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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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before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 Guarantees 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: FIA260, ICC19 FIA260

5, 7, or 10 Years
  • $25,000 Nonqualified and Qualified**
  • S&P 500
  • MSCI EAFE
No
  • Annual Reset Point to Point Cap
  • Annual Reset Point to Point Performance Trigger
  • Annual Reset Point to Point Participation Rate with Spread
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 Annual Cap: 2% (5 year), 3% (7 year), 3% (10 year)
  • Point to Point Performance Trigger: 2% (5 year), 3% (7 year), 3% (10 year)
  • Index Participation Rate: 10% Minimum
  • Spread: Maximum 10%
  • Fixed Account: 1%-3%
IncomeAccelerator® (Lifetime Income Benefit)
Not available with 5 year Indexed Option Period
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: FIA265, ICC19 FIA265

5, 7, or 10 Years
  • $25,000 Nonqualified and Qualified**
  • S&P 500
  • MSCI EAFE
No
  • Annual Reset Point to Point Cap
  • Annual Reset Point to Point Performance Trigger
  • Annual Reset Point to Point Participation Rate with Spread
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 Annual Cap: 3% regardless of index selected
  • Point to Point Performance Trigger: 3% regardless of index selected
  • Index Participation Rate: 10% Minimum
  • Spread: Maximum 10%
  • Fixed Account: 1%-3%
IncomeAccelerator® (Lifetime Income Benefit)
Not available with 5 year Indexed Option Period

*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.

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 10/19

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