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Perspective II®

Introduction

The Pursuit of Retirement Freedom. Today, with many people living longer, healthier, and more active lives, retirement has become a turning point — not an end point. But the prospect of a longer retirement raises important questions about whether traditional retirement income streams — such as Social Security, pensions, and personal savings — will be sufficient for you to sustain a comfortable lifestyle as you age.

With these challenges in mind, Jackson® offers Perspective II, one of America's top-selling* variable annuities that offers you the freedom to create your own distinctive portfolio plan with quality investments, optional benefits, and tax deferral. It's a retirement investment vehicle designed to let you adapt your investment choices to your evolving needs and goals.

*LIMRA Secure Retirement Institute U.S. Individual Annuities Sales Survey, First Quarter, 2016. Jackson was first in total annuity sales out of 62 participating companies that provided LIMRA with quarterly data.

Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity.

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 not be available if the annuity is owned by a "non-natural person" such as a corporation or certain types of trusts.


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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

The Power of Perspective

Guidance Portfolios Perspective II addresses investment challenges to help you pursue financial freedom in retirement.

Explore each option below (+) to learn more about the investments, income and legacy benefit options, and tax advantages offered by Perspective II.

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Investment Options: A Foundation You Can Grow On

Growth To outpace rising costs and manage market expectations, it's important to implement a long-term investing strategy built to grow over time. Jackson gives you the freedom to create a portfolio allocation and level of risk that suits your evolving goals.

Living Benefits: Income You Can Count On

Income With increasing life expectancy and more time spent in retirement, it's important to establish a steady income stream you won't outlive. Jackson's optional suite of living benefits can provide lifetime income** to help sustain your retirement lifestyle.

**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: A Legacy You Can Pass On

Legacy If leaving an inheritance for future generations is a priority, consider an investment strategy that help grow your legacy. Plan to leave more than a memory with a death benefit backed by Jackson.

Tax Advantages: An Advantage You Can Plan For

Taxes Taxes can impact every phase of your retirement journey by constantly chipping away at your gains. Help keep more of your money at work by utilizing tax efficiencies at each investment stage.

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
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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 canceled. 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.

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.

Perspective II Fixed and Variable Annuity (VA620) is issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and in New York, (VA620NY 09/12) 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®.

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

CMV16050I 09/16

© 2017. All rights reserved
Jackson National Life Insurance Company
1 Corporate Way
Lansing, MI 48951