Registered index-linked annuity · SEC-registered · defined downside design
FlexGuard Income 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.
The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.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.
Strategy fee is not published; outcome figures are suppressed unless another published fee applies.
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 | 18.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10%20% 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%13.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 15% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15%17% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15%Maximum spread: 3%19% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15%Maximum spread: 3%7.75% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15% | — | 10% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 30% | 9% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 100% |
| 3-yearPoint-to-point | 110% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | — | 50% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 20% | — | — |
| 6-yearPoint-to-point | 75% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10%110% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 10% | 80% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 15% | 100% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%80% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%75% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20% | 75% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 30% | 55% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 100% |
Showing 20 of 61 indexed segments.
Outcome simulator unavailable
The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.
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 SEC prospectus identifies a built-in living benefit, while the current product feed leaves its payout mechanics unpublished.
- The indexed menu retains point-to-point, step-rate-plus, tiered-participation, and enhanced designs separately.
What to confirm
- Buffer protection applies to index loss at segment maturity; other contract effects can still reduce value, and excess index loss applies where the buffer is smaller than the full loss.
- No income amount, withdrawal rate, roll-up, or benefit fee is inferred from the product name or prospectus alone.
- A market value adjustment and surrender charges can affect early access separately from index performance.
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 15, 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 numbers333-288862
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
48 published jurisdictions. Not available in Missouri, New York, or Oregon.