Updating Summary Prospectus (Form 497VPU)

Glossary of Terms...........................................................................................

1

Updated Information About Your Contract..........................................................................

3

Important Information You Should Consider About the Annuity...........................................................

4

Appendix A - Investment Options Available Under the Contract...........................................................

9

Important Information You Should Consider About the Contract

Fees, Expenses, and Adjustments

Are there Charges or Adjustments for Early Withdrawals?

Yes.
Surrender Charges: If you withdraw money from the Contract within 6 years following your last Purchase Payment, you may be assessed a surrender charge. The maximum surrender charge is    8.0% of the Purchase Payment, and a surrender charge may be assessed up to 6 years after the last Purchase Payment. If you make an early withdrawal, you could pay a surrender charge of up to    $8,000 on a $100,000 withdrawal. Losses from surrender charges will be greater if there are also negative Interim Value adjustments, taxes, or tax penalties.
Interim Value Adjustments: If all or a portion of Account Value is removed from an Index Strategy before the end of the Index Strategy Term, we will apply an Interim Value adjustment, which may be negative. In extreme circumstances, you could lose up to 100% of your investment in an Index Strategy due to a negative Interim Value adjustment. For example, if you allocate $100,000 to an Index Strategy with a 3-year Strategy Term and later make a withdrawal before the 3 years have ended, you could lose your $100,000 investment. Losses from negative Interim Value adjustments will be greater if you also have to pay a surrender charge, taxes, or tax penalties. An Interim Value adjustment will apply upon any withdrawal, death benefit payment, transfer, Annuitization, or surrender that occurs during an Index Strategy Term other than on the Index Strategy Start Date or Index Strategy End Date.
For more information on surrender charges and Interim Value adjustments, please refer to the "Fee Table" and "Charges and Adjustments" sections of  the statutory prospectus.

Are there Transaction Charges?

Yes.
In addition to surrender charges and Interim Value adjustments, you may be charged for additional copies of reports. For more information, please refer to the "Fee Table" and "Charges and Adjustments" sections of the statutory prospectus.

Important Information You Should Consider About the Contract

Fees, Expenses, and Adjustments

Are there Ongoing Fees and Expenses?

Yes.
The table below describes the fees and expenses that you may pay each year, depending on the investment options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.
There is an implicit ongoing fee on the Index Strategies to the extent that an Index Strategy's Cap Rate, Spread, Participation Rate, or Step Rate, as applicable, limit the positive Index Return used in calculating the Index Credit that may be applied to an Index Strategy at the end of an Index Strategy Term. This means that your returns may be lower than the Index Return. In return for accepting this limit on Index gains, you will receive some protection from Index losses. This implicit ongoing fee is not reflected in the tables below.

Annual Fee

Minimum

Maximum

Base Contract Fees

1.20%⁽¹⁾

1.30%⁽¹⁾

Portfolio Company fees and expenses

0.57%

1.25%

Optional benefits available for an additional charge
(for a single optional benefit, if elected)

None.

None.

(1) Insurance Charge: a percentage of the net assets of the Variable Option. For Purchase Payments equal to or greater than $1,000,000 the charge will be 1.20%.

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add surrender charges and negative Interim Value adjustments that substantially increase costs.

Lowest Annual Cost
$1,912

Highest Annual Cost
$2,601

Assumes:

• Investment of $100,000

• 5% annual appreciation

• Least expensive Portfolio fees and
  expenses

• No optional benefits

• No sales charges

• No subsequent Purchase Payments,  transfers or withdrawals

Assumes:

• Investment of $100,000

• 5% annual appreciation

• Most expensive combination of optional  benefits and Portfolio fees and expenses

• No sales charges

• No subsequent Purchase Payments,  transfers or withdrawals

For more information on ongoing fees and expenses, please refer to the      "Fee Table" and "Charges and Adjustments" sections of  the statutory prospectus.

Risks

Is there a Risk of Loss from Poor Performance?

Yes.
You can lose money by investing in the Contract. Under an Index Strategy, the maximum amount of loss that you could experience from negative Index performance at the end of an Index Strategy Term, after taking into account the current limits on Index loss provided under the Contract, is: 95% loss for a 5% Buffer; 90% loss for a 10% Buffer; 85% loss for a 15% Buffer; 80% loss for a 20% Buffer; 70% loss for a 30% Buffer; or 0% loss for a 100% Buffer.
The Company does not guarantee that the Contract will always offer Index Strategies that limit Index losses, which would mean a risk of loss of the entire amount invested.
For more information on the risk of loss, please refer to the "Principal Risks of Investing in the Contract" section of the statutory prospectus.

Is this a Short-Term Investment?

No.
The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The Contract is designed to provide benefits on a long-term basis.  Because of the long-term nature of the Contract, you should consider whether the Contract is consistent with your financial situation and  objectives.  
Amounts withdrawn from the Contract may result in surrender charges, taxes and tax penalties. In addition, removing amounts from an Index Strategy prior to the Index Strategy End Date may result in a negative Interim Value adjustment and loss of positive Index performance.
Removing a portion of amounts in an Index Strategy prior to the Index Strategy End Date will also result in an immediate reduction to your Index Strategy Base. The Index Strategy Base will be proportionately reduced, and the proportionate reduction could be greater than the amount removed. Reductions to your Index Strategy Base will result in lower Interim Values for the remainder of the Index Strategy Term and less positive Index Credit (if any) on the Index Strategy End Date.
At the end of an Index Strategy Term, amounts in the matured Index Strategy will be reallocated, withdrawn or otherwise processed according to your instructions. You must provide instructions for reallocation by the Index Anniversary Date corresponding to the Index Strategy End Date. In the absence of instructions, if the same Index Strategy is available, amounts in the matured Index Strategy will be automatically re-invested in the same Index Strategy for a new Index Strategy Term. During the Savings Stage, if the same Index Strategy is no longer available, amounts in the matured Index Strategy will be automatically transferred to the Holding Account, and the amount may be transferred into another Index Strategy on the next Index Anniversary Date.
For more information on the short-term investment risks, please refer to the "Principal Risks of Investing in the Contract", "Charges and Adjustments" and "General Description of Contracts - Transfer and Reallocation Guidelines" sections of the statutory prospectus.

Risks

What are the Risks Associated with the Investment Options?

An investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Contract, including the Index Strategies, and the Variable Options.  Each  investment option has its own unique risks. You should review the investment options before making an investment decision.
For the Index Strategies:

• The Cap Rate, Spread, Participation Rate or Step Rate, as applicable, may limit positive Index Credits (i.e., limited upside). This may result in you earning less than the Index Return. For example:

• Point-to-Point with Cap Index Strategy. Assuming a Cap Rate of 5% and an Index Return of 10% (which is greater than the Cap Rate), we will apply a 5% Index Credit at the end of the Index Strategy Term.

• Enhanced Cap Rate Index Strategy. Assuming a Spread of 2%, Cap Rate of 15% and Index Return of 18% (which is greater than the Cap Rate plus the Spread), we will apply a 15% Index Credit at the end of the Index Strategy Term. If the Index Return is instead 10% (which is less than the Cap Rate plus the Spread), we will deduct the Spread from the Index Return and apply an 8% Index Credit at the end of the Index Strategy Term. If the Index Return is instead 1% (which is greater than zero but less than the Spread), the Index Credit would be 0%.

• Step Rate Plus Index Strategy. Assume the Step Rate is 4% and the Participation Rate is 60%. If the Index Return is 5%, we will apply the Step Rate to calculate the Index Credit because the Step Rate (4%) is greater than the Index Return multiplied by the Participation Rate (5% x 60% = 3%). The Index Credit at the end of the Index Strategy Term will be 4%. If the Index Return is instead 10%, we will apply the Participation Rate rather than the Step Rate because the Index Return multiplied by the Participation Rate (10% x 60% = 6%) will be greater than the Step Rate (4%). The Index Credit at the end of the Index Strategy Term will be 6%.

• Dual Directional Index Strategy. Assuming a Cap Rate of 4% and an Index Return of 8% (which is greater than the Cap Rate), we will apply a 4% Index Credit at the end of the Index Strategy Term.

• The Buffer may limit negative Index Credits (i.e., limited protection in the case of market decline). For example, if the Index Return is -25% and the Buffer is 10%, we will apply a -15% Index Credit (the amount of negative Index Return that exceeds the Buffer) at the end of the Index Strategy Term.

• There may be losses due to surrender charges, negative Interim Value adjustments, and taxes and tax penalties.
  Index performance is on a "price return" basis, not a "total return" basis, and therefore does not reflect dividends paid on the securities composing the Index. In addition, if the Index is an exchange-traded fund (ETF), the ETF deducts fees and costs that reduce Index performance. These factors will reduce the Index Return and may cause the Index to underperform a direct investment in the securities composing the Index.

For more information on the risks associated with investment options, please refer to the "Principal Risks of Investing in the Contract" and "Appendix A" sections of  the statutory prospectus.

What are the Risks Related to the Insurance Company?

An investment in the Contract is subject to the risks related to the Company. Any obligations (including under the Index Strategies), guarantees, or benefits are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available upon request. Such requests can be made toll-free at 1-888-PRU-2888.
For more information on the insurance company risks, please refer to the  "Principal Risks of Investing in the Contract" section of  the statutory prospectus.

Restrictions

Are there Restrictions on the Investment Options?

Yes.
There are restrictions that may limit the investment options that you may choose, and there are limitations on the transfer of Account Value among investment options.  

• Account Value may be transferred to an Index Strategy, or among Index Strategies, only on an Index Strategy End Date.

• Account Value in the Variable Option may be transferred to an Index Strategy only on an Index Anniversary Date.

• During the Savings Stage, Account Value transferred from an Index Strategy to the Variable Option prior to the Index Strategy End Date will result in an Interim Value adjustment, which may be negative.

• During the Income Stage, no Index Strategies are available other than the 1-year Point-to-Point with Cap, 1-year Dual Directional, 1-year Step Rate Plus, and 1-year Enhanced Cap Rate* Index Strategies. The Variable Options are not available during the Income Stage. We reserve the right to:

• Remove or substitute Portfolios and close the Variable Option;  

• Add or remove Index Strategies (there is no guarantee that any Index Strategy will be available in the future);  

• Change the features of an Index Strategy from one Index Strategy Term to the next, including the Index, Cap Rate, Spread, Participation Rate, Step Rate, and Buffer, as applicable, subject to any minimum guarantees; and  

• Substitute the Index of an Index Strategy during its Index Strategy Term.

We may impose limitations on an investment professional's or investment advisor's ability to request financial transactions on your behalf.
*Enhanced Cap Rate Index Strategies are only available on annuities with an Application Sign Date on or after July 1, 2024.
Certain Investment Options may not be available through certain financial intermediaries. See Appendix F, "Financial Intermediary Variations'" and the Cover Page of the statutory prospectus  for additional information.
For more information on investment and transfer restrictions, please refer to the  "Principal Risks of Investing in the Contract", "Investment Options", "General Description of Contracts - Transfer and Reallocation Guidelines", "What are the Separate Accounts", "Financial Professional Permission to Forward Transaction Instructions", and "Appendix A" sections of the statutory prospectus.

Are there any Restrictions on Contract Benefits?

Certain Contract Benefits may not be available through certain financial intermediaries. See, Appendix F, "Financial Intermediary Variations" and the  Cover Page of the statutory prospectus  for additional information.

Taxes

What are the Contract's Tax Implications?

You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract. There is no additional tax benefit if you purchase the Contract through a tax-qualified plan or individual retirement account (IRA). Withdrawals will be subject to ordinary income tax, and may be subject to a 10% additional tax for distributions taken prior to age 59½.
For more information on tax implications, please refer to the "Taxes" section of  the statutory prospectus.

Conflicts of Interest

How are Investment Professionals Compensated?

Investment professionals may receive compensation for selling the Contract to investors and may have a financial incentive to offer or recommend the Contract over another investment. This compensation is paid in the form of commissions, based on the amount of your investment in the Contract.
For more information on investment professional compensation, please refer to the Statement of Additional Information.

Should I Exchange My Contract?

Some investment professionals may have a financial incentive to offer you a Contract in place of the one you already own. You should only exchange your contract if you determine after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is preferable to purchase the new contract, rather than continue to own your existing contract.
For more information on exchanges, please refer to the Statement of Additional Information.

Fund Type

Portfolio Company and Advisor/Subadvisor

Current
Expenses

Average Annual Total Returns
(as of 12/31/2025)

1 Year

5 Year

10 Year

Equity

MFS^® International Growth Portfolio - Service Class^♦
Massachusetts Financial Services Company

1.13%

20.81%

6.80%

9.60%

Fixed Income

MFS^® Total Return Bond Series - Service Class^♦
Massachusetts Financial Services Company

0.78%

6.94%

-0.09%

2.38%

Allocation

MFS^® Total Return Series - Service Class^♦
Massachusetts Financial Services Company

0.86%

10.91%

6.16%

7.36%

Equity

MFS^® Value Series - Service Class^♦
Massachusetts Financial Services Company

0.94%

12.77%

9.69%

9.77%

Fixed Income

PSF PGIM Government Money Market Portfolio - Class III
PGIM Fixed Income

0.57%

3.79%

2.87%

N/A

Index

Type of Index

Index Strategy Term

Index Crediting Methodology

Current Limit on Index Loss (if held until end of Index Strategy Term)

Minimum Limit on Index Gain (for the life of the Index Strategy)

Point-to-Point with Cap Index Strategy

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Point-to-Point with Cap Index Strategy

10% Buffer

Minimum Cap Rate: 1%

MSCI EAFE¹

International Equities

1-Year

Point-to-Point with Cap Index Strategy

10% Buffer

Minimum Cap Rate: 1%

Invesco QQQ ETF²

Large-Cap Equities

1-Year

Point-to-Point with Cap Index Strategy

10% Buffer

Minimum Cap Rate:  1%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

1-Year

Point-to-Point with Cap Index Strategy

10% Buffer

Minimum Cap Rate:  1%

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Point-to-Point with Cap Index Strategy

15% Buffer

Minimum Cap Rate:  1%

MSCI EAFE¹

International Equities

1-Year

Point-to-Point with Cap Index Strategy

15% Buffer

Minimum Cap Rate:  1%

Invesco QQQ ETF²

Large-Cap Equities

1-Year

Point-to-Point with Cap Index Strategy

15% Buffer

Minimum Cap Rate:  1%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

1-Year

Point-to-Point with Cap Index Strategy

15% Buffer

Minimum Cap Rate:  1%

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Point-to-Point with Cap Index Strategy

30% Buffer

Minimum Cap Rate:  1%

MSCI EAFE¹

International Equities

1-Year

Point-to-Point with Cap Index Strategy

30% Buffer

Minimum Cap Rate:  1%

Invesco QQQ ETF²

Large-Cap Equities

1-Year

Point-to-Point with Cap Index Strategy

30% Buffer

Minimum Cap Rate:  1%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

1-Year

Point-to-Point with Cap Index Strategy

30% Buffer

Minimum Cap Rate:  1%

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Point-to-Point with Cap Index Strategy

100% Buffer

Minimum Cap Rate:  1%

S&P 500^®1

U.S. Large-Cap Equities

3-Year

Point-to-Point with Cap Index Strategy

10% Buffer

Minimum Cap Rate:  5%

MSCI EAFE¹

International Equities

3-Year

Point-to-Point with Cap Index Strategy

10% Buffer

Minimum Cap Rate:  5%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

3-Year

Point-to-Point with Cap Index Strategy

10% Buffer

Minimum Cap Rate:  5%

AB 500 Plus Index^SM1

U.S. Large-Cap Equities with Exposure to Global Equity Markets

3-Year

Point-to-Point with Cap Index Strategy

10% Buffer

Minimum Cap Rate:  5%

S&P 500^®1

U.S. Large-Cap Equities

3-Year

Point-to-Point with Cap Index Strategy

20% Buffer

Minimum Cap Rate:  5%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

3-Year

Point-to-Point with Cap Index Strategy

20% Buffer

Minimum Cap Rate:  5%

MSCI EAFE¹

International Equities

3-Year

Point-to-Point with Cap Index Strategy

20% Buffer

Minimum Cap Rate:  5%

AB 500 Plus Index^SM1

U.S. Large-Cap Equities with Exposure to Global Equity Markets

3-Year

Point-to-Point with Cap Index Strategy

20% Buffer

Minimum Cap Rate:  5%

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Point-to-Point with Cap Index Strategy

20% Buffer

Minimum Cap Rate:  10%

MSCI EAFE¹

International Equities

6-Year

Point-to-Point with Cap Index Strategy

20% Buffer

Minimum Cap Rate:  10%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

6-Year

Point-to-Point with Cap Index Strategy

20% Buffer

Minimum Cap Rate:  10%

AB 500 Plus Index^SM1

U.S. Large-Cap Equities with Exposure to Global Equity Markets

6-Year

Point-to-Point with Cap Index Strategy

20% Buffer

Minimum Cap Rate:  10%

Dimensional International Equity Focus¹

International Equities

6-Year

Point-to-Point with Cap Index Strategy

20% Buffer

Minimum Cap Rate:  10%

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Point-to-Point with Cap Index Strategy

30% Buffer

Minimum Cap Rate:  10%

MSCI EAFE¹

International Equities

6-Year

Point-to-Point with Cap Index Strategy

30% Buffer

Minimum Cap Rate:  10%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

6-Year

Point-to-Point with Cap Index Strategy

30% Buffer

Minimum Cap Rate:  10%

AB 500 Plus Index^SM1

U.S. Large-Cap Equities with Exposure to Global Equity Markets

6-Year

Point-to-Point with Cap Index Strategy

30% Buffer

Minimum Cap Rate:  10%

Dimensional International Equity Focus¹

International Equities

6-Year

Point-to-Point with Cap Index Strategy

30% Buffer

Minimum Cap Rate:  10%

Enhanced Cap Rate Index Strategy (For Annuities with an Application Sign Date on or after July 1, 2024)

S&P 500^®1, Spread A

U.S. Large-Cap Equities

1-Year

Enhanced Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate:  1%
Maximum Spread: 3%

S&P 500^®1, Spread B

U.S. Large-Cap Equities

1-Year

Enhanced Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate:  1%
Maximum Spread: 3%

MSCI EAFE¹, Spread A

International Equities

1-Year

Enhanced Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate:  1%
Maximum Spread: 3%

MSCI EAFE¹, Spread B

International Equities

1-Year

Enhanced Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate:  1%
Maximum Spread: 3%

S&P 500^®1, Spread A

U.S. Large-Cap Equities

1-Year

Enhanced Cap Rate Index Strategy

15% Buffer

Minimum Cap Rate:  1%
Maximum Spread: 3%

S&P 500^®1, Spread B

U.S. Large-Cap Equities

1-Year

Enhanced Cap Rate Index Strategy

15% Buffer

Minimum Cap Rate:  1%
Maximum Spread: 3%

MSCI EAFE¹, Spread A

International Equities

1-Year

Enhanced Cap Rate Index Strategy

15% Buffer

Minimum Cap Rate:  1%
Maximum Spread: 3%

MSCI EAFE¹, Spread B

International Equities

1-Year

Enhanced Cap Rate Index Strategy

15% Buffer

Minimum Cap Rate:  1%
Maximum Spread: 3%

Step Rate Plus Index Strategy

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Step Rate Plus Index Strategy

5% Buffer

Minimum Step Rate: 1%
Minimum Participation Rate: 60%

MSCI EAFE¹

International Equities

1-Year

Step Rate Plus Index Strategy

5% Buffer

Minimum Step Rate: 1%
Minimum Participation Rate: 60%

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Step Rate Plus Index Strategy

10% Buffer

Minimum Step Rate: 1%
Minimum Participation Rate: 60%

Tiered Participation Rate Index Strategy

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Tiered Participation Rate Index Strategy

5% Buffer

Minimum Participation Rate: 100%
Maximum Tier Level: 35%

MSCI EAFE¹

International Equities

6-Year

Tiered Participation Rate Index Strategy

5% Buffer

Minimum Participation Rate: 100%
Maximum Tier Level: 35%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

6-Year

Tiered Participation Rate Index Strategy

5% Buffer

Minimum Participation Rate: 100%
Maximum Tier Level: 35%

AB 500 Plus Index^SM1

U.S. Large-Cap Equities with Exposure to Global Equity Markets

6-Year

Tiered Participation Rate Index Strategy

5% Buffer

Minimum Participation Rate: 100%
Maximum Tier Level: 35%

Dimensional International Equity Focus¹

International Equities

6-Year

Tiered Participation Rate Index Strategy

5% Buffer

Minimum Participation Rate: 100%
Maximum Tier Level: 35%

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Tiered Participation Rate Index Strategy

10% Buffer

Minimum Participation Rate: 100%
Maximum Tier Level: 35%

MSCI EAFE¹

International Equities

6-Year

Tiered Participation Rate Index Strategy

10% Buffer

Minimum Participation Rate: 100%
Maximum Tier Level: 35%

AB 500 Plus Index^SM1

U.S. Large-Cap Equities with Exposure to Global Equity Markets

6-Year

Tiered Participation Rate Index Strategy

10% Buffer

Minimum Participation Rate: 100%
Maximum Tier Level: 35%

Dimensional International Equity Focus¹

International Equities

6-Year

Tiered Participation Rate Index Strategy

10% Buffer

Minimum Participation Rate: 100%
Maximum Tier Level: 35%

Dual Directional Index Strategy

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Dual Directional Index Strategy

10% Buffer

Minimum Cap Rate:  1%

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Dual Directional Index Strategy

15% Buffer

Minimum Cap Rate:  1%

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Dual Directional Index Strategy

10% Buffer

Minimum Cap Rate:  10%

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Dual Directional Index Strategy

15% Buffer

Minimum Cap Rate:  10%

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Dual Directional Index Strategy

20% Buffer

Minimum Cap Rate:  10%

Edgar Contract Identifier: C000229495; C000264558

PLAZFGPROS-USP