0000947703 2025-12-31 2025-12-31 0000947703 pfrcf:TransferRiskMember 2025-12-31 2025-12-31 0000947703 pfrcf:RisksOfInvestingInVariableOptionsMember 2025-12-31 2025-12-31 PRUCO LIFE FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT <table cellpadding="0" style="width: 100%; border-collapse: collapse; border-spacing: 0px;"> <tr style="vertical-align: top"> <td style="border: black 1pt solid; width: 17%; font: 12pt Times New Roman, Times, Serif; padding: 2pt"><span style="font-family: Arial, Helvetica, Sans-Serif; font-size: 10pt">Are there any Restrictions on Contract Benefits?</span></td> <td style="border-top: black 1pt solid; width: 83%; border-right: black 1pt solid; border-bottom: black 1pt solid; padding: 2pt"> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><b>Yes.</b></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><b> </b></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">•      We reserve the right to limit the use of the Performance Lock feature for certain Index Strategies.</p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">•      We may discontinue the use of this feature for future Performance Lock requests at any time.</p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0 0 0 18pt; text-indent: -18pt">•      Withdrawals may significantly reduce the Death Benefit, perhaps by more than the amount withdrawn.</p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"><b> </b></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">Certain Contract Benefits may not be available through certain financial intermediaries. <b>See <span style="text-decoration:underline">Appendix F</span>, “Financial Intermediary Variations” and the <span style="text-decoration:underline">Cover Page</span> of this prospectus for additional information</b>.</p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0"> </p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0">For more information on the benefits under the Contract, please refer to the “Benefits Available Under the Contract” and “Performance Lock” sections of this prospectus.</p></td></tr> </table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 18pt">5.</td><td style="text-align: justify"><b><span style="text-decoration:underline">Principal Risks of Investing in the Contract:</span></b></td></tr></table> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">a.</td><td style="text-align: justify">Under the “Transfer Risk” subsection:</td></tr></table> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 36pt"></td><td style="width: 18pt">i.</td><td style="text-align: justify">The last two sentences of the third paragraph are deleted and replaced with the following sentence:</td></tr></table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 6pt 54pt; text-align: justify">“Interim Value Transfers are not permitted after Annuitization.”</p> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 36pt"></td><td style="width: 18pt">ii.</td><td style="text-align: justify">Under the “Availability of Index Strategies will vary over time” paragraph the last sentence is deleted and replaced with the following sentence:</td></tr></table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 54pt; text-align: justify">“No Index Strategy allocation options are available after Annuitization.”</p> <table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 36pt"></td><td style="width: 18pt">iii.</td><td style="text-align: justify">The “Reallocation of Index Strategies” paragraph is deleted and restated as follows:</td></tr></table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 54pt; text-align: justify; color: #231F20">“We will notify you in advance of any Index Anniversary Date. Upon receipt of your instructions in Good Order for reallocation of the Account Value to or from an Index Strategy, we will process the reallocation on the Index Anniversary Date. If we do not receive instructions from you in Good Order prior to the Index Anniversary Date, the Account Value in any Index Strategy that has reached the Index Strategy End Date will automatically be allocated to the same Index Strategy and Index Strategy Term without the Performance Lock. If the same Index Strategy is no longer available, or the Index Strategy Term goes beyond the Maximum Annuity Date, the Account Value in any Index Strategy that has reached the Index Strategy End Date will automatically be allocated to the Holding Account.”</p> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">b.</td><td style="text-align: justify">Under the “Risks of Investing in Variable Options” subsection, the last sentence is restated as follows:</td></tr></table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 36pt; text-align: justify">“<span style="color: #231F20">The Variable Options are not available during the Payout Stage.”</span></p> Under the “Transfer Risk” subsection:<table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 36pt"></td><td style="width: 18pt">i.</td><td style="text-align: justify">The last two sentences of the third paragraph are deleted and replaced with the following sentence:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 6pt 54pt; text-align: justify">“Interim Value Transfers are not permitted after Annuitization.”</p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 36pt"></td><td style="width: 18pt">ii.</td><td style="text-align: justify">Under the “Availability of Index Strategies will vary over time” paragraph the last sentence is deleted and replaced with the following sentence:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 54pt; text-align: justify">“No Index Strategy allocation options are available after Annuitization.”</p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 36pt"></td><td style="width: 18pt">iii.</td><td style="text-align: justify">The “Reallocation of Index Strategies” paragraph is deleted and restated as follows:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 54pt; text-align: justify; color: #231F20">“We will notify you in advance of any Index Anniversary Date. Upon receipt of your instructions in Good Order for reallocation of the Account Value to or from an Index Strategy, we will process the reallocation on the Index Anniversary Date. If we do not receive instructions from you in Good Order prior to the Index Anniversary Date, the Account Value in any Index Strategy that has reached the Index Strategy End Date will automatically be allocated to the same Index Strategy and Index Strategy Term without the Performance Lock. If the same Index Strategy is no longer available, or the Index Strategy Term goes beyond the Maximum Annuity Date, the Account Value in any Index Strategy that has reached the Index Strategy End Date will automatically be allocated to the Holding Account.”</p> Under the “Risks of Investing in Variable Options” subsection, the last sentence is restated as follows:<p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 36pt; text-align: justify">“<span style="color: #231F20">The Variable Options are not available during the Payout Stage.”</span></p> <b><span style="text-decoration:underline">Description Of Insurance Company, Registered Separate Account, And Investment Options:</span></b><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">a.</td><td style="text-align: justify">In the “Investment Options” subsection, under the “Index Strategy Term” subsection, the first and third paragraphs are restated as follows:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 8.55pt; text-align: justify; text-indent: 22.95pt; color: #231F20"><span style="text-decoration:underline">First Paragraph:</span></p><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 36pt; text-align: justify">“The Index Strategy Term is the time period allocated to each Index Strategy. The term begins on the Index Strategy Start Date and ends on the Index Strategy End Date. Index Strategy Terms of 1, 3, and 6 years are available. The Index Strategy Start Date begins on the day you allocate funds to any Index Strategy, known as the Index Effective Date. The annual anniversary of this date is the Index Anniversary Date and will not change for the life of your Contract. You may only allocate to an Index Strategy on an Index Anniversary Date.”</p><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 8.55pt; text-align: justify; text-indent: 22.95pt; color: #231F20"><span style="text-decoration:underline">Third Paragraph:</span></p><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 36pt; text-align: justify">“<b>Amounts must remain in an Index Strategy until the end of its Index Strategy Term to be credited with Index Credit and to avoid a possible Interim Value adjustment, in addition to potential surrender charges and tax consequences.</b> An Interim Value adjustment will apply upon any withdrawal, death benefit payment, transfer, Annuitization or surrender that occurs during an Index Strategy Term other than on the Index Strategy Start Date or Index Strategy End Date. An Interim Value adjustment may be positive, negative or equal to zero. A negative Interim Value adjustment will result in loss. See the “Charges and Adjustments” section of this prospectus for additional information.”</p><table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0pt; margin-bottom: 10pt; border-spacing: 0px;"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">b.</td><td style="text-align: justify">The following is added to the list of securities indices listed under the examples in the “Index Return” subsection:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0 10pt 36pt; text-align: justify"><b>“Dimensional International Equity Focus Index: </b>The Dimensional International Equity Focus Index is a rules-based index that pursues size, value, and profitability premiums within Developed ex US and Canada markets in an integrated and diversified manner, leveraging Dimensional’s decades of experience in applying financial research into robust investment strategies.”</p> Interim Value adjustments will impact your investment in an Index Strategy only when there is a transaction using an Interim Value. 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