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Perspective AdvisorySM

Benefit Options

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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.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

Hypothetical average years spent in retirement infographic. 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

Hypothetical infographic that illustrates the expectation versus reality of having a retirement plan last beyond your lifetime. 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.

Planning Calculators
Calculator with pen and pie chart

Use these calculators to help you create a retirement plan that suits your long-term goals.

Understanding Annuities
Cup of coffee with pen and bar graphs

Examine the potential benefits of variable annuities (VAs) as part of a balanced, long-term portfolio plan.

Build a Foundation

Partner with a professional to help pursue your long-term financial goals.

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.

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.

We reserve the right to refuse any subsequent premium payments, subject to state applicability.

Optional benefits may be elected at issue and, once elected, may not be cancelled or changed. 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. May not be available in all states or on all products, and state variations may apply. 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 the option.

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.

Standard Death Benefit and Optional Death benefits terminate if the contract value falls to zero.

Optional Death benefits terminate upon spousal continuation on Perspective Advisory.

Perspective Advisory Variable and Fixed AnnuitySM (VA770) is issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and in New York, (VA770NY) 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 contract has limitations and restrictions including possible withdrawal charges and excess interest adjustments (interest rate adjustments in New York) where applicable. 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

CMV17375BO 04/17

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