Summary Prospectus for New Investors by Investment Company (Form 497VPI)

GLOSSARY OF TERMS.......................................................................................

1

OVERVIEW OF THE CONTRACT................................................................................

4

IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE ANNUITY.............................................

7

BENEFITS AVAILABLE UNDER THE CONTRACT....................................................................

13

BUYING THE CONTRACT.....................................................................................

15

MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT...............................................

16

ADDITIONAL INFORMATION ABOUT FEES........................................................................

17

APPENDIX A - INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT..............................................

19

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 Contract Issue Date, you may be assessed a surrender charge. The maximum surrender charge is  8.0% applied against Account Value being withdrawn, and a surrender charge may be assessed up to 6 years after the Issue Date of your Contract. 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, Benefit charge or surrender that occurs during an Index Strategy Term other than on the Index Strategy Start Date or Index Strategy End Date.
Market Value Adjustments: If you withdraw assets in excess of the Free Withdrawal amount from  an Index Strategy or the Fixed Account outside of the period beginning 30 days prior to an MVA Period end date and extending to 60 days following the MVA Period end date for the Fixed Account, we will apply a Market Value Adjustment, which may increase or decrease your initial amount invested. Losses related to the Fixed Account are limited due to the Minimum Guaranteed Surrender Value (MGSV) feature. The MGSV feature applies only to funds allocated to the Fixed Account (see " Fixed Account - Minimum Guaranteed Surrender Value "). Losses related to investment in Index Strategies could be significant, up to 100% of your investment in extreme scenarios. For example, if you allocate $100,000 to an Index Strategy and later withdraw the entire amount outside of the permitted window, you could lose up to $100,000 of your investment. This loss will be greater if you also have to pay taxes and tax penalties. The following transactions, when they occur  outside of the above mentioned window, are subject to a Market Value Adjustment: (i) partial withdrawals (including systematic withdrawals and Required Minimum Distributions), (ii) surrenders, and (iii) exercise of the right to cancel.
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, Market Value Adjustments and Interim Value adjustments, you may also 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

1.70%⁽¹⁾

1.70%⁽¹⁾

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

None

None

⁽¹⁾ Index Linked Variable Income Benefit charge. A percentage of the Account Value. The Benefit is included upon issuance of the Contract. The Benefit may be cancelled after three years. If it is cancelled the Benefit charge will no longer apply.
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, negative Market Value Adjustments and negative Interim Value adjustments that substantially increase costs.

Lowest Annual Cost
$1,785

Highest Annual Cost
$1,785

Assumes:

• Investment of $100,000

• 5% annual appreciation

• Index Linked Variable Income Benefit Charge

• No sales charges

• No subsequent Purchase Payments, transfers or withdrawals

Assumes:

• Investment of $100,000

• 5% annual appreciation

• Index Linked Variable Income Benefit Charge

• 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, Market Value Adjustments, 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. If the same Index Strategy is no longer available, amounts in the matured Index Strategy will be automatically transferred to the Fixed Account. Amounts in the Fixed Account may be transferred to an Index Strategy on the next Index Anniversary Date or sooner as permitted pursuant to the Flexible Allocation feature.
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. 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:

• Cap Rate 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.

• Participation Rate with Cap Index Strategy. Assuming a Cap Rate of 100%, a Participation Rate of 130% and an Index Return of 125%, the Index Credit would be 130% of 125% or 162.5% (which is greater than the Cap Rate), we will apply a 100% 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, negative Market 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 will cause the Index to underperform a direct investment in the securities composing the Index.  
For the Fixed Account:

• The Fixed Account may be subject to a Market Value adjustment, which can be negative, causing you to lose money.

For more information on the risks associated with investment options, please refer to the "Principal Risks of Investing in the Contract," "Investment Options" 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.  

• The availability of Investment Options described in this prospectus may vary depending on the broker-dealer through which the Contract is sold. See "Appendix B - Financial Intermediary Variations"  of the statutory prospectus.

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

• Account Value in the Fixed Account may be transferred to an Index Strategy only on an Index Anniversary Date or sooner as provided pursuant to the Flexible Allocation feature.

• During the Savings Stage, Account Value transferred from an Index Strategy to the Fixed Account 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 following 1-year strategies: Cap Rate, Dual Directional, Enhanced Cap Rate, and Step Rate Plus, along with the Fixed Account.

We reserve the right to:

• 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 will not accept any additional Purchase Payments under the Contract.
We may impose limitations on an investment professional's or investment advisor's ability to request financial transactions on your behalf.
Certain Investment Options may not be available through certain financial intermediaries. See Appendix B - "Financial Intermediary Variations"  and the Cover Page of the statutory prospectusfor 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?

Yes.
There are restrictions and limitations relating to benefits offered under the Contract (e.g., Index Linked Variable Income Benefit, Death Benefit).  
Except as otherwise provided, Contract benefits may not be modified or terminated by the Company.
For the Index Linked Variable Income Benefit:

• The Contract is automatically issued with the Index Linked Variable Income Benefit, with an additional charge. You cannot voluntarily terminate the Benefit (and its charge) until after your 3rd Contract Year.  

• Income Withdrawals may not begin until the Income Stage. You can elect to begin the Income Stage on any date after the Income Benefit Waiting Period.

• Excess Income may affect the availability of the Benefit by reducing it by an amount greater than the value withdrawn and could terminate the Benefit and the Contract.

For the Performance Lock:

• The Performance Lock is only available during the Savings Stage and is not available during the Income Stage.

• We reserve the right to limit the use of the Performance Lock feature for certain Index Strategies.

• We may discontinue the use of this feature for future Performance Lock requests at any time.

Withdrawals may significantly reduce the Death Benefit, perhaps by more than the amount withdrawn.
Certain Contract Benefits may not be available through certain financial intermediaries. See Appendix B, 'Financial Intermediary Variations' and the Cover Page of the statutory prospectus  for additional information.
For more information on the benefits under the Contract, please refer to the "Benefits Available Under the Contract" and "Performance Lock" sections of  the statutory prospectus.

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 an annuity 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 commissions and exchanges, please refer to the Statement of Additional Information.

Name of Benefit

Purpose

Standard or Optional

Maximum Fee

Brief Description of Restrictions/Limitations

Index Linked Variable Income Benefit

The built-in Benefit associated with the Annuity is a variable income benefit that allows you to receive your annual withdrawal amount over one lifetime ("Protected Life"), or over the Owner/Annuitant and their spouse's lifetime ("Joint Protected Lives"). The Benefit provides lifetime income payments initially based on a percentage of your Account Value.

Standard

1.70%  
(of the Account Value on the Index Anniversary Date)

• If you remove the Benefit before Income Withdrawals begin, you will have paid for the Benefit without receiving any of its advantages.

• If you remove the Benefit, you cannot re-elect it at any point in the future.

• Income Withdrawals and the Benefit may also end prematurely if you take Excess Income or you annuitize your Contract.

• Benefit charges deducted prior to an Index Strategy End Date will result in an Interim Value adjustment, which may be negative.

• Income Withdrawals may not begin until the Income Stage, and you can elect to begin the Income Stage on any date after the Waiting Period.

• Withdrawals prior to the Income Stage will reduce the Benefit, perhaps significantly, because your future Annual Income Amount will be calculated using a lower Account Value.

• During the Income Stage, no Index Strategies are available other than the 1-year Cap Rate, 1-Year Dual Directional, 1-year Step Rate Plus, and 1-year Enhanced Cap Rate Index Strategies.

• Withdrawals of the Annual Income Amount may be subject to negative Interim Value adjustments and tax consequences.

• Excess Income may be subject to surrender charges, negative Interim Value adjustments, and tax consequences.

• Excess Income may significantly reduce the Annual Income Amount for future Annuity Years, potentially by more than the amount withdrawn.

Return of Purchase Payments Death Benefit

Provides protection for your Beneficiary(ies) by ensuring that they receive the greater of the Return of Purchase Payments Amount and Account Value.

Standard

0%

• The Death Benefit may not be electively terminated.

• The Death Benefit will terminate upon a change of Owner or Annuitant. The Death Benefit for any changed Owner or Annuitant will be Account Value.

• Withdrawals may significantly reduce the benefit, potentially by more than the amount withdrawn.

• The Death Benefit will terminate upon entering the Insured Income Stage for a single Protected Life or if you annuitize your Annuity.

Name of Benefit

Purpose

Standard or Optional

Maximum Fee

Brief Description of Restrictions/Limitations

Performance Lock

Captures the Interim Value of an Index Strategy at the end of any Valuation Day during the Index Strategy Term.

Standard

0%

• Only one Performance Lock may occur for any given Index Strategy during an Index Strategy Term.

• May not be applied retroactively and must be for the full amount of the Interim Value.

• Cannot be reversed.

• Locked Interim Value will no longer participate in the Index Strategy performance for the current Index Strategy Term.

• Locked Interim Value cannot be reallocated until the next Index Anniversary Date, or sooner as provided pursuant to the Flexible Allocation feature.

• We reserve the right to limit the use of the Performance Lock feature for certain Index Strategies.

• We may discontinue the use of this feature for future Performance Lock requests at any time.

Systematic Withdrawal Program

An administrative program designed for you to withdraw a specified amount from your Annuity on an automated basis at the frequency you select.

Standard

0%

• Not available if you are receiving substantially equal periodic payments under Sections 72(t) and 72(q) of the Code or Required Minimum Distributions.

• Terminates upon change of ownership or assignment.

• Systematic withdrawals may be subject to surrender charges, negative Interim Value adjustments, and tax consequences.

Transaction Expenses

Maximum

Sales Charge Imposed on Purchases

None

Sales Charge (as a percentage applied against Account Value being withdrawn)¹

8.00%

Transfer Fee

None

Additional Copies of Reports

$50

Annuity Year

Percentage Applied Against Account Value being Withdrawn

Annuity Year 1

8.0%

Annuity Year 2

8.0%

Annuity Year 3

7.0%

Annuity Year 4

6.0%

Annuity Year 5

5.0%

Annuity Year 6

4.0%

Annuity Year 7 or later

0.0%

*     The years referenced in the CDSC table above refer to the years since Issue Date. During the years that a CDSC may apply, you may withdraw 10% of the Purchase Payment during the first Annuity Year and 10% of the Account Value as of the previous Contract Anniversary Date after the first Annuity Year (Free Withdrawal Amount). CDSCs are waived on Income Withdrawals equal to or less than the Annual Income Amount under the Benefit, as well as RMD withdrawals, even if the withdrawal exceeds the Free Withdrawal Amount available. However, even if CDSCs do not apply, all withdrawals may be subject to negative Interim Value adjustments, taxes, and tax penalties.

Adjustments

Maximum

Interim Value Adjustment Maximum Potential Loss (as a percentage of your investment in an Index Strategy)¹  

100%

Annual Contract Expenses

Current

Maximum

Base Contract¹
Index Linked Variable Income Benefit Charge (as a percentage of the Account Value)

0%
1.70%²

0%
1.70%²

Assuming Maximum Fees and Expenses of any of the  Portfolios Available

1 Year

3 Years

5 Years

10 Years

If you surrender your Contract at the end of the applicable time period:

$11,530

$17,709

$22,968

$36,542

If you annuitize your Contract at the end of the applicable time period:

$3,406

$10,379

$17,569

$36,542

If you do not surrender your Contract at the end of the applicable time period:

$3,406

$10,379

$17,569

$36,542

Assuming Minimum Fees and Expenses of any of the Portfolios Available

1 Year

3 Years

5 Years

10 Years

If you surrender your Contract at the end of the applicable time period:

$11,530

$17,709

$22,968

$36,542

If you annuitize your Contract at the end of the applicable time period:

$3,406

$10,379

$17,569

$36,542

If you do not surrender your Contract at the end of the applicable time period:

$3,406

$10,379

$17,569

$36,542

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)

Cap Rate Index Strategy

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate: 1%

MSCI EAFE¹

International Equities

1-Year

Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate: 1%

Invesco QQQ ETF²

Large-Cap Equities

1-Year

Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate:  1%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

1-Year

Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate:  1%

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Cap Rate Index Strategy

15% Buffer

Minimum Cap Rate:  1%

MSCI EAFE¹

International Equities

1-Year

Cap Rate Index Strategy

15% Buffer

Minimum Cap Rate:  1%

Invesco QQQ ETF²

Large-Cap Equities

1-Year

Cap Rate Index Strategy

15% Buffer

Minimum Cap Rate:  1%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

1-Year

Cap Rate Index Strategy

15% Buffer

Minimum Cap Rate:  1%

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Cap Rate Index Strategy

30% Buffer

Minimum Cap Rate:  1%

MSCI EAFE¹

International Equities

1-Year

Cap Rate Index Strategy

30% Buffer

Minimum Cap Rate:  1%

Invesco QQQ ETF²

Large-Cap Equities

1-Year

Cap Rate Index Strategy

30% Buffer

Minimum Cap Rate:  1%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

1-Year

Cap Rate Index Strategy

30% Buffer

Minimum Cap Rate:  1%

S&P 500^®1

U.S. Large-Cap Equities

1-Year

Cap Rate Index Strategy

100% Buffer

Minimum Cap Rate:  1%

S&P 500^®1

U.S. Large-Cap Equities

3-Year

Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate:  5%

MSCI EAFE¹

International Equities

3-Year

Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate:  5%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

3-Year

Cap Rate 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

Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate:  5%

Invesco QQQ ETF²

Large-Cap Equities

3-Year

Cap Rate Index Strategy

10% Buffer

Minimum Cap Rate: 5%

S&P 500^®1

U.S. Large-Cap Equities

3-Year

Cap Rate Index Strategy

20% Buffer

Minimum Cap Rate:  5%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

3-Year

Cap Rate Index Strategy

20% Buffer

Minimum Cap Rate:  5%

MSCI EAFE¹

International Equities

3-Year

Cap Rate 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

Cap Rate Index Strategy

20% Buffer

Minimum Cap Rate:  5%

Invesco QQQ ETF²

Large-Cap Equities

3-Year

Cap Rate Index Strategy

20% Buffer

Minimum Cap Rate: 5%

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Cap Rate Index Strategy

20% Buffer

Minimum Cap Rate:  10%

MSCI EAFE¹

International Equities

6-Year

Cap Rate Index Strategy

20% Buffer

Minimum Cap Rate:  10%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

6-Year

Cap Rate 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

Cap Rate Index Strategy

20% Buffer

Minimum Cap Rate:  10%

Dimensional International Equity Focus¹

International Equities

6-Year

Cap Rate Index Strategy

20% Buffer

Minimum Cap Rate:  10%

Invesco QQQ ETF²

Large-Cap Equities

6-Year

Cap Rate Index Strategy

20% Buffer

Minimum Cap Rate:  10%

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Cap Rate Index Strategy

30% Buffer

Minimum Cap Rate:  10%

MSCI EAFE¹

International Equities

6-Year

Cap Rate Index Strategy

30% Buffer

Minimum Cap Rate:  10%

iShares^® Russell 2000 ETF²

U.S. Small-Cap Equities

6-Year

Cap Rate 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

Cap Rate Index Strategy

30% Buffer

Minimum Cap Rate:  10%

Dimensional International Equity Focus¹

International Equities

6-Year

Cap Rate Index Strategy

30% Buffer

Minimum Cap Rate:  10%

Invesco QQQ ETF²

Large-Cap Equities

6-Year

Cap Rate Index Strategy

30% Buffer

Minimum Cap Rate: 10%

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Cap Rate Index Strategy

100% Buffer

Minimum Cap Rate: 10%

Enhanced Cap Rate Index Strategy

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%

Participation Rate with Cap Strategy

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Participation Rate with Cap Strategy

10% Buffer

Minimum Participation Rate: 100%
Minimum Cap Rate: 10%

MSCI EAFE¹

International Equities

6-Year

Participation Rate with Cap Strategy

10% Buffer

Minimum Participation Rate: 100%                         Minimum Cap Rate: 10%

iShares® Russell 2000 ETF²

U.S. Small-Cap Equities

6-Year

Participation Rate with Cap Strategy

10% Buffer

Minimum Participation Rate: 100%                         Minimum Cap Rate: 10%

AB 500 Plus Index^SM1

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

6-Year

Participation Rate with Cap Strategy

10% Buffer

Minimum Participation Rate: 100%                         Minimum Cap Rate: 10%

Dimensional International Equity Focus¹

International Equities

6-Year

Participation Rate with Cap Strategy

10% Buffer

Minimum Participation Rate: 100%                         Minimum Cap Rate: 10%

Invesco QQQ ETF²

Large-Cap Equities

6-Year

Participation Rate with Cap Strategy

10% Buffer

Minimum Participation Rate: 100%                         Minimum Cap Rate: 10%

S&P 500^®1

U.S. Large-Cap Equities

6-Year

Participation Rate with Cap Strategy

20% Buffer

Minimum Participation Rate: 100%                       Minimum Cap Rate: 10%

MSCI EAFE¹

International Equities

6-Year

Participation Rate with Cap Strategy

20% Buffer

Minimum Participation Rate: 100%                         Minimum Cap Rate: 10%

iShares® Russell 2000 ETF²

U.S. Small-Cap Equities

6-Year

Participation Rate with Cap Strategy

20% Buffer

Minimum Participation Rate: 100%                     Minimum Cap Rate: 10%

AB 500 Plus Index^SM1

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

6-Year

Participation Rate with Cap Strategy

20% Buffer

Minimum Participation Rate: 100%                         Minimum Cap Rate: 10%

Dimensional International Equity Focus¹

International Equities

6-Year

Participation Rate with Cap Strategy

20% Buffer

Minimum Participation Rate: 100%                         Minimum Cap Rate: 10%

Invesco QQQ ETF²

Large-Cap Equities

6-Year

Participation Rate with Cap Strategy

20% Buffer

Minimum Participation Rate: 100%                         Minimum Cap Rate: 10%

Name

Term

Minimum Guaranteed Interest Rate*

Fixed Account

1-Year

0.25%

Edgar Contract Identifier: C000264565

PLAZFGINC20PROS-ISP