Prudential Launches FlexGuard 2.0 with New Investment Allocation Options to Help Customers Protect Their Life’s Work, Furthering Commitment to the Registered Index-Linked Annuity Space

Key Terms

registered index-linked annuity financial

A registered index-linked annuity is a long-term insurance contract that links your returns to the performance of a market index while offering built-in limits on losses and gains. Think of it as a savings plan tied to the stock market but with a protective umbrella that cushions some downside and caps some upside; it can provide tax-deferred growth and steady income for retirement while exposing you to insurer credit risk, fees, and trade-offs between safety and potential returns — details investors should compare closely.

exchange-traded fund financial

An exchange-traded fund (ETF) is a type of investment fund that holds a collection of assets, such as stocks or bonds, and is traded on stock exchanges like individual stocks. It allows investors to buy and sell a diversified group of investments easily and efficiently, often at a lower cost. ETFs provide a simple way to gain exposure to a broad market or specific sectors without having to buy each asset separately.

NEWARK, N.J.--(BUSINESS WIRE)-- Prudential Financial, Inc. (NYSE: PRU) today announced the launch of FlexGuard 2.0, the next evolution of the company’s flagship retail registered index-linked annuity (RILA) U.S. retirement product lineup.

Prudential FlexGuard 2.0^® registered index-linked annuity builds on the record success* of Prudential’s premier RILA suite with new enhancements driven directly by customer and financial professional input, while maintaining the solution’s customizable protection levels, growth options, and flexibility to evolve with their goals.

“FlexGuard 2.0 is more than just a product upgrade,” said Scott Gaul, head of Individual Retirement Strategies at Prudential. “It builds on five years of market insights and customer and advisor feedback to deliver greater flexibility, usability and protection — further demonstrating Prudential’s relentless commitment to the RILA category and to helping people protect their life’s work.”

These key advancements are designed to help provide even greater value and peace of mind, including a new flexible allocation feature, and a simplified no-contract fee structure. Expanded buffers and a broader set of index and exchange-traded fund investment crediting strategies offer the opportunity for more protection and greater growth potential, linked to market performance.

Prudential’s latest innovation in the RILA market underscores the company’s ability to anticipate trends and deliver solutions that combine flexibility, simplicity and protection — advancing its efforts to expand access to retirement security.

About Prudential
Prudential Financial, Inc. (NYSE: PRU), a global financial services leader and premier active global investment manager with approximately $1.6 trillion in assets under management as of Sept. 30, 2025, has operations in the United States, Asia, Europe, and Latin America. Prudential’s diverse and talented employees help make lives better and create financial opportunity for more people by expanding access to investing, insurance, and retirement security. Prudential’s iconic Rock symbol has stood for strength, stability, expertise, and innovation for 150 years. For more information, please visit news.prudential.com.

Prudential’s Retirement Strategies business provides more than $15 billion of protected income payments each year to over 3 million individual and institutional customers and pension obligation participants. The team provides industry-leading solutions for growth and protection through relationships with more than 100,000 retail financial professionals and 7,500 institutional clients across five lines of business: Individual Retirement Strategies, Institutional Stable Value, U.S. Pension Risk Transfer, International Reinsurance, and Structured Settlements.

*Prudential FlexGuard^® reaches $10 billion total sales milestone at record pace. Business Wire: Prudential company-issued press release as of Aug. 4, 2022.

Annuities are issued by Pruco Life Insurance Company, Newark, NJ (main office). Registered index-linked annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. Both are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligation.

Guarantees are dependent upon the claims-paying ability of the issuing company and do not apply to the underlying investment options.

Registered index-linked annuities are complex insurance and investment vehicles and are long-term investments designed for retirement purposes. There is risk of loss of principal if negative index returns exceed the selected protection level. Gains or losses are assessed at the end of each term.

Certain indices and exchange-traded funds associated with Index Strategies may be subject to an underlying fee or reduction. A surrender charge or market value adjustment may apply in the event of an early withdrawal from the annuity.

Investors should carefully consider the features of the contract, index strategies, risks, charges, and expenses. The prospectus for the contract contains this and other important information and can be obtained from your financial professional. Please read them carefully before investing.

It is possible to lose money by investing in securities.

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View source version on businesswire.com: https://www.businesswire.com/news/home/20251215525831/en/

For more information, please contact:

Kristen Doyle

kristen.doyle@prudential.com

201-835-4872

Source: Prudential Financial, Inc.