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Elite Access®

Introduction

Prepare for Every Market Condition. Shifts in the economic cycle are inevitable, and the ways those shifts may affect your investments can cause uncertainty, especially when markets are down.

Historically, stocks have done well when the economy grows, and bonds have done well when interest rates fall. But what about when the economy declines or interest rates rise? It's important to strategically diversify* your investments to help prepare for how these economic phases can affect your portfolio.

Elite Access® is a variable annuity investment platform designed to help you seek opportunities and manage risk throughout the economic cycle by providing diverse investment options, alternative assets and strategies, expertly constructed portfolios, and important tax advantages.

*Diversification does not assure a profit or protect against loss in a declining market. Portfolios that have a greater percentage of alternative investments may have greater risks, especially those including arbitrage, currency, leveraging, and commodities. This additional risk can offset the benefit of diversification.


What is a Variable Annuity? Variable annuities are long-term, tax-deferred investments designed for retirement, involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

Markets in Motion

Guidance PortfoliosThe investment options available in Elite Access provide potential benefits throughout each phase of the economic cycle.

Explore each option below (+) to learn more about the investments, philosophies, expertise, and tax advantages offered by Elite Access.

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Equities: A Cornerstone of Portfolio Construction

Equity Considerations When the economy is growing, businesses tend to do well and equities, or stock investments, typically appreciate in value. Elite Access offers a wide variety of the most commonly known equity asset classes as well as unique options such as micro cap, frontier, and emerging markets. You'll also have access to international opportunities as well as low-cost index, sector, and passively managed options.

Fixed Income: A Conservative Choice

Factors that Impact the Price of a Bond Fixed income investments, such as bonds, provide another source of diversification from market risk because they are not typically correlated to the performance of the stock market — you're essentially loaning money to a corporation or government entity and receiving a set interest payment for a specified period. As such, many fixed income investments can benefit from declining interest rates while others, such as floating rate and Treasury Inflation-Protected Securities (TIPS), may benefit from rising interest rates.

Alternative Assets: Beyond the Traditional

Alternative Assets Alternative assets offer exposure beyond the traditional equity portion of your portfolio. This gives you the opportunity to further diversify, because alternative assets typically perform well in inflationary environments. When preparing for any market cycle, it's important to consider evolving portfolios by adding alternative assets.

Alternative Strategies: Navigating Market Turbulence

Strategic Approaches During periods when the economy is facing a decline, or interest rates are low, it may be effective to consider alternative strategies that seek opportunities to generate results similar to bonds. Various management styles and strategies such as long/short, arbitrage, and managed futures can help prepare for market downturns.

Tactical Management: Flexible and Proactive

Tactical management is designed to provide asset allocation flexibility that adjusts to all market cycles — positive and negative. Expert analyses, provided by some of the most reputable names in the business, help identify perceived market trends, cyclical opportunities, and/or risks in the markets.

Risk Management: Addressing Volatility

Risk management has always been an integral part of investing, but the methods of doing so have evolved. Using proprietary analysis, choose from a range of investment options that reactively or proactively seek capital preservation or volatility reduction while pursuing upside return potential.

Guidance Portfolios®: Expert Direction

The world of global finance may be complicated, but that doesn't mean investing needs to be. Under the direction of Jackson National Asset Management (JNAM), Guidance Portfolios contain the individual benefits of Elite Access in preconfigured, expertly constructed investments that are subject to a systematic due diligence process and continuous portfolio monitoring. You can choose between Focused Guidance Portfolios, centered on a single asset class; or Diversified Guidance Portfolios, which employ multiple asset classes and management styles.

Jackson National Asset Management, LLC® ("JNAM") is an investment adviser registered with the U.S. Securities and Exchange Commission. JNAM is also a commodity pool operator registered with the U.S. Commodity Futures Trading Commission and is a member firm of the National Futures Association. JNAM is the investment adviser to the "Funds," which are investment companies (subaccounts) that underlie the Jackson variable products. Nothing contained herein is investment advice, and nothing contained herein is a solicitation for investment advisory services or the sale of commodity pool interests. JNAM is an affiliate of Jackson National Life Distributors LLC and Jackson National Life Insurance Company.

Tax Advantages: Compounding Potential

Even if you're not in the highest income tax bracket, today's tax environment can make it difficult to build wealth. Fortunately, variable annuities can minimize the impact of tax-inefficient assets by allowing your investments the opportunity to grow tax-deferred until you're ready to take a withdrawal. This way your investment returns can compound throughout all phases of the economic cycle.

Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA, and may be found at a lower cost in other investment products. It also 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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Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying investment options. The current contract prospectus and underlying fund prospectuses, which are contained in the same document, provide this and other important information. Please contact your representative or the Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.

This material was prepared to support the promotion and marketing of Jackson® variable annuities. Jackson, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisor as to any tax, accounting or legal statements made herein.

Commodity – Commodities investments and/or commodity-linked derivative instruments, especially if leveraged, may entail greater volatility from a variety of causes than traditional securities.

Cyclical Opportunities – If tactical moves relative to the business cycle do not occur the value of securities could fall.

Emerging Markets – Investing in emerging markets may involve greater risks than investing in developed countries, including the possibility of industry concentration, nationalization, taxes and transaction costs, lower trading volumes, and less liquid securities, resulting in higher volatility.

Equity – The price of equity or equity-related securities will fluctuate and can decline and reduce the value of a portfolio investing in these securities.

Fixed income – Fixed income prices respond to changing economic environments, including interest rate changes and credit risk perceptions of individual issuers, which can negatively affect the price and income level.

Floating Rate – Loan investments involve credit risk, interest rate risk, liquidity risk, and risk of being a lender.

Forward and futures contract – Successful use of futures and forwards is dependent upon the subadvisors' skill and experience with those instruments and include risks such as imperfect correlation, potentially unlimited losses, inability to predict movements or direction, counterparty default, and margin requirements resulting in a disadvantageous sale.

Index – All indices referenced herein are unmanaged and not available for direct investment.

Infrastructure – Infrastructure companies securities are more susceptible to adverse economic or regulatory occurrences affecting their industries, including capital construction interest rate, high leverage, regulatory costs, surplus capacity, increased competition, reasonable fuel prices, energy conservation policies, service interruption, tariffs and taxes, innovations in technology, market demand, terrorist acts, and environmental damage.

Limited Management, Trading Cost and Rebalance – Investing according to specific, mechanical criteria applied on a specific date each year may prevent a portfolio from responding to market fluctuations or changes in the financial condition or business prospects of the selected companies during the year.

Managed Portfolios – The manager's investment techniques could fail to achieve the fund's investment objective or negatively affect the fund's investment performance.

Merger Arbitrage – Merger arbitrage strategies seek to exploit the difference in market prices of publicly traded equities at the announcement and throughout the process of corporate merger and acquisition events.

Micro-cap – Micro-cap stocks involve substantially greater risks of loss and price fluctuations because their earnings and revenues tend to be less predictable (and some companies may be experiencing significant losses), their share prices tend to be more volatile, and their markets less liquid than companies with larger market capitalizations.

Real Estate – This investment may be closely linked to the performance of the real estate markets and may rise and fall more than the value of shares of a fund invested in a broader range of companies.

Sectors – Securities held by the fund could underperform other funds investing in similar asset classes or comparable benchmarks because of the portfolio managers' choice of securities or sectors for investment.

Short Sales – A short sale may be affected by selling a security that the fund does not own. If the price of the security sold short increases, the fund would incur a potentially unlimited loss; conversely, if the price declines, the fund will realize a gain.

TIPS – The value of Treasury inflation-protected securities (TIPS) generally fluctuates in response to changes in real interest rates, which are, in turn, tied to the relationship between nominal interest rates and the rate of inflation. If nominal interest rates increased at a faster rate than inflation, then real interest rates might rise, leading to a decrease in the value of inflation-protected securities.Diversification does not assure a profit or protect against loss in a declining market. Portfolios that have a greater percentage of alternatives may have greater risks, especially those including arbitrage, currency, leveraging, and commodities. This additional risk can offset the benefit of diversification.

Alternative investment strategies such as leveraging, arbitrage and commodities investing are subject to greater risks and volatility than more traditional investment offerings. Although asset allocation among different asset categories generally limits risk and exposure to any one category, the risk remains that management may favor an asset category that performs poorly relative to the other asset categories. The subaccounts expect to invest in positions that emphasize alternatives or nontraditional asset classes or investment strategies and, as a result, are subject to the risk factors of those asset classes. Some of those risks include general economic risk, geopolitical risk, commodity-price volatility, counterparty and settlement risk, currency risk, derivatives risk, emerging markets risk, foreign securities risk, high-yield bond exposure, noninvestment-grade bond exposure commonly known as "junk bonds," index investing risk, industry concentration risk, leveraging risk, market risk, prepayment risk, liquidity risk, real estate investment risk, sector risk, short sales risk, temporary defensive positions and large cash positions.

The investment companies (subaccounts) offered in Elite Access are registered as investment companies under the Investment Company Act of 1940, as amended ("1940 Act"), and their shares are registered under the Securities Act of 1933, as amended. There are many differences among 1940 Act registered subaccounts and unregistered hedge funds, including but not limited to liquidity, restrictions on leverage and diversification, fund reporting and transparency, fees, and availability.

Jackson National Asset Management, LLC ("JNAM") is an investment adviser registered with the U.S. Securities and Exchange Commission. JNAM is also a commodity pool operator registered with the U.S. Commodity Futures Trading Commission and is a member firm of the National Futures Association. JNAM is the investment adviser to the "Funds," which are investment companies (subaccounts) that underlie the Jackson variable products. Nothing contained herein is investment advice, and nothing contained herein is a solicitation for investment advisory services or the sale of commodity pool interests. JNAM is an affiliate of Jackson National Life Distributors LLC and Jackson National Life Insurance Company.

The standard death benefit is equal to contract value on the date of the claim and does not include any additional guarantees.

The latest income date allowed is age 95, which is the required age to annuitize or take a lump sum. Please see the prospectus for important information regarding the annuitization of a contract.

Elite Access Fixed and Variable Annuity (VA650, VA660) is issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and in New York (VA650NY, VA660NY) by Jackson National Life Insurance Company of New York® (Home Office: Purchase, New York). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states and state variations may apply. This product has limitations and restrictions, including withdrawal charges and excess interest adjustments (interest rate adjustments in New York) where applicable. Jackson issues other variable annuities with similar features, benefits, limitations and charges. Discuss them with your representative or contact Jackson for more information.

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

CMV16043I 07/16

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