Select Annual Reset®

Deferred Fixed Annuities

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Select Annual Reset offers traditional fixed annuity benefits, such as guaranteed minimum interest and death benefits, flexible retirement income options and tax-deferred earnings. But it doesn't stop there. Select Annual Reset takes retirement planning to another level with the potential for additional interest linked to the return of an index. Designed for retirement, Select Annual Reset gives you the flexibility to choose from two timeframes and two indexes to fit your unique retirement planning needs.


  • Overview
  • Index Options
  • Crediting Options
  • Withdrawals

Retirement Vehicle with Choices and Growth Potential

Select Annual Reset® deferred fixed index annuity offers minimum guarantees that allow you to prepare for retirement with confidence, while you benefit from growth potential linked to the return of an index and the power of tax-deferred earnings. You choose from a variety of options to tailor a plan that fits your unique situation.

Select Annual Reset Highlights:

  • Any index-linked earnings are locked in at the end of every contract year
  • Index losses never decrease the contract value
  • Minimum initial premium $10,000 (nonqualified); $5,000 (qualified)
  • Contract terms of 5 or 7 years
  • Access to funds in the event of unforeseen circumstances

Select Annual Reset Options to Fit Your Retirement Plan

You can customize your Select Annual Reset with choices like these:

  • Duration options to fit your time horizon
  • Index options for potential index-linked growth
  • Guaranteed retirement income options, including income for life
  • Guaranteed death benefits with options to preselect an income stream for your beneficiaries

Flexibility to Choose Your Market Focus

You can choose a U.S. market focus by allocating your premium to the S&P 500 Index, or diversify your growth potential with the Multi-Strategy Index, a unique index based on a selection of U.S. and international stocks, available only at Jackson®. Or you may allocate your money to any combination of the two.

S&P 500 Index:

The S&P 500 Index is a market capitalization-weighted index of 500 stocks that are selected by the S&P Dow Jones Indices U.S. Investment Committee. The S&P 500 focuses on the large-cap sector of the market, and companies in the S&P 500 are considered leading companies in leading industries. Widely regarded as a single gauge of the U.S. equities market, this index includes companies in leading industries of the U.S. economy. Although the S&P 500 Index focuses on the large cap segment of the market, with approximately 75% coverage of U.S. equities, it is also used as a proxy for the total U.S. market.

Multi-Strategy Index:

The Multi-Strategy Index is a proprietary index created by and for the sole use of Jackson National Life Insurance Company. The index is constructed by applying five predetermined selection criteria and contains approximately 160 stocks. On or about January 1, the index is reconstituted and an initial weight of approximately 20% is applied to each of the five criteria. By design, the five criteria are constructed to minimize company overlap. The index includes stocks from large, mid-sized and smaller U.S. and international companies, based on market capitalization.

This index seeks broad diversification across its five distinct strategies to help ensure a consistent management style.

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How Does Additional Interest Grow?

The main attraction of Select Annual Reset® is the opportunity to earn additional interest based on the performance of an index. Select Annual Reset uses a crediting method known as Annual Reset Point-to-Point; this method calculates, credits and locks in interest annually.

Annual Reset Point-to-Point:

  • Any index growth is calculated at the end of each Indexed Option Year
  • The ending index value is compared with the index value at the beginning of the year
  • Additional interest earned is credited to the contract and locked in
  • If there is no index growth, the Accumulation value remains the same
  • The process begins again for the following Indexed Option Year, and repeats every year until the end of your selected term

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Access to Your Money When You Need It

Even though annuities are long-term retirement vehicles, there are times when unexpected needs arise. Select Annual Reset® provides for those situations with several opportunities to take early withdrawals that are not subject to withdrawal charges.

10% Free Withdrawals:

You may withdraw up to 10% of the accumulation value free of withdrawal charges.1

Required Minimum Distributions:

Withdrawals may be taken to satisfy IRS required minimum distributions without penalty, even if they exceed the 10% free withdrawal allowance.

Extended Care Benefit:

During the Indexed Option Period, if you or your joint owner is confined to a nursing home or hospital for 90 consecutive days by medical necessity beginning at least 30 days after the issues of your contract, you may access up to 100% of the greater of the Accumulation Value or the Special Benefit Value, free of withdrawal charges.2

Terminal Illness Benefit:

During the Indexed Option Period, if you or your joint owner is diagnosed with a terminal illness expected to result in death within 12 months, you may access up to 100% of the greater of the Accumulation Value or the Special Benefit Value, free of withdrawal charges.3

Guaranteed Minimum Death Benefit:

In the event of your death, your beneficiaries will receive the greater of the accumulation value or the Special Benefit Value during the Indexed Option Period.4

Withdrawal Charges (as a percentage of Accumulation Value)
Option Base Schedule:
7- and 5-Year
Older Issue Ages
Older Issue Ages
Contract Year Owner's Issue
Age 0-80
Owner's Issue
Age 81-88
Owner's Issue
Age 81-90
1 9.00% 6.50% 4.50%
2 8.00% 5.50% 3.50%
3 7.00% 4.50% 2.50%
4 6.00% 3.50% 1.50%
5 5.00% 2.50% 0.50%
6 4.00% 1.50% 0.00%
7 2.00% 0.50%
8 0.00% 0.00%