16)</u> | <u>[1](#i788793032bd34ada8ea3bee99b536b5c_16)</u> |
| <u>[Services And Third Party Administration Agreements](#i788793032bd34ada8ea3bee99b536b5c_19)</u> | <u>[1](#i788793032bd34ada8ea3bee99b536b5c_19)</u> |
| <u>[Cyber Security And Business Continuity Risks](#i788793032bd34ada8ea3bee99b536b5c_22)</u> | <u>[1](#i788793032bd34ada8ea3bee99b536b5c_22)</u> |
| **<u>[INITIAL PREMIUM PROCESSING](#i788793032bd34ada8ea3bee99b536b5c_25)</u>** | **<u>[2](#i788793032bd34ada8ea3bee99b536b5c_25)</u>** |
| **<u>[ADDITIONAL INFORMATION ABOUT OPERATION OF CONTRACTS](#i788793032bd34ada8ea3bee99b536b5c_28)</u>** | **<u>[3](#i788793032bd34ada8ea3bee99b536b5c_28)</u>** |
| <u>[Legal Considerations Relating To Sex-Distinct Premiums And Benefits](#i788793032bd34ada8ea3bee99b536b5c_31)</u> | <u>[3](#i788793032bd34ada8ea3bee99b536b5c_31)</u> |
| <u>[Reports To Contract Owners](#i788793032bd34ada8ea3bee99b536b5c_34)</u> | <u>[3](#i788793032bd34ada8ea3bee99b536b5c_34)</u> |
| **<u>[ADDITIONAL INFORMATION ABOUT CHARGES](#i788793032bd34ada8ea3bee99b536b5c_37)</u>** | **<u>[3](#i788793032bd34ada8ea3bee99b536b5c_37)</u>** |
| <u>[Underwriting Procedures](#i788793032bd34ada8ea3bee99b536b5c_40)</u> | <u>[3](#i788793032bd34ada8ea3bee99b536b5c_40)</u> |
| **<u>[ADDITIONAL INFORMATION ABOUT CONTRACTS IN DEFAULT](#i788793032bd34ada8ea3bee99b536b5c_43)</u>** | **<u>[3](#i788793032bd34ada8ea3bee99b536b5c_43)</u>** |
| **<u>[DISTRIBUTION AND COMPENSATION](#i788793032bd34ada8ea3bee99b536b5c_46)</u>** | **<u>[3](#i788793032bd34ada8ea3bee99b536b5c_46)</u>** |
| **<u>[EXPERTS](#i788793032bd34ada8ea3bee99b536b5c_49)</u>** | **<u>[5](#i788793032bd34ada8ea3bee99b536b5c_49)</u>** |
| **<u>[FINANCIAL STATEMENTS](#i788793032bd34ada8ea3bee99b536b5c_52)</u>** | **<u>[5](#i788793032bd34ada8ea3bee99b536b5c_52)</u>** |

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**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 ***PruLife® SVUL 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-

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allocation strategies, and by our employment of complex investment, trading and hedging programs. Cyber security is generally 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 each proposed insured is insurable. The process may involve such verification procedures as medical examinations and may require that further information be provided by one or both of the proposed insureds 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 each 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.

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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.

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.

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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.

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

------

<u>[**TABLE OF CONTENTS**](#i788793032bd34ada8ea3bee99b536b5c_1)</u>

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, 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 10, 2025](https://www.sec.gov/Archives/edgar/data/741313/000074131325000056/a2024-96007plnjva_nxvpfs.htm)</u>.**

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**OTHER INFORMATION**

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|:---|
| **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 2) |
| (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 2)  |
| (ii) | (ii) | <u>[Broker Dealer Selling Agreement used from 01-2024 to current](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/sa012024.htm)</u>. (Note 20) |
| (d) | Contracts: | Contracts: |
| (i) | (i) | <u>[Survivorship Variable Universal Life Insurance Contract (SVULPR-2025)](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/svulpr-2025ny.htm)</u>. (Note 20) |
| (ii) | (ii) | <u>[Extended No-Lapse Guarantee Rider](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/rid-nlgx2025ny.htm)[(RID-](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/rid-nlgx2025ny.htm)[NLG](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/rid-nlgx2025ny.htm)[-202](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/rid-nlgx2025ny.htm)[5](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/rid-nlgx2025ny.htm)[)](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/rid-nlgx2025ny.htm)</u>. (Note 20) |
| (iii) | (iii) | <u>[Rider for Excess Loan Protection (PLY 141-2017)](https://www.sec.gov/Archives/edgar/data/741313/000074131317000060/ply141-2017.htm)</u>. (Note 14) |
| (iv) | (iv) | <u>[Option to Exchange for Separate Contracts at Attained Age (PLY 118-2018)](https://www.sec.gov/Archives/edgar/data/741313/000074131320000027/ply118-2018.htm)</u>. (Note 3) |
| (v) | (v) | <u>[Rider for Term Insurance Benefit on Life of Second Insured to Die (VL 194C-2015)](https://www.sec.gov/Archives/edgar/data/741313/000074131317000060/vl194c-2015ny.htm)</u>. (Note 14) |
| (vi) | (vi) | <u>[Endorsement for Type C Death Benefit Option (PLY 130-2015)](https://www.sec.gov/Archives/edgar/data/741313/000074131315000090/ply130-2015.htm)</u>. (Note 6) |
| (e) | Applications: | Applications: |
| (i) | (i) | <u>[Application for Variable Universal Life Insurance Contract](https://www.sec.gov/Archives/edgar/data/741313/000074131317000060/ord_96200surv-2010xnyx1216.htm)</u>. (Note 14) |
| (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 5) |
| (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 2) |
| (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 2) |
| (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/741313/000074131315000090/certofamendment.htm)</u>. (Note 6) |
| (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/741313/000074131311000004/by-laws.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/741313/000074131306000018/nj-cede2prureinsurance.htm)</u>. (Note 7) |
| (ii) | (ii) | <u>[Amendments (1-15) to the Agreement between Pruco Life of New Jersey and Prudential](https://www.sec.gov/Archives/edgar/data/741313/000085169313000013/amendments1-15reinsurance.htm)</u>. (Note 8) |
| (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 10) |
| (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, as amended June 8, 2005](https://www.sec.gov/Archives/edgar/data/741313/000085169313000013/amendment1astnjparticipation.htm)</u>. (Note 8) |
| (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 11) |
| (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 17) |
| (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 11) |
| (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 11) |
| (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 15) |
| (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 11) |

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| | | |
|:---|:---|:---|
| (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 15) |
| (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 15) |
| (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 15) |
| (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 15) |
| (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 18) |
| (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 12) |
| (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 11) |
| (xvi) | (xvi) | <u>[Participation Agreement between Pruco Life of New Jersey and Northern Lights](https://www.sec.gov/Archives/edgar/data/741313/000074131312000083/participationagreement.htm)</u>. (Note 13) |
| (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/741313/000082897214000029/plnjamendnorthernlights.htm)</u>. (Note 9) |
| (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 15) |
| (xix) | (xix) | <u>[Participation Agreement between Pruco Life of New Jersey and Putnam](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/putnampawithpru.htm)</u>. (Note 20) |
| (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 16) |
| (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 16) |
| (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 19) |
| (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 14) |
| (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 15) |
| (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 14) |
| (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 14) |
| (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 14) |
| (xxviii) | (xxviii) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and Putnam](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/putnam22c2.htm)</u>. (Note 20)  |
| (i) | Administrative Contracts: | Administrative Contracts: |
| (i) | (i) | <u>[Service Agreement between Prudential and the Regulus Group, LLC](https://www.sec.gov/Archives/edgar/data/741313/000074131311000004/regulusserviceagreement.htm)</u>. (Note 4) |
| (ii) | (ii) | <u>[Revised Service Agreement between Prudential and the Regulus Group LLC, a TransCentra company](https://www.sec.gov/Archives/edgar/data/741313/000082897214000029/regulusagreement.htm)</u>. (Note 9) |
| (iii) | (iii) | <u>[Engagement Schedule No. 2 between Prudential and Regulus Group, LLC](https://www.sec.gov/Archives/edgar/data/741313/000074131315000090/regulusschedule.htm)</u>. (Note 6) |
| (iv) | (iv) | <u>[Services Agreement between Prudential and Fidelity Information Services](https://www.sec.gov/Archives/edgar/data/741313/000074131323000243/fisservicesagreement.htm)</u>. (Note 16) |
| (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 16) |
| (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](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/plnjvaa_legalconsentcjm.htm)</u>. (Note 20) |
| (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](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/plnjsvulp_2025xpwcconsent.htm)</u>. (Note 20) |
| (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)](https://www.sec.gov/Archives/edgar/data/741313/000074131325000210/plnjsvulp_2025exhibit30q.htm)</u>. (Note 20) |
| (r) | Form of Initial Summary Prospectuses: | Form of Initial Summary Prospectuses: |
|  |  | <u>[PLNJ](plnjsvulp_2025initialsumma.htm)</u>*<u>[PruLife SVUL Prot](plnjsvulp_2025initialsumma.htm)[ector](plnjsvulp_2025initialsumma.htm)</u>*<u>[Initial Summary Prospectus](plnjsvulp_2025initialsumma.htm)</u>. (Note 1) |

---

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

---

| | |
|:---|:---|
| (Note 1) | Filed herewith. |
| (Note 2) | 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 3) | Incorporated by reference to Pre-Effective Amendment No. 1 for Form N-6, Registration No. 333-237296, filed August 28, 2020, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 4) | Incorporated by reference to Post-Effective Amendment No. 10 for Form N-6, Registration No. 333-112809, filed April 15, 2011, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 5) | Incorporated by reference to Form N-6, Pre-Effective Amendment No. 1, Registration No. 333-229277, filed April 22, 2019, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 6) | Incorporated by reference to Post-Effective Amendment No. 24 for Form N-6, Registration No. 333-112809, filed April 10, 2015, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 7) | Incorporated by reference to Post-Effective Amendment No. 5 for Form N-6, Registration No. 333-112809, filed April 19, 2006, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 8) | Incorporated by reference to Post-Effective Amendment No. 13 for Form N-6, Registration No. 333-112809, filed April 12, 2013, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 9) | Incorporated by reference to Post-Effective Amendment No. 19 for Form N-6, Registration No. 333-112809, filed April 11, 2014, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 10) | Incorporated by reference to Post-Effective Amendment No. 2 for Form N-6, Registration No. 333-112809, filed August 15, 2005, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 11) | Incorporated by reference to Post-Effective Amendment No. 15 for Form N-6, Registration No. 333-112809, filed June 28, 2013, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 12) | Incorporated by reference to Post-Effective Amendment No. 7 for Form N-6, Registration No. 333-112809, filed April 18, 2008, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 13) | Incorporated by reference to Post-Effective Amendment No. 11 for Form N-6, Registration No. 333-112809, filed April 23, 2012, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 14) | 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 15) | Incorporated by reference to Post-Effective Amendment No. 34 for Form N-6, Registration No. 333-112809, filed April 11, 2018, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 16) | Incorporated by reference to Post-Effective Amendment No. 9, Registration No. 333-229277, filed September 28, 2023, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 17) | 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 18) | 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 19) | 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. |
| (Note 20) | Incorporated by reference to Pre-Effective Amendment No. 1 to this Registration Statement, filed December 16, 2025, 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 |
| MARKUS COOMBS (Note 2) | Director, Chief Financial Officer, and Chief Accounting Officer |
| 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 15, 2011, as exhibit Item 26. (f)(iii) to Form N-6, Registration No. 333-112809, 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 30<sup>th</sup> day of December, 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>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>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 30<sup>th</sup> day of December, 2025.

---

| | | |
|:---|:---|:---|
| **<u>Signature and Title</u>** | | |
| /s/ \* |  |  |
| Reshma V. Abraham |  |  |
| Director and Vice President |  |  |
| /s/ \* |  |  |
| Markus Coombs |  |  |
| Director, Chief Financial Officer, and Chief Accounting Officer |  |  |
| /s/ \* |  |  |
| Alan M. Finkelstein |  |  |
| Director and Treasurer |  |  |
|  | By: | /s/ Christopher J. Madin |
| /s/ \* |  | Christopher J. Madin |
| Scott E. Gaul |  | (Attorney-in-Fact) |
| Director and Vice President |  |  |
| /s/ \* |  |  |
| Bradley O. Harris |  |  |
| 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.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, Jacob Manzoor, and Boa Chau Ruland**, 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 8<sup>th</sup> day of September 2025.

---

| |
|:---|
| <u>/s/ Markus Coombs</u><br>Markus Coombs<br>Director, Chief Financial Officer and Chief Accounting Officer |
| <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 |

---

IN WITNESS WHEREOF, I have hereunto set my hand this 9<sup>th</sup> day of September 2025.

<u>/s/ Reshma V. Abraham</u><br>Reshma V. Abraham<br>Director and Vice President <br>

------

IN WITNESS WHEREOF, I have hereunto set my hand this 15<sup>th</sup> day of September 2025.

<u>/s/ Alan M. Finkelstein</u><br>Alan M. Finkelstein<br>Director and Treasurer<br>

------

**<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, Reg. No. 333-286564, and Reg. No. 333-289933), 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.R

INITIAL SUMMARY PROSPECTUS

December 30, 2025

***PruLife® SVUL Protector***

AN INDIVIDUAL, FLEXIBLE PREMIUM, SURVIVORSHIP, 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 ***PruLife® SVUL 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**

---

| | |
|:---|:---|
| | **Page** |
| **IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** | **[1](#i10fa370a02fa4ffbbda8bef79a456136_10)** |
| **OVERVIEW OF THE CONTRACT** | **[3](#i10fa370a02fa4ffbbda8bef79a456136_13)** |
| **STANDARD DEATH BENEFITS** | **[4](#i10fa370a02fa4ffbbda8bef79a456136_16)** |
| **OTHER BENEFITS AVAILABLE UNDER THE CONTRACT** | **[5](#i10fa370a02fa4ffbbda8bef79a456136_19)** |
| **PREMIUMS** | **[6](#i10fa370a02fa4ffbbda8bef79a456136_22)** |
| **HOW YOUR CONTRACT CAN LAPSE** | **[7](#i10fa370a02fa4ffbbda8bef79a456136_25)** |
| **MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT** | **[8](#i10fa370a02fa4ffbbda8bef79a456136_28)** |
| **ADDITIONAL INFORMATION ABOUT FEES** | **[9](#i10fa370a02fa4ffbbda8bef79a456136_31)** |
| **APPENDIX A: Funds Available Under the Contract** | **[11](#i10fa370a02fa4ffbbda8bef79a456136_34)** |
| **GLOSSARY: Definitions Of Special Terms Used In This Summary Prospectus** | **[15](#i10fa370a02fa4ffbbda8bef79a456136_37)** |

---

------

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; December 30, 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; December 30, 2025

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT**

---

| | | | |
|:---|:---|:---|:---|
| **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 nine 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 $6.35 to $24.01 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $2,401. 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 nine 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 $6.35 to $24.01 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $2,401. 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 nine 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 $6.35 to $24.01 per $1,000 of Basic Insurance Amount. The maximum surrender charge for a reduction of Basic Insurance Amount by $100,000 is $2,401. 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 significantly 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 significantly 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 significantly 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 insureds (*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 insureds (*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 insureds (*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; December 30, 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. Other restrictions may apply. Investment options will 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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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; December 30, 2025

**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** | ***PruLife® SVUL Protector*** is a form of variable universal life insurance providing coverage on the lives of two insureds. A Death Benefit is paid upon the death of the surviving (second-to-die) 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 significantly 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. Certain riders may limit or restrict access to investment options. Some investment options are not available through all broker-dealers.  |

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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 three 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>• Type C (return of premium): the Death Benefit is generally the Basic Insurance Amount plus the total premiums paid into the Contract and less any withdrawals. <br>**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 10 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. All riders are only available at Contract issuance. Selectable riders include:<br>• Estate Protection Rider: Provides for an additional Death Benefit amount if the insureds die within four years of the Contract Date. <br>• Lapse Protection Rider: Provides a conditional guarantee against Contract lapse starting in the 11<sup>th</sup> Contact Year.<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 at least one of the insureds is living. A surrender charge may apply. <br>**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. |

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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; December 30, 2025

**STANDARD DEATH BENEFITS**

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| **Death Benefit Coverage** | Generally, the Contract may be issued on insureds age 18 through 80 for Contracts with Type A or Type B Death Benefits and age 18 through 75 for Contracts with Type C Death Benefit. Currently, the minimum Basic Insurance Amount for a Contract issued for insureds ages 18 through 80 is $200,000. 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 of each insured, 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(s) 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 one or both of the insureds' issue ages. 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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| **Types Of Death Benefit** | When you apply for a Contract, you must select from three types of Death Benefit (referred to as "Type A," "Type B," and "Type C"). <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>A Type C (return of premium) Death Benefit will generally equal the Basic Insurance Amount plus the total premiums paid into the Contract less withdrawals. Due to a higher Net Amount At Risk, a Type C 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 of the second-to-die insured. 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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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; December 30, 2025

**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 **OTHER BENEFITS AVAILABLE UNDER THE CONTRACT** 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 ten 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. |
| Estate Protection Rider<sup>(1)</sup> | Provides for an additional Death Benefit amount if the insureds die within four years of the Contract Date. | Optional | • Benefit only available for the first four Contract Years. |
| Guaranteed Contract Split Option Rider<sup>(1)</sup> | Provides for the Contract to be exchanged for two separate contracts under certain circumstances. | Standard | • Only included with Contracts when the insureds are married, are both age 74 or younger, and are each in individually insurable underwriting classifications. <br>• The ability to exercise this rider is available for a 180 day period beginning 180 days after a continuously effective final decree of divorce or within 180 days of a change in the tax law that removes the unlimited marital deduction.<br>• The exchange of this Contract for one or more contracts covering only the life of one insured while both insureds are living does not qualify as an income tax-free exchange of contracts.  |
| Lapse Protection Rider<sup>(1)</sup> | Provides a conditional guarantee that, beginning in the 11<sup>th</sup> Contract year, the Contract will be kept in force and will not lapse. | Optional | • Outstanding Contract loans will void the guarantee.<br>• Coverage will end as of the first Contract Anniversary on or after the younger insured's 91<sup>st</sup> birthday.<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>• Dollar Cost Averaging may only be available for the first 18 months of the Contract. |
| 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 younger 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. |

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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.

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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; December 30, 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 at least until the younger insured's Attained Age 91, 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 up to the younger insured's Attained Age 91, will keep the Contract in force at least until the younger insured's Attained Age 91, 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 **PREMIUMS** section and the **Limited No-Lapse Guarantee** and **Lapse Protection Rider** subsections 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; December 30, 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)Both insureds are living, or one insured is alive and the Contract ended without value after the death of the other insured;<br>(c)Renewed evidence of insurability, proving the insured(s) remain(s) at the same underwriting classification that applied at the expiration of the grace period, is provided on any insured who was living at the expiration of the grace period; 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; December 30, 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>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) or Type C (return of premium) 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 at least one of the insureds 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; December 30, 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 (pay premiums), 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** | Deducted from premium payments. |  |  |
| Up To Sales Load Target Premium: | Deducted from premium payments. | 15% | 12.43% |
| In Excess Of Sales Load Target Premium: | Deducted from premium payments. | 30% | 17.43% |
| **Surrender Charge**<sup>(1)(2)</sup><br>(Minimum and maximum per $1,000 of Basic Insurance Amount.) | Upon lapse, surrender, or decrease in Basic Insurance Amount. | From $6.35 to $24.01 | From $6.35 to $24.01 |
| Initial surrender charge for a representative Contract Owner.<sup>(3)</sup> | Upon lapse, surrender, or decrease in Basic Insurance Amount. | $15.04 | $15.04 |
| **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 |
| **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 surrender charge amount per $1,000 varies based on the individual characteristics of the insureds, including issue age, sex, and underwriting classification, as well as Contract duration and the addition of optional riders. The charge decreases to zero by the end of the 9th Contract Year.

(2)No optional riders have been added to the Contract.

(3)Representative insureds are male and female, both age 60 and 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:** | **Base Contract Charges:** | **Base Contract Charges:** | **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 $0.00001 to $83.34 | From $0.00001 to $83.34 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.00153 | $0.00003 |
| **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 $0.01 to $1.80, <br>plus $10 | From $0.01 to $1.80, <br>plus $7.50 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.14 plus $10 | $0.14<sup>(6)</sup> plus $7.50 |
| **Mortality And Expense Risk Charge**<sup>(7)</sup><br>(Calculated as a percentage of assets in Variable Investment Options.) | Daily | 0.50% | 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 |

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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; December 30, 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 |
| **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:** | **Optional Benefits Charges:** | **Optional Benefits Charges:** | **Optional Benefits Charges:** |
| **Estate Protection Rider**<sup>(1)(2)(6)</sup><br>(charge per $1,000 of rider coverage amount) | Monthly | From $0.05001 to $83.39 | From $0.02 to $83.36 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.0512 | $0.02 |
| **Lapse Protection Rider**<sup>(5)</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 $0.00001 to $45.84 | <br>From $0.00001 to $29.17 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.00054 | $0.0196 |

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(1)The charge per $1,000 varies based on the individual characteristics of the insureds, including such characteristics as age, sex, and underwriting classification, as well as 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 charged for older Attained Ages with worse underwriting classifications.

(4)Representative insureds are male and female, both age 60 and preferred best underwriting class, with a $1,000,000 Basic Insurance Amount.

(5)The charge per $1,000 varies based on the individual characteristics of the insureds, including such characteristics as age, sex, and underwriting classification.

(6)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 per $1,000 will vary based on individual circumstances including issue age, type of risk, and the frequency of exposure to the risk.

**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; December 30, 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; December 30, 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; December 30, 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; December 30, 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; December 30, 2025

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

**Accumulated Net Payments** – Equal the premiums you paid less any withdrawals you took.

**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.

**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."

**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 are the insureds jointly, or the survivor of them. If the Contract is owned jointly, the exercise of rights under the Contract must be made by both jointly.

**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 second-to-die insured person, 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.

**Limited No-Lapse Guarantee –** Sufficient premium payments, on an accumulated basis, will guarantee that your Contract will not lapse during the first 10 Contract Years and a Death Benefit will be paid upon the death of the surviving insured, regardless of investment experience and assuming no loans or withdrawals.

**Limited No-Lapse Guarantee Premium –** Premium that, if paid at the beginning of each Contract Year, will keep the Contract in force during the first 10 Contract Years, regardless of investment performance and assuming no loans or withdrawals.

**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 the premium charge and varies by the insureds' issue ages, sex, and underwriting classifications, as well as Basic Insurance Amount and 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.

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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; December 30, 2025

**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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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; December 30, 2025

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**To Learn More About:**

***PruLife® SVUL 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 December 30, 2025, under the Securities Act of 1933, Registration No. 333-289933, 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 ***PruLife® SVUL 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: C000265964<br>Investment Company Act of 1940: Registration No. 811-03974