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Fixed Index Annuities

Jackson® fixed index annuities provide the guarantees of a fixed annuity with the potential growth of additional interest linked to the return of an index. Work with your financial professional to choose a fixed index 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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before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 Index Annuities

Product Summary Indexed Option Periods* Initial Premium Indexed Options Additional Interest Crediting Options Guaranteed Minimum Accumulation Value Special Benefit Value Minimum Guaranteed
Caps & Rates
Optional Lifetime Income Rider
(available for an additional charge)
MarketProtector offers the benefits of a traditional fixed annuity, such as guaranteed minimum interest, death benefits, and retirement income options such as IncomeAccelerator, which is an optional add-on benefit for an additional charge. Choose from three timeframes, two crediting methods, and two indexes to meet your individual needs.

Contract form numbers: FIA250, ICC17 FIA250

5, 7, or 10 Years
  • $25,000 Nonqualified and Qualified**
  • S&P 500
  • MSCI EAFE
No
  • Annual Reset Point to Point
  • Annual Reset Point to Point Performance Trigger
87.5% of premium accumulated at the contract's guaranteed minimum interest rate (Guaranteed Minimum Value). Not subject to add-on benefit charges. Not applicable. Point to Point: 1.25%
Fixed Account: 1%-3%
IncomeAcceleratorSM (Lifetime Income Benefit)
MarketProtector Advisory offers the same benefits of a traditional fixed annuity, such as guaranteed minimum interest, death benefits, and retirement income options such as IncomeAccelerator, which is an optional add-on benefit for an additional charge. Choose from three timeframes, two crediting methods, and two indexes to meet your individual needs. MarketProtector Advisory is a fee-based option.

Contract form numbers: FIA255, ICC17 FIA255

5, 7, or 10 Years
  • $25,000 Nonqualified and Qualified**
  • S&P 500
  • MSCI EAFE
No
  • Annual Reset Point to Point
  • Annual Reset Point to Point Performance Trigger
87.5% of premium accumulated at the contract's guaranteed minimum interest rate (Guaranteed Minimum Value). Not subject to add-on benefit charges. Not applicable. Point to Point: 1.75%
(5 year), 2.25% (7 year), 2.75% (10 year)
Fixed Account: 1%-3%
IncomeAcceleratorSM (Lifetime Income Benefit)
Jackson AscenderPlus Select offers traditional fixed annuity benefits, such as guaranteed minimum interest, death benefits, and flexible retirement income options including LifePay®, an optional income rider available for an additional charge. Jackson AscenderPlus Select gives you the flexibility to choose from multiple timeframes, three crediting methods, and up to three indexes.

Contract form numbers: FIA150, ICC15 FIA150

5, 7, or 10 Years
  • $10,000 Nonqualified
  • $5,000 Qualified**
  • $25,000 if LifePay is elected
  • S&P 500
  • Multi-Strategy
  • Strategic4
No
  • Annual Reset Monthly Averaging
  • Annual Reset Point to Point
  • Annual Reset Monthly Sum
90% of premium, adjusted for withdrawals, accumulated at the contract's guaranteed minimum interest rate The contract's guaranteed minimum interest rate annually, credited daily, on 100% of premium Monthly Averaging: 1.25%
Point to Point: 1.25%
Monthly Sum: 0.10%
Fixed Account: 1%-3%
LifePay
Elite Choice also offers traditional fixed annuity benefits such as guaranteed minimum interest and death benefits, combined with the potential for additional interest linked to the return of an index. Elite Choice offers a choice of three timeframes, three crediting methods and two indexes to help fit your needs.

Contract form numbers: FIA400, ICC13 FIA400

6, 8, and 10 Years
  • $10,000 Nonqualified
  • $5,000 Qualified**
  • S&P 500
  • Multi-Strategy
No
  • Annual Monthly Averaging
  • Biennial Point to Point
  • Biennial Monthly Sum
100% of premium, adjusted for withdrawals, accumulated at the contract's guaranteed minimum interest rate No Monthly Averaging: 1%
Point to Point: 2%
Monthly Sum: 0.10%
Fixed Account: 1%-3%
No
Similar to Elite Choice, this fixed index annuity offers the same traditional fixed annuity benefits such as guaranteed minimum interest and death benefits, flexible retirement income options, and tax-deferred earnings, but has the added feature of a 2.5% or 5% bonus to give your contract value an instant boost.

Contract form numbers: FIA450, ICC13 FIA450

8 and 10 Years
  • $10,000 Nonqualified
  • $5,000 Qualified**
  • S&P 500
  • Multi-Strategy
  • 2.5% for premium up to $100,000
  • 5.0% for premium of $100,000 or greater
  • Annual Monthly Averaging
  • Biennial Point to Point
  • Biennial Monthly Sum
100% of premium, adjusted for withdrawals, accumulated at the contract's guaranteed minimum interest rate No Monthly Averaging: 0.55%
Point to Point: 1.1%
Monthly Sum: 0.08%
Fixed Account: 1%-3%
No
Building on the protection of a traditional fixed annuity, Select Annual Reset takes retirement planning to another level with the potential for additional interest linked to the return of an index. Select Annual Reset gives you the flexibility to choose from two timeframes and two indexes to help create your retirement plan.

Contract form number: FIA350

5 and 7 Years
  • $10,000 Nonqualified
  • $5,000 Qualified**
  • S&P 500
  • Multi-Strategy
No
  • Annual Reset Point to Point
100% of premium, adjusted for withdrawals, accumulated at 1.25% The contract's guaranteed minimum interest rate annually, credited daily, on 100% of premium Point to Point: 1%
Fixed Account: 1%-3%
No

*Indexed Option Periods are subject to availability.

**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 index annuities are not available in New York.

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

Fixed index annuities are issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC. Not available in all states and state variations may apply. Depending on the product, additional premium may be permitted in the first contract year. These products are fixed annuities that do not participate in any stock or equity investments. Limitations and restrictions apply, including withdrawal charges, recapture charges or market value adjustments (MVA) on some products. Recapture charges and MVA may not apply in all states. During the Indexed Option Period, the annuity's cash withdrawal value may be less than the initial premium. For costs and complete details, contact your representative or the Company.

The design of these annuity contracts 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.

All indexes are unmanaged and not available for direct investment. The payment of dividends is not reflected in the index return.

The Multi-Strategy and Strategic4 Indexes are proprietary indexes of stock performance created by Jackson to add the opportunity for greater diversity. The underlying stocks are selected according to five different strategies (for the Multi-Strategy Index®) or four different strategies (for the Strategic4 Index®), which are reapplied every year in January based on their predetermined selection criteria. Not available in all states.

Strategic4 Index® is not sponsored, endorsed, sold or promoted by S&P or its third-party licensors. Neither S&P nor its third-party licensors make any representation regarding the advisability of purchasing Jackson AscenderPlus Select with Strategic4 Index. S&P and its third party licensors do not take the needs of Jackson or the owners of Jackson AscenderPlus Select with Strategic4 Index into consideration when preparing or providing its Services. Individuals should ultimately rely on their own judgement and/or the judgement of a financial advisor when making decisions. S&P AND ITS THIRD-PARTY LICENSORS DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES WITH RESPECT TO THE SERVICES AND ITS USE BY LICENSEE IN CONNECTION WITH STRATEGIC4 INDEX, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. Neither S&P nor its third-party licensors guarantee the accuracy, adequacy, completeness or availability of any information provided by S&P to Jackson in connection with the development, marketing or promotion of Jackson AscenderPlus Select with Strategic4 Index nor are they be responsible for any errors or omissions, regardless of the cause or for the results obtained from the use of such information. In no event shall S&P or its third-party licensors be liable for any direct, indirect, special or consequential damages, costs, expenses, legal fees, or losses (including lost income or profit and opportunity costs) in connection with Jackson AscenderPlus Select with Strategic4 Index.

Standard & Poor's is not affiliated with Jackson National Life Distributors LLC. S&P®, S&P 500® and Standard & Poor's® are trademarks of The McGraw-Hill Companies, Inc., and have been licensed for use by Jackson National Life Insurance Company. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's, and Standard & Poor's makes no representation regarding the advisability of purchasing the product. The S&P 500® Index is unmanaged and not available for direct investment. Index performance does not include the reinvestment of dividends.

The S&P 500 Index is a market capitalization-weighted index of 500 stocks that are selected by Standard & Poor's to represent a broad array of large companies in leading industries. The S&P 500 Index is unmanaged and not available for direct investment. The payment of dividends is not reflected in the index return.

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® 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

CMI16065 03/18

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