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Earn interest while protecting your premium from market losses.
Your principal isn't exposed to market losses.
Keep more of what's yours through tax deferral.1
1Tax deferral offers no additional value if an IRA or qualified plan, such as a 401(k), is used to fund an annuity 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 legal entity such as a corporation or certain types of trusts.
Your premium can benefit from earned interest while staying protected from market losses.
We offer four annual crediting methods. Work with your financial professional to decide the best way to calculate and lock in interest.
As tax-deferred fixed index annuities, Jackson Fixed Index Accumulation Suite can help maximize growth potential by delaying taxes associated with earnings.
1Tax deferral offers no additional value if an IRA or qualified plan, such as a 401(k), is used to fund an annuity 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 legal entity such as a corporation or certain types of trusts.
That's why Jackson includes these benefits at no additional cost—to help you prepare for life's unexpected moments.
If you or a joint owner is confined to a hospital or nursing home for 90 consecutive days, you may make a withdrawal of up to 100% of the contract value without withdrawal charges.
If you or a joint owner is diagnosed with a terminal illness expected to result in death within 12 months, you may make a withdrawal of up to 100% of the contract value without withdrawal charges.
Before the income date, select how the death benefit is paid to your beneficiaries.
2State variations may apply. You will be eligible for this waiver of withdrawal charge after the first contract anniversary. If you or your joint owner is confined to a nursing home or hospital for 90 consecutive days by medical necessity beginning after the contract issue date, you may access up to 100% of the contract value free of withdrawal charges. All contract values will be reduced proportionately. This benefit may be exercised multiple times, up to the contract value. Taxes may apply. This does not apply to Jackson Fixed Index Accumulation Advisory 5 or Jackson Fixed Index Accumulation Advisory 7.
3State variations may apply. You will be eligible for this wavier of withdrawal charge after the first contract anniversary. If you or your joint owner is diagnosed with a terminal illness that is expected to result in death within 12 months, you may access up to 100% of the contract value free of withdrawal charges. All contract values will be reduced proportionately. This benefit may be exercised multiple times, up to the contract value. Taxes may apply. This does not apply to Jackson Fixed Index Accumulation Advisory 5 or Jackson Fixed Index Accumulation Advisory 7.
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| Product type: | Product name: | Features: |
|---|---|---|
| Fixed annuity | Jackson RateProtector® | Built for capital preservation with fixed growth
|
| Fixed index annuities | Jackson Fixed Index Accumulation™ Suite | Built for capital preservation with upside growth potential
|
Jackson Income Assurance® Suite | Built for capital preservation with income opportunities
| |
| Immediate annuity | Jackson SPIA™ | Built to provide consistent, predictable income
|
| Registered index-linked annuity | Jackson Market Link Pro® Suite | Built for growth and protection opportunities
|
| Variable annuities | Perspective Family
Elite Access Suite® | Built for income, legacy benefits and unlimited growth potential
|
1Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York.
2On the contract anniversary on or immediately following the designated life's attained age 59 ½, the for-life guarantee becomes effective provided: 1) the contract value is greater than zero and 2) the contract has not been annuitized. If the designated life is age 59 ½ on the effective date of the endorsement, then the for-life guarantee becomes effective on that date. For Jackson Income Assurance Suite, the for-life guarantee becomes effective on the issue date.
3Income Escalator option is available with most income types (excluding benefit certain). Under this option, what would otherwise be level benefit payments over the term become benefit payments that are lower during early years and greater during later years, thus approximating the same income over an entire term, but varying how and when it is received. This may result in lower total payments if the annuitant passes away in the early years of the contract.
4Optional living benefits are not available in New York for Jackson Market Link Pro Suite.
5Select up to 99 investments and adjust options or allocations up to 25 times each contract year without transfer fees. To prevent abusive trading practices, Jackson restricts the frequency of transfers among variable investment options including trading out of and back into the same subaccount within a 15-day period.
6At the election of Principal Guard, an add-on guaranteed minimum accumulation benefit (GMAB) available for an additional cost on the Elite Access Suite, a fixed account allocation requirement is imposed which restricts allocations by the owner. The owner may not elect transfers to or from the GMAB fixed account option.
Annuities are long-term, tax-deferred vehicles designed for retirement and are insurance contracts. Variable annuities and registered index-linked annuities involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax for withdrawals before age 59½ unless an exception to the tax is met. Embedded living benefits are included for a charge, and add-on benefits are available for an extra charge (in addition to the ongoing fees and expenses of the variable annuity) and may be subject to conditions and limitations. There is no guarantee that an annuity with a living benefit will provide sufficient supplemental retirement income.
Fixed index annuities are long-term, tax-deferred vehicles designed for retirement, combining the advantages of a traditional fixed annuity with the potential for additional interest linked to the return of an index. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax for withdrawals before age 59½ unless an exception to the tax is met.
Jackson, its distributors, and their respective representatives do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties. Tax laws are complicated and subject to change. Tax results may depend on each taxpayer's individual set of facts and circumstances. Clients should rely on their own independent advisors as to any tax, accounting, or legal statements made herein.
The latest maturity date or income date allowed under an annuity contract is age 95, which is the required age to annuitize or take a lump sum. Please see the prospectus for important information regarding the annuitization of a variable annuity contract.
Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York and do not apply to the principal amount or investment performance of a variable annuity’s separate account or its underlying investments.
Important variable annuity disclosure:
Before investing, investors should carefully consider the investment objectives, risks, charges, and expenses of the variable annuity and its underlying investment options. The current contract prospectus and underlying fund prospectuses provide this and other important information. Please contact your financial professional or the Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.
Variable annuities (contract form numbers VA775, VA775-CB1, ICC18 VA775, ICC18 VA775-CB1, VA790, VA790-FB1, ICC17 VA790, ICC17 VA790-FB1, VA670, VA670-CB1, ICC19 VA670, ICC19 VA670-CB1, VA680, VA680-CB1, ICC19 VA680, ICC19 VA680-CB1, VA785, VA785-FB1, ICC18 VA785, ICC18 VA785-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York (contract form numbers VA775NY, VA775NY-CB1, VA790NY, VA790NY-FB1, VA670NY, VA670NY-CB1, VA785NY, VA785NY-FB1) by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York) and distributed by Jackson National Life Distributors LLC, member FINRA. These products have limitations and restrictions. Jackson issues other annuities with similar features, benefits, limitations and charges. Contact Jackson for more information.
Important registered index-linked annuity disclosure:
This material is authorized for use only when preceded or accompanied by the current contract prospectus. Before investing, investors should carefully consider the investment objectives and risks of the registered index-linked annuity. This and other important information is contained in the current contract prospectus at Jackson.com/ProspectusJMLP4 for the Jackson Market Link Pro 4 prospectus, Jackson.com/ProspectusJMLPA4 for the Jackson Market Link Pro Advisory 4 prospectus, Jackson.com/ProspectusJMLP4NY for the Jackson Market Link Pro 4 (New York) prospectus, or Jackson.com/ProspectusJMLPA4NY for the Jackson Market Link Pro Advisory 4 (New York) prospectus.
Registered index-linked annuities (contract form numbers ICC25 RILA310, ICC25 RILA310-CB1, ICC25 RILA312, ICC25 RILA312-CB1, ICC25 RILA315, ICC25 RILA315-FB1, ICC25 RILA317, ICC25 RILA317-FB1) are issued by Jackson National Life Insurance Company® and in New York (contract form numbers RILA310NY, RILA310NY-CB1, RILA312NY, RILA312NY-CB1, RILA315NY, RILA315NY-FB1, RILA317NY, RILA317NY-FB1) by Jackson National Life Insurance Company of New York and distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states and state variations may apply. These products have limitations and restrictions, including withdrawal charges or market value adjustments. Market value adjustments are not applied in New York. Jackson issues other annuities with similar features, benefits, limitations, and charges. Contact Jackson for more information.
Important fixed index annuity disclosure:
Fixed index annuities are not available in New York.
All indexes are unmanaged and not available for direct investment. The payment of dividends is not reflected in the index return.
Fixed index annuities are also referred to as fixed annuities with index-linked interest in the contract.
Fixed index annuities (contract form numbers FIA280, ICC25 FIA280, FIA280-CB1, ICC25 FIA280-CB1, FIA285, ICC25 FIA285, FIA285-FB1, ICC25 FIA285-FB1, FIA297, FIA297-CB1, ICC26 FIA297, ICC26 FIA297-CB1, FIA299, FIA299-FB1, ICC26 FIA299, ICC26 FIA299-FB1) are issued by Jackson National Life Insurance Company and distributed by Jackson National Life Distributors LLC, member FINRA. These products are fixed annuities that do not participate in any stock or equity investments and have limitations and restrictions, including withdrawal charges and/or market value adjustments (MVA). MVA may not be applicable in all states. During the withdrawal charge period and/or MVA period, the annuity’s withdrawal value may be less than the initial premium. Additional premium is permitted in the first contract year. For costs and complete details, contact Jackson. Premium payments are flexible in the first contract year only, subject to contract minimums and maximums. Subsequent premiums will remain in a fixed account until the first contract anniversary. No premium payments will be accepted after the first contract anniversary. Contact Jackson for more information.
Oregon endorsement numbers: Waiver of Withdrawal Charge Due to Terminal Illness (ICC26 7846), Waiver of Withdrawal Charge for Extended Care (ICC26 7847).
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.
Important fixed annuity disclosure:
Fixed annuities (contract form numbers ICC19 A520, ICC19 A520-CB1) are issued by Jackson National Life Insurance Company and in New York (contract form numbers A520NY, A520NY-CB1) by Jackson National Life Insurance Company of New York and distributed by Jackson National Life Distributors LLC, member FINRA. These products may not be available in all states and state variations may apply. These products have limitations and restrictions, including withdrawal charges and possible market value adjustments (MVA). MVA may not be applicable in all states. Jackson issues other annuities with similar features, benefits, limitations, and charges. Contact Jackson for more information.
Immediate annuities (contract form numbers ICC26 IA320, ICC26 IA320-CB1, IA320, IA320-CB1) are issued by Jackson National Life Insurance Company and distributed by Jackson National Life Distributors LLC, member FINRA. These contracts have limitations and restrictions. Jackson issues other annuities with similar features, benefits, limitations and charges. Contact Jackson for more information.
Jackson® is the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company®, and Jackson National Life Insurance Company of New York®.
Products and features may be limited by state availability, and/or your selling firm's policies and regulatory requirements (including standard of conduct rules).