All guarantees are based on the claims-paying ability of the issuing company.

Return of Premium Term is issued by Pruco Life Insurance Company except in New Jersey and New York, where the issuer is Pruco Life Insurance Company of New Jersey. Both are Prudential Financial companies located in Newark, NJ. Each is solely responsible for its own financial condition and contractual obligations. The policy form number is ICC13 PLTIR-2013 or PLTIR-2013 and may be followed by a state code. May not be available in all states. (Pruco Life Insurance Company, -- California COA # 3637, NAIC # 79227. The Prudential Insurance Company of America, a New Jersey company -- California COA # 1179, NAIC #68241.)

The issuer may have the right to contest the policy for misrepresentation or to apply a suicide clause.

0237823 Ed. 08/2016