0002077810 2025-12-31 2025-12-31 0002077810 vip:NotShortTermInvestmentRiskMember 2025-12-31 2025-12-31 PRUCO LIFE INSURANCE COMPANY <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 6pt 18pt; text-align: justify">Under the “Contract Features” subsection, the third sentence is restated as follows:</p><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 6pt 18pt; text-align: justify">“<span style="color: #231F20">Once Income Withdrawals begin, your Index Strategies are limited to the 1-year Point-to-Point with Cap, 1-year Dual Directional, 1-year Step Rate Plus, and 1-year Enhanced Cap Rate Index Strategies.”</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 6pt 18pt; text-align: justify">In the “Is this a Short-Term Investment?” subsection, the last sentence of the fourth paragraph is restated as follows:</p><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 6pt 18pt; text-align: justify">“During the Income Stage, if the same Index Strategy is no longer available and we have no additional instructions, amounts in the matured Index Strategy will be automatically transferred to the Index Strategy with, in order of priority, the shortest Index Strategy Term, the highest Buffer and the lowest Cap Rate.”</p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0 6pt 18pt; text-align: justify">“During the Income Stage, if the same Index Strategy is no longer available and we have no additional instructions, amounts in the matured Index Strategy will be automatically transferred to the Index Strategy with, in order of priority, the shortest Index Strategy Term, the highest Buffer and the lowest Cap Rate.”</p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 6pt 18pt">Under the “Investment Options” subsection:</p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">a.</td><td style="text-align: justify; padding-right: 0pt">Under the “Index Return” subsection, the sentence immediately preceding the heading “Historical Index Performance” is restated as follows:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 15.6pt 0 36pt; text-align: justify">“<b>See Appendix G for important information about the Indices.</b>”</p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">b.</td><td style="text-align: justify; padding-right: 0pt">Under the <b>“</b>Limits on Index Losses: Buffers” subsection, the footnote under the heading “Examples” is restated as follows:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 0pt 36pt; text-align: justify">“*<span style="color: #231F20">Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the deduction of Benefit charges and the impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding Interim Value adjustments.”</span></p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">c.</td><td style="text-align: justify; padding-right: 0pt">Under the “Point-To-Point With Cap Index Strategy” subsection, the footnote under the heading “Examples” is restated as follows:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0pt 0pt 0pt 36pt; text-align: justify; color: #231F20">“*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the deduction of Benefit charges and the impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding Interim Value adjustments.”</p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">d.</td><td style="text-align: justify; padding-right: 0pt">Under the “Enhanced Cap Rate Index Strategy <span style="color: #231F20">(Available for Annuities with an Application Sign Date on or after July 1, 2024)” subsection, the following applies:</span></td></tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 54pt"></td><td style="width: 18pt">i.</td><td style="text-align: justify; padding-right: 15.6pt"><span style="color: #231F20">The fifth paragraph is restated as follows:</span></td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 6pt 72pt; text-align: justify; color: #231F20">“The Enhanced Cap Rate Index Strategy is available in the 1-year Terms in the Savings Stage and Income Stage of the Benefit.”</p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 54pt"></td><td style="width: 18pt">ii.</td><td style="text-align: justify; padding-right: 15.6pt"><span style="color: #231F20">The footnote under the heading “Examples” is restated as follows:</span></td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 0pt 72pt; text-align: justify; color: #231F20">“*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the deduction of Benefit charges and the impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding Interim Value adjustments.”</p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 6pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">e.</td><td style="text-align: justify; padding-right: 15.6pt">Under the “Step Rate Plus Index Strategy” subsection, the following applies:</td></tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 6pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 54pt"></td><td style="width: 18pt">i.</td><td style="text-align: justify; padding-right: 15.6pt">The fifth paragraph is restated as follows:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0pt 6pt 72pt; text-align: justify">“<span style="color: #231F20">The Step Rate Plus Index Strategies are available in the 1-year Terms during the Savings Stage and Income Stage of the Benefit. Step Rate Plus Index Strategies with 5% Buffers are not available in the State of Pennsylvania. See </span><span style="color: #3953A4"><span style="text-decoration:underline">Appendix C</span></span><span style="color: #231F20">.”</span></p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 54pt"></td><td style="width: 18pt">ii.</td><td style="text-align: justify; padding-right: 15.6pt">The <span style="color: #231F20">footnote under the heading “Examples” is restated as follows:</span></td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 0pt 72pt; text-align: justify; color: #231F20">“*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the deduction of Benefit charges and the impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding Interim Value adjustments.”</p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 6pt; margin-bottom: 6pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">f.</td><td style="text-align: justify; padding-right: 15.6pt">Under the “Tiered Participation Rate Index Strategy” subsection, the footnote under the heading “Examples” is restated as follows:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 6pt 36pt; text-align: justify">“<span style="color: #231F20">*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the deduction of Benefit charges and the impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding Interim Value adjustments.</span></p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 12pt; margin-bottom: 6pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 18pt"></td><td style="width: 18pt">g.</td><td style="text-align: justify; padding-right: 15.6pt">Under the “<span style="color: #231F20">Dual Directional Index Strategy” subsection, the following applies:</span></td></tr></table><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0.35pt; margin-bottom: 6pt; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 63pt"></td><td style="width: 9pt">i.</td><td style="text-align: justify; padding-right: 15.6pt"><span style="color: #231F20">The third paragraph is restated as follows:</span></td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 0.35pt 0pt 0pt 72pt; text-align: justify; color: #231F20">“The Dual Directional Index Strategy is available in 1 and 6-year Terms in the Savings Stage of the Benefit, and 1-year Terms only in the Income Stage of the Benefit.”</p><table cellpadding="0" style="font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0.35pt; margin-bottom: 0; border-spacing: 0px;" width="100%"><tr style="vertical-align: top"> <td style="width: 63pt"></td><td style="width: 9pt">ii.</td><td style="text-align: justify; padding-right: 15.6pt">The footnote under the heading “Examples” is restated as follows:</td></tr></table><p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 0pt 72pt; text-align: justify; color: #231F20">“*Assumes a reduction in the Index Strategy Base of $2,000 since the Index Strategy Start Date due to the deduction of Benefit charges and the impact of Interim Value adjustments. Reductions to your Index Strategy Base due to the deduction of Benefit charges could be higher or lower than assumed in this example and will depend on factors such as your Index Strategy Base, the dollar amount of Benefit charges, and the corresponding Interim Value adjustments.”</p> <table cellpadding="0" style="width: 100%; font: 10pt Arial, Helvetica, Sans-Serif; margin-top: 0.35pt; margin-bottom: 0; border-spacing: 0px;"><tr style="vertical-align: top"> <td style="width: 0%"></td><td style="width: 18pt"><b>6.</b></td><td style="text-align: justify"><b><span style="text-decoration:underline">Benefits Available Under the Contract</span></b></td></tr></table> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 6pt 18pt; text-align: justify">Under the “<span style="color: #231F20">Index Linked Variable Income Benefit” subsection, the last sentence in the third paragraph is restated as follows:</span></p> <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 6pt 18pt; text-align: justify; color: #231F20">“During the Income Stage of the Benefit, only the 1-year Point-to-Point with Cap Index Strategies, 1-year Dual Directional, 1-year Step Rate Plus, and 1-year Enhanced Cap Rate Index Strategies are available so you may have to reallocate to those available Strategies.”</p> Index Linked Variable Income Benefit <p style="font: 10pt Arial, Helvetica, Sans-Serif; margin: 6pt 0pt 6pt 18pt; text-align: justify; color: #231F20">“During the Income Stage of the Benefit, only the 1-year Point-to-Point with Cap Index Strategies, 1-year Dual Directional, 1-year Step Rate Plus, and 1-year Enhanced Cap Rate Index Strategies are available so you may have to reallocate to those available Strategies.”</p> N-4 N-4 0002077810 false 2025-12-31