# EDGAR Filing Document

**Accession Number:** 0000741313
**File Stem:** 0000741313-26-000025
**Filing Date:** 2026-4
**Character Count:** 491190
**Document Hash:** 4ca569988198b51553404d72b3672904
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000741313-26-000025.hdr.sgml**: 20260409

**ACCESSION NUMBER**: 0000741313-26-000025

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 20

**FILED AS OF DATE**: 20260409

**DATE AS OF CHANGE**: 20260409

**EFFECTIVENESS DATE**: 20260501

**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:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-03974
- **FILM NUMBER:** 26851160

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

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

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

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

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-252986
- **FILM NUMBER:** 26851159

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

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

## Series and Classes Contracts Data

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

| Class ID   | Class Name                                    | Ticker Symbol   |
|:---|:---|:---|
| C000227054 | Pruco Life of New Jersey VUL Protector (2021) |  |

---

| | |
|:---|:---|
| **As filed with the SEC on <u>April 9, 2026</u> .**  | **Registration Nos. 333-252986** |
| **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** |
| **REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933** | **REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933** |
| &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;Post-Effective Amendment No. <u>6</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;Amendment No. <u>271</u> | &nbsp;&nbsp;&nbsp;&nbsp;**☑** |
| <u>(Check appropriate box or boxes.)</u> | <u>(Check appropriate box or boxes.)</u> |
| **PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT** | **PRUCO LIFE OF NEW JERSEY VARIABLE APPRECIABLE ACCOUNT** |
| (Exact Name of Registrant) | (Exact Name of Registrant) |
| **PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY** | **PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY** |
| (Name of Depositor) | (Name of Depositor) |
| **213 Washington Street** | **213 Washington Street** |
| **Newark, New Jersey 07102** | **Newark, New Jersey 07102** |
| **800-778-2255** | **800-778-2255** |
| (Address and telephone number of principal executive offices) | (Address and telephone number of principal executive offices) |
| <u>_____________</u> | <u>_____________</u> |
| **Amy M. Woltman** | **Amy M. Woltman** |
| **Pruco Life Insurance Company of New Jersey** | **Pruco Life Insurance Company of New Jersey** |
| **751 Broad Street** | **751 Broad Street** |
| **Newark, New Jersey 07102** | **Newark, New Jersey 07102** |
| (Name and address of agent for service) | (Name and address of agent for service) |
| Copies to: | Copies to: |
| **Christopher J. Madin** | **Christopher J. Madin** |
| **Vice President and Corporate Counsel** | **Vice President and Corporate Counsel** |
| **Pruco Life Insurance Company of New Jersey** | **Pruco Life Insurance Company of New Jersey** |
| **280 Trumbull Street** | **280 Trumbull Street** |
| **Hartford, Connecticut 06103** | **Hartford, Connecticut 06103** |
| <u>_____________</u> | <u>_____________</u> |
| Approximate Date of Proposed Public Offering: ___ | Approximate Date of Proposed Public Offering: ___ |
| **It is proposed that this filing will become effective (check appropriate space):** | **It is proposed that this filing will become effective (check appropriate space):** |
| **☐** immediately upon filing pursuant to paragraph (b) of rule 485 | **☐** immediately upon filing pursuant to paragraph (b) of rule 485 |
| **☑** on <u>May 1, 2026,</u> pursuant to paragraph (b) of rule 485 | **☑** on <u>May 1, 2026,</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. |

---

PROSPECTUS

**May 1, 2026**

***VUL Protector®*** 

AN INDIVIDUAL, FLEXIBLE PREMIUM, VARIABLE UNIVERSAL LIFE INSURANCE CONTRACT ISSUED BY:

**PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY** 

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

**213 WASHINGTON STREET**

**NEWARK, NEW JERSEY 07102**

**TELEPHONE: 800-778-2255**

*The* ***VUL Protector®*** *Contract (2021) was offered from May 10, 2021, through September 7, 2025, under form number VULPR-2021. 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.*

***As of September 8, 2025, Pruco Life Insurance Company of New Jersey no longer offered this Contract for sale.***

This prospectus describes the ***VUL Protector®*** Contract (2021) (the "Contract") offered by Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey", "us", "we", or "our"), a stock life insurance company. Pruco Life of New Jersey is an indirect, wholly owned subsidiary of The Prudential Insurance Company of America ("Prudential").

**Please read this prospectus before purchasing a *VUL Protector®* (2021) 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** | **Neuberger Berman**  |
| **American Funds®** | **Franklin Templeton®**  | **Prudential**  |
| **BNY Mellon** | **Invesco** | **TOPS – The Optimized Portfolio System®** |
| **Calvert** | **MFS**®  | |

---

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

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

------

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------

**TABLE OF CONTENTS** 

---

| | |
|:---|:---|
| | **Page** |
| **<u>[KEY INFORMATION](#i3a74142cc41242f0bb6ae30709033981_2084)</u>** | **<u>[1](#i3a74142cc41242f0bb6ae30709033981_2084)</u>** |
| **<u>[OVERVIEW OF THE CONTRACT](#i3a74142cc41242f0bb6ae30709033981_2092)</u>** | **<u>[3](#i3a74142cc41242f0bb6ae30709033981_2092)</u>** |
| **<u>[FEE TABLE](#i3a74142cc41242f0bb6ae30709033981_2098)</u>** | **<u>[4](#i3a74142cc41242f0bb6ae30709033981_2098)</u>** |
| **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i3a74142cc41242f0bb6ae30709033981_2106)</u>** | **<u>[6](#i3a74142cc41242f0bb6ae30709033981_2106)</u>** |
| **<u>[GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY](#i3a74142cc41242f0bb6ae30709033981_25)[OF NEW JERSEY](#i3a74142cc41242f0bb6ae30709033981_25)[, THE REGISTRANT, AND THE FUNDS](#i3a74142cc41242f0bb6ae30709033981_25)</u>** | **<u>[7](#i3a74142cc41242f0bb6ae30709033981_25)</u>** |
| <u>[Pruco Life](#i3a74142cc41242f0bb6ae30709033981_28)[Insurance Company](#i3a74142cc41242f0bb6ae30709033981_28)[of New Jersey](#i3a74142cc41242f0bb6ae30709033981_28)</u> | <u>[7](#i3a74142cc41242f0bb6ae30709033981_28)</u> |
| <u>[The Pruco Life](#i3a74142cc41242f0bb6ae30709033981_31)[of](#i3a74142cc41242f0bb6ae30709033981_31)[New Jersey](#i3a74142cc41242f0bb6ae30709033981_31)[Variable](#i3a74142cc41242f0bb6ae30709033981_31)[Appreciable](#i3a74142cc41242f0bb6ae30709033981_31)[Account](#i3a74142cc41242f0bb6ae30709033981_31)</u> | <u>[7](#i3a74142cc41242f0bb6ae30709033981_31)</u> |
| <u>[The Funds](#i3a74142cc41242f0bb6ae30709033981_34)</u> | <u>[7](#i3a74142cc41242f0bb6ae30709033981_34)</u> |
| <u>[Service Fees Payable To Pruco Life](#i3a74142cc41242f0bb6ae30709033981_43)[of New](#i3a74142cc41242f0bb6ae30709033981_43)[Jersey](#i3a74142cc41242f0bb6ae30709033981_43)</u> | <u>[8](#i3a74142cc41242f0bb6ae30709033981_43)</u> |
| <u>[AST Funds](#i3a74142cc41242f0bb6ae30709033981_46)</u> | <u>[9](#i3a74142cc41242f0bb6ae30709033981_46)</u> |
| <u>[Voting Rights](#i3a74142cc41242f0bb6ae30709033981_49)</u> | <u>[9](#i3a74142cc41242f0bb6ae30709033981_49)</u> |
| <u>[Substitution Of Variable Investment Options](#i3a74142cc41242f0bb6ae30709033981_52)</u> | <u>[10](#i3a74142cc41242f0bb6ae30709033981_52)</u> |
| <u>[The Fixed Rate Option](#i3a74142cc41242f0bb6ae30709033981_55)</u> | <u>[10](#i3a74142cc41242f0bb6ae30709033981_55)</u> |
| **<u>[CHARGES AND EXPENSES](#i3a74142cc41242f0bb6ae30709033981_58)</u>** | **<u>[10](#i3a74142cc41242f0bb6ae30709033981_58)</u>** |
| <u>[Sales Charge On Premium](#i3a74142cc41242f0bb6ae30709033981_61)</u> | <u>[10](#i3a74142cc41242f0bb6ae30709033981_61)</u> |
| <u>[Premium-Based Administrative Charge](#i3a74142cc41242f0bb6ae30709033981_64)</u> | <u>[10](#i3a74142cc41242f0bb6ae30709033981_64)</u> |
| <u>[Surrender Charge](#i3a74142cc41242f0bb6ae30709033981_67)</u> | <u>[10](#i3a74142cc41242f0bb6ae30709033981_67)</u> |
| <u>[Cost Of Insurance](#i3a74142cc41242f0bb6ae30709033981_70)</u> | <u>[11](#i3a74142cc41242f0bb6ae30709033981_70)</u> |
| <u>[Administrative Charge For Basic Insurance Amount](#i3a74142cc41242f0bb6ae30709033981_73)</u> | <u>[11](#i3a74142cc41242f0bb6ae30709033981_73)</u> |
| <u>[Mortality And Expense Risk Charge](#i3a74142cc41242f0bb6ae30709033981_76)</u> | <u>[12](#i3a74142cc41242f0bb6ae30709033981_76)</u> |
| <u>[Additional Mortality Charge For Certain Risks](#i3a74142cc41242f0bb6ae30709033981_79)</u> | <u>[12](#i3a74142cc41242f0bb6ae30709033981_79)</u> |
| <u>[Transaction Charges](#i3a74142cc41242f0bb6ae30709033981_82)</u> | <u>[12](#i3a74142cc41242f0bb6ae30709033981_82)</u> |
| <u>[Charges For Rider Coverage](#i3a74142cc41242f0bb6ae30709033981_85)</u> | <u>[12](#i3a74142cc41242f0bb6ae30709033981_85)</u> |
| <u>[Net Interest On Loans](#i3a74142cc41242f0bb6ae30709033981_88)</u> | <u>[13](#i3a74142cc41242f0bb6ae30709033981_88)</u> |
| <u>[Fund Expenses](#i3a74142cc41242f0bb6ae30709033981_91)</u> | <u>[13](#i3a74142cc41242f0bb6ae30709033981_91)</u> |
| <u>[Allocated Charges](#i3a74142cc41242f0bb6ae30709033981_94)</u> | <u>[13](#i3a74142cc41242f0bb6ae30709033981_94)</u> |
| <u>[Charges After Age 121](#i3a74142cc41242f0bb6ae30709033981_97)</u> | <u>[13](#i3a74142cc41242f0bb6ae30709033981_97)</u> |
| <u>[Commissions Paid To Broker-Dealers](#i3a74142cc41242f0bb6ae30709033981_2131)</u> | <u>[13](#i3a74142cc41242f0bb6ae30709033981_2131)</u> |
| **<u>[PERSONS HAVING RIGHTS UNDER THE CONTRACT](#i3a74142cc41242f0bb6ae30709033981_100)</u>** | **<u>[13](#i3a74142cc41242f0bb6ae30709033981_100)</u>** |
| <u>[Contract Owner](#i3a74142cc41242f0bb6ae30709033981_103)</u> | <u>[13](#i3a74142cc41242f0bb6ae30709033981_103)</u> |
| <u>[Beneficiary](#i3a74142cc41242f0bb6ae30709033981_106)</u> | <u>[13](#i3a74142cc41242f0bb6ae30709033981_106)</u> |
| **<u>[OTHER GENERAL CONTRACT PROVISIONS](#i3a74142cc41242f0bb6ae30709033981_109)</u>** | **<u>[14](#i3a74142cc41242f0bb6ae30709033981_109)</u>** |
| <u>[Canceling the Contract](#i3a74142cc41242f0bb6ae30709033981_112)</u> | <u>[14](#i3a74142cc41242f0bb6ae30709033981_112)</u> |
| <u>[Assignment](#i3a74142cc41242f0bb6ae30709033981_115)</u> | <u>[14](#i3a74142cc41242f0bb6ae30709033981_112)</u> |
| <u>[Incontestability](#i3a74142cc41242f0bb6ae30709033981_118)</u> | <u>[14](#i3a74142cc41242f0bb6ae30709033981_118)</u> |
| <u>[Misstatement Of Age Or Sex](#i3a74142cc41242f0bb6ae30709033981_121)</u> | <u>[14](#i3a74142cc41242f0bb6ae30709033981_121)</u> |
| <u>[Suicide Exclusion](#i3a74142cc41242f0bb6ae30709033981_124)</u> | <u>[14](#i3a74142cc41242f0bb6ae30709033981_124)</u> |
| **<u>[STANDARD DEATH BENEFITS](#i3a74142cc41242f0bb6ae30709033981_187)</u>** | **<u>[14](#i3a74142cc41242f0bb6ae30709033981_187)</u>** |
| <u>[Types Of Death Benefit](#i3a74142cc41242f0bb6ae30709033981_190)</u>  | <u>[14](#i3a74142cc41242f0bb6ae30709033981_190)</u> |
| <u>[Changing the Type Of Death Benefit](#i3a74142cc41242f0bb6ae30709033981_193)</u> | <u>[14](#i3a74142cc41242f0bb6ae30709033981_193)</u> |
| <u>[Decreasing the Basic Insurance Amount](#i3a74142cc41242f0bb6ae30709033981_196)</u> | <u>[15](#i3a74142cc41242f0bb6ae30709033981_196)</u> |
| <u>[Death Claim Settlement Options](#i3a74142cc41242f0bb6ae30709033981_199)</u> | <u>[15](#i3a74142cc41242f0bb6ae30709033981_199)</u> |
| <u>[When Death Benefit Proceeds Are Paid](#i3a74142cc41242f0bb6ae30709033981_202)</u> | <u>[15](#i3a74142cc41242f0bb6ae30709033981_202)</u> |
| **<u>[OTHER BENEFITS AVAILABLE UNDER THE CONTRACT](#i3a74142cc41242f0bb6ae30709033981_2141)</u>** | **<u>[16](#i3a74142cc41242f0bb6ae30709033981_2141)</u>** |
| **<u>[LIMITED NO-LAPSE GUARANTEE](#i3a74142cc41242f0bb6ae30709033981_127)</u>** | **<u>[17](#i3a74142cc41242f0bb6ae30709033981_127)</u>** |

---

------

---

| | |
|:---|:---|
| **<u>[RIDERS](#i3a74142cc41242f0bb6ae30709033981_130)</u>** | **<u>[18](#i3a74142cc41242f0bb6ae30709033981_130)</u>** |
| <u>[Lapse Protection Rider](#i3a74142cc41242f0bb6ae30709033981_133)</u> | <u>[18](#i3a74142cc41242f0bb6ae30709033981_133)</u> |
| <u>[BenefitAccess Rider (for Contracts issued with rider form number VL 145 B6-20](#i3a74142cc41242f0bb6ae30709033981_2370)[20](#i3a74142cc41242f0bb6ae30709033981_2370)[)](#i3a74142cc41242f0bb6ae30709033981_2370)</u> | <u>[19](#i3a74142cc41242f0bb6ae30709033981_2370)</u> |
| <u>[BenefitAccess Rider (](#i3a74142cc41242f0bb6ae30709033981_136)[for Contracts issued with rider form number VL 145 B4-2016))](#i3a74142cc41242f0bb6ae30709033981_136)</u> | <u>[23](#i3a74142cc41242f0bb6ae30709033981_136)</u> |
| <u>[Accidental Death Benefit Rider](#i3a74142cc41242f0bb6ae30709033981_139)</u> | <u>[27](#i3a74142cc41242f0bb6ae30709033981_139)</u> |
| <u>[Children Level Term Rider](#i3a74142cc41242f0bb6ae30709033981_142)</u> | <u>[27](#i3a74142cc41242f0bb6ae30709033981_142)</u> |
| <u>[Enhanced Disability Benefit Rider](#i3a74142cc41242f0bb6ae30709033981_145)</u> | <u>[27](#i3a74142cc41242f0bb6ae30709033981_145)</u> |
| <u>[Living Needs Benefit](#i3a74142cc41242f0bb6ae30709033981_148)</u><sup>SM</sup><u>[Rider](#i3a74142cc41242f0bb6ae30709033981_148)</u> | <u>[27](#i3a74142cc41242f0bb6ae30709033981_148)</u> |
| <u>[Overloan Protection Rider](#i3a74142cc41242f0bb6ae30709033981_151)</u> | <u>[28](#i3a74142cc41242f0bb6ae30709033981_151)</u> |
| **<u>[REQUIREMENTS FOR ISSUANCE OF A CONTRACT](#i3a74142cc41242f0bb6ae30709033981_154)</u>** | **<u>[29](#i3a74142cc41242f0bb6ae30709033981_154)</u>** |
| <u>[Underwriting Procedures](#i3a74142cc41242f0bb6ae30709033981_157)</u> | <u>[29](#i3a74142cc41242f0bb6ae30709033981_157)</u> |
| <u>[Contract Date](#i3a74142cc41242f0bb6ae30709033981_160)</u> | <u>[29](#i3a74142cc41242f0bb6ae30709033981_160)</u> |
| **<u>[PREMIUMS](#i3a74142cc41242f0bb6ae30709033981_163)</u>** | **<u>[30](#i3a74142cc41242f0bb6ae30709033981_163)</u>** |
| <u>[Minimum Initial Premium](#i3a74142cc41242f0bb6ae30709033981_166)</u> | <u>[30](#i3a74142cc41242f0bb6ae30709033981_166)</u> |
| <u>[Available Types Of Premium](#i3a74142cc41242f0bb6ae30709033981_169)</u> | <u>[30](#i3a74142cc41242f0bb6ae30709033981_169)</u> |
| <u>[Allocation Of Premiums](#i3a74142cc41242f0bb6ae30709033981_172)</u> | <u>[30](#i3a74142cc41242f0bb6ae30709033981_172)</u> |
| <u>[Processing And Valuing Transactions](#i3a74142cc41242f0bb6ae30709033981_175)</u>  | <u>[31](#i3a74142cc41242f0bb6ae30709033981_175)</u> |
| <u>[Transfers And Restrictions On Transfers](#i3a74142cc41242f0bb6ae30709033981_178)</u> | <u>[31](#i3a74142cc41242f0bb6ae30709033981_178)</u> |
| <u>[Dollar Cost Averaging](#i3a74142cc41242f0bb6ae30709033981_181)</u> | <u>[32](#i3a74142cc41242f0bb6ae30709033981_181)</u> |
| <u>[Auto-Rebalancing](#i3a74142cc41242f0bb6ae30709033981_184)</u> | <u>[33](#i3a74142cc41242f0bb6ae30709033981_184)</u> |
| **<u>[CONTRACT VALUES](#i3a74142cc41242f0bb6ae30709033981_205)</u>** | **<u>[33](#i3a74142cc41242f0bb6ae30709033981_205)</u>** |
| <u>[How a Contract's Cash Surrender Value Will Vary](#i3a74142cc41242f0bb6ae30709033981_208)</u> | <u>[33](#i3a74142cc41242f0bb6ae30709033981_208)</u> |
| <u>[Persistency Credit](#i3a74142cc41242f0bb6ae30709033981_211)</u> | <u>[33](#i3a74142cc41242f0bb6ae30709033981_211)</u> |
| <u>[Loans](#i3a74142cc41242f0bb6ae30709033981_214)</u> | <u>[34](#i3a74142cc41242f0bb6ae30709033981_214)</u> |
| <u>[Withdrawals](#i3a74142cc41242f0bb6ae30709033981_217)</u> | <u>[34](#i3a74142cc41242f0bb6ae30709033981_217)</u> |
| <u>[Surrender Of a Contract](#i3a74142cc41242f0bb6ae30709033981_220)</u> | <u>[35](#i3a74142cc41242f0bb6ae30709033981_220)</u> |
| <u>[When Proceeds Are Paid](#i3a74142cc41242f0bb6ae30709033981_223)</u> | <u>[35](#i3a74142cc41242f0bb6ae30709033981_223)</u> |
| **<u>[LAPSE AND REINSTATEMENT](#i3a74142cc41242f0bb6ae30709033981_226)</u>** | **<u>[36](#i3a74142cc41242f0bb6ae30709033981_226)</u>** |
| **<u>[TAXES](#i3a74142cc41242f0bb6ae30709033981_229)</u>** | **<u>[36](#i3a74142cc41242f0bb6ae30709033981_229)</u>** |
| <u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</u> | <u>[36](#i3a74142cc41242f0bb6ae30709033981_232)</u> |
| <u>[Company Taxes](#i3a74142cc41242f0bb6ae30709033981_235)</u> | <u>[39](#i3a74142cc41242f0bb6ae30709033981_235)</u> |
| **<u>[DISTRIBUTION AND COMPENSATION](#i3a74142cc41242f0bb6ae30709033981_238)</u>** | **<u>[39](#i3a74142cc41242f0bb6ae30709033981_238)</u>** |
| **<u>[LEGAL PROCEEDINGS](#i3a74142cc41242f0bb6ae30709033981_241)</u>** | **<u>[40](#i3a74142cc41242f0bb6ae30709033981_241)</u>** |
| **<u>[FINANCIAL STATEMENTS](#i3a74142cc41242f0bb6ae30709033981_244)</u>** | **<u>[40](#i3a74142cc41242f0bb6ae30709033981_244)</u>** |
| **<u>[ADDITIONAL INFORMATION](#i3a74142cc41242f0bb6ae30709033981_247)</u>** | **<u>[40](#i3a74142cc41242f0bb6ae30709033981_247)</u>** |
| **<u>[APPENDIX](#i3a74142cc41242f0bb6ae30709033981_2148)[A](#i3a74142cc41242f0bb6ae30709033981_2148)[: Funds Available Under the Contract](#i3a74142cc41242f0bb6ae30709033981_2148)</u>**  | **<u>[A-i](#i3a74142cc41242f0bb6ae30709033981_2148)</u>** |
| **<u>[GLOSSARY: Definitions Of Special Terms Used In This Prospectus](#i3a74142cc41242f0bb6ae30709033981_250)</u>** | **<u>[B-i](#i3a74142cc41242f0bb6ae30709033981_250)</u>** |

---

------

**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</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** | If you withdraw money from the Contract within the first 14 Contract Years, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $3.54 to $43.16 per $1,000 of Basic Insurance Amount. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $4,316.00. The surrender charge applies to surrenders, lapses, withdrawals from Contracts with a Type A (fixed) Death Benefit, and reductions in Basic Insurance Amount. For more information on early withdrawal charges, please refer to the **<u>[Surrender Charge](#i3a74142cc41242f0bb6ae30709033981_67)</u>** subsection of this prospectus.  | If you withdraw money from the Contract within the first 14 Contract Years, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $3.54 to $43.16 per $1,000 of Basic Insurance Amount. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $4,316.00. The surrender charge applies to surrenders, lapses, withdrawals from Contracts with a Type A (fixed) Death Benefit, and reductions in Basic Insurance Amount. For more information on early withdrawal charges, please refer to the **<u>[Surrender Charge](#i3a74142cc41242f0bb6ae30709033981_67)</u>** subsection of this prospectus.  | If you withdraw money from the Contract within the first 14 Contract Years, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $3.54 to $43.16 per $1,000 of Basic Insurance Amount. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $4,316.00. The surrender charge applies to surrenders, lapses, withdrawals from Contracts with a Type A (fixed) Death Benefit, and reductions in Basic Insurance Amount. For more information on early withdrawal charges, please refer to the **<u>[Surrender Charge](#i3a74142cc41242f0bb6ae30709033981_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 sales charges on premiums paid under the Contract, administrative charges (to cover local, state and federal taxes, and other charges that are based on premiums), 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 will be subjected to significantly higher sales charges. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#i3a74142cc41242f0bb6ae30709033981_2098)</u>** and **<u>[CHARGES AND EXPENSES](#i3a74142cc41242f0bb6ae30709033981_58)</u>** sections of this prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include sales charges on premiums paid under the Contract, administrative charges (to cover local, state and federal taxes, and other charges that are based on premiums), 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 will be subjected to significantly higher sales charges. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#i3a74142cc41242f0bb6ae30709033981_2098)</u>** and **<u>[CHARGES AND EXPENSES](#i3a74142cc41242f0bb6ae30709033981_58)</u>** sections of this prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include sales charges on premiums paid under the Contract, administrative charges (to cover local, state and federal taxes, and other charges that are based on premiums), 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 will be subjected to significantly higher sales charges. For more information on transaction charges, please refer to the **<u>[FEE TABLE](#i3a74142cc41242f0bb6ae30709033981_2098)</u>** and **<u>[CHARGES AND EXPENSES](#i3a74142cc41242f0bb6ae30709033981_58)</u>** sections of this prospectus.  |
| **Ongoing Fees And Expenses**  | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: | In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (*e.g.*, age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates.<br>Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table: |
| **Ongoing Fees And Expenses**  | **Annual Fee** | **Minimum** | **Maximum** |
| **Ongoing Fees And Expenses**  | Investment options<br>(Fund fees and expenses) | 0.28% | 1.19% |
| **Ongoing Fees And Expenses**  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#i3a74142cc41242f0bb6ae30709033981_2098)</u>** section of this prospectus and **<u>[APPENDIX A](#i3a74142cc41242f0bb6ae30709033981_2148)</u>**, which is part of this prospectus.  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#i3a74142cc41242f0bb6ae30709033981_2098)</u>** section of this prospectus and **<u>[APPENDIX A](#i3a74142cc41242f0bb6ae30709033981_2148)</u>**, which is part of this prospectus.  | For more information on ongoing fees and expenses, please refer to the **<u>[FEE TABLE](#i3a74142cc41242f0bb6ae30709033981_2098)</u>** section of this prospectus and **<u>[APPENDIX A](#i3a74142cc41242f0bb6ae30709033981_2148)</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](#i3a74142cc41242f0bb6ae30709033981_2106)</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](#i3a74142cc41242f0bb6ae30709033981_2106)</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](#i3a74142cc41242f0bb6ae30709033981_2106)</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](#i3a74142cc41242f0bb6ae30709033981_2106)</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](#i3a74142cc41242f0bb6ae30709033981_2106)</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](#i3a74142cc41242f0bb6ae30709033981_2106)</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](#i3a74142cc41242f0bb6ae30709033981_34)</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](#i3a74142cc41242f0bb6ae30709033981_34)</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](#i3a74142cc41242f0bb6ae30709033981_34)</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 PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, THE REGISTRANT, AND THE FUNDS](#i3a74142cc41242f0bb6ae30709033981_25)</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 PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, THE REGISTRANT, AND THE FUNDS](#i3a74142cc41242f0bb6ae30709033981_25)</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 PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, THE REGISTRANT, AND THE FUNDS](#i3a74142cc41242f0bb6ae30709033981_25)</u>** section of this prospectus. |

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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| | |
|:---|:---|
| **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. 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](#i3a74142cc41242f0bb6ae30709033981_226)</u>** section of this prospectus. |
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Investments** | You may, up to 12 times each Contract Year, transfer amounts among the Variable Investment Options. 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](#i3a74142cc41242f0bb6ae30709033981_178)</u>** subsection of this prospectus and **<u>[APPENDIX A](#i3a74142cc41242f0bb6ae30709033981_2148)</u>**.  |
| **Optional Benefits** | As a Contract Owner, you may be able to obtain extra fixed benefits, which may require additional charges. These optional insurance benefits are described in what is known as a "rider" to the Contract. Riders are generally only available at Contract issuance, unless noted otherwise.<br>Some riders may depend on the performance of the Contract Fund. Rider benefits will no longer be available if the Contract lapses and most rider benefits will no longer be available if you choose to keep the Contract in force under the Overloan Protection Rider. Some riders are not available in conjunction with other riders and other restrictions may apply. Investment options will be restricted if certain riders are exercised. For more information on optional benefits under the Contract, please refer to the **<u>[RIDERS](#i3a74142cc41242f0bb6ae30709033981_130)</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](#i3a74142cc41242f0bb6ae30709033981_229)</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](#i3a74142cc41242f0bb6ae30709033981_238)</u>** section and the **<u>[Commissions Paid To Broker-Dealers](#i3a74142cc41242f0bb6ae30709033981_2131)</u>** subsection of this prospectus.  |
| **Exchanges** | Some investment professionals may have a financial incentive to offer you a contract in place of the one you already own. You should only exchange your existing life insurance contract if you determine after comparing the features, fees, and risks of both contracts, that it is preferable to purchase the contract, rather than continue to own your existing contract. For more information on exchanges, please refer to the paragraph titled **Replacement Of a Contract** in the **<u>[PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i3a74142cc41242f0bb6ae30709033981_2106)</u>** section of this prospectus. |

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

**OVERVIEW OF THE CONTRACT**

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

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

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

Some Contract forms, features, and/or Variable Investment Options described in this prospectus may not be available through all brokers. The Contract form number for this Contract is VULPR-2021. 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 sales charges. Under certain circumstances we reserve the right to refuse to accept premium payments. Please refer to the **<u>[PREMIUMS](#i3a74142cc41242f0bb6ae30709033981_163)</u>** and **<u>[CHARGES AND EXPENSES](#i3a74142cc41242f0bb6ae30709033981_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 sales charge and the premium-based administrative charge from the initial premium. During the 10-day period following your receipt of the Contract, the remainder of the initial premium and any other net premium is allocated to the designated money market investment option available with your Contract as of the end of the Valuation Period in which it is received in Good Order at the Payment Office. The first monthly deductions are made after the remainder of the initial premium and any other net premium is allocated to the money market investment option. After the 10th day, these funds, adjusted for any investment results, are transferred out of the money market investment option and allocated according to your current premium allocation. The transfer from the money market investment option on the 10th day following receipt of the Contract is not counted as one of your free annual transfers.

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

*<u>Contract Features</u>*

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

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

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

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

**Investment Choices** – You may choose to allocate your net premiums and earnings to one or more of the available Variable Investment Options or our Fixed Rate Option. You may change the way in which subsequent premiums are allocated. You may transfer money among your investment choices, subject to restrictions. In addition, you may use our dollar cost averaging feature or our automatic rebalancing feature. **Information about each Variable Investment Option available under the Contract is provided in <u>[APPENDIX A](#i3a74142cc41242f0bb6ae30709033981_2148)</u>**.

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

**Death Benefit Protection** – The Contract includes at no additional cost a Limited No-Lapse Guarantee and a Lapse Protection Rider. These provide conditional guarantees that can keep your Contract in effect regardless of investment performance or Contract Fund value. The Limited No-lapse Guarantee can protect your Contract during the first five Contract years. The Lapse Protection Rider can protect your Contract starting in the sixth Contract year. Both are subject to requirements for maintaining the guarantees. The guarantees may not last for the period of time you wish to keep your Contract.

**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](#i3a74142cc41242f0bb6ae30709033981_2098)</u>**. Except for the Living Needs Benefit<sup>SM</sup> Rider, all riders are only available at Contract issuance. Selectable riders include:

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

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

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

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

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

• 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 10th Contract Anniversary will be considered preferred loans and are charged a lower annual interest rate.

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

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

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

**FEE TABLE**

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Your Contract's data pages will provide information about the specific fees you will pay each year based on the options you have elected. For more information please refer to the **<u>[CHARGES AND EXPENSES](#i3a74142cc41242f0bb6ae30709033981_58)</u>** section in this prospectus.

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

---

| | | | |
|:---|:---|:---|:---|
| **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** | **TRANSACTION FEES** |
| **Charge** | **When Charge Is Deducted** | **Amount Deducted** | **Amount Deducted** |
| **Charge** | **When Charge Is Deducted** | Guaranteed (Maximum) | Current |
| **Sales Charge On Premiums** (load) | Deducted from premium payments. |  |  |
| Up To Sales Load Target Premium: | Deducted from premium payments. | 6% | 3% |
| In Excess Of Sales Load Target Premium: | Deducted from premium payments. | 30% | 15% |
| **Premium-Based Administrative Charge**<br>(Charge for state and federal premium taxes and other charges that are based on premiums.) | Deducted from premium payments. | 7.5% | 3.75% |
| **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 $3.54 to $43.16 | From $3.54 to $43.16 |
| Initial surrender charge for a representative Contract Owner.<sup>(3)</sup> | Upon lapse, surrender, or decrease in Basic Insurance Amount. | $31.17 | $31.17 |
| **Transfer fee** | Each transfer exceeding 12 in any Contract Year. | $25 | $0 |
| **Withdrawal fee** | Upon withdrawal. | $25 | $0 |
| **Basic Insurance Amount decrease fee** | Upon decrease in Basic Insurance Amount. | $25 | $0 |
| **Contract illustration fee** | Each illustration request exceeding one in any Contract Year. | $25 | $0 |
| **BenefitAccess Rider fee** | One-time charge when the Terminal Illness Option of the rider is exercised. | $150 | $150 |
| **Living Needs Benefit**<sup>SM</sup> **Rider fee** | When benefit is paid. | $150 | $150 |
| **Overloan Protection Rider fee**<br>(Percentage of the Contract Fund amount.) | One-time charge upon exercising the rider benefit. | 3.5% | 3.5% |

---

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

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

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

**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** | | | |
| **Charge** | **When Charge**<br>**Is Deducted** | **Amount Deducted** | |
|  | **When Charge**<br>**Is Deducted** | Guaranteed (Maximum) | Current |
| **Base Contract Charges:** |  |  |  |
| **Cost Of Insurance ("COI")**<br> for the Basic Insurance Amount.<sup>(1)(2)(3)</sup><br>(Minimum and maximum charge per $1,000 of the Net Amount At Risk.) | Monthly | From $0.0067 to $83.34 | From $0.006 to $83.34 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.492 | $0.161 |
| **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 $0.04 to $1.52, <br>plus $9 | From $0.04 to $1.52, <br>plus $9 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.25 plus $9 | $0.25<sup>(6)</sup> plus $9 |
| **Mortality And Expense Risk Charge**<sup>(7)</sup><br>(Calculated as a percentage of assets in Variable Investment Options.) | Daily | 0.45% | 0.25% |
| **Additional Mortality Charge For Certain Risks** <br>associated with health conditions, occupations, avocations, or aviation.<sup>(2)(8)</sup><br>(Flat extra per $1,000 of Basic Insurance Amount.) | Monthly | From $0.10 to $2.08 | From $0.10 to $2.08 |
| **Net Interest On Loans** | Annually | 1% for standard loans.<br>0.05% for preferred loans. | 1% for standard loans.<br>0.05% for preferred loans. |
| **Optional Benefits Charges:** |  |  |  |
| **Accidental Death Benefit Rider**<sup>(2)(5)</sup><br>(Minimum and maximum charge per $1,000 of the coverage amount.) | Monthly | From $0.043 to $0.28 | From $0.043 to $0.28 |
| Charge for a representative Contract Owner.<sup>(4)</sup> | Monthly | $0.178 | $0.178 |
| **BenefitAccess Rider**<sup>(1)(2)</sup><br>for Contracts issued on or after August 21, 2023, and/or with rider form number VL 145 B6-2020.<br>(Minimum and maximum cost of insurance charge per $1,000 of the Net Amount At Risk.)<br>2% Monthly Benefit Percentage: <br>4% Monthly Benefit Percentage:  | Monthly | <br>From $0.0021 to $14.74<br>From$0.0037 to $22.11 | <br>From $0.0021 to $14.74<br>From $0.0037 to $22.11 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup><br>2% Monthly Benefit Percentage: <br>4% Monthly Benefit Percentage:  | Monthly | $0.0266<br>$0.04 | $0.0266<br>$0.04 |
| **BenefitAccess Rider**<sup>(1)(2)</sup>****<br> for Contracts issued prior to August 21, 2023, and/or with rider form number VL 145 B4-2016.<br>(Minimum and maximum cost of insurance charge per $1,000 of the Net Amount At Risk.)<br>2% Monthly Benefit Percentage: <br>4% Monthly Benefit Percentage:  | Monthly | <br>From $0.0021 to $10.17<br>From $0.0036 to $15.25 | <br>From $0.0021 to $10.17<br>From $0.0036 to $15.25 |
| Initial charge for a representative Contract Owner.<sup>(4)</sup><br>2% Monthly Benefit Percentage: <br>4% Monthly Benefit Percentage:  | Monthly | $0.0213<br>$0.0319 | $0.0213<br>$0.0319 |
| **Children Level Term Rider**<br> (Charge per $1,000 of the coverage amount.) | Monthly | $0.42 | 0.42 |
| **Enhanced Disability Benefit Rider**<sup>(2)(5)(9)</sup><br>Minimum and maximum charge (percentage of the monthly benefit amount). | Monthly | From 7.08% to 12.17% | From 7.08% to 12.17% |
| Charge for a representative Contract Owner.<sup>(10)</sup> | Monthly | 12.17% | 12.17% |

---

(1)The charge varies based on the individual characteristics of the insured, including such characteristics as age, sex, and underwriting classification, and Contract duration.(2)The charge shown in the table may not be representative of the charge that a particular Contract Owner will pay. You may obtain more information about the particular charges that apply to you by contacting your Pruco Life of New Jersey representative.

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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

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

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

(6)The duration of the charge is limited.

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

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

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

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

**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](#i3a74142cc41242f0bb6ae30709033981_2148)</u>.**

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| | | |
|:---|:---|:---|
| **Annual Fund Expenses** | **Minimum** | **Maximum** |
| (Expenses that are deducted from the Funds' assets, including management fees, any distribution and/or service (12b-1) fees, and other expenses, but not including reductions for any fee waiver or other reimbursements.) | 0.28% | 1.19% |

---

**PRINCIPAL RISKS OF INVESTING IN THE CONTRACT**

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

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

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

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

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

**Increase In Charges** – In several instances we will use the terms "maximum charge" and "current charge." The "maximum

charge," in each instance, is the highest charge that we may apply under the Contract. The "current charge," in each instance, is the amount that we now charge, which may be lower than the maximum charge. If circumstances change, we reserve the right to increase each current charge, up to the maximum charge.

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

**Contract Lapse** – On each Monthly Date we determine the value of your Contract Fund. The Contract is in default if the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less, unless it remains in force under the Limited No-Lapse Guarantee or Lapse Protection Rider. 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. A surrender charge may be deducted when any withdrawal causes a reduction in the Basic Insurance Amount. 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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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, the Death Benefit paid to the beneficiary could be subject to income tax in certain instances, such as if the Contract was previously transferred in 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 PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, 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") is a stock life insurance company, organized on September 17, 1982, under the laws of the state of New Jersey. It is licensed to sell life insurance and annuities only in the states of New Jersey and New York. Our principal executive office is located at 213 Washington Street, Newark, New Jersey 07102.

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

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

We are the legal owner of the assets in the Account. We will maintain assets in the Account with a total market value at least equal to the reserve and other liabilities relating to the variable benefits attributable to the Contracts. In addition to these assets, the Account's assets may include funds contributed by us to commence operation of the Account and may include accumulations of the charges we make against the Account.

From time to time we will transfer capital contributions to our general account. We will consider any possible adverse impact the transfer might have on the Account before making any such transfer.

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

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

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

**The Funds**

This Contract offers Funds managed by AST Investment Services, Inc. and PGIM Investments LLC, both of which are affiliated companies of Pruco Life of New Jersey ("Affiliated Funds"), and Funds managed by companies not affiliated with Pruco Life of New Jersey ("Unaffiliated Funds"). Pruco Life of New Jersey and its affiliates ("Prudential Companies") receive fees and payments from both the Affiliated Funds and the

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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](#i3a74142cc41242f0bb6ae30709033981_2148)</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](#i3a74142cc41242f0bb6ae30709033981_43)[of New Jersey](#i3a74142cc41242f0bb6ae30709033981_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](#i3a74142cc41242f0bb6ae30709033981_2148)[A](#i3a74142cc41242f0bb6ae30709033981_2148)</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](#i3a74142cc41242f0bb6ae30709033981_2148)</u>** to see which Variable Investment Options you may choose.

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

(1)changes in state insurance law;

(2)changes in federal income tax law;

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

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

The terms "Fund" and "portfolio" are largely used interchangeably. Some of the Funds use the term "Fund" and others use the term "portfolio" 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](#i3a74142cc41242f0bb6ae30709033981_2148)</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, 2026, 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.

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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 Contracts offered through this prospectus). **You should be aware that the operation of the formula in those variable annuity contracts may result in large-scale asset flows into and out of the Funds corresponding to the Variable Investment Options that are available with your Contract. These asset flows could adversely impact the Funds, including their risk profile, expenses and performance.** Because transfers between the Variable Investment Options and the AST bond fund can be frequent and the amount transferred can vary from day to day, any of the Funds could experience the following effects, among others:

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

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

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

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

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

**Voting Rights**

We are the legal owner of the shares of the Funds associated with the Variable Investment Options. However, we vote the shares according to voting instructions we receive from Contract Owners. We will mail you a proxy, which is a form you need to complete and return to us, to inform us how you wish us to vote. When we receive those instructions, we will vote all of the shares we own on your behalf in accordance with those instructions. We vote shares for which we do not receive instructions, and any other shares that we own in our own right, in the same proportion as the shares for which instructions are received. This voting procedure is sometimes referred to as "mirror voting" because, as indicated in the immediately preceding sentence, we mirror the votes that are actually cast, rather than decide on our own how to vote. We will also "mirror vote" shares that are owned directly by us or an affiliate (excluding shares held in the separate account of an affiliated insurer). In addition, because all the shares of a given Fund held within our Separate Account are legally owned by us, we intend to vote all of such shares when that Fund seeks a vote of its shareholders. As such, all such shares will be counted towards whether there is a quorum at the Fund's shareholder meeting and towards the ultimate outcome of the vote. Thus, under "mirror voting," it is possible that the votes of a small percentage of Contract Owners who actually vote will determine the ultimate outcome. Generally, you will be asked to provide instructions for us to vote on matters such as changes in a fundamental investment strategy, adoption of a new investment advisory agreement, or matters relating to the structure of the Fund that require a vote of shareholders. We may change the way your voting instructions are calculated if it is required by federal or state regulation. We reserve the right to change the voting procedures described above if applicable federal securities laws or SEC rules change in the future.

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

**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](#i3a74142cc41242f0bb6ae30709033981_178)</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](#i3a74142cc41242f0bb6ae30709033981_223)</u>**.

Because of exemptive and exclusionary provisions, interests in the Fixed Rate Option under the Contract have not been registered under the Securities Act of 1933 and the general account has not been registered as an investment company under the Investment Company Act of 1940.

**CHARGES AND EXPENSES**

There are Contract charges and Fund expenses associated with the Contract that reduce the return on your investment. These charges and expenses are described below. Most charges, although not all, are made by reducing the Contract Fund. Unless you direct otherwise, monthly charges are generally deducted proportionately from the dollar amounts held in each of the investment options. See **<u>[Allocated Charges](#i3a74142cc41242f0bb6ae30709033981_94)</u>**.

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

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

The charges under the Contract are designed to cover, in the aggregate, our direct and indirect costs of selling, administering and providing benefits under the Contract. They are also designed, in the aggregate, to compensate us for the risks of loss we assume pursuant to the Contract. If, as we expect, the charges that we collect from the Contract exceed our total costs in connection with the Contract, we will earn a profit. Otherwise, we will incur a loss. The rates of certain of our charges have been set with reference to estimates of the amount of specific types of expenses or risks that we will incur. In most cases, this prospectus identifies such expenses or risks in the name of the charge; however, the fact that any charge bears the name of, or is designed primarily to defray a particular expense or risk does not mean that the amount we collect from that charge will never be more than the amount of

such expense or risk. Nor does it mean that we may not also be compensated for such expense or risk out of any other charges we are permitted to deduct by the terms of the Contract. We may reduce stated fees under particular contracts as to which, due to economies of scale and other factors, our administrative costs are reduced.

**Sales Charge On Premium**

We deduct a sales charge on premiums received in all Contract Years. This charge, often called a "sales load", is deducted to compensate us for the costs of selling the Contracts, including commissions, advertising, and the printing and distribution of prospectuses and sales literature.

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 maximum sales load we may charge in any Contract Year is 6% on amounts up to Sales Load Target Premium and 30% on cumulative premium amounts in excess of Sales Load Target Premium. The current sales load we charge in any Contract Year is 3% on amounts up to Sales Load Target Premium and 15% on cumulative premium amounts in excess of Sales Load Target Premium.

The Sales Load Target Premium may vary from the No-Lapse Guarantee Premium, depending on the issue age and underwriting classification of the insured, any extra risk charges, or additional riders.

**Premium-Based Administrative Charge**

We may charge up to 7.5% of premiums received for a premium-based administrative charge, which includes any applicable federal, state or local income, premium, excise, or company tax, or any other type of charge (or component thereof) measured by or based upon the amount of premium we receive. This charge is currently 3.75% of the premiums received.

**Surrender Charge**

We assess a surrender charge if during the first 14 Contract Years the Contract lapses, is surrendered, or the Basic Insurance Amount is decreased (including as a result of a withdrawal or a Death Benefit type change). These surrender charges

------

**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

compensate us for costs associated with the Contracts, such as: processing applications, conducting examinations, determining insurability and the insured's rating class, and establishing records. While the amount of the surrender charge decreases over time, it may be a substantial portion of, or even equal to, your Contract Fund. We do not deduct a surrender charge from the Death Benefit if the insured dies during this period.

We deduct the maximum surrender charge that applies to your Contract. The initial surrender charge we deduct ranges from $3.54 to $43.16 per $1,000 of Basic Insurance Amount. For example, the initial surrender charge for a Contract with a female insured, age 65, in the preferred best underwriting class is $31.17 per $1,000 of Basic Insurance Amount. Your actual charge will vary by the insured's age, sex, and underwriting classification, and Contract duration. A schedule showing the surrender charges for a full surrender occurring each year that a surrender charge may be payable is found in the data pages of your Contract. The charge decreases to zero by the end of the 14th year.

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

---

| | |
|:---|:---|
| **Sample Surrender Charges** | **Sample Surrender Charges** |
| Surrender occurring during Contract Year: | Amount per $1,000 of Basic Insurance Amount: |
| 1 | $31.17 |
| 2 | $27.64 |
| 3 | $23.82 |
| 4 | $20.00 |
| 5 | $15.59 |
| 6 | $10.59 |
| 7 | $5.88 |
| 8 | $5.59 |
| 9 | $5.59 |
| 10 | $5.30 |
| 11 | $5.30 |
| 12 | $3.53 |
| 13 | $3.24 |
| 14 | $1.77 |
| 15+ | $0.00 |

---

If, during the first 14 Contract Years, the Basic Insurance Amount is decreased (including as a result of a withdrawal or a change in type of Death Benefit) we may deduct a percentage of the surrender charge. The percentage will be the amount by which the new Basic Insurance Amount is less than the threshold amount, divided by the threshold amount. The threshold amount is the lowest Basic Insurance Amount since the Contract was issued. After this transaction, a corresponding new surrender charge schedule will be determined to reflect that portion of the surrender charge deducted in the past.

**Cost Of Insurance**

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

Contract. The COI charges collected from all Contract Owners enables us to pay this larger Death Benefit.

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

The COI rates in effect at any given time vary by Contract duration, as well as the issue age, sex, and underwriting classification of the insured. The rates generally increase over time but are never more than the maximum charges listed in the Contract's data pages. The maximum COI rates are based upon the 2017 Commissioners Standard Ordinary Mortality Tables and vary by sex, smoker classification, and Attained Age of the insured. Our current COI rates range from $0.006 to $83.34 per $1,000 of Net Amount At Risk.

COI rates are applied to the Net Amount At Risk to determine the COI charge. Generally, a higher Contract Fund value in relation to the Death Benefit will result in a lower Net Amount At Risk and lower COI charge. A lower Contract Fund value in relation to the Death Benefit will result in a higher Net Amount At Risk and a higher COI charge. For Contracts with a Type A Death Benefit, the Net Amount At Risk generally changes as the Contract Fund changes. For Contracts with a Type B Death Benefit, the Net Amount At Risk generally does not change as the Contract Fund changes. See **<u>[Types Of Death Benefit](#i3a74142cc41242f0bb6ae30709033981_190)</u>**.

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

---

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

---

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

**Administrative Charge For Basic Insurance Amount** 

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

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:**  | &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:**  | &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:**  | &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:**  | &nbsp;&nbsp;&nbsp;**Sample Administrative Charges:**  |
| Issue Age | Male<br>Nonsmoker | Male<br>Smoker | Female<br>Nonsmoker | Female<br>Smoker |
| 35 | $0.08 | $0.11 | $0.08 | $0.11 |
| 45 | $0.11 | $0.15 | $0.10 | $0.15 |
| 55 | $0.19 | $0.23 | $0.14 | $0.21 |
| 65 | $0.28 | $0.31 | $0.26 | $0.31 |

---

The highest charge per $1,000 is $1.52 and applies to Contracts with insureds at age 80 and above at some of the worst rating classes. The lowest charge per thousand is $0.04 and applies to female nonsmoking classes at younger ages. 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 0.45%. Currently, we charge 0.25%. This charge is intended to compensate us for assuming mortality and expense risks under the Contract. The mortality risk we assume is that insureds may live for shorter periods of time than we estimated when mortality charges were determined. The expense risk we assume is that expenses incurred in issuing and administering the Contract will be greater than we estimated in fixing our administrative charges. This charge is not assessed against amounts allocated to the Fixed Rate Option.

**Additional Mortality Charge For Certain Risks**

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

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

**Transaction Charges**

(a)We may charge a transfer fee of up to $25 for each transfer exceeding 12 in any Contract Year. Currently, we do not charge a transaction fee for transfers. See **<u>[Transfers And Restrictions On Transfers](#i3a74142cc41242f0bb6ae30709033981_178)</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. A surrender charge may apply. See **<u>[Surrender Charge](#i3a74142cc41242f0bb6ae30709033981_67)</u>** and **<u>[Withdrawals](#i3a74142cc41242f0bb6ae30709033981_217)</u>**.

(c)We may charge a Basic Insurance Amount decrease fee of up to $25 for any decrease in Basic Insurance Amount. Currently, we do not charge a transaction fee for a decrease in the Basic Insurance Amount. A surrender charge may apply. See **<u>[Surrender Charge](#i3a74142cc41242f0bb6ae30709033981_67)</u>** and **<u>[Decreasing the Basic Insurance Amount](#i3a74142cc41242f0bb6ae30709033981_196)</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>[RIDERS](#i3a74142cc41242f0bb6ae30709033981_130)</u>**.

***Accidental Death Benefit Rider –*** We deduct a monthly charge for this rider, which provides an additional Death Benefit if the insured's death is accidental. The charge ranges from $0.043 to $0.28 per $1,000 of coverage based on issue age and sex of the insured, and is charged until the first Contract Anniversary on or after the insured's 100<sup>th</sup> birthday.

***BenefitAccess Rider –*** We deduct a monthly charge for this rider, which provides an acceleration of the Death Benefit in the event the insured is Chronically Ill or Terminally Ill. For Contracts issued on or after August 21, 2023, with rider form number VL 145 B6-2020, the current charge for the 2% Monthly Benefit Percentage ranges from $0.0021 to $14.74 per $1,000 of rider Net Amount At Risk and the current charge for the 4% Monthly Benefit Percentage ranges from $0.0037 to $22.11 per $1,000 of rider Net Amount At Risk. For Contracts issued with rider form number VL 145 B4-2016, the current charge for the 2% Monthly Benefit Percentage ranges from $0.0021 to $10.17 per $1,000 of rider Net Amount At Risk. The current charge for the 4% Monthly Benefit Percentage ranges from $0.0036 to $15.25 per $1,000 of rider Net Amount At Risk. The current charge is based on the Basic Insurance Amount, Monthly Benefit Percent, and Contract duration, as well as the insured's issue age, sex, and underwriting classification. Benefit Payments made under the Terminal Illness Option of this rider will incur a transaction charge of up to $150.

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

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

***Living Needs Benefit***<sup>SM</sup> ***Rider –*** We deduct a fee of up to $150 if you exercise this rider, which allows you to receive an accelerated payment of the Death Benefit if the insured becomes terminally ill.

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

**Net Interest On Loans** 

Interest charged on a loan accrues daily. We charge interest on the full loan amount, including all unpaid interest. Interest is due on the earlier of each Contract Anniversary and when the loan is paid back. The net interest on loans reflects the net difference between the interest rates charged and credited. A 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](#i3a74142cc41242f0bb6ae30709033981_214)</u>**.

**Fund Expenses**

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

**Allocated Charges**

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

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

**Charges After Age 121**

Beginning on the first Contract Anniversary on or after the insured's 121<sup>st</sup> birthday, we will no longer accept premiums or deduct monthly charges from the Contract Fund. You may

continue the Contract until the insured's death, or until you surrender the Contract for its Cash Surrender Value. You may continue to make transfers, loans, loan repayments, and withdrawals, subject to the limitations on these transactions described elsewhere in this prospectus. We will continue to make daily deductions for mortality and expense risk charges, and the Funds will continue to charge operating expenses if you have amounts in the Variable Investment Options. Any Contract loan will remain outstanding and continue to accrue interest until it is repaid. The Contract can only lapse if Contract Debt grows to be equal to or more than the cash value.

**Commissions Paid To Broker-Dealers**

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

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

Broker-dealers will receive compensation of up to 99% of premiums received in the first 12 months following the Contract Date on total premiums received since issue up to the Commissionable Target Premium, up to 22% of Commissionable Target Premium received in year two, up to 10% of the Commissionable Target Premium in years three and four, and up to 8.5% of the Commissionable Target Premium received in years five through 10. Moreover, broker-dealers will receive compensation of up to 5% on premiums received in year one, and up to 4% 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](#i3a74142cc41242f0bb6ae30709033981_238)</u>**.

**PERSONS HAVING RIGHTS UNDER THE CONTRACT**

**Contract Owner**

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

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

**Beneficiary**

The beneficiary is entitled to receive any benefit payable on the death of the insured. You may designate or, provided the beneficiary has not been irrevocably designated, change a beneficiary by sending us a request. If a beneficiary has been designated by you as irrevocable, it cannot be changed thereafter without the consent of the irrevocable beneficiary. We may ask you to send us the Contract to be endorsed. Once we receive your request in Good Order at our Service Office,

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

and the Contract if we ask for it, we will file and record the change and it will take effect as of the date you sign the request, unless a future effective date is specified by you. However, if we make any payment(s) before we receive the request in Good Order at our Service Office, or the chosen effective date of the request, we will not have to make the

payment(s) again. When we are made aware of an assignment, we will recognize the assignee's rights before any claim payments are made to the beneficiary, unless the beneficiary has been irrevocably designated. When a beneficiary is designated, any relationship shown is to the insured, unless otherwise stated.

**OTHER GENERAL CONTRACT PROVISIONS**

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

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

**Assignment**

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

**Incontestability**

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

**Misstatement Of Age Or Sex**

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

**Suicide Exclusion**

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

**STANDARD DEATH BENEFITS**

**Types Of Death Benefit** 

You must select from two types of Death Benefit at issue. A Contract with a Type A (fixed) Death Benefit has a Death Benefit which will generally equal the Basic Insurance Amount. Favorable investment results and additional premium payments will generally increase the Cash Surrender Value and decrease the Net Amount At Risk and result in lower charges. This type of Death Benefit does not vary with the investment performance of the investment options you selected, except when the premiums you pay or favorable investment performance causes the Contract Fund to grow to the point where we may increase the Death Benefit to ensure that the Contract will satisfy the Internal Revenue Code's definition of life insurance. See **<u>[Cost Of Insurance](#i3a74142cc41242f0bb6ae30709033981_70)</u>**, **<u>[PREMIUMS](#i3a74142cc41242f0bb6ae30709033981_163)</u>**, and **<u>[How a Contract's Cash Surrender Value Will Vary](#i3a74142cc41242f0bb6ae30709033981_208)</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](#i3a74142cc41242f0bb6ae30709033981_70)</u>**, **<u>[PREMIUMS](#i3a74142cc41242f0bb6ae30709033981_163)</u>**, and **<u>[How a Contract's Cash Surrender Value Will Vary](#i3a74142cc41242f0bb6ae30709033981_208)</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 and will result in the deduction of any applicable surrender charge. See **<u>[Withdrawals](#i3a74142cc41242f0bb6ae30709033981_217)</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](#i3a74142cc41242f0bb6ae30709033981_154)</u>**

------

**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

**<u>[OF A CONTRACT](#i3a74142cc41242f0bb6ae30709033981_154)</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](#i3a74142cc41242f0bb6ae30709033981_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. 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 results from a change in Death Benefit type. The chart assumes a $50,000 Contract Fund, a $300,000 Death Benefit, no applicable surrender charge, and no Contract Debt.

---

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

---

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 recalculate 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](#i3a74142cc41242f0bb6ae30709033981_232)</u>** .

When you submit a claim under the Chronic Illness Option of the BenefitAccess Rider, your Contract's Death Benefit type must be changed to Type A (if not already so) and remain as Type A for the duration of the Contract. See **<u>[BenefitAccess Rider](#i3a74142cc41242f0bb6ae30709033981_136)</u>.**

**Decreasing the Basic Insurance Amount** 

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

The following conditions must be met:

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

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

(c)The Contract must not be in default;

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

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

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

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

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

We may decline a decrease in the Basic Insurance Amount if we determine it would cause the Contract to fail to qualify as life insurance for purposes of Section 7702 of the Internal Revenue Code. Also, it is important to note that if the Basic Insurance Amount is decreased, there is a possibility that the Contract will be classified as a Modified Endowment Contract. See **<u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</u>**. You should consult with your tax adviser and your Pruco Life of New Jersey representative before requesting any decrease in Basic Insurance Amount.

**Death Claim Settlement Options**

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

**When Death Benefit Proceeds Are Paid**

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

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

------

**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

**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](#i3a74142cc41242f0bb6ae30709033981_2098)</u>**.

---

| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[Limited No-Lapse Guarantee](#i3a74142cc41242f0bb6ae30709033981_127)</u><sup>(1)</sup> | Provides limited guarantee against Contract lapse for first five Contract Years. Contract will not lapse as a result of unfavorable investment performance, subject to limitations. | Standard | • Withdrawals may void the guarantee.<br>• Outstanding Contract loans will void the guarantee.<br>• Only available if you have no Contract Debt and your Accumulated Net Payments is greater than the No-Lapse Guarantee Value. |
| <u>[Lapse Protection Rider](#i3a74142cc41242f0bb6ae30709033981_133)</u><sup>(1)</sup> | Provides guarantee that, beginning in the sixth Contract year, Contract will be kept in force and will not lapse. | Standard | • Outstanding Contract loans will void the guarantee.<br>• Only available if the No-Lapse Guarantee Value is greater than zero and there is no Contract Debt.<br>• For Contracts applied for on or after October 18, 2021, the guarantee ends on the Contract Anniversary on or following the insured's 91<sup>st</sup> birthday. |
| <u>[BenefitAccess Rider](#i3a74142cc41242f0bb6ae30709033981_136)</u><sup>(1)</sup> | Provides for an acceleration of the Death Benefit if the insured becomes Chronically Ill or Terminally Ill. | Optional | • Benefits are subject to certain eligibility requirements, and approval of the claim.<br>• A minimum Basic Insurance Amount of $100,000 is required for a Contract to be issued with the BenefitAccess Rider.<br>• Not available on Contracts that include the Enhanced Disability Benefit Rider or the Living Needs Benefit<sup>SM</sup> Rider. |
| <u>[Accidental Death Benefit Rider](#i3a74142cc41242f0bb6ae30709033981_139)</u><sup>(1)</sup> | Provides an additional Death Benefit that is payable if the insured's death is accidental. | Optional | • Death resulting from injury must occur no more than 90 days after the injury.<br>• Benefit will end on the earlier of: the end of the day before the first Contract Anniversary on or after the insured's 100<sup>th</sup> birthday and the first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office.<br>• Payments will not be paid for any death or injury that is caused or contributed to by war or an act of war.<br>• Not available on Contracts that have the Overloan Protection Rider. |
| <u>[Children Level Term Rider](#i3a74142cc41242f0bb6ae30709033981_142)</u><sup>(1)</sup> | Provides term life insurance coverage on the life of the insured's covered children. | Optional | Coverage on each dependent insured will end on the earliest of:<br>• The end of the day before the first Contract Anniversary on or after the primary insured's 75<sup>th</sup> birthday;<br>• The end of the day before the first Contract Anniversary on or after the child's 25<sup>th</sup> birthday;<br>• The end of the day before the date a rider is converted to a new Contract; and<br>• The first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office. |
| <u>[Enhanced Disability Benefit Rider](#i3a74142cc41242f0bb6ae30709033981_145)</u><sup>(1)</sup> | Pays a monthly benefit amount into the Contract if the insured is totally disabled. | Optional | • Coverage will end as of the first Contract Anniversary on or after the insured's 65<sup>th</sup> birthday.<br>• Payments will not be paid for any death or injury that is caused or contributed to by war or an act of war.<br>• Not available with Contracts that include the BenefitAccess Rider. |

---

------

**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

---

| | | | |
|:---|:---|:---|:---|
| **Name Of Benefit, continued** | **Purpose** | **Is Benefit Standard Or Optional** | **Brief Description Of Restrictions/Limitations** |
| <u>[Living Needs Benefit](#i3a74142cc41242f0bb6ae30709033981_148)</u><sup>SM</sup><u>[Rider](#i3a74142cc41242f0bb6ae30709033981_148)</u><sup>(2)</sup> | Allows you to elect to receive an accelerated payment of all or part of the Death Benefit, adjusted to reflect current value, if the insured becomes terminally ill. | Optional | • Requires certification of a physician for benefits to be paid.<br>• No benefit will be payable if you are required to elect it in order to meet the claims of creditors or to obtain a government benefit.<br>• With the exception of certain business-related Contracts, this benefit is excluded from income if the insured is terminally ill.<br>• Not available with Contracts that include the BenefitAccess Rider. |
| <u>[Overloan Protection Rider](#i3a74142cc41242f0bb6ae30709033981_151)</u><sup>(2)</sup> | If exercised, guarantees protection against Contract lapse due to loans, even if the Contract Debt exceeds the cash value of the Contract. | Optional | • Only available when Guideline Premium<sup>(3)</sup> is selected as the definition of life insurance test.<br>• Subject to various eligibility requirements, including the Contract must be in force for the later of 15 years and the Contract Anniversary after the insured's 75<sup>th</sup> birthday.<br>• If this rider is exercised, most riders will be terminated and most Contract changes and transactions will be prohibited.<br>• Not available on Contracts that have the Accidental Death Benefit Rider. |

---

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

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

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

**LIMITED NO-LAPSE GUARANTEE**

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

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

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

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

On each Monthly Date, we will compare your Accumulated Net Payments to the Limited No-Lapse Guarantee Value. If your Accumulated Net Payments equal or exceed the Limited No-

Lapse Guarantee Value, and there is no Contract Debt, then the Contract is kept in force, regardless of the amount in the Contract Fund.

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

---

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

---

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

See the **<u>[Lapse Protection Rider](#i3a74142cc41242f0bb6ae30709033981_133)</u>** for No-Lapse Guarantee information after the first five years.

------

**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

**RIDERS**

Contract Owners may be able to obtain extra fixed benefits, which may require additional charges. These optional insurance benefits will be described in what is known as a "rider" to the Contract. All riders are only available at Contract issuance, except as noted. The available riders include the following (as described more fully below):

• BenefitAccess Rider, which provides for an acceleration of the Death Benefit if the insured becomes Chronically Ill or Terminally Ill.

• Accidental Death Benefit Rider, which provides an additional Death Benefit that is payable if the insured's death is accidental.

• Children Level Term Rider, which provides term life insurance coverage on the life of the insured's covered children.

• Enhanced Disability Benefit Rider, which pays a monthly benefit amount into the Contract if the insured is totally disabled.

• Living Needs Benefit<sup>SM</sup> Rider, which allows you to elect to receive an accelerated payment of all or part of the Death Benefit, adjusted to reflect current value, if the insured becomes terminally ill. This rider may be added after Contract issuance, subject to our underwriting requirements.

• Overloan Protection Rider, which if exercised, guarantees protection against lapse due to loans, even if the Contract Debt exceeds the cash value of your Contract.

Additionally, each Contract is issued with an attached Lapse Protection Rider that is not optional. There is no charge for the Lapse Protection Rider.

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

Some riders may depend on the performance of the Contract Fund. Rider benefits will no longer be available if the Contract lapses. Most rider benefits will no longer be available if you choose to keep the Contract in force under the Overloan Protection Rider. Some riders may not be available through all brokers and some riders are not available in conjunction with other riders, and certain restrictions may apply as set forth below. 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.

**Lapse Protection Rider**

Your Contract is issued with an attached Lapse Protection Rider. Under the Lapse Protection Rider, beginning in the sixth Contract Year, we agree to keep your Contract in force and guarantee that your Contract will not lapse, as long as the No-Lapse Guarantee Value is greater than zero and there is no Contract Debt. For Contracts generally applied for on or after October 18, 2021, this rider ends on the Contract Anniversary on or following the insured's 91st birthday.

On the Contract Date and on each Monthly Date thereafter, we will calculate your No-Lapse Guarantee Value, which is equivalent to your No-Lapse Contract Fund. Your No-Lapse Contract Fund is the accumulated value of the no-lapse net premium amounts, plus no-lapse interest, and minus the monthly no-lapse charges. Additionally, the No-Lapse Contract

Fund is adjusted for any withdrawals and loans. Beginning in the sixth Contract Year, if the No-Lapse Guarantee Value is greater than zero and there is no Contract Debt, your Contract will remain in force until the next Monthly Date, even if you experience poor investment results and your Cash Surrender Value falls to zero or less.

For example assume a Contract where:

1. The Single No-Lapse Premium or Lifetime Modal No-Lapse Premium/Modal No-Lapse Premium is paid on or before the due date(s) (these illustrated premium amounts will provide lapse protection for the life of the insured, or for Contracts generally applied for on or after October 18, 2021, until the Contract Anniversary on or following the insured's 91st birthday);

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 for as long as the guarantee is available.

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 sales charge decreases, we will subtract a no-lapse sales charge no greater than the amount we would subtract if that premium were received on the Contract Anniversary.

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

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

If the Cash Surrender Value is zero or less and 1) the No-Lapse Guarantee Value equals zero or less, or 2) the No-Lapse Guarantee Value is greater than zero and you have Contract Debt, your Contract will be in default. If you take withdrawals

------

**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

and loans from your Contract, you increase the risk that your Contract will go into default. See **<u>[LAPSE AND REINSTATEMENT](#i3a74142cc41242f0bb6ae30709033981_226)</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](#i3a74142cc41242f0bb6ae30709033981_163)</u>** and **<u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</u>**.

**BenefitAccess Rider**

***For Contracts issued on or after August 21, 2023 (rider form number VL 145 B6-2020). For prior version, see below.***

The BenefitAccess Rider provides for the acceleration of the Death Benefit in the event the insured is Chronically Ill, subject to certain eligibility requirements, and approval of the claim ("Chronic Illness Option"). This rider will also provide acceleration of all or part of the Death Benefit if the insured becomes Terminally Ill, subject to certain eligibility requirements and approval of the claim ("Terminal Illness Option"). This rider is only available at Contract issuance and there is a charge for this rider. You may terminate this rider at any time. Canceling this rider within 30 days of receiving it will cancel it from the start and we will refund an amount equal to any rider charges deducted. This rider is not available on Contracts that include the Enhanced Disability Benefit Rider or the Living Needs Benefit<sup>SM</sup> Rider.

Exercise of an accelerated Death Benefit option under this rider will cause a reduction in, or elimination of, the Contract's Death Benefit, cash value, and loan value as described below under ***Impact Of Rider Benefits On Contract And Riders***. Premiums or charges needed to keep the Contract in force will also be reduced based on the reduced Death Benefit. There may be adverse tax consequences in the event you accelerate the Death Benefit. See **<u>[Tax Treatment Of Contract Benefits - BenefitAccess Rider](#i3a74142cc41242f0bb6ae30709033981_232)</u>** paragraph.

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

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

<u>Terminal Illness Option</u>

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

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

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

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

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

Your ability to receive an accelerated benefit under the Terminal Illness Option continues if you surrender your Contract for a fixed reduced paid-up contract. See **<u>[Surrender Of a Contract](#i3a74142cc41242f0bb6ae30709033981_220)</u>**.

<u>Chronic Illness Option</u>

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

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

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

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

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

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

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

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

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

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

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

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

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

Your ability to receive an accelerated benefit under the Chronic Illness Option continues if you surrender your Contract for a fixed reduced paid-up contract. Benefit

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

Payments will be determined based on the reduced paid-up contract's death benefit. See **<u>[Surrender Of a Contract](#i3a74142cc41242f0bb6ae30709033981_220)</u>**.

***Benefit Payments:***

<u>Terminal Illness Option</u>

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

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

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

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

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

<u>Chronic Illness Option</u>

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

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

If you choose to receive monthly Benefit Payments, the Maximum Monthly Benefit Payment for that year will be calculated at the beginning of each Benefit Year and recalculated at the beginning of each subsequent Benefit

Year. Subject to a minimum payment of $500, you have the option to receive less than the Maximum Monthly Benefit Payment amount, but the amount may not be changed during the Benefit Year. An amount that is less than the maximum may extend your payment period.

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

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

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

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

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

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

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

If the Contract is in default but not past the grace period at the time of claim, the first Benefit Payment will be reduced by the amount needed to bring the Contract out of default. If the amount needed to bring the Contract out of default is more than the amount of the first Benefit Payment net of the amount allocated to reduce any Contract loan, the first Benefit Payment will be increased to an amount (up to the Maximum Monthly Benefit Payment amount) that will be applied to the amount needed to bring the Contract out of default. If the increased Benefit Payment is insufficient to bring the Contract out of default, you will need to pay the remaining amount due within the grace period to prevent the Contract from lapsing. See **<u>[LAPSE AND REINSTATEMENT](#i3a74142cc41242f0bb6ae30709033981_226)</u>**.

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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

***When Benefit Payments End:***

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

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

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

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

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

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

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

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

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

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

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

<u>Terminal Illness Option</u>

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

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

&nbsp;&nbsp;&nbsp;&nbsp;(2)Premiums and charges to keep the Contract in force will be recalculated based on the reduced Death Benefit amount. If you have an outstanding Contract loan, interest will continue to accrue.

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

&nbsp;&nbsp;&nbsp;&nbsp;(4)The monthly charge for this rider will be permanently waived.

Acceleration of the full Death Benefit results in the ending of the Contract and all benefits and riders under the Contract based on the life of the insured will end. If the Contract includes the Rider for Level Term Insurance Benefit on Dependent Children (Children Level Term Rider), it will become paid-up.

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| | | | | |
|:---|:---|:---|:---|:---|
| ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. |
| Sex and issue age: male, 45<br>Contract Date: 12/05/2023<br>Basic Insurance Amount: $200,000 | Sex and issue age: male, 45<br>Contract Date: 12/05/2023<br>Basic Insurance Amount: $200,000 | Underwriting classification: preferred best<br>Claim date: 12/05/2033<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 12/05/2033<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 12/05/2033<br>Death Benefit Option: Type A (fixed) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** |
|  | Contract values as of 12/05/2033 (before acceleration of Death Benefit): | Contract values as of 12/05/2033 (before acceleration of Death Benefit): | Contract values as of 12/05/2033 <br>(after acceleration of Death Benefit): | Contract values as of 12/05/2033 <br>(after acceleration of Death Benefit): |
|  | Contract values as of 12/05/2033 (before acceleration of Death Benefit): | Contract values as of 12/05/2033 (before acceleration of Death Benefit): | 100% of Death Benefit | 50% of Death Benefit |
| *Benefit Payment payable:* | - - - | - - - | *$191260* | *$95555* |
| Basic Insurance Amount: | $200000 | $200000 | $0 | $100000 |
| Contract Debt: | $1040 | $1040 | $0 | $520 |
| Death Benefit: | $198960 | $198960 | $0 | $99480 |
| Contract Fund: | $12200 | $12200 | $0 | $6100 |
| Surrender charge: | $860 | $860 | $0 | $430 |
| Cash value: | $11340 | $11340 | $0 | $5670 |
| Cash Surrender Value: | $10300 | $10300 | $0 | $5150 |
| Annual premium: | $1588 | $1588 | $0 | $857 |

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<u>Chronic Illness Option</u>

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

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

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

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

proportion as the Death Benefit is reduced by each Benefit Payment.

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

&nbsp;&nbsp;&nbsp;&nbsp;(5)While you are receiving Benefit Payments, all monthly charges deducted from the Contract Fund and No-Lapse Contract Fund will be waived. Monthly charges will be waived until you notify us to discontinue Benefit Payments, the insured fails to recertify, or this rider terminates. Once you have received 25 monthly Benefit Payments or the annual equivalent, all monthly charges

for the Contract will be permanently waived as long as this rider is in effect, even if subsequent Benefit Payments are no longer made.

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

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

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

Reduction factor = 1 - (A / B)

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

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

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| | | | |
|:---|:---|:---|:---|
| ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. |
| Sex and issue age: male, 45<br>Contract Date: 12/01/2023<br>Basic Insurance Amount: $500,000 | Sex and issue age: male, 45<br>Contract Date: 12/01/2023<br>Basic Insurance Amount: $500,000 | Underwriting classification: preferred best<br>Claim date: 12/15/2034<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 12/15/2034<br>Death Benefit Option: Type A (fixed) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Year ($420 for 2023, increasing to $522.22 by 2034 assuming a 2% annual inflation rate) times 30: $522.22 x 30 = **$15,666.60)**; and<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $420, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $646.57: $646.57 x 30 = **$19,397.10**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Year ($420 for 2023, increasing to $522.22 by 2034 assuming a 2% annual inflation rate) times 30: $522.22 x 30 = **$15,666.60)**; and<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $420, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $646.57: $646.57 x 30 = **$19,397.10**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Year ($420 for 2023, increasing to $522.22 by 2034 assuming a 2% annual inflation rate) times 30: $522.22 x 30 = **$15,666.60)**; and<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $420, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $646.57: $646.57 x 30 = **$19,397.10**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Per diem limitation in effect at the start date of the current Benefit Year ($420 for 2023, increasing to $522.22 by 2034 assuming a 2% annual inflation rate) times 30: $522.22 x 30 = **$15,666.60)**; and<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $420, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $646.57: $646.57 x 30 = **$19,397.10**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) |
|  | Contract values as of 12/15/2034<br>(before acceleration of Death Benefit): | Contract values as of 12/15/2034<br>(before acceleration of Death Benefit): | Contract values as of 12/15/2034<br>(after acceleration of Death Benefit): |
| *Benefit Payment payable:* | - - - | - - - | $9979.20 |
| Basic Insurance Amount: | $500000 | $500000 | $490,000 (500,000 x 0.9800) |
| Contract Debt: | $1040 | $1040 | $1,019.20 (1,040 x 0.9800) |
| Death Benefit: | $498960 | $498960 | $488980.80 |
| Contract Fund: | $20000 | $20000 | $19,600 (20,000 x 0.9800) |
| Surrender charge: | $3350 | $3350 | $3,283.00 (3,350 x 0.9800) |
| Cash value: | $16650 | $16650 | $16317 |
| Cash Surrender Value: | $15610 | $15610 | $15298 |
| Annual premium: | $3816 | $3816 | $3734 |

---

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

exercised the Chronic Illness Option, the Contract's Death Benefit type must remain Type A.

When you submit a claim under the Chronic Illness Option, you must authorize a transfer of all Contract value from the Variable Investment Options to the Fixed Rate Option. You will not receive Benefit Payments if you do not transfer all Contract value from the Variable Investment Options to the

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

Fixed Rate Option and all Contract value must remain in the Fixed Rate Option while receiving Benefit Payments. Additional premium payments or loan repayments must also be allocated to the Fixed Rate Option while your claim is reviewed and while you are receiving Benefit Payments. Fund transfers, dollar cost averaging, and automatic rebalancing will not be allowed.

Any decrease to the Contract's Basic Insurance Amount occurring after Benefit Payments have been made will reduce the Lifetime Benefit Amount and the remaining benefits available.

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

***Rider Or Benefits Termination:***

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

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

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

(3)the death of the insured;

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

(5)the Contract ends as described in **<u>[Canceling the Contract](#i3a74142cc41242f0bb6ae30709033981_112)</u>** or **<u>[Surrender Of a Contract](#i3a74142cc41242f0bb6ae30709033981_220)</u>**, or for any other reason.

When this rider is terminated, if Benefit Payments are discontinued, or the claim is not approved, your Contract may still be in force. The Death Benefit and Contract Fund values will have been reduced as a result of any Benefit Payments made prior to the date we stop payments or this rider terminates, and Contract value will remain in the Fixed Rate Option. You may transfer funds from the Fixed Rate Option to your choice of Variable Investment Options. Your first transfer from the Fixed Rate Option will not be subject to the Fixed Rate Option restrictions described in the subsection titled **<u>[Transfers And Restrictions On Transfers](#i3a74142cc41242f0bb6ae30709033981_178)</u>.** You may also allocate new premium payments and loan repayments to the Variable Investment Options of your choice. You must notify us if you wish to resume allocations to the Variable Investment Options or change your premium allocation.

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

***For Contracts issued prior to August 21, 2023 (rider form number VL 145 B4-2016)***

The BenefitAccess Rider provides for the acceleration of the Death Benefit in the event the insured is Chronically Ill, subject to certain eligibility requirements, and approval of the claim ("Chronic Illness Option"). This rider will also provide acceleration of all or part of the Death Benefit if the insured becomes Terminally Ill, subject to certain eligibility requirements and approval of the claim ("Terminal Illness Option"). This rider is only available at Contract issuance and there is a charge for this rider. You may terminate this rider at any time. This rider is not available on Contracts that include the Enhanced Disability Benefit Rider or the Living Needs Benefit<sup>SM</sup> Rider.

Exercise of an accelerated Death Benefit option under this rider will cause a reduction in, or elimination of, the Contract's Death Benefit, cash value, and loan value as described below under ***Impact Of Rider Benefits On Contract And Riders***. Premiums or charges needed to keep the Contract in force will also be reduced based on the reduced Death Benefit. There may be adverse tax consequences in the event you accelerate the Death Benefit. See **<u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</u> - BenefitAccess Rider**.

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

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

<u>Terminal Illness Option</u>

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

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

(b)You must submit a claim in a form that meets our needs;

(c)We must receive due proof of the insured's Terminal Illness and Written Certification by a Licensed Physician

that the insured has a life expectancy of six months or less;

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

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

(f)You must send us the Contract if we ask for it; and

(g)We reserve the right to set a minimum of no more than $50,000 on the amount of the Death Benefit you may exercise under this option.

<u>Chronic Illness Option</u>

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

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

(b)You must submit a claim in a form that meets our needs;

(c)We must receive due proof of the insured's Chronic Illness and Written Certification by a Licensed Health Care Practitioner, prior to the start of every Benefit Year, that the insured is Chronically Ill and requires continuous care for the remainder of the insured's life in an Eligible Facility or at home;

(d)The Benefit Payments are expected to qualify for favorable tax treatment under the Internal Revenue Code Section 101(g);

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

(f)You must not have received a Benefit Payment under the Terminal Illness Option; and

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

We reserve the right to complete, at our discretion and expense, a personal interview with and an assessment of the

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

insured, which may include examination or tests by a Licensed Health Care Practitioner of our choice, while a claim is pending or during a Benefit Period, to ensure that the insured is Chronically Ill. If there is a difference in opinion between the insured's Licensed Health Care Practitioner and ours, eligibility will be determined by a third medical opinion provided by a Licensed Health Care Practitioner who is mutually agreed upon by the insured and us.

Prior to the end of each Benefit Year, we will send you a request for Recertification, which must be completed and returned to us prior to the start of the next Benefit Year to satisfy us that the insured continues to be eligible for Benefit Payments. You will be notified if you continue to be eligible for Benefit Payments. If we do not receive Recertification prior to the end of the Benefit Year, any subsequent benefits will be treated as a new claim.

***Benefit Payments:***

<u>Terminal Illness Option</u>

You have the option to accelerate all or a partial amount of the Death Benefit. If you accelerate a partial amount, the remaining Death Benefit must be no less than $25,000, and you may only make one additional acceleration, which must be for the full Death Benefit. The only payment option is a single lump sum Benefit Payment. The present value will be determined based on the following factors: (1) the amount of the Death Benefit; (2) the insured's reduced life expectancy; and (3) a discount factor no greater than the greater of (a) the yield on 90-day federal Treasury bills at the time the benefit is accelerated, and (b) the maximum statutory adjustable contract loan interest rate at the time the benefit is accelerated. Payment will be made subject to the conditions of eligibility described above and after we have approved the claim.

If you accelerate a Death Benefit under this option, you will no longer be eligible for the Chronic Illness Option and any Benefit Payments you may be receiving under that option will end.

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

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

<u>Chronic Illness Option</u>

The maximum amount of your life insurance that can be accelerated is the Lifetime Benefit Amount, which is equal to the Contract's Death Benefit. The maximum Lifetime Benefit Amount will be determined at the time you make the initial claim. The Lifetime Benefit Amount will be reduced by any transactions you make that reduce the Death Benefit of the Contract.

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

If you choose to receive monthly Benefit Payments, the Maximum Monthly Benefit Payment for that year will be calculated at the beginning of each Benefit Year and

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

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

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

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

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

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

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

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

If the Contract is in default but not past the grace period at the time of claim, the Benefit Payment will be reduced by the amount needed to bring the Contract out of default. If the amount needed to bring the Contract out of default is more than the amount of the Benefit Payment net of the amount allocated to reduce any Contract loan, the Benefit Payment will be increased to an amount (up to the maximum monthly benefit payment amount) that will be applied to the amount needed to bring the Contract out of default. If the increased Benefit Payment is not sufficient to bring the Contract out of default, you may pay the amount due at any time within the Contract's 61-day grace period (see **Contract Lapse**).

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

***When Benefit Payments End:***

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

Benefit Payments will continue to be made until the earliest of the following dates: (1) the date we receive written notification that you wish to discontinue Benefit Payments; (2) the date the insured no longer meets the eligibility requirements, including Recertification; (3) the date the Lifetime Benefit Amount is exhausted; (4) the date a claim is

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

approved under the Terminal Illness Option; and (5) the date the rider terminates.

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

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

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

<u>Terminal Illness Option</u>

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

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

(2)Premiums or charges to keep the Contract in force will be recalculated based on the insured's issue age and the reduced Death Benefit amount.

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

(4)The monthly charge for this rider will be permanently waived.

Acceleration of the full death benefit results in the following:

(1)The Contract and all benefits under the Contract based on the insured's life, including any Accidental Death Benefit Rider, will end.

(2)If your Contract includes the Rider for Level Term Insurance Benefit on Dependent Children, it will become paid-up.

---

| | | | | |
|:---|:---|:---|:---|:---|
| ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. |
| Sex and issue age: male, 45<br>Contract Date: 06/05/2021<br>Basic Insurance Amount: $200,000 | Sex and issue age: male, 45<br>Contract Date: 06/05/2021<br>Basic Insurance Amount: $200,000 | Underwriting classification: preferred best<br>Claim date: 06/05/2031<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 06/05/2031<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 06/05/2031<br>Death Benefit Option: Type A (fixed) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In this hypothetical example assume (1) a Death Benefit of $200,000, (2) an insured with an assumed life expectancy of six months, and (3) a discount factor at an annual rate of 8%.<br>The present value of the accelerated Death Benefit payable is calculated as DB / (1+R)<sup>t</sup> where:<br>DB = Death Benefit<br>R = the annual rate<br>t = amount of time (in years; t always equals 1/2 in this application) <br>Contract Debt and the $150 transaction fee are then subtracted from this result.<br>Example results (rounded to the nearest dollar):<br>100% acceleration: $200,000/1.03923 = $192,450 (less $1,040 and $150) = **$191,260**<br>50% acceleration: $100,000/1.03923 = $96,225 (less $520 and $150) = **$95,555** |
|  | Contract values as of 06/05/2031 (before acceleration of Death Benefit): | Contract values as of 06/05/2031 (before acceleration of Death Benefit): | Contract values as of 06/05/2031 <br>(after acceleration of Death Benefit)\*: | Contract values as of 06/05/2031 <br>(after acceleration of Death Benefit)\*: |
|  |  |  | 100% of Death Benefit | 50% of Death Benefit |
| *Benefit Payment payable:* | - - - | - - - | *$191260* | *$95555* |
| Basic Insurance Amount: | $200000 | $200000 | $0 | $100000 |
| Contract Debt: | $1040 | $1040 | $0 | $520 |
| Death Benefit: | $198960 | $198960 | $0 | $99480 |
| Contract Fund: | $12200 | $12200 | $0 | $6100 |
| Surrender charge: | $860 | $860 | $0 | $430 |
| Cash value: | $11340 | $11340 | $0 | $5670 |
| Cash Surrender Value: | $10300 | $10300 | $0 | $5150 |
| Annual premium: | $1588 | $1588 | $0 | $857 |

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<u>Chronic Illness Option</u>

Following each Benefit Payment while there is a Death Benefit remaining, benefits and values under the Contract and rider will be impacted as follows:

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

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

(3)Any Accidental Death Benefit Rider on the Contract will not be affected.

(4)If the Contract includes the Lapse Protection Rider or the Rider For Level Term Insurance Benefit On Dependent Children (Children Level Term Rider), the rider will stay in effect.

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

(6)You may continue to make premium payments but it is not necessary while you are receiving benefits.

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

(7)The monthly charge for this rider will be permanently waived following approval of the initial claim.

(8)While you are receiving Benefit Payments, all monthly charges deducted from the Contract Fund and No-Lapse Contract Fund will be waived. Monthly charges will be waived until you notify us to discontinue Benefit Payments, the insured fails to recertify, or this rider terminates. Once you have received 25 monthly Benefit

Payments or the annual equivalent, all monthly charges for the Contract will be permanently waived as long as this rider is in effect, even if Benefit Payments are no longer being made.

(9)If you have an outstanding Contract loan, interest will continue to accrue.

Reduction factor = 1 - (A / B)

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

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

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| | | | |
|:---|:---|:---|:---|
| ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | ***Example:***<br>Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. |
| Sex and issue age: male, 45<br>Contract Date: 06/05/2021<br>Basic Insurance Amount: $500,000 | Sex and issue age: male, 45<br>Contract Date: 06/05/2021<br>Basic Insurance Amount: $500,000 | Underwriting classification: preferred best<br>Claim date: 10/04/2032<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 10/04/2032<br>Death Benefit Option: Type A (fixed) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Per diem limitation in effect at the start date of the current Benefit Year ($400 for 2021, increasing to $497.35 by 2032 assuming a 2% annual inflation rate) times 30: $497.35 x 30 = **$14,920.50**; and <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $400, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $615.78: $615.78 x 30 = **$18,473.40**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Per diem limitation in effect at the start date of the current Benefit Year ($400 for 2021, increasing to $497.35 by 2032 assuming a 2% annual inflation rate) times 30: $497.35 x 30 = **$14,920.50**; and <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $400, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $615.78: $615.78 x 30 = **$18,473.40**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Per diem limitation in effect at the start date of the current Benefit Year ($400 for 2021, increasing to $497.35 by 2032 assuming a 2% annual inflation rate) times 30: $497.35 x 30 = **$14,920.50**; and <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $400, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $615.78: $615.78 x 30 = **$18,473.40**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000.<br>Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the **lowest of**:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = **$10,000**; <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)Per diem limitation in effect at the start date of the current Benefit Year ($400 for 2021, increasing to $497.35 by 2032 assuming a 2% annual inflation rate) times 30: $497.35 x 30 = **$14,920.50**; and <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)Initial Daily Benefit Limit compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $400, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 12 of $615.78: $615.78 x 30 = **$18,473.40**.<br>The Monthly Benefit Percent, Initial Daily Benefit Limit, and the Daily Benefit Limit Compound Rate that apply to your Contract can be found in the Contract's data pages.<br>The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800<br>The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = **$9,979.20**) |
|  | Contract values as of 10/04/2032<br>(before acceleration of Death Benefit): | Contract values as of 10/04/2032<br>(before acceleration of Death Benefit): | Contract values as of 10/04/2032<br>(after acceleration of Death Benefit): |
| *Benefit Payment payable:* | - - - | - - - | $9979.20 |
| Basic Insurance Amount: | $500000 | $500000 | $490,000 (500,000 x 0.9800) |
| Contract Debt: | $1040 | $1040 | $1,019.20 (1,040 x 0.9800) |
| Death Benefit: | $498960 | $498960 | $488980.80 |
| Contract Fund: | $20000 | $20000 | $19,600 (20,000 x 0.9800) |
| Surrender charge: | $3350 | $3350 | $3,283.00 (3,350 x 0.9800) |
| Cash value: | $16650 | $16650 | $16317 |
| Cash Surrender Value: | $15610 | $15610 | $15298 |
| Annual premium: | $3816 | $3816 | $3734 |

---

If the Contract to which the rider is attached has a Type A Death Benefit, when this option is exercised, the Basic Insurance Amount will be changed to equal the Type A Death Benefit. If the Contract to which this rider is attached has a Type B Death Benefit, when this option is exercised, the Death Benefit will be changed to a Type A Death Benefit and the Basic Insurance Amount will be changed to equal the Type A

Death Benefit. Once you have exercised the Chronic Illness Option, the Contract's Death Benefit type must remain Type A.

When you submit a claim under the Chronic Illness Option, you must authorize a transfer of all Contract value from the Variable Investment Options to the Fixed Rate Option. You will not receive Benefit Payments if you do not transfer all Contract value from the Variable Investment Options to the Fixed Rate Option and all Contract value must remain in the

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

Fixed Rate Option. Additional premium payments or loan repayments must also be allocated to the Fixed Rate Option while your claim is reviewed and while you are receiving Benefit Payments. Fund transfers, dollar cost averaging, and automatic rebalancing will not be allowed.

When the rider is terminated, if Benefit Payments are discontinued, or the BenefitAccess Rider claim is not approved, your Contract may still be in force and Contract value will remain in the Fixed Rate Option. You may transfer funds from the Fixed Rate Option to your choice of Variable Investment Options. Your first transfer from the Fixed Rate Option will not be subject to the Fixed Rate Option restrictions described in the subsection titled **<u>[Transfers And Restrictions On Transfers](#i3a74142cc41242f0bb6ae30709033981_178)</u>**. You may also allocate new premium payments and loan repayments to the Variable Investment Options of your choice. You must notify us if you wish to resume allocations to the Variable Investment Options or change your premium allocation.

After an acceleration of the Lifetime Benefit Amount, any Rider for Level Term Insurance Benefit on Dependent Children will become paid up and any benefits under the Contract based on the insured's life, including any Accidental Death Benefit Rider will end.

***Rider Termination:***

This rider terminates on the earliest of: when you request that we remove it, the grace period ends if the Contract is in default, full acceleration of the Death Benefit is made due to Terminal Illness, the insured dies, and this rider or Contract ends for any other reason. When this rider is terminated, or you request that we stop Benefit Payments after a claim has been made, the Contract may still be in force. The Death Benefit and Contract Fund values will have been reduced as a result of any payments made prior to the date we stop payments or this rider terminates.

**Accidental Death Benefit Rider** 

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

**Children Level Term Rider** 

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

**Enhanced Disability Benefit Rider** 

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

The rider coverage will end as of the first Contract Anniversary on or after the insured's 65<sup>th</sup> birthday. For total disability occurring on or after the first Contract Anniversary following the insured's 60<sup>th</sup> birthday, payments will only be made until the month before the first Contract Anniversary following the insured's 65<sup>th</sup> birthday and while the insured remains totally disabled.

For example, assume a Contract where:

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

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

3. the insured becomes disabled at age 55; and

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

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

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

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

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

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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| | | | |
|:---|:---|:---|:---|
| **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. | **Examples:**<br>The examples below demonstrate benefits accelerated as a lump sum under the Living Needs Benefit<sup>SM</sup> (LNB) Rider and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed. |
| Sex and issue age: male, 45<br>Contract Date: 12/20/2021<br>Basic Insurance Amount: $200,000 | Sex and issue age: male, 45<br>Contract Date: 12/20/2021<br>Basic Insurance Amount: $200,000 | Underwriting classification: preferred best<br>Claim date: 12/20/2031<br>Death Benefit Option: Type A (fixed) | Underwriting classification: preferred best<br>Claim date: 12/20/2031<br>Death Benefit Option: Type A (fixed) |
| These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): | These hypothetical examples assume (1) a Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. <br>Example results (rounded to the nearest dollar): |
|  |  | **LNB Terminal Illness Benefit\*** | **LNB Terminal Illness Benefit\*** |
| % of Death Benefit accelerated: | % of Death Benefit accelerated: | 100% | 50% |
| **Accelerated Death Benefit payment:** | **Accelerated Death Benefit payment:** | **$191260** | **$95555** |
|  | Contract values before acceleration: | Contract values after acceleration of Death Benefit: | Contract values after acceleration of Death Benefit: |
| Basic Insurance Amount: | $200000 | $0 | $100000 |
| Contract Debt: | $1040 | $0 | $520 |
| Death Benefit: | $198960 | $0 | $99480 |
| Contract Fund: | $12200 | $0 | $6100 |
| Surrender charge: | $860 | $0 | $430 |
| Cash value: | $11340 | $0 | $5670 |
| Cash Surrender Value: | $10300 | $0 | $5150 |
| Annual premium: | $1588 | $0 | $857 |

---

\*An assumed six month life expectancy always applies.

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

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

**Overloan Protection Rider**

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

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

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

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

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

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

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

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

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

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

Any unloaned Contract Fund value remaining in the Variable Investment Options will be transferred to the Fixed Rate Option. Additionally, fund transfers into any of the Variable Investment Options will no longer be permitted. Any auto-rebalancing, dollar cost averaging, allocated charges, or premium allocation instructions will be discontinued.

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

If you have a Type B (variable) Death Benefit, we will change it to a Type A (fixed) Death Benefit. You will no longer be permitted to make Death Benefit changes as long as your Contract remains in force under the Overloan Protection Rider. The Basic Insurance Amount will be set equal to the Death Benefit at the time the rider is exercised. From that point onward, the Death Benefit will be the greater of the Type A

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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](#i3a74142cc41242f0bb6ae30709033981_190) Death Benefit</u>** and **<u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</u>**.

If you exercise this rider, you may no longer execute the reduced paid-up option. Doing so would cause the Contract to be classified as a Modified Endowment Contract. See **<u>[Surrender Of a Contract](#i3a74142cc41242f0bb6ae30709033981_220)</u>**.

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

---

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

---

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

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

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

**REQUIREMENTS FOR ISSUANCE OF A CONTRACT** 

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

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

**Underwriting Procedures**

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

the underwriting process. The remaining information is obtained directly from the proposed insured.

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

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

**Contract Date**

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

age. This may be advantageous for some Contract Owners as a lower issue age may result in lower current charges.

**PREMIUMS**

The Contract offers flexibility in paying premiums. If you make a payment that is too large that would cause the Contract to be characterized as a Modified Endowment Contract (under Section 7702A of the Internal Revenue Code), you must remove the excess premium and any accrued interest within the timeframe prescribed by tax law. If you do not timely remove the excess premium and accrued interest, your Contract will become permanently characterized as a Modified Endowment Contract. Upon your authorization, we will take action necessary to prevent the Contract from becoming a Modified Endowment Contract. We reserve the right to refuse to accept any payment that would require us to increase the Death Benefit (under Section 7702 of the Internal Revenue Code) by more than the payment increases the Contract Fund. We will not accept a premium payment that exceeds the Guideline Premium Limit if your Contract uses the Guideline Premium definition of life insurance. See **<u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</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](#i3a74142cc41242f0bb6ae30709033981_172)</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 future premium payments. Two possible patterns of premiums are described below. Understanding them may help you understand how the Contract works.

*For Contracts generally applied for prior to October 18, 2021:*

• The Single No-Lapse Premium is a premium that, if paid on the Contract Date, will keep the Contract in force during the lifetime of the insured, regardless of investment performance and assuming no loans, withdrawals, or Contract changes.

• The Lifetime Modal No-Lapse Premiums are premiums that, if paid on the Contract Date and each modal date up to the insured's Attained Age 121, will keep the Contract in force during the lifetime of the insured, regardless of investment performance and assuming no loans, withdrawals, or Contract changes.

*For Contracts generally applied for on or after October 18, 2021:*

• 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 insured's Attained Age 91, 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 up to the insured's Attained Age 91, will keep the Contract in force at least until the insured's Attained Age 91, 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](#i3a74142cc41242f0bb6ae30709033981_232)</u>**.

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

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

**Allocation Of Premiums** 

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 sales charge and the premium-based administrative 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 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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

premium is allocated to the money market investment option**.** After the 10th 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. The transfer from the money market investment option on the 10th 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](#i3a74142cc41242f0bb6ae30709033981_178)</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 sales charge and the premium-based administrative 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. 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 or increased due to market fluctuations during that period.

When you submit a claim under the Chronic Illness Option of the BenefitAccess Rider, you must allocate all payments to the Fixed Rate Option. See **<u>[BenefitAccess Rider](#i3a74142cc41242f0bb6ae30709033981_136)</u>**. When you exercise the Overloan Protection Rider, you must allocate all payments to the Fixed Rate Option. See **<u>[Overloan Protection Rider](#i3a74142cc41242f0bb6ae30709033981_151)</u>**.

Provided the Contract is neither in default nor in force under the provisions of the Overloan Protection Rider or the terms of the BenefitAccess Rider, you may change the way in which subsequent premiums are allocated by providing your request to us in Good Order at a Service Office. Allocation changes may generally be made by mail, phone, fax, or website. Contracts that are jointly owned or assigned generally cannot change premium allocations by phone, fax or website. See **<u>[Assignment](#i3a74142cc41242f0bb6ae30709033981_115)</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%.

**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](#i3a74142cc41242f0bb6ae30709033981_115)</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.

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 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.

Transfers 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.

We will use reasonable procedures, such as asking you to provide certain personal information provided on your application for insurance, to confirm that instructions given by telephone are genuine. We will not be held liable for following telephone instructions that we reasonably believe to be

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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.

Generally, only one transfer from the Fixed Rate Option 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).

When you submit a claim under the Chronic Illness Option of the BenefitAccess Rider, you must authorize a transfer of all Contract value from the Variable Investment Options to the Fixed Rate Option. While your claim is reviewed and while you are receiving Benefit Payments, Contract value must remain in the Fixed Rate Option. Transfers will not be allowed. See **<u>[BenefitAccess Rider](#i3a74142cc41242f0bb6ae30709033981_136)</u>**.

If you exercise the Overloan Protection Rider, we will then transfer any amounts you have in the Variable Investment Options to the Fixed Rate Option. The transfer is not counted as one of the 12 transfers we allow per Contract Year and there is no charge. Transfers out of the Fixed Rate Option and into the Variable Investment Options will not be permitted while your Contract is kept in force under the Overloan Protection Rider. See **<u>[Overloan Protection Rider](#i3a74142cc41242f0bb6ae30709033981_151)</u>**.

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.

**Dollar Cost Averaging**

As an administrative practice, we are currently offering 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.

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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.

When you submit a claim under the Chronic Illness Option of the BenefitAccess Rider, you must authorize a transfer of all Contract value from the Variable Investment Options to the Fixed Rate Option. DCA will not be allowed. See **<u>[BenefitAccess Rider](#i3a74142cc41242f0bb6ae30709033981_136)</u>**. DCA will not be available on Contracts kept in force under the provisions of the Overloan Protection Rider. See **<u>[Overloan Protection Rider](#i3a74142cc41242f0bb6ae30709033981_151)</u>**.

**Auto-Rebalancing**

As an administrative practice, we are currently offering 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.

When you submit a claim under the Chronic Illness Option of the BenefitAccess Rider, you must authorize a transfer of all Contract value from the Variable Investment Options to the Fixed Rate Option. Auto-rebalancing will not be allowed. See **<u>[BenefitAccess Rider](#i3a74142cc41242f0bb6ae30709033981_136)</u>**. Auto-rebalancing will not be available on Contracts kept in force under the provisions of the Overloan Protection Rider. See **<u>[Overloan Protection Rider](#i3a74142cc41242f0bb6ae30709033981_151)</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](#i3a74142cc41242f0bb6ae30709033981_58)</u>**, any withdrawals or accelerated benefits, and any added persistency credit. See **<u>[Withdrawals](#i3a74142cc41242f0bb6ae30709033981_217)</u>, <u>[RIDERS](#i3a74142cc41242f0bb6ae30709033981_130)</u>**, and **<u>[Persistency Credit](#i3a74142cc41242f0bb6ae30709033981_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.

**Persistency Credit**

On each Monthly Date, if your Contract has been in force at least 14 years and is not in default, we will credit your Contract Fund with an additional amount, called a persistency credit, for keeping your Contract in force. The persistency credit is based

on reduced costs in later Contract Years and applies to Contracts that remain in force.

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

---

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

---

On and following the 14th Contract Anniversary, if your Contract is in force, we will credit your Contract Fund with the calculated amount for that Monthly Date. If your Contract is in default or has lapsed, we will not credit your Contract with the persistency credit. The calculated amount that would have been credited during the time your Contract was in default or lapsed will not be made up if your Contract is reinstated. However, if your Contract is reinstated, we will begin calculating a persistency credit on the Monthly Date following the reinstatement date. This persistency credit will not change the status of your Contract if your cash value is zero or less and your Contract is kept in force under the Lapse Protection Rider. No persistency credit will be calculated on the amount of any Contract loan.

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

**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.

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

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

When a loan is made, an amount equal to the loan proceeds is transferred out of the Variable Investment Options and/or the Fixed Rate Option, as applicable. Unless you ask 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](#i3a74142cc41242f0bb6ae30709033981_226)</u>** and **<u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</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](#i3a74142cc41242f0bb6ae30709033981_151)</u>**. Having Contract Debt will prevent any no-lapse guarantee from protecting the Contract from lapse. See **<u>[LIMITED NO-LAPSE GUARANTEE](#i3a74142cc41242f0bb6ae30709033981_127)</u>** and **<u>[Lapse Protection Rider](#i3a74142cc41242f0bb6ae30709033981_133)</u>**. No persistency credit will be calculated on the amount of any Contract loans. See **<u>[Persistency Credit](#i3a74142cc41242f0bb6ae30709033981_211)</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](#i3a74142cc41242f0bb6ae30709033981_232)</u>**.

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

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

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

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

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

Loan repayments are required when exercising either option of the BenefitAccess Rider. See **<u>[BenefitAccess Rider](#i3a74142cc41242f0bb6ae30709033981_136)</u>**.

**Withdrawals** 

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

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

(2)Your Contract's Cash Surrender Value after the withdrawal may not be less than or equal to zero after deducting (a) any charges 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.

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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

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

We may charge a transaction fee of up to $25 for each withdrawal. Currently, we do not charge a fee for a withdrawal. A withdrawal may not be repaid except as a premium subject to the applicable charges. Upon request, we will tell you how much you may withdraw. Withdrawal of the Cash Surrender Value may have tax consequences. See **<u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</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, which may result in the deduction of a surrender charge. See **<u>[Surrender Charge](#i3a74142cc41242f0bb6ae30709033981_67)</u>**. Withdrawals from a Contract with a Type B (variable) Death Benefit will not change the Basic Insurance Amount. However, under most circumstances, withdrawals from a Contract with a Type A (fixed) Death Benefit require a reduction in the Basic Insurance Amount. It is possible a withdrawal from a Contract with a Type A Death Benefit will not decrease the Basic Insurance Amount if the Contract Fund has grown to the point where the base Contract's Death Benefit has been increased as required by the Internal Revenue Code's definition of life insurance test. See **<u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</u>**.

The following table provides a hypothetical example of a withdrawal from a Contract with a Type A Death Benefit. The example assumes the withdrawal occurred in the 9th Contract Year, no Contract Debt, the Death Benefit was not increased to satisfy the definition of life insurance test, and no change to the Basic Insurance Amount has previously occurred.

---

| | | |
|:---|:---|:---|
| **Example of a Type A Death Benefit Withdrawal** | **Example of a Type A Death Benefit Withdrawal** | **Example of a Type A Death Benefit Withdrawal** |
| Net amount of withdrawal: | Net amount of withdrawal: | $10000 |
| Withdrawal surrender charge (2% reduction): | Withdrawal surrender charge (2% reduction): | $39 |
| Gross amount of withdrawal: | Gross amount of withdrawal: | $10039 |
| **Contract values (current)** | **Before** | **After** |
| Basic Insurance Amount: | $500000 | $490000 |
| Death Benefit amount: | $500000 | $490000 |
| Contract Fund value: | $100000 | $89961 |
| Contract surrender charge: | $1950 | $1911 |

---

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](#i3a74142cc41242f0bb6ae30709033981_232)</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, 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. Withdrawals may 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](#i3a74142cc41242f0bb6ae30709033981_127)</u>** and **<u>[Lapse Protection Rider](#i3a74142cc41242f0bb6ae30709033981_133)</u>**.

**Surrender Of a Contract**

You may surrender your Contract at any time for its Cash Surrender Value while the insured is living. To surrender your Contract, we may require you to deliver or mail the following items in Good Order to a Service Office: (a) the Contract, (b) a signed request for surrender, (c) any tax withholding information required under federal or state law, and (d) the authorization of any assignee or irrevocable beneficiary. The Cash Surrender Value will be determined as of the end of the Valuation Period in which a surrender request is received in Good Order at a Service Office. Surrender of a Contract may have tax consequences and a surrender charge may apply. See **<u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</u>** and **<u>[Surrender Charge](#i3a74142cc41242f0bb6ae30709033981_67)</u>**.

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

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

**When Proceeds Are Paid**

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

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

We have the right to delay payment of loans, withdrawals, and the Cash Surrender Value (including surrenders of fixed reduced paid-up contracts) attributable to the Fixed Rate Option for up

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to six months. We will pay interest of at least 0.5% per year if such a payment is delayed for more than 10 days.

**LAPSE AND REINSTATEMENT**

We will determine the value of the Contract Fund on each Monthly Date. If the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less, the Contract is in default, unless it remains in force under the Limited No-Lapse Guarantee (first five Contract years) or the Lapse Protection Rider (years six and after). See **<u>[LIMITED NO-LAPSE GUARANTEE](#i3a74142cc41242f0bb6ae30709033981_127)</u>** and **<u>[Lapse Protection Rider](#i3a74142cc41242f0bb6ae30709033981_133)</u>**. Should this happen, we will send you a notice of default setting forth the payment which we estimate will keep the Contract in force for three months from the date of default. A 61-day grace period will begin from the date the notice of default is mailed. Your payment must be received or postmarked within the 61-day grace period or the Contract will end and have no value. To prevent your Contract from lapsing, your payment must be in Good Order when received at the Payment Office. A Contract that lapses with an outstanding Contract loan may have tax consequences. See **<u>[Tax Treatment Of Contract Benefits](#i3a74142cc41242f0bb6ae30709033981_232)</u>**.

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

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

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

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

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

If the Contract lapsed with outstanding Contract Debt, accrued loan interest due when the grace period expired must be paid. Any remaining Contract Debt will be canceled and will not be reinstated.

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. If your Contract is reinstated after lapse, the Lapse Protection Rider will also be reinstated (except for Contracts where the rider is expired due to the insured's Attained Age 91). Following reinstatement, all Contract charges will resume based upon the current Contract Year and Attained Age of the insured. We reserve the right to change the requirements to reinstate a lapsed Contract.

**TAXES**

**Tax Treatment Of Contract Benefits**

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

**Treatment As Life Insurance** 

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

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

Under the Cash Value Accumulation Test, the Contract must maintain a minimum ratio of Death Benefit to cash value. Therefore, in order to ensure that the Contract qualifies as life insurance, the Contract's Death Benefit may increase as the Contract Fund value increases. The Death Benefit, at all times, must be at least equal to the Contract Fund multiplied by the applicable Attained Age factor. Attained Age factors vary based on the Attained Age, sex, and smoker classification of the

insured. For example, the Attained Age factors for a female, age 65, with a preferred best (nonsmoker) underwriting classification range 1.54 in the first year to 1.00 at age 121 and older.

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

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

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

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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

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

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

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

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

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

**Pre-Death Distributions** 

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

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

• If you surrender the Contract or allow it to lapse, you will be taxed on the amount you receive in excess of the premiums you paid less the untaxed portion of any prior withdrawals. For this purpose, you will be treated as receiving any portion of the Cash Surrender Value used to repay Contract Debt. In other words, you will immediately have taxable income to the extent of gain in the Contract. Reinstatement of the Contract after lapse will not eliminate the taxable income that 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 is removed). The addition of a rider or an increase in the Basic Insurance Amount may also cause the Contract to be classified as a Modified Endowment Contract if a significant premium is paid in conjunction with an increase or the addition of a rider. We will notify you if a premium or a change in the Basic Insurance Amount would cause the Contract to become a Modified Endowment Contract and advise you of your options. You should first consult a tax adviser and your Pruco Life of New Jersey representative if you are contemplating any of these steps.

• If the Contract is classified as a Modified Endowment Contract, then amounts you receive under the Contract before the insured's death, including loans and withdrawals, are included in income to the extent that the Contract Fund before surrender charges (or, in the case of a full surrender, the cash surrender value after 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 you attain age 59½, on account of you 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

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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 valid 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.

Special tax rules apply to withholding for nonresident aliens, and we generally withhold income tax for nonresident aliens at a 30% rate. A different withholding rate may be applicable to a nonresident alien based on the terms of an existing income tax treaty between the United States and the nonresident alien's country.

**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 to an unrelated individual more than 37.5 years younger than you (or designate such a younger person as a beneficiary), there may be Generation-Skipping Transfer tax consequences. In addition, if you transfer your Contract to a foreign person, we are required to provide an information return regarding the transfer to you and the IRS.

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

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

**BenefitAccess Rider** 

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

The per diem limit is determined by the federal government on an annual basis and can either increase or decrease year to year. Your benefits will be calculated using the per diem limit that is currently in effect, and that limit will apply to all payments throughout the Benefit Year. The Benefit Year is a

period of twelve months that generally begins on the Monthly Date on or following the date all conditions for eligibility have been satisfied; therefore, if your payments begin in one calendar year and end in the next calendar year, it is possible that the payments made in the second calendar year could exceed the limit if that year's per diem limit is lower than the previous year's. Any excess payments above the annual limit may be taxable as income.

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

**Business-Owned Life Insurance** 

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 with whom the insured does not have a substantial family, financial or business relationship (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

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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.

income taxes when pricing our products, we do not currently include such income taxes in the tax charges you pay under the Contract. We will periodically review the issue of charging for taxes, and we may charge for taxes in the future. We reserve the right to impose a charge for taxes if we determine, in our sole discretion, that we will incur a tax as a result of the administration of the Contract, including any tax imposed with respect to the operation of the Separate Account or general 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 $425,244,693 in 2025, $575,994,944 in 2024, and $480,489,201 in 2023. 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 $0 in 2025, $4,278,834 in 2024, and $4,084,003 in 2023.

Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration ("firms") according to one or more schedules. The individual representative will receive all or a portion of the compensation, depending on the practice of the firm. Compensation is based on a premium value referred to as the Commissionable Target Premium. The Commissionable Target Premium is an amount that is generally somewhat larger than the Lifetime Modal No-Lapse Premium. See **<u>[Available Types Of Premium](#i3a74142cc41242f0bb6ae30709033981_169)</u>**. The Commissionable Target Premium will vary based on the issue age, sex, and underwriting classification of the insured as well as the Basic Insurance Amount and certain riders selected by

the Contract Owner.

Broker-dealers will receive compensation of up to 99% of premiums received in the first 12 months following the Contract Date on total premiums received since issue up to the Commissionable Target Premium, up to 22% of Commissionable Target Premium received in year two, up to 10% of the Commissionable Target Premium in years three and four, and up to 8.5% of the Commissionable Target Premium received in years five through 10. Moreover, broker-dealers will receive compensation of up to 5% on premiums received in year one, and up to 4% 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

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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, 2025) that received payment or accrued a payment amount with respect to variable product business during 2025 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 2025 were $4.50 and $155,146,923.27, 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 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](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</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 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Global/International | **American Funds Insurance Series® EUPAC Fund** (formerly American Funds Insurance Series® International Fund) (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.72%^ | 26.77% | 3.40% | 7.00% |
| Large-Cap Growth | **American Funds Insurance Series® Growth Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.58% | 20.24% | 13.37% | 17.97% |
| Large-Cap Blend | **American Funds Insurance Series® Growth-Income Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.53% | 18.06% | 13.90% | 13.92% |
| Large-Cap Value | **American Funds Insurance Series® Washington Mutual Investors Fund** (Class 2) - Capital Research and Management Company<sup>SM</sup>  | 0.50%^ | 17.21% | 13.89% | 12.36% |
| Asset Allocation | **AST Balanced Asset Allocation Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *Jennison Associates LLC; J.P. Morgan Investment Management Inc.; PGIM Fixed Income; PGIM Quantitative Solutions LLC; Putnam Investment Management, LLC* | 0.87%^ | 14.35% | 6.96% | 8.05% |
| 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% | 7.15% | (1.10)% | 2.30% |
| 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* | 1.02% | 32.84% | 5.76% | 10.00% |
| Balanced | **AST J.P. Morgan Conservative Multi-Asset Portfoli**o - PGIM Investments LLC, AST Investment Services, Inc. / *J.P. Morgan Investment Management Inc.* | 0.92%^ | 10.37% | 3.31% | 5.19% |
| 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* | 0.84% | 14.88% | 13.25% | 12.47% |
| 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.* | 0.87% | 17.06% | 11.35% | 16.27% |
| 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* | 0.81% | 16.05% | 12.97% | 11.35% |
| Balanced | **AST Multi-Asset Diversified Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *Jennison Associates LLC; J.P. Morgan Investment Management Inc.; PGIM Fixed Income; PGIM Quantitative Solutions LLC; PGIM Real Estate; Putnam Investment Management, LLC* | 0.90%^ | 15.55% | 6.86% | 8.28% |
| Balanced | **AST PGIM Aggressive Multi-Asset Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *Jennison Associates LLC; PGIM Fixed Income; PGIM Quantitative Solutions LLC; PGIM Real Estate* | 0.90% | 16.00% | 8.22% | 8.26% |

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A-i

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</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 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Asset Allocation | **AST Preservation Asset Allocation Portfolio** - PGIM Investments LLC, AST Investment Services, Inc. / *Jennison Associates LLC; J.P. Morgan Investment Management Inc.; PGIM Fixed Income; PGIM Quantitative Solutions LLC; Putnam Investment Management, LLC* | 0.89%^ | 11.33% | 3.76% | 5.45% |
| Mid-Cap Blend | **BNY Mellon MidCap Stock Portfolio** (Service Shares) - BNY Mellon Investment Adviser, Inc. / *Newton Investment Management North America, LLC* | 1.05%^ | 9.81% | 9.39% | 8.51% |
| Large-Cap Blend | **BNY Mellon Sustainable U.S. Equity Portfolio, Inc.** (Service Shares) - BNY Mellon Investment Adviser, Inc. / *Newton Investment Management Limited* | 0.91% | 15.67% | 11.65% | 13.27% |
| Global/International | **CVT EAFE International Index Portfolio** (Class F) - Calvert Research and Management | 0.68%^ | 30.64% | 8.31% | 7.63% |
| Large-Cap Blend | **CVT Nasdaq 100® Index Portfolio** (Class F) - Calvert Research and Management / *Ameritas Investment Partners, Inc.* | 0.74%^ | 20.10% | 14.45% | 18.79% |
| Mid-Cap Blend | **CVT S&P MidCap 400® Index Portfolio** (Class F) - Calvert Research and Management / *Ameritas Investment Partners, Inc.* | 0.53%^ | 6.92% | 8.55% | 10.13% |
| Large-Cap Growth | **Fidelity® VIP Contrafund**<sup>SM</sup> **Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.79% | 21.24% | 15.08% | 15.49% |
| Large-Cap Blend | **Fidelity® VIP Index 500 Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) / *Geode Capital Management, LLC (Geode)* | 0.34% | 17.48% | 14.03% | 14.42% |
| Mid-Cap Growth | **Fidelity® VIP Mid Cap Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.80% | 11.49% | 9.83% | 10.31% |
| Large-Cap Value | **Franklin Income VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.72% | 12.56% | 7.66% | 7.30% |
| Large-Cap Value | **Invesco V.I. Growth and Income Fund** (Series I) - Invesco Advisers, Inc. | 0.75% | 15.62% | 12.85% | 10.73% |
| Intermediate Core-Plus Bond | **MFS® Total Return Bond Series** (Initial Class) - Massachusetts Financial Services Company | 0.53%^ | 7.17% | 0.15% | 2.63% |
| Specialty | **MFS® Utilities Series** (Initial Class) - Massachusetts Financial Services Company | 0.78%^ | 15.01% | 7.64% | 9.49% |
| Large-Cap Value | **MFS® Value Series** (Initial Class) - Massachusetts Financial Services Company | 0.69%^ | 13.01% | 9.95% | 10.05% |
| Specialty | **Neuberger Berman AMT Quality Equity Portfolio** (formerly Neuberger Berman AMT Sustainable Equity Portfolio (Class S) - Neuberger Berman Investment Advisers LLC | 1.12% | 13.43% | 12.54% | 12.66% |
| Global/International | **PSF Global Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.73%^ | 22.03% | 10.04% | 11.41% |
| Balanced | **PSF PGIM 50/50 Balanced Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC* | 0.58% | 12.16% | 7.20% | 8.19% |
| Balanced | **PSF PGIM Flexible Managed Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC* | 0.62% | 13.16% | 9.06% | 9.26% |
| Money Market | **PSF PGIM Government Money Market Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income* | 0.32% | 4.05% | 3.06% | 1.96% |
| Fixed Income | **PSF PGIM High Yield Bond Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited* | 0.57%^ | 8.90% | 4.85% | 6.92% |
| Large-Cap Growth | **PSF PGIM Jennison Blend Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.46%^ | 18.52% | 12.33% | 13.96% |
| Large-Cap Growth | **PSF PGIM Jennison Growth Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.60%^ | 14.27% | 10.69% | 16.62% |
| Large-Cap Value | **PSF PGIM Jennison Value Portfolio** (Class I) - PGIM Investments LLC / *Jennison Associates LLC* | 0.43% | 16.88% | 13.90% | 11.39% |

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</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 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** | **Average Annual Total Returns<br>As Of 12/31/2025** |
| **Type** | **Fund** - Investment Manager(s) / *Subadviser(s)* | **Current Expense** | **1 year** | **5 year** | **10 year** |
| Fixed Income | **PSF PGIM Total Return Bond Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited* | 0.43% | 7.80% | 0.14% | 3.17% |
| Small-Cap Blend | **PSF Small-Cap Stock Index Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.38% | 5.69% | 6.97% | 9.52% |
| Large-Cap Blend | **PSF Stock Index Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.28% | 17.56% | 14.09% | 14.51% |
| Large-Cap Value | **Templeton Growth VIP Fund** (Class 2) - Templeton Global Advisors Limited | 1.12%^ | 23.83% | 7.95% | 7.04% |
| Asset Allocation | **TOPS® Aggressive ETF Portfolio** (formerly TOPS® Aggressive Growth ETF Portfolio) (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.54% | 18.83% | 9.41% | 10.43% |
| Asset Allocation | **TOPS® Balanced ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.54% | 12.85% | 5.52% | 6.39% |
| Asset Allocation | **TOPS® Conservative ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.56% | 10.15% | 4.34% | 4.99% |
| Asset Allocation | **TOPS® Managed Risk Balanced ETF Portfolio** (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC*  | 0.76% | 9.03% | 3.83% | 4.92% |
| Asset Allocation | **TOPS® Managed Risk Moderate ETF Portfolio** (formerly TOPS® Managed Risk Moderate Growth ETF Portfolio) (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC*  | 0.75% | 10.36% | 4.74% | 5.72% |
| Asset Allocation | **TOPS® Managed Risk Moderately Aggressive ETF Portfolio** (formerly TOPS® Managed Risk Growth ETF Portfolio) (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.75% | 11.65% | 5.36% | 6.13% |
| Asset Allocation | **TOPS® Moderate ETF Portfolio** (formerly TOPS® Moderate Growth ETF Portfolio) (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC*  | 0.53% | 15.13% | 6.92% | 7.99% |
| Asset Allocation | **TOPS® Moderately Aggressive ETF Portfolio** (formerly TOPS® Growth ETF Portfolio) (Class 2) - ValMark Advisers, Inc. / *Milliman Financial Risk Management, LLC* | 0.54% | 17.99% | 8.56% | 9.53% |

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Chronically Ill –** 

**▪** (for Contracts issued with rider form number VL 145 B6-2020) – An insured has been certified by a Licensed Health Care Practitioner as:

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

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

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

**▪** (for Contracts issued with rider form number VL 145 B4-2016) – An insured has been certified by a Licensed Health Care Practitioner as:

1. being unable to perform (without Substantial Assistance from another individual) at least two Activities of Daily Living for the remainder of the insured's life due to a loss of functional capacity, or

2. requiring Substantial Supervision for protection from threats to health and safety due to Severe Cognitive Impairment that is expected to last for the remainder of the insured's life.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

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

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

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

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

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

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

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

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

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

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

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

after the close of a business day, then, in each case, we are deemed to have received that item on the next business day.

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

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

**Recertification –** 

**▪** (for Contracts issued with rider form number VL 145 B6-2020) – A signed statement completed by a Licensed Health Care Practitioner, at your or the insured's expense, certifying that the insured is Chronically Ill. The Written Certification must include due proof of the insured's Chronic Illness. Recertification must be received each year in order for you to continue receiving Benefit Payments under the Chronic Illness Option of the BenefitAccess Rider beyond a Benefit Year. The Recertification will be effective as of the start of the new Benefit Year.

**▪** (for Contracts issued with rider form number VL 145 B4-2016) – Written and signed documentation completed by a Licensed Health Care Practitioner, at your or the insured's expense, certifying that the insured continues to be Chronically Ill and requires continuous care for the remainder of the insured's life in an Eligible Facility or at home. Recertification must be received prior to the start of each Benefit Year following the initial Benefit Year in order to continue receiving Benefit Payments under the Chronic Illness Option of the BenefitAccess Rider. The Written Certification must also include due proof of the insured's continued Chronic Illness.

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

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

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

**Services –** The necessary diagnostic, preventive, curing, treating, mitigating and rehabilitative services, and

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**<u>[GLOSSARY](#i3a74142cc41242f0bb6ae30709033981_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**](#i3a74142cc41242f0bb6ae30709033981_4)</u>**

maintenance or personal care services which are required by a Chronically Ill individual and are provided pursuant to a Plan of Care prescribed by a Licensed Health Care Practitioner.

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

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

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

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

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

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

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

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

**Written Certification –** 

▪ (for Contracts issued with rider form number VL 145 B6-2020) – For Terminal Illness, a signed statement completed by a Licensed Physician, at your or the insured's expense, certifying that the insured is Terminally Ill. For Chronic Illness, Written Certification means a signed statement completed by a Licensed Health Care Practitioner, at your or the insured's expense, certifying that the insured is Chronically Ill. The Written Certification must also include due proof of the insured's Terminal Illness or Chronic Illness. Certification for each Chronic Illness claim will be effective as of the first day of the Benefit Year.

**▪** (for Contracts issued with rider form number VL 145 B4-2016) – For Terminal Illness, a signed statement completed by a Licensed Physician, at your or the insured's expense, certifying that the insured is Terminally Ill. For Chronic Illness, Written Certification means a signed statement completed by a Licensed Health Care Practitioner, at your or the insured's expense, certifying that the insured is Chronically Ill and requires continuous care for the remainder of the insured's life in an Eligible Facility or at home. The Written Certification must also include due proof of the insured's Terminal Illness or Chronic Illness.

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

The statement of additional information ("SAI") is legally a part of this prospectus, both of which are filed with the SEC under the Securities Act of 1933, Registration No. 333-252986. The SAI contains additional information about the Pruco Life of New Jersey Variable Appreciable Account. The SEC maintains a website (www.SEC.gov) that contains the ***VUL Protector®*** SAI, material incorporated by reference, and other information about us. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: PublicInfo@SEC.gov.

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

Pruco Life Insurance Company of New Jersey

213 Washington Street

Newark, New Jersey 07102

EDGAR Class/Contract Identifier: C000227054

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

STATEMENT OF ADDITIONAL INFORMATION

The date of this statement of additional information and of the related prospectuses is May 1, 2026.

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

Pruco Life Insurance Company of New Jersey

***VUL Protector***®

**VARIABLE UNIVERSAL LIFE INSURANCE CONTRACTS**

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

**As of September 8, 2025, Pruco Life Insurance Company of New Jersey no longer offered this Contract for sale.**

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** |
| **<u>[GENERAL INFORMATION AND HISTORY](#i43e25e311b0343f7b4d8d64d55016bcd_4)</u>** | **<u>[1](#i43e25e311b0343f7b4d8d64d55016bcd_4)</u>** |
| <u>[Description Of Pruco Life Insurance Company of New Jersey](#i43e25e311b0343f7b4d8d64d55016bcd_7)</u> | <u>[1](#i43e25e311b0343f7b4d8d64d55016bcd_7)</u> |
| <u>[Control Of Pruco Life Insurance Company of New Jersey](#i43e25e311b0343f7b4d8d64d55016bcd_10)</u> | <u>[1](#i43e25e311b0343f7b4d8d64d55016bcd_10)</u> |
| <u>[State Regulation](#i43e25e311b0343f7b4d8d64d55016bcd_13)</u> | <u>[1](#i43e25e311b0343f7b4d8d64d55016bcd_13)</u> |
| <u>[Records](#i43e25e311b0343f7b4d8d64d55016bcd_16)</u> | <u>[1](#i43e25e311b0343f7b4d8d64d55016bcd_16)</u> |
| <u>[Services And Third Party Administration Agreements](#i43e25e311b0343f7b4d8d64d55016bcd_19)</u> | <u>[1](#i43e25e311b0343f7b4d8d64d55016bcd_19)</u> |
| **<u>[NON-PRINCIPAL RISKS OF INVESTING IN THE CONTRACT](#i43e25e311b0343f7b4d8d64d55016bcd_739)</u>** | **<u>[1](#i43e25e311b0343f7b4d8d64d55016bcd_739)</u>** |
| <u>[Cyber Security, Artificial Intelligence, And Business Continuity Risks](#i43e25e311b0343f7b4d8d64d55016bcd_22)</u> | <u>[1](#i43e25e311b0343f7b4d8d64d55016bcd_22)</u> |
| **<u>[INITIAL PREMIUM PROCESSING](#i43e25e311b0343f7b4d8d64d55016bcd_714)</u>** | **<u>[2](#i43e25e311b0343f7b4d8d64d55016bcd_714)</u>** |
| **<u>[ADDITIONAL INFORMATION ABOUT OPERATION OF CONTRACTS](#i43e25e311b0343f7b4d8d64d55016bcd_28)</u>** | **<u>[3](#i43e25e311b0343f7b4d8d64d55016bcd_28)</u>** |
| <u>[Legal Considerations Relating To Sex-Distinct Premiums And Benefits](#i43e25e311b0343f7b4d8d64d55016bcd_31)</u> | <u>[3](#i43e25e311b0343f7b4d8d64d55016bcd_31)</u> |
| <u>[Reports To Contract Owners](#i43e25e311b0343f7b4d8d64d55016bcd_43)</u> | <u>[3](#i43e25e311b0343f7b4d8d64d55016bcd_43)</u> |
| **<u>[ADDITIONAL INFORMATION ABOUT CHARGES](#i43e25e311b0343f7b4d8d64d55016bcd_46)</u>** | **<u>[3](#i43e25e311b0343f7b4d8d64d55016bcd_46)</u>** |
| <u>[Underwriting Procedures](#i43e25e311b0343f7b4d8d64d55016bcd_49)</u> | <u>[3](#i43e25e311b0343f7b4d8d64d55016bcd_49)</u> |
| **<u>[ADDITIONAL INFORMATION ABOUT CONTRACTS IN DEFAULT](#i43e25e311b0343f7b4d8d64d55016bcd_52)</u>** | **<u>[3](#i43e25e311b0343f7b4d8d64d55016bcd_52)</u>** |
| **<u>[DISTRIBUTION AND COMPENSATION](#i43e25e311b0343f7b4d8d64d55016bcd_55)</u>** | **<u>[3](#i43e25e311b0343f7b4d8d64d55016bcd_55)</u>** |
| **<u>[EXPERTS](#i43e25e311b0343f7b4d8d64d55016bcd_58)</u>** | **<u>[5](#i43e25e311b0343f7b4d8d64d55016bcd_58)</u>** |
| **<u>[FINANCIAL STATEMENTS](#i43e25e311b0343f7b4d8d64d55016bcd_73)</u>** | **<u>[5](#i43e25e311b0343f7b4d8d64d55016bcd_73)</u>** |

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<u>[**TABLE OF CONTENTS**](#i43e25e311b0343f7b4d8d64d55016bcd_1)</u>

**GENERAL INFORMATION AND HISTORY**

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

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

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

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

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

**State Regulation**

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

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

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

**Records**

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

**Services And Third Party Administration Agreements**

Pruco Life of New Jersey and Prudential have entered into a Service Agreement pursuant to which Prudential furnishes to Pruco Life of New Jersey various services, including preparation, maintenance, and filing of accounts, books, records, and other documents required under federal or state law, and various other accounting, administrative, and legal services, which are customarily performed by the officers and employees of Prudential. Pruco Life of New Jersey reimburses Prudential for its costs in providing such services. Under this Agreement, Pruco Life of New Jersey has reimbursed Prudential $10,097,973 in 2025, $10,829,532 in 2024, and $18,652,176 in 2023, of which the life business accounted for $6,745,461, $6,592,847, and $9,229,505, respectively.

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

On May 10, 2023, Fidelity Information Services ("FIS") became a billing and payment services provider for Prudential, Pruco Life, and Pruco Life of New Jersey. FIS received $1,728,981.51 in 2025, $2,019,422 in 2024, and $1,138,278 in 2023 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 $0 in 2025, $162,000 in 2024, and $345,904 in 2023, 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.

**NON-PRINCIPAL RISKS OF INVESTING IN THE CONTRACT**

**Cyber Security, Artificial Intelligence, And Business Continuity Risks**

With the increasing use of technology and computer systems in general and, in particular, the internet and artificial intelligence ("AI") 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

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events and occurrences. These risks are heightened by our offering of products with certain features, including those with automatic asset transfer or re-allocation strategies, and by our employment of complex investment, trading and hedging programs. Cyber security is generally 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. Rapidly-evolving AI technologies are being leveraged by threat actors to make cyber-attacks more effective and efficient. 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.

In addition to the cyber security risks described above, the development, adoption and use of AI, including generative artificial intelligence ("Generative AI"), by us and by third parties on whom we rely may increase existing operational risks or create new operational risks that we are not currently anticipating. AI technologies offer potential benefits in areas such as customer service personalization and process automation, and we expect to use AI and Generative AI to help deliver products and services and support critical functions. We also expect third parties on whom we rely to do the same. There are significant risks involved in developing and deploying AI, and there can be no assurance that its use will enhance our products or services or be beneficial to our business, including our efficiency or profitability. The risk that AI and Generative AI may be misused is increased by the relative newness of the technology, the speed at which it is being adopted, and the lack of laws, regulations or standards governing its use. Such misuse could expose the Company to legal or regulatory risk, damage customer relationships or cause reputational harm. Further, our ability to continue to develop and efficiently deploy AI technologies depends on access to specific third-party equipment and other physical infrastructure, such as processing hardware and network capacity, the availability and pricing of which is difficult to control, especially in a highly competitive environment. Our competitors may also adopt AI or Generative AI more quickly or more effectively than we do, which could cause competitive harm. Because the Generative AI technology is so new, some of the potential risks of Generative AI are currently unknowable.

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

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

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

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

**INITIAL PREMIUM PROCESSING**

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

Upon receipt of a request for life insurance from a prospective Contract Owner, Pruco Life of New Jersey will follow certain insurance underwriting (i.e., evaluation of risk) procedures designed to determine whether the proposed insured is insurable. The process may involve such verification procedures as medical examinations and may require that further information be provided by

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the proposed Insured before a determination can be made. A Contract cannot be issued, (i.e., physically issued through Pruco Life of New Jersey's computerized issue system) until this underwriting procedure has been completed.

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

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

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

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

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**

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

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

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

A list below provides the names of the firms (or their affiliated broker-dealers) that we are aware of (as of December 31, 2025) that received payment or accrued a payment amount with respect to variable product business during 2025. The least amount of cash compensation paid or accrued and the greatest amount paid or accrued during 2025 were $4.50 and $155,146,923.27, respectively.

Names of Firms:

&PARTNERS LLC, ACE DIVERSIFIED CAPITAL INC, ACP INVESTMENTS LLC, AEGIS CAPITAL CORPORATION, AGENCY SERVICES OF AR INC, AGP - ALLIANCE GLOBAL PARTNERS, ALLEN MOONEY & BARNES BROKERAGE SERVICES LLC, ALLSTATE FINANCIAL SERVICES LLC, AMERIAN GENERAL INS AGCY INC, AMERICAN GLOBAL WEALTH MANAGEMENT INC, AMERICAN INDEPENDENT SECURITIES GROUP, LLC, AMERICAN TRUST INVESTMENT SERVICES INC, AMERIPRISE FINANCIAL CENTER, 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, AURORA INSURANCE SERVICES INC, AUSDAL FINANCIAL PARTNERS INC, AVANTAX INSURANCE AGENCY LLC, AVANTAX INVESTMENT SERVICES INC, AVISEN WEALTH MANAGEMENT INC, AW SECURITIES LLC DBA HANSON MCCLAIN RET, 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 & CO FIN SVCS INC, BERTHEL FISHER AND COMPANY INSURANCE INC, BOK FINANCIAL SECURITIES INC, BRIGHTON SECURITIES CORP, 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, 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, CETERA WEALTH 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, CONCORDE INSURANCE AGENCY INC, CONCOURSE FINANCIAL GROUP SECURITIES, COORDINATED CAPITAL SECURITIES, CPS FINANCIAL & INSURANCE SERVICES INC, CREATIVEONE SECURITIES LLC, CSFG INSURANCE AGENCY INC, CUTTER & COMPANY BROKERAGE INC, D A DAVIDSON AND COMPANY INC, DAI SECURITIES, LLC, DELTA FINANCIAL INSURANCE BROKERAGE CORP, 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, ENTERPRISE GENERAL INS AGENCY INC, ENTERPRISE SECURITIES COMPANY, EQUITABLE NETWORK LLC, 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 ADVISORS INC, FIRST HORIZON INSURANCE SERVICES INC, FIRST LIBERTIES SECURITIES INC, FIRST PALLADIUM LLC, FORTRESS PRIVATE LEDGER 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, 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, HILLTOP SECURITIES INSURANCE AGENCY 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, INTEGRITY ALLIANCE LLC, INTEGRITY CAPITAL LLC, INTERCAM SECURITIES INC, INTERCONTINENTAL AGENCY LLC, INTERLINK SECURITIES CORP, INTERNATIONAL ASSETS ADVISORY LLC, INTERSECURITIES INSURANCE AGENCY, INTERVEST INTERNATIONAL EQUITIES CORPORATION, INTERVEST INTERNAT'L EQUITIES CORP, INVERNESS SECURITIES LLC, INVESTMENT CENTER INC, INVESTMENT DISTRIBUTORS INC, INVESTMENT PLANNERS INC, INVESTMENT SALES CORP, INVICTA CAPITAL LLC, J ALDEN ASSOCIATES INC, J W COLE INSURANCE SERVICES INC , J.K. FINANCIAL SERVICES, INC., JANNEY MONTGOMERY SCOTT LLC, JEFFREY MATTHEWS FINANCIAL GROUP LLC, JOHNSTONE BROKERAGE SERVICES LLC, JP MORGAN SECURITIES LLC, JW COLE FINANCIAL INC, KCD FINANCIAL, KESTRA INVESTMENT SERVICES LLC, KEY INVESTMENT SERVICES LLC, KFG ENTERPRISES INC, KOVACK SECURITIES INC, L M KOHN & CO, LAIDLAW AND COMPANY UK LTD, LARSON FINANCIAL GROUP LLC, LARSON FINANCIAL SECURITIES LLC, LASALLE ST SECURITIES, L.L.C., LEBENTHAL FINANCIAL SERVICES INC, LEVEL FOUR FINANCIAL LLC, LFA LIMITED LIABILITY COMPANY, LIBRA INSURANCE PARTNERS LLC, LIFEMARK SECURITIES CORP, LINCOLN INVESTMENT PLANNING LLC, LINCOLN NATIONAL INS

------

<u>[**TABLE OF CONTENTS**](#i43e25e311b0343f7b4d8d64d55016bcd_1)</u>

ASSOC INC, LION STREET FINANCIAL LLC, LOMBARD INTERNATIONAL AGENCY INC, LOMBARD INTERNATIONAL BROKERS INC, LPA INSURANCE AGENCY INC, LPL ENTERPRISE LLC, LPL FINANCIAL CORP, LPL INSURANCE ASSOCIATES INC, LSY INC. DBA AMERICAN INVESTORS COMPANY, M FINANCIAL SECURITIES MARKETING INC, M HOLDINGS SECURITES INC, M.S. HOWELLS & CO, MADISON AVENUE SECURITIES, 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, MML INVESTORS SERVICES LLC, MODERN CAPITAL SECURITIES INC, MOLONEY SECURITIES CO INC, MONEY CONCEPTS CAPITAL, MOORS & CABOT INC, MORGAN STANLEY DEAN WITTER INS SVCS INC, MSC OF TX INC, MUTUAL OF OMAHA MARKETING CORP, MUTUAL SECURITIES INC, MUTUAL TRUST CO OF AMERICA SECURITIES, MWA FINANCIAL SERVICES INC, MWAGIA INC, NATIONS FINANCIAL GROUP INC, NEW PENFACS INS AGENCY INC, NEWBRIDGE SECURITIES CORPORATION, NEXT FINANCIAL GROUP, NEXT FINANCIAL INSURANCE SERVICES, NFP INSURANCE SVCS. INC, NI ADVISORS INC, NORTHLAND SECURITIES INC, NORTHWESTERN MUTUAL INVESTMENT SERVICES, NPA INSURANCE AGENCY INC, 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 FS 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 CORP, PLUS AGENCY LLC, PREFERRED MARKETING SERVICES INC, PRINCIPAL SECURITIES INC, PRIVATE CLIENT SERVICES LLC, PROSPERA LIFE & ANNUITY SERVICES INC, PROVENANCE INSURANCE SERVICES LLC, PRUDENTIAL DIRECT INC, PURSHE KAPLAN STERLING INS, PWA SECURITIES LLC, RADCLIFFE, ELLEN, PATRICIA, RAYMOND JAMES & ASSOCIATES INC, RAYMOND JAMES FINANCIAL SERVICES, INC, RAYMOND JAMES INSURANCE GROUP INC, RBC CAPITAL MARKETS CORP, REGULUS FINANCIAL GROUP LLC, REHMANN INSURANCE GROUP LLC, ROBERT SHOR INSURANCE ASSOCIATES INC, ROBERT W BAIRD & CO INC, ROCKEFELLER CAPITAL MGMT INS SVS, S B H U LIFE AGENCY INC, SAN BLAS SECURITIES LLC, SANCTUARY SECURITIES INC, SAXONY INSURANCE AGENCY LLC, SAYBRUS EQUITY SERVICES INC, SBS INSURANCE AGENCY OF LA INC, SFA INSURANCE SERVICES INC, SIGMA FINANCIAL CORP, SIGNAL SECURITIES INC, SIGNATURE ESTATE SECURITIES LLC, SII INVESTMENTS IN, SMITH MOORE AND CO, SNOWDEN INSURANCE SERVICES LLC, SORRENTO PACIFIC FINANCIAL LLC, SOUTH COAST ASSURANCE COMPANY, SPIRE INSURANCE AGENCY LLC, ST BERNARD FINANCIAL SERVICES INC, STANLEY LAMAN GROUP SECURITIES LLC, STEPHENS INSURANCE LLC, STERN CAPITAL DE, STEWARD PARTNERS INVESTMENT SOLUTIONS LLC, STIFEL INDEPENDENT ADVISORS LLC, STIFEL NICHOLAUS & CO INC, STIFEL NICOLAUS INSURANCE AGENCY, INC., STONEX SECURITIES INC, SUMMIT BROKERAGE SERVICES, INC, SUPREME ALLIANCE LLC, SYNDICATED CAPITAL INC, SYNOVUS SECURITIES INC, TBS AGENCY INC, TBS AGENCY OF TEXAS INC, THE LEADERS GROUP INC , THOROUGHBRED FINANCIAL SERVICES LLC, THRIVENT INSURANCE AGENCY INC, THURSTON SPRINGER MILLER HERD & TITAK INC, TRANSAMERICA FINANCIAL ADVISORS, TRUIST INVESTMENT SERVICES INC, TRUSTMONT FINANCIAL GROUP INC, U S BANCORP INVESTMENTS INC, U.S. BANCORP ADVISORS LLC, UBS FINANCIAL SERVICES, UBS FINANCIAL SERVICES INSURANCE, UMB INSURANCE INC, UNITED BROKERAGE SERVICES INC, UNITED PLANNERS FINANCIAL SERVICES OF AM, UPFSA INSURANCE AGENCY OF AZ, INC., US BANCORP INSURANCE SERVICES LLC, USA FINANCIAL SECURITIES LLC, VALLEY FINANCIAL MANAGEMENT INC, VALMARK SECURITES INC, VANDERBILT SECURITIES LLC, VARIABLE CONTRACT AGENCY LLC, VOYA FINANCIAL ADVISORS INC, WEH INSURANCE AGENCY INC, WELLS FARGO ADVISORS FINANCIAL, WELLS FARGO ADVISORS FINANCIAL NETWORK LLC, WELLS FARGO ADVISORS INS. AGENCY, WELLS FARGO ADVISORS INSURANCE AGENCY, WELLS FARGO ADVISORS LLC, WENTWORTH FINANCIAL PARTNERS LLC, WESTERN INTERNATIONAL SECURITIES INC, WINTRUST INVESTMENTS LLC, WJ LYNCH INS AGENCY, WORLD EQUITY GROUP, WORLD FINANCIAL GROUP INS AGCY INC, WORLD FINANCIAL GRP INS AGENCY OF MA INC, WORLD INVESTMENTS LLC, 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, 2025 and 2024 and for each of the three years in the period ended December 31, 2025 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 9, 2026 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](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)[Apr](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)[il](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)[9](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)[,](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)[2026](https://www.sec.gov/Archives/edgar/data/741313/000074131326000010/a2025-96007plnjva_combined.htm)</u> .**

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

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| | | |
|:---|:---|:---|
| (a) | Board of Directors Resolution: | Board of Directors Resolution: |
| (i) | (i) | <u>[Resolution of Board of Directors of Pruco Life Insurance Company of New Jersey establishing the Pruco Life of New Jersey Variable Appreciable Account](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/boardresolution-plnjvaa.htm)</u>. (Note 4) |
| (b) | Custodian Agreements: | Custodian Agreements: |
|  |  | Not Applicable. |
| (c) | Underwriting Contracts: | Underwriting Contracts: |
| (i) | (i) | <u>[Distribution Agreement between Pruco Securities, LLC and Pruco Life Insurance Company of New Jersey](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/plnjdistribagreement.htm)</u>. (Note 4) |
| (ii) | (ii) | <u>[Broker Dealer Selling Agreement used from 01-2024 to current](https://www.sec.gov/Archives/edgar/data/741313/000074131325000069/sa012024.htm)</u>. (Note 25) |
| (iii) | (iii) | <u>[Broker Dealer Selling Agreement used from 10-2022 to 01-2024](https://www.sec.gov/Archives/edgar/data/741313/000074131323000099/sa10-2022.htm)</u>. (Note 23) |
| (iv) | (iv) | <u>[Broker Dealer Selling Agreement used from 11-2021 to 10-2022.](https://www.sec.gov/Archives/edgar/data/741313/000074131322000036/sa11-2021.htm)</u> (Note 22) |
| (v) | (v) | <u>[Broker Dealer Selling Agreement used from 8-2018 to 11-2021](https://www.sec.gov/Archives/edgar/data/741313/000074131320000010/sa08-2018.htm)</u>. (Note 5) |
| (d) | Contracts: | Contracts: |
| (i) | (i) | <u>[Individual Flexible Premium Variable Universal Life Insurance Contract - VULPR-2021](https://www.sec.gov/Archives/edgar/data/741313/000074131321000036/vulpr-2021.htm)</u>. (Note 21) |
| (ii) | (ii) | <u>[Rider for Insured's Accidental Death Benefit - VL 110 B-2000 NY](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/accidentaldeathbenefit.htm)</u>. (Note 4) |
| (iii) | (iii) | <u>[Rider for Payment of Net Premium Amount Benefit Upon Insured's Total Disability - VL 100 B-2017](https://www.sec.gov/Archives/edgar/data/741313/000074131318000050/vl100b-2017.htm)</u>. (Note 19) |
| (iv) | (iv) | <u>[Rider for Level Term Insurance Benefit on Dependent Children - VL 182 B-2016](https://www.sec.gov/Archives/edgar/data/741313/000074131318000050/vl182b-2016.htm)</u>. (Note 19) |
| (v) | (v) | <u>[Rider for Level Term Insurance Benefit on Dependent Children - From Conversions - VL 184 B-2016](https://www.sec.gov/Archives/edgar/data/741313/000074131318000050/vl184b-2016.htm)</u>. (Note 19) |
| (vi) | (vi) | <u>[Rider to Provide Lapse Protection - RID-VLPR-2021](https://www.sec.gov/Archives/edgar/data/741313/000074131322000036/rid-vlprx2021ridertoprovid.htm)</u>. (Note 22)  |
| (vii) | (vii) | <u>[Rider to Provide Lapse Protection - PLY 126-2020](https://www.sec.gov/Archives/edgar/data/741313/000074131321000036/ply126-2020.htm)</u>. (Note 21)  |
| (viii) | (viii) | <u>[Rider for Excess Loan Protection - PLY 141-2017](https://www.sec.gov/Archives/edgar/data/741313/000074131317000060/ply141-2017.htm)</u>. (Note 15) |
| (ix) | (ix) | <u>[Rider for Settlement Options to Provide Acceleration of Death Benefits - ORD 87241-91 NY](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/livingneedsbenefitrider-ny.htm)</u>. (Note 4) |
| (x) | (x) | <u>[Rider to Provide Acceleration of Death Benefit – VL 145 B4-2016](https://www.sec.gov/Archives/edgar/data/741313/000074131318000050/vl145b4-2016.htm)</u>. (Note 19) |
| (xi) | (xi) | <u>[Rider to Provide Acceleration of Death Benefit – VL 145 B6-2020](https://www.sec.gov/Archives/edgar/data/741313/000074131323000243/vl145b6-2020.htm)</u>. (Note 24) |
| (e) | Applications: | Applications: |
| (i) | (i) | <u>[Application for Variable Universal Life Insurance Contract](ord_96200-2025xnyx0126.htm)</u>. (Note 1) |
| (ii) | (ii) | <u>[Supplement to the Application for Variable Universal Life Insurance Contract](ord_96200var-2025xnyx062.htm)</u>. (Note 1) |
| (f) | Depositor's Certificate of Incorporation and By-Laws: | Depositor's Certificate of Incorporation and By-Laws: |
| (i) | (i) | <u>[Articles of Incorporation of Pruco Life Insurance Company of New Jersey, as amended through March 11, 1983](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/plnjcertificateincorporation.htm)</u>. (Note 4) |
| (ii) | (ii) | <u>[Certificate of Amendment of the Articles of Incorporation of Pruco Life Insurance Company of New Jersey, February 12, 1998](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/amendmenttocertificate.htm)</u>. (Note 4) |
| (iii) | (iii) | <u>[Certificate of Amendment of the Articles of Incorporation of Pruco Life Insurance Company of New Jersey, October 1, 2012](https://www.sec.gov/Archives/edgar/data/741313/000074131315000088/certofamendment.htm)</u>. (Note 13) |
| (iv) | (iv) | <u>[By-laws of Pruco Life Insurance Company of New Jersey, as amended August 4, 1999](https://www.sec.gov/Archives/edgar/data/741313/000074131309000018/by-lawsofplnj.htm)</u>. (Note 4) |
| (g) | Reinsurance Contracts: | Reinsurance Contracts: |
| (i) | (i) | <u>[Agreement between Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey") and Prudential](https://www.sec.gov/Archives/edgar/data/741313/000074131307000016/nj-cede2prureinsurance.htm)</u>. (Note 3) |
| (ii) | (ii) | <u>[Amendments (1-15) to the Agreement between Pruco Life of New Jersey and Prudential](https://www.sec.gov/Archives/edgar/data/741313/000085169313000015/amendments1-15reinsurance.htm)</u>. (Note 8) |

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| | | |
|:---|:---|:---|
| (h) | Participation Agreements: | Participation Agreements: |
| (i) | (i) | <u>[Advanced Series Trust (formerly American Skandia Trust) Participation Agreement, as amended June 8, 2005](https://www.sec.gov/Archives/edgar/data/741313/000074131305000044/nj-skandiaparticipationagree.htm)</u>. (Note 2) |
| (ii) | (ii) | <u>[Amendment #1 to the Participation Agreement between Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey") and Advanced Series Trust (formerly American Skandia Trust), as amended June 8, 2005](https://www.sec.gov/Archives/edgar/data/741313/000085169313000015/amendment1astnjparticipation.htm)</u>. (Note 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 BNY Mellon (formerly Dreyfus)](https://www.sec.gov/Archives/edgar/data/741313/000074131308000027/dreyfusagreementnj.htm)</u>. (Note 10) |
| (v) | (v) | <u>[Amendment #3 to the Participation Agreement between Pruco Life of New Jersey and BNY Mellon](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/dreyfus-amend3xplnj20060815.htm)</u>. (Note 16) |
| (vi) | (vi) | <u>[Amendment #4 to the Participation Agreement between Pruco Life of New Jersey and BNY Mellon](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/dreyfus-amend4xplnj20081014.htm)</u>. (Note 16) |
| (vii) | (vii) | <u>[Amendment #5 to the Participation Agreement between Pruco Life of New Jersey and BNY Mellon](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/dreyfus-amend5xplnj20110512.htm)</u>. (Note 16) |
| (viii) | (viii) | <u>[Amendment #6 to the Participation Agreement between Pruco Life of New Jersey and BNY Mellon](https://www.sec.gov/Archives/edgar/data/741313/000074131314000040/amend6dreyfus.htm)</u>. (Note 12) |
| (ix) | (ix) | <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) |
| (x) | (x) | <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) |
| (xi) | (xi) | <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 16) |
| (xii) | (xii) | <u>[Amendment # 3 to the Participation Agreement between Pruco Life of New Jersey and Fidelity](https://www.sec.gov/Archives/edgar/data/741313/000074131325000069/fidelitypa3-plnj.htm)</u>. (Note 25) |
| (xiii) | (xiii) | <u>[Amendment # 4 to the Participation Agreement between Pruco Life of New Jersey and Fidelity](https://www.sec.gov/Archives/edgar/data/741313/000074131325000069/fidelitypa4-plnj.htm)</u>. (Note 25) |
| (xiv) | (xiv) | <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) |
| (xv) | (xv) | <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 16) |
| (xvi) | (xvi) | <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 16) |
| (xvii) | (xvii) | <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 16) |
| (xviii) | (xviii) | <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 16) |
| (xix) | (xix) | <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 17) |
| (xx) | (xx) | <u>[Amendment #8 to the Participation Agreement between Pruco Life of New Jersey and Franklin](franklinamendment8.htm)</u>. (Note 1) |
| (xxi) | (xxi) | <u>[Amendment #9 to the Participation Agreement between Pruco Life of New Jersey and Franklin](franklinamendment9.htm)</u>. (Note 1) |
| (xxii) | (xxii) | <u>[Participation Agreement between Pruco Life of New Jersey and Invesco (formerly AIM Funds)](https://www.sec.gov/Archives/edgar/data/741313/000082897215000090/agreementaim.htm)</u>. (Note 14) |
| (xxiii) | (xxiii) | <u>[Amendment to the Participation Agreement between Pruco Life of New Jersey and Invesco](https://www.sec.gov/Archives/edgar/data/741313/000082897215000090/amendmentaim.htm)</u>. (Note 14) |
| (xxiv) | (xxiv) | <u>[Amendment to the Participation Agreement between Pruco Life of New Jersey and Invesco](https://www.sec.gov/Archives/edgar/data/741313/000074131318000017/aimdistrib-paamendxplnj200.htm)</u>. (Note 18) |
| (xxv) | (xxv) | <u>[Amendment to the Participation Agreement between Pruco Life of New Jersey and Invesco](https://www.sec.gov/Archives/edgar/data/741313/000082897215000090/amendmentaiminvesco.htm)</u>. (Note 14) |
| (xxvi) | (xxvi) | <u>[Amendment to the Participation Agreement between Pruco Life of New Jersey and Invesco](https://www.sec.gov/Archives/edgar/data/741313/000082897215000090/ammendmentinvesco.htm)</u>. (Note 14) |
| (xxvii) | (xxvii) | <u>[Participation Agreement between Pruco Life of New Jersey and MFS](https://www.sec.gov/Archives/edgar/data/741313/000074131308000027/mfsagreementplnj.htm)</u>. (Note 10) |
| (xxviii) | (xxviii) | <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) |
| (xxix) | (xxix) | <u>[Participation Agreement between Pruco Life of New Jersey and Neuberger Berman](https://www.sec.gov/Archives/edgar/data/741313/000074131308000027/nbagreementnj.htm)</u>. (Note 10) |
| (xxx) | (xxx) | <u>[Amendment #1 to the Participation Agreement between Pruco Life of New Jersey and Neuberger Berman](https://www.sec.gov/Archives/edgar/data/741313/000074131314000040/amend1neubergerberman.htm)</u>. (Note 12) |
| (xxxi) | (xxxi) | <u>[Amendment #2 to the Participation Agreement between Pruco Life of New Jersey and Neuberger Berman](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/nb-paamend2xplnj20150325.htm)</u>. (Note 16) |
| (xxxii) | (xxxii) | <u>[Participation Agreement between Pruco Life of New Jersey and Northern Lights](https://www.sec.gov/Archives/edgar/data/741313/000082897212000013/njnorthernlights.htm)</u>. (Note 7) |
| (xxxiii) | (xxxiii) | <u>[Amendment #2 to the Participation Agreement between Pruco Life of New Jersey and Northern Lights](https://www.sec.gov/Archives/edgar/data/741313/000085169314000016/amend2northernlights.htm)</u>. (Note 9) |
| (xxxiv) | (xxxiv) | <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 16) |
| (xxxv) | (xxxv) | <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 19) |
| (xxxvi) | (xxxvi) | <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 15) |
| (xxxvii) | (xxxvii) | <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 16) |
| (xxxviii) | (xxxviii) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and BNY Mellon (formerly Dreyfus)](https://www.sec.gov/Archives/edgar/data/741313/000074131317000060/dreyfus-shareholderinforma.htm)</u>. (Note 15) |
| (xxxix) | (xxxix) | <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 15) |
| (xl) | (xl) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and Invesco](https://www.sec.gov/Archives/edgar/data/741313/000074131318000017/aimdistrib-siaxplnj20071016.htm)</u>. (Note 18) |
| (xli) | (xli) | <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 15) |
| (xlii) | (xlii) | <u>[Shareholder Agreement (22c-2 Agreement) between Pruco Life of New Jersey and Neuberger Berman](https://www.sec.gov/Archives/edgar/data/741313/000074131318000014/neuberm-saxplnj20171130.htm)</u>. (Note 16) |
| (xliii) | (xliii) | <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 15) |
| (i) | Administrative Contracts: | Administrative Contracts: |
| (i) | (i) | <u>[Service Agreement between Prudential and the Regulus Group, LLC](https://www.sec.gov/Archives/edgar/data/741313/000085169311000066/regulusagreement.htm)</u>. (Note 6) |

---

------

---

| | | |
|:---|:---|:---|
| (ii) | (ii) | <u>[Revised Service Agreement between Prudential and the Regulus Group LLC, a TransCentra company](https://www.sec.gov/Archives/edgar/data/741313/000085169314000016/transcentra.htm)</u>. (Note 9) |
| (iii) | (iii) | <u>[Engagement Schedule No. 2 between Prudential and Regulus Group, LLC](https://www.sec.gov/Archives/edgar/data/741313/000074131315000088/regulusschedule.htm)</u>. (Note 13) |
| (iv) | (iv) | <u>[Services Agreement between Prudential and Fidelity Information Services](https://www.sec.gov/Archives/edgar/data/741313/000074131323000243/fisservicesagreement.htm)</u>. (Note 24) |
| (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 24) |
| (j) | Other Material Contracts: | Other Material Contracts: |
|  |  | Not Applicable. |
| (k) | Legal Opinion: | Legal Opinion: |
|  |  | <u>[Opinion and Consent of Christopher J. Madin, Esq., as to the legality of the securities being registered](plnjvaa_legalconsentcjm.htm)</u>. (Note 1) |
| (l) | Actuarial Opinion: | Actuarial Opinion: |
|  |  | Not Applicable. |
| (m) | Calculation: | Calculation: |
|  |  | Not Applicable. |
| (n) | Other Opinions: | Other Opinions: |
| (i) | (i) | <u>[Consent of PricewaterhouseCoopers LLP, Independent Registered Public Accounting Firm](plnjvulp21_pwcconsent.htm)</u>. (Note 1) |
| (ii) | (ii) | <u>[Powers of Attorney: Reshma V. Abraham, Markus Coombs, Alan M. Finkelstein, Scott E. Gaul, Bradley O. Harris, Salene Hitchcock-Gear](plnj_poa.htm)</u>. (Note 1) |
| (o) | Omitted Financial Statements: | Omitted Financial Statements: |
|  |  | Not Applicable. |
| (p) | Initial Capital Agreements: | Initial Capital Agreements: |
|  |  | Not Applicable. |
| (q) | Redeemability Exemption: | Redeemability Exemption: |
| (i) | (i) | <u>[Memorandum describing Pruco Life Insurance Company of New Jersey's issuance, transfer, and redemption procedures for the Contracts pursuant to Rule 6e-3(T)(b)(12)(iii)](plnjvulp_2021exhibit30q.htm)</u>. (Note 1) |
| (r) | Form of Initial Summary Prospectuses: | Form of Initial Summary Prospectuses: |
|  |  | Not applicable. |

---

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

---

| | |
|:---|:---|
| (Note 1) | Filed herewith. |
| (Note 2) | Incorporated by reference to Post-Effective Amendment No. 2 to Form N-6, Registration No. 333-112809, filed August 15, 2005, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 3) | Incorporated by reference to Post-Effective Amendment No. 4 to Form N-6, Registration No. 333-117796, filed April 20, 2007, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 4) | Incorporated by reference to Form N-6, Registration No. 333-158637, filed April 20, 2009, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 5) | Incorporated by reference to Post-Effective Amendment No. 2 to this Registration Statement, filed April 10, 2020, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 6) | Incorporated by reference to Post-Effective Amendment No. 2 to Form N-6, Registration No. 333-158637, filed April 15, 2011, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 7) | Incorporated by reference to Post-Effective Amendment No. 3 to Form N-6, Registration No. 333-158637, filed April 23, 2012, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 8) | Incorporated by reference to Post-Effective Amendment No. 5 to Form N-6, Registration No. 333-158637, filed April 12, 2013, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 9) | Incorporated by reference to Post-Effective Amendment No. 6 to Form N-6, Registration No. 333-158637, filed February 6, 2014, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |

---

------

---

| | |
|:---|:---|
| (Note 10) | Incorporated by reference to Post-Effective Amendment No. 7 to Form N-6, Registration No. 333-112809, filed April 18, 2008, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 11) | Incorporated by reference to Post-Effective Amendment No. 15 to Form N-6, Registration No. 333-112809, filed June 28, 2013, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 12) | Incorporated by reference to Post-Effective Amendment No. 20 to Form N-6, Registration No. 333-112809, filed June 27, 2014, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 13) | Incorporated by reference to Post-Effective Amendment No. 10 to Form N-6, Registration No. 333-158637, filed April 10, 2015, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 14) | Incorporated by reference to Post-Effective Amendment No. 1 to Form N-6, Registration No. 333-205093, filed September 10, 2015, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 15) | Incorporated by reference to Pre-Effective Amendment No. 1 for Form N-6, Registration No. 333-215543, filed June 16, 2017, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 16) | 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 17) | 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 18) | Incorporated by reference to Post-Effective Amendment No. 18 for Form N-6, Registration No. 333-158637, filed April 11, 2018, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 19) | 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 20) | 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 21) | Incorporated by reference to Pre-Effective Amendment No. 1 to this Registration Statement, filed April 30, 2021, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 22) | Incorporated by reference to Post-Effective Amendment No. 1 to this Registration Statement, filed April 7, 2022, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 23) | Incorporated by reference to Post-Effective Amendment No. 2 to this Registration Statement, filed April 6, 2023, on behalf of the Pruco Life of New Jersey Variable Appreciable Account. |
| (Note 24) | 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 25) | Incorporated by reference to Post-Effective Amendment No. 5 to this Registration Statement, filed April 10, 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) | Vice President, Director, Chief Financial Officer, and Chief Accounting Officer |
| ALAN M. FINKELSTEIN (Note 3) | Director and Treasurer |
| KELLY FLORIO (Note 3) | Anti-Money Laundering Officer |
| SCOTT E. GAUL (Note 4) | Director, President, and Chief Executive Officer |
| BRADLEY O. HARRIS (Note 2) | Director |
| SALENE HITCHCOCK-GEAR (Note 2) | Director |
| DANIEL MCNULTY (Note 1) | Chief Compliance Officer |
| SCOTT G. PELKOLA (Note 5) | Chief Investment Officer and Vice President |
| MATTHEW H. SILVER (Note 2) | Chief Actuary and Senior Vice President  |
| JORDAN K. THOMSEN (Note 2) | Vice President and Corporate Counsel |
| 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 |
| (Note 5) 655 Broad Street, Newark, NJ 07102 |

---

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

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

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

**Item 33. Indemnification**

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

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

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

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

**Item 34. Principal Underwriters**

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

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

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

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

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

------

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| **Managers And Officers Of Pruco Securities, LLC** | **Managers And Officers Of Pruco Securities, LLC** |
| **Name and Principal Business Address** | **Position and Office with Pruco Securities** |
| Susan B. Agnew (Note 1) | Assistant Secretary |
| John M. Cafiero (Note 2) | Assistant Secretary |
| David Camuzo (Note 1) | Secretary |
| Susanna Davi (Note 2) | Assistant Treasurer |
| Scott E. Depew (Note 1) | Manager |
| Dexter M. Feliciano (Note 1) | Manager and President |
| Anthony M. Fontano (Note 1) | Vice President and Manager |
| Jennifer H. Gascho (Note 2) | Assistant Controller |
| Patrick L. Hynes (Note 1) | Manager and Chairman |
| Tiffany Khan (Note 2) | Anti-Money Laundering Officer |
| Victor Kong (Note 2) | Assistant Controller |
| Shane T. McGrath (Note 3) | Chief Compliance Officer |
| Juzer Mohammedshah (Note 1) | Treasurer |
| Janette M. Niland (Note 2) | Assistant Treasurer |
| Maggie Palen (Note 2) | Assistant Secretary |
| 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 |  |
| (Note 3) 1 Corporate Drive, Shelton CT 06484 |  |

---

------

&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 $0 in 2025, $4,278,834 in 2024, and $4,084,003 in 2023. Pruco Securities offers the Contract on a continuous basis.

The sum of the chart below is $425,244,693, which represents Pruco Securities' total 2025 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 | $133182 | $0 | $425111512 | $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 certifies that it meets all of the requirements for effectiveness of this registration statement under rule 485(b) under the Securities Act and 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 9<sup>th</sup> day of April, 2026.

---

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

---

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below by the following persons in the capacities indicated on this 9<sup>th</sup> day of April, 2026.

---

| | | |
|:---|:---|:---|
| **<u>Signature and Title</u>** | | |
| /s/ \* |  |  |
| Reshma V. Abraham |  |  |
| Director and Vice President |  |  |
| /s/ \* |  |  |
| Markus Coombs |  |  |
| Director, Vice President, 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, President, and Chief Executive Officer |  |  |
| /s/ \* |  |  |
| Bradley O. Harris |  |  |
| Director |  |  |
| /s/ \* |  |  |
| Salene Hitchcock-Gear |  |  |
| Director |  |  |

---

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

## Ex-99.E

![](ord_96200-2025xnyx0126001.jpg)

1 Application for Life Insurance PART 1 Pruco Life Insurance Company of New Jersey The Prudential Insurance Company of America POLICY NUMBER (IF KNOWN): A. PROPOSED INSURED (POLICY OWNER UNLESS SECTION D IS COMPLETED) 1. Name: 2. Previous name (if changed in the last 5 yrs.): 3. Social Security number: 4. State of birth (Country if not U.S.): 5. Gender: Female Male 6. Date of birth: 7. Date policy to Save Age? Yes No 8. Are you a permanent, legal US resident? Yes No If No, provide country of legal residence, type and number of visa, expiration date and length of US residence: 9. Driver's license issuing state: Number: Expiration date: If None, why not?: 10. Residence address (No PO boxes): Street Apt City State ZIP 11. e-mail address: 12. Home telephone number: Business telephone number (ext.): 13. Current employer name: Business address: Street Suite City State ZIP 14. Occupation: Duties: 15. Earned annual income $ Unearned annual income $ Net worth $ A023 Both are Prudential companies. Corporate Offices, Newark, New Jersey ORD 96200-2025 NEW YORK (CONTINUED) 01/2026

------

![](ord_96200-2025xnyx0126002.jpg)

2 (CONTINUED) ORD 96200-2025 NEW YORK 5. Requested Optional Benefits: (Not all benefits are available for all products.): Waiver of Premium/Enhanced Disability Benefit Acceleration of Death Benefit (Living Needs Benefit) Accidental Death Benefit: Amount $ BenefitAccess Rider Complete BenefitAccess Rider Supplement. If applicable, Select Max Monthly Benefit Percentage 2% or 4% Overloan Protection Rider Child Rider Complete Child Rider Supplement. Automatic Premium Loan Other Riders/Benefits (indicate amount where applicable): C. PREMIUM 1. Send notices (check one): Policyowner Other recipient: Send notices (check one): Policyowner's residence Other address: Street Apt City State ZIP 2. Premium payment mode: Annual Semiannual Quarterly Monthly – Electronic Funds Transfer 3. For non-term plans, Initial premium amount: $ Planned premium amount: $ D. OWNER (COMPLETE IF OWNER IS OTHER THAN THE PROPOSED INSURED) For multiple owners, details are to be listed in Special Requests, section H. NOTE: The initial or current premiums may change and the maximum guaranteed premiums can be charged. 1. Name of owner: 2. Social Security/Tax identification number (SSN/TIN): 3. Residence address (No PO boxes): Street Apt City State ZIP 4. Owner's email address: 01/2026 B. PLAN OF INSURANCE 4. For UL and VUL products only: Definition of life insurance: Cash Value Accumulation Test (CVAT) Guideline Premium Test (GPT) 1. Amount of insurance applied for: $ If greater than $1,000,000 for ages 81 and older or $2,500,000 for ages 71-80 or $5,000,000 for ages 70 and younger, complete Financial Supplement. 3. For UL and VUL products only: Death Benefit type: Type A (Level) Type B (Variable) Type C (Return of Premium) – N/A for VULP. – Interest rate: % 2. Product applied for: Term Essential®: 10 15 20 30 PruLife® Custom Premier II (PCP II) Complete the Variable Supplement. PruLife® Essential Universal Life (EUL) VUL ProtectorSM (VULP) Complete the Variable Supplement. Other: Prudential Momentum IULSM (MIUL) Complete the MIUL Supplement.

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![](ord_96200-2025xnyx0126003.jpg)

3 (CONTINUED) ORD 96200-2025 NEW YORK F. INSURANCE HISTORY 1. Do you have any existing life insurance or annuities? Note: Existing coverage includes any life insurance policies that have been assigned, sold or transferred. Yes No 2. Is this insurance intended to replace any existing insurance or annuity?\* Yes No 3. List the following details for all existing coverage. (List only annuities to be replaced , list all in force life insurance):\* \*Replace or replaced means that the insurance being applied for may replace or cause a change in any existing insurance or annuity with any company, including the lapse or surrender of the existing policy, or the use of funds or values from the existing policy to pay for the new policy. If insurance is for business purposes, also complete the Business Insurance Supplement. If beneficiary is a trust, provide name of trust and trustee(s), date of trust and if trust is revocable or irrevocable. If beneficiary is a business, please list name of business, city and state where located and the form of business. E. BENEFICIARY DETAILS 01/2026 Insurance Company Face Amount Type Product To Be Replaced?\* 1035 Exchange? $ Group Individual Annuity Life Yes No Yes No $ Group Individual Annuity Life Yes No Yes No $ Group Individual Annuity Life Yes No Yes No $ Group Individual Annuity Life Yes No Yes No $ Group Individual Annuity Life Yes No Yes No Name: First Middle Last Relationship to Proposed Insured Age Beneficiary Class Primary Secondary/Contingent D. OWNER (COMPLETE IF OWNER IS OTHER THAN THE PROPOSED INSURED) (CONTINUED) 5a. For trust owner: Complete the Trustee Statement and Agreement (COMB 86044). Trust date: Trustee(s) Type: Revocable Irrevocable Qualified Retirement Plan Trust Welfare Benefit Trust 5b. For business owner: Complete the Business Supplement. Form: Corporation Partnership Sole proprietorship Other: S Corporation LLC Tax exempt 5c. For personal owner: Total insurance program: Currently in-force: $ Pending applications: $ Relationship to Proposed Insured: Date of birth: Earned annual income: $ Unearned annual income: $ Net worth: $

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![](ord_96200-2025xnyx0126004.jpg)

4ORD 96200-2025 NEW YORK 1. In the past five years, have you flown as a pilot, student pilot or crew member or do you intend to become a pilot? Yes No 2. In the past five years, have you participated in any activities such as motorized vehicle racing, SCUBA diving, mountain climbing, skydiving, extreme sports such as BASE jumping, bungee jumping or cave exploration, or do you intend to? 3. Have you ever used tobacco or any other nicotine products such as cigarettes, cigars, pipe, chewing tobacco, snuff, nicotine gum or nicotine patch? Yes No Product Type(s) Date Last Used Frequency of Use 4. In the past five years, have you: a. had your driver's license denied, suspended or revoked? Yes No b. been convicted of driving under the influence of alcohol and/or drugs? Yes No c. been convicted of any moving violations? Yes No 6. Will you live or travel outside the United States within the next 12 months? Details required include location (city/country), frequency, duration and purpose of each trip. Yes No If Yes, to Question 1 or 2 above, complete the appropriate Supplement. If Yes, provide details: Yes No 5. Within the past 10 years, have you been convicted for any crime, excluding any expunged convictions, and/or are you currently charged with any crime? Yes No G. GENERAL INFORMATION 01/2026 F. INSURANCE HISTORY (CONTINUED) If Yes, give company name, amount applied for and total amount to be placed, including this application: 4. Are you applying for or reinstating life insurance with any company? Yes No If Yes, give company name, type of insurance, date, action taken and reason for action: 5. Have you had life or health insurance declined, postponed, rated or issued with an increased premium? Yes No 6. Is the proposed insured or proposed owner considering the transfer or sale to a life settlement company or other investor of: policy ownership; or, any interest in the policy benefits, either directly as a named beneficiary or indirectly as a beneficiary or owner of a trust or other entity? Yes No If Yes, provide details:

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![](ord_96200-2025xnyx0126005.jpg)

5 (CONTINUED) ORD 96200-2025 NEW YORK 01/2026 G. GENERAL INFORMATION (CONTINUED) H. SPECIAL REQUESTS 7. Give complete details of any "Yes" answers for questions 4 – 6, including question number and appropriate details: Question # Details

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![](ord_96200-2025xnyx0126006.jpg)

6ORD 96200-2025 NEW YORK D. MEDICAL INFORMATION 1. Has a licensed member of the medical profession ever treated you for or diagnosed you with: a. high blood pressure, chest pain, a heart attack, coronary artery disease, a heart valve disorder, a heart murmur, an irregular heart beat, cerebrovascular disease, a stroke, circulatory disease, an aneurysm or any disease of the heart or blood vessels? b. anemia or other abnormality of the blood (other than HIV)? c. a polyp, cyst, tumor, cancer, leukemia, melanoma, lymphoma or Hodgkin's disease? d. diabetes, high blood sugar, glucose intolerance or other endocrine disorder? e. anxiety, depression, or any other mental or psychiatric illness? f. Acquired Immune Deficiency Syndrome (AIDS)? g. any sexually transmitted disease? h. asthma, emphysema, cystic fibrosis, sleep apnea, sarcoidosis, tuberculosis or any other disorder of the lungs or respiratory system? i. a seizure, epilepsy, multiple sclerosis, Parkinson's disease, muscular dystrophy, cerebral palsy, paralysis, Alzheimer's disease or any other disorder of the brain or nervous system? j. an ulcer, hepatitis, cirrhosis, pancreatitis, ulcerative colitis, Crohn's disease or any other disorder of the esophagus, liver, stomach or intestines? NoYes NoYes NoYes NoYes NoYes NoYes NoYes NoYes NoYes NoYes 01/2026 C. FAMILY HISTORY 1. Have any immediate family members (mother, father, brother, sister) been diagnosed with or died from coronary artery disease, cerebrovascular disease, diabetes or cancer before age 70? If Yes, provide details including which member and medical condition, age at diagnosis, and age at death (if applicable): Yes No 2. Father: Current age or Age at death: Mother: Current age or Age at death: PART 2 A. PERSONAL PHYSICIAN INFORMATION Name Address: Street Suite City State ZIP Telephone number: Date last seen: Reason last seen: If more than one personal physician, provide details in section D number 6. B. PHYSICAL MEASUREMENTS 1. Height: feet inches Weight: pounds 2. Within the last 12 months, have you had a change of weight (gain or loss) of more than 10 pounds? Yes No If Yes, provide details:

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![](ord_96200-2025xnyx0126007.jpg)

7 D. MEDICAL INFORMATION (CONTINUED) ORD 96200-2025 NEW YORK 6. Give complete details of any "Yes" answers for questions 1-5, including: Question number, diagnosis, date of onset and recovery, medication/treatment prescribed and the name, address and telephone number of all attending physicians and hospitals. Question # Diagnosis Date of Onset Date of Recovery Medication/ Treatment Prescribed Physician/Hospital Name, Address & Phone Number For additional medical details, use Overflow Details Supplement (ORD 96200OD-2010 NEW YORK). This Part 2 will be attached to and made a part of the policy when issued. k. nephritis, polycystic kidney disease or any other disorder of the bladder, kidney, urinary tract or prostate? l. arthritis, gout, back trouble, or any disease or disorder of the joints, muscles or bones? m. lupus, rheumatoid arthritis, chronic fatigue syndrome, fibromyalgia, or any other disease or disorder of the autoimmune system? 2. Have you ever used: a. cocaine, crack, marijuana, heroin, Ecstasy, PCP, LSD, methamphetamine, any other hallucinogenic drug or controlled substance? b. amphetamines, barbiturates, sedatives, opiates or methadone, or controlled substance except as prescribed by a physician? 3. Have you had or been advised to have treatment or counseling for alcohol or drug use or been asked to reduce or eliminate their usage? 4. Other than what has already been disclosed, within the past 5 years, have you: a. requested or received disability or compensation benefits? b. been a patient in a hospital or other medical facility, other than for normal childbirth? c. had any other disease, disorder or condition? d. been advised to have surgery, medical tests or diagnostic procedures (other than for HIV)? 5. Are you currently receiving medical treatment or taking any other medication or herbal supplement that has not already been disclosed? NoYes NoYes NoYes NoYes NoYes NoYes NoYes NoYes NoYes NoYes NoYes 01/2026

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![](ord_96200-2025xnyx0126008.jpg)

8 AGREEMENTS SIGNATURES Owner's Tax Certification (check boxes ONLY if applicable): Under penalties of perjury, I certify that the taxpayer identification number (TIN) I have listed on this form is my correct TIN. I further certify that I am a U.S. person (including resident alien), I am not subject to backup withholding under Section 3406(a)(1)(C) of the Internal Revenue Code, and I am not subject to FATCA reporting. I have been notified by the Internal Revenue Service that I am subject to backup withholding due to the underreporting of interest or dividends I am subject to FATCA reporting I am not a U.S. person (including resident alien). You must submit the applicable Form W-8 (BEN, BEN-E, ECI, EXP or IMY). In most cases, Form W-8BEN will be the appropriate form. ORD 96200-2025 By signing this form, I have carefully reviewed the application including all supplements attached to the policy, and I agree to the following: • To the best of my knowledge and belief, the statements in this application are complete, true and correctly recorded. • Except for failure to pay premium, the validity of this policy will not be contested after it has been in force during the insured's lifetime for two years from the date it takes effect. • I confirm that if I have requested the Acceleration of Death Benefits (Living Needs Benefit) rider, I have read the disclosures in the brochure (ORD 87246 NY); and am aware that (1) receipt of accelerated death benefits may affect eligibility for public assistance programs and may be taxable; and (2) a discount is applied to determine any accelerated death benefit payable and a $150 administrative charge will be deducted at the time of payment. • My original signature has been affixed to this application. The original application will be retained by the Company and I will receive a copy identical in form and substance to the original, attached to and will become a part of my policy. • Any policy issued on this application shall not take effect until after all of the following conditions are met: • A payment equal to the full first required premium is received by the Company within the lifetime of the proposed insured. A payment will only be considered to be received if one of the following valid items is received by the Company: (i) a check in the amount of the full first required premium; (ii) a completed and signed payment form for the first full premium; or (iii) any other form of payment acceptable to the Company. • The form of payment submitted is honored. If payment is made by credit/debit card, wire transfer or automatic bank draft, no premium is considered to be honored until the Company actually receives the funds unless otherwise provided by applicable law. • A signed copy of this Application is received by the Company. • To the best of my knowledge and belief, on the date this application was signed, the health of the Proposed Insured is as stated in this application • Only an officer of the Company with the rank or title of Vice President may make or alter any contract or agree not to enforce any of the rights of the Company, and then only in writing. No producer or medical examiner is authorized to accept risks, pass on insurability, make or alter contracts, or waive any of the other rights or requirements of the Company. Notice to or knowledge imputed to any producer or medical examiner will not be notice of or knowledge to the Company unless it is set out in writing in this application. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding. Signed at (STATE) on (DATE) Signature of proposed insured X If policyowner is different from the proposed insured: For a personal policyowner(s): Signature of policyowner(s) X For an entity policyowner(s) (i.e., trust, business): Name of entity Signature of officer/trustee(s) X Title of officer/trustee(s) Signature of producer X NEW YORK 01/2026

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## Ex-99.E

![](ord_96200var-2025xnyx062001.jpg)

1 Variable Supplement Supplementary Declarations Forming a Part of the Application for Insurance Pruco Life Insurance Company of New Jersey The Prudential Insurance Company of America Both are Prudential companies. Policy is issued by the company named at the beginning of this application. PROPOSED INSURED(S): POLICY NUMBER (IF KNOWN): 1. INVESTMENT OPTIONS AND ALLOCATIONS I request that net premium payments be allocated to the investment options selected here. Investment allocations must be made in whole numbers and the total allocation must equal 100%. 2. DOLLAR COST AVERAGING To enroll in Dollar Cost Averaging (DCA), the Request for Dollar Cost Averaging- Enrollment or Change (COMB 98815) form must be completed. Automatic Money Market (AMKT) is required in section 1 to be used for Dollar Cost Averaging (DCA). ORD 96200-2025 Variable NEW YORK A007 3. NO-LAPSE GUARANTEE VUL Protector (2025 version or later) offers the option to elect an additional No-Lapse Guarantee beyond the limited No-Lapse Guarantee provided in the policy. This option comes at an additional cost and is optional. If you select the Extended Plus No-Lapse Guarantee Rider your allocations will be limited. Please see the prospectus to identify which allocation choices are available with this rider. Note: The riders can only be removed and cannot be added or switched after the policy has been issued. Check this box if you would like to select the Extended No-Lapse Guarantee Rider. Investment Option Code Allocation % % % % % % % % % % Investment Option Code Allocation % % % % % % % % % % Total 100% Rev. 06/2025

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![](ord_96200var-2025xnyx062002.jpg)

2 6. SIGNATURE • I acknowledge receipt of the initial summary prospectus for the contract. • The amount or duration of the death benefit may vary under specified conditions. • Policy values may increase or decrease in accordance with the experience of the separate account. ORD 96200-2025 Variable NEW YORK An illustration of benefits, including death benefits, policy values and cash surrender values is available upon request. Signature of Policyowner Signature of Policyowner Signature of Policyowner Signature of Policyowner This form, and the information contained within, is not intended as investment advice and is not a recommendation about managing or investing your retirement savings. Prudential Annuities, Prudential Individual Life, and the Prudential entity(ies) set forth on this form, are not acting as your fiduciary as defined by any applicable laws and regulations. Please consult with your financial professional about managing or investing your retirement savings. X X X X / / / / / / / / 5. AUTOMATIC REBALANCING (OPTIONAL) To enroll in Automatic Rebalancing, the Request for Auto Rebalance (ORD 96819) form must be completed. 4. ALLOCATED CHARGES You may select up to two investment options from which your monthly charges will be deducted. • Percentages selected must be whole numbers (for example, 33¹⁄³ is invalid). The sum of all percentages must equal 100%. • Indexed Accounts/Index Strategies may not be selected. • If you do not specify an allocation of monthly charges or if there is insufficient money in the selected investment options, charges will be deducted from the remaining investment options using the method described in the policy. Investment Option Code Allocation % Investment Option Code Allocation % Total 100% Rev. 06/2025

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## Ex-99.H

Amendment to Participation Agreement

As of June 25, 2021 by and among

Franklin Templeton Variable Insurance Products Trust Franklin/Templeton Distributors, Inc.

Legg Mason Investor Services, LLC Pruco Life Insurance Company

Pruco Life Insurance Company of New Jersey Prudential Insurance Company of America

This Amendment **("Amendment")** to the Participation Agreement by and among Franklin Templeton Variable Insurance Products Trust (the **"Trust"),** Franklin/Templeton Distributors, Inc., a New York Corporation **("FTDI"** and together with the Trust, **"we," "our," or "us"),** and Pruco Life Insurance Company, Pruco Life insurance Company of New Jersey and Prudential Insurance Company of America (each, the **"Company," "you"** or **"your"),** each Company on its own behalf and on behalf of certain of its Accounts, is made as of June 25, 2021, by and among the Trust, FTDI, each Company, and Legg Mason Investor Services, LLC, a registered broker dealer and affiliate of FTDI **("LMIS",** and together with the Trust, FTDI, and each Company, the **"Parties").** Unless otherwise indicated, the terms defined in the Participation Agreement shall have the same meaning in this Amendment.

RECITALS

**WHEREAS,** on July 31, 2020, Franklin Resources, Inc. **("FRI"),** the parent company of FTDI, acquired Legg Mason, Inc., the parent company of LMIS, which resulted in LMIS becoming an indirect wholly owned subsidiary of FRI; and

**WHEREAS,** in connection with an internal reorganization (the **"Reorganization"),** FTDI will be merged into LMIS, as a consequence of which LMIS, as the surviving entity, will assume all of FTDI's rights and obligations under the Participation Agreement by operation of law; and

**WHEREAS,** the Reorganization will take place in two phases, involving (1) a redomestication and change of name transaction, in which FTDI will become a Delaware limited liability company under the name of Franklin Templeton Distributors, LLC **("FTD LLC")** followed by (2) the merger of FTD LLC into LMIS; and

**WHEREAS,** upon the closing of the Reorganization, LMIS will be renamed Franklin Distributors, LLC

("FD LLC"); and

**WHEREAS,** the Participation Agreement currently defines the term "Underwriter" to refer to FTDI.

**NOW THEREFORE,** in consideration of these premises and the terms and conditions set forth herein, the Parties agree as follows: **1.** Underwriter. Upon the closing of the Reorganization, the term Underwriter, as used in the Participation Agreement, shall refer to FD LLC; the terms "we," "our," and "us" shall refer to the Trust together with FD LLC.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Continuation of Participation Agreement. Except as stated in Section 1 of this Amendment with respect to references to the Underwriter, the Participation Agreement, including all representations, warranties, terms, covenants and conditions and all Schedules thereto, shall continue to be in full force and effect.

------

**IN WITNESS WHEREOF,** each of the Parties has caused their duly authorized officer to execute this Amendment.

<u>Franklin Templeton Variable</u> <u>Insurance</u> <u>Products Trust</u>

By:

Name:

Title: Vice President

<u>Franklin/Templeton Distributors, Inc.</u>

By:

Name

Title: President

<u>Legg Mason</u> <u>Investor</u> <u>Services, LLC</u>

By:

Name:

Title: COO, U.S. Distribution

<u>Pruco Life Insurance Company</u>

By:

Name:

Title: Vice President

<u>Pruco Life Insurance Company of New Jersey</u>

------

By:

Name:

Title: Vice President

<u>Prudential Insurance Company of</u> <u>America</u>

By:

Name:

Title: Senior Vice President

## Ex-99.H

Amendment No. 9 to the Amended and Restated Participation Agreement

Franklin Templeton Variable Insurance Products Trust Franklin Distributors, LLC

The Pruco Life Insurance Company

The Pruco Life Insurance Company of New Jersey The Prudential Insurance Company of America Pruco Securities, LLC

Prudential Investment Management Services, LLC Prudential Annuities Distributors, Inc.

Franklin Templeton Variable Insurance Products Trust (the "Trust"), Franklin Distributors, Inc. (the "Underwriter," and together with the Trust, "we," "our," or "us"), The Pruco Life Insurance Company, The Pruco Life Insurance Company of New Jersey and The Prudential Insurance Company of America, your distributors Pruco Securities, LLC, Prudential Investment Management Services, LLC and Prudential Annuities Distributors, Inc., (collectively, the "Company" "you" or "your"), on your behalf and on behalf of certain Accounts, (individually a "Party", collectively, the "Parties") have previously entered into a Participation Agreement dated February 1, 2007, as previously amended on the dates of June 5, 2007; April 23, 2008; May 1, 2008; May 1, 2011; December 21, 2012; May 1, 2013; November 8, 2013; August 1, 2014; October, 20, 2016; June 25, 2021; and, in the Schedule C portfolio update in the Form of Notice Pursuant to Schedule C dated August 1, 2023 (the "Agreement"). The Parties now desire to amend the Agreement by this amendment (the "Amendment").

Except as modified hereby, all other terms and conditions of the Agreement shall remain in full force and effect. Unless otherwise indicated, the terms defined in the Agreement shall have the same meaning in this Amendment.

A M E N D M E N T

For good and valuable consideration, the receipt of which is hereby acknowledged, the Parties agree to amend the Agreement as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.Schedule C of the Agreement is deleted and replaced in its entirety with Schedule C attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.All other terms and provisions of the Agreement not amended herein shall remain in full force and effect.

------

IN WITNESS WHEREOF, each of the Parties has caused its duly authorized officers to execute this Amendment effective as of May 1, 2025.

The Trust: FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST

*Only on behalf of each Portfolio listed on Schedule C of*

*the Agreement.* By:

Name:

Title:

The Underwriter: FRANKLIN DISTRIBUTORS, LLC

By:

Name:

Title:

The Company: THE PRUCO LIFE INSURANCE COMPANY

By:

Name:

Title:

THE PRUCO LIFE INSURANCE COMPANY OF NEW

JERSEY

By:

Name:

Title:

THE PRUDENTIAL INSURANCE COMPANY OF &nbsp;&nbsp;&nbsp;&nbsp;AMERICA

By:

Name:

Title:

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The Distributor(s): PRUCO SECURITIES, LLC

By:

Name:

Title:

PRUDENTIAL INVESTMENT MANAGEMENT SERVICES, LLC

By:

Name:

Title:

PRUDENTIAL ANNUITIES DISTRIBUTORS, INC.

By:

Name:

Title:

------

Schedule C

**Available Portfolios and Classes of Shares of the Trust**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.Franklin Global Real Estate VIP Fund - Class 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.Franklin Income VIP Fund - Class 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.Franklin Rising Dividends VIP Fund - Class 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4.Franklin Small Cap Value VIP Fund - Class 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.Franklin Small-Mid Cap Growth VIP Fund - Class 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6.Franklin Strategic Income VIP Fund - Class 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7.Franklin Allocation VIP Fund - Class 4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8.Franklin U.S. Government Securities VIP Fund - Class 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9.Franklin Mutual Global Discovery VIP Fund - Class 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10.Franklin Mutual Shares VIP Fund - Class 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.Templeton Developing Markets VIP Fund - Class 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.Templeton Foreign VIP Fund - Class 1 and 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.Templeton Global Bond VIP Fund - Class 2

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14.Templeton Growth VIP Fund - Class 2

In addition to portfolios and classes of shares listed above, any additional Portfolios and classes of shares other than Class 3 shares are included in this Schedule C listing provided that:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.the General Counsel of Franklin Templeton receives from a person authorized by you a written notice in the form attached (which may be electronic mail or sent by electronic mail) ("Notice") identifying this Agreement as provided in the Notice and specifying: (i) the names and classes of shares of additional Portfolios that you propose to offer as investment options of the Separate Accounts under the Contracts; and (ii) the date that you propose to begin offering Separate Account interests investing in the additional Portfolios under the Contracts; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a.we do not within ten (10) Business Days following receipt of the Notice send you a writing (which may be electronic mail) objecting to your offering such Separate Accounts investing in the additional Portfolios and classes of shares under the Contracts.

Provided that we do not object as provided above, your Notice shall amend, supplement and become a part of this Schedule C and the Agreement.

## Ex-99.K

**Exhibit 30(k)**

Pruco Life Insurance Company of New Jersey

280 Trumbull Street

Hartford, CT 06103

Ladies and Gentlemen:

In my capacity as Vice President and Corporate Counsel of Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey"), I have reviewed the establishment on January 13, 1984, of Pruco Life of New Jersey Variable Appreciable Account (the "Account") by the Executive Committee of the Board of Directors of Pruco Life of New Jersey as a separate account for assets applicable to certain variable universal life insurance contracts, pursuant to the provisions of Section 17B:28-7 of the Revised Statutes of New Jersey. I am responsible for oversight of the preparation and review of the Registration Statements on Form N-6, as amended, filed by Pruco Life of New Jersey with the Securities and Exchange Commission (Registration Numbers: 002-89780, 333-49334, 333-112809, 333-229277, 333-225954, 333-252986, 333-215543, 333-237296, 333-286564, 333-289933) under the Securities Act of 1933 for the registration of certain variable universal life insurance contracts issued with respect to the Account.

I am of the following opinion:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;&nbsp;&nbsp;&nbsp;Pruco Life of New Jersey was duly organized under the laws of New Jersey and is a validly existing corporation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2)&nbsp;&nbsp;&nbsp;&nbsp;The Account has been duly created and is validly existing as a separate account pursuant to the aforesaid provisions of New Jersey law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3)&nbsp;&nbsp;&nbsp;&nbsp;The portion of the assets held in the Account equal to the reserve and other liabilities for variable benefits under the variable universal life insurance contracts is not chargeable with liabilities arising out of any other business Pruco Life of New Jersey may conduct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(4)&nbsp;&nbsp;&nbsp;&nbsp;The variable universal life insurance contracts are legal and binding obligations of Pruco Life of New Jersey in accordance with their terms.

In arriving at the foregoing opinion, I have made such examination of law and examined such records and other documents as I judged to be necessary or appropriate.

I hereby consent to the filing of this opinion as an exhibit to the Registration Statement.

Very truly yours,

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

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

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| | |
|:---|:---|
| /s/ Christopher J. Madin | 4/9/2026 |
| Christopher J. Madin | Date |
| Vice President and Corporate Counsel | |

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## Ex-99.N

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in this Post-Effective Amendment No. 6 to the Registration Statement on Form N-6 (No. 333-252986) (the "Registration Statement") of our report dated March 6, 2026 relating to the financial statements of Pruco Life Insurance Company of New Jersey and consent to the incorporation by reference in the Registration Statement of our report dated April 9, 2026 relating to the financial statements of each of the subaccounts of Pruco Life of New Jersey Variable Appreciable Account indicated in our report. We also consent to the reference to us under the heading "Experts" in such Registration Statement.

/s/ PricewaterhouseCoopers LLP

New York, New York

April 9, 2026

## 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 23<sup>rd</sup> day of February 2026.

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| |
|:---|
| <u>/s/ Reshma V. Abraham</u><br>Reshma V. Abraham<br>Director and Vice President  |
| <u>/s/ Markus Coombs</u><br>Markus Coombs<br>Director, Chief Financial Officer and Chief Accounting Officer and Vice President |
| <u>/s/ Scott E. Gaul</u><br>Scott E. Gaul<br>Director, President and Chief Executive Officer |
| <u>/s/ Bradley O. Harris</u><br>Bradley O. Harris<br>Director |

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IN WITNESS WHEREOF, I have hereunto set my hand this 3<sup>rd</sup> day of March 2026.

<u>/s/ Salene Hitchcock-Gear</u><br>Salene Hitchcock-Gear<br>Director<br>

IN WITNESS WHEREOF, I have hereunto set my hand this 4<sup>th</sup> day of March 2026.

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

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**<u>Schedule A</u>**.

The Pruco Life of New Jersey Variable Appreciable Account (Reg. No. 811-03974) and flexible premium variable life insurance contracts (Reg. No. 002-89780, Reg. No. 333-94115, Reg. No. 333-49334, Reg. No. 033-57186, Reg. No. 333-85117, Reg. No. 333-100058, Reg. No. 333-117796, Reg. No. 333-112809, Reg. No. 333-158637, Reg. No. 333-205093, Reg. No. 333-215543, Reg. No. 333-225954, Reg. No. 333-237296, Reg. No. 333-229277, Reg. No. 333-252986, 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.

## Ex-99.Q

Exhibit 30 (q)

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**Description of Pruco Life of New Jersey's Issuance, Increases in or Addition of Insurance Benefits,** 

**Transfer and Redemption Procedures for Variable Universal Life Insurance Contracts**

**Pursuant to Rule 6e-3(T)(b)(12)(iii)** 

This document sets forth the administrative procedures that will be followed by Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey", "us", "we", "our") in connection with the issuance of its Variable Universal Life Insurance Contract ("Contract"), the increase in or addition of benefits, the transfer of assets held thereunder, and the redemption by Contract Owners of their interests in said Contracts.

**I.&nbsp;&nbsp;&nbsp;&nbsp;<u>Procedures Relating to Issuance and Purchase of the Contracts and to the Increase in or Addition of Benefits</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.&nbsp;&nbsp;&nbsp;&nbsp;<u>Premium Schedules and Underwriting Standards</u>

This Contract offers flexibility in paying premiums - no premiums are required to be paid by a certain date except for the minimum initial premium required to start the Contract. The minimum initial premium for the Contract, and the charges from the Contract Fund to reflect the cost of insurance, will not be the same for all Contract Owners. Insurance is based on the principle of pooling and distribution of mortality risks, which assumes that each Contract Owner is charged a cost commensurate with the insured's mortality risk as actuarially determined utilizing factors such as age, sex (in most cases), smoking status, health and occupation. Uniform premiums or charges for all insureds would discriminate unfairly in favor of those insureds representing greater risks. However, for a given face amount of insurance, Contracts issued on insureds in a given risk classification will have the same minimum initial premium and charges.

The underwriting standards and premium processing practices followed by Pruco Life of New Jersey are similar to those followed in connection with the offer and sale of fixed-benefit life insurance, modified where necessary to meet the requirements of the federal securities laws.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.&nbsp;&nbsp;&nbsp;&nbsp;<u>Application and Initial Premium Processing</u>

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

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

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

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

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

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

There is one principal variation from the foregoing procedure. If permitted by the insurance laws of the state in which the Contract is issued, the Contract may be backdated up to six months.

In situations where the Contract Date precedes the date that the minimum initial premium is received, charges due prior to the initial premium receipt date will be deducted from the net initial premium.

In general, the invested portion of the minimum initial premium will be placed in the Contract Fund (i.e., as described under Premium Processing below) as of the later of (1) the Contract Date and (2) the date we receive the premium. In no case will the premium be applied with an effective date that precedes the date of this offering.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. <u>Premium Processing</u>

Whenever a premium is received, we will subtract the front-end charges from the initial premium. The remainder of the initial premium and any other net premium received in Good Order at the Payment Office during the 10 day period (or longer if required by state regulation) following the receipt of the Contract will be allocated to the Money Market investment option as of the later of the Contract Date and the end of the valuation period in which it is received. After the 10th day, these funds, adjusted for any investment results, will be transferred out of the Money Market investment option and allocated among the Variable Investment Options and/or the Fixed Rate Option according to the current premium allocation. Premiums other than those received prior to the Contract Date and those described above will be allocated among the Variable Investment Options and/or the Fixed Rate Option according to the current premium allocation (less front-end charges) as of the date received. If the Contract Date or the date the premium is received is not a business day, premiums will be applied as of the next business day.

The Contract has a Right to Cancel Contract provision, which gives Contract Owners the right to cancel the Contract within ten days of its delivery. If the purchase of this Contract is a replacement under state law, this duration will be extended to a period required by such law.

After 10 days, the funds are reallocated in accordance with the Contract Owner's current allocation instructions.

When a claim is submitted under the Chronic Illness Option of the BenefitAccess Rider, the Contract Owner must authorize a transfer of all Contract value from the Variable Investment Options to the Fixed Rate Option. Funds must remain in the Fixed Rate Option while the claim is reviewed and while Benefit Payments are being received. Additional premium payments or loan repayments must also be allocated to the Fixed Rate Option while a claim is reviewed and while Benefit Payments are being received. Fund transfers, dollar cost averaging, and automatic rebalancing will not be allowed while a claim is reviewed and while Benefit Payments are being received.

Premium payments are not allowed for Contracts that are in force under the provisions of the Overloan Protection Rider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. <u>Reinstatement</u>

The Contract may be reinstated within five years after the date of default (this period will be longer if required by state law). The Contract will not be reinstated if it was surrendered for its Cash Surrender Value. A Contract will be reinstated upon our receipt of a written request for reinstatement, production of evidence of insurability satisfactory to Pruco Life of New Jersey and payment after front-end charges of at least (a) an amount required to bring the net cash value to zero on the date the Contract went into default, plus (b) the deductions from the Contract Fund during the grace period following the date of default, plus (c) a premium that we estimate will be sufficient to cover the deductions from the Contract Fund for three Monthly Dates starting on the date of reinstatement.

Pruco Life of New Jersey will treat the amount paid upon reinstatement as a premium. Pruco Life of New Jersey will deduct the front-end charges plus any amount required to bring the net cash value to zero on the date the Contract went into default plus any deductions from the Contract Fund that would have been made during the grace period. The Contract Fund of the reinstated Contract will, immediately upon reinstatement, be equal to the net premium payment plus the part of any surrender charge deducted at the time of default, which would be charged if the Contract were surrendered immediately after reinstatement.

The reinstatement will take effect the date Pruco Life of New Jersey approves the request for reinstatement.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. <u>Repayment of Loan</u>

A loan made under the Contract may be repaid with an amount equal to the monies borrowed plus interest. Interest charged on the loan accrues daily at a fixed annual rate, which depends on whether the loan is a "standard" loan or a

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"preferred" loan. We charge interest on the full loan amount, including all unpaid interest. Interest is due on each Contract Anniversary or when the loan is paid back, whichever comes first. If interest is not paid when due, we will increase the loan amount by any unpaid interest.

A loan is available at any time and is equal to the sum of (1) 99% of the portion of the cash value attributable to the Variable Investment Options and (2) the balance of the cash value provided the Contract is not in default. The effective annual rate that we charge on "standard" loans is 2%.

A "preferred" loan is available starting on the 10th Contract Anniversary. If the insured is living and the Contract is not in default, all new and existing loan amounts will automatically be considered "preferred" loans on and after the 10th Contract Anniversary. The effective annual rate we charge on "preferred" loans is 1.05%.

When a loan is made, an amount equal to the loan proceeds is transferred out of the Variable Investment Options and/or the Fixed Rate Option, as applicable. While a loan is outstanding, the amount that was transferred will continue to be treated as part of the Contract Fund and be credited with interest at an annual rate of 1%. On each Monthly Date, Pruco Life of New Jersey will increase the portion of the Contract Fund in the investment options by interest credits accrued on the loan since the last Monthly date. Pruco Life of New Jersey thus will realize the difference between that rate and the fixed loan interest rate(s), which will be used to cover the loan investment expenses, income taxes, if any, and processing costs. The net interest rate spread of a "standard" loan is 1%. The net interest rate spread of a "preferred" loan is 0.05%.

Upon repayment of Contract debt, we will increase the portion of the Contract Fund in the investment options by the amount of the loan the Contract Owner pays, plus interest credits accrued on the loan since the last transaction date. We will use the investment options designated by the Contract Owner or the investment allocation for future premium payments as of the loan payment date. We reserve the right to change the manner in which we allocate loan repayments.

Loan repayments are required when exercising either option of the BenefitAccess Rider. If there is an outstanding loan on the Contract, a portion of each Benefit Payment will be used to reduce the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F.&nbsp;&nbsp;&nbsp;&nbsp;<u>Addition of Insurance Benefits</u>

After issue, Pruco Life of New Jersey does not permit Contract Owners to add to the existing Basic Insurance Amount. Certain riders may be added in a way similar to our new business procedures outlined above and as indicated in the prospectus.

**II. &nbsp;&nbsp;&nbsp;&nbsp;<u>Transfers</u>**

The Pruco Life of New Jersey Variable Appreciable Account (the "Account") has Variable Investment Options, each of which is invested in shares of a corresponding portfolio of the Funds. The Funds are registered under the 1940 Act as open-end diversified management investment companies. In addition, a Fixed Rate Option is available.

Provided the Contract is not in default, the Contract Owner may, up to 12 times in each Contract year, transfer amounts among the Variable Investment Options or to the Fixed Rate Option without charge. Once the limit has been reached, additional transfers may be made only with our consent. Currently, we allow additional transfers.

We may charge an administrative transaction fee of up to $25 for each transfer made exceeding 12 in any Contract year. Currently, no transaction fee is charged in connection with a transfer, but we reserve the right to make such a charge. All or a portion of the amount credited to a variable investment option may be transferred. Transfers out of the Fixed Rate Option are subject to strict limits as described later in this section. Transfers will not be made until 10 days after receipt of the Contract.

After 20 transfers in a calendar year, we will accept subsequent transfer requests only if they are in a form that meets our needs, bear an original signature in ink, and are sent to us by U.S. regular mail.

After 20 transfers in a calendar year, we will reject any subsequent transfer request made by telephone, fax, or electronic means, even in the event that it is inadvertently processed.

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

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

In addition, we may restrict the number, timing, and amount of transfers in accordance with our rules if we find the transfer activity to be disruptive to the variable investment option or to the disadvantage of other Contract Owners. We may

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prohibit transfer requests made by an individual acting under a power of attorney on behalf of more than one Contract Owner. However, due to the discretion involved in any decision to exercise our right to restrict transfers, it is possible that some Contract Owners may be able to effect transactions that could affect Fund performance to the disadvantage of other Contract Owners.

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

Only one transfer from the Fixed Rate Option will be permitted during each Contract Year. The maximum amount, which may be transferred out of the Fixed Rate Option each year, is the greatest of: (a) 25% of the amount in the Fixed Rate Option; (b) $5,000; and (c) the amount transferred from the Fixed Rate Option to the Variable Investment Options in the prior Contract Year (if applicable). These limits are subject to change in the future. We may waive these restrictions for limited periods of time in a non-discriminatory way.

When a claim is submitted under the Chronic Illness Option of the BenefitAccess Rider, the Contract Owner must authorize a transfer of all value from the Variable Investment Options to the Fixed Rate Option. Funds must remain in the Fixed Rate Option while the claim is reviewed and while Benefit Payments are being received. Additional premium payments or loan repayments must also be allocated to the Fixed Rate Option while a claim is reviewed and while Benefit Payments are being received. Fund transfers, dollar cost averaging, and automatic rebalancing will not be allowed.

When the Overloan Protection Rider is exercised, funds must be transferred out of the Variable Investment Options and into the Fixed Rate Option where they must remain. Any loan repayments must also be allocated to the Fixed Rate Option. Fund transfers, dollar cost averaging, and automatic rebalancing will not be allowed.

**III.&nbsp;&nbsp;&nbsp;&nbsp;<u>Redemption Procedures: Surrender and Related Transactions</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A.&nbsp;&nbsp;&nbsp;&nbsp;<u>Surrender for Cash Surrender Value</u> 

The Contract Owner may surrender the Contract at any time for its Cash Surrender Value (referred to as net cash value in the Contract) while the insured is living. To surrender a Contract, Pruco Life of New Jersey may require the Contract Owner to deliver or mail the following items in Good Order to a Service Office; the Contract, a signed request for surrender, and any tax withholding information required under federal or state law. Generally, Pruco Life of New Jersey will pay the Contract's Cash Surrender Value within seven days after all the documents required for such payment are received in Good Order at a Service Office. Surrender of a Contract may have tax consequences.

Pruco Life of New Jersey reserves the right to postpone paying that part of the cash surrender value that is to come from any variable investment option (provided by a separate account registered under the Investment Company Act of 1940) if: (1) the New York Stock Exchange is closed; or (2) the Securities and Exchange Commission ("SEC") requires that trading be restricted or declares an emergency. The payment of any Cash Surrender Value attributable to the Fixed Rate Option may be delayed up to six months. If we do so for more than 10 days, Pruco Life of New Jersey will pay interest at the rate no less than 0.5% a year.

The Cash Surrender Value will be determined as of the end of the valuation period in which a surrender request is received in Good Order at a Service Office. The Contract's Cash Surrender Value on any date will be the Contract Fund less any applicable surrender charges (described in the prospectus) and less any Contract Debt. The Contract Fund value changes daily, reflecting: (1) increases or decreases in the value of the Variable Investment Option(s); (2) interest credited on any amounts allocated to the Fixed Rate Option; (3) interest credited on any loan; and (4) the daily asset charge for mortality and expense risks assessed against the Variable Investment Options.

In lieu of the payment of the Cash Surrender Value in a single sum upon surrender of a Contract, an election may be made by the Contract Owner to apply all or a portion of the proceeds under one of the fixed benefit settlement options described in the Contract. The fixed benefit settlement options are subject to the restrictions and limitations set forth in the Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B.&nbsp;&nbsp;&nbsp;&nbsp;<u>Withdrawals from the Contract Fund</u>

The Contract Owner may withdraw a portion of the Contract's cash surrender value without surrendering the Contract subject to the following restrictions: (1) Pruco Life of New Jersey must receive a request for the withdrawal in a form that meets our needs; (2) the Cash Surrender Value after withdrawal may not be less than or equal to zero after deducting (a) any charges associated with the withdrawal and (b) an amount Pruco Life of New Jersey estimates will be sufficient to cover the Contract Fund deductions for two monthly dates following the date of withdrawal; (3) the Contract Owner does

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not withdraw less than the minimum amount shown under Contract Limitations; and (4) the Basic Insurance Amount after withdrawals must be at least equal to the minimum Basic Insurance Amount shown under Contract Limitations.

There may be a transaction fee for each withdrawal of $25. Currently no fee is charged for a withdrawal. A withdrawal may not be repaid except as a premium subject to the applicable charges.

Whenever a withdrawal is made, the Death Benefit payable will immediately be reduced by at least the amount of the withdrawal. This will not change the Basic Insurance Amount (minimum face amount specified in the Contract) under a Type B (variable) Contract. However, under a Type A (fixed) Contract, the withdrawal may require a reduction in the Basic Insurance Amount. If a decrease in Basic Insurance Amount reduces coverage to below the surrender charge threshold, a surrender charge may be deducted. No withdrawal will be permitted under a Type A (fixed) Contract if it would result in a Basic Insurance Amount less than the minimum Basic Insurance Amount.

The Contract Fund is reduced by the sum of the cash withdrawn, any surrender charge resulting from the withdrawal, and any fee for the withdrawal. An amount equal to the reduction in the Contract Fund will be withdrawn from the investment options.

Generally, we will pay any withdrawal amount within seven days after all the documents required for such payment, are received in Good Order at a Service Office.

Withdrawals are not allowed for Contracts that are in force under the provisions of the Overloan Protection Rider or are receiving Benefit Payments under the Chronic Illness Option of the BenefitAccess Rider.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. <u>Death Claims</u>

Pruco Life of New Jersey will pay a Death Benefit to the beneficiary at the insured's death if the Contract is in force at the time of that death. The proceeds will be paid within seven days after receipt at Pruco Life of New Jersey's Service Office of proof of death of the insured and all other requirements necessary to make payment. State insurance laws impose various requirements, such as receipt of a tax waiver, before payment of the Death Benefit may be made.

Pruco Life of New Jersey reserves the right to postpone payment of that part of the proceeds that is to come from any Variable Investment Option (provided by a separate account registered under the Investment Company Act of 1940) if: (1) the New York Stock Exchange is closed; or (2) the SEC requires that trading be restricted or declares an emergency.

In addition, payment of the Death Benefit is subject to the provisions of the Contract regarding suicide and incontestability. In the event Pruco Life of New Jersey should contest the validity of a death claim, an amount up to the portion of the Contract Fund in the Variable Investment Options will be withdrawn, if appropriate, and held in Pruco Life of New Jersey's general account.

If the Contract is not in default, the amount Pruco Life of New Jersey will pay will be the Death Benefit determined as of the date of the insured's death reduced by any Contract Debt.

If the Contract is in default and the insured's death occurs during its days of grace, Pruco Life of New Jersey will pay the Death Benefit reduced by any Contract Debt and the amount needed to pay charges through the date of death.

No Death Benefit is payable if the insured's death occurs past the grace period.

On any date, the Death Benefit under a Type A (fixed) Contract is equal to the greater of: (1) the Basic Insurance Amount, and (2) the Contract Fund before deduction of any monthly charges due on that date, multiplied by attained age factors. These factors vary by the insured's attained age and are shown in the Contract.

On any date, the Death Benefit under a Type B (variable) Contract is equal to the greater of: (1) the Basic Insurance Amount plus the Contract Fund before deduction of any monthly charges due on that date, and (2) the Contract Fund before deduction of any monthly charges due on that date, multiplied by attained age factors. These factors vary by the insured's attained age and are shown in the Contract. For the purposes of this calculation, the Contract Fund will be considered to be zero if it is less than zero.

There may be an additional benefit payable from an endorsement or rider added to the Contract.

The proceeds payable on death also will generally include interest (at a rate determined by Pruco Life of New Jersey) from the date of death until the date of payment. However, state insurance laws may impose additional or different requirements.

Pruco Life of New Jersey will make payment of the Death Benefit out of its general account, and will transfer assets, if appropriate, from the Account to the general account in an amount up to the Contract Fund.

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In lieu of payment of the Death Benefit in a single lump sum check, an election may be made to apply all or a portion of the proceeds under one of the fixed benefit settlement options described in the Contract or, with the approval of Pruco Life of New Jersey, a combination of options. The election of any available settlement option may be made by the Contract Owner during the insured's lifetime, or, at death, by the beneficiary. A Death Benefit option in effect at death may not be changed to another form of Death Benefit after death. The fixed benefit settlement options are subject to the restrictions and limitations set forth in the Contract.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. <u>Default and Options on Lapse</u>

The Contract is issued with a limited guarantee against lapse. The Limited No-Lapse Guarantee is effective the first five years of the Contract and provides that the Contract will not go into default, regardless of investment results, as long as the amount of premiums paid, less withdrawals, equals or exceeds the Limited No-Lapse Guarantee Value. The Contract can go into default if on any Monthly Date the net accumulated premiums do not meet or exceed the Limited No-Lapse Guarantee Value referenced in the Contract, or the Contract has excess Contract Debt.

Beginning in the sixth Contract year, the Contract can go into default if on any Monthly Date the No-Lapse Guarantee Value is equal to or less than zero under the Lapse Protection Rider. The Lapse protection will hold if the Contract has no Contract Debt and if the No-Lapse Guarantee Value referenced in the Contract is greater than zero. For Contracts generally applied for on or after October 18, 2021, this rider ends on the Contract Anniversary on or following the insured's 91st birthday.

Monthly Dates occur on the Contract Date and in each later month on the same day of the month as the Contract Date.

The Contract provides for a grace period extending 61 days after the mailing date of the notice of default. The insurance coverage continues in force during the grace period, but if the insured dies during the grace period, any charges due up to the date of death are deducted from the amount payable to the beneficiary.

During any period in which a Contract is in default, the Contract Owner may not change the way in which subsequent premiums are allocated or increase the amount of insurance by increasing the Basic Insurance Amount of the Contract (if applicable).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. <u>Loans</u>

The Contract Owner may take out a loan at any time a loan value is available providing: (1) the Contract is assigned to Pruco Life of New Jersey as the only security for the loan, (2) the insured is living, (3) the Contract is not in default, and (4) the resulting Contract Debt is not more than the loan value (99% of the portion of the cash value attributable to the Variable Investment Options and 100% of the balance of the cash value).

The investment options will be debited in the amount of the loan on the date the loan is approved. The percentage of the loan withdrawn from each investment option will normally be equal to the percentage of the loanable value of such assets held in the investment option unless otherwise requested and Pruco Life of New Jersey agreed. A Contract Owner may borrow up to the Contract's full loan value. The loan provision is described in the Contract and in the prospectus.

A loan does not affect charges. When a loan is made, the Contract Fund is not reduced, but the value of the assets relating to the Contract held in the investment option(s) is reduced. Accordingly, the daily changes in the Cash Surrender Value will be different from what they would have been had no loan been taken. Cash Surrender Values, and possibly Death Benefits, are thus permanently affected by any Contract Debt, whether or not repaid.

On settlement, the amount of any Contract Debt is subtracted from the insurance proceeds. A loan will not cause the Contract to lapse as long as Contract Debt does not equal or exceed the Contract Fund, less any applicable surrender charges. If Contract Debt ever becomes equal to or more than the cash value, all the Contract's benefits will end 61 days after notice is mailed to the Contract Owner and any known assignee (when required by law), unless payment of an amount sufficient to end the default is made within that period.

However, the Contract may also remain in force by exercising the optional Overloan Protection Rider that prevents lapse due to excessive Contract Debt beyond the later of the insured's attained age 75 and the 15th Contract Anniversary.

Loan repayments are required and deducted from the accelerated Death Benefit Payment when exercising either option of the BenefitAccess Rider.

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