Fixed annuities
Since there’s no risk of market loss, your clients can focus on building financial independence and their futures with guaranteed* growth.
Help clients grow and maintain their future retirement
Fixed annuities let clients maintain their principal, while providing a guaranteed minimum interest rate.1 This means their contract value will grow, assuming no withdrawals.
- Preserve principal
- Pursue guaranteed, tax-deferred† growth
- Plan for a legacy
Fixed 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.
Single premium immediate annuities (SPIA) are retirement-focused insurance contracts that convert a one-time lump-sum premium payment to a guaranteed income stream, commencing within the first year of purchase. 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.
Clients have these needs? A fixed annuity may help.
- All other states
- New York only
Our fixed annuities
Help your clients preserve their principal and protect their tax-deferred accumulated earnings from unpredictable market cycles.
Our fixed annuities
Help your clients preserve their principal and protect their tax-deferred accumulated earnings from unpredictable market cycles.
Match clients’ goals with products that could help get them there
Use Product Match Pro, our quick and easy matching tool, to help address clients' aspirations.
- Start a conversation with your clients about their needs
- Identify annuity options that align with those needs
- Show clients the importance of planning for retirement
To see other options, check out these annuities
We understand that a certain annuity doesn’t always work for certain plans. It’s why we offer many types to fit the unique needs of your clients.
*Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York.
†Tax deferral offers no additional value if an IRA or qualified plan, such as a 401(k), is used to fund an annuity 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.
1For Jackson RateProtector, the guaranteed minimum interest rate (GMIR) is guaranteed for the selected guaranteed option period of 3, 5, or 7 years and will be redetermined annually thereafter. The GMIR ranges from a minimum of 1% to a maximum of 3%.
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. 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.
Fixed 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). Variable annuities and registered index-linked annuities are distributed by Jackson National Life Distributors LLC. Subsequent premium may be restricted in some states. These products may not be available in all states and state variations may apply. These contracts have limitations and restrictions, including withdrawal charges and possible excess interest adjustments. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your clients or 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®.
Products and features may be limited by state availability, and/or your selling firm's policies and regulatory requirements (including standard of conduct rules).