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Annuity Education

Annuities Quick Look

Evaluating Annuity Types. Annuities offer a variety of investment choices and many annuities feature optional benefits to help you pursue your ever-evolving investing and retirement objectives. Work with your financial professional to decide whether investing in an annuity may fit in to your financial objectives.

This material is intended for educational purposes and does not contain information about specific Jackson® products.


What is an Annuity? An annuity is a long-term, tax-deferred vehicle designed for retirement. Variable annuities 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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.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

Variable Annuities With Optional Benefits*

A customizable retirement- and legacy-planning vehicle that allows your assets tax-deferred growth potential and a range of investment and distribution options.

Features Can Include:

  • Wide range of investment choices
  • Tax-deferred growth potential
  • Ability to change investment and allocation options
  • Lifetime income options
  • Death benefit for beneficiaries

You Might Consider If You:

  • Still have time before retiring
  • Want to supplement retirement income
  • Want the option to lock in market gains
  • Want to create a legacy for your loved ones
  • Would like your investments to grow without the disruption of annual taxes

Jackson Choices

Investment Only Variable Annuities (IOVA)

A customizable variable annuity investment platform that provides access to portfolio diversification and tax efficient investing strategies.

Features Can Include:

  • Lower fees
  • Tax advantages and legacy planning capabilities

You Might Consider If You:

  • Are looking to control your costs
  • Would like your investments to grow without the disruption of annual taxes
  • Are comfortable using diversification to manage risk

Jackson Choices

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

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.

Diversification does not assure a profit or protect against loss in a declining market.


Fixed Index Annuities

A retirement vehicle that combines the benefits of a traditional fixed annuity, including a guaranteed minimum rate of return, with the potential to earn additional growth linked to the return of an index.

Features Can Include:

  • Potential for additional growth linked to an index
  • Guaranteed* minimum interest rate
  • Tax-deferred potential growth of your contract value
  • Lifetime income option for an additional fee
  • Flexible retirement income options
  • Death benefit for beneficiaries

You Might Consider If You:

  • Are near retirement
  • Want a minimum guaranteed return
  • Want the potential for additional growth

Jackson Choices

*Guarantees are backed by the claims-paying ability of the issuing insurance company.

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.


Fixed Annuities

A retirement vehicle that offers a guaranteed minimum interest rate and the ability to begin taking withdrawals at any time.

Features Can Include:

  • Guaranteed* fixed growth of investment
  • Tax-deferred growth of contract value
  • Guaranteed minimum interest rate
  • Lifetime income option
  • Flexible retirement income options
  • Death benefit

You Might Consider If You:

  • Are in or near retirement.
  • Want to create guaranteed retirement income.
  • Want to create a legacy for your family.

Jackson Choices

Immediate Annuities

A retirement vehicle that provides ongoing income payments, generally starting within 12 months of contract initiation.

Features Can Include:

  • Protected retirement income
  • Create an income stream for a set
    term or for life

You Might Consider If You:

  • Are now in retirement
  • Need to supplement your income
  • Want to convert a lump sum into an ongoing income stream

Jackson Choices

*Guarantees are backed by the claims-paying ability of the issuing insurance company.

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.

Variable Annuities
Photograph of tree tops taken the ground

Learn more about the investment and benefit options available in Jackson’s variable annuities (VAs).

Fixed Index Annuities
Baby plant growing from the center of a stump

Learn more about the protection and flexibility offered by Jackson’s fixed index annuities (FIAs).

Fixed Annuities
Mountains

For a more conservative investing approach, consider a Jackson fixed annuity (FA).

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.

Fixed index annuities are not available in New York.

Fixed index annuities are also known as fixed annuities with index-linked interest.

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.

Jackson and its affiliates do not provide legal, tax or estate-planning advice. For questions about a specific situation, please consult a qualified advisor.

The Latest Income or Maturity Date allowed under these contracts is the owner's age 95, which is the required age to annuitize or take a lump sum.

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.

Fixed index annuities are issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC. Not available in all states and state variations may apply. Depending on the product, additional premium may be permitted in the first contract year. These products are fixed annuities that do not participate in any stock or equity investments. Limitations and restrictions apply, including withdrawal charges and possible recapture charges on some products. Recapture charges may not apply in all states. During the Indexed Option Period, the annuity's cash withdrawal value may be less than the initial premium. For costs and complete details, contact your representative or the Company.

The design of these annuity contracts emphasizes the protection of credited interest rather than the maximization of interest rate crediting. Jackson issues other annuities with similar features, benefits, limitations and charges. Discuss them with your representative or contact Jackson for more information. Fixed index annuities may not be suitable for everyone.

Fixed 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). Subsequent premium may be restricted in some states. These products may not be available in all states and state variations may apply. These contracts have limitations and restrictions, including withdrawal charges and possible excess interest adjustments. Jackson issues other annuities with similar features, benefits, limitations and charges. 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

CMX16254 09/16

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