Disclosure

FlexGuard 2.0, FlexGuard Income 2.0:

Registered Index linked annuity products are complex insurance and investment vehicles and are long-term investments designed for retirement purposes.  There is risk of loss of principal if negative index returns exceed the selected protection level.  As gains or losses are assessed at the end of each term, index credit is only received if the strategy is held full term, and no withdrawals are taken.  Early withdrawals may result in a loss in addition to applicable surrender charges and/or Market Value Adjustment. Please reference the prospectus for information about the levels of protection available and other important product information.

A registered index linked annuity is a long-term investment designed for retirement purposes. Withdrawals or surrenders may be subject to surrender charges and/or a market value adjustment. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to a 10% additional tax. Withdrawals reduce the account value and the living and death benefits.

All guarantees, including benefit payment obligations, index strategy crediting, or annuity payout rates, are backed by the issuing company's claims-paying ability. The third-party broker-dealer/agency, or any of its affiliates, selling this annuity are not responsible for making those payments, and none makes any representations or guarantees about the issuer's claims-paying ability.  

FlexGuard NY:

MSCI EAFE Index: The annuity contract referred to herein is not sponsored, promoted or endorsed by MSCI, and MSCI bears no liability with respect to any such annuity contract or any index referred to by any such annuity contract. The product prospectus contains a more detailed description of the limited relationship MSCI has with Pruco Life Insurance Company of New Jersey and any related annuity contracts.

The S&P 500^® Index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by Pruco Life Insurance Company of New Jersey.  Standard & Poor's^®, S&P^® and S&P 500^® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pruco Life Insurance Company of New Jersey.   Pruco Life Insurance Company of New Jersey's Product(s)  is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. It is not possible to invest directly in an index.

Investors should carefully consider the features of the contract, index strategies, risks, charges, and expenses. The prospectus for the contract contains this and other important information and can be obtained by contacting the National Sales Desk. Clients should read the prospectuses carefully before investing.

It is possible to lose money by investing in securities.

Annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office). Registered index linked annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT.

FlexGuard^® 2.0, FlexGuard®, FlexGuard^® 2.0 Income, FlexGuard^® Income, FlexGuard^® - New York and all product features are not approved for use in all states or through all broker-dealers.

For Financial Professional Use Only. Not For Use with the Public.