<?xml version="1.0" encoding="US-ASCII"?>
<!-- Generated by Broadridge Transform (tm) - http://www.broadridge.com -->
<!-- Created: Fri Jul 24 19:15:14 UTC 2026 -->
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  <roleRef xlink:type="simple" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#N4" roleURI="http://xbrl.sec.gov/vip/role/N4"/>
  <presentationLink xlink:role="http://xbrl.sec.gov/vip/role/N4" xlink:type="extended">
    <loc xlink:type="locator" xlink:label="vip_AllRisksMember" xlink:href="https://xbrl.sec.gov/vip/2026/vip-2026.xsd#vip_AllRisksMember"/>
    <loc xlink:type="locator" xlink:label="RisksOfInvestingInVariableOptionsMember" xlink:href="pfrcf-20251231.xsd#pfrcf_RisksOfInvestingInVariableOptionsMember"/>
    <presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="vip_AllRisksMember" xlink:to="RisksOfInvestingInVariableOptionsMember" order="16.0" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <loc xlink:type="locator" xlink:label="TransferRiskMember" xlink:href="pfrcf-20251231.xsd#pfrcf_TransferRiskMember"/>
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  </presentationLink>
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