Fee-based Annuity Solutions

A new generation of annuities specifically designed for Wealth Managers with no commission or withdrawal charges*

With Needs-based Choices

These products are designed to help clients pursue wealth accumulation and preservation, tax mitigation, wealth transfer, income generation, and risk management. They are scalable to integrate with your accounting, reporting, and holistic planning tools.

We understand that no two clients are the same, and therefore their financial plans, and the way you help them decide how to approach inherent risks to investing in markets, will also be different. Through principal protection, growth potential, and guarantees for providing income and legacy, a Jackson® annuity is specifically designed for fee-based financial professionals with no commissions or withdrawal charges.

This arrow chart shows the potential risk compared to the potential reward of fixed annuities, fixed index annuities, and variable annuities, depending on a clients needs and objectives.

What is an Annuity?

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 Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.

With variable annuities a contract charge and subaccount charges will apply.

Fixed Index Annuity

For risk-averse clients looking for the powerful combination of principal protection and the opportunity for growth, MarketProtector Advisory® provides both. It also provides flexibility by linking assets to index performance.

MarketProtector Advisory at a Glance:

  • Protection from market volatility because assets are not invested directly in the markets and have a guaranteed minimum interest rate
  • Interest earned is locked in each year. 
  • Opportunity for tax-deferred growth through interest linked to performance of an index
  • Flexibility to choose preferred indexes, crediting methods, and indexed option periods
  • Add-on Lifetime income benefit, available at an additional charge, can secure income during retirement

Growth Potential With Downside Protection

With MarketProtector Advisory, interest is calculated based on the performance of an index by using a cap, rate, or spread that determines the maximum amount of the index's returns that can be credited to the contract.

This line graphic presents that interest is calculated based on the performance of an index by using a cap, rate, or spread that determines the maximum amount of the index's returns that can be credited to the contract.

This chart is for illustrative purposes only and does not reflect any specific outcomes.

‡ Add-on benefits that provide income for the length of the designated life and/or lives may be available for additional charge. The amount of income that these benefits may provide can vary depending on age, when income is taken, and how many lives are covered when the benefit is elected. Certain state variations may also apply. The cost of these benefits may negatively impact the contracts' cash value.  The lifetime income of the benefits available with variable annuities becomes effective at issue if the designated life is age 59½ at issue, or upon the contract anniversary following designated life’s 59½ birthday, provided the contract value is greater than zero and has not been annuitized.

Investment Only Variable Annuity

For clients in the pre-retirement phase looking to improve tax inefficiencies through asset location, Jackson Private Wealth® combines diversified investment options with the benefit of tax deferral—and no withdrawal charges.

Jackson Private Wealth at a Glance

  • A simplified approach to tax-deferred investing – designed through careful collaboration with money-management firms
  • A flexible and efficient way to invest  a wide range of asset classes at institutional share class pricing, with à la carte investment options from reputable firms
  • Legacy benefits – provide the potential to pass on tax deferral to a beneficiary

Tax Optimization

Shelter

Keep more money working when placing tax-inefficient assets into a tax-advantaged account.

Trade

Make portfolio changes as needs change—with no transfer fees and no immediate tax consequences.

Rebalance

Keep your client's portfolio on track via automatic rebalancing with no immediate tax implications.

Staying Invested to Pursue Your Financial Goals

Markets have historically moved up more  often than down. In fact, our nation's largest down markets were followed by significant rallies.

Staying invested for the long term may work in your favor. Diversifying your portfolio can help smooth the ride and keep you on track towards your goals. 

Over the past 94 years, the market has experienced:

  • 69 years of positive returns 
  • 25 years of negative returns 
This graphic illustrates that staying invested for the long term may work in your favor. Diversifying your portfolio can help smooth the ride and stay invested towards your goals. During the past 94 years the market has experienced 69 years of positive returns and 25 years of negative returns.

† Select up to a maximum of 99 investments and adjust options or allocations up to 25 times each contract year without transfer fees. To prevent abusive trading practices, Jackson restricts the frequency of transfers among Variable Investment Options, including trading out of and back into the same subaccount within a 15-day period.

‡ Systematic investment programs do not assure a profit or protect against loss in a declining market. They involve continuous investing regardless of fluctuating price levels. You should consider your ability to continue investing through periods of fluctuating market conditions.

This pyramid chart helps prioritize income planning in retirement. The essential, daily expenses make up the base of the pyramid, and you’ll want to start with these expenses before potentially including expenses in the next levels of discretionary income. As you work your way up the pyramid, you’ll have important expenses, such as hobbies and leisure and aspiration expenses, such as travel and leaving a legacy.

Will I Have an Income Gap?

Pensions and Social Security used to be the main funding for retirement, but now the responsibility lies with retirees. When planning for retirement, think of your clients' income needs as part of a pyramid. The essential, daily expenses make up the base of the pyramid. You’ll want to start with these expenses before potentially including expenses in the next levels of discretionary income.

Variable Annuity Products With Add-on Benefits

For clients looking for guarantees with full market participation, Jackson offers a new generation of variable annuities with no commission, no withdrawal charges, and institutional share class pricing. Unlike other variable annuities, fiduciaries are able to tailor a client's allocation to their risk tolerance with no investment restrictions or volatility control. Optional benefits, available for an extra charge, can provide guaranteed income for life and/or enhanced legacy guarantees.

Perspective Advisory II at a Glance:

  • Add-on living benefits that can address sequence of returns risk and longevity risk by providing consistent income that your clients can’t outlive* 
  • A flexible and efficient way to invest - a wide range of asset classes at institutional share-class pricing with à la carte investment options from reputable firms
  • Legacy control lets you select how and when to distribute to beneficiaries

Income Options at a Glance

The chart illustrates that by participating in the market and locking in gains on an annual basis, you can capture market growth. You will receive annual deferral credits every year you wait to take income, regardless of what’s happening in the market. The longer you wait, the more you take in retirement.

Freedom Accelerator

  • Clean and clear-cut approach to providing protected lifetime income.
  • Straightforward option for clients to protect their retirement income needs.
  • The longer you wait, the more you can take
  • Capture market growth - by participating in the market and locking in gains on an annual basis
  • Receive annual deferral credits - every year a client waits to take income, regardless of what's happening in the market, their income grows.

Freedom Flex | Income Stream Value

  • Most cost-effective way to produce income protection
  • Protected lifetime income at a reasonable price - this benefit allows for the most cost-effective income protection as compared to other variable annuity options
  • Income grows at a guaranteed rate regardless of market performance. 
  • Market participation and growth enhances income for life
The graphic shows how your income grows at a guaranteed rate regardless of market performance. Market participation and growth enhances income for life. When the market is down, you receive a bonus. When the market is up you receive annual step ups.

Review additional features and benefits available or contact your dedicated consultant to discuss client-specific needs and case design.

* Lifetime income of the add-on lifetime benefits available with variable annuities becomes effective at issue if the designated life is age 59½ at issue, or upon the contract anniversary following designated life's 59½ birthday, provided the contract value is greater than zero and has not been annuitized.

Investment Advisor Registration Made Easy

With a digital registration process, establishing your business at Jackson has never been easier.

Multi-Generational Benefits of Trust-owned Annuities

Today’s global economy and volatile markets create challenges for trustees who are tasked with driving growth, preserving capital, and managing the everpresent sting of taxes and expenses in trust–owned portfolios. Did you know that trusts can benefit from the same features annuities have? Namely, they are tax deferral, income control, and diversified investment options.

Connect With a Consultant

Wealth managers can connect with our dedicated consultants in many ways. Send us a note and we will get back to you within 24 hours, or contact us at: (800) 711-7397.

Or view our coverage map to connect with a specific consultant.

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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 financial professional or the Company to obtain the prospectuses.  Please read the prospectuses carefully before investing or sending money.

This material was prepared to support the promotion and marketing of Jackson® variable annuities. Jackson, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisor as to any tax, accounting or legal statements made herein.

This piece is meant to provide education on the content being presented and is intended of an audience with a basic understanding of trusts and the financial industry. It is not intended for use with the general public. Firm and state variations may apply.

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.

The latest income date or Maturity Date allowed under an annuity contract is the owner’s age 95, which is the required age to annuitize or take a lump sum.

For Variable Annuity Products:

Select up to a maximum of 99 investments and adjust options or allocations up to 25 times each contract year without transfer fees. To prevent abusive trading practices, Jackson restricts the frequency of transfers among Variable Investment Options, including trading out of and back into the same subaccount within a 15-day period.

Variable Annuities (VA790, VA790-T1, VA790-FB1, ICC17 VA790, ICC17 VA790-T1, ICC17 VA790-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York (VA790NY, VA790NY-FB1) 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. These contracts have limitations and restrictions. Jackson issues other annuities with similar features, benefits, limitations and charges. Contact Jackson for more information

For Fixed Index Annuity Products:

Fixed Index Annuities are also referred to as Fixed Annuities with Index-Linked Interest in the contract.

MarketProtector Advisory Individual Modified Single Premium Deferred Fixed Annuity With Index-Linked Interest Option and Market Value Adjustment (contract form numbers FIA265, ICC19 FIA265) is issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC. This product is a fixed annuity that does not participate in any stock or equity investments and has limitations and restrictions, including market value adjustments (may not be applicable in all states). During the Indexed Option Period the annuity's cash withdrawal value may be less than the initial premium. Additional premium is permitted in the first contract year. For costs and complete details, contact your financial professional or the Company.

MarketProtector Advisory is not available in California.

Fixed index annuities are not available in New York.

Jackson® is the marketing name for Jackson National Life Insurance Company® and Jackson National Life Insurance Company of New York®.

The latest income date or Maturity Date allowed under an annuity contract is the owner’s age 95, which is the required age to annuitize or take a lump sum.

All indexes are unmanaged and not available for direct investment. The payment of dividends is not reflected in the index return.

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 financial professional or contact Jackson for more information. Fixed index annuities may not be suitable for everyone.