Pruco Life Insurance Company Pruco Life Insurance Company of New Jersey

0266525 Ed. 09/2016 0266525-00008-00 Exp. 01/15/2018

VUL Protector® U N D E R L Y I N G I N V E S T M E N T O P T I O N S

This brochure must be preceded or accompanied by the consumer brochure and the policy prospectus. You should consider the investment objectives, risks, and charges and expenses carefully before investing in the contract and/or underlying portfolios. This and other important information can be found in the prospectus. Contact your financial professional for the contract’s prospectus and the underlying portfolios’ prospectuses. You should read the prospectuses carefully before investing.

FUND PORTFOLIO

Not only does it offer the generally income tax-free death benefit protection you expect from a life insurance policy (according to IRC §101(a)), but it also features a diverse selection of underlying investment options that allow for tax-deferred cash accumulation potential. To fully understand all the features and benefits of VUL Protector, it is essential that you review the accompanying product brochure and product prospectus.

A WIDE RANGE OF INVESTMENT OPTIONS

Each of these investment options has been reviewed by our team of experienced professional analysts, who make on-site visits and use a variety of analytical tools to evaluate the quality and integrity of a firm. We consider performance as well as consistency of investment style, reputation, stability of management, and compliance procedures. We continually monitor these firms to help ensure that they maintain the standards we—and you—expect.

THE IMPORTANCE OF ASSET ALLOCATION

Asset allocation, the process of applying the objectives of different investment options to your specific risk tolerance and goals, can increase your chances of growing your policy’s cash value while managing overall risk. By spreading your net premiums among a variety of asset classes, you may help reduce the risk to your policy’s contract fund from any single investment option and position yourself to potentially benefit from a broad range of opportunities.

Your policy’s underlying investment options make it possible for the policy’s cash value to increase with favorable performance, but the cash value may also decrease with unfavorable performance. We recommend that you develop an asset allocation in consultation with your financial professional.

INVESTMENT OPTIONS MANAGEMENT TOOLS

Because your needs will likely change over time, VUL Protector offers several free features that make it easier to keep your policy in line with your goals. These features can help you adjust your policy to changes in your personal circumstances and risk tolerance, and to fluctuations in the market:

¢ Allocated Charges. You can specify from which variable investment options (up to two, excluding the Fixed-Rate Option) you would like to have the monthly charges deducted, enabling you to have charges taken from more stable variable investment options.

¢ Auto-Rebalancing. Because your asset allocation may become unbalanced over time as the performance of your investment options fluctuates in changing markets, this feature automatically rebalances your investment options (except the Fixed-Rate Option) to match your selected allocation. You can choose to have it occur quarterly, semiannually, or annually.

¢ Dollar Cost Averaging. This tool can help you manage risk by spreading your payments into the variable investment options over time. Payments are first made to the Money Market Portfolio, and the funds are then regularly transferred to the variable investment options you choose. Over time, this results in purchasing more units when prices are low and fewer when prices are high, thereby potentially reducing the average cost per unit. This does not guarantee you will see a profit, purchase more units than you otherwise would have, or be protected against losses in declining markets. As a result, you should carefully consider your financial ability to continue purchases through periods of low price levels.

¢ Free Fund Transfers. You can transfer amounts from one investment option to another 12 times a year with no charges. One transfer per year is allowed from the Fixed-Rate Option, and the amount allowed is limited. (Please see the prospectus for additional information.) These transfers are in addition to the ones made automatically for Auto-Rebalancing or Dollar Cost Averaging. If you exceed 12 transfers per year, you may be charged an administrative fee for each additional transaction. We reserve the right to restrict the number and timing of additional transfers. Transfers in excess of 20 for the year will require our approval and must be submitted on a form acceptable to us, bear an original signature, and be sent to us by U.S. regular mail. VUL Protector was not designed for professional market-timing organizations, other organizations, or individuals using programmed, large, or frequent transfers. We also reserve the right to prohibit transfer requests made by an individual acting under power of attorney on behalf of more than one policyowner.

VUL Protector can help take the guesswork out of preparing for your long-term goals.

Whatever your goals may be, start working toward them now. Put the power of protection and potential accumulation on your side with VUL Protector—a life insurance policy that gives you choice and flexibility.

FUND PORTFOLIO

FUND FAMILY ORGANIZATION “AST” refers to Advanced Series Trust Funds. Refer to the back cover for important information about these funds.

(*Asset Allocation Funds.)

Prudential offers more than 60 underlying investment options from well-known fund companies. Our Strategic Investment Research Group (SIRG) is an internal consultant for third-party money managers. One of their key functions is to provide research, due diligence, and risk oversight of the underlying investment managers for Prudential PSF funds and Asset Allocation funds.

FUND FAMILY COMPANY LOGO FUND NAME

Advanced Series Trust

} AST Advanced Strategies Portfolio } AST Balanced Asset Allocation Portfolio* } AST International Value Portfolio } AST Preservation Asset Allocation Portfolio* } AST Prudential Growth Allocation Portfolio } AST Value Equity Portfolio

American Funds®

} American Funds Insurance Series® Blue Chip Income and Growth FundSM

} American Funds Insurance Series® Growth FundSM

} American Funds Insurance Series® Growth-Income FundSM } American Funds Insurance Series® International FundSM

BlackRock  } AST BlackRock Global Strategies Portfolio* } AST BlackRock/Loomis Sayles Bond Portfolio

Dreyfus } Dreyfus Mid Cap Stock Portfolio } Dreyfus Socially Responsible Growth Fund, Inc.

Fidelity Investments  } Fidelity® VIP Index 500 Portfolio } Fidelity® VIP Mid Cap Portfolio } Fidelity® VIP Contrafund® Portfolio

Franklin Templeton

} AST Templeton Global Bond Portfolio } Franklin Income VIP Fund } Franklin Mutual Shares VIP Fund } Templeton Growth VIP Fund

Goldman Sachs } AST Goldman Sachs Mid‐Cap Growth Portfolio

Hotchkis & Wiley } AST Hotchkis & Wiley Large‐Cap Value Portfolio

Invesco } Invesco V.I. Growth and Income

Jennison } PSF Jennison Portfolio } PSF Jennison 20/20 Focus Portfolio

J.P. Morgan } AST J.P. Morgan International Equity Portfolio } AST J.P. Morgan Strategic Opportunities Portfolio* } J.P. Morgan Insurance Trust Intrepid Mid Cap Portfolio

Loomis Sayles } AST Loomis Sayles Large-Cap Growth Portfolio

FUND FAMILY ORGANIZATION “AST” refers to Advanced Series Trust Funds. Refer to the back cover for important information about these funds.

FUND FAMILY COMPANY LOGO FUND NAME

MFS

} AST MFS Global Equity Portfolio } AST MFS Growth Portfolio } MFS Total Return Bond Series } MFS Utilities Series } MFS Value Series

Neuberger Berman } Neuberger Berman AMT Socially Responsive Portfolio

PIMCO } AST BlackRock Low Duration Bond Portfolio

Prudential

} PSF Conservative Balanced Portfolio } PSF Diversified Bond Portfolio } PSF Equity Portfolio } PSF Flexible Managed Portfolio } PSF Global Portfolio } PSF High Yield Bond Portfolio } PSF Government Money Market Portfolio } PSF SP Prudential US Emerging Growth Portfolio } PSF SP Small‐Cap Value Portfolio } PSF Stock Index Portfolio } PSF Value Portfolio

Pyramis } AST FI Pyramis® Quantitative Portfolio*

RCM } AST RCM World Trends Portfolio*

Schroders } AST Schroders Global Tactical Portfolio*

T. Rowe Price } AST T. Rowe Price Asset Allocation Portfolio* } AST T. Rowe Price Large‐Cap Growth Portfolio

TOPS Funds

} TOPS® Aggressive Growth ETF Portfolio* } TOPS® Balanced ETF Portfolio* } TOPS® Conservative ETF Portfolio* } TOPS® Growth ETF Portfolio* } TOPS® Managed Risk Balanced ETF Portfolio* } TOPS® Managed Risk Growth ETF Portfolio* } TOPS® Managed Risk Moderate Growth ETF Portfolio* } TOPS® Moderate Growth ETF Portfolio*

Wellington Management } AST Wellington Management Hedged Equity Portfolio*

(*Asset Allocation Funds.)

VUL PROTECTOR®

“AST” refers to Advanced Series Trust Funds. Refer to the back cover for important information about these funds.

A FIXED-RATE OPTION IS AVAILABLE (1% MINIMUM

GUARANTEE).

There is no assurance the portfolio objectives will be achieved.

Large Cap = Companies within market capitalization range of the Russell 1000 Index

Mid Cap = Companies within market capitalization range of the Russell Mid-Cap Index

Small Cap = Companies within market capitalization range of the Russell 2000 Index

Value Manager = A manager with a value style who seeks securities that are undervalued in price and have the potential to appreciate

Growth Manager = A manager with a growth style who seeks securities with the potential to grow faster than the rest of the market

Blend Manager = A manager with a blend style who invests in both value and growth securities

LARGE-CAP VALUE LARGE-CAP BLEND LARGE-CAP GROWTH

} AST Value Equity Portfolio } AST Hotchkis & Wiley Large‐Cap Value Portfolio } AST International Value Portfolio** } Franklin Income VIP Fund } Franklin Mutual Shares VIP Fund } Invesco V.I. Growth and Income }MFS Utilities Series*** } PSF Value Portfolio } Templeton Growth VIP Fund

} American Funds Insurance Series® Blue Chip Income and Growth FundSM

} American Funds Insurance Series® Growth-Income FundSM

} AST J.P. Morgan International Equity Portfolio** }Dreyfus Socially Responsible Growth Fund, Inc.*** } Fidelity® VIP Index 500 Portfolio } MFS VIT Value Series } PSF Global Portfolio** } PSF Stock Index Portfolio

} American Funds Insurance Series® Growth FundSM } American Funds Insurance Series® International FundSM** } AST Loomis Sayles Large-Cap Growth Portfolio } AST MFS Global Equity Portfolio** } AST MFS Growth Portfolio } AST T. Rowe Price Large‐Cap Growth Portfolio } Fidelity® VIP Contrafund® Portfolio }Neuberger Berman AMT Socially Responsive*** } PSF Equity Portfolio } PSF Jennison Portfolio } PSF Jennison 20/20 Focus Portfolio

MID-CAP VALUE MID-CAP BLEND MID-CAP GROWTH

} Dreyfus Mid Cap Stock Portfolio } J.P. Morgan Insurance Trust Intrepid Mid Cap

} AST Goldman Sachs Mid‐Cap Growth Portfolio } Fidelity® VIP Mid Cap Portfolio } PSF SP Prudential U.S. Emerging Growth Portfolio

SMALL-CAP VALUE SMALL-CAP BLEND SMALL-CAP GROWTH

} PSF SP Small‐Cap Value Portfolio

All Asset Allocation Funds fall under Large-Cap Blend. ASSET ALLOCATION/BALANCED FIXED INCOME/BOND FUNDS

} AST Advanced Strategies Portfolio } AST Balanced Asset Allocation Portfolio } AST BlackRock Global Strategies Portfolio } AST FI Pyramis® Quantitative Portfolio } AST J.P. Morgan Strategic Opportunities Portfolio } AST Preservation Asset Allocation Portfolio } AST Prudential Growth Allocation Portfolio } AST RCM World Trends Portfolio } AST Schroders Global Tactical Portfolio } AST T. Rowe Price Asset Allocation Portfolio } AST Wellington Management Hedged Equity Portfolio } PSF Conservative Balanced Portfolio } PSF Flexible Managed Portfolio } TOPS® Aggressive Growth ETF Portfolio } TOPS® Balanced ETF Portfolio } TOPS® Conservative ETF Portfolio } TOPS® Growth ETF Portfolio } TOPS® Managed Risk Balanced ETF Portfolio } TOPS® Managed Risk Growth ETF Portfolio } TOPS® Managed Risk Moderate Growth ETF Portfolio } TOPS® Moderate Growth ETF Portfolio

} AST BlackRock/Loomis Sayles Bond Portfolio } AST BlackRock Low Duration Bond Portfolio } AST Templeton Global Bond Portfolio } MFS Total Return Bond Series } PSF Diversified Bond Portfolio } PSF High Yield Bond Portfolio } PSF Government Money Market Portfolio

TOPS® stands for The Optimized Portfolio System.

ETF stands for Exchange-Traded Funds.

High-yield bonds, commonly known as junk bonds, are subject to a high level of credit and market risk.

Investing in foreign securities presents certain unique risks not associated with domestic investments, such as currency fluctuation and political and economic changes.

Small- and Mid-cap stocks have limited market ability and may be subject to more abrupt or erratic market movements than large-cap stocks.

Securities that focus in certain economic sectors are more vulnerable to any single economic, political, or regulatory development.

INVESTMENT STYLES All portfolios are placed according to the investment objectives contained in the current prospectus.

(**International Equity Funds.) (***Specialty Funds.) ( Socially Responsible Portfolio.)

VUL Protector offers variable investment options that invest in funds offered through the Advanced Series Trust. These variable investment options have the prefix “AST.” The AST variable investment options are also available in variable annuity contracts we offer. Some of these variable annuity contracts offer optional living benefits that utilize a predetermined mathematical formula (the “formula”) to manage the guarantees offered in connection with those optional benefits. You should be aware that the operation of the formula in those variable annuity contracts may result in large-scale asset flows into and out of the underlying funds through a series of transfers. In addition to increasing the funds’ expenses, the asset flows may adversely affect performance by (i) requiring the funds to purchase or sell securities at inopportune times; (ii) otherwise limiting the subadvisor’s ability to fully implement the funds’ investment strategies; or (iii) requiring the funds to hold a larger portion of their assets in highly liquid securities than they otherwise would hold.

Before you allocate to these variable investment options, you should consider the impact the formula will have on each fund’s risk profile, expenses, and performance.

Risks Associated with the Variable Investment OptionsThe Separate Account invests in the shares of one or more open-end management investment companies registered under the Investment Company Act of 1940. Each variable investment option has its own investment objective and associated risks, which are described in the fund prospectuses. The income, gains, and losses of one variable investment option have no effect on the investment performance of any other variable investment option. We do not promise that the variable investment options will meet their investment objectives. Amounts allocated to the variable investment options may grow in value, decline in value, or grow less than expected, depending on the investment performance of the variable investment options chosen. You bear the investment risk that the variable investment options may not meet their investment objectives. It is possible to lose your entire investment in the variable investment options. Although the Series Fund Money Market Portfolio is designed to be a stable investment option, it is possible to lose money in that portfolio. For example, when prevailing short-term interest rates are very low, the yield on the Money Market Portfolio may be so low that, when separate account and contract charges are deducted, you experience a negative return.

It is possible to lose money by investing in securities.VUL Protector is issued by Pruco Life Insurance Company in all states except New York, where it is issued by Pruco Life Insurance Company of New Jersey. Both companies are located at 213 Washington Street, Newark, NJ 07102. It is offered through Pruco Securities, LLC (member SIPC), 751 Broad Street, Newark, NJ 07102. All are Prudential Financial companies. Each is solely responsible for its own financial condition and contractual obligations. The contract number is VULNLG-2015 or ICC15 VULNLG-2015 (VULNLG-2014 in NY) and may be followed by a state code. It is also offered by broker-dealers who have entered into agreements with Pruco Securities, LLC. The product and its riders and features may not be available in all states.

Some sub-accounts or underlying investment options may not be available through all broker-dealers. Please contact your financial professional for more information.

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company and do not apply to the underlying investment options. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

FIDELITY, FIDELITY INVESTMENTS, FIDELITY INVESTMENTS and Pyramid Logo, Pyramis, and the Pyramis Global Advisors logo are registered service marks of FMR LLC. Used with permission.

We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein.

Investment and Insurance Products:Not Insured by FDIC, NCUSIF, or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by Any Bank, Credit Union, Bank Affiliate, or Credit Union Affiliate.

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Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities.© 2016 Prudential Financial, Inc. and its related entities.0266525 Ed. 09/2016 0266525-00008-00 Exp. 01/15/2018