# EDGAR Filing Document

**Accession Number:** 0000740870
**File Stem:** 0000740870-26-000015
**Filing Date:** 2026-4
**Character Count:** 33689
**Document Hash:** 4b0362a2400f5934669aaabde10a2f02
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000740870-26-000015.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0000740870-26-000015

**CONFORMED SUBMISSION TYPE**: 497VPU

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**EFFECTIVENESS DATE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** PRUCO LIFE VARIABLE APPRECIABLE ACCOUNT
- **CENTRAL INDEX KEY:** 0000740870

**ORGANIZATION NAME:**
- **EIN:** 221944557
- **STATE OF INCORPORATION:** AZ
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-252984
- **FILM NUMBER:** 26920471

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

**MAIL ADDRESS:**
- **STREET 1:** PRUCO LIFE INSURANCE COMPANY
- **STREET 2:** 213 WASHINGTON STREET
- **CITY:** NEWARK
- **STATE:** NJ
- **ZIP:** 07102

## Series and Classes Contracts Data

### PRUCO LIFE VARIABLE APPRECIABLE ACCOUNT (Series ID: S000000654)

| Class ID   | Class Name                         | Ticker Symbol   |
|:---|:---|:---|
| C000227046 | Pruco Life Variable Universal Life |  |

***Variable Universal Life***

AN INDIVIDUAL, FLEXIBLE PREMIUM, VARIABLE UNIVERSAL LIFE INSURANCE CONTRACT

*Issued by*

**Pruco Life Insurance Company**

*With Variable Investment Options offered in connection with its*

**Pruco Life Variable Appreciable Account**

**Updating Summary Prospectus**

**May 1, 2026**

This summary prospectus summarizes certain aspects of the Contract. The prospectus contains more information about the Contract, including its features, benefits, and risks. You can find the current prospectus and other information about the Contract online at www.Prudential.com/eProspectus. You can also obtain this information at no cost by calling 800-778-2255 or contacting your Pruco Life representative.

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.

In compliance with U.S. law, Pruco Life 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 Contract Owners while outside of the United States.

    

**Table Of Contents**

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|:---|:---|
| | **Page** |
| **IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** | **[1](#ided6c9f688f94499af72b45720f0eb24_10)** |
| **APPENDIX A: Funds Available Under the Contract** | **[3](#ided6c9f688f94499af72b45720f0eb24_13)** |
| **GLOSSARY: Definitions Of Special Terms Used In This Summary Prospectus** | **[5](#ided6c9f688f94499af72b45720f0eb24_16)** |

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**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 10 Contract Years, you will be assessed a surrender charge. The surrender charge consists of two parts: 1) a contingent deferred sales charge and 2) an administrative surrender charge. The contingent deferred sales charge varies by issue age and ranges from 13% to 26%, which is applied to the lesser of the target level premium and the actual premiums paid for the Contract. The contingent deferred administrative charge is the lesser of (a) $5 per $1,000 of Basic Insurance Amount; and (b) $500. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $4,630.97. The surrender charge applies to surrenders, lapses, and reductions in Basic Insurance Amount. For more information on early withdrawal charges, please refer to the **Surrender Charge** subsection of the prospectus.  | If you withdraw money from the Contract within the first 10 Contract Years, you will be assessed a surrender charge. The surrender charge consists of two parts: 1) a contingent deferred sales charge and 2) an administrative surrender charge. The contingent deferred sales charge varies by issue age and ranges from 13% to 26%, which is applied to the lesser of the target level premium and the actual premiums paid for the Contract. The contingent deferred administrative charge is the lesser of (a) $5 per $1,000 of Basic Insurance Amount; and (b) $500. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $4,630.97. The surrender charge applies to surrenders, lapses, and reductions in Basic Insurance Amount. For more information on early withdrawal charges, please refer to the **Surrender Charge** subsection of the prospectus.  | If you withdraw money from the Contract within the first 10 Contract Years, you will be assessed a surrender charge. The surrender charge consists of two parts: 1) a contingent deferred sales charge and 2) an administrative surrender charge. The contingent deferred sales charge varies by issue age and ranges from 13% to 26%, which is applied to the lesser of the target level premium and the actual premiums paid for the Contract. The contingent deferred administrative charge is the lesser of (a) $5 per $1,000 of Basic Insurance Amount; and (b) $500. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $4,630.97. The surrender charge applies to surrenders, lapses, and reductions in Basic Insurance Amount. For more information on early withdrawal charges, please refer to the **Surrender Charge** subsection of the prospectus.  |
| **Transaction Charges** | In addition to a surrender charge, you may also be charged for other transactions. Such charges include 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 changes in the Basic Insurance Amount. For more information on transaction charges, please refer to the **FEE TABLE** and **CHARGES AND EXPENSES** sections of the prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include 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 changes in the Basic Insurance Amount. For more information on transaction charges, please refer to the **FEE TABLE** and **CHARGES AND EXPENSES** sections of the prospectus.  | In addition to a surrender charge, you may also be charged for other transactions. Such charges include 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 changes in the Basic Insurance Amount. For more information on transaction charges, please refer to the **FEE TABLE** and **CHARGES AND EXPENSES** sections of the prospectus.  |
| **Ongoing Fees And Expenses**  | In addition to a surrender charge 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 a surrender charge 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 a surrender charge 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% | 1.09% |
| **Ongoing Fees And Expenses**  | For more information on ongoing fees and expenses, please refer to the **FEE TABLE** section of the prospectus and **APPENDIX A**, which is part of the prospectus and included below.  | For more information on ongoing fees and expenses, please refer to the **FEE TABLE** section of the prospectus and **APPENDIX A**, which is part of the prospectus and included below.  | For more information on ongoing fees and expenses, please refer to the **FEE TABLE** section of the prospectus and **APPENDIX A**, which is part of the prospectus and included below.  |
| **RISKS** | **RISKS** | **RISKS** | **RISKS** |
| **Risk Of Loss** | You can lose money by investing in the Contract. For more information please refer to the **SUMMARY OF PRINCIPLE RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. | You can lose money by investing in the Contract. For more information please refer to the **SUMMARY OF PRINCIPLE RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. | You can lose money by investing in the Contract. For more information please refer to the **SUMMARY OF PRINCIPLE RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. |
| **Not a Short-Term Investment** | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. | The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. |
| **Risks Associated With Investment Options** | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **The Funds** subsection of the prospectus. | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **The Funds** subsection of the prospectus. | An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the **The Funds** subsection of the prospectus. |
| **Insurance Company Risks** | An investment in the Contract is subject to the risks related to Pruco Life. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life. More information about Pruco Life, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS** section of the prospectus. | An investment in the Contract is subject to the risks related to Pruco Life. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life. More information about Pruco Life, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS** section of the prospectus. | An investment in the Contract is subject to the risks related to Pruco Life. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life. More information about Pruco Life, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS** section of the prospectus. |
| **Contract Lapse** | Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made. 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. 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. If the Contract has lapsed it may still provide some benefits. For more information please refer to the **LAPSE AND REINSTATEMENT** section of the prospectus. | Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made. 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. 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. If the Contract has lapsed it may still provide some benefits. For more information please refer to the **LAPSE AND REINSTATEMENT** section of the prospectus. | Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made. 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. 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. If the Contract has lapsed it may still provide some benefits. For more information please refer to the **LAPSE AND REINSTATEMENT** section of the prospectus. |

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|:---|:---|
| **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 greater of: (a) 25% of the amount in the Fixed Rate Option; and (b) $2,000. Transfers may generally be made by mail, phone, fax or website. Contracts that are jointly owned or assigned generally cannot conduct transfers by phone, fax or website. We reserve the right to remove or substitute Variable Investment Options. For more information on investment and transfer restrictions, please refer to the **Transfers And Restrictions On Transfers** subsection of the prospectus and **APPENDIX A**.  |
| **Optional Benefits** | As a Contract Owner, you may be able to obtain extra fixed benefits, which may require additional charges. These optional insurance benefits are described in what is known as a "rider" to the Contract. Riders are generally only available at Contract issuance, unless noted otherwise.<br>Some riders may depend on the performance of the Contract Fund. Rider benefits will no longer be available if the Contract lapses. 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. Some riders described in the prospectus may be subject to state variations or may not be available in all states. Please refer to **APPENDIX B**, which is part of the prospectus, for state availability and a description of all material variations to riders and features that differ from the description contained in the prospectus. For more information on optional benefits under the Contract, please refer to the **RIDERS** section of the prospectus.  |
| **TAXES** | **TAXES** |
| **Tax Implications** | You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. There is no additional tax benefit if you purchase the Contract through a tax-qualified plan. Withdrawals may be subject to ordinary income tax and a 10% additional tax. For more information on tax implications relating to Contract investments, please refer to the **TAXES** section of the prospectus. |
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **Investment Professional Compensation** | Investment professionals receive compensation for selling the Contract to investors and may have a financial incentive to offer or recommend the Contract over another investment. Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration ("firms"). The individual representative will receive all or a portion of the compensation, depending on the practice of the firm. For more information on investment professional compensation, please refer to the **DISTRIBUTION AND COMPENSATION** section and the **Commissions Paid To Broker-Dealers** subsection of the prospectus.  |
| **Exchanges** | Some investment professionals may have a financial incentive to offer you a contract in place of the one you already own. You should only exchange your existing life insurance contract if you determine after comparing the features, fees, and risks of both contracts, that it is preferable to purchase the contract, rather than continue to own your existing contract. For more information on exchanges, please refer to the paragraph titled **Replacement Of a Contract** in the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. |

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**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** |
| 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 | A**ST J.P. Morgan Conservative Multi-Asset Portfolio** - PGIM Investments LLC; AST Investment Services, Inc. / *J.P. Morgan Investment Management Inc.* | 0.92%^ | 10.37% | 3.31% | 5.19% |
| 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% |
| 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% |
| 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% |
| Small-Cap Growth | **AST Small-Cap Equity Portfolio** - PGIM Investments LLC; AST Investment Services, Inc. / *Boston Partners Global Investors, Inc.; Dimensional Fund Advisors, LP; Driehaus Capital Management LLC.; Hotchkis & Wiley Capital Management, LLC; TimesSquare Capital Management, LLC* | 1.01% | 7.41% | 1.81% | 10.39% |
| Large-Cap Growth | **Janus Henderson Research Portfolio** (Institutional Shares) - Janus Henderson Investors US LLC | 0.82% | 18.39% | 14.11% | 15.88% |
| Mid-Cap Value | **LVIP American Century Value Fund** (Standard Class II) - Lincoln Financial Investments Corporation / *American Century Investment Management, Inc.* | 0.71%^ | 16.02% | 11.65% | 10.23% |
| Large-Cap Growth | **MFS® Growth Series** (Initial Class) - Massachusetts Financial Services Company | 0.73%^ | 12.19% | 11.10% | 15.60% |
| 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% |

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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** |
| 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% |
| 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% |
| Global/International | **T. Rowe Price International Stock Portfolio** - T. Rowe Price Associates, Inc. / T. Rowe Price International Ltd  | 0.95%^ | 18.41% | 3.92% | 7.10% |

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

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

**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.

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

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

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

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

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

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

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

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

**Fixed Rate Option** – An investment option under which interest is accrued daily at a rate that we declare periodically, but not less than an effective annual rate of 1%. Also referred to in the Contract as "fixed investment option."

**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."

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

**Separate Account –** Amounts under the Contract that are allocated to the Funds held by us in a Separate Account called the Pruco Life Variable Universal 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 conducts.

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

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**To Learn More About:**

***Variable Universal Life***

issued by

**Pruco Life Insurance Company**

**213 Washington Street**

**Newark, New Jersey 07102**

We have filed with the Securities and Exchange Commission a prospectus and a statement of additional information ("SAI") dated May 1, 2026, under the Securities Act of 1933, Registration No. 333-252984, that include additional information about the Contract, the company, and Pruco Life Variable Appreciable Account. The prospectus and SAI are incorporated by reference into this summary prospectus. The SEC maintains a website (www.SEC.gov) that contains the ***Variable Universal Life*** prospectus, SAI, material incorporated by reference, and other information about us; copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: PublicInfo@SEC.gov.

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

EDGAR Class/Contract Identifier: C000227046

Investment Company Act of 1940: Registration No. 811-03971

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