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Jackson RateProtectorSM

Product Details

Contract Specifications

Ages and Amounts:
  • Maximum issue age: 85
  • Minimum premium: $10,000 (qualified and nonqualified)
  • Maximum annuitization age: 95
Interest Rate Guarantee:
  • Each Guaranteed Option Period will have a specific interest rate guaranteed for the entire Guaranteed Option Period. Following the initial Guaranteed Option Period, renewal interest rates will be guaranteed for one-year periods.
Withdrawal Charges:
  • 3 years — 8%, 8%, 7%
  • 5 years — 8%, 8%, 7%, 6%, 5%
  • 7 years — 8%, 8%, 7%, 6%, 5%, 4%, 3%

Standard Benefits

  • Extended Care Waiver: After the first contract anniversary, if you (or a joint owner) are by medical necessity confined to a nursing home or hospital for 90 consecutive days, you may withdraw (one time only) up to 100% of the accumulated contract value without incurring a withdrawal charge.*
  • Terminal Illness Waiver: After 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 without incurring a withdrawal charge.
  • Death Benefit: Guaranteed death benefits for family protection, with options to preselect an income stream for your beneficiaries.
  • Withdrawals: Every contract year, you may withdraw up to 10% of the accumulated contract value, free of withdrawal charges and market value adjustments, if applicable.

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

*The Extended Care Waiver is subject to a maximum of $250,000. State variations may apply. Market value adjustments may apply.

The Terminal Illness Waiver is subject to a maximum of $250,000. State variations may apply. Market value adjustments may apply.

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

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The Jackson RateProtector Single Premium Deferred Fixed Annuity with Market Value Adjustment (contract form numbers A520, ICC19 A520) is issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan). These products may not be available in all states and state variations may apply. These contracts have limitations and restrictions, including withdrawal charges and market value adjustment. Jackson issues other annuities with similar features, benefits, limitations and charges. Contact Jackson for more information.

Jackson® is the marketing name for Jackson National Life Insurance Company®.

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

CMF22270PD 06/19

© 2019. All rights reserved
Jackson National Life Insurance Company
1 Corporate Way
Lansing, MI 48951