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Perspective Advisory II® 

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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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.


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 representative or the Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.

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.

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. 

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

The standard death benefit is equal to the contract value on the date of the claim and does not include any additional guarantees. Add-on death benefits are available for an additional fee and may cause the Fixed Account Options to be unavailable. Death benefits terminate if contract value falls to zero and upon spousal continuation.

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.

Perspective Advisory II Variable and Fixed Annuity (VA790, ICC17 VA790, VA790-FB1, ICC17 VA790-FB1) is issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and in New York, (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. This product has limitations and restrictions. Jackson issues other variable annuities with similar features, benefits, limitations and charges. Discuss them with your representative or contact Jackson for more information.

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

Firm and state variations may apply.