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Retirement Planning

Hypothetical sources of income in retirement pie chart. No matter where you are in your journey toward retirement, it never hurts to step back and take stock of the progress you're making toward your long-term financial goals. As part of your retirement plan, you'll need to decide when to begin saving and investing your money, when and how to take that money when the time comes, and perhaps how to create a legacy for loved ones. Experts project that traditional sources of retirement income, such as employer pensions and Social Security benefits, will provide only a portion of the total income you may need to fund your retirement.

Underestimating the amount of time you'll spend in retirement and how much it will cost are considerations that are often overlooked. The average life expectancy has increased significantly over the past century, which means it's critical to evaluate your financial strategy — because, happily, you may spend more time in retirement than planned.

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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

Saving For Retirement

Father and son building a sandcastle

Retirement may be years away or it may be decades away. Whether near or far, the earlier you begin to save, the better chance you'll have of building a nest egg sufficient to sustain the retirement lifestyle you envision.

Income Generation

Couple smiling

Your plan for generating income in retirement will depend on your individual goals. Whether it's maintaining your current lifestyle or taking on larger expenses like traveling — turning those goals into realities will require a strategy.

Legacy Planning

Man enjoying a cup of coffee in the park

Once you've reached retirement, you may want to consider the legacy you'll leave for loved ones. With careful forethought, you can take control of how an inheritance will pass on with the fewest obstacles (and least amount of taxes) possible.

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.

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

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