Registered index-linked annuity · SEC-registered · defined downside design
FlexGuard Income Select
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 |
|---|---|---|---|---|---|
| MSCI EAFE | |||||
| 1-yearPoint-to-point | 20% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 15% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15% | — | 10.75% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 30% | — |
| 6-yearPoint-to-point | — | — | Not published Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20% | — | — |
| S&P 500 | |||||
| 1-yearPoint-to-point | 18.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 15% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15%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% |
| 6-yearPoint-to-point | — | 80% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 15% | 100% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20%75% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20% | — | — |
| iShares Russell 2000 ETF | |||||
| 1-yearPoint-to-point | 25% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 19% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15% | — | 12% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 30% | — |
| 6-yearPoint-to-point | — | — | 150% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20% | — | — |
| Invesco QQQ Trust Series 1 | |||||
| 1-yearPoint-to-point | 22% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 17.25% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15% | — | 10.75% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 30% | — |
| AB 500 Plus | |||||
| 6-yearPoint-to-point | — | — | Not published Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20% | — | — |
| Strategies · index and upside rates not published | |||||
| 6-year · 10% buffer | Upside rates not published | ||||
| 6-year · 10% buffer | Upside rates not published | ||||
| 6-year · 10% buffer | Upside rates not published | ||||
Showing 20 of 20 indexed segments.
Menu combined from 2 published rate instances (19 + 1 segments).
3 rows publish a term and buffer but no linked index or upside rates. They are retained separately and excluded from indexed outcome figures.
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 feed identifies the Index Linked Variable Income Benefit and an annual fee.
- The current SEC prospectus says the living benefit is built into this contract rather than optional.
- The current menu publishes one- and six-year buffered market-linked segments.
What to confirm
- No income dollar amount or withdrawal percentage is inferred because the current live scenario does not publish one.
- The built-in income benefit does not protect the whole RILA account value from loss.
- The live product data does not publish strategy fees for the indexed rows, so indexed outcome figures are suppressed.
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 numbers333-288858
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.