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Variable Annuities

Your plans for your future are unique, and your investment and retirement strategy can be, too. Jackson® provides variable annuity options designed to help you pursue your financial goals, starting at any point in your life.

The range of variable annuity offerings Jackson provides puts control back in your hands. With the help of an advisor, you can choose a product that works in your best interests, within the level of market risk where you're comfortable. Each of our variable annuities offer a tax deferral* option to ensure your wealth is protected for the long run.


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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

Elite Access®

Father and son fishing from a deck

An investment only variable annuity (IOVA) designed to help increase return potential and manage risk through a diversified variable annuity investment platform. Elite Access features traditional investments, alternative assets and strategies, tactical and risk management, and asset allocation portfolios — all optimized through the benefit of tax deferral.

Elite Access AdvisorySM

Retired couple kayaking

An investment only variable annuity (IOVA) designed to help increase return potential and manage risk through a diversified variable annuity investment platform. Elite Access Advisory features traditional investments, alternative assets and strategies, tactical and risk management, and asset allocation portfolios — all optimized through the benefit of tax deferral.

Elite Access Advisory IISM

Retired couple kayaking

An investment only variable annuity (IOVA) designed to help increase return potential and manage risk through a diversified variable annuity investment platform. Elite Access Advisory II features traditional investments, alternative assets and strategies, tactical and risk management, and asset allocation portfolios — all optimized through the benefit of tax deferral.

Perspective II®

Couple sitting on a rock overlooking a lake

A variable annuity with optional benefits for an additional charge that combines the growth potential of a wide range of investment options with benefits designed for guaranteed lifetime income and the opportunity to leave a legacy. Perspective II offers the power of tax-deferred earnings in a single, customizable retirement plan.

Perspective Advisory II®

Boy riding on a man's shoulders

A variable annuity with optional benefits for an additional charge that combines the growth potential of a wide range of investment options with benefits designed for guaranteed lifetime income and the opportunity to leave a legacy. Perspective Advisory II offers the power of tax-deferred earnings in a single, customizable retirement plan.

*Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA. 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.

Lifetime income of the optional lifetime benefits becomes effective at issue if the owner/designated life is age 59½ at issue, or upon the contract anniversary following owner/designated life’s 59½ birthday, provided the contract value is greater than zero and has not been annuitized.

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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.

Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company® or Jackson National Life Insurance Company of New York® and do not apply to the principal amount or investment performance of a variable annuity's separate account or its underlying investments.

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.

In certain states, we reserve the right to refuse any subsequent premium payments. This does not apply in Oregon on Elite Access (VA650/VA660), Perspective II (VA620) or Retirement Latitudes (VA630)

Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity. Only one optional living benefit and one optional death benefit may be elected per contract. Once elected, benefits may not be cancelled; please see prospectus for specific benefit availability. The long-term advantage of the optional benefits will vary with the terms of the benefit option, the investment performance of the variable investment options selected, and the length of time the annuity is owned. As a result, in some circumstances the cost of an option may exceed the actual benefit paid under that option.

Variable annuities are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York, 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. These contracts have limitations and restrictions. Jackson issues other 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®.

Firm and state variations may apply.

• Not FDIC/NCUA insured • Not bank/CU guaranteed • May lose value •
Not a deposit • Not insured by any federal agency

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