Introduction

Guaranteed Choices For Long-term Planning. Finding a conservative retirement product with guarantees that allow you to prepare for retirement with confidence can be an important part of your long-term needs.

The MAX family of fixed annuities offers a 6-year withdrawal schedule and the choice to receive a first year bonus. In addition, your clients can choose a MAX product that has an excess interest adjustment* or one without. Discuss the options with your financial professional to find the product that's right for you.

What is an Annuity? An annuity is a long-term, tax-deferred vehicle designed for retirement. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before
age 59½.

Why the MAX Family?

Fixed annuities offer four important elements that can help you grow your retirement future; preservation of principal,^† competitive interest rates,^‡ guaranteed retirement income options and death benefit protection. The MAX family gives you the flexibility to choose additional options to suit your goals.

Preservation of Principal — Keep your nest egg whole without worrying about the volatility of the market. The MAX family are fixed annuities providing protection with a fixed rate of interest on your money. Assuming you do not take withdrawals, your money is guaranteed to grow every year.

Competitive Interest Rates — You may elect to have your initial interest rate guaranteed for 1, 3, or 5 years. After that, the interest rate is guaranteed to never fall below the contract's declared guaranteed minimum interest rate.^§ If you elect the 3-year or 5-year guarantee period, the rate credited to your contract will be lower than if the extended guaranteed period had not been selected. The 3- and 5-year extended guarantee periods may not be available in all states and are subject to availability.

Guaranteed Retirement Income Options — You may elect to convert your contract value into a stream of income using one of several available options, including an income option that provides monthly payments for life. The Latest Income Date allowed under the contract is the owner's age 95, which is the required age to annuitize or take a lump sum.

Death Benefit Protection — Your entire accumulated value will be paid to your beneficiaries, who can elect to receive their benefits in a lump sum or series of payments. Or, if you prefer, you can preselect how the death benefit will be paid to your beneficiaries (available with nonqualified and IRA contracts only).

Guarantees are backed by the claims paying ability of Jackson National Life Insurance Company^®.

^*An excess interest adjustment (plus or minus) applies during the withdrawal charge period on amounts withdrawn in excess of the free withdrawal amount.

^†During the withdrawal charge period, the annuity's cash withdrawal value may be less than the principal allocation.

^‡Interest credited daily. Interest rate(s) in subsequent years may be less. The initial interest rate credited to the 3- and 5-year extended guaranteed periods will be lower than that credited to a contract with a 1-year interest rate guaranteed period. For the remaining years of an extended guaranteed period, the interest rate credited will remain fixed and may be higher or lower than that credited to contracts where an extended guaranteed period was not selected. Additional premium will be credited with interest rates in effect at the time premium is received, and the interest rate will be guaranteed for the same period as selected at the time of purchase. Availability of extended guarantee periods is subject to change.

^§The guaranteed minimum interest rate will be declared each calendar year and will fall between 1%-3%. Once a contract is issued, the guaranteed minimum interest rate will not change.