0001021330 2025-12-31 2025-12-31 pure iso4217:USD PRUCO LIFE OF NEW JERSEY FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT <table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td colspan="2" style="padding: 3pt; border: Black 1pt solid; font: 12pt Times New Roman, Times, Serif; text-align: center">Important Information You Should Consider About the Contract</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td colspan="2" style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; font: 12pt Times New Roman, Times, Serif; text-align: center">Fees, Expenses, and Adjustments</td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-left: Black 1pt solid; font: 12pt Times New Roman, Times, Serif; width: 22%">Are There Ongoing Fees and Expenses?</td> <td style="padding: 3pt; border-right: Black 1pt solid; font: 12pt Times New Roman, Times, Serif; width: 78%">Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options and optional benefits you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any Advisory Fees paid to third party financial professionals from your Account Value or other assets. If such Advisory Fees were reflected, the fees and expenses disclosed below would be higher.</td></tr> </table><table cellpadding="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td rowspan="5" style="padding-top: 3pt; width: 22%; border: Black 1pt solid; padding-right: 3pt; padding-left: 3pt"> </td> <td style="padding-top: 3pt; width: 32%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #E5E5E5; padding-right: 3pt; padding-left: 3pt">Annual Fee</td> <td style="padding-top: 3pt; width: 22%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #E5E5E5; padding-right: 3pt; padding-left: 3pt; text-align: center">Minimum</td> <td style="padding-top: 3pt; width: 24%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #E5E5E5; padding-right: 3pt; padding-left: 3pt; text-align: center">Maximum</td></tr> <tr> <td style="padding-top: 3pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt">Base Contract Fees</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">0.250%*</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">0.416%*</td></tr> <tr> <td style="padding-top: 3pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt">Portfolio Company fees and expenses1</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">0.28%</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">1.13%</td></tr> <tr> <td style="padding-top: 3pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt">Optional benefits available for an additional charge (for a single optional benefit, if elected)</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">0.10%*</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">0.10%*</td></tr> <tr style="vertical-align: top"> <td colspan="3" style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt"> *Charge based on a percentage of the net assets allocated to the Variable Options. 1. Charge based on a percentage of net assets allocated to the Variable Options. We assess a Fund Access Charge on Account Value invested in certain Variable Options. The maximum Fund Access Charge associated with each Variable Option is included when determining the minimum and maximum Portfolio fees and expenses in the table. Please refer to the “Charges and Adjustments” section and “Appendix A” for further information. Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add negative Market Value Adjustments that substantially increase costs.</td></tr> </table><table cellpadding="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td rowspan="3" style="padding: 3pt; width: 22%; border: Black 1pt solid"> </td> <td style="padding: 3pt; width: 32%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #D9D9D9; text-align: center">Lowest Annual Cost $707</td> <td style="padding: 3pt; width: 22%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #D9D9D9; text-align: center">Highest Annual Cost $1,668</td> <td style="padding: 3pt; width: 24%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> </td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Assumes: •   Investment of $100,000 •   5% annual appreciation •   Least expensive Portfolio fees and expenses •   No optional benefits •   No sales charges or Advisory Fees •   No additional Purchase Payments, transfers or withdrawals</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Assumes: •   Investment of $100,000 •   5% annual appreciation •   Most expensive combination of optional benefits and Portfolio fees and expenses •   No sales charges or Advisory Fees •   No additional Purchase Payments, transfers or withdrawals</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> </td></tr> <tr style="vertical-align: top"> <td colspan="3" style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">For more information on ongoing fees and expenses, please refer to the “Fee Table” and “Charges and Adjustments” section of this prospectus.</td></tr> </table> Are There Ongoing Fees and Expenses?Yes. The table below describes the fees and expenses that you may pay each year, depending on the Investment Options and optional benefits you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any Advisory Fees paid to third party financial professionals from your Account Value or other assets. If such Advisory Fees were reflected, the fees and expenses disclosed below would be higher.<table cellpadding="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td rowspan="5" style="padding-top: 3pt; width: 22%; border: Black 1pt solid; padding-right: 3pt; padding-left: 3pt"> </td> <td style="padding-top: 3pt; width: 32%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #E5E5E5; padding-right: 3pt; padding-left: 3pt">Annual Fee</td> <td style="padding-top: 3pt; width: 22%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #E5E5E5; padding-right: 3pt; padding-left: 3pt; text-align: center">Minimum</td> <td style="padding-top: 3pt; width: 24%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #E5E5E5; padding-right: 3pt; padding-left: 3pt; text-align: center">Maximum</td></tr> <tr> <td style="padding-top: 3pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt">Base Contract Fees</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">0.250%*</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">0.416%*</td></tr> <tr> <td style="padding-top: 3pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt">Portfolio Company fees and expenses1</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">0.28%</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">1.13%</td></tr> <tr> <td style="padding-top: 3pt; vertical-align: top; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt">Optional benefits available for an additional charge (for a single optional benefit, if elected)</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">0.10%*</td> <td style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt; text-align: center">0.10%*</td></tr> <tr style="vertical-align: top"> <td colspan="3" style="padding-top: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 3pt; padding-left: 3pt"> *Charge based on a percentage of the net assets allocated to the Variable Options. 1. Charge based on a percentage of net assets allocated to the Variable Options. We assess a Fund Access Charge on Account Value invested in certain Variable Options. The maximum Fund Access Charge associated with each Variable Option is included when determining the minimum and maximum Portfolio fees and expenses in the table. Please refer to the “Charges and Adjustments” section and “Appendix A” for further information. Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add negative Market Value Adjustments that substantially increase costs.</td></tr> </table><table cellpadding="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td rowspan="3" style="padding: 3pt; width: 22%; border: Black 1pt solid"> </td> <td style="padding: 3pt; width: 32%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #D9D9D9; text-align: center">Lowest Annual Cost $707</td> <td style="padding: 3pt; width: 22%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #D9D9D9; text-align: center">Highest Annual Cost $1,668</td> <td style="padding: 3pt; width: 24%; border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> </td></tr> <tr style="vertical-align: top"> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Assumes: •   Investment of $100,000 •   5% annual appreciation •   Least expensive Portfolio fees and expenses •   No optional benefits •   No sales charges or Advisory Fees •   No additional Purchase Payments, transfers or withdrawals</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Assumes: •   Investment of $100,000 •   5% annual appreciation •   Most expensive combination of optional benefits and Portfolio fees and expenses •   No sales charges or Advisory Fees •   No additional Purchase Payments, transfers or withdrawals</td> <td style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> </td></tr> <tr style="vertical-align: top"> <td colspan="3" style="padding: 3pt; border-right: Black 1pt solid; border-bottom: Black 1pt solid">For more information on ongoing fees and expenses, please refer to the “Fee Table” and “Charges and Adjustments” section of this prospectus.</td></tr> </table> 0.0025 0.00416 0.0028 0.0113 0.001 0.001 Charge based on a percentage of the net assets allocated to the Variable Options. Charge based on a percentage of net assets allocated to the Variable Options. We assess a Fund Access Charge on Account Value invested in certain Variable Options. The maximum Fund Access Charge associated with each Variable Option is included when determining the minimum and maximum Portfolio fees and expenses in the table. Please refer to the “Charges and Adjustments” section and “Appendix A” for further information. 707 1668 N-4 N-4 0001021330 false 2025-12-31 *Charge based on a percentage of the net assets allocated to the Variable Options. Charge based on a percentage of net assets allocated to the Variable Options. We assess a Fund Access Charge on Account Value invested in certain Variable Options. The maximum Fund Access Charge associated with each Variable Option is included when determining the minimum and maximum Portfolio fees and expenses in the table. Please refer to the “Charges and Adjustments” section and “Appendix A” for further information.