# EDGAR Filing Document

**Accession Number:** 0000741313
**File Stem:** 0000741313-26-000044
**Filing Date:** 2026-4
**Character Count:** 40714
**Document Hash:** 97ebbb99e8273b511554090cab17185e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000741313-26-000044.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0000741313-26-000044

**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 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:** 497VPU
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-229277
- **FILM NUMBER:** 26920459

**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   |
|:---|:---|:---|
| C000244918 | Pruco Life of New Jersey PruLife Custom Premier II (2023) |  |

***PruLife® Custom Premier II*** 

AN INDIVIDUAL, FLEXIBLE PREMIUM, VARIABLE UNIVERSAL LIFE INSURANCE CONTRACT

*Issued by*

**Pruco Life Insurance Company of New Jersey**

*With Variable Investment Options offered in connection with its*

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

**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 of New Jersey 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 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 Contract Owners while outside of the United States.

    

**Table Of Contents**

---

| | |
|:---|:---|
| | **Page** |
| **UPDATED INFORMATION ABOUT YOUR CONTRACT** | **[1](#i422879b7575a4014ab84d96c2f126939_13)** |
| **IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT** | **[1](#i422879b7575a4014ab84d96c2f126939_13)** |
| **APPENDIX A: Funds Available Under the Contract** | **[3](#i422879b7575a4014ab84d96c2f126939_16)** |
| **GLOSSARY: Definitions Of Special Terms Used In This Summary Prospectus** | **[7](#i422879b7575a4014ab84d96c2f126939_19)** |

---

------

This page intentionally left blank.

------

**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Updating Summary Prospectus is a summary of certain Contract features that have changed since the prospectus dated May 1, 2025. This may not reflect all of the changes that have occurred since your Contract was issued.

The following are changes since your prospectus dated May 1, 2025:

**Fund Availability**

<u>Fund Name Changes</u>

&nbsp;&nbsp;&nbsp;&nbsp;• On May 1, 2026, the American Funds Insurance Series® International Fund (Class 2) changed its name to the American Funds Insurance Series® EUPAC Fund<sup>TM</sup> (Class 2).

&nbsp;&nbsp;&nbsp;&nbsp;• On May 1, 2026, the TOPS® Aggressive Growth ETF Portfolio (Class 2) changed its name to the TOPS® Aggressive ETF Portfolio (Class 2).

&nbsp;&nbsp;&nbsp;&nbsp;• On May 1, 2026, the TOPS® Growth ETF Portfolio (Class 2) changed its name to the TOPS® Moderately Aggressive ETF Portfolio (Class 2).

&nbsp;&nbsp;&nbsp;&nbsp;• On May 1, 2026, the TOPS® Moderate Growth ETF Portfolio (Class 2) changed its name to the TOPS® Moderate ETF Portfolio (Class 2).

<u>Fund Additions</u>

&nbsp;&nbsp;&nbsp;&nbsp;• On May 1, 2026, the following funds were added as available investment options: Fidelity VIP Bond Index Portfolio (Service Class 2), Fidelity VIP Contrafund Portfolio (Service Class 2), Fidelity VIP Disciplined Small Cap Portfolio (Service Class 2), Fideltiy® VIP Energy Portfolio (Service Class 2), Fidelity® VIP Freedom 2040 PortfolioSM (Service Class 2), Fidelity® VIP Freedom 2055 PortfolioSM (Service Class 2), Fidelity® VIP Freedom 2065 PortfolioSM (Service Class 2), Fidelity® VIP International Index Portfolio (Service Class 2), Fidelity® VIP Mid Cap Portfolio (Service Class 2), Franklin U.S. Government Securities Fund (Class 2), MFS® Emerging Markets Equity Portfolio (Service Class), MFS® Growth Series (Service Class), MFS® Inflation-Adjusted Bond Portfolio (Service Class), MFS® Mid Cap Value Portfolio (Service Class), MFS® Technology Portfolio (Service Class), PSF PGIM Ballast Portfolio (Class I), PSF PGIM Laddered Allocation S&P 500 Buffer 12 Portfolio (Class III), PSF PGIM Laddered Allocation S&P 500 Buffer 20 Portfolio (Class III), Putnam VT International Value Fund (Class IB), Putnam VT Large Cap Value Fund (Class IB), Putnam VT Sustainable Future Fund (Class IB), Putnam VT Sustainable Leaders Fund (Class IB), T. Rowe Price All-Cap Opportunities Portfolio, T. Rowe Price International Stock Portfolio, and T. Rowe Price Moderate Allocation Portfolio.

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

---

| | | | |
|:---|:---|:---|:---|
| **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 may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $0.13 to $36.28 per $1,000 of Basic Insurance Amount. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $3,628. 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 **Surrender Charge** subsection of the prospectus.  | If you withdraw money from the Contract within the first 10 Contract Years, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $0.13 to $36.28 per $1,000 of Basic Insurance Amount. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $3,628. 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 **Surrender Charge** subsection of the prospectus.  | If you withdraw money from the Contract within the first 10 Contract Years, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $0.13 to $36.28 per $1,000 of Basic Insurance Amount. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $3,628. 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 **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 decreases 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 decreases 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 decreases 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 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% | 72.52% |
| **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** |
| **Risk Of Loss** | You can lose money by investing in the Contract. For more information please refer to the **PRINCIPAL RISKS OF INVESTING IN THE CONTRACT** section of the prospectus. |
| **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. |
| **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. |
| **Insurance Company Risks** | An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the **GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY, THE REGISTRANT, AND THE FUNDS** section of the prospectus. |
| **Contract Lapse** | Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made or it remains in force under the No-Lapse Guarantee. The Contract is in default if the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less. The Contract will also be in default if, at any time, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge, unless it remains in force under the Overloan Protection Rider (if applicable). Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Contract to lapse.<br>A Contract that lapses may be reinstated within five years from the date of default upon the completion of certain conditions, including the submission of certain payments sufficient to bring the Contract up to date, plus a premium to cover all charges and deductions for three months from the date of reinstatement. For more information please refer to the **LAPSE AND REINSTATEMENT** section of the prospectus. |
| **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 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**. The availability of investment options may vary depending on the broker-dealer through which the Contract is sold. See **APPENDIX B**, which is part of the prospectus. |
| **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 **OTHER BENEFITS AVAILABLE UNDER THE CONTRACT** section of the prospectus. The availability of a rider may depend on the broker-dealer through which the Contract is sold. See **APPENDIX B** to 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. |

---

**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 availability of the Funds may vary depending on the broker-dealer through which the Contract is sold. See **APPENDIX B** to the prospectus. 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.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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 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 Portfolio** - 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% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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** |
| 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 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% |
| 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% |
| 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% |
| Mid-Cap Blend | **ClearBridge Variable Mid Cap Portfolio** (Class II) - Franklin Templeton Fund Adviser, LLC / *ClearBridge Investments, LLC* | 1.07% | 4.08% | 4.23% | 7.24% |
| Fixed Income | **Fidelity® VIP Bond Index Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.39% | 6.76% | (0.81)% | N.A. |
| Large-Cap Growth | **Fidelity® VIP Contrafund**<sup>SM</sup> **Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.79% | 21.24% | 15.08% | 15.49% |
| Small-Cap Blend | **Fidelity® VIP Disciplined Small Cap Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.57% | 17.09% | 10.09% | 10.31% |
| Large-Cap Value | **Fidelity® VIP Energy Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.85% | 10.34% | 23.86% | 7.69% |
| Asset Allocation | **Fidelity® VIP Freedom 2040 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.82% | 18.44% | 8.73% | 10.59% |
| Asset Allocation | **Fidelity® VIP Freedom 2055 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.85% | 19.53% | 9.16% | N.A. |
| Asset Allocation | **Fidelity® VIP Freedom 2065 Portfolio**<sup>SM</sup> (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers | 0.85% | 19.52% | 9.16% | N.A. |
| Global/International | **Fidelity® VIP International Index Portfolio** (Service Class 2) - Fidelity Management & Research Company LLC (FMR) / *Geode Capital Management, LLC (Geode)* | 0.41% | 32.82% | 7.76% | N.A. |
| 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% |
| Global Real Estate | **Franklin Global Real Estate VIP Fund** (Class 2) - Franklin Advisers, Inc. | 1.25%^ | 7.93% | 2.36% | 3.03% |
| Large-Cap Value | **Franklin Income VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.72% | 12.56% | 7.66% | 7.30% |
| Large-Cap Blend | **Franklin Rising Dividends VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.89% | 11.80% | 9.50% | 12.10% |
| Small-Cap Value | **Franklin Small Cap Value VIP Fund** (Class 2) - Franklin Mutual Advisers, LLC  | 0.91%^ | 7.65% | 8.86% | 9.81% |
| Fixed Income | **Franklin U.S. Government Securities VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.79% | 6.69% | 0.02% | 1.14% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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** |
| Large-Cap Blend | **MFS® Emerging Markets Equity Portfolio** (Service Class) - Massachusetts Financial Services Company | 1.48%^ | 33.35% | 4.11% | 7.65% |
| Large-Cap Growth | **MFS® Growth Series** (Service Class) - Massachusetts Financial Services Company | 0.98%^ | 11.90% | 10.82% | 15.31% |
| Fixed Income | **MFS® Inflation-Adjusted Bond Portfolio** (Service Class) - Massachusetts Financial Services Company | 0.85%^ | 8.17% | (3.35)% | 0.84% |
| Large-Cap Blend | **MFS® Investors Trust Series** (Service Class) - Massachusetts Financial Services Company | 0.99%^ | 13.32% | 11.06% | 12.21% |
| Mid-Cap Blend | **MFS® Mid Cap Value Portfolio** (Service Class) - Massachusetts Financial Services Company | 1.04%^ | 5.75% | 9.90% | 9.69% |
| Small-Cap Growth | **MFS® New Discovery Series** (Service Class) - Massachusetts Financial Services Company | 1.12%^ | 12.56% | (0.54)% | 10.46% |
| Large-Cap Growth | **MFS® Technology Portfolio** (Service Class) - Massachusetts Financial Services Company | 1.07%^ | 16.28% | 12.17% | 18.35% |
| Intermediate Core-Plus Bond | **MFS® Total Return Bond Series** (Service Class) - Massachusetts Financial Services Company | 0.78%^ | 6.94% | (0.09)% | 2.38% |
| Intermediate Core-Plus Bond | **MFS® Total Return Series** (Service Class) - Massachusetts Financial Services Company | 0.86%^ | 10.91% | 6.16% | 7.36% |
| Specialty | **MFS® Utilities Series** (Service Class) - Massachusetts Financial Services Company | 1.03%^ | 14.76% | 7.38% | 9.22% |
| Large-Cap Value | **MFS® Value Series** (Service Class) - Massachusetts Financial Services Company | 0.94%^ | 12.77% | 9.69% | 9.77% |
| 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% |
| Asset Allocation | **PSF PGIM Ballast Portfolio** (Class I) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.70%^ | N.A. | N.A. | N.A. |
| Balanced | **PSF PGIM Flexible Managed Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC* | 0.62% | 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% |
| Large-Cap Core | **PSF PGIM S&P 500 Laddered Allocation Buffer 12 Portfolio** (Class III) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.85%^ | N.A. | N.A. | N.A. |
| Large-Cap Core | **PSF PGIM S&P 500 Laddered Allocation Buffer 20 Portfolio** (Class III) - PGIM Investments LLC / *PGIM Quantitative Solutions LLC* | 0.85%^ | N.A. | N.A. | N.A. |
| Fixed Income | **PSF PGIM Total Return Bond Portfolio** (Class I) - PGIM Investments LLC / *PGIM Fixed Income; PGIM Limited* | 0.43% | 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% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **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** |
| Global/International | **Putnam VT International Value Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc.; Franklin Templeton Investment Management Limited and The Putnam Advisory Company, LLC* | 1.06% | 34.68% | 12.49% | 8.86% |
| Large-Cap Value | **Putnam VT Large Cap Value Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 0.79% | 20.35% | 15.38% | 13.30% |
| Mid-Cap Growth | **Putnam VT Sustainable Future Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 1.05%^ | 2.66% | 1.19% | 9.60% |
| Large-Cap Growth | **Putnam VT Sustainable Leaders Fund** (Class IB) - Putnam Investment Management, LLC / *Franklin Advisers, Inc. and Franklin Templeton Investment Management Limited* | 0.88% | 10.69% | 10.34% | 14.69% |
| Large-Cap Growth | **T. Rowe Price All-Cap Opportunities Portfolio** - T. Rowe Price Associates, Inc.  | 0.80%^ | 16.30% | 12.22% | 16.93% |
| Large-Cap Growth | **T. Rowe Price Blue Chip Growth Portfolio** (Class II) - T. Rowe Price Associates, Inc. | 1.00% | 18.43% | 11.41% | 15.25% |
| Large-Cap Value | **T. Rowe Price Equity Income Portfolio** (Class II) - T. Rowe Price Associates, Inc. | 0.99% | 14.07% | 10.89% | 10.24% |
| Specialty | **T. Rowe Price Health Sciences Portfolio** (Class II) - T. Rowe Price Associates, Inc. | 1.11% | 17.80% | 3.86% | 8.70% |
| 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% |
| Corporate Bond | **T. Rowe Price Limited-Term Bond Portfolio** (Class II) - T. Rowe Price Associates, Inc. / *T. Rowe Price International Ltd and T. Rowe Price Hong Kong Limited* | 0.75%^ | 5.46% | 1.91% | 2.09% |
| Mid-Cap Growth | **T. Rowe Price Mid-Cap Growth Portfolio** (Class II) - T. Rowe Price Associates, Inc. / *T. Rowe Price Investment Management, Inc., T. Rowe Price International Ltd, and T. Rowe Price Hong Kong Limited* | 1.09% | 3.29% | 3.58% | 9.54% |
| Asset Allocation | **T. Rowe Price Moderate Allocation Portfolio** - T. Rowe Price Associates, Inc. / *T. Rowe Price Investment Management, Inc., T. Rowe Price International Ltd, and T. Rowe Price Hong Kong Limited* | 0.85%^ | 14.50% | 5.50% | 7.84% |
| Global/International | **Templeton Global Bond VIP Fund** (Class 2) - Franklin Advisers, Inc. | 0.75%^ | 15.73% | (0.96)% | (0.15)% |
| 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® 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% |
| Intermediate Core-Plus Bond | **Western Asset Core Plus VIT Portfolio** (Class II) - Franklin Templeton Fund Adviser, LLC / *Western Asset Management Company, LLC; Western Asset Management Company Limited; Western Asset Management Company Ltd.; and Western Asset Management Company Pte. Ltd.* | 0.79%^ | 7.69% | (1.67)% | 1.85% |

---

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

------

**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%.

**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."

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

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

**Variable Investment Options** – The investment options of the Pruco Life of New Jersey 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.

------

**To Learn More About:**

***PruLife® Custom Premier II***

issued by

**Pruco Life Insurance Company Of New Jersey**

**213 Washington Street**

**Newark, New Jersey 07102**

We have filed with the Securities and Exchange Commission a prospectus and a statement of additional information ("SAI") dated May 1, 2026, under the Securities Act of 1933, Registration No. 333-229277, that include additional information about the Contract, the company, and Pruco Life Of New Jersey Variable Appreciable Account. The prospectus and SAI are incorporated by reference into this summary prospectus. The SEC maintains a website (www.SEC.gov) that contains the ***PruLife® Custom Premier II®*** 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: C000244918

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

<br>