Elite Access® Suite

For product information, including the prospectus, see our product literature.

Customize your retirement portfolio

The Elite Access Suite of variable annuities helps you prepare for various market conditions by offering access to a retirement portfolio that meets different economic challenges.

Optimize your portfolio through the benefit of tax deferral*; select from traditional investments, alternatives, and asset allocation portfolios; and combine with legacy and estate planning capabilities. The Elite Access Suite provides a customizable and comprehensive investment experience.

Elite Access Suite benefits

Tax deferral*

Optimize your portfolio with the benefits of tax deferral.

  • Make your money work for you - earnings, dividends and interest are automatically reinvested and accumulate tax-deferred.
  • Make changes to your portfolio as needs change - no transfer fees† and no immediate tax consequences.
  • Control income based on your needs and effective tax rates, which may be lower in retirement. 

 

Accumulation &
investment freedom†

Leverage Jackson's Investment Freedom to customize your portfolio. 

  • Select from more than 100 investment options including Equities, Fixed Income and Alternative Investments. 
  • Choose from a variety of professionally managed asset allocation portfolios, or build a portfolio from scratch and manage as you see fit. 
Legacy & estate planning

Plan for future generations by combining with add-on legacy and estate planning options‡. 

  • Continue tax-deferred growth potential for your heirs.
  • Control how payouts to beneficiaries are received.
  • Leverage add-on benefits to potentially leave behind a larger legacy.

 

explore benefits

What is a Variable Annuity?

Variable annuities are long-term, tax-deferred investments designed for retirement, 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.

*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.

†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.

‡An add-on benefit is available for an extra charge in addition to the ongoing fees and expenses of the variable annuity. Once elected, the benefit may not be canceled or changed; please see prospectus for specific benefit availability. The long-term advantage of the add-on benefit 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. As a result, in some circumstances the cost of an option may exceed the actual benefit paid under that option. 

 

 

Compare annuity products

See how the Elite Access Suite annuities stack up with our other annuity products.
 

Compare Our Products

For product information, including the prospectus, see our product literature.

Explore included and add-on benefits

Tax-efficient investing

Tax deferral* can provide you with tax control while also potentially allowing your assets to grow more quickly than in a taxable account — pay taxes when you withdraw your money, not while you earn it.
 

More about growth potental from tax deferral
Taxable investment analysis

This analysis will help you compare the accumulation values and after-tax withdrawals of investments subject to income tax each year versus deferring the tax until withdrawals occur.

Compare your options
Tax advantages of annuities

Use this calculator to compare the tax advantages of purchasing an annuity versus an investment account where the interest is taxed each year.

discover tax advantages

*Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax if withdrawn before age 59½ unless an exception to the tax is met. 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.

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.

 

Maximize your accumulation opportunity and invest your way

If you're not yet ready to take income, or in cases where you will not need income to support your retirement, the Elite Access Suite is designed to provide maximum growth and accumulation. Markets have historically moved up more often than down, staying invested for the long term may work in your favor and diversifying your portfolio can help smooth the ride*. Jackson's Investment Freedom† allows you to invest your way to pursue your goals for the future. 

Performance centers

Learn more about Elite Access Suite performance. 

Investment guide

Jackson Investment Freedom gives you the power to decide how much risk to take on and which types of investments to hold. Learn more about the options that can help you invest your way.

INVESTMENT GUIDE

Investment options

Explore our investment options. 

Investment options

Current fund literature

Take a deeper dive into our fund literature.

learn more

The market's been a bumpy ride

Even though it can be unpredictable, waiting for the market to stabilize could mean missing out on much-needed gains.

MARKET'S BEEN A BUMPY RIDE

*Diversification does not assure a profit or protect against loss in a declining market.

†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.

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.

 

Legacy benefits that can help build generational wealth

Over time your financial goals may shift from building wealth to a focus on providing for future generations. Elite Access Suite provides a safeguard for the legacy you leave behind with included and add-on death benefits*. 

Return of Premium death benefit

This included benefit allows you to:

-Preserve more of what you leave behind in a tax-efficient way

-Avoid the time-consuming probate process for your heirs

RETURN OF PREMIUM DEATH BENEFIT

EarningsMax® death benefit

This add-on benefit allows you to:

-Potentially offset federal and state income taxes that could erode beneficiaries' proceeds

EARNINGSMAX DEATH BENEFIT

Jackson non-qualified stretch

Our non-qualified stretch option permits beneficiaries of nonqualified annuities to "stretch" distributions over a period of time and may offer greater flexibility and control.

NON-QUALIFIED STRETCH

Protect your wealth & legacy

Jackson offers "Control from the Grave"— a program that can help your beneficiaries effectively manage their inheritance.

CONTROL FROM THE GRAVE

*An add-on benefit is available for an extra charge in addition to the ongoing fees and expenses of the variable annuity. Once elected, the benefit may not be canceled or changed; please see prospectus for specific benefit availability. The long-term advantage of the add-on benefit 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. As a result, in some circumstances the cost of an option may exceed the actual benefit paid under that option. 

Return of Premium death benefit and EarningsMax death benefit are not available in New York.

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.

 

Compare annuity products

See how the Elite Access Suite annuities stack up with our other annuity products.
 

Compare Our Products

For product information, including the prospectus, see our product literature.

Annuity product options

Explore Jackson's range of products that offer flexible features to support retirement goals.






 




Capital
Preservation




Growth & Protection
Opportunities


grow.png

Growth
Potential




Income & Legacy
Benefits

Product

 MarketProtector® Suite Jackson Market
Link Pro® Suite

Elite Access® Suite

Perspective® Family

Product Type

 Fixed Index Annuity Registered Index-
Linked Annuity		 Variable Annuity Variable Annuity
Features
  • Index-linked
  • Limited upside participation
  • Full downside protection
  • Index-linked
  • Upside participation
  • Partial downside protection
  • Individual investments
  • Model investments
  • No investment restrictions*
  • Individual investments
  • Model investments
  • No investment restrictions*
Add-on 
Benefits		 ✓ YES NO ✓ YES
✓ YES
Core Product
Expense‡		 N/A† N/A † 1.00%§ 0.45%-1.30%
Add-on Benefit
Expense‡		 1.10% - 1.25% N/A 0.20% - 0.35% 0.20% - 2.15%

Explore

 MARKETPROTECTOR SUITE MARKET LINK PRO SUITE

ELITE ACCESS SUITE

PERSPECTIVE FAMILY

*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.

†A market value adjustment (MVA) may apply to withdrawals from fixed index annuities and registered index-linked annuities. The MVA may result in an increase or decrease to amounts removed from the contract. Additionally, withdrawals from registered index-linked annuities may be subject to an interim value calculation. 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.

‡Expense ranges exclude New York products.

§For Elite Access Advisory II the Core Product Expense is $20 a month or $240 annually.

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.

Add-on benefits are available for an extra charge in addition to the ongoing fees and expenses of the annuity and may be subject to conditions and limitations. There is no guarantee that an annuity with an add-on living benefit will provide sufficient supplemental retirement income.

Firm and state variations may apply. Additionally, products may not be available in all states.

**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.

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.

For Variable Annuity Products:

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.

Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York. For variable annuities, guarantees 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 income date or Maturity Date allowed under an annuity contract is the owner’s age of 95, which is the required age to annuitize or take a lump sum.

Elite Access II® Variable and Fixed Annuity (VA670, VA670-CB1, ICC19 VA670, ICC19 VA670-CB1, VA680, VA680-CB1, ICC19 VA680, ICC19 VA680-CB1, VA670NY, VA670NY-CB1) and Elite Access Advisory II® Variable Annuity (VA785, VA785-FB1, ICC18 VA785, ICC18 VA785-FB1, VA785NY, VA785NY-FB1) 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). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. These products have limitations and restrictions. Jackson issues other variable annuities with similar features, benefits, limitations, and charges. Discuss them with your financial professional or contact Jackson for more information.

Perspective II® Variable and Fixed Annuity (VA775, VA775-CB1, ICC18 VA775, ICC18 VA775-CB1, VA775NY, VA775NY-CB1) and Perspective Advisory II® Variable and Fixed Annuity (VA790, VA790-FB1, ICC17 VA790, ICC17 VA790-FB1, VA790NY, VA790NY-FB1) 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). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. These products have limitations and restrictions. Jackson issues other variable 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. Additionally, products may not be available in all states.

For Fixed Index Annuity Products:

MarketProtector® Individual Modified Single Premium Deferred Fixed Annuity With Index-Linked Interest Option and Market Value Adjustment (contract form numbers ICC19 FIA260, ICC20 FIA260-CB2, FIA260, FIA260-CB2) and IncomeAccelerator® (8005, ICC19 8005) with joint option (8006, ICC19 8006) and MarketProtector Advisory® Individual Modified Single Premium Deferred Fixed Annuity with Index-Linked Interest Option and Market Value Adjustment (contract form numbers FIA265, FIA265-FB2, ICC19 FIA265, ICC20 FIA265-FB2) and Income Accelerator® (8005, ICC19 8005) with joint option (8006, ICC19 8006) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC. These products are fixed annuities that do not participate in any stock or equity investments and have limitations and restrictions, including withdrawal charges and market value adjustments (MVA). MVA may not be applicable in all states.

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 high or lower Caps/Rates may be available through other broker/dealers. Discuss them with your financial professional or the Company for more information. Fixed index annuities may not be suitable for everyone.

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.

Fixed Index Annuities are also referred to as Fixed Annuities with Index-Linked Interest in the contract.

Firm and state variations may apply. Additionally, products may not be available in all states.

For Registered Index-Linked Annuity Products:

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, Jackson.com/ProspectusJMLP2 for the Jackson Market Link Pro II prospectus, Jackson.com/ProspectusJMLPA for the Jackson Market Link Pro Advisory prospectus or Jackson.com/ProspectusJMLPA2 for the Jackson market Link Pro Advisory II prospectus.

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.

Jackson Market Link Pro® Single Premium Deferred Registered Index-Linked Annuity (contract form numbers RILA280, RILA280-CB1, RILA282, RILA282-CB1), Jackson Market Link Pro® Advisory Single Premium Deferred Registered Index-Linked Annuity (contract form numbers: RILA285, RILA285-FB1, RILA287, RILA287-FB1), Jackson Market Link Pro® II Single Premium Deferred Registered Index-Linked Annuity (contract form numbers: RILA290, RILA290-CB1, RILA292, RILA292-CB1), and Jackson Market Link Pro® Advisory II Single Premium Deferred Registered Index-Linked Annuity (contract form numbers: RILA295, RILA295-FB1, RILA297, RILA297-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.

Firm and state variations may apply. Additionally, products may not be available in all states.

Jackson® is the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company® (Home Office: Lansing, Michigan), and Jackson National Life Insurance Company of New York® (Home Office: Purchase, New York).