Important

Your login session will expire in seconds

Would you like to extend your session?

Annuity Education

Your individual investing and retirement goals are unique, and they'll continue to evolve as your priorities do. We've provided the following information about annuities — the various types, the features each may provide, the potential benefits and drawbacks — to help you decide whether adding an annuity to your portfolio suits your long-term financial objectives.

Generally, an annuity is a contract between you and an insurance company in which you make a lump sum payment or series of payments, and in return, you get access to a variety of potential benefits. The goal of many annuities is to provide a steady stream of income during retirement. Funds accrue on a tax-deferred* basis, which can help increase growth potential, but may be subject to additional taxes if withdrawn before age 59½.

Some annuities also offer optional benefits for additional fees, such as guaranteed lifetime income and the opportunity to leave an inheritance. Once you've determined whether an annuity is right for you, your next consideration will be the type of annuity you might choose: variable annuity, fixed index annuity or fixed annuity. Explore the options below to learn more about the different types of annuities and how they may fit in to your financial objectives.

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

*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.

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


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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

Annuity Facts

Older couple meeting with a financial professional

Dig deeper into the characteristics of annuities — including an overview of the different types of annuities, how they work, and their potential benefits and limitations.

Annuities Quick Look

Man using a calculator

Explore the three primary types of annuities, the optional benefits each may include, and which type may suit your investing and retirement goals.

Annuity Myths & Realities

Man thinking as he reads documents

Many of the common objections surrounding annuities are rooted in misinformation or outdated thinking. We separate fact from fiction.

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.

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.

Guarantees are backed by the issuing insurance company and do not apply to a variable annuity's separate account or its underlying investments.

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

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 products have limitations and restrictions. 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

CMN16249 07/16

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