Fixed Index Annuities

Jackson’s Fixed Index Annuity Products

Jackson fixed index annuities provide the powerful combination of protection, growth, and flexibility by linking assets to the performance of an index.

Fixed Index Annuities

What is an Annuity?

An annuity is a long-term, tax-deferred vehicle designed for retirement. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

Fixed Index Annuities are also referred to as Fixed Annuities with Index-Linked Interest in the contract.

*Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA, and may be found at a lower cost in other investment products. It also may not be available if the annuity is owned by a "non-natural person" such as a corporation or certain types of trusts.

Fixed index annuities are not available in New York.

Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company.

The latest income date or Maturity Date allowed under an annuity contract is the owner’s age 95, which is the required age to annuitize or take a lump sum.

Add-on benefits that provide income for the length of the designated life and/or lives may be available for additional charge. The amount of income that these benefits may provide can vary depending on age, when income is taken, and how many lives are covered when the benefit is elected. Certain state variations may also apply. The cost of these benefits may negatively impact the contracts' cash value.  The lifetime income of the benefits available with variable annuities becomes effective at issue if the designated life is age 59½ at issue, or upon the contract anniversary following designated life’s 59½ birthday, provided the contract value is greater than zero and has not been annuitized. 

Fixed index annuities are issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC. Not available in all states and state variations may apply. Depending on the product, additional premium may be permitted in the first contract year. These products are fixed annuities that do not participate in any stock or equity investments. Limitations and restrictions apply, including withdrawal charges, recapture charges or market value adjustments (MVA) on some products. Recapture charges and MVA may not apply in all states. During the Indexed Option Period, the annuity's cash withdrawal value may be less than the initial premium. For costs and complete details, contact your representative or the Company.

All indexes are unmanaged and not available for direct investment. The payment of dividends is not reflected in the index return.

The design of these annuity contracts emphasizes the protection of credited interest rather than the maximization of interest rate crediting. Jackson issues other annuities with similar features, benefits, limitations, minimum Caps/Rates and charges. Similar products with different features, limitations and with either higher or lower Caps/Rates may be available through other broker-dealers. Fixed annuities with index-linked interest may not be suitable for everyone.