Legal & privacy

At Jackson, we know your privacy is important to you. It’s important to us too. We are committed to protecting your privacy and to upholding the trust you have placed in us to ensure the safety and security of your personal information. We treat your personal information you provide to Jackson with respect and as confidential and we are committed to compliance with all applicable state and federal privacy laws and regulations. We value the trust you have placed in us. 

The links below provide details about our practices and policies for handling and securing your personal information. To exercise the rights you may have related to your personal information or to manage your personal information, please submit a Privacy Data Request using this form or call (800) 644-4565.

Privacy notice: What does Jackson National Life Insurance Company (Jackson) do with your personal information?

At Jackson, the privacy and security of your personal information is a top priority. For information about our general privacy policies please visit https://www.jackson.com/legal-privacy.html#webprivacypolicy

For purposes of your personal information related to the financial services we provide to you ("Personal Information"), this Privacy Notice provides you with details to help you understand our current privacy practices and how we protect and share your Personal Information.
 

Information We May Collect and Use

In order to provide financial products and services to you, we must collect certain Personal Information. The types of information we collect depend on the product or service you are interested in. This information may include your name, address, email address and telephone number along with your date of birth, social security number and financial information.

Most of the information we collect about you comes directly from your application or claim. In order to supplement that information, we may collect information about you from other sources too, such as:

  • Your transactions with us
  • Written, electronic, telephone and other communications from you
  • Consumer reporting agencies

Personal Information We May Disclose

In order to run our business and provide our services and products to you, there are occasions where we may share your Personal Information as allowed by law. 

For example, we may share your Personal Information with third-parties to perform a service for you, such as to process your transactions and maintain your account and to respond to court orders and legal investigations. In addition, we may share your Personal Information with Jackson's affiliated family of companies1 for their everyday business purposes, which include securing your information, marketing and distributing Jackson's products, and maintaining the subaccounts associated with Jackson's products. We do not share your Personal Information with any company for joint marketing or to market their own products to you.

Based upon the necessity of the way we share your Personal Information, we do not offer a limitation to this sharing, which is acceptable under state and federal law. 


How We Protect Your Personal Information

Jackson has an Information Security program with certified and experienced professionals who strive to protect the integrity of our systems and applications. We maintain strict control over access to your information and only allow access to employees who have a legitimate business reason and are bound by confidentiality. We have implemented multi-factor authentication as standard on Jackson.com and VoiceGuard to allow you to authenticate through our Service Center with only your voice. Jackson also requires our third-parties to protect your Personal Information and we limit their ability to use your Personal Information for any purpose other than the work they are doing on our behalf or as required by law. If you have any questions about this Privacy Notice, please contact us at 1 (800) 644-4565 or visit www.jackson.com

 

1Jackson's affiliated family of companies referenced include Jackson National Life Distributors LLC, Jackson National Asset Management LLC and PGDS (US One) LLC.

 

Privacy notice: What does Jackson National Life Insurance Company of New York (Jackson) do with your personal information?

At Jackson, the privacy and security of your personal information is a top priority. For information about our general privacy policies please visit https://www.jackson.com/legal-privacy.html#webprivacypolicy

For purposes of your personal information related to the financial services we provide to you ("Personal Information"), this Privacy Notice provides you with details to help you understand our current privacy practices and how we protect and share your Personal Information.
 

Information We May Collect and Use

In order to provide financial products and services to you, we must collect certain Personal Information. The types of information we collect depend on the product or service you are interested in. This information may include your name, address, email address and telephone number along with your date of birth, social security number and financial information.

Most of the information we collect about you comes directly from your application or claim. In order to supplement that information, we may collect information about you from other sources too, such as:

  • Your transactions with us
  • Written, electronic, telephone and other communications from you
  • Consumer reporting agencies

Personal Information We May Disclose

In order to run our business and provide our services and products to you, there are occasions where we may share your Personal Information as allowed by law. 

For example, we may share your Personal Information with third-parties to perform a service for you, such as to process your transactions and maintain your account and to respond to court orders and legal investigations. In addition, we may share your Personal Information with Jackson's affiliated family of companies1 for their everyday business purposes, which include securing your information, marketing and distributing Jackson's products, and maintaining the subaccounts associated with Jackson's products. We do not share your Personal Information with any company for joint marketing or to market their own products to you.

Based upon the necessity of the way we share your Personal Information, we do not offer a limitation to this sharing, which is acceptable under state and federal law. 


How We Protect Your Personal Information

Jackson has an Information Security program with certified and experienced professionals who strive to protect the integrity of our systems and applications. We maintain strict control over access to your information and only allow access to employees who have a legitimate business reason and are bound by confidentiality. We have implemented multi-factor authentication as standard on Jackson.com and VoiceGuard to allow you to authenticate through our Service Center with only your voice. Jackson also requires our third-parties to protect your Personal Information and we limit their ability to use your Personal Information for any purpose other than the work they are doing on our behalf or as required by law. If you have any questions about this Privacy Notice, please contact us at 1 (800) 644-4565 or visit www.jackson.com

 

1Jackson's affiliated family of companies referenced include Jackson National Life Distributors LLC, Jackson National Asset Management LLC and PGDS (US One) LLC.

 

Privacy notice: What does Jackson National Life Distributors LLC (Jackson Distribution) do with your personal information?

At Jackson Distribution, the privacy and security of your personal information is a top priority. 

For purposes of your personal information related to the financial services we provide to you ("Personal Information"), this Privacy Notice provides you with details to help you understand our current privacy practices and how we protect and share your Personal Information.
 

Information We May Collect and Use

In order to provide financial products and services to you, we must collect certain Personal Information. The types of information we collect depend on the product or service you are interested in. This information may include your name, address, email address and telephone number along with your date of birth, social security number and financial information

Most of the information we collect about you comes directly from your application. In order to supplement that information, we may collect information about you from other sources too, such as:

  • Written, electronic, telephone and other communications from you
  • Consumer reporting agencies

Personal Information We May Disclose

In order to run our business and provide our services to you, there are occasions where we may share your Personal Information as allowed by law. For example, we may share your Personal Information with third parties to perform a service such as to establish, maintain, or transfer your account or to respond to court orders and legal investigations. In addition, we may share your Personal Information with Jackson Distribution's affiliated companies including, Jackson National Life Insurance Company (“Jackson”), and PGDS (US One) LLC for their everyday business purposes, which include securing your information, processing transactions, and maintaining the subaccounts associated with Jackson's products. We do not share your Personal Information with any company for joint marketing or to market their own products to you.

Based upon the necessity of the way we share your Personal Information, we do not offer a limitation to this sharing, which is acceptable under state and federal law.  


How We Protect Your Personal Information

Jackson Distribution has an Information Security program with certified and experienced professionals who strive to protect the integrity of our systems and applications. We maintain strict control over access to your information and only allow access to employees who have a legitimate business reason and are bound by confidentiality. We have implemented VoiceGuard to allow you to authenticate through our Service Center with only your voice. 

Jackson Distribution also requires our third-parties to protect your Personal Information and we limit their ability to use your Personal Information for any purpose other than the work they are doing on our behalf or as required by law.

If you have any questions about this Privacy Notice, please contact us at 1 (888) 646-5653.

 

California-Specific Privacy Policy ("Policy")

California consumers have certain privacy rights granted under the California Consumer Privacy Act. This Policy sets out those rights and provides individuals a form to submit Privacy Data Requests to Jackson®. Jackson® reserves the right to modify this Policy at any time and will post the current Policy incorporating those changes on this page. Changes to this Policy are effective as of the date they are posted. This Policy was last updated on September 1, 2021.
 

1. Managing Your Privacy Rights

Below is a list of privacy rights regarding your personal information under California law.

Right to Know About Personal Information Collected Disclosed or Sold

You have the right to request Jackson® to disclose what personal information it collects, uses, discloses, and sells.

Right to Request Deletion of Personal Information

You have the right to request the deletion of personal information collected or maintained by Jackson®.

Right to Opt-Out of the Sale of Personal Information

Jackson® does not sell your personal information, including the personal information of minors under 16 years of age without affirmative authorization.

Right to Non-Discrimination for the Exercise of Your Privacy Rights

You have the right not to receive discriminatory treatment by Jackson® for exercising your privacy rights under the California Consumer Privacy Act. We will not discriminate against you if you choose to exercise any of your rights under California law. 

Instructions for Submitting a Verifiable Consumer Request

To exercise any of the above rights you or your authorized agent can submit a request using the Privacy Data Request form or by calling Jackson® Customer Service at 800-644-4565. Upon submission of your request we will take commercially reasonable steps to verify your identity and, if applicable, your authorized agent before granting access to or making any changes to your personal information. You will be required to verify your identity by providing your first name, last name, and email address. In some instances, we may ask you to provide other information such as your mailing address or the last four digits of your Social Security Number to verify your identity. If this happens, we will reach out to you directly with this request. 

As explained in our Web Privacy Policy, online visitors may request changes to, or opt-out of the collection of certain personal information at any time. Additionally, any individual who receives email marketing material from Jackson® may opt-out of further electronic communication by following the opt-out instructions contained in the email message.

We will make good faith efforts to provide you with access to your data when you request it, but there may be circumstances in which we need not provide access as allowed by law, including but not limited to instances where the information contains legal privilege, where your identity could not be verified, or where the information may compromise yours or others’ privacy or other legitimate rights. If we determine that access should be restricted in any particular instance, we will provide you with an explanation of why that determination has been made and a contact point for any further inquiries.
 

2. Categories of Personal Information Collected Within the Past 12 Months

Below is a list of the categories of personal information we have collected within the past 12 months. We did not necessarily collect all the specific pieces of personal information listed for any given person. Please note that these are categories of personal information as they are set forth under California law. 

Personal Information Category

(A) Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.

(B) Any categories of personal information described in subdivision (e) of Section 1798.80:

(e) “Personal information” means any information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, or any other financial information, medical information, or health insurance information. “Personal information” does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records.

(C) Characteristics of protected classifications under California or federal law:

  • Sexual orientation
  • Race
  • National origin
  • Medical conditions
  • Disability; physical or mental
  • Genetic information
  • Military or Veteran status
  • Status as a victimm of domestic violence, assault, or stalking
  • Gender identity and gender expression
  • Color
  • Religion
  • Sex (including pregnancy, childbirth, and related medical conditions)
  • Age (40 or older)
  • Marital status
  • Political affiliations or activities

(D) Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

(E) Biometric information.

(F) Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement.

(G) Geolocation data.

(H) Audio, electronic, visual, thermal, olfactory, or similar information.

(I) Professional or employment-related information.

(J) Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99).

(K) Inferences drawn from any of the information identified in this chart to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
 

3. Business Purpose for Which the Personal Information Was Collected Within the Past 12 Months. 

Below is a list of the business purposes for collection of personal information. We did not necessarily collect all the specific pieces of personal information listed above for any given business purpose.

Business Purpose for Which the Personal Information Was Collected

(1) Auditing related to a current interaction with the consumer and concurrent transactions.

(2) Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.

(3) Debugging to identify and repair errors that impair existing intended functionality

(4) Short-term, transient use.

(5) Performing services internally on behalf of Jackson® or for service providers, including, but not limited to, maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying personal information, processing payments, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of Jackson® or service providers.

(6) Undertaking internal research for technological development and demonstration

(7) Undertaking activities to verify or maintain the quality or safety of a service, information system or device that is owned, manufactured, manufactured for, or controlled by Jackson®, and to improve, upgrade, or enhance the service, information system or device that is owned, manufactured, manufactured for, or controlled by Jackson®.

(8) Employment-related purposes, including but not limited to, hiring, talent evaluation, investigations, benefits, compensation, performance evaluation, and termination.
 

4. Categories of Sources from Which Personal Information is Collected

The categories of sources of the personal information collected is from you (through forms, correspondence, telephone, and your use of Jackson® websites), from your employer, consumer reports, and data aggregators.
 

5. Categories of Third Parties with Whom Jackson Shares Personal Information.

Jackson does not share or sell your personal information with "third-parties" as defined by California law.
 

6. Exercise Your Rights

If you have any questions about this Policy or about exercising your rights described above, you can submit a Privacy Data Request by using this form or by contacting us at 800-644-4565.

Effective Date: December 3, 2021

Privacy of personal information is a top priority at Jackson Financial Inc. (together with its subsidiaries, the “Company”, “we”, “our”).

This Associate Privacy Notice (“Notice”) is intended to provide associates with notice that identifies the categories of personal information that may be collected and why the Company collects such information. 
 

Updates

This Notice will be updated at least once every twelve (12) months to reflect changes in our business, legal or regulatory obligations. The current version will be posted for applicants and internal associates can periodically check this Notice for changes by visiting the Corporate Policies page on the Company’s intranet site. The Company will not collect additional categories of your personal information or use your personal information already collected for additional purposes without providing you with a notice of our intent to do so. Any changes to this Notice will be effective from the date they are communicated to you. If we make any material changes to this Notice, we will notify you before such changes are effective. 
 

Definitions

Personal information” includes information that is collected by the Company about you in the course of employment for employment-related purposes and includes any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you

Process”, “processed” or “processing” means any operation or set of operations which is performed on personal information, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction of personal information. 

Associates”, “associate” or “you” means an identified or identifiable natural person who is acting as a Jackson job applicant, associate, or contractor. In this context “job applicant” refers to any person who has submitted his or her candidacy with the Company; “associate” refers to any person who is employed at the Company as a full-or part-time associate, strategic support associate, temporary worker, or intern and “contractor” means a natural person who provides any service to the Company pursuant to a written contract. 
 

Personal Information We Collect About You

Listed below are the categories of personal information that the Company may process about associates: 

Identifiers, including real name, alias, postal address, unique personal identifiers, email, account name, social security number, driver’s license number, passport number or other similar identifiers. In this context, a “unique personal identifier” means a persistent identifier that can be used to recognize an associate, or a device that is linked to an associate, over time and across different services, including, but not limited to, a device identifier; an Internet Protocol address; cookies, beacons, pixel tags, or similar technology; unique pseudonym, or user alias; telephone numbers, or other forms of persistent or probabilistic identifiers. 

Characteristics of Protected Classifications Under California or Federal Law, including the following: race, ethnicity, national origin, religion (includes religious dress and grooming practices), sex/gender (includes pregnancy, childbirth, breastfeeding and/ or related medical conditions), gender identity, gender expression, sexual orientation, marital status, medical condition (such as genetic characteristics, cancer or a record or history of cancer), disability (such as mental and physical including HIV/AIDS, or cancer), military or veteran status, request for family care leave, request for leave for an associate’s own serious health condition, request for pregnancy disability leave, and age. 

Internet or Other Electronic Network Activity Information, including business emails, text messages, browsing history, search history, application access location and information regarding an associate’s interaction with an internet website, application or advertisement, time and geolocation data related to use of an internet website, application or physical access to any of the Company’s office locations. 

Professional or Employment-related Information, including job related data, maintained as part of an application or the employment relationship that is present in: a job application or resume; an employment contract or job offer; a contractor agreement; a performance review; a disciplinary record; an investigation; photos; biometric data, including imagery of your fingerprint, face, and voice recordings; information from associate expenses; browsing and search history; payroll and benefits related data; internal and external contact information; or information captured from video, audio, systems, or other forms of monitoring or surveillance. 

Education Information, including information about an associate’s educational background, such as education records and transcripts, that is not publicly available. 

Inferences, including any information drawn from any of the personal information categories referenced above to create a profile about an associate reflecting the associate’s characteristics, psychological trends, preferences, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. 
 

Purposes for Collecting Your Personal Information 

The Company may collect the personal information identified above for the business reasons listed below. 

To Recruit Associates, including to conduct employment-related background screening and checks, criminal background checks and drug testing. 

To Administer Benefits, such as medical, dental, vision, and retirement benefits, including recording and processing eligibility of dependents, tuition reimbursement, absence and leave monitoring, and life insurance. 

To Pay and Reimburse for Expenses, including salary administration, payroll management, payment of expenses, to administer other compensation related payments, including assigning amounts of bonus payments to individuals and administration of departmental bonus pools. 

To Conduct Performance-Related Reviews, including performance appraisals, career planning, skills monitoring, job moves, promotions and staff re-structuring.  

To Monitor Work-Related Licenses and Credentials, including provisioning licenses for use in the course of an associate’s work-related responsibilities, ensuring compliance, training, examination and other requirements are met with applicable regulatory agencies.

To Provide Our Associates with Human Resources Management Services, including providing associate data maintenance and support services, administration of separation of employment, approvals and authorization procedures, administration and handling of associate claims, and travel administration. 

To Administer Domestic and International Travel/Assignments, including relocation services, documenting assignment terms and conditions, obtaining relevant immigration documents, initiating vendor services, fulfilling home/host country tax administration and filing obligations and addressing health and safety requirements. 

To Maintain Your Contact Information, including altering your details across relevant entities within the Company (for example personal, other employment and transferring roles).

To Assist You in Case of Emergency, including maintenance of contact details for you, and your dependents in case of personal or business emergency. 

To Monitor Eligibility to Work in the U.S., which means monitoring and ensuring compliance of associates’ ability to work in the U.S.  

To Conduct Healthcare-Related Services, including conducting pre-employment and employment-related medical screenings for return to work processes and medical case management needs; determining medical suitability for work-related tasks; identifying health needs of associates to plan and provide appropriate services, including operation of sickness policies and procedures; and providing guidance on fitness for travel and fitness for expatriation. 

To Facilitate Better Working Environment, which includes conducting associate surveys, providing senior management information about other associates, and conducting training. 

To Ensure a Safe and Efficient Working Environment, which includes processing relating to disciplinary actions, associate handbook and code of conduct processes and investigations. 

To Maintain Security on the Company’s Information Systems, Websites and Internet Connected Assets, which includes hosting and maintenance of computer systems and infrastructure; management of the Company’s software and hardware computer assets; systems testing, such as development of new systems and end-user testing of computer systems; training; and monitoring email and Internet access. 

To Comply with Applicable Law or Regulatory Requirements, such as legal (state and federal) and internal company reporting obligations, including headcount, management information, demographic and health, safety, security and environmental reporting. 
 

Further Information 

If you have any questions about this statement, please contact: JacksonPrivacyOperations@jackson.com. For the Company’s other privacy policies, or to submit a request related to your privacy rights, please visit our Legal and Privacy page.

This web privacy policy (“policy”) is effective as of February 14, 2020. Jackson reserves the right to modify this policy at any time and will post the current policy incorporating those changes on this page. Changes to this policy are effective as of the date they are posted.

 

Security

Jackson recognizes that information security is a crucial topic. To protect data, we've built an industry-standard Information Security program with certified and experienced professionals who strive to protect the integrity of our systems and applications. Precautions have been implemented throughout our organization, including, where appropriate, password protection, multi-factor authentication, encryption, TLS, firewalls, and internal restrictions on who may access data to protect the information we collect from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Information you provide to us when filling out secure forms on our Sites, as well as information we supply when you are visiting those areas, is protected while passing through the Internet using encryption technology called Transport Layer Security (TLS). Your browser will indicate when you are within a secure area of our Sites by displaying a symbol, such as a locked padlock or an unbroken key. To learn more about how Jackson protects your personal information, please visit the Cyber security page.

 


How we collect, use, and share your information
Information you provide to us directly

To provide our web visitors with valuable information related to financial interests, Jackson may collect personally identifiable information ("PII") directly from you through forms that you choose to fill out and submit to Jackson including, but not limited to, your first and last name, email address, phone, and zip code. Where PII is required to be collected, this will be clearly communicated before you choose to provide the information. We use this information coupled with your indication of content preferences to provide you relevant information through your email address. 

We share this personal information to our third-party partners to assist with sending you email messages. You can "opt out" of this communication or, in other words, simply stop receiving it at any time by following the opt-out instructions contained within the email message from Jackson.

 

Digital analytics information

To enhance our visitors' usability of the Jackson website, digital analytics tools are used to understand and optimize performance. This includes, but is not limited to, the collection of your IP address and information about what pages you visit, the average time on the page, and whether you have visited the site and pages in the past. While it's our goal to use this data responsibly, we understand that you may not wish to have information collected regarding your visit to Jackson.com, its landing pages, and its associated sites found on the Jackson.com sitemap.

You can select Do Not Share My Personal Information to view/change your data collection preferences with respect to the use of digital analytics at any time and opt out of our analysis of your browsing experience on Jackson.com, its landing pages and its associated sites found on the Jackson.com sitemap (“Jackson Sites”). Additionally, you can control the information that is sent to Google, one of our analytics tool providers, and learn more about how Google uses the information by visiting Google’s Privacy & Terms.

 

Cookies

A cookie is a piece of data stored within the web browser on your computer by the websites you visit. Cookies are widely used to improve browsing experience and help websites function more efficiently.

From our website, Jackson may place cookies on your computer. There are two types of cookies that we use:

  • Session cookies - These cookies are temporarily created when you visit our website. When you leave the website, all session cookies are deleted.
  • Persistent cookies - These cookies remain on your computer for the period of time specified in the cookie. They are activated each time you visit our website, which created that particular cookie.

The cookies we use help the website to remember your session, allow certain functionality of the website, and facilitate website usage analysis. This will enable us to continually improve the website and our systems. 

For users not logged in to Jackson.com, the cookies do not hold any PII about you. We do not associate any data gathered from cookies with any personal information you choose to provide us. For logged-in users, some PII, including your email address and agent number may be collected and shared with our digital analytics partners through our effort to understand and optimize Jackson Sites performance. 

Many internet browsers allow you to adjust your cookie preferences or delete existing cookies from your internet browser. If you set your browser to reject cookies, you should be aware that certain website features, promotions or services may not be available to you or may not function correctly. 

Certain internet browsers may provide you the choice to set "Do Not Track" preferences, to limit the collection of information about your online activities over time and across third-party websites or online services. Jackson's systems do not respond to internet browser "do not track" signals or similar mechanisms. 

 

Pixel tags

To determine the efficacy of our marketing efforts, we use pixel tags, which are small pieces of JavaScript code, to collect information about you and your browsing session during your visit to Jackson Sites. The information we collect through the pixel tag does not contain PII. This information is subsequently shared with our service providers and they may use this information to direct advertising to you based upon the information collected while visiting Jackson Sites.

We understand that you may not want to allow Jackson to collect and share this information related to cross-device tracking and advertisement targeting. Therefore, you can select Do Not Share My Personal Information to view/change your data collection preferences with respect to Jackson’s use of targeted advertising at any time and opt out of our analysis of your browsing experience on Jackson Sites.

 


Our vendors’ and partners’ collection and use of non-personal information

Jackson works with vendors and other partners to help deliver online and mobile advertisements for Jackson products and services that we think may be of interest to you using non-personally identifiable information. Many of these advertisements are not targeted to you specifically, but rather are placed on third-party internet websites where we anticipate our target audience will visit frequently. We do not control and are not responsible for the privacy practices of third-party internet websites where our advertisements appear. 

Our vendors and other partners also may use cookies, pixel tags, and other technologies to perform services on our behalf. Jackson does not control the use of this technology or the resulting information and is not responsible for any actions or policies of such third parties. These vendors and other partners include third-party websites, online and mobile advertising networks and similar advertising service providers, and content networks. These vendors and other partners may record which ads your browser has seen and which site pages you may have been viewing when the ads were delivered. 

Some of our advertisements delivered for us by these vendors and other partners may be based on your online behaviors (e.g., on Jackson sites and other third-party sites), your search activity, or your general geographic location (such as whether your Wi-Fi network indicates that you are in an airport). These ads may appear on our own sites or on third-party websites. You may also see advertisements for third parties' products and services on other websites based on your visits to Jackson sites and other sites. 

We also engage vendors to deliver online advertisements to users whose online behaviors on sites other than our own sites indicate that they may be interested in our products, or to help us deliver advertisements to users based on their publicly available social networking information. Some of our vendors may use anonymous data, such as demographic data, received from third parties to assist in the delivery of our advertisements to you. 

You may view a list of certain companies that collect or use information about your browsing activity to assess your ad interests, and they may or may not provide you with the opportunity to opt-out of their use of your browsing activity to serve you interest-based ads. Those companies are responsible for managing and honoring your opt-out choices, and Jackson is not responsible for their actions or policies. 

 


Applicability of Jackson’s web privacy policy

Our site may be reached by links from or contain links to other websites, which are not owned or controlled by us. These other websites may have privacy policies controlling the collection and use of personal information about you that are different from and not applicable to Jackson's web privacy policy. We are not responsible for the privacy practices of these other sites, and a link to or from another site is not an endorsement by us of that site, its content, its privacy practices or its sponsoring organization. When accessing any of these other sites, review the privacy information provided as part of the site to determine the privacy practices about that site and, if necessary, contact the site owner with questions or requests for additional privacy information. 

Business continuity plan disclosure

As a FINRA member firm, Jackson National Life Distributors LLC (“Jackson Distribution”) maintains a business continuity plan that addresses the possibility of a future significant business disruption and how Jackson Distribution plans to respond to events of varying scope, such as natural disasters, power outages, and other significant events that could affect Jackson Distribution and the buildings, city, or regions where it operates. 

Jackson Distribution is a FINRA registered broker-dealer and the wholesale distribution arm of Jackson National Life Insurance (“Jackson”). Jackson Distribution engages in activities related to the underwriting and distribution of variable annuity and mutual fund products and distribution of insurance products and other non-securities products issued by Jackson or its affiliate companies to other broker-dealers, financial institutions, and insurance agencies/agents. To the extent Jackson Distribution acts as the broker-dealer of record for accounts, it only does so for a short time, usually a matter of days. Accordingly, a significant business disruption may prevent the opening of accounts for new customers or the processing of new account forms recently received from prospective customers.  A significant business disruption may also prevent or delay the underwriting and distribution of the above-described products.

Jackson Distribution’s business continuity plan and this Business Continuity Plan Disclosure are subject to change. Changes will be reflected on the Business Continuity Plan as appropriate.

Plan request

A copy of the current version of this Business Continuity Plan Disclosure will be mailed to customers upon request. Please send requests to:

Jackson National Life Distributors LLC
Attn: Compliance Department
300 Innovation Drive
Franklin, TN 37067

All plans are subject to modification.

Social media disclosures

Jackson is not always able to respond immediately to all comments posted on our social media sites. For this reason, we ask that you not use these sites to request transactions, submit complaints, or raise customer service questions. For these topics, please email customercare@jackson.com so our customer service associates may assist you, or contact us by phone.

Our social media platforms are public websites. For your own security, we strongly suggest that you NOT share personal information on these sites. By posting on our social media pages, you represent that you have the right to share the material in your posts, including intellectual property, trademarks and copyrighted material.

We reserve the right to delete comments or postings at any time without notice, for any reason, and at our sole discretion. If you are a Jackson (or affiliated company) employee, remember that all company policies apply to your postings here.

Note that posts and comments made by third-party social media users do not represent the opinions of Jackson National Life Insurance Company, nor do we confirm the accuracy of any statements made in these posts. Jackson is not responsible for and does not endorse any third-party links, comments, advertisements, or other information included on our social media pages.

Some of our content relates to financial education and general investing and financial topics. Please read the following disclaimer regarding this content:

Before investing, investors should carefully consider the investment objectives, risks, charges, and expenses of the variable insurance product, including its underlying investment options. The current prospectus (or for the variable insurance products the contract prospectus and underlying fund prospectuses, which are contained in the same document) provides this and other important information. Please contact your financial professional or the Company to obtain the prospectus(es). Please read the prospectus(es) carefully before investing or sending money.

Diversification does not assure a profit or protect against loss in a declining market. Investing involves risks including possible loss of principal.

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 are 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. 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®. Jackson National Life Distributors LLC.

Jackson National Life Distributors LLC
Form CRS Customer Relationship Summary
April 2022

Jackson National Life Distributors LLC (“JNLD”, “we”, “us”, or “our”) is a wholly owned subsidiary of Jackson National Life Insurance Company (collectively, with its affiliates “Jackson”), and distributes annuities issued by Jackson. JNLD is registered with the U.S. Securities and Exchange Commission2 (”SEC”) as a broker-dealer and is a member of the Financial Industry Regulatory Authority3 (”FINRA”). Brokerage and investment advisory services and fees differ, and it is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at https://www.Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

What investment services and advice can you provide me?

Our primary activities involve the distribution of annuities, insurance and mutual funds issued by Jackson and its affiliates through financial intermediaries.

We offer limited brokerage services and make recommendations to retail investors who are referred to us by fiduciaries such as trust companies and registered investment advisers. We may also make recommendations to retail investors who are employees of our affiliates. Below is a description of how we serve you as a broker-dealer.

  • We recommend fixed, fixed index, and variable annuities, and other registered insurance products. Our recommendations are limited to products sponsored by our affiliate, Jackson.
  • When making recommendations, we consider your investment profile and we complete the transactions you decide to make. You make the ultimate decision whether to buy or sell any investment.
  • We are not a fiduciary with respect to the recommendations and do not maintain a fiduciary relationship with you.
  • We do not make investment decisions for you or provide ongoing investment advice, monitor your investments, or hold customer accounts or assets. You make the ultimate decision whether to buy or sell any investment.
  • We do not maintain a customer account or hold your assets. We forward your product application to Jackson, the insurance carrier. Your investment is held directly by Jackson, not in an account at our firm.
  • Upon acceptance of the application by Jackson, JNLD’s relationship with you ends.

Within Jackson’s variable annuities, investors can allocate their investment among sub-accounts known as Investment Divisions or “Funds.” These Funds are managed by Jackson’s subsidiary, Jackson National Asset Management LLC (“JNAM”). JNAM is primarily responsible for supervising, reviewing, and monitoring fund managers, called Investment Partners, who implement the investment objectives of the Funds.

For additional information, please see:

https://www.jackson.com/legal-and-privacy.html#regulation-best-interest-disclosure

https://www.jackson.com/annuities/variable-annuities/investment-options.html

https://www.jackson.com/the-jackson-difference/who-we-are.html

Conversation Starters. Ask your financial professional—

  • Given my financial situation, should I choose a brokerage service? Why or why not?
  • How will you choose investments to recommend to me?
  • What is your relevant experience, including your licenses, education and other qualifications? What do these qualifications mean?

What fees will I pay?

You will not pay any commission or direct fee to us for brokerage services. You will, however, pay fees and costs to Jackson in connection with the product you purchase. We indirectly receive some of these fees and costs at times as payment for our distribution services, which is a benefit to us. You may also pay fees in connection with your investment in the Funds that are shared, in part, with JNLD.

Contract charges for annuities include the Core Contract Charge, which compensates Jackson for its expenses associated with annuity contracts, the Annual Contract Maintenance Charge, which is for certain administrative expenses, the Transfer Charge, which applies after you have made 25 transfers among the Funds within a year period, and the Withdrawal Charges, which applies when you make certain premature withdrawals. Contract charges are assessed monthly or annually, except the Withdrawal Charge and Transfer Charge, which are assessed at the time of the withdrawal or transfer. An explanation of the fees and costs associated with our products is available in our Regulation Best Interest Disclosure.

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investments over time. Please make sure you understand what fees and costs you are paying.

Conversation Starter. Ask your financial professional—

  • Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

What are your legal obligations to me when providing recommendations? How else does your firm make money and what conflicts of interest do you have?

When we provide you with a recommendation, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we earn money creates conflicts of interest. You should understand and ask us about these conflicts of interest because they can affect the recommendations we provide you. Here is an example to help you understand our conflicts of interest:

  • We only offer Jackson annuities. We have an incentive to recommend Jackson annuities and Funds for which we and Jackson receive greater compensation and to recommend Jackson annuities and Funds to increase overall assets.

Conversation Starter. Ask your financial professional—

  • How might your conflicts of interest affect me, and how will you address them?

For additional information, please see https://www.jackson.com/legal-and-privacy.html#regulation-best-interest-disclosure.

How do your financial professionals make money?

Our Annuity Support Unit Associates, who provide limited retail brokerage services, are registered financial professionals who facilitate the purchase of our products. We do not compensate our Annuity Support Associates through commissions. We compensate our Annuity Support Associates with a base salary and an annual discretionary bonus. The amount of the annual bonus is based on a percentage of the associate’s salary, varies by the associate’s title, and is tied to how well the associate performs his or her job.

Do you or your financial professionals have legal or disciplinary history?

Yes. You may research the firm or your financial professional’s history at the SEC at Visit https://www.Investor.gov/CRS or FINRA at https://brokercheck.finra.org.

Conversation Starter. Ask your financial professional—

  • As a financial professional, do you have any disciplinary history? For what type of conduct?

Additional information

For additional information about our services and our experts, visit https://www.Jackson.comIf you would like additional, up-to-date information or a copy of this disclosure, please ask your financial professional or call 1-800-565-9044

Conversation Starter. Ask your financial professional—

  • Who is my primary contact person? Is he or she a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me?

Exhibit to Form CRS Amendment
Material Change to Form CRS

Below is a summary of the material changes to the JNLD Customer Relationship Summary (Form CRS):

  • Clarified language specific to the products, services, and advice of JNLD;
  • Clarified that JNLD is not a fiduciary and does not maintain a fiduciary relationship with you; and
  • Changed our response to “Do you or your financial professionals have legal or disciplinary history?” from “No” to “Yes” to reflect disciplinary history related to affiliates.

1Statements in this summary (including our obligation to act in your best interest when making a securities recommendation) (i) are required by SEC Form CRS, summary in nature and limited in substance and size by SEC Form CRS; (ii) relate only to our obligations under SEC Regulation Best Interest, (iii) do not create or modify any agreement, relationship or obligation between you and us or our financial professionals; and (iv) are subject to the more complete terms and conditions of our brokerage agreements and disclosures.

2https://www.sec.gov/

3https://www.finra.org/

Jackson National Life Distributors LLC
Regulation Best Interest Disclosure Document

Effective August 29, 2022

Jackson National Life Distributors (“JNLD”, “we,” “our,” “us,” or “our firm”) provides this disclosure document (this “Regulation Best Interest Disclosure Document”) to you to ensure that you are informed about our services, fees and our relationship with you. Among other things, this Regulation Best Interest Disclosure Document provides you with material facts relating to: (1) the scope and terms of our relationship, including: the capacity in which we and our financial professionals are acting, the type and scope of our services, material limitations on our services, and the material fees and costs of our products; and (2) conflicts that exist between your interests and ours (firm or financial professionals).

You are encouraged to review this Regulation Best Interest Disclosure Document in detail and contact your financial professional with any questions. If you would like another copy of this Regulation Best Interest Disclosure Document, please feel free to access and download it from our website at https://www.jackson.com. You also may request another copy of this Regulation Best Interest Disclosure Document by contacting us at (800) 565-9044.  

Scope of our relationship with you

We are registered with the U.S. Securities and Exchange Commission (the “SEC”) as a broker-dealer. Our relationship with you is very limited and begins when your investment adviser representative refers you to JNLD or when you, an associate of Jackson National Life Insurance Company (collectively, with its affiliates “Jackson”), expresses interest in purchasing a Jackson annuity. In our capacity as an SEC-registered broker-dealer, we can offer you the broker-dealer services described below. When we act in our capacity as a broker-dealer, we are subject to the following:

  • The Securities Exchange Act of 1934 (the “Exchange Act”);
  • The rules of Financial Industry Regulatory Authority, Inc. (“FINRA”); and
  • Applicable state laws.

Before or at the time you enter into a broker-dealer relationship with us, you will receive our Form CRS which provides easy to understand information about the services we offer, fees and costs, conflicts of interest, and disciplinary history, among other information. Our Form CRS is available at https://www.jackson.com. You may also request a copy of our Form CRS from our financial professionals or by contacting us at (800) 565-9044. Additionally, free and simple tools are available for you to research firms and financial professionals, including us and our financial professionals, at https://www.Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

What investment services do we provide?

Broker dealer services

Our financial professionals can recommend securities transactions. Our relationship with you is limited and begins when your investment adviser representative refers you to JNLD. Our financial professionals will review your investment profile and may make a recommendation regarding a Jackson annuity if doing so is in your best interest. If the client, you, wants the annuity, JNLD then serves as the broker-dealer of record and insurance agency for the transaction. We recommend fixed, fixed index, and variable annuities, and other registered insurance products.  Our recommendations are limited to products sponsored by our affiliate, Jackson. When making recommendations, we consider your investment profile, and we complete the transactions you decide to make. We are not a fiduciary with respect to the recommendations and do not maintain a fiduciary relationship with you. You make the ultimate decision whether to buy or sell any investment. We do not maintain a customer account or hold your assets. We forward your product application to Jackson, the insurance carrier. Your investment is held directly by Jackson, not in an account at our firm. Upon acceptance of the application by Jackson, JNLD’s relationship with you ends.  

Our basis for recommendations

Our financial professionals must have a reasonable basis to believe that each recommendation is in your best interest. Our financial professionals examine each security’s performance, risk, rewards, and other characteristics in light of your investment profile. Your investment profile includes age, financial situation and needs, tax status, investment objectives, investment experience, investment time horizon, liquidity, and other information that you may disclose to our financial professionals. We will consider the cost of the product, investment objectives, product characteristics, liquidity, volatility, market performance and reasonably available product alternatives that best suits your investment profile and goals.

We also require our financial professionals to have a reasonable basis to believe that each recommendation made to you does not place our firm’s or our financial professional’s financial or other interests ahead of your interests.

Material limitations on our services

We have several material limitations on the type of services we provide and the scope of our services. The material limitations on our services are explained below: 

  • Proprietary products and services

Our recommendations are limited to products offered by Jackson.

If you purchase a variable annuity and invest in the available sub-accounts (“Funds”), these Funds are managed by Jackson’s asset management subsidiary, Jackson National Asset Management LLC (“JNAM”). JNAM is responsible for supervising, reviewing, and monitoring fund managers called “Investment Partners.” The Investment Partners implement investment objectives to the Funds of the variable annuity contracts. These Funds are a part of your variable annuity separate account, which will be discussed below.

If you choose to invest in the Funds within a variable annuity, your assets are held in a separate account at Jackson. This separate account is segregated from the company’s general account but is still an accounting and reporting account held by Jackson. The separate account provides access to the Funds and Investment Partners mentioned above, in order to align with your risk tolerance and growth expectations. There is inherent risk associated with each Fund that may cause the variable annuity contract to lose value.  

  • Account monitoring

Our financial professionals do not monitor your account, the investments in your account (including those investments our financial professionals recommend for you), or their performance.  Our financial professionals do not monitor your variable annuity contract, nor any investment allocations made through it. Your investment is held directly by Jackson, not in a broker-dealer account at our firm.  Upon acceptance of the application by Jackson, JNLD’s relationship with you ends.                                                            

  • Limitations of investments offered

We do not offer a wide range of investments. We only offer fixed, fixed index, and variable annuities, and other registered insurance products which means that our financial professionals are limited to recommending these types of annuities. Additionally, we only offer the products and services offered by our affiliates, for example JNAM. 

Product offering

As stated above, our recommendations are limited to products offered by Jackson, which are annuities.  All of Jackson’s annuities are long-term, tax-deferred investment vehicles designed for retirement. Annuity earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½ unless an exception to the tax is met. Below is a summary of the specific types of Jackson annuities offered:

  • Fixed annuities, which allow you to avoid market losses and assure a return on your investment with a guaranteed interest rate, backed by Jackson. It does this by having a fixed interest rate that adds interest to your annuity contract over the life of the annuity.
  • Fixed index annuities, which combine the advantages of a traditional fixed annuity’s safety of principal with the potential for additional interest linked to the return of an index, as interest is credited based on the performance of an index without being directly invested in the market itself. Fixed index annuities are also referred to as fixed annuities with index-linked interest in the contract. An add-on income benefit may be available for an additional charge on Jackson’s fixed index annuities.
  • Variable annuities, which allow you to spread your money across a wide range of investment options which may help grow your assets. However, unlike fixed and fixed index annuities, variable annuities have investment risks and may lose value. Add-on living benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity. 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 add-on benefit may exceed the actual benefit paid.
  • A Registered Index-Linked Annuity (“RILA”).  Similar to Jackson’s variable annuities, the RILA is subject to investment risks, its value will fluctuate, and loss of principal is possible. The RILA allows you to choose how you want to prioritize growth opportunities while managing the amount of loss you may assume.  It offers an array of index options, multiple crediting methods, and a selection of buffer or floor protection options.

The following are annuities available through Jackson for its Independent Registered Investment Advisor channel offering:

  1. Perspective Advisory II Flexible Premium Variable and Fixed Deferred Annuity (“Perspective Advisory II Variable Annuity”)
  2. Perspective Advisory II NY Flexible Premium Variable and Fixed Deferred Annuity (“Perspective Advisory II NY Variable Annuity”)
  3. Jackson Retirement Investment Annuity Flexible Premium Variable and Fixed Deferred Annuity (“JRIA Variable Annuity”)
  4. Jackson Retirement Investment Annuity NY Flexible Premium Variable and Fixed Deferred Annuity (“JRIA NY Variable Annuity”)
  5. MarketProtector Advisory Fixed Index Annuity
  6. Jackson Market Link Pro Advisory RILA 

The following are annuities available through Jackson for its employees:

  1. Perspective Advisory II Variable Annuity
  2. Perspective Advisory II NY Variable Annuity 
  3. JRIA Variable Annuity 
  4. JRIA NY Variable Annuity 
  5. MarketProtector Advisory Fixed Index Annuity 
  6. Jackson Market Link Pro Advisory RILA
  7. Elite Access Advisory II Flexible Premium Variable Deferred Annuity ('Elite Access Advisory II Variable Annuity")
  8. Elite Access Advisory II NY Flexible Premium Variable Deferred Annuity ('Elite Access Advisory II NY Variable Annuity")
  9. Jackson RateProtector Fixed Annuity 
  10. Jackson RateProtector NY Fixed Annuity 

The prospectuses for the variable annuities and RILA listed above, as well as the corresponding product guides and product brochures for the listed fixed and fixed index annuities, can be found here: https://www.jackson.com/annuities.html1

Each product carries with it inherent risk. Please review each product to understand what inherent risks are associated with the product. Each product bears different material fees and costs. See below for more detailed information regarding each product’s fees and costs. Please note that the below listed material fees and costs are not the only charges that you may incur. If there is a difference in the figures within this form and those in the product prospectus or contract, the contract will prevail. Some products have optional add-on benefits which will raise the fees and costs you pay.

1Capitalized terms are defined as outlined in the applicable product prospectus or product disclosure document.

Fees and costs

This section provides information about the material fees and costs that apply to our products. There are fees and costs associated with each one of our products regardless of whether you make or lose money on your investment. Fees and costs will reduce the value of your contract. Below is information about the products mentioned above and their respective material fees and costs. Some products may have optional add-on benefits. For more details about any of the information given below, or about the fees and costs associated with the optional add-on benefit selections of each product, view the applicable product prospectus or product guide/brochure, or contact Jackson's Annuity Support Unit at (888) 646-5653.. 

Perspective Advisory II Variable Annuity

 

 

FEES AND EXPENSES

Charges for Early Withdrawals

 

None.

Transaction Charges

 

You may be charged for certain transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds.

Ongoing Fees and Expenses

(annual charges)

The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected.  The fees and expenses disclosed below do not reflect any advisory fees paid to third party financial professionals from your Contract Value or other assets.  If such advisory fees were reflected, the fees and expenses disclosed below would be higher.

 

ANNUAL FEE

MINIMUM

MAXIMUM

 

1. Base Contract

0.46%1

0.46%1

 

2. Investment options (Fund fees and expenses)

0.31%2

1.71%2

 

3. Optional benefits available for an additional charge (for a single optional benefit, if elected)

0.20%3

1.75%3

 

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges.


1
As a percentage of average daily account value of Investment Divisions.

2As a percentage of average Fund net assets.

3The minimum fee reflects an annualized percentage of Contract Value.  The maximum fee reflects an annualized percentage of the GWB.

 

LOWEST ANNUAL COST: $748

HIGHEST ANNUAL COST: $4,302

Assumes:

•  Investment of $100,000

•  5% annual appreciation

•  Least expensive combination of Fund fees and expenses

•  No add-on benefits

•  No sales charges or advisory fees

•  No additional purchase payments, transfers or withdrawals

Assumes:

•  Investment of $100,000

•  5% annual appreciation

•  Most expensive combination of add-on benefits, Fund fees and expenses

•  No sales charges or advisory fees

•  No additional purchase payments, transfers or withdrawals

 

 

Transaction Expenses

Maximum Withdrawal Charge

 

None

Transfer Charge (per transfer after 25 in a Contract Year)

 

$25

Premium Taxes (Percentage of each Premium)1

Minimum

0%

Maximum

3.5%

Expedited Delivery Charge2

 

$22.50

Wire Transfers (for withdrawals)3

 

$25

Annual Contract Maintenance Charge4

 

$35

1Premium taxes generally range from 0% to 3.5% and vary by state.

2Between Monday and Friday, the Expedited Delivery Charge is $10. On Saturday, the Expedited Delivery Charge is $22.50.

3Standard wire fees are $20, international wire fees are $25.

4This charge is waived on Contract Value of $50,000 or more.  This charge is deducted proportionally from allocations to the Investment Divisions and the Fixed Account either annually (on your Contract Anniversary) or in conjunction with a total withdrawal, as applicable.

Perspective Advisory II NY Variable Annuity

 

FEES AND EXPENSES

Charges for Early Withdrawals

None.

Transaction Charges

 

You may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds.

Ongoing Fees and Expenses

(annual charges)

The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any advisory fees paid to third party financial professionals from your Contract Value or other assets.  If such advisory fees were reflected, the fees and expenses disclosed below would be higher.

 

ANNUAL FEE

MINIMUM

MAXIMUM

 

1. Base Contract

0.46%1

0.46%1

 

2. Investment options (Fund fees and expenses)

0.31%2

1.71%2

 

3. Optional benefits available for an additional charge (for a single add-on benefit, if elected)

0.20%3

1.80%3

 

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges.



As a percentage of average daily account value of Investment Divisions.

2As a percentage of average Fund net assets.

3The minimum fee reflects an annualized percentage of the GMDB Benefit Base.  The maximum fee reflects an annualized percentage of the GWB.

 

LOWEST ANNUAL COST: $748

HIGHEST ANNUAL COST: $3,682

Assumes:

•  Investment of $100,000

•  5% annual appreciation

•  Least expensive combination of Fund fees and expenses

•  No add-on benefits

•  No sales charges or advisory fees

•  No additional purchase payments, transfers, or withdrawals

Assumes:

•  Investment of $100,000

•  5% annual appreciation

•  Most expensive combination of add-on benefits, Fund fees, and expenses

•  No sales charges or advisory fees

•  No additional purchase payments, transfers, or withdrawals

 

Transaction Expenses

 

Maximum Withdrawal Charge

 

None

Transfer Charge (per transfer after 25 in a Contract Year)

 

$25

Premium Taxes (Percentage of each Premium)1

Minimum

0%

Maximum

2.0%

Expedited Delivery Charge2

 

$22.50

Wire Transfers (for withdrawals)3

 

$25

Annual Contract Maintenance Charge4

 

$30

1Currently, Premium taxes do not apply.

2Between Monday and Friday, the Expedited Delivery Charge is $10. On Saturday, the Expedited Delivery Charge is $22.50.

3Standard wire fees are $20, international wire fees are $25.

4This charge is waived on Contract Value of $50,000 or more.  This charge is deducted proportionally from allocations to the Investment Divisions and the Fixed Account either annually (on your Contract Anniversary) or in conjunction with a total withdrawal, as applicable.

JRIA Variable Annuity

 

FEES AND EXPENSES

Charges for Early Withdrawals

None.

Transaction Charges

 

In addition to the Core Contract Charge, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds.

Ongoing Fees and Expenses

(annual charges)

The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected.  The fees and expenses disclosed below do not reflect any advisory fees paid to third party financial professionals from your Contract Value or other assets.  If such advisory fees were reflected, the fees and expenses disclosed below would be higher.

 

ANNUAL FEE

MINIMUM

MAXIMUM

 

1. Base Contract

0.41%1

0.41%1

 

2. Investment options (Fund fees and expenses)

0.22%2

1.71%2

 

3. Optional benefits available for an additional charge (for a single optional benefit, if elected)

0.20%3

0.75%3

 

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges.

  1. As a percentage of average daily account value of Investment Divisions.
  2. As a percentage of average Fund net assets.
  3. The minimum fee reflects an annualized percentage of Contract Value. The maximum fee reflects an annualized percentage of the GWB.

LOWEST ANNUAL COST: $616

HIGHEST ANNUAL COST: $2,679

Assumes:

•  Investment of $100,000

•  5% annual appreciation

•  Least expensive combination of Fund fees and expenses

•  No add-on benefits

•  No sales charges or advisory fees

•  No additional purchase payments, transfers, or withdrawals

Assumes:

•  Investment of $100,000

•  5% annual appreciation

•  Most expensive combination of add-on benefits, Fund fees and expenses

•  No sales charges or advisory fees

•  No additional purchase payments, transfers, or withdrawals

 

Transaction Expenses

Maximum Withdrawal Charge

 

None

Transfer Charge (per transfer after 25 in a Contract Year)

 

$25

Premium Taxes (Percentage of each Premium)1

Minimum

0%

Maximum

3.5%

Expedited Delivery Charge2

 

$22.50

Wire Transfers (for withdrawals)3

 

$25

Annual Contract Maintenance Charge4

 

$35

  1. Premium taxes generally range from 0% to 3.5% and vary by state.
  2. Between Monday and Friday, the Expedited Delivery Charge is $10. On Saturday, the Expedited Delivery Charge is $22.50.
  3. Standard wire fees are $20, international wire fees are $25.
  4. This charge is waived on Contract Value of $50,000 or more.  This charge is deducted proportionally from allocations to the Investment Divisions and the Fixed Account either annually (on your Contract Anniversary) or in conjunction with a total withdrawal, as applicable.

JRIA NY Variable Annuity

 

FEES AND EXPENSES

Charges for Early Withdrawals

None.

Transaction Charges

 

In addition to the Core Contract Charge, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds.

Ongoing Fees and Expenses

(annual charges)

The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any advisory fees paid to third party financial professionals from your Contract Value or other assets.  If such advisory fees were reflected, the fees and expenses disclosed below would be higher.

 

ANNUAL FEE

MINIMUM

MAXIMUM

 

1. Base Contract

0.41%1

0.41%1

 

2. Investment options (Fund fees and expenses)

0.22%2

1.71%2

 

3. Optional benefits available for an additional charge (for a single optional benefit, if elected)

0.20%3

0.20%3

 

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges.

 

1As a percentage of average daily account value of Investment Divisions.

2As a percentage of average Fund net assets.

3The minimum and maximum fees reflect an annualized percentage of the average daily net asset value of your allocations to the Investment Divisions. 

 

LOWEST ANNUAL COST: $616

HIGHEST ANNUAL COST: $2,629

Assumes:

•  Investment of $100,000

•  5% annual appreciation

•  Least expensive combination of Fund fees and expenses

•  No add-on benefits

•  No sales charges or advisory fees

•  No additional purchase payments, transfers, or withdrawals

Assumes:

•  Investment of $100,000

•  5% annual appreciation

•  Most expensive combination of add-on benefits, Fund fees and expenses

•  No sales charges or advisory fees

•  No additional purchase payments, transfers, or withdrawals

 

Transaction Expenses

 

Maximum Withdrawal Charge

 

None

Transfer Charge (per transfer after 25 in a Contract Year)

 

$$25

Premium Taxes (Percentage of each Premium)1

Minimum

0%

Maximum

2%

Expedited Delivery Charge2

 

$22.50

Wire Transfers (for withdrawals)3

 

$25

Annual Contract Maintenance Charge4

 

$30

 

  1. Currently, Premium taxes do not apply.
  2. Between Monday and Friday, the Expedited Delivery Charge is $10. On Saturday, the Expedited Delivery Charge is $22.50.
  3. Standard wire fees are $20, international wire fees are $25.
  4. This charge is waived on Contract Value of $50,000 or more.  This charge is deducted proportionally from allocations to the Investment Divisions and the Fixed Account either annually (on your Contract Anniversary) or in conjunction with a total withdrawal, as applicable

 

MarketProtector Advisory Fixed Index Annuity

Maximum Issue Age

85

Maximum Maturity Age

95

Minimum Single Premium

$25,000

Minimum Subsequent Premium

$500 (Permitted in first contract year.)

Indexed Option Periods

5-, 7-, or 10-year periods. Please see your financial professional for options and availability.

Index(es)

Premiums may be allocated in index options offering growth potential or a fixed account option, which offers a competitive fixed interest rate regardless of market performance. Please see your financial professional for options and availability.

Index Interest Crediting Method(s)

Multiple crediting methods offer ways to calculate and lock in potential index-linked interest. You may select any method, or combination of, these methods and have flexibility to change selections and allocations penalty-free at the end of each Indexed Option Year. Please see  your financial professional for options and availability.

Guaranteed Minimum Value

87.5% of premium accumulated at never less than the contract’s guaranteed minimum interest rate (Guaranteed Minimum Value). Credited daily and adjusted for withdrawals. Not subject to add-on benefit charges.

Market Value Adjustment (MVA)

The Company applies an MVA to certain amounts withdrawn or annuitized. The MVA may result in an increase or decrease to amounts removed from your contract.

Cap(s)/Rate(s)

Caps and rates are guaranteed for each Indexed Option Year. Please see your financial professional for options and availability.

Free Withdrawals

Every contract year, you may withdraw up to 10% of the accumulated contract value, free of MVA.

Requirement Minimum Distribution (RMD)

MarketProtector Advisory is required-minimum-distribution-friendly so qualified contracts may not be subject to MVA.

Add-on Lifetime Income Benefit

Add IncomeAccelerator® to receive a Lifetime CheckSM - Single life annual charge: 1.10%, Joint life annual charge: 1.25%.  The total annual charges are calculated based on the Accumulation Value after interest is credited on the Indexed Option Anniversary.  Jackson reserves the right to prospectively increase the charge on each fifth Indexed Option Anniversary up to 0.20%, subject to a maximum annual charge of 2.20% (2.50% for joint life options). If the charge percentage is increased, a notice will be sent prior to the Indexed Option Anniversary.

Please see your financial professional for options and availability.

Preselected Death Benefit

Before the income date, this allows you to select how the death benefit will be paid to your beneficiaries. Please see your financial professional for options and availability.

 

Jackson Market Link Pro Advisory RILA

Contract

Individual single premium deferred registered index-linked annuity contract

Minimum Premium

$25,000

Issue Ages

0 - 85

Contract Value

The sum of the Fixed Account Value and the Index Account Value.

Index Account Options

Each Index Account Option is defined by an Index, a Crediting Method, a Protection Option, and a Term length. The Crediting Method and Protection Option you choose define the parameters under which the positive or negative Index Adjustment will be credited.

Index Account Option Term

Terms currently available under the Contract are 1 and 6 years in length.

Index

The Indexes currently offered under the Contract are:

 

- S&P 500 Index

- Russell 2000 Index

- MSCI EAFE Index

- MSCI Emerging Markets Index

- MSCI KLD 400 Social Index

Crediting Method

The Crediting Methods currently offered under the Contract are:

 

- Cap

- Performance Trigger

Protection Options

The Protection Options currently offered under the Contract are:

 

- Buffer

- Floor

Fixed Account

A Contract Option which provides a declared amount of interest over a stated period.

Interim Value

The daily value of your Index Account Option on any given Business Day prior to the end of an Index Account Option Term. The Interim Value is calculated using prorated Index Adjustment Factors based on the elapsed portion of the Index Account Option Term and the Interim Value Proration Factor.

Transfers

You may request a transfer to or from the Fixed Account and to or from the Index Account Options. You may also request transfers among the available Index Account Options. Transfers among Index Account Options or between Index Account Options and the Fixed Account are permissible only at the end of the Index Account Option Term or Fixed Account term. The effective date of such transfers is the first day of the Fixed Account term and/or an Index Account Option Term into which a transfer is made.

Access to Your Money

You may withdraw some or all of your money at any time prior to the Income Date. For any withdrawal from an Index Account Option, an Interim Value adjustment as of the date of the withdrawal will apply and may substantially reduce your Index Account Option Value. In addition, a withdrawal taken in excess of the MVA Free Withdrawal amount may be subject to a Market Value Adjustment.

Market Value Adjustment

A positive or negative adjustment applied to withdrawals from Index Account Options in excess of the MVA Free Withdrawal amount.

 

Market Value Adjustments apply during the first six years of the Contract.

For more information about Market Value Adjustments, including details about certain withdrawals that are exempt from Market Value Adjustments, please see the subsection titled “Market Value Adjustment" in the section titled "Index Account" in the prospectus.

Death Benefit

For Owners 75 or younger at the Issue Date of the Contract, the standard death benefit (known as the Return of Premium death benefit) is the greater of the Contract Value or the Premium you paid into the Contract (reduced proportionately by the percentage reduction in the Index Account Option Value and the Fixed Account Value for each partial withdrawal (including any applicable Market Value Adjustment)).

 

For Owners age 76 or older at the Issue Date of the Contract, the standard death benefit is the Contract Value.

Income Options

You can choose to begin taking income from your Contract at any time, but all of the Contract Value must be annuitized. Market Value Adjustments will apply if you begin taking income in the first six years, and we will use your Interim Value (if you begin taking income on any day other than the Index Account Option Term Anniversary) to calculate your income payments. You may choose from the following annuitization options:

 

- Life Income

- Joint Life and Survivor Income

- Life Income with Guaranteed Payments for 10 Years or 20 Years

- Life Income for a Specified Period

 

Once an income option has been selected, and payments begin, the income option may not be changed. No withdrawals will be permitted once the contract is in the income phase.  For more information about income options, please see the section titled "Income Options" in the prospectus.

Charges and Expenses

You will bear the following charges and expenses:

 

- Premium and Other Taxes.

Free Look Provision

You may cancel the Contract within a certain time period after receiving it by returning the Contract to us or to the financial professional who sold it to you. This is known as a “Free Look.” We will return either your Premium Payment or Contract Value, depending on your state, and we will not deduct any fees or charges.

Elite Access Advisory II Variable Annuity

 

 

FEES AND EXPENSES

Charges for Early Withdrawals

None.

Transaction Charges

 

You may be charged for certain transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds.

Ongoing Fees and Expenses

(annual charges)

The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any advisory fees paid to third party financial professionals from your Contract Value or other assets.  If such advisory fees were reflected, the fees and expenses disclosed below would be higher.

 

ANNUAL FEE

MINIMUM

MAXIMUM

 

1. Base Contract

0.11% 1

0.11% 1

 

2. Investment options (Fund fees and expenses)

0.52%2

2.01%2

 

3. Optional benefits available for an additional charge (for a single optional benefit, if elected)

0.20%3

0.35%3

 

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges.

 

1Charge is assessed as a $240 annual charge during the accumulation phase only and is deducted on each Contract Monthly Anniversary.

2As a percentage of average Fund net assets.

3The minimum fee reflects an annualized percentage of Contract Value. The maximum fee reflects an annualized percentage of average daily account value of Investment Divisions.

 

LOWEST ANNUAL COST: $616

HIGHEST ANNUAL COST: $2,097

Assumes:

• Investment of $100,000

• 5% annual appreciation

• Least expensive combination of Fund fees and expenses

• No add-on benefits

• No sales charges or advisory fees

• No additional purchase payments, transfers, or withdrawals

Assumes:

• Investment of $100,000

• 5% annual appreciation

• Most expensive combination of add-on benefits, Fund fees and expenses

• No sales charges or advisory fees

• No additional purchase payments, transfers, or withdrawals

 

Transaction Expenses

 

Maximum Withdrawal Charge

 

None

Transfer Charge (per transfer after 25 in a Contract Year)

 

$25

Premium Taxes (Percentage of each Premium)1

Minimum

0%

Maximum

3.5%

Expedited Delivery Charge2

 

$22.50

Wire Transfers (for withdrawals)3

 

$25.00

 

1Premium taxes generally range from 0% to 3.5% and vary by state.

2Between Monday and Friday, the Expedited Delivery Charge is $10. On Saturday, the Expedited Delivery Charge is $22.50. 

Standard wire fees are $20, international wire fees are $25.

 

Elite Access Advisory II NY Variable Annuity

 

 

FEES AND EXPENSES

Charges for Early Withdrawals

 

None.

Transaction Charges

 

In addition to a monthly contract charge of $20 a month during the accumulation phase, you also may be charged for other transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds.

Ongoing Fees and Expenses

(annual charges)

The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any advisory fees paid to third party financial professionals from your Contract Value or other assets.  If such advisory fees were reflected, the fees and expenses disclosed below would be higher.

 

ANNUAL FEE

MINIMUM

MAXIMUM

 

1. Base Contract

0.11%1

0.11%1

 

2. Investment options (Fund fees and expenses)

0.52%2

2.01%2

 

3. Optional benefits available for an additional charge (for a single add-on benefit, if elected)

0.20%3

0.20%3

 

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges.

 

1Charge is assessed during the accumulation phase only and is deducted on each Contract Monthly Anniversary.

2As a percentage of average Fund net assets.

3The minimum and maximum fees reflect an annualized percentage of Contract Value.

 

LOWEST ANNUAL COST: $616

HIGHEST ANNUAL COST: $2,097

Assumes:

•  Investment of $100,000

•  5% annual appreciation

•  Least expensive combination of Fund fees and expenses

•  No add-on benefits

•  No sales charges or advisory fees

•  No additional purchase payments, transfers or withdrawals

Assumes:

•  Investment of $100,000

•  5% annual appreciation

•  Most expensive combination of add-on benefits, Fund fees and expenses

•  No sales charges or advisory fees

•  No additional purchase payments, transfers or withdrawals

 

Transaction Expenses

 

Maximum Withdrawal Charge

 

None

Transfer Charge (per transfer after 25 in a Contract Year)

 

$25

Premium Taxes (Percentage of each Premium)1

Minimum

0%

Maximum

2.0%

Expedited Delivery Charge2

 

$22.50

Wire Transfers (for withdrawals)3

 

$25

 


1Currently, Premium taxes do not apply.

2Between Monday and Friday, the Expedited Delivery Charge is $10. On Saturday, the Expedited Delivery Charge is $22.50.

 

Jackson RateProtector Fixed Annuity

 

Product Features

Minimum Premium

$10,000 (nonqualified and qualified. More than $1,000,000 is subject to Company approval. Subsequent premiums not allowed.

Maximum Issue Age

Up to age 85.

Interest Rate Guarantees2

3-, 5-, or 7-year options initial interest rate applies until the end of the initial Guaranteed Option Period. Following the initial Guaranteed Option Period, renewal interest rates will be guaranteed for one-year periods.

Withdrawal Charges3

Completed years since receipt of Premium

0

1

2

3

4

5

6

7+

3-Year Option

8%

8%

7%

0%

0%

0%

0%

0%

5-Year Option

8%

8%

7%

6%

5%

0%

0%

0%

7-YearOption

8%

8%

7%

6%

5%

4%

3%

0%

Withdrawal charges as a percentage of premium and interest credited on such premium.

Free Withdrawals3,4

Every contract year, you may withdraw up to 10% of the accumulated contract value, free of withdrawal charges and Market Value Adjustment.

Market Value Adjustment (MVA)5

The Company applies an MVA to certain amounts withdrawn or annuitized. The MVA may result in an increase or decrease to amounts removed from your contract. State variations may apply.

Terminal Illness Waiver6

Effective on the first Contract Anniversary, if you (or a joint owner) are diagnosed with a medical condition expected to result in death within 12 months, you may withdraw (one time only) up to 100% of your accumulated contract value subject to a maximum withdrawal of $250,000, without incurring a withdrawal charge. State variations may apply.

Extended Care Waiver7

Effective on the first Contract Anniversary, if you (or a joint owner) are by medical necessity confined to nursing home or hospital for 90 consecutive days, you may withdraw (one time only) up to 100% of the accumulated contract value subject to a maximum withdrawal of $250,000, without incurring a withdrawal charge. State variations may apply.

Preselected Death Benefit8

Before the income date, allows you to select how the death benefit will be paid to your beneficiaries. Available on nonqualified and IRA contracts only. State variations may apply.

Death Benefit Prior to the Income Date

Accumulated contract value. State variations may apply.

Higher Interest Crediting9

Subject to certain limitations and restrictions, a higher interest rate may be credited to premium of $100,000 or greater.

Qualified Plans1

Yes. IRA transfers, rollovers, Keogh, SEP-IRA, 401(k), 403(b), pension, and profit sharing.

RMD-Friendly?10

Yes, Jackson RateProtector is required-minimum-distribution friendly so qualified contracts may not be subject to withdrawal charges or MVA.

 

1Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA and may not be available if the annuity is owned by a “non-natural person” such as a corporation or certain types of trusts.

2The Guaranteed Option Rate is the interest rate that is credited to the contract on an annual basis. The initial Guaranteed Option Rate is fixed and will not change for the initial Guaranteed Option Period. At the end of the initial Guaranteed Option Period, the funds will automatically renew into a 1-Year Guaranteed Option Period on an annual basis. The initial Guaranteed Minimum Interest Rate (GMIR) is determined when the contract is issued and guaranteed for the initial Guaranteed Option Period. The GMIR may range from a minimum of 1% to 3% annually. The Guaranteed Option Rate and GMIR will be re-determined for each 1-Year Guaranteed Option Period following the expiration of the initial Guaranteed Option Period.

3During the first Contract Year, 10% of the premiums paid may be taken free of Withdrawal Charges and MVA. In subsequent years, 10% of the Accumulation Value determined at the beginning of the Contract Year may be taken free of Withdrawal Charges and MVA. If a requested partial withdrawal plus the sum of all prior withdrawals within a Contract Year exceeds the greater of the 10% of the Accumulation Value (determined at the beginning of the Contract Year), the amount of the partial withdrawal requested in excess of the free amount will be subject to Withdrawal Charges and MVA. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59 ½.

4During the initial Guaranteed Option Period, the Withdrawal Value for a Total Withdrawal from the Contract is equal to the Accumulation Value less any applicable Withdrawal Charge, and then adjusted for any applicable MVA. In no event will a Total Withdrawal during the initial Guaranteed Option Period be less than 87.5% of the Premium, net of applicable taxes, reduced by partial withdrawals (after being reduced for any applicable Withdrawal Charges and then adjusted for any applicable MVAs), accumulated at the initial Guaranteed Minimum Interest Rate (GMIR). After the expiration of the initial Guaranteed Option Period, no withdrawal charge or MVA will apply.

5The MVA will be calculated by multiplying the amount removed from a Guaranteed Option Period by the result of the formula listed in the contract pages. The Accumulation Value is equal to the total premium, plus interest credited daily at never less than the applicable GMIR guaranteed for the contract per annum, less any gross partial withdrawals.

6Effective on the first Contract Anniversary, if you or your joint owner is diagnosed with a terminal illness, you may access up to 100% of your Accumulation Value free of withdrawal charges. The Terminal Illness Waiver is subject to a maximum of $250,000 for all company contracts. State variations may apply. Market Value Adjustment may apply to amounts withdrawn.

7Effective on the first Contract Anniversary, if you or your joint owner is confined to a nursing home or hospital for 90 consecutive days by medical necessity, you may access up to 100% of the Accumulation Value free of withdrawal charges. The Extended Care Waiver is subject to a maximum of $250,000 for all company contracts. The Company reserves the right to require proof of confinement. State variations may apply. Not available in Massachusetts. Market Value Adjustment may apply to amounts withdrawn.

8Preselected death benefit election available prior to the income date for nonqualified and IRA contracts only.

9Subject to certain limitations and restrictions. A higher interest rate may be credited to premium of $100,000 or greater. 

10Withdrawals requested in accordance with RMD requirements will be free of Withdrawal Charges and MVAs. However, if the Owner requests an amount greater than the RMD for their Contract, the amount withdrawn in excess of the RMD will be subject to Withdrawal Charges and MVA.

 

Jackson RateProtector NY Fixed Annuity

 

Product Features

Minimum Premium

$10,000 (nonqualified and qualified. More than $1,000,000 is subject to Company approval. Subsequent premiums not allowed.

Maximum Issue Age

Up to age 85.

Interest Rate Guarantees2

3-, 5-, or 7-year options initial interest rate applies until the end of the initial Guaranteed Option Period. Following the initial Guaranteed Option Period, renewal interest rates will be guaranteed for one-year periods.

Withdrawal Charges3

Completed years since receipt of Premium

0

1

2

3

4

5

6

7+

3-Year Option

7%

6%

5%

0%

0%

0%

0%

0%

5-Year Option

7%

6%

5%

4%

3%

0%

0%

0%

7-YearOption

7%

6%

5%

4%

3%

2%

1%

0%

Withdrawal charges as a percentage of premium and interest credited on such premium.

Free Withdrawals3,4

Every contract year, you may withdraw up to 10% of the accumulated contract value, free of withdrawal charges and Market Value Adjustment.

Market Value Adjustment (MVA)5

The Company applies an MVA to certain amounts withdrawn or annuitized. The MVA may result in an increase or decrease to amounts removed from your contract.

Extended Care Waiver6

Effective on the first Contract Anniversary, if you (or a joint owner) are by medical necessity confined to nursing home or hospital for 90 consecutive days, you may withdraw (one time only) up to 100% of the accumulated contract value subject to a maximum withdrawal of $250,000, without incurring a withdrawal charge.

Preselected Death Benefit7

Before the income date, allows you to select how the death benefit will be paid to your beneficiaries. Available on nonqualified and IRA contracts only. 

Death Benefit Prior to the Income Date

Accumulated contract value.

Higher Interest Crediting8

Subject to certain limitations and restrictions, a higher interest rate may be credited to premium of $100,000 or greater.

Qualified Plans1

Yes. IRA transfers, rollovers, Keogh, SEP-IRA, 401(k), 403(b), pension, and profit sharing.

RMD-Friendly?9

Yes, Jackson RateProtector is required-minimum-distribution friendly so qualified contracts may not be subject to withdrawal charges or MVA.

 

1Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA and may not be available if the annuity is owned by a legal entity such as a corporation or certain types of trusts.

2The Guaranteed Option Rate is the interest rate that is credited to the contract on an annual basis. The initial Guaranteed Option Rate is fixed and will not change for the initial Guaranteed Option Period. At the end of the initial Guaranteed Option Period, the funds will automatically renew into a 1-Year Guaranteed Option Period on an annual basis. The initial Guaranteed Minimum Interest Rate (GMIR) is determined when the contract is issued and guaranteed for the initial Guaranteed Option Period. The GMIR may range from a minimum of 1% to 3% annually. The Guaranteed Option Rate and GMIR will be re-determined for each 1-Year Guaranteed Option Period following the expiration of the initial Guaranteed Option Period.

3During the first Contract Year, 10% of the premiums paid may be taken free of Withdrawal Charges and MVA. In subsequent years, 10% of the Accumulation Value determined at the beginning of the Contract Year may be taken free of Withdrawal Charges and MVA. If a requested partial withdrawal plus the sum of all prior withdrawals within a Contract Year exceeds the greater of the 10% of the Accumulation Value (determined at the beginning of the Contract Year), the amount of the partial withdrawal requested in excess of the free amount will be subject to Withdrawal Charges and MVA. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59 ½.

4During the initial Guaranteed Option Period, the Withdrawal Value for a Total Withdrawal from the Contract is equal to 100% of your premium payment (less any prior withdrawals and applicable charges), accumulated at the initial GMIR. After the expiration of the initial Guaranteed Option Period, no withdrawal charge or MVA will apply.

5The MVA will be calculated by multiplying the amount removed from a Guaranteed Option Period by the result of the formula listed in the contract pages. The Accumulation Value is equal to the total premium, plus interest credited daily at never less than the applicable GMIR guaranteed for the contract per annum, less any gross partial withdrawals.

6Effective on the first Contract Anniversary, if you or your joint owner is confined to a nursing home or hospital for 90 consecutive days by medical necessity, you may access up to 100% of the Accumulation Value free of withdrawal charges. The Extended Care Waiver is subject to a maximum of $250,000 for all company contracts. The Company reserves the right to require proof of confinement. State variations may apply. MVA may apply to amounts withdrawn.

7Preselected death benefit election available prior to the income date for nonqualified and IRA contracts only.

8Subject to certain limitations and restrictions. A higher interest rate may be credited to premium of $100,000 or greater.

9Withdrawals requested in accordance with RMD requirements will be free of Withdrawal Charges and MVAs. However, if the Owner requests an amount greater than the RMD for their Contract, the amount withdrawn in excess of the RMD will be subject to Withdrawal Charges and MVA.

Conflicts of interest

We have identified conflicts of interest (“conflicts”) that relate to our relationship with you and the services we provide. A conflict is an economic or non-economic benefit that has the potential to incentivize us or our financial professional to put our interest or the financial professionals’ interest above your interests. We will disclose and attempt to mitigate these conflicts of interest to ensure that your best interests and invest objectives are met. The following three potential conflicts of interest are the most relevant and impactful to our customers.

Conflicts for both our firm and our financial professionals

Product/Asset Management: We sell Jackson products for which JNAM is the advisor. JNAM also serves as the administrator for some sub-accounts. JNLD and JNAM are both subsidiaries of Jackson National Life Insurance Company and have the same ultimate parent company, Jackson Financial Inc. This mutual relationship between the firms could influence us or our financial professionals to put greater emphasis on subaccounts advised by an affiliated company. JNAM also earns fees from the variable annuity contract values that are invested in its various sub-accounts. 

Conflicts for our financial professionals

Outside business activities: Some of our financial professionals engage in business activity outside the scope of their relationship with us. If your financial professional engages in an outside business activity, the activity may take away from, or in instances compromise, their responsibility to you. You may research any outside business activities your financial professional may have on FINRA’s BrokerCheck website at https://BrokerCheck.finra.org.

Conflicts for our firm alone

Proprietary products: We only offer products and services issued by Jackson.  Similar products from other carriers are not considered as part of our recommendation.  In addition, Jackson or its affiliates are paid a fee on these products, and JNLD wholesalers (such as the individuals who market Jackson’s services to registered investment advisers) are paid based on the sale of Jackson products.  These fees are not paid by you and the individuals who recommend Jackson products are not paid sales-based compensation

Jackson revenue: Jackson makes money from add-on benefits on the product sold to retail customers through the Independent Registered Investment Advisor channel. Because of Jackson’s and JNLD’s shared services model the cost of recommending add-on benefits is advantageous to both Jackson and JNLD.

Additional information

Disclosure related to our Firm and financial professionals can be found on https://BrokerCheck.finra.org. For even more information about our financial professionals, customers may also visit: https://www.investor.gov/CRS.

All of Jackson’s entities’ forms and filings with the Securities and Exchange Commission can be found through searching “Jackson National” on https://SEC.gov.

Additional information

These Privacy Practices are effective as of January 1, 2014. We reserve the right to modify this statement at any time and will post the current privacy statement incorporating those changes on this page. Changes to this statement are effective as of the date they are posted.

Confidentiality provisions for victims of domestic violence

New York Insurance Law section 2612 prohibits any insurer from discriminating against an individual who has been a victim of domestic violence. Any individual or an individual under the care of another who has a policy with Jackson National Life Insurance Company of New York and is a victim of domestic violence and has obtained a valid order of protection against the policy or contract owner may contact us to provide an alternative address and/or telephone number.

To request confidentiality in accordance with the provisions of this regulation, please send us the order of protection against the policy or contract owner and complete the appropriate form:

  • For policies issued by Jackson National Life and Brooke Life Insurance Company, please use form X2612, which is available by searching for this form number in the Forms Search utility.
  • For policies issued by Jackson National Life Insurance Company of New York, please use form N2612, which is available by searching for this form number in the Forms Search utility.
  • For policies issued by Security Life of Denver (ING/Voya), please use form SLD2612, which is available by searching for this form number in the Forms Search utility.

 

Please send the completed form, along with the order of protection, to the following address:

Jackson National Life Insurance Company of NY
Attention Policy Owner Services
PO Box 30900
Lansing, MI 48909-8400

 

If you have any questions or need to revoke the existing request, please contact us.

If you are a victim of domestic violence, you may contact the New York State Domestic and Sexual Violence Hotline at (800) 942-6906.

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).