Registered index-linked annuity · SEC-registered · defined downside design
FlexGuard 2.0
Issued by Pruco Life Insurance Company
The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.
Every segment, by index and downside design
Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.
0%/yr strategy fee is the table default.
Swipe horizontally to compare every protection level.
| Index · term | 10% buffer | 15% buffer | 20% buffer | 30% buffer | 100% buffer |
|---|---|---|---|---|---|
| S&P 500 | |||||
| 1-yearPoint-to-point | 16% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10%19.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10%Maximum spread: 3%25% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10%Maximum spread: 3%12% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 13% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15%14.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15%Maximum spread: 3%16.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15%Maximum spread: 3%7.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15% | — | 9% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 30% | 6% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 100% |
| 3-yearPoint-to-point | 75% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — | 40% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | — | — |
| 6-yearPoint-to-point | 90% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10%70% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10% | 75% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 15% | 80% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%65% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%65% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20% | 60% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 30% | 40% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 100% |
Showing 20 of 61 indexed segments.
The prospectus publishes no separately stated strategy fee for these segments, so segment outcomes use 0% strategy-fee drag. Any advisory or optional-benefit fees are separate and can reduce account value. Prudential FlexGuard 2.0 summary prospectus ↗
Twelve current strategies publish a term and buffer but no linked index, upside rate, or exact crediting design. They remain visible in a separate ledger and are excluded from outcome math.
What one segment pays at an index outcome
Contract arithmetic on today’s published terms, net of the published strategy fee; not a forecast.
Downside-aware simulator
Test an index segment outcome
The segment can lose value. This educational one-segment scenario is not a carrier illustration.
Strategy fee 0%/yr applied.
Starting value
$100,000
Segment return
-15%
Ending value
$85,000
Outcomes are net of the published strategy fee. Point-to-point uses the stated buffer; Dual Direction credits a loss inside the buffer as a gain; Dual Trigger pays its flat rate when the index is at or above the negative buffer; Performance Trigger pays its flat rate when the index is at or above zero. The annual fee is compounded across the listed segment term.
What the carrier can change at renewal
Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Analyst notes
Where it stands out
- The current data publishes one-, three-, and six-year indexed segments plus a fixed option.
- The indexed menu includes point-to-point, step-rate-plus, tiered-participation, and enhanced designs.
- The current carrier data publishes AM Best A+, Fitch AA-, and S&P AA-.
What to confirm
- Buffer protection applies to index loss at segment maturity; withdrawals, fees, surrender charges, and interim-value adjustments can still reduce contract value.
- Where a buffer is smaller than the full index loss, the excess loss reduces segment value.
- A market value adjustment and surrender charges can affect early access separately from index performance.
- The live product data does not publish a strategy fee for the indexed rows, so outcome figures are not inferred as fee-free.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Source and vintage: normalized public product facts from CANNEX, observed Sep 11, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.
Prospectus and SEC filings
A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.
RegistrantPruco Life Insurance Co (RILA/MVA)
SEC CIK0002077810
File numbers333-288845
Open filings on EDGAR ↗RegistrantPruco Life Insurance Company
SEC CIK0000777917
File numbers333-288504
Open filings on EDGAR ↗No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.
State availability
49 published jurisdictions. Not available in New York or Oregon.