Guarantees You Can Count On. With more time spent in retirement, it's increasingly important to establish a steady stream of income that will last as long as you do. And if leaving an inheritance for future generations is a priority, you may want to consider an investment strategy with potential to grow your legacy. The optional living and death benefits offered by Perspective Advisory can help you pursue your unique income and legacy goals.
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.
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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.
Guarantee Your Income with Living Benefits
Adding a living benefit to your variable annuity contract for an additional fee can provide you with a steady stream of lifetime* income. While many variable annuity companies offer pre-packaged living benefits, we understand that no investor's objectives are the same and only you and your advisor know which features best complement your objectives. That's why Jackson® offers a-la-carte options, so you only pay for the features you need — not for those you don't.
Jackson's LifeGuard Freedom® Suite of Living Benefits offers:
- Guaranteed income that lasts as long as you do
- The freedom to receive lifetime* income without compromising your investment strategy
- The ability to control when and how you withdraw your money, which may help you manage your tax burden
Guarantee Your Legacy with Death Benefits†
Just as an optional living benefit can help you grow and receive income throughout your lifetime — death benefits allow you to leave a financial legacy beyond your lifetime. A PerspectiveSM variable annuity includes a standard death benefit and the option to choose one of our enhanced benefits that for an additonal fee offers the potential to increase the amount of money you provide when the time comes.
When your goals shift from growing income to providing for future generations, Jackson's death benefits offer:
- A guaranteed financial legacy
- An opportunity to lock in growth
- Options for tax-efficient transfer of your assets and the ability to avoid the time-consuming probate process
*On the contract anniversary on or immediately following the owner's (or older joint owner's) attained age 59½, the for-life guarantee becomes effective provided: 1) the contract value is greater than zero and 2) the contract has not been annuitized. If the owner (or older joint owner) is age 59½ on the effective date of the endorsement, then the for-life guarantee becomes effective on that date.
†Death benefits terminate if the contract value reduces to zero.
Use these calculators to help you create a retirement plan that suits your long-term goals.
Examine the potential benefits of variable annuities (VAs) as part of a balanced, long-term portfolio plan.
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