Summary Prospectus for New Investors by Investment Company - Form 497VPI

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Charges For Early Withdrawals

If you withdraw money from the Contract within the first 10 Contract Years, you may be assessed a surrender charge. The maximum surrender charge is set forth in your Contract and ranges from $0.13 to $33.86 per $1,000 of Basic Insurance Amount. The maximum charge on a withdrawal that reduces the Basic Insurance Amount by $100,000 is $3,386. 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 the prospectus.

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 the 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:

For more information on ongoing fees and expenses, please refer to the FEE TABLE section of the prospectus and APPENDIX A, which is part of the prospectus and included below.

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 the prospectus.

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 the prospectus.

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 the prospectus.

An investment in the Contract is subject to the risks related to Pruco Life of New Jersey. Any obligations (including under the Fixed Rate Option), guarantees, or benefits are subject to the claims-paying ability of Pruco Life of New Jersey. More information about Pruco Life of New Jersey, 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 OF NEW JERSEY, THE REGISTRANT, AND THE FUNDS section of the prospectus.

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 No-Lapse Guarantee. 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 REINSTATEMENT section of the prospectus.

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 investment options. For more information on investment and transfer restrictions, please refer to the Transfers And Restrictions On Transfers subsection of the prospectus and APPENDIX A.

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. For more information on optional benefits under the Contract, please refer to the OTHER BENEFITS AVAILABLE UNDER THE CONTRACT section of the prospectus.

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 the prospectus.

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 the prospectus.

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 CONTRACT section of the prospectus.

PruLife® Custom Premier IIis a form of variable universal life insurance. A Death Benefit is paid upon the death of the insured person. In addition to life insurance coverage, the Contract provides the opportunity to earn a return through the available investment options. This Contract is designed for Contract Owners seeking benefits on a long-term basis and as such is not appropriate as a short-term investment or savings vehicle. Contract Owners should consider whether this Contract meets their financial goals, liquidity needs and investment time horizon.

The Contract offers flexibility in paying premiums. With certain exceptions, you choose the timing and the amount of premium payments. Payment of insufficient premiums may result in a lapse of the Contract. We reserve the right to refuse to accept a premium payment that would cause this Contract to fail to qualify as life insurance under the Internal Revenue Code.

You may choose to invest your Contract's premiums and its earnings in one or more of the available Variable Investment Options. A complete list of the available Funds is included in the Appendix to the prospectus. You may also choose to invest your Contract's premiums and its earnings in the Fixed Rate Option, which pays a guaranteed interest rate. Some investment options are not available through all broker-dealers.

Some Contract forms, features, and/or riders may not be available through all broker-dealers.

Types Of Death Benefit - You may choose from three types of Death Benefit. You may change from one Death Benefit type to another, subject to limitations, and charges may apply.

•Type A (fixed): the Death Benefit is generally the Basic Insurance Amount you chose.

•Type B (variable): the Death Benefit is generally the Basic Insurance Amount plus the value of the Contract Fund.

•Type C (return of premium): the Death Benefit is generally the Basic Insurance Amount plus the total premiums paid into the Contract and less any withdrawals.

Death Benefit Protection - The Contract includes at no additional cost a No-Lapse Guarantee. This provides a conditional guarantee that can keep your Contract in effect regardless of investment performance or Contract Fund value. The No-lapse Guarantee is subject to requirements for maintaining the guarantee. The guarantee may not last for the period of time you wish to keep your Contract.

Riders- Contract Owners may be eligible to select extra benefits called "riders." The charges associated with each rider are presented in the FEE TABLE section of the prospectus. Except as noted, all riders are only available at Contract issuance. Riders include:

•Accidental Death Benefit Rider: Pays an additional Death Benefit if the insured's death is accidental.

•BenefitAccess Rider: Provides an early payment of the Death Benefit, adjusted to reflect current value, if the insured becomes Chronically Ill or Terminally Ill.

•Children Level Term Rider: Provides life insurance coverage on the insured's children.

•Enhanced Disability Benefit Rider: Pays a monthly benefit amount into the Contract if the insured is totally disabled.

•Living Needs BenefitSM Rider: Provides an early payment of all or part of the Death Benefit, adjusted to reflect current value, if the insured becomes terminally ill.

•Overloan Protection Rider: Provides protection against lapse if your outstanding loan(s), including interest, exceeds the cash value of your Contract.

Loans - You may borrow money from us using your Contract as security for the loan. There is no minimum loan amount. Interest charges will apply. All loans after the 10th Contract Anniversary will be considered preferred loans and are charged a lower annual interest rate.

Withdrawals - Under certain circumstances and limitations, you may withdraw a part of the Contract's Cash Surrender Value without surrendering the Contract. Charges may apply.

Surrendering the Contract- A Contract may be surrendered for its Cash Surrender Value while the insured is living. A surrender charge may apply.

Canceling the Contract (Right To Cancel or "Free Look") - Generally, you may return the Contract for a refund within 10 days after you receive it.

Generally, the Contract may be issued on insureds through age 85 for Contracts with Type A or Type B Death Benefits and through age 75 for Contracts with Type C Death Benefit. Currently, the minimum Basic Insurance Amount is $50,000 for insureds under the issue age of 18, $75,000 for insureds issue ages 18-75, $100,000 for insureds issue ages 76-80, and $250,000 for insureds issue ages 81-85. The minimum Basic Insurance Amount for Contracts issued with a Type C Death Benefit is $250,000. Certain riders have issue age and Basic Insurance Amount requirements and may not be available with all Contracts.

We require evidence of insurability, which may include a medical examination, before issuing any Contract. There is no insurance under this Contract until the minimum initial premium is paid. If a medical examination is required, the Contract Date will ordinarily be the date the examination is completed. Under certain circumstances, we may allow the Contract to be backdated up to six months prior to the application date for the purpose of lowering the insured's issue age. This may be advantageous for some Contract Owners as a lower issue age may result in lower current charges.

For more information please refer to the REQUIREMENTS FOR ISSUANCE OF A CONTRACT and OTHER BENEFITS AVAILABLE UNDER THE CONTRACT sections in the prospectus.

When you apply for a contract, you must select from three types of Death Benefit (referred to as "Type A," "Type B," and "Type C").

A Type A (fixed) Death Benefit will generally equal the Basic Insurance Amount. Withdrawals from a Type A Contract generally result in a reduction of the Basic Insurance Amount by the amount of the withdrawal and will result in the deduction of any applicable surrender charge.

A Type B (variable) Death Benefit will generally equal the Basic Insurance Amount plus the Contract Fund. Due to a higher Net Amount At Risk, a Type B Death Benefit has a greater cost of insurance charge than a Type A Death Benefit.

A Type C (return of premium) Death Benefit will generally equal the Basic Insurance Amount plus the total premiums paid into the Contract less withdrawals. Due to a higher Net Amount At Risk, a Type C Death Benefit has a greater cost of insurance charge than a Type A Death Benefit.

We may increase the Death Benefit to ensure that the Contract will satisfy the Internal Revenue Code's definition of life insurance. You may change the type of Death Benefit any time after issue, subject to Contract limitations and our approval, by sending us a request in Good Order to our Service Office. For more information please refer to the Types Of Death Benefit, Changing the Type Of Death Benefit, and Withdrawals subsections in the prospectus.

You may not increase the Basic Insurance Amount after issue. You have the option of decreasing the Basic Insurance Amount of your Contract without withdrawing any Cash Surrender Value, subject to Contract limitations and our approval. A decrease will reduce your insurance protection and the monthly deductions for the cost of insurance, and may have tax ramifications. For more information please refer to the Decreasing the Basic Insurance Amount subsection and TAXES section in the prospectus.

You must designate a beneficiary of the Death Benefits. You may change the beneficiary, provided the beneficiary is not designated as irrevocable, by sending us a request. The beneficiary may choose to receive death claim proceeds by any of the settlement options available at the time the proceeds become payable, including by payment of a lump sum check. For more information please refer to the PERSONS HAVING RIGHTS UNDER THE CONTRACT section and the Death Claim Settlement Options subsection of the prospectus.

Generally, we will pay any Death Benefit within seven days after all the documents required for such a payment are received in Good Order at the office designated to receive that request. The Death Benefit is determined as of the date of death. The Death Benefit will be reduced by the amount of any Contract Debt and, if the insured dies while the Contract is in default, all unpaid monthly deductions. For more information please refer to the When Death Benefit Proceeds Are Paid subsection of the prospectus.

No-Lapse Guarantee(1)

•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.

Accidental Death Benefit Rider(1)

•Death resulting from injury must occur no more than 90 days after the injury.

•Benefit will end on the earliest 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.

BenefitAccess Rider(1)

•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.

Children Level Term Rider(1)

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; or

•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 Disability Benefit Rider(1)

•Coverage will end as of the first Contract Anniversary on or after the insured's 65th birthday.

•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(2)

•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.

•Not available with Contracts that include the BenefitAccess Rider.

Overloan Protection Rider(2)

If exercised, guarantees protection against Contract lapse due to loans, even if the Contract Debt exceeds the cash value of the Contract.

•Only available when Guideline Premium(3) 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.

The minimum initial premium is due on or before the Contract Date. It is the premium needed to start the Contract. For Contracts with a Death Benefit Type A or Type B, the minimum initial premium is equal to 9% of the Limited No-Lapse Guarantee Premium, including all extras and additional premiums for optional riders and benefits. For Contract with a Type C Death Benefit, the minimum initial premium is equal to 9% of the Short Term No-Lapse Guarantee Premium, including all extras and additional premiums for optional riders and benefits. We may require an additional premium if deductions from the premium payments and any Contract Fund charges due on or before the payment date exceed the minimum initial premium. There is no insurance under the Contract unless at least the minimum initial premium is paid. For more information please refer to the Minimum Initial Premium subsection in the prospectus.

After the minimum initial premium is paid, no other specific premiums are required and you have a certain amount of flexibility with respect to the amount and timing for future premium payments. However, there are certain premiums required to maintain the no-lapse guarantees offered under the Contract.

•Short Term No-Lapse Guarantee Premiums are premiums that will keep the Contract in force during the Short Term No-Lapse Guarantee period (the first eight Contract Years (first six Contract Years for issue ages 60 and above)) regardless of investment performance and assuming no loans, withdrawals, or Contract changes. If you choose to continue a No-Lapse Guarantee beyond this period, you will have to begin paying premiums higher than the Short Term No-Lapse Guarantee Premium.

•Limited No-Lapse Guarantee Premiums are premiums that will keep the Contract in force during the Limited No-Lapse Guarantee period (until the later to occur of the Contract Anniversary on or after the insured's Attained Age 75 or 10 years after issue) regardless of investment performance and assuming no loans, withdrawals, or Contract changes. Contracts issued with a Type C Death Benefit do not offer the No-Lapse Guarantee for this period.

If the Contract subsequently enters default, we will tell you the amount you need to pay to keep the Contract in force, and when you will need to pay that amount. It's important to know that these additional payment amounts could be substantial. For more information please refer to the No-Lapse Guarantee subsection and PREMIUMS section in the prospectus.

We can bill you for the amount you select annually, semi-annually, or quarterly. Because the Contract is a flexible premium Contract, there are no scheduled premium due dates. When you receive a premium notice, you are not required to pay this amount, however, paying premiums in a different manner than described in a Contract illustration may shorten the duration of your lapse protection provided by the No-Lapse Guarantees, or even cause your Contract to lapse. When you do make a premium payment, the minimum amount that we will accept is $25.

You may also pay premiums automatically through pre-authorized monthly electronic fund transfers from a bank checking account. If you elect to use this feature, you choose the day of the month on which premiums will be paid and the premium amount. We will then draft the same amount from your account on the same date each month. When you apply for the Contract, you and your Pruco Life of New Jersey representative should discuss how frequently you would like to be billed (if at all) and for what amount. For more information please refer to the PREMIUMS section in the prospectus.

We reserve the right to refuse to accept any payment that would require us to increase the Death Benefit (under Section 7702 of the Internal Revenue Code) by more than the payment increases the Contract Fund. For Contracts with the Guideline Premium Test as the definition of life insurance test, if a premium payment would cause the definition of life insurance to be violated, we will return the portion of the premium in excess of the allowable amount. For more information please refer to the PREMIUMS section in the prospectus.

We will determine the value of the Contract Fund on each Monthly Date. If the Contract Fund, less any applicable surrender charge and less any Contract Debt, is zero or less, the Contract is in default, unless it remains in force under a No-Lapse Guarantee. Separately, if the Contract Debt ever grows to be equal to or more than the Contract Fund less any applicable surrender charge, the Contract will be in default, unless it remains in force under the Overloan Protection Rider. Should this happen, we will send you a notice of default setting forth the payment which we estimate will keep the Contract in force for three months from the date of default. A 61-day grace period will begin from the date the notice of default is mailed. Your payment must be received or postmarked within the 61-day grace period or the Contract will end and have no value. To prevent your Contract from lapsing, your payment must be in Good Order when received at the Payment Office. A Contract that lapses with an outstanding Contract loan may have tax consequences. For more information please refer to the LAPSE AND REINSTATEMENT section in the prospectus.

A Contract that lapses may be reinstated within five years from the date of default, if the following conditions are met:

(a)We receive a written request for reinstatement in Good Order at our Service Office;

(b)Renewed evidence of insurability is provided on the insured, proving the insured remains at the same underwriting classification that applied at the expiration of the grace period;

(c)The insured is living on the date the Contract is reinstated; and

(d)Submission of certain payments sufficient to bring the Contract's Cash Surrender Value to zero on the date of lapse plus a premium that we estimate will cover all charges and deductions for three months from the date of reinstatement. Required payment amounts will reflect any charges due and unpaid from the period during which the Contract was supported by the No-Lapse Guarantee in addition to charges due and unpaid during the grace period.

The reinstatement date will be the date we approve your request. We reserve the right to change the requirements to reinstate a lapsed Contract. For more information please refer to the LAPSE AND REINSTATEMENT section in the prospectus.

You may borrow an amount up to the current loan value of your Contract less any existing Contract Debt using the Contract as the only security for the loan. The loan value at any time is equal to the sum of (1) 99% of the portion of the cash value attributable to the Variable Investment Options and (2) the balance of the cash value, provided the Contract is not in default. The cash value is equal to the Contract Fund less any surrender charge. A Contract in default has no loan value. There is no minimum loan amount. For more information please refer to the Loans subsection in the prospectus.

You may withdraw a portion of the Contract's Cash Surrender Value without surrendering the Contract, subject to the following restrictions.

(1)We must receive a request for the withdrawal in Good Order at our Service Office.

(2)Your Contract's Cash Surrender Value after the withdrawal may not be less than or equal to zero after deducting (a) any charges associated with the withdrawal and (b) an amount that we estimate will be sufficient to cover two months of Contract Fund deductions.

(3)The withdrawal amount must be at least $500.

(4)The Basic Insurance Amount after withdrawals must be at least equal to the minimum Basic Insurance Amount shown in the Contract.

(5)Your Contract must not be in force under the provisions of the Overloan Protection Rider.

(6)You must not be receiving Benefit Payments under the BenefitAccess Rider.

Whenever a withdrawal is made, the Death Benefit will immediately be reduced by at least the amount of the withdrawal. The withdrawal may also decrease the Basic Insurance Amount, which may result in the deduction of a surrender charge.

When a withdrawal is made, the Contract Fund is reduced by the withdrawal amount and any charges associated with the withdrawal. An amount equal to the reduction in the Contract Fund will be withdrawn proportionally from the investment options unless you direct otherwise. Withdrawal of any portion of the Cash Surrender Value increases the risk that the Contract Fund may be insufficient to provide Contract benefits. If such a withdrawal is followed by unfavorable investment experience, the Contract may go into default. No withdrawal will be permitted from a Contract with a Type A Death Benefit if it would result in a Basic Insurance Amount of less than the minimum Basic Insurance Amount shown under Contract Limitations in your Contract's data pages. It is important to note, however, that if the Basic Insurance Amount is decreased, there is a possibility that the Contract might be classified as a Modified Endowment Contract. Before making any withdrawal that causes a decrease in Basic Insurance Amount, you should consult with your tax adviser and your financial professional.

Withdrawals from a Contract with a Type B (variable) or Type C (return of premium) Death Benefit will not change the Basic Insurance Amount. However, under most circumstances, withdrawals from a Contract with a Type A (fixed) Death Benefit require a reduction in the Basic Insurance Amount. It is possible a withdrawal from a Contract with a Type A Death Benefit will not decrease the Basic Insurance Amount if the Contract Fund has grown to the point where the base Contract's Death Benefit has been increased as required by the Internal Revenue Code's definition of life insurance test.

A withdrawal may not be repaid except as a premium subject to the applicable charges. Upon request, we will tell you how much you may withdraw. Withdrawal of the Cash Surrender Value may have tax consequences. For more information please refer to the Withdrawals subsection and TAXES section in the prospectus.

You may surrender your Contract at any time for its Cash Surrender Value while the insured is living. To surrender your Contract, we may require you to deliver or mail the following items in Good Order to a Service Office: (a) the Contract, (b) a signed request for surrender, (c) any tax withholding information required under federal or state law, and (d) the authorization of any assignee or irrevocable beneficiary. The Cash Surrender Value will be determined as of the end of the Valuation Period in which a surrender request is received in Good Order at a Service Office. The Contract's Cash Surrender Value on any date will be the Contract Fund less any applicable surrender charge and less any Contract Debt. Surrender of a Contract will end all benefits under the Contract and may have tax consequences. For more information please refer to the Surrender Of a Contract and How a Contracts Cash Surrender Value Will Vary subsections in the prospectus.

Generally, we will pay any Cash Surrender Value, loan proceeds, or withdrawal within seven days after all the documents required for such a payment are received in Good Order at the office designated to receive that request. The amount will be determined as of the end of the Valuation Period in which the necessary documents are received in Good Order at the office designated to receive that request. For more information please refer to the When Proceeds Are Paid subsection in the prospectus.

TRANSACTION FEES

Charge

When Charge Is Deducted

Amount Deducted

Sales Charge On Premiums(1) (load)

Deducted from premium payments.

Contract Years 1 - 8: 1.5%

Years 9 - 10: 1.25%

Years 11+: 0%

Premium-Based Administrative Charge

(Charge for state and federal premium taxes and other charges that are based on premiums.)

Deducted from premium payments.

Surrender Charge(2)

(Minimum and maximum per $1,000 of Basic Insurance Amount.)

Upon lapse, surrender, or decrease in Basic Insurance Amount.

From $0.13 to $36.28

From $0.13 to $36.28

Initial surrender charge for a representative Contract Owner.(3)

Transfer fee

Each transfer exceeding 12 in any Contract Year.

Withdrawal fee

Upon withdrawal.

Basic Insurance Amount decrease fee

Upon decrease in Basic Insurance Amount.

Contract illustration fee

BenefitAccess Rider fee

One-time charge when the Terminal Illness Option of the rider is exercised.

Living Needs BenefitSM Rider fee

When benefit is paid.

Overloan Protection Rider fee

(Percentage of the Contract Fund amount.)

One-time charge upon exercising the rider benefit.

PERIODIC CHARGES OTHER THAN ANNUAL FUND EXPENSES

Charge

When Charge

Is Deducted

Amount Deducted

Cost Of Insurance ("COI")

for the Basic Insurance Amount.(1)(2)(3)

(Minimum and maximum charge per $1,000 of the Net Amount At Risk.)

Monthly

From $0.0067 to $83.34

Initial charge for a representative Contract Owner.(4)

$0.077

Administrative Charge For Basic Insurance Amount(2)(5)

(Minimum and maximum charge (charge per $1,000 of Basic Insurance Amount plus a flat fee).)

Monthly

From $0.06 to $1.74, plus $12

From $0.06 to $1.74(8), plus $12

Initial charge for a representative Contract Owner.(4)

$0.09 plus $12

$0.09(8) plus $12

Mortality And Expense Risk Charge(6)

(Calculated as a percentage of assets in Variable Investment Options.)

Daily

0.45%

Additional Mortality Charge For Certain Risks

associated with health conditions, occupations, avocations, or aviation.(2)(7)

(Flat extra per $1,000 of Basic Insurance Amount.)

Monthly

From $0.10 to $2.08

From $0.10 to $2.08

Net Interest On Loans

Annually

1% for standard loans.

0.05% for preferred loans.

1% for standard loans.

0.05% for preferred loans.

Accidental Death Benefit Rider(2)(9)

(Minimum and maximum charge per $1,000 of the coverage amount.)

Monthly

From $0.05 to $0.28

From $0.05 to $0.28

Charge for a representative Contract Owner.(4)

$0.067

$0.067

BenefitAccess Rider(1)(2)

2% Monthly Benefit Percentage:

(Minimum and maximum charge per $1,000 of the Net Amount At Risk.)

Monthly

From $0.0025 to $14.43

From $0.0025 to $10.91

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.)

From $0.0034 to $20.20

From $0.0034 to $15.27

Initial charge for a representative Contract Owner.(4)

Children Level Term Rider

(Charge per $1,000 of the coverage amount.)

Enhanced Disability Benefit Rider(2)(10)(11)

(Minimum and maximum charge (percentage of the monthly benefit amount).)

From 7.08% to 12.17%

From 7.08% to 12.17%

Initial charge for a representative Contract Owner.(4)

Fund - Investment Manager(s) / Subadviser(s)

American Funds Insurance Series® Growth Fund (Class 2) - Capital Research and Management CompanySM

American Funds Insurance Series® International Fund (Class 2) - Capital Research and Management CompanySM

American Funds Insurance Series® Washington Mutual Investors Fund (Class 2) - Capital Research and Management CompanySM

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

AST Cohen & Steers Realty Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / Cohen & Steers Capital Management, Inc.

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

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

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

AST J.P. Morgan Tactical Preservation Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / J.P. Morgan Investment Management, Inc.

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.

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

AST MFS Global Equity Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / Massachusetts Financial Services Company

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

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

Fund - Investment Manager(s) / Subadviser(s)

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

AST Small-Cap Growth Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / Driehaus Capital Management LLC.; Emerald Mutual Fund Advisers Trust; Massachusetts Financial Services Company; UBS Asset Management (Americas) Inc.; Victory Capital Management Inc.

AST Small-Cap Value Portfolio - PGIM Investments LLC, AST Investment Services, Inc. / Boston Partners Global Investors, Inc.; Goldman Sachs Asset Management, L.P.; Hotchkis & Wiley Capital Management, LLC; J.P. Morgan Investment Management, Inc.

ClearBridge Variable Mid Cap Portfolio (Class II) - Franklin Templeton Fund Adviser, LLC / ClearBridge Investments, LLC

Franklin Global Real Estate VIP Fund (Class 2) - Franklin Advisers, Inc.

Franklin Income VIP Fund (Class 2) - Franklin Advisers, Inc.

Franklin Rising Dividends VIP Fund (Class 2) - Franklin Advisers, Inc.

Franklin Small Cap Value VIP Fund (Class 2) - Franklin Mutual Advisers, LLC

MFS® Investors Trust Series (Service Class) - Massachusetts Financial Services Company

MFS® New Discovery Series (Service Class) - Massachusetts Financial Services Company

MFS® Total Return Bond Series (Service Class) - Massachusetts Financial Services Company

MFS® Total Return Series (Service Class) - Massachusetts Financial Services Company

MFS® Utilities Series (Service Class) - Massachusetts Financial Services Company

MFS® Value Series (Service Class) - Massachusetts Financial Services Company

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

PSF Mid-Cap Growth Portfolio (Class I) - PGIM Investments LLC / J.P. Morgan Investment Management Inc.

PSF Natural Resources Portfolio (Class I) - PGIM Investments LLC / T. Rowe Price Associates, Inc.

PSF PGIM 50/50 Balanced Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC

PSF PGIM Flexible Managed Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income; PGIM Limited; PGIM Quantitative Solutions LLC

PSF PGIM Government Income Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income

PSF PGIM Government Money Market Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income

PSF PGIM High Yield Bond Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income; PGIM Limited

Fund - Investment Manager(s) / Subadviser(s)

PSF PGIM Jennison Blend Portfolio (Class I) (includes all assets from PSF PGIM Jennison Focused Blend Portfolio) - PGIM Investments LLC / Jennison Associates LLC

PSF PGIM Jennison Growth Portfolio (Class I) - PGIM Investments LLC / Jennison Associates LLC

PSF PGIM Jennison Value Portfolio (Class I) - PGIM Investments LLC / Jennison Associates LLC

PSF PGIM Total Return Bond Portfolio (Class I) - PGIM Investments LLC / PGIM Fixed Income; PGIM Limited

PSF Small-Cap Stock Index Portfolio (Class I) (includes all assets from PSF Small-Cap Value Portfolio) - PGIM Investments LLC / PGIM Quantitative Solutions LLC

PSF Stock Index Portfolio (Class I) - PGIM Investments LLC / PGIM Quantitative Solutions LLC

T. Rowe Price Blue Chip Growth Portfolio (Class II) - T. Rowe Price Associates, Inc.

T. Rowe Price Equity Income Portfolio (Class II) - T. Rowe Price Associates, Inc.

T. Rowe Price Health Sciences Portfolio (Class II) - T. Rowe Price Associates, Inc.

T. Rowe Price Limited-Term Bond Portfolio (Class II) - T. Rowe Price Associates, Inc. / T. Rowe Price International Ltd and T. Rowe Price Hong Kong Limited

T. Rowe Price Mid-Cap Growth Portfolio (Class II) - T. Rowe Price Associates, Inc. / T. Rowe Price Investment Management, Inc., T. Rowe Price International Ltd, and T. Rowe Price Hong Kong Limited

Templeton Global Bond VIP Fund (Class 2) - Franklin Advisers, Inc.

TOPS® Aggressive Growth ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC

TOPS® Balanced ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC

TOPS® Conservative ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC

TOPS® Growth ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC

TOPS® Moderate Growth ETF Portfolio (Class 2) - ValMark Advisers, Inc. / Milliman Financial Risk Management, LLC

Western Asset Core Plus VIT Portfolio (Class II) - Franklin Advisers, Inc. / Western Asset Management Company, LLC; Western Asset Management Company Limited in London; Western Asset Management Company Pte. Ltd. in Singapore; and Western Asset Management Company Ltd in Japan