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Variable Annuities

Jackson® variable annuities offer a variety of investment choices and options to help you pursue your ever-evolving investing and retirement goals. Work with your financial professional to build a portfolio that suits your financial objectives.


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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

Variable Annuities

Product Summary Charges (M&E&A*) Withdrawal Charges Inital Investment Investment Options Living Benefit Choices Death Benefit Choices Additional Withdrawal Options Offered For An Additional Charge
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 Guidance Portfolios® — all optimized through the benefit of tax deferral.

Contract form numbers: VA650, VA660, VA650NY, VA660NY

1.00% 5 Years
  • $5,000 Nonqualified
  • $2,000 Qualified
More than 100 professionally managed, investment options — many exclusive to Jackson. Investment Options Elite Access is designed as an investment only variable annuity (IOVA) offering no guaranteed living benefit options but focused instead on broadly diversified investment options. Elite Access is designed as an investment only variable annuity (IOVA) offering no guaranteed death benefit options but focused instead on broadly diversified investment options.

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

  • Liquidity Option

Additional charge of 0.25% charged for the life of the contract. If elected the fixed account options are not available.

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 provides the power of tax-deferred earnings in a single, customizable retirement plan.

Contract form numbers: VA620, VA620NY (09/12)

1.30%
1.40% in NY
7 Years
  • $10,000 Nonqualified
  • $5,000 Qualified
More than 90 professionally managed investment options to invest the way you and your advisor think best. Investment Options Multiple guaranteed minimum withdrawal benefits, including lifetime withdrawal options and return of premium options. Benefit Options

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.

Multiple enhanced death benefit options to guarantee growth and lock in market gains for a potentially more robust legacy.
Benefit Options
  • Optional 4-year withdrawal charge schedule

Additional charge of 0.40% charged for the first 4 years of the contract. If elected premiums are only allowed in the first contract year.

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 provides the power of tax-deferred earnings in a single, customizable retirement plan.

Contract form numbers: VA770

0.30% 3 Years
  • $25,000 Nonqualified
  • $25,000 Qualified
More than 90 professionally managed investment options to invest the way you and your advisor think best. Investment Options Multiple guaranteed minimum withdrawal benefits, including lifetime withdrawal options and return of premium options. Benefit Options

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.

Multiple enhanced death benefit options to guarantee growth and lock in market gains for a potentially more robust legacy.
Benefit Options

Optional Death benefits terminate upon spousal continuation on Perspective Advisory.

N/A

*Mortality & Expense Risk & Administrative Charges. The administration charge is waived if the contract value on the later of the issue date or the most recent contract quarterly anniversary is greater than or equal to $1million.

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

Firm and state variations may apply.

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

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At Jackson, we take the responsibility of providing quality investment solutions very seriously. We encourage you to reach out to a financial professional who can help you explore the wide variety of resources we offer to assist in your investing journey.

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 are available for an additional charge. 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 you select and the length of time you own your annuity. 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.

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. May not be available in all states and state variations may apply. These contracts have limitations and restrictions including possible withdrawal charges and excess interest adjustments (interest rate adjustments in New York) where applicable. Please contact the Company 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

CMV16047 09/16

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