Post-Effective Amendment to Registration Statement by Investment Company - Form 485BPOS

As filed with the SEC on April 16, 2024 .	Registration No's. 333-225953
811-05826
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM N-6
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
Pre-Effective Amendment No. ___	☐
Post-Effective Amendment No. 7	☑
and/or
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
Amendment No. 254	☑
(Check appropriate box or boxes.)
PRUCO LIFE VARIABLE UNIVERSAL ACCOUNT
(Exact Name of Registrant)
PRUCO LIFE INSURANCE COMPANY
(Name of Depositor)
213 Washington Street
Newark, NJ 07102
800-778-2255
(Address and telephone number of principal executive offices)
_____________
Pruco Life Insurance Company
C/O CT Corporation System
3800 North Central Avenue, Suite 460
Phoenix, Arizona 85012
(Name and address of agent for service)
Copies to:
Christopher J. Madin
Vice President and Corporate Counsel
Pruco Life Insurance Company
280 Trumbull Street
Hartford, Connecticut 06103
_____________
Approximate Date of Proposed Public Offering: ___
It is proposed that this filing will become effective (check appropriate space):
☐ immediately upon filing pursuant to paragraph (b) of rule 485
☑ on May 1, 2024, pursuant to paragraph (b) of rule 485
☐ 60 days after filing pursuant to paragraph (a)(1) of Rule 485
☐ on (date) pursuant to paragraph (a)(1) of Rule 485
If appropriate, check the following box:
☑ This Post-Effective Amendment designates a new effective date for a previously filed Post-Effective Amendment.

PROSPECTUS

May 1, 2024

VUL Protector®

AN INDIVIDUAL, FLEXIBLE PREMIUM, VARIABLE UNIVERSAL LIFE INSURANCE CONTRACT ISSUED BY:

PRUCO LIFE INSURANCE COMPANY

PRUCO LIFE VARIABLE UNIVERSAL ACCOUNT

213 WASHINGTON STREET

NEWARK, NEW JERSEY 07102

TELEPHONE: 800-778-2255

The VUL Protector®Contract (2018) was offered from September 21, 2018, through September 30, 2021, under form number VULPR-2018 or ICC18 VULPR-2018, subject to state availability. A state and/or other code may follow the form number. Your Contract's form number is located in the lower left-hand corner of the first page of your Contract.

As of October 1, 2021, Pruco Life Insurance Company no longer offered this Contract for sale.

This prospectus describes the VUL Protector® Contract (2018) (the "Contract") offered by Pruco Life Insurance Company ("Pruco Life", "us", "we", or "our"), a stock life insurance company. Pruco Life is a wholly owned subsidiary of The Prudential Insurance Company of America ("Prudential").

Please read this prospectus for your VUL Protector® (2018) Contract and keep it for future reference. Capitalized terms used in this prospectus are defined where first used or in the GLOSSARY: Definitions Of Special Terms Used In This Prospectus.

You (the "Contract Owner") may choose to invest your Contract's premiums and its earnings in one or more of the available Variable Investment Options of the Pruco Life Variable Universal Account (the "Separate Account" or "Account"). The Account offers a wide variety of Variable Investment Options from the firms listed below. A complete list of the available Funds is included in this prospectus.

Advanced Series Trust	Fidelity® Investments	Neuberger Berman
American Funds®	Franklin Templeton®	Prudential
BNY Mellon	Invesco	TOPS - The Optimized Portfolio System®
Calvert	MFS®

You may also choose to invest your Contract's premiums and its earnings in the Fixed Rate Option, which pays a guaranteed interest rate.

In compliance with U.S. law, Pruco Life delivers this prospectus to Contract Owners that currently reside outside of the United States. In addition, we may not market or offer benefits, features, or enhancements to prospective or current Contract Owners while outside of the United States.

Additional information about certain investment products, including variable life insurance, has been prepared by the Securities and Exchange Commission's ("SEC") staff and is available at www.Investor.gov.

Neither the SEC nor any state securities commission has approved or disapproved of these securities or determined that this Contract is a good investment, nor has the SEC determined that this prospectus is complete or accurate. It is a criminal offense to state otherwise.

The Contract was available for purchase through registered representatives located in banks and other financial institutions. Investment in a variable life insurance contract is subject to risk, including the possible loss of your money. An investment in VUL Protector® is not a bank deposit and is not insured by the Federal Deposit Insurance Corporation ("FDIC") or any other governmental agency.

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TABLE OF CONTENTS

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KEY INFORMATION	1
OVERVIEW OF THE CONTRACT	3
FEE TABLE	4
PRINCIPAL RISKS OF INVESTING IN THE CONTRACT	6
GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS	7
Pruco Life Insurance Company	7
The Pruco Life Variable Universal Account	7
The Funds	7
Service Fees Payable To Pruco Life	8
AST Funds	9
Voting Rights	9
Substitution Of Variable Investment Options	9
The Fixed Rate Option	10
CHARGES AND EXPENSES	10
Sales Charge On Premium	10
Premium-Based Administrative Charge	10
Surrender Charge	10
Cost Of Insurance	11
Administrative Charge For Basic Insurance Amount	12
Mortality And Expense Risk Charge	12
Additional Mortality Charge For Certain Risks	12
Transaction Charges	12
Charges For Rider Coverage	12
Net Interest On Loans	13
Fund Expenses	13
Allocated Charges	13
Charges After Age 121	13
Commissions Paid To Broker-Dealers	13
PERSONS HAVING RIGHTS UNDER THE CONTRACT	13
Contract Owner	13
Beneficiary	14
OTHER GENERAL CONTRACT PROVISIONS	14
Assignment	14
Incontestability	14
Misstatement Of Age Or Sex	14
Suicide Exclusion	14
STANDARD DEATH BENEFITS	14
Types Of Death Benefit	14
Changing the Type Of Death Benefit	15
Decreasing the Basic Insurance Amount	15
Death Claim Settlement Options	15
When Death Benefit Proceeds Are Paid	15
OTHER BENEFITS AVAILABLE UNDER THE CONTRACT	16
LIMITED NO-LAPSE GUARANTEE	17

RIDERS	18
Lapse Protection Rider	18
BenefitAccess Rider	19
Accidental Death Benefit Rider	23
Children Level Term Rider	23
Enhanced Cash Value Rider	23
Enhanced Disability Benefit Rider	23
Living Needs BenefitSM Rider	24
Overloan Protection Rider	25
REQUIREMENTS FOR ISSUANCE OF A CONTRACT	25
Underwriting Procedures	25
Contract Date	26
PREMIUMS	26
Minimum Initial Premium	26
Available Types Of Premium	26
Allocation Of Premiums	27
Valuation Of Variable Investment Options	27
Transfers And Restrictions On Transfers	27
Dollar Cost Averaging	29
Auto-Rebalancing	29
CONTRACT VALUES	29
How a Contract's Cash Surrender Value Will Vary	29
Persistency Credit	30
Loans	30
Withdrawals	31
Surrender Of a Contract	31
When Proceeds Are Paid	32
LAPSE AND REINSTATEMENT	32
TAXES	32
Tax Treatment Of Contract Benefits	32
Company Taxes	35
DISTRIBUTION AND COMPENSATION	35
LEGAL PROCEEDINGS	36
FINANCIAL STATEMENTS	36
ADDITIONAL INFORMATION	36
APPENDIX A: Funds Available Under the Contract	A-i
APPENDIX B: State Availability Or Variations Of Certain Features And Riders	B-i
GLOSSARY: Definitions Of Special Terms Used In This Prospectus	C-i

KEY INFORMATION

Important Information You Should Consider About the Contract

FEES AND EXPENSES
Charges For Early Withdrawals	If you withdraw money from the Contract within the first 14 Contract Years, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $5.31 to $54.15 per $1,000 of Basic Insurance Amount. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $5,415.00. The surrender charge applies to surrenders, lapses, withdrawals from Contracts with a Type A (fixed) Death Benefit, and reductions in Basic Insurance Amount. For more information on early withdrawal charges, please refer to the Surrender Charge subsection of this prospectus.
Transaction Charges	In addition to a surrender charge, you may also be charged for other transactions. Such charges include sales charges on premiums paid under the Contract, administrative charges (to cover local, state and federal taxes), transfer fees, withdrawal fees, and fees for decreases in the Basic Insurance Amount. For more information on transaction charges, please refer to the FEE TABLE and CHARGES AND EXPENSES sections of this prospectus.
Ongoing Fees And Expenses	In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including such fees and expenses as those covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on either a fixed rate or the characteristics of the insured (e.g., age, sex, and rating classification). Investors should view the data pages of their Contract for applicable rates. Contract Owners will also bear expenses associated with the Funds under the Contract, as shown in the following table:
Annual Fee	Minimum	Maximum
Investment options (Fund fees and expenses)	0.29%	1.16%
For more information on ongoing fees and expenses, please refer to the FEE TABLE section of this prospectus and APPENDIX A, which is part of this prospectus.
RISKS
Risk Of Loss	You can lose money by investing in the Contract. For more information please refer to the PRINCIPAL RISKS OF INVESTING IN THE CONTRACT section of this prospectus.
Not a Short-Term Investment	The Contract is not a short-term investment and may not be appropriate if you need ready access to cash. The Contract is designed to provide benefits on a long-term basis. Consequently, you should not use the Contract as a short-term investment or savings vehicle. Because of the long-term nature of the Contract, you should consider whether purchasing the Contract is consistent with the purpose for which it is being considered. For more information please refer to the PRINCIPAL RISKS OF INVESTING IN THE CONTRACT section of this prospectus.
Risks Associated With 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 Funds available under the Contract, each of which has its own unique risks. You should review the Funds' prospectuses before making an investment decision. Fund prospectuses are available at www.Prudential.com/eProspectus or by calling 800-778-2255. For more information on the Funds, please refer to the The Funds subsection of this prospectus.
Insurance Company Risks	An investment in the Contract is subject to the risks related to Pruco Life. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life. More information about Pruco Life, including its financial strength ratings, is available upon request and at www.Investor.Prudential.com/Ratings. For more information please refer to the GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS section of this prospectus.
Contract Lapse	Death Benefits will not be paid if the Contract has lapsed. The Contract will lapse if it is in default unless sufficient premium payments are made or it remains in force under the Limited No-Lapse Guarantee or the Rider To Provide Lapse Protection. The Contract is in default if the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less. The Contract will also be in default if, at any time, the Contract Debt equals or exceeds the Contract Fund, less any applicable surrender charge, unless it remains in force under the Overloan Protection Rider (if applicable). Poor investment performance, insufficient premium payments, withdrawals, and loans are some of the factors that could cause your Contract to lapse. A Contract that lapses may be reinstated within five years from the date of default upon the completion of certain conditions, including the submission of certain payments sufficient to bring the Contract up to date, plus a premium to cover all charges and deductions for three months from the date of reinstatement. For more information please refer to the LAPSE AND REINSTATEMENTsection of this prospectus.

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RESTRICTIONS
Investments	You may, up to 12 times each Contract Year, transfer amounts among the Variable Investment Options. Additional transfers may be made only with our consent. Generally, only one transfer from the Fixed Rate Option will be permitted during each Contract Year. The maximum amount per Contract Year you may transfer out of the Fixed Rate Option each year is the greatest of: (a) 25% of the amount in the Fixed Rate Option; (b) $5,000; and (c) the amount transferred from the Fixed Rate Option to the Variable Investment Options in the prior Contract Year (if applicable). Transfers may generally be made by mail, phone, fax or website. Contracts that are jointly owned or assigned generally cannot conduct transfers by phone, fax or website. We reserve the right to remove or substitute Variable Investment Options. For more information on investment and transfer restrictions, please refer to the Transfers And Restrictions On Transfers subsection of this prospectus and APPENDIX A.
Optional Benefits	As a Contract Owner, you may be able to obtain extra fixed benefits, which may require additional charges. These optional insurance benefits are described in what is known as a "rider" to the Contract. Riders are generally only available at Contract issuance, unless noted otherwise. Some riders may depend on the performance of the Contract Fund. Rider benefits will no longer be available if the Contract lapses and most rider benefits will no longer be available if you choose to keep the Contract in force under the Overloan Protection Rider. Some riders are not available in conjunction with other riders and other restrictions may apply. Investment options will be restricted if certain riders are exercised. Some riders described in this prospectus may be subject to state variations or may not be available in all states. Please refer to APPENDIX B, which is part of this prospectus, for state availability and a description of all material variations to riders and features that differ from the description contained in the prospectus. For more information on optional benefits under the Contract, please refer to the RIDERS section of this prospectus.
TAXES
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. Withdrawals may be subject to ordinary income tax and a 10% additional tax. For more information on tax implications relating to Contract investments, please refer to the TAXES section of this prospectus.
CONFLICTS OF INTEREST
Investment Professional Compensation	Investment professionals receive compensation for selling the Contract to investors and may have a financial incentive to offer or recommend the Contract over another investment. Compensation (commissions, overrides, and any expense reimbursement allowance) is paid to broker-dealers that are registered under the Securities Exchange Act of 1934 and/or entities that are exempt from such registration ("firms"). The individual representative will receive all or a portion of the compensation, depending on the practice of the firm. For more information on investment professional compensation, please refer to the DISTRIBUTION AND COMPENSATION section and the Commissions Paid To Broker-Dealers subsection of this prospectus.
Exchanges	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 existing life insurance contract if you determine after comparing the features, fees, and risks of both contracts, that it is preferable to purchase the contract, rather than continue to own your existing contract. For more information on exchanges, please refer to the paragraph titled Replacement Of a Contract in the PRINCIPAL RISKS OF INVESTING IN THE CONTRACTsection of this prospectus.

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OVERVIEW OF THE CONTRACT

The following summaries provide a brief overview of the more significant aspects of the Contract. We provide more complete and detailed information in the subsequent sections of this prospectus and in the statement of additional information and Contract.

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FEE TABLE

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Your Contract's data pages will provide information about the specific fees you will pay each year based on the options you have elected. For more information please refer to the CHARGES AND EXPENSES section in this prospectus.

The first table describes the maximum fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer cash value between investment options.

TRANSACTION FEES
Charge	When Charge Is Deducted	Amount Deducted
Sales Charge On Premiums (load)	Deducted from premium payments.	6%
Premium-Based Administrative Charge (Charge for state and federal premium taxes and other charges that are based on premiums.)	Deducted from premium payments.	7.5%
Surrender Charge(1) (Minimum and maximum per $1,000 of Basic Insurance Amount.) _____________ Initial surrender charge for a representative Contract Owner.(2)	Upon lapse, surrender, or decrease in Basic Insurance Amount.	From $5.31 to $54.15 _____________ $29.27
Transfer fee	Each transfer exceeding 12 in any Contract Year.	$25
Withdrawal fee	Upon withdrawal.	$25
Basic Insurance Amount decrease fee	Upon decrease in Basic Insurance Amount.	$25
BenefitAccess Rider fee	One-time charge if the Terminal Illness Option of the rider is exercised.	$150
Enhanced Cash Value Rider fee (per $1,000 of Basic Insurance Amount)	One-time charge applied on first month of processing.	$0.50
Living Needs BenefitSM Rider fee	When benefit is paid.	$150
Overloan Protection Rider fee (percentage of the Contract Fund amount)	One-time charge upon exercising the rider benefit.	3.5%

(1)The surrender charge amount per $1,000 varies based on Contract duration as well as on the individual characteristics of the insured, including issue age, sex, and underwriting classification. The maximum surrender charge amount per $1,000 applies in the first Contract Year to a male, age 65, with a nonsmoker substandard class C and higher underwriting classification. The charge decreases to zero by the end of the 14th year.

(2)Representative insured is female, age 60, preferred best underwriting class, no ratings or extras.

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The next table describes the maximum Contract fees and expenses that you will pay periodically during the time you own the Contract, not including the Funds' fees and expenses.

PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES
Charge	When Charge Is Deducted	Amount Deducted
Base Contract Charges:
Cost Of Insurance ("COI") for the Basic Insurance Amount. (Minimum and maximum charge per $1,000 of the Net Amount At Risk.) _____________ Initial charge for a representative Contract Owner.(4)	Monthly	From $.0067 to $83.34(1)(2)(3) _____________ $0.31
Administrative Charge For Basic Insurance Amount (Minimum and maximum charge (charge per $1,000 of Basic Insurance Amount plus a flat fee).) _____________ Initial charge for Basic Insurance Amount for a representative Contract Owner.(4)	Monthly	$0.07 to $8.21 plus $9(2)(7) _____________ $0.41 plus $9
Mortality And Expense Risk Charge (Calculated as a percentage of assets in Variable Investment Options.)	Daily	0.45%(5)
Additional Mortality Charge For Certain Risks associated with health conditions, occupations, avocations, or aviation. (Flat extra per $1,000 of Basic Insurance Amount.)	Monthly	From $0.10 to $2.08(2)(6)
Net Interest On Loans	Annually	1% for standard loans. 0.05% for preferred loans.
Optional Benefits Charges:
Accidental Death Benefit Rider Minimum and maximum charge per $1,000 of the coverage amount. _____________ Charge for a representative Contract Owner.(4)	Monthly	From $0.04 to $0.28(2)(7) _____________ $0.14
BenefitAccess Rider 2% Monthly Benefit Percentage: Minimum and maximum charge per $1,000 of the Net Amount At Risk. Initial charge for a representative Contract Owner.(4) _____________ 4% Monthly Benefit Percentage: Minimum and maximum charge per $1,000 of the Net Amount At Risk. Initial charge for a representative Contract Owner.(4)	Monthly	From $0.0023 to $16.21(1)(2) $0.0191 _____________ From $0.004 to $24.32(1)(2) $0.0286
Children Level Term Rider (Charge per $1,000 of the coverage amount.)	Monthly	$0.42
Enhanced Disability Benefit Rider(8) Minimum and maximum charges (percentage of the monthly benefit amount). _____________ Charge for a representative Contract Owner.(4)	Monthly	From 7.08% to 12.17%(2)(7) _____________ 12.17%

(1)The charge varies based on the individual characteristics of the insured, including such characteristics as age, sex, and underwriting classification, and Contract duration.

(2)The charge shown in the table may not be representative of the charge that a particular Contract Owner will pay. You may obtain more information about the particular charges that apply to you by contacting your Pruco Life representative.

(3)The highest COI rate is for an insured who is a male/female age 120.

(4)Representative insured is female, age 60, preferred best underwriting class, no ratings or extras, with a $250,000 Basic Insurance Amount.

(5)The daily charge is based on the effective annual rate shown.

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(6)The amount and duration of the charge will vary based on individual circumstances including issue age, type of risk, and the frequency of exposure to the risk.

(7)The charge varies based on the individual characteristics of the insured, including such characteristics as age, sex, and underwriting classification.

(8)The monthly benefit amount is the greater of: 9% of the Contract's Limited No-Lapse Guarantee Premium (including premiums for riders and flat extras) and the total of all monthly deductions.

The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. A complete list of Funds available under the Contract, including their annual expenses, may be found in APPENDIX A.

Annual Fund Expenses	Minimum	Maximum
(Expenses that are deducted from the Funds' assets, including management fees, any distribution and/or service (12b-1) fees, and other expenses, but not including reductions for any fee waiver or other reimbursements.)	0.29%	1.16%

PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

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GENERAL DESCRIPTIONS OF PRUCO LIFE INSURANCE COMPANY, THE REGISTRANT, AND THE FUNDS

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CHARGES AND EXPENSES

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PERSONS HAVING RIGHTS UNDER THE CONTRACT

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OTHER GENERAL CONTRACT PROVISIONS

STANDARD DEATH BENEFITS

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OTHER BENEFITS AVAILABLE UNDER THE CONTRACT

Name Of Benefit	Purpose	Is Benefit Standard Or Optional	Brief Description Of Restrictions/Limitations
Limited No-Lapse Guarantee(1)	Provides limited guarantee against Contract lapse for first five Contract Years. Contract will not lapse as a result of unfavorable investment performance, subject to limitations.	Standard	•Withdrawals may void the guarantee. •Outstanding Contract loans will void the guarantee. •Only available if you have no Contract Debt and your Accumulated Net Payments is greater than the No-Lapse Guarantee Value.
Rider To Provide Lapse Protection(1)	Provides guarantee that, beginning in the sixth Contract year, Contract will be kept in force and will not lapse.	Standard	•Outstanding Contract loans will void the guarantee. •Only available if the No-Lapse Guarantee Value is greater than zero and there is no excess Contract Debt.
BenefitAccess Rider(1)	Provides for an acceleration of the Death Benefit if the insured becomes Chronically Ill or Terminally Ill.	Optional	•Benefits are subject to certain eligibility requirements, and approval of the claim. •A minimum Basic Insurance Amount of $100,000 is required for a Contract to be issued with the BenefitAccess Rider. •Not available on Contracts that include the Enhanced Disability Benefit Rider or the Living Needs BenefitSM Rider.
Accidental Death Benefit Rider(1)	Provides an additional Death Benefit that is payable if the insured's death is accidental.	Optional	•Death resulting from injury must occur no more than 90 days after the injury. •Benefit will end on the earlier of: the end of the day before the first Contract Anniversary on or after the insured's 100th birthday and the first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office. •Payments will not be paid for any death or injury that is caused or contributed to by war or an act of war. •Not available on Contracts that have the Overloan Protection Rider.
Children Level Term Rider(1)	Provides term life insurance coverage on the life of the insured's covered children.	Optional	Coverage on each dependent insured will end on the earliest of: •The end of the day before the first Contract Anniversary on or after the primary insured's 75th birthday; •The end of the day before the first Contract Anniversary on or after the child's 25th birthday; •The end of the day before the date a rider is converted to a new Contract; and •The first Monthly Date on or after the date a request to discontinue the rider is received in Good Order at a Service Office.
Enhanced Cash Value Rider(1)	Provides an Additional Amount upon full surrender of the Contract for its surrender value.	Optional	•Benefit not payable when the Contract is surrendered in connection with an exchange. •Rider cannot be removed after the Contract is issued. •A minimum Basic Insurance Amount of $250,000 is required for a Contract to be issued with the Enhanced Cash Value Rider.

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Name Of Benefit, continued	Purpose	Is Benefit Standard Or Optional	Brief Description Of Restrictions/Limitations
Enhanced Disability Benefit Rider(1)	Pays a monthly benefit amount into the Contract if the insured is totally disabled.	Optional	•Coverage will end as of the first Contract Anniversary on or after the insured's 65th birthday. •For total disability occurring on or after the first Contract Anniversary following the insured's 60th birthday, payments will only be made until the month before the first Contract Anniversary following the insured's 65th birthday and while the insured remains totally disabled. •Payments will not be paid for any death or injury that is caused or contributed to by war or an act of war. •Not available with Contracts that include the BenefitAccess Rider.
Living Needs BenefitSM Rider(1)	Allows you to elect to receive an accelerated payment of all or part of the Death Benefit, adjusted to reflect current value, if the insured becomes terminally ill or is confined to a nursing home.	Optional	•Requires certification of a physician for benefits to be paid. •No benefit will be payable if you are required to elect it in order to meet the claims of creditors or to obtain a government benefit. •With the exception of certain business-related Contracts, this benefit is excluded from income if the insured is terminally ill or chronically ill. •Not available with Contracts that include the BenefitAccess Rider.
Overloan Protection Rider	If exercised, guarantees protection against Contract lapse due to loans, even if the Contract Debt exceeds the cash value of the Contract.	Optional	•Only available when Guideline Premium(2) is selected as the definition of life insurance test. •Subject to various eligibility requirements, including the Contract must be in force for the later of 15 years and the Contract Anniversary after the insured's 75th birthday. •If this rider is exercised, most riders will be terminated and most Contract changes and transactions will be prohibited. •Not available on Contracts that have the Accidental Death Benefit Rider.

(1)Rider benefits will no longer be available if the Contract lapses, or if you choose to keep the Contract in force under the Overloan Protection Rider.

(2)Under the Guideline Premium Test, there is a limit as to the amount of premium that can be paid into the Contract in relation to the Death Benefit. In addition, there is a minimum ratio of Death Benefit to cash value associated with this test.

LIMITED NO-LAPSE GUARANTEE

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RIDERS

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Example: Shown below is hypothetical example of how an accelerated benefit under the Terminal Illness Option will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed.
Sex and issue age: Male, 45 Contract Date: 06/05/2017	Underwriting classification: preferred best Claim date: 06/05/2027
Contract values as of 06/05/2027 (before acceleration of Death Benefit):	Contract values as of 06/05/2027 (after acceleration of Death Benefit)*:
100% of Death Benefit	50% of Death Benefit
Benefit Payment payable:	- - -	$191,260	$95,555
Basic Insurance Amount:	$200,000	$0	$100,000
Contract Debt:	$1,040	$0	$520
Death Benefit:	$198,960	$0	$99,480
Contract Fund:	$12,200	$0	$6,100
Surrender Charge:	$860	$0	$430
Cash value:	$11,340	$0	$5,670
Cash Surrender Value:	$10,300	$0	$5,150
Annual premium:	$1,588	$0	$857
*A six-month discount at an annual rate of 8% has been applied for early payment. A transaction charge of $150 has been deducted following each acceleration.

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long as this rider is in effect, even if subsequent Benefit Payments are no longer made.

Reduction factor = 1 - (A / B)

Where: A = is the gross Chronic Illness Option Benefit Payment, and

B = is the Death Benefit immediately prior to the Benefit Payment.

Example: Shown below is a hypothetical example of an accelerated benefit under the Chronic Illness Option and how the accelerated benefit will impact the Contract. The figures used are for illustrative purposes only and are not guaranteed.
Sex and issue age: Male, 45 Contract Date: 06/05/2017 Basic Insurance Amount: $500,000	Underwriting classification: preferred best Claim date: 10/04/2019 Death Benefit Option: Type A (fixed)
Lifetime Benefit Amount is equal to the Death Benefit at the time of initial claim = $500,000. Maximum Monthly Benefit Payment, calculated at the beginning of each Benefit Year using the IRS per diem limitation and your Lifetime Benefit Amount, is equal to the lowest of: (a) The Lifetime Benefit Amount multiplied by the Monthly Benefit Percent (2% in this example): $500,000 x 0.02 = $10,000; (b) Per diem limitation (a maximum allowable amount declared annually by the IRS for chronic illness payments under Section 7702B) in effect at the start date of the current benefit year ($360 for 2017) times 30: $360 x 30 = $10,800); and (c) Initial Daily Benefit Limit (which is the per diem limitation in effect on the Contract Date) compounded annually on each anniversary at the Daily Benefit Limit Compound Rate times 30. This limit on the Contract Date was $360, increased annually on each succeeding Contract Anniversary by the Daily Benefit Limit Compound Rate, resulting in a current daily benefit limit in Contract Year 3 of $389.38: $389.38 x 30 = $11,681.40. The Monthly Benefit Percent, Initial Daily Benefit Limit and the Daily Benefit Limit Compound Rate vary based upon the characteristics of the insured and can be found in the Contract. The reduction factor equals 1 minus the quotient of the gross Chronic Illness Benefit Payment divided by the Death Benefit prior to payment: 1 - (10,000/500,000) = 1 - 0.0200 = 0.9800 The Chronic Illness Benefit payable is equal to the Maximum Monthly Benefit Payment minus the loan reduction amount. ($10,000 - $20.80 = $9,979.20)
Contract values as of 10/04/2019 (before acceleration of Death Benefit):	Contract values as of 10/04/2019 (after acceleration of Death Benefit):
Benefit Payment payable:	- - -	$9,979.20
Basic Insurance Amount:	$500,000	$490,000 (500,000 x 0.9800)
Contract Debt:	$1,040	$1,019.20 (1,040 x 0.9800)
Death Benefit:	$498,960	$488,980.80
Contract Fund:	$20,000	$19,600 (20,000 x 0.9800)
Surrender Charge:	$3,350	$3,283.00 (3,350 x 0.9800)
Cash value:	$16,650	$16,317
Cash Surrender Value:	$15,610	$15,298
Annual premium:	$3,816	$3,734

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Examples: The examples below demonstrate benefits accelerated as a lump sum(1) under the Living Needs BenefitSM (LNB) Rider and how the accelerated benefit will impact the Contract.The figures used are for illustrative purposes only and are not guaranteed.
Sex And Issue Age: male, 45 Contract Date: 12/20/2021 Basic Insurance Amount: $200,000	Underwriting Classification: preferred best Claim Date: 12/20/2031 Death Benefit Option: Type A (fixed)
These hypothetical examples assume a (1) Death Benefit of $200,000, (2) a reduction at an annual rate of 8% applied for early payment based on the applicable life expectancy, and (3) a processing fee of $150 has been deducted. Example results (rounded to the nearest dollar):
LNB Terminal Illness Option(2)	LNB Nursing Home Option(3)
% of Death Benefit accelerated:	100%	50%	100%	50%
Accelerated Death Benefit payment:	$191,260	$95,555	$162,781	$81,315
Contract values before acceleration:	Contract values after acceleration of Death Benefit:
Basic Insurance Amount:	$200,000	$0	$100,000	$0	$100,000
Contract Debt:	$1,040	$0	$520	$0	$520
Death Benefit:	$198,960	$0	$99,480	$0	$99,480
Contract Fund:	$12,200	$0	$6,100	$0	$6,100
Surrender Charge:	$860	$0	$430	$0	$430
Cash value:	$11,340	$0	$5,670	$0	$5,670
Cash Surrender Value:	$10,300	$0	$5,150	$0	$5,150
Annual premium:	$1,588	$0	$857	$0	$857

(1)Receiving the accelerated Death Benefit via monthly payments may be an option available to you and we can provide more information upon request.

(2)An assumed six month life expectancy always applies.

(3)Assumes an average life expectancy for a male, age 55, confined to a nursing home.

24

REQUIREMENTS FOR ISSUANCE OF A CONTRACT

25

PREMIUMS

26

27

28

CONTRACT VALUES

29

30

31

LAPSE AND REINSTATEMENT

TAXES

32

33

34

DISTRIBUTION AND COMPENSATION

35

LEGAL PROCEEDINGS

FINANCIAL STATEMENTS

ADDITIONAL INFORMATION

36

APPENDIX A: Funds Available Under the Contract

Table Of Funds
Type	Fund - Investment Manager(s) / Subadviser(s)	Current Expense	Average Annual Total Returns As Of 12/31/2023
1 year	5 year	10 year
Large-Cap Growth	American Funds Insurance Series® Growth Fund (Class 2) - Capital Research and Management CompanySM	0.59%	38.49%	18.68%	14.36%
Large-Cap Blend	American Funds Insurance Series® Growth-Income Fund (Class 2) - Capital Research and Management CompanySM	0.53%	26.14%	13.36%	10.91%
Global/International	American Funds Insurance Series® International Fund (Class 2) - Capital Research and Management CompanySM	0.78%	15.84%	4.83%	3.41%
Large Value	American Funds Insurance Series® Washington Mutual Investors Fund (Class 2) - Capital Research and Management CompanySM	0.52%^	17.29%	12.60%	9.91%
Balanced	AST Advanced Strategies Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / Jennison Associates LLC; J.P. Morgan Investment Management, Inc.; LSV Asset Management; PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC; PGIM Real Estate	0.91%^	14.48%	7.94%	6.33%
Asset Allocation	AST Balanced Asset Allocation Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / ClearBridge Investments, LLC; Jennison Associates LLC; J.P. Morgan Investment Management, Inc.; Massachusetts Financial Services Company; PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC; Wellington Management Company LLP	0.90%^	15.77%	7.86%	6.14%
Fixed Income	AST Core Fixed Income Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / PGIM Fixed Income; PGIM Limited; Wellington Management Company LLP; Western Asset Management Company, LLC; Western Asset Management Company Limited	0.72%	6.35%	1.11%	2.28%
Fixed Income	AST Global Bond Portfolio - PGIM Investments LLC / AllianceBernstein L.P.; Goldman Sachs Asset Management, L.P.; Goldman Sachs Asset Management International; Wellington Management Company LLP	1.01%	6.29%	0.56%	N.A.
Global/International	AST International Equity Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / Jennison Associates LLC.; J.P. Morgan Investment Management Inc.; LSV Asset Management; Massachusetts Financial Services Company; PGIM Quantitative Solutions LLC	1.06%	17.75%	10.39%	6.08%
Balanced	AST J.P. Morgan Tactical Preservation Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / J.P. Morgan Investment Management, Inc.	1.03%	10.35%	5.08%	4.07%
Large-Cap Growth	AST Large-Cap Growth Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / ClearBridge Investments, LLC.; Jennison Associates LLC; Massachusetts Financial Services Company; T. Rowe Price Associates, Inc.	0.93%	43.63%	15.03%	13.40%
Large-Cap Value	AST Large-Cap Value Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / Hotchkis & Wiley Capital Management, LLC; Massachusetts Financial Services Company; T. Rowe Price Associates, Inc.; Wellington Management Company LLP	0.84%	9.75%	13.37%	9.19%
Global/International	AST MFS Global Equity Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / Massachusetts Financial Services Company	1.12%	14.02%	10.15%	7.11%
Mid-Cap Growth	AST Mid-Cap Growth Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / Delaware Investments Fund Advisers; J.P. Morgan Investment Management, Inc.; Massachusetts Financial Services Company; TimesSquare Capital Management, LLC	1.12%	21.94%	10.31%	7.82%

A-i

Table Of Funds, continued
Type	Fund - Investment Manager(s) / Subadviser(s)	Current Expense	Average Annual Total Returns As Of 12/31/2023
1 year	5 year	10 year
Asset Allocation	AST Preservation Asset Allocation Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / ClearBridge Investments, LLC; Jennison Associates LLC; J.P. Morgan Investment Management, Inc.; Massachusetts Financial Services Company; PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC; Wellington Management Company LLP	0.92%^	11.78%	4.63%	4.14%
Balanced	AST Prudential Growth Allocation Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / Jennison Associates LLC; PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC; PGIM Real Estate	0.89%	18.06%	7.27%	6.17%
Asset Allocation	AST T. Rowe Price Asset Allocation Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / T. Rowe Price Associates, Inc.; T. Rowe Price International Ltd.; T. Rowe Price Australia Ltd.	0.89%	16.86%	8.37%	6.40%
Mid-Cap Blend	BNY Mellon MidCap Stock Portfolio (Service Shares) - BNY Mellon Investment Adviser, Inc. / Newton Investment Management North America, LLC	1.05%^	17.99%	10.42%	7.17%
Large-Cap Blend	BNY Mellon Sustainable U.S. Equity Portfolio, Inc. (Service Shares) - BNY Mellon Investment Adviser, Inc. / Newton Investment Management Limited	0.92%	23.50%	14.85%	10.18%
Global/International	CVT EAFE International Index Portfolio (Class F) (formerly Calvert VP EAFE International Index Portfolio) - Calvert Research and Management	0.68%^	17.53%	7.61%	3.58%
Large-Cap Blend	CVT Nasdaq 100 Index Portfolio (Class F) (formerly Calvert VP Nasdaq 100 Index Portfolio) - Calvert Research and Management / Ameritas Investment Partners, Inc.	0.73%^	54.02%	21.79%	17.05%
Mid-Cap Blend	CVT S&P MidCap 400® Index Portfolio (Class F) (formerly Calvert VP S&P MidCap 400® Index Portfolio) - Calvert Research and Management / Ameritas Investment Partners, Inc.	0.53%^	15.89%	12.06%	8.66%
Large Growth	Fidelity® VIP ContrafundSM Portfolio (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers	0.81%	33.12%	16.36%	11.33%
Large-Cap	Fidelity® VIP Index 500 Portfolio (Service Class 2) - Fidelity Management & Research Company LLC (FMR) / Geode Capital Management, LLC (Geode)	0.35%	25.88%	15.27%	11.64%
Mid-Cap Growth	Fidelity® VIP Mid Cap Portfolio (Service Class 2) - Fidelity Management & Research Company LLC (FMR) and other investment advisers	0.82%	14.80%	12.17%	7.85%
Large-Cap Value	Franklin Income VIP Fund (Class 2) - Franklin Advisers, Inc.	0.71%^	8.62%	6.98%	5.01%
Large-Cap Value	Invesco V.I. Growth and Income Fund (Series I) - Invesco Advisers, Inc.	0.75%	12.66%	11.77%	8.25%
Intermediate Core-Plus Bond	MFS® Total Return Bond Series (Initial Class) - Massachusetts Financial Services Company	0.53%^	7.38%	1.85%	2.22%
Specialty	MFS® Utilities Series (Initial Class) - Massachusetts Financial Services Company	0.79%^	(2.11)%	8.31%	6.39%
Large Value	MFS® Value Series (Initial Class) - Massachusetts Financial Services Company	0.69%^	7.93%	11.34%	8.52%
Specialty	Neuberger Berman AMT Sustainable Equity Portfolio (Class S) - Neuberger Berman Investment Advisers LLC	1.16%	26.57%	13.69%	9.74%
Global/International	PSF Global Portfolio (Class I) - PGIM Investments LLC / LSV Asset Management; Massachusetts Financial Services Company; PGIM Quantitative Solutions LLC ; T. Rowe Price Associates, Inc.; William Blair Investment Management, LLC	0.83%	19.59%	11.64%	8.28%
Mid-Cap Growth	PSF Mid-Cap Growth Portfolio (Class I) - PGIM Investments LLC / J.P. Morgan Investment Management Inc.	0.66%	23.55%	15.20%	9.83%
Balanced	PSF PGIM 50/50 Balanced Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC	0.57%	15.45%	8.07%	6.59%

A-ii

Table Of Funds, continued
Type	Fund - Investment Manager(s) / Subadviser(s)	Current Expense	Average Annual Total Returns As Of 12/31/2023
1 year	5 year	10 year
Balanced	PSF PGIM Flexible Managed Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC	0.62%	17.93%	9.17%	7.60%
Money Market	PSF PGIM Government Money Market Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income	0.33%	4.87%	1.69%	1.06%
Fixed Income	PSF PGIM High Yield Bond Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income; PGIM Limited	0.61%	11.82%	5.94%	5.17%
Large-Cap Growth	PSF PGIM Jennison Blend Portfolio (Class I) (includes all assets from PSF PGIM Jennison Focused Blend Portfolio) - PGIM Investments LLC / Jennison Associates LLC	0.46%	32.52%	14.71%	10.52%
Large-Cap Growth	PSF PGIM Jennison Growth Portfolio (Class I) - PGIM Investments LLC / Jennison Associates LLC	0.62%	53.51%	18.27%	14.33%
Large-Cap Value	PSF PGIM Jennison Value Portfolio (Class I) - PGIM Investments LLC / Jennison Associates LLC	0.42%	15.20%	12.10%	7.71%
Fixed Income	PSF PGIM Total Return Bond Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income; PGIM Limited	0.43%	7.27%	1.75%	2.77%
Small-Cap Blend	PSF Small-Cap Stock Index Portfolio (Class I) (includes all assets from PSF Small-Cap Value Portfolio) - PGIM Investments LLC / PGIM Quantitative Solutions LLC	0.38%	15.74%	10.69%	8.36%
Large-Cap Blend	PSF Stock Index Portfolio (Class I) - PGIM Investments LLC / PGIM Quantitative Solutions LLC	0.29%	25.92%	15.34%	11.73%
Large-Cap Value	^^Templeton Growth VIP Fund (Class 2) - Templeton Global Advisers Limited / Templeton Asset Management Ltd.	1.12%^	21.01%	6.47%	3.24%
Asset Allocation	TOPS® Aggressive Growth ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC	0.54%	17.37%	10.55%	7.42%
Asset Allocation	TOPS® Balanced ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC	0.55%	11.39%	6.39%	4.51%
Asset Allocation	TOPS® Conservative ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC	0.56%	9.19%	4.84%	3.37%
Asset Allocation	TOPS® Growth ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC	0.54%	16.09%	9.48%	6.54%
Asset Allocation	TOPS® Managed Risk Balanced ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC	0.77%	9.02%	4.83%	3.24%
Asset Allocation	TOPS® Managed Risk Growth ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC	0.75%	11.14%	5.86%	3.33%
Asset Allocation	TOPS® Managed Risk Moderate Growth ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC	0.75%	10.33%	5.51%	3.52%
Asset Allocation	TOPS® Moderate Growth ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC	0.54%	13.47%	7.96%	5.58%

^The Fund's annual current expense reflects temporary fee reductions.

^^Effective September 12, 2022, the Fund closed to new and additional investment.

A-iii

APPENDIX B: State Availability Or Variations Of Certain Features And Riders

State	Feature or Rider	Availability or Variation
CA	Allocation of Premiums Transfers/Restrictions on Transfers	The sections Allocation of Premiums and Transfers/Restrictions on Transfers are modified to include the following: If you are age 60 or older at issue, unless you ask us otherwise, we will allocate all net premiums into the money market investment option until 30 days after you receive this Contract. At the end of that day (unless you ask us otherwise) we will re-allocate the amount in the money market investment option in accordance with your current premium allocation.
CA	Canceling the Contract ("Free-Look")	The section Canceling the Contract is modified to include the following: If you are age 60 or older at issue, you may return the Contract for a refund within 30 days after you receive it. Your refund amount will depend on whether or not you directed us to allocate your invested premium outside of the money market investment option during this period. If you did not direct us to allocate net premiums outside of the money market investment option, you will receive a refund of all premium payments made and any charges deducted or fees paid, less any applicable federal and/or state income tax withholding. If you did direct us to allocate net premiums outside of the money market investment option, you will receive a refund of the Contract Fund (which includes any investment results) plus the amount of any charges that have been deducted or fees paid, less any applicable federal and/or state income tax withholding. A Contract returned according to this provision shall be deemed void from the beginning.
CA	BenefitAccess Rider	The following is added: RIGHT TO CANCEL: You may return the rider for a refund within 30 days after you receive it. Written Consent: You must provide the consent, in writing, of any assignee and irrevocable beneficiary(ies) on the Contract authorizing the acceleration of the Contract's Death Benefit. Conditions for Eligibility of Benefit Payments are hereby deleted and replaced with the following: Terminal Illness Option You are eligible to receive an accelerated death benefit under the Terminal Illness Option when the following conditions have been met: (a) The contract must be in force and the insured must be living; (b) You must provide Written Certification by a Licensed Health Care Practitioner that the insured's life expectancy is 12 months or less. Chronic Illness Option You are eligible to receive an accelerated death benefit under the Chronic Illness Option when the following conditions have been met:

B-i

(a) The Contract must be in force and the insured must be living; (b) We must receive proof that a Licensed Health Care Practitioner has certified, in writing, that the insured is Chronically Ill and is not expected to recover during the insured's lifetime; (c) We must receive authorization from the insured to obtain copies of any relevant medical records that we require; (d) You must not have received a Benefit Payment under the Terminal Illness Option. You may select your own Licensed Health Care Practitioner to certify that the insured is Chronically Ill. We will send you a form that your Licensed Health Care Practitioner must complete and return to us. The certification must occur on or after the Contract effective date. We reserve the right to verify that all of the conditions of eligibility have been satisfied and to determine if the insured is eligible for benefits. An independent Licensed Health Care Practitioner shall certify that the insured is Chronically Ill. In order to be considered "independent", a Licensed Health Care Practitioner shall not be an employee of the insurer and shall not be compensated in any manner that is linked to the outcome of the certification. If the insured is not personally examined by a Licensed Health Care Practitioner and a determination is made that the insured is not Chronically Ill, we will notify you of the right to obtain a second assessment by a Licensed Health Care Practitioner, upon request, who shall personally examine the insured. Approximately ninety days prior to the end of each Benefit Year, we will send you a request for Recertification, which must be completed and returned to us prior to the start of the next Benefit Year to satisfy us that the insured continues to be eligible for Benefit Payment. You will be notified if you continue to be eligible for Benefit Payments. If we do not receive Recertification prior to the end of the Benefit Year, any subsequent request will be treated as a new claim. The following is added to Benefit Payments: Terminal Illness Option We reserve the right to set a minimum of no more than $50,000 on the amount of the Death Benefit you may exercise under this option. Chronic Illness Option You may choose to receive a single, lump-sum Benefit Payment. If you choose to accelerate the entire Death Benefit, the Contract and all other benefits on the life of the insured will end and any Rider for Level Term Insurance Benefit on Dependent Children will become paid up. The single, lump-sum payment will equal the Death Benefit Amount multiplied by the discount factor, and will never be less than the Contract Fund less any Contract Debt. Generally, any amount received over the IRS limits will be taxable. If there is an outstanding loan at the time the single lump-sum payment is made, a portion of the Benefit Payment will be used to repay the loan. The discount rate used to determine the present value will be based on the insured life expectancy at the time the payment is made and will not exceed the greater of (1) the current yield on 90-day federal treasury bills, and (2) the current maximum statutory adjustable contract loan interest rate. The following is deleted from the Chronic Illness Option in Benefit Payments: Generally, the Monthly Benefit Percent used to determine the Maximum Monthly Benefit Payment is 2%. At the time of application, you may be able to choose a Monthly Benefit Percent of 4% for the calculation of the Benefit Payment. The availability of the optional 4% Monthly Benefit Percent is limited to Contracts with Basic Insurance Amounts of $500,000 or less.

B-ii

The last paragraph under When Benefit Payments End is hereby deleted and replaced with the following: If you request that we discontinue Benefit Payments, you will have the option to resume payments at a later date, if you meet all eligibility requirements and the Lifetime Benefit Amount has not been exhausted. Item 8 for the Chronic Illness Option under Impact of Rider Benefits on Contract and Riders is hereby deleted and replaced with the following: (8) While you are receiving Benefit Payments, all monthly charges deducted from the Contract Fund will be waived. Monthly charges will be waived until you notify us to discontinue Benefit Payments, the insured fails to recertify, or this rider terminates. Once you have received 25 monthly Benefit Payments or the annual equivalent, all monthly charges for the Contract will be permanently waived as long as this rider is in effect. If you have an outstanding loan, interest on the loan will continue to be accrued. The definition of Elimination Period in the Definitions of Special Terms Used in This Prospectus is deleted. The definition of Licensed Health Care Practitioner in the Definitions of Special Terms Used in This Prospectus is replaced with the following: A physician, registered nurse, licensed social worker, or other individual whom the United States Secretary of the Treasury may prescribe by regulation. May not be the insured, the Contract Owner, the insured's or Contract Owner's (if different than insured) spouse or domestic partner and their children, stepchildren, brothers, sisters, and their respective spouses or domestic partners and children; parents or grandparents of either the insured or Contract Owner or the insured's or Contract Owner's spouse or domestic partner and their children, stepchildren, brothers, sisters, and their respective spouses or domestic partners and children. The definition of Per Diem Limitation is hereby added to the Definitions of Special Terms Used in This Prospectus: A maximum allowable amount declared annually by the IRS for Chronic Illness payments under Section 7702B of the Internal Revenue Code. The definition of Recertification in the Definitions of Special Terms Used in This Prospectus is replaced with the following: Written documentation completed by a Licensed Health Care Practitioner certifying that the insured continues to be Chronically Ill. Recertification must be received prior to the start of each Benefit Year following the initial Benefit Year in order for you to continue receiving benefit payments under the Chronic Illness Option of the BenefitAccess Rider. The definition of Substantial Assistance in the Definitions of Special Terms Used in This Prospectus is replaced with the following: Hands-on assistance and standby assistance. Hands-on assistance means the physical assistance of another person without which the individual would be unable to perform the activity of daily living. Standby assistance means the presence of another person within arm's reach of the individual that is necessary to prevent, by physical intervention, injury to the individual while the individual is performing the Activity of Daily Living (such as being ready to catch the individual if the individual falls while getting into or out of the bathtub or shower as part of bathing, or being ready to remove food from the individual's throat if the individual chokes while eating).

B-iii

The definition of Substantial Supervision in the Definitions of Special Terms Used in This Prospectus is replaced with the following: Requiring continual supervision (which may include cuing by verbal prompting, gestures, or other demonstrations) by another person that is necessary to protect the severely cognitively impaired individual from threats to his or her health or safety (such as may result from wandering). The definition of Terminally Ill in the Definitions of Special Terms Used in This Prospectus is replaced with the following: The insured has a medical condition that is reasonably expected to result in the insured's death within 12 months or less. The definition of Written Certification in the Definitions of Special Terms Used in This Prospectus is replaced with the following: Written documentation completed by a Licensed Health Care Practitioner certifying that the insured is Terminally Ill or Chronically Ill.
CA	Living Needs BenefitSM Rider (applicable to rider form number ORD 87241-2016 CA)	The Nursing Home Option is not available. The description of the Living Needs BenefitSM Rider is modified to replace the Terminal Illness Option paragraph (second paragraph) with the following: The Terminal Illness Option is available on the Living Needs BenefitSM Rider when a Licensed Physician certifies the insured as Terminally Ill with a life expectancy of 12 months or less. When that evidence is provided and confirmed by us, we will pay as a Living Needs BenefitSM an accelerated payment of the entire adjusted Death Benefit or a one-time payment of a partial amount.
CT	Living Needs BenefitSM Rider	The Nursing Home Option is not available. Only a partial acceleration of the Death Benefit is allowed. The maximum amount that may be accelerated is 75%. Certification of Terminal Illness can be performed by a licensed physician or Advanced Practice Registered Nurse. The following sentence is deleted: "No benefit will be payable if you are required to elect it in order to meet the claims of creditors or to obtain a government benefit." The definition of Licensed Health Care Practitioner includes Advanced Practice Registered Nurse.
DC	Living Needs BenefitSM Rider	The Nursing Home Option is not available.
FL	BenefitAccess Rider	Fee for exercising the Terminal Illness Option is $100. The term Licensed Health Care Practitioner is replaced with Licensed Physician.
FL	Living Needs BenefitSM Rider	Fee for exercising the rider is $100. The Nursing Home Option is not available.
KY	Living Needs BenefitSM Rider	The Living Needs BenefitSM allows you to elect to receive an accelerated payment of all of the Contract's Death Benefit, adjusted to reflect current value. Partial acceleration of the Death Benefit is not allowed.
MA	Accidental Death Benefit Rider	Not available.

B-iv

MA	Living Needs BenefitSM Rider	The Nursing Home Option is not available.
MI	Living Needs BenefitSM Rider	The Nursing Home Option is referred to as "Option A" and the Terminal Illness Option is referred to as "Option B."
MN	Living Needs BenefitSM Rider	Unless converting from a Contract with an existing rider, the rider is not available for the first Contract Year for insureds 65 and older.
MT	Unisex Rates	Unisex rates apply. Any reference to sex throughout the prospectus is not applicable.
ND	Suicide Exclusion	Generally, if the insured, whether sane or insane, dies by suicide within one year from the Contract Date, the Contract will end and we will return the premiums paid, less any Contract Debt, and less any withdrawals.
NM	Accidental Death Benefit Rider	A death resulting from injury must occur no more than 180 days after the injury.
OR	Accidental Death Benefit Rider	A death resulting from injury must occur no more than 180 days after the injury.
PA	Accidental Death Benefit Rider	The following sentence is deleted: "A death resulting from injury must occur no more than 90 days after the injury."
UT	Accidental Death Benefit Rider	A death resulting from injury must occur no more than 180 days after the injury.
WA	Accidental Death Benefit Rider	A death resulting from injury must occur no more than one year after the injury.
WA	Living Needs BenefitSM Rider	Not available.

B-v

GLOSSARY: Definitions Of Special Terms Used In This Prospectus

C-i

C-ii

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To Learn More About VUL Protector®

The statement of additional information ("SAI") is legally a part of this prospectus, both of which are filed with the SEC under the Securities Act of 1933, Registration No. 333-225953. The SAI contains additional information about the Pruco Life Variable Universal Account. The SEC maintains a website (www.SEC.gov) that contains the VUL Protector® SAI, material incorporated by reference, and other information about us; copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: [email protected].

You can call us at800-778-2255 to ask us questions, request information about the Contract, and obtain copies of the SAI and personalized illustrations, without charge, or other documents. You can also view the SAI located with the prospectus at www.Prudential.com/eProspectus, or request a copy by writing to us at:

Pruco Life Insurance Company

213 Washington Street

Newark, New Jersey 07102

EDGAR Class/Contract Identifier: C000204600

Investment Company Act of 1940: Registration No. 811-05826

STATEMENT OF ADDITIONAL INFORMATION

The date of this statement of additional information and of the related prospectuses is May 1, 2024.

Pruco Life Variable Universal Account (the "Account")

Pruco Life Insurance Company

VUL Protector®

VARIABLE UNIVERSAL LIFE INSURANCE CONTRACTS

This statement of additional information is not a prospectus. Please review the VUL Protector® prospectus (the "prospectus"), which contains information concerning the VUL Protector® Contract. You may obtain a copy of the prospectus without charge by calling us at 800-778-2255. You can also view the statement of additional information located with the prospectus at www.Prudential.com/eProspectus, or request a copy by writing to us.

As of October 1, 2021, Pruco Life Insurance Company no longer offered this Contract for sale.

The defined terms used in this statement of additional information are as defined in the prospectus.

Pruco Life Insurance Company

213 Washington Street

Newark, New Jersey 07102

TABLE OF CONTENTS

Page
GENERAL INFORMATION AND HISTORY	1
Description Of Pruco Life Insurance Company	1
Control Of Pruco Life Insurance Company	1
State Regulation	1
Records	1
Services And Third Party Administration Agreements	1
Cyber Security And Business Continuity Risks	1
ADDITIONAL INFORMATION ABOUT OPERATION OF CONTRACTS	2
Legal Considerations Relating To Sex-Distinct Premiums And Benefits	2
Reports To Contract Owners	2
ADDITIONAL INFORMATION ABOUT CHARGES	2
Underwriting Procedures	2
DISTRIBUTION AND COMPENSATION	3
EXPERTS	5
FINANCIAL STATEMENTS	5

TABLE OF CONTENTS

GENERAL INFORMATION AND HISTORY

Description Of Pruco Life Insurance Company

Pruco Life Insurance Company ("Pruco Life", "us", "we", or "our") is a stock life insurance company founded on December 23, 1971, under the laws of the state of Arizona. It is licensed to sell life insurance and annuities in the District of Columbia, Guam, and in all states except New York.

Control Of Pruco Life Insurance Company

Pruco Life is a wholly owned subsidiary of The Prudential Insurance Company of America ("Prudential"), a stock life insurance company founded on October 13, 1875, under the laws of the state of New Jersey. Prudential is a wholly-owned subsidiary of Prudential Financial, Inc. ("Prudential Financial"), a New Jersey insurance holding company for financial services businesses offering a wide range of insurance, investment management, and other financial products and services. The principal executive office of each of Prudential and Prudential Financial is Prudential Plaza, 751 Broad Street, Newark, New Jersey 07102.

Pruco Life Insurance Company of New Jersey ("Pruco Life of New Jersey") is a wholly owned subsidiary of Pruco Life. Pruco Life and Pruco Life of New Jersey's principal executive office is 213 Washington Street, Newark, New Jersey 07102.

As Pruco Life's ultimate parent, Prudential Financial exercises significant influence over the operations and capital structure of Pruco Life and Prudential. However, neither Prudential Financial, Prudential, nor any other related company has any legal responsibility to pay amounts that Pruco Life may owe under the Contract.

State Regulation

Pruco Life is subject to regulation and supervision by the Department of Insurance of the state of Arizona, which periodically examines its operations and financial condition. It is also subject to the insurance laws and regulations of all jurisdictions in which it is authorized to do business.

Pruco Life is required to submit annual statements of its operations, including financial statements, to the insurance departments of the various jurisdictions in which it does business to determine solvency and compliance with local insurance laws and regulations.

In addition to the annual statements referred to above, Pruco Life is required to file with Arizona and other jurisdictions, a separate statement with respect to the operations of all of its variable contract accounts, in a form promulgated by the National Association of Insurance Commissioners.

Records

We maintain all records and accounts relating to the Account at our principal executive office. As presently required by the Investment Company Act of 1940, as amended, and regulations promulgated thereunder, reports containing such information as may be required under the Act or by any other applicable law or regulation will be sent to you semi-annually at your last address known to us.

Services And Third Party Administration Agreements

Pruco Life and Prudential have entered into a Service Agreement pursuant to which Prudential furnishes to Pruco Life various services, including preparation, maintenance, and filing of accounts, books, records, and other documents required under federal or state law, and various other accounting, administrative, and legal services, which are customarily performed by the officers and employees of Prudential. Pruco Life reimburses Prudential for its costs in providing such services. Under this Agreement, Pruco Life has reimbursed Prudential $167,883,280 in 2023, $166,342,046 in 2022, and $150,352,890 in 2021, of which the life business accounted for $62,045,805, $57,245,843, and $75,479,078, respectively.

Our individual life reinsurance treaties covering VUL Protector®Contracts provide for the reinsurance of a portion of the related mortality risk on a yearly renewable term basis. Pruco Life or its affiliates retain any such mortality risk that is not ceded under these treaties.

On May 10, 2023, Fidelity Information Services ("FIS") became a billing and payment services provider for Prudential, Pruco Life, and Pruco Life of New Jersey. FIS received $1,138,278 in 2023 from Prudential for services rendered. The principal business address of FIS is 601 Riverside Avenue, Jacksonville, Florida 32204.

Under a previous agreement TransCentra, Inc. ("TransCentra") was a billing and payment services provider for Prudential, Pruco Life, and Pruco Life of New Jersey. TransCentra received $345,904 in 2023, $916,094 in 2022, and $983,150 in 2021 from Prudential for services rendered. TransCentra's principal business address is 4855 Peachtree Industrial Blvd, Suite 245, Norcross, GA 30092. TransCentra no longer provides the remittance processing services for Prudential, Pruco Life, and Pruco Life of New Jersey, or any of its affiliates.

Cyber Security And Business Continuity Risks

With the increasing use of technology and computer systems in general and, in particular, the internet to conduct necessary business functions, we are susceptible to operational, information security and related risks. These risks, which are often collectively referred to as "cyber security" risks, may include deliberate or malicious attacks, as well as unintentional events and occurrences. These risks are heightened by our offering of products with certain features, including those with automatic asset transfer or re-allocation strategies, and by our employment of complex investment, trading and hedging programs. Cyber security is generally

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defined as the technology, operations and related protocol surrounding and protecting a user's computer hardware, network, systems and applications and the data transmitted and stored therewith. These measures ensure the reliability of a user's systems, as well as the security, availability, integrity, and confidentiality of data assets.

Deliberate cyber-attacks can include, but are not limited to, gaining unauthorized access (including physical break-ins and attempts to fraudulently induce employees, customers or other users of these systems to disclose sensitive information in order to gain access) to computer systems in order to misappropriate and/or disclose sensitive or confidential information; deleting, corrupting or modifying data; and causing operational disruptions. Cyber-attacks may also be carried out in a manner that does not require gaining unauthorized access, such as causing denial-of-service attacks on websites (in order to prevent access to computer networks). In addition to deliberate breaches engineered by external actors, cyber security risks can also result from the conduct of malicious, exploited or careless insiders, whose actions may result in the destruction, release or disclosure of confidential or proprietary information stored on an organization's systems.

The Company is also subject to risks related to disasters and other events, such as storms, earthquakes, fires, outbreaks of infectious diseases (such as COVID-19), utility failures, terrorist acts, political and social developments, and military and governmental actions. These risks are often collectively referred to as "business continuity" risks. These events could adversely affect the Company and our ability to conduct business and process transactions. Although the Company has business continuity plans, it is possible that the plans may not operate as intended or required and that the Company may not be able to provide required services, process transactions, deliver documents or calculate values. It is also possible that service levels may decline as a result of such events.

Cyber security events, disasters, and similar events, whether deliberate or unintentional, that could impact us and our Contract Owners could arise not only in connection with our own administration of the Contract, but also with entities operating the Contract's underlying funds and with third-party service providers to us. Cyber security and other events affecting any of the entities involved with the offering and administration of the Contract may cause significant disruptions in the business operations related to the Contract. Potential impacts may include, but are not limited to, potential financial losses under the Contract, your inability to conduct transactions under the Contract and/or with respect to an underlying fund, an inability to calculate unit values with respect to the Contract and/or the net asset value ("NAV") with respect to an underlying fund, and disclosures of your personal or confidential account information.

In addition to direct impacts to you, cyber security and other events described above may result in adverse impacts to us, including regulatory inquiries, regulatory proceedings, regulatory and/or legal and litigation costs, and reputational damage. Costs incurred by us may include reimbursement and other expenses, including the costs of litigation and litigation settlements and additional compliance costs. Considerable expenses also may be incurred by us in enhancing and upgrading computer systems and systems security following a cyber security failure or responding to a disaster or similar event.

The rapid proliferation of technologies, as well as the increased sophistication and activities of organized crime, hackers, terrorists, hostile foreign governments, and others continue to pose new and significant cyber security threats. In addition, the global spread of COVID-19 has caused the Company and its service providers to implement business continuity plans, including widespread use of work-from-home arrangements. Although we, our service providers, and the underlying funds offered under the Contract may have established business continuity plans and risk management systems to mitigate risks, there can be no guarantee or assurance that such plans or systems will be effective, or that all risks that exist, or may develop in the future, have been completely anticipated and identified or can be protected against. Furthermore, we cannot control or assure the efficacy of the cyber security and business continuity plans and systems implemented by third-party service providers, the underlying funds, and the issuers in which the underlying funds invest.

ADDITIONAL INFORMATION ABOUT OPERATION OF CONTRACTS

Legal Considerations Relating To Sex-Distinct Premiums and Benefits

The Contract generally employs mortality tables that distinguish between males and females. Thus, premiums and benefits differ under Contracts issued on males and females of the same age. However, in those states that have adopted regulations prohibiting sex-distinct insurance rates, premiums and cost of insurance charges will be based on male rates, whether the insureds are male or female. In addition, employers and employee organizations should consult their legal advisers to determine whether purchase of a Contract based on sex-distinct actuarial tables is consistent with Title VII of the Civil Rights Act of 1964 or other applicable law.

Reports To Contract Owners

Once each year, we will send you a statement that provides certain information pertinent to your Contract. This statement will detail values, transactions made, and specific Contract data that apply only to your particular Contract.

We also make available annual and semi-annual reports of the Funds showing the financial condition of the Funds and the investments held in each Fund. The most recent annual and semi-annual reports are available at www.prudential.com/eprospectus or by calling 800-778-2255.

ADDITIONAL INFORMATION ABOUT CHARGES

Underwriting Procedures

When you express interest in obtaining insurance from us, you may apply for coverage in one of two ways, via a paper application or through our worksheet process. When using the paper application, a registered representative completes a full application and submits it to our underwriting unit to commence the underwriting process. A registered representative may be an agent/broker who is a representative of Pruco Securities, a broker-dealer affiliate of Prudential, or in some cases, a broker-dealer not directly affiliated with Prudential.

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When using the worksheet process, a registered representative typically collects enough applicant information to start the underwriting process. The representative will submit the information to Prudential to begin processing, which includes contacting the proposed insured to provide additional information online or over the phone.

Regardless of which of the two underwriting processes is followed, once we receive the necessary information, which may include doctors' statements, medical examinations from physicians or paramedical vendors, test results, and other information, we will make a decision regarding our willingness to accept the risk, and the price at which we will accept the risk. We will issue the Contract when the risk has been accepted and priced.

DISTRIBUTION AND COMPENSATION

In an effort to promote the sale of our variable products (which may include the placement of our contracts on a preferred or recommended company or product list and/or access to a broker-dealer's registered representatives), we or Pruco Securities may enter into compensation arrangements with certain broker-dealer firms authorized by Pruco Securities to sell contracts, or branches of such firms, with respect to certain or all registered representatives of such firms under which such firms may receive separate compensation or reimbursement for, among other things, training of sales personnel, marketing and / or administrative and / or other services they provide to us or our affiliates.

To the extent permitted by applicable rules, laws, and regulations, Pruco Securities may pay or allow other promotional incentives or payments in the form of cash or non-cash compensation. These arrangements may not be offered to all firms, and the terms of such arrangements may differ between firms. You should note that firms and individual registered representatives and branch managers within some firms participating in one of these compensation arrangements might receive greater compensation for selling the Contract than for selling a different contract that is not eligible for these compensation arrangements.

Pruco Life makes these promotional payments directly to or in sponsorship of the firm (or its affiliated broker/dealers). Examples of arrangements under which such payments may be made currently include, but are not limited to, sponsorships, conferences (national, regional and top producer), speaker fees, promotional items and reimbursements to firms for marketing activities or services paid by the firms and/or their individual representatives. The amount of these payments varies widely because some payments may encompass only a single event, such as a conference, and others have a much broader scope.

A list below provides the names of the firms (or their affiliated broker-dealers) that we are aware of (as of December 31, 2023) that received payment or accrued a payment amount with respect to variable product business during 2023. The least amount of cash compensation paid or accrued and the greatest amount paid or accrued during 2023 were $1.79 and $37,370,799.77, respectively.

Names of Firms:

AAG CAPITAL INC, ACP INVESTMENTS LLC, AEGIS CAPITAL CORPORATION, AFS SECURITIES LLC, AGENCY SERVICES OF AR INC, AGP - ALLIANCE GLOBAL PARTNERS, ALLSTATE FINANCIAL SERVICES LLC, AMERIAN GENERAL INS AGCY INC, AMERICAN EQUITY INVESTMENT CORPORATION, AMERICAN EXPRESS INS AGENCY OF MA INC, AMERICAN EXPRESS INS AGENCY OF TX, AMERICAN INDEPENDENT SECURITIES GROUP LLC, AMERICAN INVESTORS CO, AMERICAN PORTFOLIOS, AMERICAN TRUST INVESTMENT SERVICES INC, AMERIPRISE FINANCIAL CENTER, AMERITAS INVESTMENT COMPANY LLC, AON CONSULTING INC, APW CAPITAL INC, APW CAPITAL INC, ARETE INSURANCE AGENCY LLC, ARKADIOS CAPITAL LLC, ARLINGTON SECURITIES INC, ARVEST INSURANCE INC, AUSDAL FINANCIAL PARTNERS INC, AVANTAX INSURANCE SERVICES INC, AVANTAX INSURANCE SERVICES INC, AVANTAX INSURANCE SERVICES INC, AVISEN WEALTH MANAGEMENT INC, AXA ADVISORS LLC, AYCO SERVICES AGENCY LP, AYCO SERVICES INS AGCY INC (K OSTER), B RILEY WEALTH MANAGEMENT INC, BAIRD INS SERVICES INC, BAIRD INS SERVICES INC, BANCWEST INVESTMENT SERVICES INC, BCG SECURITIES INC, BENCHMARK INVESTMENTS LLC, BENEFIT FUNDING SERVICES LLC, BENJAMIN F EDWARDS & COMPANY INC, BERTHEL FISHER & CO FIN SVCS INC, BERTHEL FISHER & CO FIN SVCS INC, BOK FINANCIAL SECURITIES INC,BRIGHTON SECURITIES CORP, BROKERS INTERNATIONAL FINANCIAL SERVICES, BROOKLIGHT PLACE SECURITIES INC, BUCKMAN CAPITAL LLC, CABOT LODGE SECURITIES LLC, CADARET GRANT & CO INC, CALTON & ASSOCIATES INC, CAMBRIDGE INVESTMENT RESEARCH INC, CAMBRIDGE INVESTMENT RESEARCH INC, CANTELLA INSURANCE AGENCY INC, CAPEFINANCIAL SECURITIES LLC, CAPITAL INVESTMENT GROUP INC, CAPITAL SYNERGY PARTNERS INC, CBIZ BENEFITS & INS SVS INC, CC SERVICES INC, CENTAURUS FINANCIAL INC, CENTAURUS TEXAS INC, CENTER STREET SECURITIES INC, CES INSURANCE AGENCY INC, CES INSURANCE AGENCY INC, CETERA ADVISOR NETWORKS INSURANCE SERVICES LLC, CETERA ADVISOR NETWORKS INSURANCE SERVICES LLC, CETERA ADVISORS INSURANCE SERVICES LLC, CETERA ADVISORS LLC, CETERA FINANCIAL SPECIALIST LLC, CETERA INVESTMENT SERVICES LLC, CFD INVESTMENTS INC, CHAPIN DAVIS INSURANCE INC, CHASE INSURANCE AGENCY, CIG RISK MANAGEMENT INC, CITIGROUP LIFE AGENCY LLC, CITIZENS SECURITIES INC, COASTAL EQUITIES INSURANCE AGENCY, COMERICA INSURANCE SERVICES INC, CONCORDE INSURANCE AGENCY INC, CONCOURSE FINANCIAL GROUP SECURITIES, COORDINATED CAPITAL SECURITIES, CPS FINANCIAL & INSURANCE SERVICES INC, CREATIVEONE SECURITIES LLC, CROWN CAPITAL INS AGENCY OF NV INC, CROWN CAPITAL SECURITIES LP, CROWN CAPITAL SECURITIES LP, CRUMP LIFE INS SERVICES LLC, CSFG INSURANCE AGENCY INC, CUTTER & COMPANY BROKERAGE INC, D A DAVIDSON AND COMPANY INC, DAI SECURITIES, LLC, DELTA FINANCIAL INSURANCE BROKERAGE CORP, DEMPSEY FIN NETWORK INC, DEMPSEY LORD SMITH LLC, DFPG INVESTMENTS INC, DMK ADVISOR GROUP INC, EDUCATORS FINANCIAL SERVICES INC, EDWARD D JONES & CO LP, EDWARD JONES INS AGCY OF CA LLC, EDWARD JONES INS AGCY OF MA LLC, EDWARD JONES INS AGCY OF NM LLC, EF LEGACY SECURITIES LLC, ENTERPRISE GENERAL INS AGENCY INC, ENTERPRISE SECURITIES COMPANY, EQUITABLE ADVISORS LLC,EQUITY SERVICES INC, ESTATE INSURANCE SERVICES LTD, EXCEL SECURITIES AND ASSOC INC, EXECUTIVE INS AGENCY INC, FBL MARKETING SERVICES LLC, FBL MARKETING SERVICES LLC, FIFTH THIRD INSURANCE AGENCY INC, FIFTH THIRD SECURITIES INC, FINANCIAL INDEPENDENCE GROUP, FINANCIAL TELESIS INC, FIRST CITIZENS INVESTOR SERVICES INC, FIRST HEARTLAND CAPITAL INC, FIRST PALLADIUM LLC, FIRST REPUBLIC SECURITIES COMPANY LLC, FMN CAPITAL CORPORATION, FNBB CAPITAL MARKETS LLC, FORTUNE FINANCIAL SERVICES INC, FORTUNE SECURITIES INC, FOUNDERS FINANCIAL SECURITIES LLC, FSC AGENCY INC, G A REPPLE AND COMPANY, GENEOS WEALTH MANAGEMENT INC, GENERAL SECURITIES CORP, GIRARD INVESTMENT SERVICES LLC, GLOBALINK

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SECURITIES INC, GRADIENT SECURITIES LLC, GRB FINANCIAL LLC, GROVE POINT INVESTMENTS LLC, GWN SECURITIES INC, H&R BLOCK FINANCIAL ADVISORS INC, HALLIDAY FINANCIAL LLC, HANSON MCCLAIN RETIREMENT NETWORK LLC, HANTZ AGENCY LLC, HANTZ AGENCY LLC, HANTZ FINANCIAL SERVICES INC, HARBOR INVESTMENT ADVISORY LLC, HARBOUR INVESTMENTS INC, HAZLETT BURT AND WATSON INC, HERBERT J SIMS CAPITAL MANAGEMENT, HIGHTOWER SECURITIES LLC, HILLTOP SECURITIES INC, HILLTOP SECURITIES INSURANCE AGENCY INC, HOOPOE CAPITAL MARKETS LLC, HORAN SECURITIES INC, HORNOR TOWNSEND & KENT, HSBC INSURANCE AGENCY USA INC, HSBC SECURITIES USA INC, HUNTER ASSOCIATES INVESTMENT MANAGEMENT LLC, HUNTINGTON INVESTMENT COMPANY, HUNTLEIGH SECURITIES, HWG INS AGENCY INC, IBN FINANCIAL SERVICES INC, IDB CAPITAL CORP, IFP INSURANCE GROUP LLC, IMS SECURITIES INC, INDEPENDENCE CAPITAL AGENCY, INDEPENDENT FINANCIAL GROUP INC, INFINEX INVESTMENTS INC, INNOVATION PARTNERS LLC, INSIGHT SECURITIES INC, INTERCONTINENTAL AGENCY LLC, INTERLINK SECURITIES CORP, INTERNATIONAL ASSETS ADVISORY LLC, INTERSECURITIES INSURANCE AGENCY, INTERVEST INTERNATIONAL EQUITIES CORPORATION, INTERVEST INTERNAT'L EQUITIES CORP, INVERNESS SECURITIES LLC, INVESTMENT CENTER INC, INVESTMENT PLANNERS INC, INVESTMENT SALES CORP, INVICTA CAPITAL LLC, J ALDEN ASSOCIATES INC, J.K. FINANCIAL SERVICES, INC., JANNEY MONTGOMERY SCOTT LLC, JEFFREY MATTHEWS FINANCIAL GROUP LLC, JP MORGAN SECURITIES LLC, JW COLE FINANCIAL INC, JW COLE FINANCIAL INC, KCD FINANCIAL, KESTRA INVESTMENT SERVICES LLC, KESTRA INVESTMENT SERVICES LLC, KEY INVESTMENT SERVICES LLC, KFG ENTERPRISES INC, KINGSWOOD CAPITAL PARTNERS LLC, KOVACK SECURITIES INC, L M KOHN & CO, LAIDLAW AND COMPANY UK LTD, LARSON FINANCIAL GROUP LLC, LASALLE ST SECURITIES LLC, LEADERS GROUP INC., LEBENTHAL FINANCIAL SERVICES INC, LEVEL FOUR FINANCIAL LLC, LFA LIMITED LIABILITY COMPANY, LIBRA INSURANCE PARTNERS LLC, LIFEMARK SECURITIES CORP, LINCOLN FIN ADVISORS CORP, LINCOLN FINANCIAL SEC CORP, LINCOLN INVESTMENT PLANNING LLC, LINCOLN NATIONAL INS ASSOC INC, LINSCO PRIVATE LEDGER INS ASSOC INC, LION STREET FINANCIAL LLC, LOCKTON FINANCIAL ADVISORS LLC, LOMBARD INTERNATIONAL BROKERS INC, LPA INSURANCE AGENCY INC, LPL FINANCIAL CORP, M FINANCIAL SECURITIES MARKETING INC, M HOLDINGS SECURITES INC,M.S. HOWELLS & CO, MADISON AVENUE SECURITIES, MARINER INSURANCE RESOURCES LLC, MB SCHOEN & ASSOCIATES INC, MCDONALD PARTNERS LLC, MERCER HEALTH & BENEFITS ADMINISTRATION, MERRILL LYNCH LIFE AGCY INC, MERRILL LYNCH LIFE AGCY INC, MID-CONTINENT SECURITIES LTD, MMA SECURITIES LLC, MMC SECURITIES LLC, MML INS AGCY INC, MML INS AGCY INC, MODERN CAPITAL SECURITIES INC, MOLONEY SECURITIES CO INC, MONEY CONCEPTS CAPITAL, MOORS & CABOT INC, MORGAN STANLEY DEAN WITTER INS SVCS INC, MSC OF TX INC, MUTUAL OF OMAHA MARKETING CORP, MUTUAL SECURITIES INC, MUTUAL TRUST CO OF AMERICA SECURITIES, MWA FINANCIAL SERVICES INC, MWAGIA INC, NATIONS FINANCIAL GROUP INC, NAVY FEDERAL INVESTMENT SERVICES LLC, NEW PENFACS INS AGENCY INC, NEWBRIDGE SECURITIES CORPORATION, NEWPORT GROUP SEC INC, NEXT FINANCIAL GROUP, NEXT FINANCIAL GROUP, NEXT FINANCIAL INSURANCE SERVICES, NI ADVISORS INC, NORTHLAND SECURITIES INC, NORTHWESTERN MUTUAL INVEST SVCS, NPA INSURANCE AGENCY INC, NPB FINANCIAL GROUP LLC, NW MUTUAL INVESTMENT SERVICES, NY LIFE SECURITIES, NYLIFE INSURANCE AGENCY INC, O N EQUITY SALES COMPANY, OAK RIDGE FINANCIAL SERVICES GROUP THE, OBERLIN FINANCIAL INTERNATIONAL LLC, OFG FINANCIAL SERVICES INC, OHIO NATIONAL INS AGENCY INC, OHIO NATIONAL INS AGENCY INC, ONEAMERICA SECURITIES INC, OPPENHEIMER & CO INC, OSAIC INSTITUTIONS INC, OSAIC WEALTH INC, PACKERLAND BROKERAGE SERVICES, PARK AVENUE SECURITIES, PARKLAND SECURITIES LLC, PEAK BROKERAGE SERVICES LLC, PENSIONMARK SECURITIES LLC, PHX FINANCIAL INC, PINNACLE INVESTMENTS LLC, PJ ROBB VARIABLE CORP, PLANMEMBER SECURITIES CORPORATION, PLUS AGENCY LLC, PNC INSURANCE SERVICES, PREFERRED MARKETING SERVICES INC, PRINCIPAL SECURITIES INC, PRIVATE CLIENT SERVICES LLC, PRIVATE LEDGER INS AGCY OF OH INC (P CALFEE), PROSPERA LIFE & ANNUITY SERVICES INC, PRUDENTIAL DIRECT INC, PRUDENTIAL INSURANCE AGENCY LLC, PURSHE KAPLAN STERLING INS, RAYMOND JAMES & ASSOCIATES INC, RAYMOND JAMES & ASSOCIATES INC, RAYMOND JAMES & ASSOCIATES INC, RBC CAPITAL MARKETS CORP, REGULUS FINANCIAL GROUP LLC, REHMANN INSURANCE GROUP LLC, ROBERT SHOR INSURANCE ASSOCIATES INC, ROCKEFELLER CAPITAL MANAGEMENT INS SERVICES LLC, ROYAL ALLIANCE ASSOCIATES INC, ROYAL ALLIANCE ASSOCIATES INC, ROYAL ALLIANCE INS AGCY OF MA INC, S B H U LIFE AGENCY INC, SA STONE WEALTH MANAGEMENT INC, SAGEPOINT FINANCIAL, SAN BLAS SECURITIES LLC, SANCTUARY SECURITIES INC, SAXONY INSURANCE AGENCY LLC, SAYBRUS EQUITY SERVICES INC, SBS INSURANCE AGENCY OF LA INC, SCF SECURITIES INC, SECURIAN FINANCIAL SERVICES INC, SECURITIES AMERICA INC, SFA INSURANCE SERVICES INC, SIGMA FINANCIAL CORP, SIGNAL SECURITIES INC, SIGNATURE ESTATE SECURITIES INC, SII INVESTMENTS IN, SIMPLICITY FINANCIAL INVESTMENT SERVICES, SMITH BROWN & GROOVER INC, SMITH MOORE AND CO, SNOWDEN INSURANCE SERVICES LLC, SORRENTO PACIFIC FINANCIAL LLC, SOUTHERN WEALTH SECURITIES LLC, SOUTHWEST FINANCIAL INS AGY INC, SOUTHWEST INSURANCE AGENCY INC, SPIRE INSURANCE AGENCY LLC, ST BERNARD FINANCIAL SERVICES INC, STANLEY LAMAN GROUP SECURITIES LLC, STEPHENS INSURANCE LLC, STEWARD PARTNERS GLOBAL ADVISORY LLC, STEWARD PARTNERS INVESTMENT SOLUTIONS LLC, STIFEL NICHOLAUS & CO INC, STIFEL NICHOLAUS & CO INC, STIFEL NICHOLAUS & CO INC, SUMMIT BROKERAGE SERVICES, SYNDICATED CAPITAL INC, SYNOVUS SECURITIES INC, TBS AGENCY OF TEXAS INC, TBS AGENCY, INC., TFS SECURITIES INC, THE LEADERS GROUP, THE LEADERS GROUP INC, THOROUGHBRED FINANCIAL SERVICES LLC, THRIVENT INSURANCE AGENCY INC, THURSTON SPRINGER MILLER HERD & TITAK INC, TRANSAMERICA FINANCIAL ADVISORS, TRIAD ADVISORS INC, TRIAD ADVISORS INC, TRUIST INVESTMENT SERVICES INC, TRUSTMONT FINANCIAL GROUP INC, U S BANCORP INVESTMENTS INC, UBS FINANCIAL SERVICES, UBS FINANCIAL SERVICES, UMB INSURANCE INC, UNIONBANC INVESTMENT SERVICES LLC, UNIONBANC INVESTMENT SERVICES LLC, UNITED BROKERAGE SERVICES INC, UNITED PLANNERS FINANCIAL, UNITED PLANNERS FINANCIAL, US BANCORP INSURANCE SERVICES LLC, USA FINANCIAL SECURITIES CORP, VALMARK SECURITES INC, VANDERBILT SECURITIES LLC, VARIABLE CONTRACT AGENCY LLC, VOYA FINANCIAL ADVISORS INC, WEALTH MANAGEMENT RESOURCES INC, WEH INSURANCE AGENCY INC, WELLS FARGO ADVISORS CALIFORNIA INS AGENCY LLC, WELLS FARGO ADVISORS FINANCIAL, WELLS FARGO ADVISORS FINANCIAL, WELLS FARGO ADVISORS FINANCIAL, WELLS FARGO ADVISORS FINANCIAL, WENTWORTH FINANCIAL PARTNERS LLC, WESBANCO SECURITIES INC, WESTERN EQUITY GROUP INC, WESTERN INTERNATIONAL SECURITIES INC, WINTRUST INVESTMENTS LLC, WJ LYNCH INS AGENCY, WOODBURY FIN SERVICES INC, WORLD EQUITY GROUP, WORLD FINANCIAL GROUP INS AGCY INC, WORLD FINANCIAL GRP INS AGENCY OF MA INC, WORTH FINANCIAL GROUP INC

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Your registered representative can provide you with more information about the compensation arrangements that apply to your Contract.

EXPERTS

The consolidated financial statements of Pruco Life Insurance Company and its subsidiaries as of December 31, 2023 and 2022 and for each of the three years in the period ended December 31, 2023 and the financial statements of each of the subaccounts of Pruco Life Variable Universal Account as of the dates presented and for each of the periods indicated therein incorporated in this statement of additional information by reference to the filed Form N-VPFS dated April 16, 2024 have been so incorporated in reliance on the reports of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.

Actuarial matters included in this statement of additional information have been examined by Brian Peterfreund, FSA, MAAA, Vice President and Actuary of Prudential.

FINANCIAL STATEMENTS

The financial statements of the Account should be distinguished from the consolidated financial statements of Pruco Life Insurance Company and its subsidiaries, which should be considered only as bearing upon the ability of Pruco Life to meet its obligations under the Contracts.

The financial statements of the Pruco Life Variable Universal Account and of Pruco Life Insurance Company are hereby incorporated by reference to Form N-VPFS datedApril 16, 2024.

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OTHER INFORMATION

Item 30. Exhibits

Exhibit Number Description Of Exhibit

(a)	Board of Directors Resolution:
(i)	Resolution of Board of Directors of Pruco Life Insurance Company establishing the Pruco Life Variable Universal Account. (Note 4)
(b)	Custodian Agreements:
Not applicable.
(c)	Underwriting Contracts:
(i)	Distribution Agreement between Pruco Securities, LLC and Pruco Life Insurance Company. (Note 5)
(ii)	Broker Dealer Selling Agreement used from 8-2018 to 11-2021. (Note 22)
(iii)	Broker Dealer Selling Agreement used from 6-2017 to 8-2018. (Note 22)
(d)	Contracts:
(i)	Individual Flexible Premium Variable Universal Life Insurance Contract - ICC18 VULPR-2018. (Note 20)
(ii)	Rider for Insured's Accidental Death Benefit - VL 110 B-2000. (Note 4)
(iii)	Rider for Payment of Net Premium Amount Benefit Upon Insured's Total Disability - ICC17 VL 100 B-2017. (Note 20)
(iv)	Rider for Level Term Insurance Benefit on Dependent Children - ICC16 VL 182 B-2016. (Note 20)
(v)	Rider for Level Term Insurance Benefit on Dependent Children - From Conversions - ICC16 VL 184 B-2016. (Note 20)
(vi)	Rider for Payment of an Additional Amount upon Surrender - ICC18 PLI 496-2018. (Note 20)
(vii)	Rider to Provide Lapse Protection - ICC18 PLI 522-2018. (Note 20)
(viii)	Rider for Excess Loan Protection - ICC17 PLI 552-2017. (Note 16)
(ix)	Rider for Settlement Options to Provide Acceleration of Death Benefits - ORD87241-90-P. (Note 4)
(x)	Rider to Provide Acceleration of Death Benefit - ICC17 VL 145 B5-2017. (Note 18)
(e)	Applications:
(i)	Application for Variable Universal Life Insurance Contract. (Note 6)
(ii)	Supplement to the Application for Variable Universal Life Insurance Contract. (Note 21)
(f)	Depositor's Certificate of Incorporation and By-Laws:
(i)	Articles of Incorporation of Pruco Life Insurance Company, as amended October 19, 1993. (Note 4)
(ii)	By-laws of Pruco Life Insurance Company, as amended May 6, 1997. (Note 4)
(g)	Reinsurance Contracts:
(i)	Agreement between Pruco Life Insurance Company ("Pruco Life") and Prudential. (Note 3)
(ii)	Amendments (1-13) to the Agreement between Pruco Life and Prudential. (Note 8)
(h)	Participation Agreements:
(i)	Advanced Series Trust (formerly American Skandia Trust) Participation Agreement, as amended June 8, 2005. (Note 2)
(ii)	Amendment #1 to the Participation Agreement between Pruco Life Insurance Company ("Pruco Life") and Advanced Series Trust. (Note 8)
(iii)	Participation Agreement between Pruco Life and American Funds. (Note 11)
(iv)	Participation Agreement between Pruco Life and BNY Mellon (formerly Dreyfus). (Note 10)

(v)	Amendment #3 to the Participation Agreement between Pruco Life and BNY Mellon. (Note 17)
(vi)	Amendment #4 to the Participation Agreement between Pruco Life and BNY Mellon. (Note 17)
(vii)	Amendment #5 to the Participation Agreement between Pruco Life and BNY Mellon. (Note 17)
(viii)	Amendment #6 to the Participation Agreement between Pruco Life and BNY Mellon. (Note 12)
(ix)	Participation Agreement between Pruco Life and Fidelity. (Note 11)
(x)	Amendment #1 to the Participation Agreement between Pruco Life and Fidelity. (Note 11)
(xi)	Amendment #2 to the Participation Agreement between Pruco Life and Fidelity. (Note 17)
(xii)	Participation Agreement between Pruco Life and Franklin. (Note 11)
(xiii)	Amendment #1 to the Participation Agreement between Pruco Life and Franklin. (Note 17)
(xiv)	Amendment #2 to the Participation Agreement between Pruco Life and Franklin. (Note 17)
(xv)	Amendment #5 to the Participation Agreement between Pruco Life and Franklin. (Note 17)
(xvi)	Amendment #6 to the Participation Agreement between Pruco Life and Franklin. (Note 17)
(xvii)	Amendment #7 to the Participation Agreement between Pruco Life and Franklin. (Note 15)
(xviii)	Participation Agreement between Pruco Life and Invesco (formerly AIM Funds). (Note 14)
(xix)	Amendment to the Participation Agreement between Pruco Life and Invesco. (Note 14)
(xx)	Amendment to the Participation Agreement between Pruco Life and Invesco. (Note 19)
(xxi)	Amendment to the Participation Agreement between Pruco Life and Invesco. (Note 14)
(xxii)	Amendment to the Participation Agreement between Pruco Life and Invesco. (Note 14)
(xxiii)	Participation Agreement between Pruco Life and MFS. (Note 10)
(xxiv)	Amendment #7 to the Participation Agreement between Pruco Life and MFS. (Note 11)
(xxv)	Participation Agreement between Pruco Life and Neuberger Berman. (Note 10)
(xxvi)	Amendment No. 1 to the Participation Agreement between Pruco Life and Neuberger Berman. (Note 12)
(xxvii)	Amendment No. 2 to the Participation Agreement between Pruco Life and Neuberger Berman. (Note 17)
(xxviii)	Participation Agreement between Pruco Life and Northern Lights. (Note 7)
(xxix)	Amendment #2 to the Participation Agreement between Pruco Life and Northern Lights. (Note 9)
(xxx)	Participation Agreement between Pruco Life and The Prudential Series Fund. (Note 17)
(xxxi)	Participation Agreement between Pruco Life and Calvert. (Note 20)
(xxxii)	Shareholder Agreement (22c-2 Agreement) between Pruco Life and Advanced Series Trust. (Note 16)
(xxxiii)	Shareholder Agreement (22c-2 Agreement) between Pruco Life and American Funds. (Note 17)
(xxxiv)	Shareholder Agreement (22c-2 Agreement) between Pruco Life and BNY Mellon (formerly Dreyfus). (Note 16)
(xxxv)	Shareholder Agreement (22c-2 Agreement) between Pruco Life and Franklin. (Note 16)
(xxxvi)	Shareholder Agreement (22c-2 Agreement) between Pruco Life and Invesco (formerly AIM funds). (Note 19)
(xxxvii)	Shareholder Agreement (22c-2 Agreement) between Pruco Life and MFS. (Note 16)
(xxxviii)	Shareholder Agreement (22c-2 Agreement) between Pruco Life and Neuberger Berman. (Note 17)
(xxxix)	Shareholder Agreement (22c-2 Agreement) between Pruco Life and The Prudential Series Fund. (Note 16)
(i)	Administrative Contracts:
(i)	Service Agreement between Prudential and the Regulus Group, LLC. (Note 6)
(ii)	Revised Service Agreement between Prudential and the Regulus Group LLC, a TransCentra company. (Note 9)
(iii)	Engagement Schedule No. 2 between Prudential and Regulus Group, LLC. (Note 13)
(iv)	Services Agreement between Prudential and Fidelity Information Services. (Note 23)
(v)	Engagement Schedule between Prudential and Fidelity Information Services. (Note 23)
(j)	Other Material Contracts:
Not applicable.
(k)	Legal Opinion:
Opinion and Consent of Christopher J. Madin, Esq., as to the legality of the securities being registered. (Note 1)
(l)	Actuarial Opinion:

Not applicable.
(m)	Calculation:
Not applicable.
(n)	Other Opinions:
(i)	Consent of PricewaterhouseCoopers LLP, Independent Registered Public Accounting Firm. (Note 1)
(ii)	Powers of Attorney: Markus Coombs, Elizabeth K. Dietrich, Alan M. Finkelstein, Scott E. Gaul, Bradley O. Harris, Salene Hitchcock-Gear, Dylan J. Tyson. (Note 1)
(o)	Omitted Financial Statements:
Not applicable.
(p)	Initial Capital Agreements:
Not applicable.
(q)	Redeemability Exemption:
(i)	Memorandum describing Pruco Life Insurance Company's issuance, transfer, and redemption procedures for the Contracts pursuant to Rule 6e-3(T)(b)(12)(iii). (Note 1)
(r)	Form of Initial Summary Prospectuses:
Not applicable.

---------------------------------------------------------

(Note 1)	Filed herewith.
(Note 2)	Incorporated by reference to Post-Effective Amendment No. 3 to Form N-6, Registration No. 333-112808, filed August 12, 2005, on behalf of the Pruco Life Variable Universal Account.
(Note 3)	Incorporated by reference to Post-Effective Amendment No. 4 to Form N-6, Registration No. 333-109284, filed April 20, 2006, on behalf of the Pruco Life Variable Universal Account.
(Note 4)	Incorporated by reference to Form N-6, Registration No. 333-158634, filed April 20, 2009, on behalf of the Pruco Life Variable Universal Account.
(Note 5)	Incorporated by reference to Post-Effective Amendment No. 1 to Form N-6, Registration No. 333-158634, filed April 14, 2010, on behalf of the Pruco Life Variable Universal Account.
(Note 6)	Incorporated by reference to Post-Effective Amendment No. 2 to Form N-6, Registration No. 333-158634, filed April 12, 2011, on behalf of the Pruco Life Variable Universal Account.
(Note 7)	Incorporated by reference to Post-Effective Amendment No. 3 to Form N-6, Registration No. 333-158634, filed April 23, 2012, on behalf of the Pruco Life Variable Universal Account.
(Note 8)	Incorporated by reference to Post-Effective Amendment No. 5 to Form N-6, Registration No. 333-158634, filed April 15, 2013, on behalf of the Pruco Life Variable Universal Account.
(Note 9)	Incorporated by reference to Post-Effective Amendment No. 6 to Form N-6, Registration No. 333-158634, filed February 6, 2014, on behalf of the Pruco Life Variable Universal Account.
(Note 10)	Incorporated by reference to Post-Effective Amendment No. 8 to Form N-6, Registration No. 333-112808, filed April 18, 2008, on behalf of the Pruco Life Variable Universal Account.
(Note 11)	Incorporated by reference to Post-Effective Amendment No. 16 to Form N-6, Registration No. 333-112808, filed June 28, 2013, on behalf of the Pruco Life Variable Universal Account.
(Note 12)	Incorporated by reference to Post-Effective Amendment No. 21 to Form N-6, Registration No. 333-112808, filed June 27, 2014, on behalf of the Pruco Life Variable Universal Account.
(Note 13)	Incorporated by reference to Post-Effective Amendment No. 11 to Form N-6, Registration No. 333-158634, filed April 7, 2015, on behalf of the Pruco Life Variable Universal Account.
(Note 14)	Incorporated by reference to Post-Effective Amendment No. 1 to Form N-6, Registration No. 333-205092, filed September 10, 2015, on behalf of the Pruco Life Variable Universal Account.
(Note 15)	Incorporated by reference to Post-Effective Amendment No. 20 to Form N-6, Registration No. 333-158634, filed April 6, 2017, on behalf of the Pruco Life Variable Universal Account.
(Note 16)	Incorporated by reference to Pre-Effective Amendment No. 1 to Form N-6, Registration No. 333-215544, filed June 16, 2017, on behalf of the Pruco Life Variable Universal Account.

(Note 17)	Incorporated by reference to Post-Effective Amendment No. 40 to Form N-6, Registration No. 333-112808, filed April 6, 2018, on behalf of the Pruco Life Variable Universal Account.
(Note 18)	Incorporated by reference to Post-Effective Amendment No. 23 to Form N-6, Registration No. 333-158634, filed September 22, 2017, on behalf of the Pruco Life Variable Universal Account.
(Note 19)	Incorporated by reference to Post-Effective Amendment No. 24 to Form N-6, Registration No. 333-158634, filed April 6, 2018, on behalf of the Pruco Life Variable Universal Account.
(Note 20)	Incorporated by reference to Pre-Effective Amendment No. 1 to this Registration Statement, filed September 14, 2018, on behalf of the Pruco Life Variable Universal Account.
(Note 21)	Incorporated by reference to Form N-6, Pre-Effective Amendment No. 1, Registration No. 333-229276, filed April 22, 2019, on behalf of the Pruco Life Variable Universal Account.
(Note 22)	Incorporated by reference to Post-Effective Amendment No. 2 to this Registration Statement, filed April 7, 2020, on behalf of the Pruco Life Variable Universal Account.
(Note 23)	Incorporated by reference to Post-Effective Amendment No. 9, Registration No. 333-229276, filed September 28, 2023, on behalf of the Pruco Life Variable Universal Account.

Item 31. Directors and Officers of Pruco Life Insurance Company (Depositor)

The directors and officers of Pruco Life Insurance Company ("Pruco Life"), listed with their principal occupations, are shown below.

Name and Principal Business Address	Position and Offices with Pruco Life
MARKUS COOMBS (Note 2)	Director and Vice President
ELIZABETH K. DIETRICH (Note 2)	Director, Vice President, Chief Accounting Officer, and Chief Financial Officer
WILLIAM J. EVERS (Note 2)	Vice President and Corporate Counsel
ALAN M. FINKELSTEIN (Note 3)	Director and Treasurer
SCOTT E. GAUL (Note 4)	Director and Vice President
BRADLEY O. HARRIS (Note 2)	Director
SALENE HITCHCOCK-GEAR (Note 2)	Director
DANIEL MCNUTLY (Note 1)	Chief Compliance Officer
MATTHEW H. SILVER (Note 2)	Chief Actuary and Senior Vice President
JORDAN K. THOMSEN (Note 2)	Vice President and Corporate Counsel
DYLAN J. TYSON (Note 4)	Director, President, and Chief Executive Officer
AMY M. WOLTMAN (Note 3)	Vice President, Chief Legal Officer, and Secretary
(Note 1) 600 Office Center Drive, Fort Washington, PA 19034
(Note 2) 213 Washington Street, Newark, NJ 07102
(Note 3) 751 Broad Street, Newark, NJ 07102
(Note 4) 1 Corporate Drive, Shelton, CT 06484

Item 32. Persons Controlled by or Under Common Control with the Depositor or the Registrant

Pruco Life Insurance Company, a life insurance company organized under the laws of Arizona, is a direct wholly owned subsidiary of The Prudential Insurance Company of America and an indirect wholly owned subsidiary of Prudential Financial, Inc.

The subsidiaries of Prudential Financial, Inc. are listed under Exhibit 21.1 of the Annual Report on Form 10-K of Prudential Financial, Inc., Registration No. 001-16707, the text of which is hereby incorporated by reference.

Item 33. Indemnification

The Registrant, in connection with certain affiliates, maintains various insurance coverages under which the underwriter and certain affiliated persons may be insured against liability, which may be incurred in such capacity, subject to the terms, conditions, and exclusions of the insurance policies.

Arizona, being the state of organization of Pruco Life Insurance Company ("Pruco Life"), permits entities organized under its jurisdiction to indemnify directors and officers with certain limitations. The relevant provisions of Arizona law permitting indemnification can be found in Section 10-850 et seq. of the Arizona Statutes Annotated. The text of Pruco Life's By-law, Article VIII, which relates to indemnification of officers and directors, was filed on April 20, 2009, as exhibit Item 26. (f)(ii) to Form N-6, Registration No. 333-158634, on behalf of the Pruco Life Variable Universal Account.

Insofar as indemnification for liabilities arising under the Securities Act of 1933 (the "Act") may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions or otherwise, the Registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

Item 34. Principal Underwriters

(a) Other Activity:

Pruco Securities, LLC ("Pruco Securities"), an indirect wholly owned subsidiary of Prudential Financial, Inc., acts as the Registrant's principal underwriter of the Contract. Pruco Securities, organized as an LLC on September 22, 2003, under New Jersey law, is registered as a broker-dealer under the Securities Exchange Act of 1934 and is a registered member of the Financial Industry Regulatory Authority, Inc. ("FINRA"). (Pruco Securities is a successor company to Pruco Securities Corporation, established on February 22, 1971.) Pruco Securities' principal business address is 751 Broad Street, Newark, New Jersey 07102.

Pruco Securities acts as principal underwriter and general distributor for the following separate investment accounts and their affiliates:

•Pruco Life Variable Universal Account

•Pruco Life Variable Appreciable Account

•Pruco Life Variable Insurance Account

•Pruco Life PRUvider Variable Appreciable Account

•Pruco Life of New Jersey Variable Appreciable Account

•Pruco Life of New Jersey Variable Insurance Account

•The Prudential Variable Appreciable Account

•Separate Account VL I of Talcott Resolution Life Insurance Company

•Separate Account VL II of Talcott Resolution Life Insurance Company

•Separate Account One of Talcott Resolution Life Insurance Company

•Separate Account Five of Talcott Resolution Life Insurance Company

•Separate Account VL I of Talcott Resolution Life & Annuity Insurance Company

•Separate Account VL II of Talcott Resolution Life & Annuity Insurance Company

•Separate Account Five of Talcott Resolution Life & Annuity Insurance Company

•Union Security Insurance Company Variable Account C

The Contract is sold by registered representatives of Pruco Securities who are also authorized by state insurance departments to do so. The Contract may also be sold through other broker-dealers authorized by Pruco Securities and applicable law to do so.

(b) Management:

Managers And Officers Of Pruco Securities, LLC
Name and Principal Business Address	Position and Office with Pruco Securities

Robert Begun (Note 1)	President, Manager, and Principal Operations Officer
Moira M. Buckley (Note 3)	Manager
John M. Cafiero (Note 2)	Assistant Secretary
David Camuzo (Note 1)	Secretary
Susanna Davi (Note 2)	Assistant Treasurer
Dexter M. Feliciano (Note 1)	Vice President, Chief Operating Officer, and Manager
Kelly Florio (Note 2)	Anti-Money Laundering Officer
Anthony M. Fontano (Note 1)	Vice President and Manager
Jennifer H. Gascho (Note 2)	Assistant Controller
Peter C. Gayle (Note 1)	Vice President and Manager
Bradford O. Hearn (Note 1)	Chairman and Manager
Patrick L. Hynes (Note 1)	Manager
Victor Kong (Note 2)	Assistant Controller
Milton T. Landes (Note 1)	Vice President
Conway Lee (Note 1)	Chief Compliance Officer
Tina Lloyd (Note 1)	Assistant Secretary
Joseph B. McCarthy (Note 2)	Assistant Treasurer
Juzer Mohammedshah (Note 1)	Treasurer
Julia E. Moran (Note 1)	Chief Legal Officer and Assistant Secretary
Maggie Palen (Note 2)	Assistant Secretary
Robert P. Smit (Note 2)	Vice President, Controller, Chief Financial Officer, and Principal Financial Officer
Jordan K. Thomsen (Note 1)	Assistant Secretary
Dianne Trinkle (Note 2)	Assistant Controller
(Note 1) 213 Washington Street, Newark, NJ 07102
(Note 2) 751 Broad Street, Newark, NJ 07102
(Note 3) 1124 NW Couch Street, Portland, OR 97209

(c) Compensation From the Registrant:

Pruco Securities passes through the gross distribution revenue it receives to broker-dealers for their sales and does not retain any portion of it in return for its services as distributor for the Contracts. However, Pruco Securities does retain a portion of compensation it receives with respect to sales by its representatives. Pruco Securities retained compensation of $4,084,003 in 2023, $3,890,506 in 2022, and $4,092,005 in 2021.

The sum of the chart below is $480,489,201, which represents Pruco Securities' total 2023 Variable Life Distribution Revenue. The amount includes both agency distribution and broker-dealer distribution.

Commissions and other compensation received from the registrant during the last fiscal year with respect to variable life insurance products.
Name of Principal Underwriter	Net Underwriting Discounts and Commissions*	Compensation on Redemption	Brokerage Commission**	Other Compensation
Pruco Securities	$137,243,475	$0	$342,245,725	$0

* Represents Variable Life Distribution Revenue for the agency channel.

** Represents Variable Life Distribution Revenue for the broker-dealer channel.

Registered Representatives affiliated with Pruco Securities who sell the Contract are also appointed by and contracted with Prudential as insurance agents for the sale of the Contract, and are eligible to engage in sales of other variable and non-variable Prudential life insurance and annuity products for which they may also be eligible for compensation, subject to applicable regulatory requirements.

Item 35. Location of Accounts and Records

Provided in the most recent report on Form N-CEN.

Item 36. Management Services

Not Applicable.

Item 37. Fee Representation

Pruco Life Insurance Company ("Pruco Life") represents that the fees and charges deducted under the Variable Universal Life Insurance Contracts registered by this registration statement, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by Pruco Life.

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets all of the requirements for effectiveness of this registration statement under rule 485(b) under the Securities Act and has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Newark, and State of New Jersey on this 16th day of April, 2024.

Pruco Life Variable Universal Account

(Registrant)

By: Pruco Life Insurance Company

(Depositor)

By: /s/ *

Dylan J. Tyson President and Chief Executive Officer

Pruco Life Insurance Company

(Depositor)

By: /s/ *

Dylan J. Tyson President and Chief Executive Officer

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below by the following persons in the capacities indicated on this 16th day of April, 2024.

Signature and Title
/s/ *
Markus Coombs
Director and Vice President
/s/ *
Elizabeth K. Dietrich
Director, Vice President, Chief Accounting Officer, and Chief Financial Officer
/s/ *
Alan M. Finkelstein
Director and Treasurer
By:	/s/ Christopher J. Madin
/s/ *	Christopher J. Madin
Scott E. Gaul	(Attorney-in-Fact)
Director, Vice President
/s/ *
Bradley O. Harris
Director
/s/ *
Salene Hitchcock-Gear
Director
/s/ *
Dylan J. Tyson
Director, President, and Chief Executive Officer

*Executed by Christopher J. Madin on behalf of those indicated pursuant to Power of Attorney.