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MarketProtector Advisory®

Benefit Options

Protection For Your Longevity. Many people are living longer, healthier lives, which brings new challenges. Adding an add-on Lifetime Income Benefit to your contract for an additional charge can provide guaranteed income while still giving you the flexibility to meet your changing needs.

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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before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

IncomeAccelerator® - Income That Will Last As Long As You Do

IncomeAccelerator guarantees income every year for as long as you live. The Lifetime Annual Income Payment (LAIP)* you receive is based on your age when you elect the benefit and how long you wait before you start receiving income. The additional amount you may receive is based on Annual Deferral Credits.

IncomeAccelerator offers:

  • Guaranteed lifetime income that increases the longer you delay starting payments
  • Opportunities for growth to increase annual income
  • Flexibility to start and stop withdrawals as your needs change
  • A joint option to provide these guarantees to you and another life
Are You Financially Prepared For a Longer Life?

A person retiring at age 60 could run out of money too soon because savings and investments (excluding pensions) may not last throughout their lifetime.

Average Years in Retirement Starting at 60

Hypothetical average years spent in retirement infographic.

Content on this chart is based on Jackson calculations of information from: Social Security Administration, Life Expectancy Calculator, as of March 19, 2019.

*The LAIP percentage is based on the oldest owner's age on the initiation date. The LAIP percentage is determined at the earlier of: a) upon election of the life income of the LAIP income option, or b) the date the contract value reduces to zero.

The LAIP percentage increases with Annual Deferral Credits for each year the Owner defers the activation of income payments, up to the end of the Deferral Credit Period or until the Owner reaches age 85. The percentage increase applied is determined based on the Owner's age upon election of the benefit. These increases are not affected by partial withdrawals. The number of Annual Deferral Credit years increases by one (1) on each Indexed Option Anniversary, subject to the annual Deferral Credit Period Maximum shown on the supplemental Contract data pages.

The LAIP percentage is based on the younger of the covered lives' age on the initiation date. The LAIP percentage is determined at the earlier of: a) upon election of the life income of the LAIP income option, b) the date the contract value reduces to zero, or c) spousal continuation of the contract and benefit by a covered life.

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

Planning Calculators
Calculator with pen and pie chart

Use these calculators to help you create a retirement plan that suits your long-term goals.

Understanding Annuities
Cup of coffee with pen and bar graphs

Examine the potential benefits of fixed index annuities (FIAs) as part of a balanced, long-term portfolio plan.

Build a Foundation

Partner with a professional to help pursue your long-term financial goals.

Fixed index annuities are not available in New York.

Fixed index annuities are also known as fixed annuities with index-linked interest.

MarketProtector Advisory Individual Modified Single Premium Deferred Fixed Annuity With Index-Linked Interest Option and Market Value Adjustment (contract form numbers FIA265, ICC19 FIA265) is issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC. This product is a fixed annuity that does not participate in any stock or equity investments and has limitations and restrictions, including market value adjustments (may not be applicable in all states). During the Indexed Option Period the annuity's cash withdrawal value may be less than the initial premium. Additional premium is permitted in the first contract year. For costs and complete details, contact your representative or the Company.

The design of this annuity contract emphasizes the protection of credited interest rather than the maximization of interest rate crediting. Jackson issues other annuities with similar features, benefits, limitations and charges. Discuss them with your representative or contact Jackson for more information. Fixed index annuities may not be suitable for everyone.

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

CMI19840BO 10/19

© 2020. All rights reserved
Jackson National Life Insurance Company
1 Corporate Way
Lansing, MI 48951