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Fixed Annuities

Jackson® fixed annuities provide a broad range of guaranteed choices and benefit options for an additional fee. Work with your financial professional to choose a fixed product that suits your long-term financial objectives.


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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before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

Fixed Annuities

Product Summary Initial Premium Excess Interest Adjustment First Year
Additional Interest
Guaranteed Interest Rate Options Annuitization Credit Death Benefit Options Withdrawal Benefits
MAX fixed annuities are designed for clients with a shorter retirement time horizon. They provide preservation of principal, death benefit protection, guaranteed retirement income options and competitive interest rates. The MAX family gives you options to choose a product that fits your needs while your earnings grow tax deferred.

Contract form numbers: A700, A710A, A720B, A730C

  • $5,000 Nonqualified
  • $2,000 Qualified
Yes (MAX XL®, MAX One XL)
No (MAX, MAX One)
Yes (MAX One, MAX One XL)
No (MAX, MAX XL)
Standard 1 Year
Optional Extended guarantee periods of 3 or 5 years (subject to availability)
No
  • Preselected Death Benefit Option (nonqualified and IRA contracts only)
  • EarningsMax®*
  • Six-year withdrawal charge schedule
  • Annual free withdrawal 15% (MAX, MAX XL)
  • Annual free withdrawal 10% (MAX One, MAX One XL)
  • Extended Care Benefit (MAX, MAX XL)
  • Terminal Illness Benefit
BonusMAX fixed annuities offer preservation of principal, guaranteed retirement income options, tax-deferred growth and competitive interest rates. A first-year additional interest rate helps to boost your annuity's accumulated value.

Contract form number: A730C

  • $5,000 Nonqualified
  • $2,000 Qualified
Yes Yes Standard 1 Year
Optional Extended guarantee periods of 3 or 5 years (subject to availability)
Yes (BonusMAX, BonusMAX Two)
No (BonusMAX One)
  • Preselected Death Benefit Option (nonqualified and IRA contracts only)
  • EarningsMax*
  • Nine-year withdrawal charge schedule
  • Annual free withdrawal 15% (BonusMAX, BonusMAX Two)
  • Annual free withdrawal 10% (BonusMAX One)
  • Accelerated Benefit (BonusMAX, BonusMAX Two)
  • Extended Care Benefit
  • Terminal Illness Benefit
For those who are concerned about early excess withdrawals from their account, the Action Family offers products to consider. In addition, these annuities offer preservation of principal, death benefit protection, guaranteed retirement income options and competitive interest rates, with a first-year additional interest rate to help boost your annuity's accumulated value.

Contract form numbers: A720B, A720BNY, A740BPNY

  • $5,000 Nonqualified
  • $2,000 Qualified
No Yes Standard 1 Year
Optional Extended guarantee periods of 3 or 5 years (subject to availability)
Yes (Action, Action Two)
No (Action One, Action 7, NY Action, NY Action 200)
  • Preselected Death Benefit Option (nonqualified and IRA contracts only)
  • EarningsMax*
  • Nine-year withdrawal charge schedule (Seven-year for Action 7)
  • Annual free withdrawal 15% (Action, Action Two)
  • Annual free withdrawal 10% (Action One, NY Action, NY Action 200, Action 7)
  • Accelerated Benefit (Action, Action Two)
  • Extended Care Benefit (Not available on Action 7 or NY Action 200)
  • Terminal Illness Benefit (Not available on Action 7, NY Action or NY Action 200)
SuperMAX fixed annuities offer a higher renewal interest rate. They also provide preservation of principal, death benefit protection, guaranteed retirement income options and competitive interest rates to keep your annuity's accumulated value growing.

Contract form numbers: A700, A710A

  • $5,000 Nonqualified
  • $2,000 Qualified
Yes (SuperMAX XL)
No (SuperMAX)
No Standard 1 Year
Optional Extended guarantee periods of 3 or 5 years (subject to availability)
Yes
  • Preselected Death Benefit Option (nonqualified and IRA contracts only)
  • EarningsMax*
  • Nine-year withdrawal charge schedule
  • Annual free withdrawal 15%
  • Accelerated Benefit
  • Extended Care Benefit
  • Terminal Illness Benefit
If you need dependable and predictable income sooner, rather than later, an immediate annuity provides a steady income stream beginning within one year.

Contract form numbers: IA300, IAL-NY 2/99

  • $5,000
No No No No No
  • Life Income
  • Life with Period Certain
  • Life with Installment Refund
  • Life with Cash Refund
  • Joint Life and Survivor
  • Joint Life and Specified Survivor
  • Joint Life and Survivor with Period Certain
  • Period Certain
  • Benefit Certain
  • Five Year Interest Only
(Subject to availability and age restrictions)

*Jackson's earnings protection benefit, EarningsMax, offers an optional additional death benefit. For owners of contracts issued up to age 69, EarningsMax will pay your beneficiaries an additional 40% of the contract earnings (earnings not to exceed a maximum of 100% of premium payments, excluding subsequent premium less than 12 months old and adjusted for withdrawals). For owners aged 70-75 at issue, EarningsMax is calculated at 25% of contract earnings (earnings not to exceed a maximum of 100% of premium payments, excluding subsequent premium less than 12 months old and adjusted for withdrawals). EarningsMax is not available if the owner is older than age 75 on the date of issue. Election of this benefit will result in credited interest rate(s) of 0.20% less than the annual credited interest rate(s) that would apply to your accumulated value if EarningsMax had not been elected. EarningsMax can only be elected at the time of issue and, once elected, is irrevocable. Not available in all states and availability of the EarningsMax option is subject to change.

Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k), or an 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.

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Fixed annuities are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York). Subsequent premium may be restricted in some states. These products may not be available in all states and state variations may apply. These contracts have limitations and restrictions, including withdrawal charges and possible excess interest adjustments. Jackson issues other annuities with similar features, benefits, limitations and charges. Contact Jackson for more information.

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 the 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. Subsequent premium may be restricted in some states.

Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York.

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

• Not FDIC/NCUA insured • Not bank/CU guaranteed • May lose value •
Not a deposit • Not insured by any federal agency

CMF16069 07/16

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Jackson National Life Insurance Company
1 Corporate Way
Lansing, MI 48951