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58 years old
68 years old
45 years old
Optimistic about U.S. growth
Age 58:
Amy's selections:
Figure A shows growth up to a set cap. Figure B shows protection from a stated percentage of loss with a buffer. She’ll only be subject to losses that extend beyond the buffer.
The above hypothetical example is for illustrative purposes only and is not representative of the past or future performance of any particular product. Past performance is no guarantee of future results.
Key Terms
Index Account Option term:
Period of time over which index gains or losses are measured.
Cap: (FIG A)
The stated maximum amount of potential gain.
Buffer : (FIG B)
Downside protection from loss up to the selected amount.
S&P 500® Index:
Comprised of approximately 500 equity securities of large-cap U.S. companies.
Russell 2000 Index:
Comprised of approximately 2,000 equity securities of small-cap U.S. companies.
Not all crediting methods and/or protection options are available with all Index Account Option Terms.
Cautious global view
Age 68:
John's selections:
Figure C shows the rate his contract will be credited if the returns are flat or positive. Figure D shows the floor, which is his maximum loss if the returns are negative.
The above hypothetical example is for illustrative purposes only and is not representative of the past or future performance of any particular product. Past performance is no guarantee of future results.
Key Terms
Index Account Option term:
Period of time over which index gains or losses are measured.
MSCI EAFE Index:
Comprised of equity securities of large- and mid-cap companies in Europe, Australasia, and the Far East.
MSCI Emerging Markets Index:
Comprised of equity securities of large- and mid-cap companies in 26 emerging-market countries.
Performance Trigger Rate: (FIG C)
A declared rate that is credited if the index return is flat or positive.
Floor: (FIG D)
Downside protection from loss after the selected amount.
Not all crediting methods and/or protection options are available with all Index Account Option Terms. The Floor Protection Option is not available in Ohio.
Invests in global good
Age 45:
Lisa's selections:
Figure E shows a set rate will be credited to 50% of her contract if the index returns are flat or positive. Figure F shows her contract will only incur losses beyond the buffer.
The above hypothetical example is for illustrative purposes only and is not representative of the past or future performance of any particular product. Past performance is no guarantee of future results.
Key Terms
Index Account Option term:
Period of time over which index gains or losses are measured.
MSCI KLD 400 Social Index:
Comprised of approximately 400 equity securities of small-, mid-, and large-cap companies with outstanding ESG ratings.
Performance Trigger Rate:
A declared rate that is credited if the index return is flat or positive.
Cap: (FIG E)
The stated maximum amount of potential gain.
Buffer: (FIG F)
Downside protection from loss up to the selected amount.
Not all crediting methods and/or protection options are available with all Index Account Option Terms.
When purchasing a registered index-linked annuity, investors are not buying shares of any stock or index and cannot invest directly in the indices.
The personas presented are hypothetical examples for illustrative purposes only. They are provided for informational purposes and are not intended as investment advice or a recommendation. Your individual circumstances may vary. You should consider your individual situation, including your time horizon, risk tolerance, investment objectives and the need for an annuity before investing.
58 years old
68 years old
45 years old
The Floor Protection Option is not available in Ohio.
Past performance is no indication of future results. The values shown are hypothetical, for illustrative purposes only, and are intended to show the mechanics of the Index Account Options available with Jackson Market Link Pro and Jackson Market Link Pro Advisory registered index-linked annuities. This tool presents a limited range of historical outcomes and the graphs shown are for illustrative purposes only. Results will vary based on variations in assumptions and inputs. As a result, performance can vary significantly over time. For additional details refer to methodology, definitions & important information.
Caps/Rates, set at the beginning of each term and subject to change, can range between 1%-999% and may represent extraordinary returns which may not be achieved by the underlying index over the selected term. A cap of 999% represents the maximum potential crediting available on the contract and is dependent on the performance of the underlying index selected.
Owners could see a substantial loss during an index period if the index declines more than the level of downside protection. If an owner does see a substantial loss during an index period, the owner may not be able to participate fully in a subsequent market recovery due to the capped upside potential in subsequent index periods.
The investor scenarios contained in this tool are hypothetical examples for illustrative purposes only. They are provided for informational purposes and are not intended as investment advice or a recommendation. Your individual circumstances may vary. You should consider your individual situation, including your time horizon, risk tolerance, investment objectives and the need for an annuity before investing.
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Contact Your Financial Professional
Jackson Market Link Pro Suite is a family of registered index-linked annuities (RILAs). A RILA is a long-term tax-deferred vehicle designed for retirement. It is subject to investment risk, the value will fluctuate, and loss of principal is possible. A RILA, which is an insurance contract, allows you to choose how you want to prioritize growth opportunities while managing the amount of loss you may assume. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax if withdrawn before age 59 ½ unless an exception to the tax is met.
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. Read the prospectus carefully before investing or sending money.
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.
Withdrawals may be subject to withdrawal charges or market value adjustments (MVA) and the Interim Value calculation may apply.
Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company. They are not backed by the broker/dealer from which this annuity contract is purchased, by the insurance agency from which this annuity contract is purchased or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of Jackson National Life Insurance Company.
STANDARD & POOR'S®, S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P") and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones") and have been licensed for use by S&P Dow Jones Indices LLC. The S&P 500 is a product of S&P Dow Jones Indices LLC and has been licensed for use by Jackson National Life Insurance Company ("Jackson"). Jackson Market Link Pro is not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or any of their respective affiliates (collectively, "S&P Dow Jones Indices"), and S&P Dow Jones Indices LLC does not make any representation or warranty, express or implied, to the owners of Jackson Market Link Pro or any member of the public regarding the advisability of investing in securities generally or in Jackson Market Link Pro particularly or the ability of the S&P 500 to track general market performance.
All rights in the Russell 2000 Index vest in the relevant LSE Group company which owns the Index. Russell® is a trademark of relevant LSE Group company and is used by other LSE Group company license.
The Product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Products or any index on which such Products are based. The Contract contains a more detailed description of the limited relationship MSCI has with Jackson National Life Insurance Company and any related Products.
Indexes are unmanaged and unavailable for direct investment. The payment of dividends is not reflected in the index return.
Registered index-linked annuities (contract form numbers RILA280, RILA280-CB1, RILA282, RILA282-CB1, RILA285, RILA285-FB1, RILA287, RILA287-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) 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. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your financial professional or contact Jackson for more information.
Jackson® is the marketing name for Jackson Financial Inc. and Jackson National Life Insurance Company® (Home Office: Lansing, Michigan).
Not available in Nebraska, New York, and Oregon.
Firm and state variations may apply.
Scenario returns are based on the historical returns of the chosen index. It’s important to note that other indices may have different or opposite return characteristics during these same scenario time periods.
Two crediting methods are offered across the 1-year and 6-year Index Account Option Terms. They are Cap and Performance Trigger. Not all crediting methods are available with all protection options or Index Account Option Terms.
Cap Crediting Method: The Cap, or "Cap Rate" is the maximum amount of Index Adjustment that will be credited to an Index Account Option at the end of each Index Account Option Term, expressed as a percentage.
Performance Trigger Crediting Method: The Performance Trigger Rate is the amount of Index Adjustment that could be credited to an Index Account Option at the end of each Index Account Option Term, expressed as a percentage.
Two protection options are offered across the 1-year and 6-year Index Account Option Terms. They are Buffer and Floor. Not all crediting methods are available with all protection options or Index Account Option Terms. Floor protection option is not available in Ohio.
Buffer: A Buffer is the amount of negative Index price change before a negative Index Adjustment is credited to the Index Account Option Value at the end of an Index Account Option Term, expressed as a percentage. Put another way, a Buffer protects your Index Account Option Value from loss up to a specified amount. Jackson protects you from any loss associated with Index decline up to your elected Buffer percentage. You only incur a loss if the Index has declined more than your elected Buffer percentage as of your Index Account Option Term Anniversary. Account Option Term Anniversary.
Floor: A Floor is the maximum loss that will be credited to the Index Account Option at the end of the Index Account Option Term, expressed as a percentage. In contrast to the Buffer, a Floor protects your Index Account Option Value from loss greater than a specified amount. This means that if the Index has declined as of your Index Account Option Term Anniversary, you will incur all of the loss up to your elected Floor percentage. Jackson will protect you from any Index decline greater than your elected Floor percentage.
Market scenarios have been created by Halo in order to demonstrate the mechanics of Jackson Market Link Pro and Jackson Market Link Pro Advisory registered index-linked annuities.These products were not available during the time periods illustrated. The investment outcomes of an actual contract could differ due to different beginning and ending dates of an actual contract versus the beginning and ending dates used in this tool.
Down Market: The down-market scenario illustrates returns based on selected indices for a 6-year term starting 01/01/2000 and ending 12/31/2005.
Up Market: The up-market scenario illustrates returns based on selected indices for a 6-year term starting 01/01/1995 and ending 12/31/2000.
Recent Market: The recent market scenario illustrates returns based on selected indices for a 6-year term starting 01/01/2017 and ending 12/31/2022.
We assume each Index Account Option Term allocation is reinvested at the end of the Index Account Option Term to reflect a hypothetical return over the 6-year periods defined above. Therefore a 1-year Index Account Option Term is reinvested 5 times and a 6-year Index Account Option Term is not reinvested.
The indices used are price indices and do not reflect dividends paid on the underlying stocks. Investors are not buying shares of any stock or index and cannot invest directly in the indices. During periods of favorable market and economic conditions, the index performance and cap rates could result in extraordinary returns which may not be repeated or sustained.
S&P 500 Index: The S&P 500 Index is comprised of equity securities issued by large-capitalization U.S. companies. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of successful smaller companies.
Russell 2000 Index: The Russell 2000 Index is comprised of equity securities of small-capitalization U.S. companies. In general, the securities of small-capitalization companies may be more volatile and may involve more risk than the securities of larger companies. Small-capitalization companies are more likely to fail than larger companies.
MSCI EAFE Index: The MSCI EAFE Index is comprised of equity securities of large- and mid-capitalization companies and it is designed to measure the equity market performance of developed markets, including countries in Europe, Australia, and the Far East. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of successful smaller companies, and the securities of mid-capitalization companies may be more volatile and may involve more risk than the securities of larger companies. Securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty).
MSCI Emerging Markets Index: The MSCI Emerging Markets Index is comprised of equity securities of large- and mid-capitalization companies in emerging markets. In general, large-capitalization companies may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of successful smaller companies, and the securities of larger companies. Mid-capitalization companies are more likely to fail than larger companies. Securities issued by non-U.S. companies (including related depositary receipts) are subject to the risks related to investments in foreign markets (e.g., increased price volatility; changing currency exchange rates; and greater political, regulatory, and economic uncertainty). Those risks are typically more acute when issuers are located or operating in emerging markets. Emerging markets may be more likely to experience inflation, political turmoil, and rapid changes in economic conditions than developed markets. Emerging markets often have less uniformity in accounting and reporting requirements, less reliable valuations, and greater risk associated with custody of securities than developed markets.
MSCI KLD 400 Social Index: The MSCI KLD 400 Social Index is comprised of equity securities that provide exposure to companies with outstanding Environmental, Social, and Governance (ESG) ratings and excludes companies whose products have negative social or environmental impacts. Since the primary objective of this Index is to track companies with a positive social or environmental impact, this Index may underperform the market as a whole or other indices that do not screen for ESG standards. The Index may include large-, mid-, and small-capitalization companies. In general, large capitalization companies may be unable to respond quickly to new competitive challenges and may not be able to attain the high growth rate of other successful smaller companies, and the securities of smaller capitalization companies may be more volatile and may involve more risk than the securities of larger companies. Smaller companies are more likely to fail than larger companies.
Withdrawals before the end of a term are subject to an interim value adjustment. The interim value adjustment may have a positive or negative impact on the contract value at the end of the term which may be significant.
For Market Link Pro, withdrawal charges will apply to withdrawals during the first six years of the contract which will result in a reduced contract value. Withdrawal charges as a percentage of remaining premium. The withdrawal charge schedule is 8%, 8%, 7%, 6%, 5%, 4%, 0%
For Market Link Pro Advisory, a market value adjustment (MVA) will be applied to certain amounts withdrawn or annuitized during the first six contract years. The MVA may result in an increase or decrease to amounts removed from the contract.
An account within the Index Account for allocation of Premium. Each Index Account Option is defined by term, index and crediting method and has an Index Adjustment Factor tied to its Issue Date, index and crediting method during the withdrawal charge period. Upon expiration of the withdrawal charge period, each Index Account Option is defined by its index and crediting method.
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/ProspectusJMLP for the Jackson Market Link Pro prospectus or Jackson.com/ProspectusJMLPA for the Jackson Market Link Pro Advisory prospectus. Read the prospectus carefully before investing or sending money.
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. You should rely on your own independent advisors as to any tax, accounting, or legal statements made herein.
Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company. They are not backed by the broker/dealer from which this annuity contract is purchased, by the insurance agency from which this annuity contract is purchased or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of Jackson National Life Insurance Company.
The Jackson Market Link Pro Suite of registered index-linked annuities has been developed by Jackson National Life Insurance Company. These annuities are not in any way connected or sponsored, endorsed, sold or promoted by the London Stock Exchange Group plc and its group undertakings (collectively the "LSE Group"). FTSE Russell is the trading name of certain LSE Group Companies. All rights in the Russell 2000 Index vest in the relevant LSE Group company which owns the Index. Russell® is a trademark of relevant LSE Group company and are used by other LSE Group company license. The Index is calculated by or on behalf of FTSE Fixed Income, LLC or its affiliate, agent, or partner. The LSE Group does not accept any liability to any person arising out of (a) the use of, reliance on or any error in the Index or (b) investment in or operation of Jackson Market Link Pro Suite. The LSE Group makes no claim, prediction, warranty or representation as to the results to be obtained from Jackson Market Link Pro Suite or the suitability of the Indexed for the purpose to which it is being put by Jackson National Life Insurance Company.
The Product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Products or any index on which such Products are based. The Contract contains a more detailed description of the limited relationship MSCI has with Jackson National Life Insurance Company and any related Products.
STANDARD & POOR’S®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”) and have been licensed for use by S&P Dow Jones Indices LLC. The S&P 500 is a product of S&P Dow Jones Indices LLC, and has been licensed for use by Jackson National Life Insurance Company (“Jackson”). The Jackson Market Link Pro Suite is not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC, Dow Jones, S&P, or any of their respective affiliates (collectively, “S&P Dow Jones Indices”), and S&P Dow Jones Indices LLC does not make any representation or warranty, express or implied, to the owners of the Jackson Market Link Pro Suite or any member of the public regarding the advisability of investing in securities generally or in the Jackson Market Link Pro Suite particularly or the ability of the S&P 500 to track general market performance.
Registered index-linked annuities (contract form numbers RILA280, RILA280-CB1, RILA282, RILA282-CB1, RILA285, RILA285-FB1, RILA287, RILA287-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) 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. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your financial professional or contact Jackson for more information.
Not available in Nebraska, New York, and Oregon.
Firm and state variations may apply.
