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MarketProtector Advisory®

Product Details

Contract Specifications

Ages and Amounts:
  • Maximum issue age: 85
  • Minimum initial premium: $25,000 (qualified and nonqualified)
  • Maximum annuitization age: 95*
  • $500 minimum additional premium (only allowed in the first contract year)
Index Options:
  • S&P 500® Index
  • MSCI EAFE Index
Crediting Methods:
  • Annual Reset Point to Point Cap
  • Annual Reset Point to Point Performance Trigger
  • Annual Reset Point to Point Participation Rate with Spread
Fixed Account Option:
  • When you open a MarketProtector Advisory contract, 100% of your premium begins to earn interest in the fixed account. On the first Friday after the contract is issued, that premium, including any interest earned, is transferred into the Indexed Option(s) of your choice. However, you may choose to leave all or a portion of your premium in the fixed account.§ You also have the option to move premium back into the fixed account on the Indexed Option Anniversaries.
Market Value Adjustment (MVA) Rates

Current MVA Reference Rate — 2.41% as of 01/16/2020

Uses the yield to maturity of the Bloomberg Barclays US Intermediate Corporate Bond Index.

Historical MVA Reference Rate Values
Historical MVA Reference Rates

Standard Benefits

  • Guaranteed Minimum Value: The Guaranteed Minimum Value earns between 1%-3% annual growth, declared at contract issue, on 87.5% of your premium adjusted for withdrawals. However, because Jackson's MarketProtector Advisory guarantees the contract's ending value is never less than the initial premium (assuming no withdrawals or add-on benefit charges), you would receive no less than your initial premium at the end of the Indexed Option Period.
  • Guaranteed Death Benefit: In the event of your death, your beneficiaries will receive the Contract Value. They may elect a lump sum payment or a guaranteed life income. If you prefer, you may specify your beneficiaries' payout option in advance. (Preselected Death Benefit is available for nonqualified and IRA contracts only.)
  • Required Minimum Distributions (RMDs): After age 70½, the owner-required RMD for this contract may be taken from your qualified MarketProtector Advisory contract free of MVA, even if the amount exceeds the 10% free withdrawal provision.**
  • Free 10% Withdrawals: Each year, you may withdraw up to 10% of your Accumulation Value free of MVA. If a single withdrawal exceeds 10% of the Accumulation Value, the entire amount in excess of the free amount will be subject to MVA. The free withdrawal is not cumulative from year to year. If IncomeAccelerator is elected, withdrawals under the 10% free withdrawal provision but in excess of the lifetime income payment allowed will result in future guaranteed lifetime income payments being reduced.

Add-on Benefit

  • IncomeAccelerator, an add-on Lifetime Income Benefit, guarantees income each year for as long as you live. It also provides the opportunity to grow your income while giving you the flexibility of starting or stopping payments to fit your unique needs. IncomeAccelerator can be canceled on any Indexed Option Anniversary.
Quick Facts:
  • Issues ages: 50-80
  • Election: at issue or on any Indexed Option Anniversary during the initial Indexed Option Period
  • Minimum premium: $25,000 (or Accumulation Value if elected after issue)
  • Indexed Option periods: 7- and 10-year only
  • Annual Charge: 1.25% (single life option) or 1.40% (joint life option)
    • 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 2.50% (2.80% for joint life options). If the charge percentage is increased, a notice will be sent to the owner prior to the Indexed Option Anniversary.

*The Maturity Date under this contract is the owner's age 95, which is the required age to annuitize or take a lump sum.

Both indexes are unmanaged, do not include the payment or reinvestment of dividends in the calculation of performance, and are not available for direct investment.

If the New York Stock Exchange is closed on any Friday, the balance will be transferred on the next business day.

§The fixed account 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. Jackson reserves the right to restrict or prohibit new business, subseuquent premium or transfers to the Fixed Option.

**The RMD for this contract may be taken from a qualified MarketProtector Advisory contract free of MVA, even if the amount exceeds the 10% free withdrawal provision. The RMD withdrawal value is based on the Contract Value plus the value of any additional benefits. If a withdrawal taken before the end of the initial Indexed Option Period exceeds the greater of the RMD requirement or the 10% free withdrawal benefit, the excess amount withdrawn will be subject to MVA.

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

Understanding Annuities
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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.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC ("S&P DJI"), and has been licensed for use by Jackson National Life Insurance Company ("Jackson"). Standard & Poor's®, S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by S&P DJI and sublicensed for certain purposes by Jackson. MarketProtector Advisory is not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

MSCI EAFE is recognized as the preeminent benchmark in the U.S. to measure international equity performance. It is comprised of MSCI country indices that represent developed markets outside of North America, consisting of Europe, Australasia, and the Far East. The Product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Products or any index on which such Products are based. The Contract contains a more detailed description of the limited relationship MSCI has with Jackson National Life Insurance Company and any related Products.

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

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

CMI19840PD 10/19

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