Variable Annuities

Jackson’s Variable Annuity Products

Variable annuities allow you to allocate your assets across a wide range of investment options to help grow your assets. Add-on benefits, available for an extra charge, can provide protection and guaranteed income for life.

Variable Annuity Products

What is a Variable Annuity?

Variable annuities are a long-term, tax-deferred investments designed for retirement, involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½. Add-on living benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity.

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, which are contained in the same document, 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.

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.

The latest income date allowed 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 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 legal entity such as a corporation or certain types of trusts.

In certain states, we reserve the right to refuse any subsequent premium payments.

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. 

Select up to a maximum of 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.

Variable annuities (VA650, VA660, VA785, VA785-FB1, ICC18 VA785, ICC18 VA785-FB1, VA775, VA775-CB1, ICC18 VA775, ICC18 VA775-CB1, VA790, VA790-FB1, VA775-RLC, ICC18 VA775-RLC, ICC17 VA790, ICC17 VA790-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York (VA650NY, VA660NY, VA785NY, VA785NY-FB1, VA775NY, VA775NY-CB1, VA790NY, VA790NY-FB1) by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states and state variations may apply. These contracts have limitations and restrictions. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your financial professional or contact Jackson for more information.

Firm and state variations may apply.

Jackson® is the marketing name for Jackson National Life Insurance Company® and Jackson National Life Insurance Company of New York®.