Variable annuities

What is a variable annuity?

Variable annuities allow you to spread your wealth across a wide range of investment options which may help grow your assets, tax-deferred**. Unlike fixed and fixed index annuities, variable annuities involve investment risks and may lose value. 

Add-on benefits*, available for an extra charge, can also provide protection, guaranteed income for life, and legacy options. The long-term advantage of any add-on benefits will vary with the terms of the benefit option, the investment performance of the Variable Investment Options selected, and the length of time the annuity is owned. In some circumstances, the cost of an option may exceed the actual benefit paid under the option.   

Meet our team: Jackson National Asset Management, LLC® (JNAM) is the investment management arm of Jackson responsible for selecting and monitoring the external asset managers of the JNL Funds—a series of proprietary funds (sub-accounts) on the Jackson variable annuity platform. 

Our variable annuities are designed to:

Diversify to grow your assets

Spreading your wealth across different types of investments may unlock the growth potential you've been waiting for.

Protect your income

Preparing for market ups and downs with an add-on benefit may help protect what you've earned and generate lifetime income.

Leave a lasting legacy

Safeguard what matters most with a range of death benefit options designed to prepare your legacy wishes and protect your loved ones.

How our annuities can work for your retirement

Check out these videos to learn more about how our annuity products can help you prepare for your retirement.

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Registered index-linked annuities

Our registered index-linked annuities allow you to pursue growth while also helping to protect your investment from unforseen market downturns.

*Add-on benefits that provide income for the length of a designated life and/or lives may be available for an additional charge. The amount of income that these benefits may provide can vary depending on the age when income is taken, and how many lives are covered when the benefit is elected. The cost of these benefits may negatively impact the contract's cash value.

Lifetime income of the add-on lifetime benefits available with variable annuities becomes effective at issue if the designated life is 59 ½ (65 for Jackson +Protect) at issue, or upon the contract anniversary following designated life's 59 ½  (65 for Jackson +Protect) birthday, provided the contract value is greater than zero and has not been annualized. Jackson +Protect is not available in New York.

**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.

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.

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.

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. 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 or Jackson National Life Insurance Company of New York.

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.

Annuities are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York, by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York).  Annuities are 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®.