Perspective Family

JNV26927 08/23

Overview
JNV26928 08/23

Product Benefits
JNV26929 08/23

Product Comparison

Growth potential,
income and legacy

Learn how Jackson's Perspective Family of variable annuities can help align your financial plan to your vision of retirement.

Explore the benefits of our Perspective Family annuities

Our wide range of investment options^* may provide you the flexibility to build and customize your portfolio based on your financial needs and help you achieve a worry-free and financially healthy retirement.

Investment growth potential

Guaranteed lifetime income^†

Legacy protection options

Learn More

^*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.

^†Lifetime income of the add-on lifetime benefits becomes effective at issue if the designated life is age 59½ at issue, or upon the contract anniversary following the designated life's 59½ birthday, provided the contract value is greater than zero and has not been annuitized.

Guarantees are back by the claims-paying ability of the issuing insurance and do not apply to the principal amount or investment performance of a variable annuity's separate account or its underlying investments.

Compare annuity products

See how the Perspective Family annuities stack up with our other annuity products.

Compare Our Products

Our products can help you invest for growth, building a nest egg for a fulfilling retirement, while protecting your income and the legacy you leave behind.

Pursue investment growth opportunities

The Perspective Family variable annuities may provide opportunities for growth during accumulation years through tax-efficient investing while helping to balance out risk in other areas of your portfolio.

Tax advantages of an annuity^*

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

Discover Annuity Tax Advantages

Investment options^†

Our variable annuities offer a range of investment options that give you the freedom to help build a portfolio that is customized for your individual priorities and preferences.

Explore Investment Freedom

Portfolio Diversification^‡

Discover the potential benefits of diversification and asset allocation, and how to manage market risk.

Address Market Uncertainty

The Market's Been a Bumpy Ride

Markets have historically moved up more often than down. Waiting for the market to stabilize could mean missing out on much-needed gains.

Stay Invested to Pursue Financial Goals

^*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 sub-account within a 15-day period.

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

Excluding New York
New York Only

Protected lifetime income

A Perspective Family variable annuity allows you to choose from our Flex Suite of living benefit options, (add-on benefits) that can help provide guaranteed income^§ for life.

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 living benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity and may be subject to conditions and limitations.

Flex Suite of add-on living benefits

	Customize growth with FLEX	Enhance steady income with FLEX NET	Accelerate initial income with FLEX STRATEGIC INCOME	Balance income and legacy with FLEX DB
Guaranteed income growth
Customizable income growth options
Boost steady income with extra access to earnings
More income upfront to help in early retirement
Combine both income and legacy protections
Explore income options	Perspective II Income Stream Comparison Perspective Advisory II Income Stream Comparison
For additional information on our Flex Suite of add-on living benefits, please refer to our product literature.

^§Lifetime income of an add-on lifetime benefits 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.

The principal value of a variable annuity will fluctuate based upon the performance of the underlying investment options and investors may experience losses if assets are withdrawn for purposes other than retirement income.

There is no assurance a variable annuity with an add-on living benefit will provide sufficient supplemental income in retirement. Add-on benefits may be subject to limitations and conditions.

Retirement Expense & Income Calculator

Our Retirement Expense and Income calculator helps to detect areas that may need improvement by assessing your current and future expenses, along with a proposed solution based on any retirement income gaps.

Calculate Retirement Expenses & Income

Balance income with legacy

A Perspective Family variable annuity allows you to choose from various death benefit options, available for an additional charge, that are designed to help your loved ones avoid the time-consuming and expensive process of probate and provide tax-efficient wealth transfer.

Variable annuity add-on death benefits

	Return of Premium^‡‡	5% Roll-up	Highest Quarterly Anniversary Value (HQAV)	Combination Roll-up and Highest Quarterly Anniversary Value
Give what you put in^**
Guaranteed^†† growth
Lock in quarterly market growth each year
Explore death benefit options	Perspective II Death Benefit Comparison Perspective Advisory II Death Benefit Comparison
For additional information on our add-on death benefits, please refer to our product literature.

^**Give what you put in, reduced by what you take out.

^††Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and do not apply to the principal amount or investment performance of a variable annuity's separate account or its underlying investments.

^‡‡Return of Premium is the standard death benefit for Perspective II.

Protected lifetime income

A Perspective Family variable annuity allows you to choose from our Flex Suite of living benefit options, available for an additional charge, that can help provide guaranteed income^§ for life.

Add-on living benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity and may be subject to conditions and limitations.

New York Flex Suite of add-on living benefits

	Customize growth with FLEX	Enhance steady income with FLEX NET	Balance income and legacy with FLEX DB NY
Guaranteed income growth
Customizable income growth options
Boost steady income with extra access to earnings
Combine both income and legacy protections
Explore income options	Perspective II Income Stream Comparison Perspective Advisory II Income Stream Comparison
For additional information on our Flex Suite of add-on living benefits, please refer to our product literature.

There is no assurance a variable annuity with an add-on living benefit will provide sufficient supplemental income in retirement. Add-on benefits may be subject to limitations and conditions.

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.

Balance income with legacy

A Perspective Family variable annuity allows you to choose from various death benefit options designed to help your loved ones avoid the time-consuming and expensive process of probate and provide tax-efficient wealth transfer.

New York variable annuity add-on death benefits

	Return of Premium^††	Highest Anniversary Value (HAV)
Give what you put in^**
Lock in annual market growth each year
Explore death benefit options	Perspective II Death Benefit Comparison Perspective Advisory II Death Benefit Comparison
For additional information on our add-on death benefits, please refer to our product literature.

^**Give what you put in, reduced by what you take out.

^††Return of Premium is the standard death benefit for Perspective II.

Compare annuity products

See how the Perspective Family annuities stack up with our other annuity products.

Compare Our Products

Annuity product options

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

	Capital Preservation	Growth & Protection Opportunities	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

^†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.

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

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

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^‡Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA. It also may not be available if the annuity is owned by a legal entity such as a corporation or certain types of trusts.

Excluding New York
New York only

Product literature

Review the Perspective Family product literature to gather additional insights about the products.

New York product literature

Review the Perspective Family product literature to gather additional insights about the 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.

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. 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. Please see the prospectus for important information regarding the annuitization of a variable annuity contract.

Variable annuities (contract numbers: (VA775, VA775-CB1, ICC18 VA775, ICC18 VA775-CB1, VA775NY, VA775NY-CB1, VA790, VA790-FB1, ICC17 VA790, ICC17 VA790-FB1, VA790NY, VA790NY-FB1, ICC18 VA775-RLC, VA775, VA775-RLC) 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.

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^®, and Jackson National Life Insurance Company of New York^®.

Perspective Family

Growth potential,
income and legacy

Explore the benefits of our Perspective Family annuities

Compare annuity products

Your life.
Your retirement.

Pursue investment growth opportunities

Tax advantages of an annuity^*

Investment options^†

Portfolio Diversification^‡

The Market's Been a Bumpy Ride

Protected lifetime income

Flex Suite of add-on living benefits

Retirement Expense & Income Calculator

Balance income with legacy

Variable annuity add-on death benefits

Protected lifetime income

New York Flex Suite of add-on living benefits

Balance income with legacy

New York variable annuity add-on death benefits

Compare annuity products

Annuity product options

Capital
Preservation

Growth & Protection
Opportunities

Growth
Potential

Income & Legacy
Benefits

What is a variable annuity?

Product literature

New York product literature

RESOURCES

CONNECT

EXPLORE

Perspective Family

Explore the benefits of our Perspective Family annuities

Compare annuity products

Your life. Your retirement.

Pursue investment growth opportunities

Tax advantages of an annuity*

Investment options†

Portfolio Diversification‡

The Market's Been a Bumpy Ride

Protected lifetime income

Flex Suite of add-on living benefits

Retirement Expense & Income Calculator

Balance income with legacy

Variable annuity add-on death benefits

Protected lifetime income

New York Flex Suite of add-on living benefits

Balance income with legacy

New York variable annuity add-on death benefits

Compare annuity products

Annuity product options

Capital Preservation

Growth & Protection Opportunities

Growth Potential

Income & Legacy Benefits

What is a variable annuity?

Product literature

New York product literature

RESOURCES

CONNECT

EXPLORE

Your life.
Your retirement.

Tax advantages of an annuity^*

Investment options^†

Portfolio Diversification^‡

Capital
Preservation

Growth & Protection
Opportunities

Growth
Potential

Income & Legacy
Benefits