Registered index-linked annuity · SEC-registered · defined downside design
FlexGuard New York
Issued by Pruco Life Insurance Company of New Jersey
AM Best A+Can lose value
Segment terms1-year · 3-year · 6-year
Downside choices10% buffer · 15% buffer · 20% buffer · 30% buffer
FeeNot published
Surrender period6 yrs
Free withdrawal10%per year
Issue ages0–85 (annuitant and owner) · age limits based on the older person
Available jurisdictions1published in the feed
Market value adj.None
Headline segment · S&P 500 Index · 1-year · 10% buffer16% cap · 10% buffer
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 |
|---|---|---|---|---|
| S&P 500 | ||||
| 1-yearPoint-to-point | 16% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10%12% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | 13% cap Segment detailsMinimum cap: 4.5%Minimum participation: 100%Minimum buffer: 15% | — | 9% cap Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 30% |
| 1-yearPerformance trigger | 11% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10% | — | — | — |
| 3-yearPoint-to-point | 75% cap Segment detailsMinimum cap: 15%Minimum participation: 100%Minimum buffer: 10% | — | 40% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 20% | — |
| 6-yearPoint-to-point | 90% cap Segment detailsMinimum cap: 30%Minimum participation: 100%Minimum buffer: 10%70% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 75% cap Segment detailsMinimum cap: 27%Minimum participation: 100%Minimum buffer: 15% | 80% cap Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20%65% cap Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20%65% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20% | 60% cap Segment detailsMinimum cap: 18%Minimum participation: 100%Minimum buffer: 30% |
| MSCI EAFE | ||||
| 1-yearPoint-to-point | 18.75% cap Segment detailsMinimum cap: 5%Minimum participation: 100%Minimum buffer: 10% | 14% cap Segment detailsMinimum cap: 4.5%Minimum participation: 100%Minimum buffer: 15% | — | 8.75% cap Segment detailsMinimum cap: 3%Minimum participation: 100%Minimum buffer: 30% |
| 3-yearPoint-to-point | Not published Segment detailsMinimum cap: 15%Minimum participation: 100%Minimum buffer: 10% | — | 300% cap Segment detailsMinimum cap: 12%Minimum participation: 100%Minimum buffer: 20% | — |
| 6-yearPoint-to-point | 90% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | — | Not published Segment detailsMinimum cap: 24%Minimum participation: 100%Minimum buffer: 20%75% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20% | 100% cap Segment detailsMinimum cap: 18%Minimum participation: 100%Minimum buffer: 30% |
| Nasdaq-100 | ||||
| 1-yearPoint-to-point | 20.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 16.25% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15% | — | 9.75% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 30% |
| 3-yearPoint-to-point | 65% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | — | 42% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20% | — |
| 6-yearPoint-to-point | 75% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | — | 90% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20%70% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20% | 75% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 30% |
| Russell 2000 | ||||
| 1-yearPoint-to-point | 23.75% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 18% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15% | — | 11% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 30% |
| 3-yearPoint-to-point | 110% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | — | 55% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20% | — |
| 6-yearPoint-to-point | 100% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | — | 125% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20%100% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20% | 70% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 30% |
| Strategies · index and upside rates not published | ||||
| 6-year · 10% buffer | Upside rates not published | |||
| 6-year · 10% buffer | Upside rates not published | |||
Showing 41 of 41 indexed segments.
2 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.
Performance trigger · 1-year100%Minimum participation rate
Performance trigger · 1-year1%Minimum trigger rate
Point-to-point · 1-year1%Minimum cap
Point-to-point · 1-year100%Minimum participation rate
Point-to-point · 3-year1%Minimum cap
Point-to-point · 3-year100%Minimum participation rate
Point-to-point · 6-year1%Minimum cap
Point-to-point · 6-year100%Minimum participation rate
Minimum published buffer10%Lowest value across the published segment limits
Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.
Getting money out
Surrender charge · full schedule
Year 17%
Year 27%
Year 36%
Year 45%
Year 54%
Year 63%
After0%
Annual free withdrawal10%
Systematic withdrawalsAvailable
Nursing-home / terminal-illness waiverNot published
BailoutNot available
Return of premiumNot available
Death benefitROP Death Benefit
Analyst notes
Where it stands out
- This contract version is published only for New York.
- The current menu includes one-, three-, and six-year point-to-point, step, tiered, and performance-trigger segments.
- 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; other contract effects can still reduce value, and excess index loss applies where the buffer is smaller than the full loss.
- The current live rows do not publish strategy fees, so indexed outcome figures are not inferred as fee-free.
- Step Rate Plus rows without a published index or usable upside value remain visible but are excluded from the simulator.
Best fitNew York buyers who can compare each index, term, buffer, and upside mechanic and tolerate RILA market risk.
Not ideal forBuyers who need principal protection, guaranteed lifetime income, or a simple fixed return.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Contract ledger statusAvailable · version 2.0
Product familyRILA
Share classesB Shareapplicable_rule · product_profile
PremiumNot published in feed
Issue ages0–85 (annuitant and owner) · age limits based on the older person
Joint age rulesannuitant: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published · owner: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published
Funding typesNon-qualified · Qualified
Annuitant typesJoint · Single
OwnershipCorporation · Joint · Single · Trust
Joint contractAvailable
Free-look periodAvailable
Annuitization maximum age95 years
Annuitization optionsCertain period · Joint life · Single life
Profile feesAdmin · Current · tier 1 0.15% · daily · Mortality and expense · Current · tier 1 1.15% · daily, tier 2 1.05% · daily
Premium bonusNot published
Systematic withdrawalsYes
Minimum-withdrawals rule appliesYes
BailoutNo
Market value adjustmentNone
Return of premiumNot available
Free-withdrawal tiersTier 1: 10% · Available
CDSC schedule6 years · applies to the selected contract
Surrender ledger statusAvailable
Contract sourceCANNEXNormalized public contract facts; source XML and internal identifiers are not displayed.
Source vintagefreshObserved Sep 16, 2026 · generated Sep 16, 2026
Income rider optionsNone published — accumulation only
Death benefitROP Death Benefit
Contract open dateNot published in feed
Source and vintage: normalized public product facts from CANNEX, observed Sep 16, 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 of New Jersey (RILA/MVA)
SEC CIK0002077808
File numbers333-288815
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
1 published jurisdiction. This contract version is available only in New York.
NY
Rates are sourced from CANNEX via AdvisorWorld and updated daily. Rates vary by state, premium band, and issue age. A registered index-linked annuity can lose value; a buffer, floor, or downside-participation rule limits specified losses but does not guarantee principal or surrender value. Upside rates and downside-protection terms can change on new segments. Educational only — not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier’s claims-paying ability and are not FDIC-insured.