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; 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 preservation of principal, growth potential, or guarantees to help provide income and legacy, Jackson® offers annuities specifically designed for fee-based financial professionals, with no commissions or withdrawal charges*.

This arrow chart shows potential risk compared to the potential reward of different product types, which are displayed as follows: Fixed annuities are the lowest potential risk, and the lowest potential reward; Fixed index annuities are slightly higher risk and slightly higher reward, and offer add-on lifetime income benefits; Registered index-linked annuities are even higher potential risk and higher potential reward; variable annuities are the highest potential risk and the highest potential reward, and offer lifetime income benefits.

What is an Annuity?

An annuity is a long-term, tax-deferred vehicle designed for retirement. Variable annuities and registered index-linked annuities involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax for withdrawals before age 59½ unless an exception ot the tax is met.

Add-on benefits are available for an additional charge.  There is no assurance an annuity with an add-on living benefit will provide sufficient supplemental income in retirement.

*With variable annuities a contract charge and subaccount charges will apply. Market value adjustment may apply to withdrawals from fixed index and registered index-linked annuities.

 

 

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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.

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 o=in other investment products. It also may not be available if the annuity is owned by a legal entity such as a corporation or certain types of trusts.

Add-on benefits that provide income for the length of the covered life and/or lives may be available for an additional charge. The amount of income that these benefits may provide can vary depending on the 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 contract's cash value. 

Registered index-linked annuity

A registered index-linked annuity (RILA), which is an insurance contract, gives your clients the choice of how to prioritize their growth opportunities, while limiting the amount of loss they're willing to take on. Clients can choose from multiple index options, protection levels, and other ways to achieve their potential growth.

Jackson Market Link Pro Advisory℠ at a glance:

  • Grow your assets - you can take advantage of the tax-deferred growth potential that is measured by the return of a market index. 
  • Protect your principal - determining the level of protection you need may help cover you during small or large market downturns.
  • Invest your way - multiple options to customize how you grow your money for retirement.

Explore Jackson Market Link Pro Suite

Help your clients prepare for their future with potential growth opportunities. Our Market Link Pro Suite tool can help you assess your client's unique situation by:

  • Aligning a solution to their retirement needs.
  • Viewing scenarios of Market Link Pro in action.
  • Customizable options to reflect their goals for retirement. 

Variable annuity

Tax-deferred investing with available income & legacy protection

For clients looking to improve tax inefficiencies through asset location, Jackson Retirement Investment Annuity℠ is designed specifically for RIAs to be more cost effcient, less complex and provide access to add-on benefits. It also combines diversified, instituionally priced investment options with the benefit of tax deferral—and no withdrawal charges.

Jackson Retirement Investment Annuity at a glance

  • A simplified approach to tax-deferred investing – is designed through careful collaboration with money-management firms providing a wide-range of asset classes and a' la carte investment options from reputable firms.
  • Income protection§ - available for one covered life designed to address sequence of returns risk and longevity risk by providing consistent income that you can't outlive.
  • Legacy benefits – allow you to leave annuity assets to heirs, equal to what was invested adjusted by withdrawals and potentially 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.

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.

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 95 years, the market has experienced:

  • 70 years of positive returns 
  • 25 years of negative returns 

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 legal entity such as a corporation or certain types of trusts.

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

§Lifetime income of the add-on lifetime benefits available with variable annuities becomes effective at issue if the designated life is age 59½ (65 for Jackson +Protect) at issue, or upon the contract anniversary following designated life's 59½ (65 for Jackson +Protect) birthday, provided the contract value is greater than zero and has not been annuitized. Jackson +Protect is not available in New York.

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.

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

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 much of 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 Perspective Advisory II®, a variable annuity with no commission, no withdrawal charges, and institutional share-class pricing. Unlike many other variable annuities, fiduciaries are able to tailor a client's allocation to their risk tolerance with no investment restrictions or volatility control§. Add-on 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 -  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.

LifeGuard Freedom Accelerator®

  • Straightforward option for clients to protect their retirement income needs.
  • The longer your clients wait,  the more they 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

Income Stream Value®

  • Protected lifetime income at a reasonable price - this benefit allows for 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 may enhance 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.

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

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.

§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.

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

You 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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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. Tax laws are complicated and subject to change. Tax results may depend on each taxpayer’s individual set of facts and circumstances. You should rely on your own independent advisors as to any tax, accounting, or legal statements made herein.

Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York. .  For variable annuities, guarantees 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:

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 Jackson representative or the Company to obtain the prospectuses.  Please read the prospectuses carefully before investing or sending money.

Jackson Retirement Investment Annuity Variable and Fixed Annuity (VA730, VA730-FB1, ICC20 VA730, ICC20 VA730-FB1) and Perspective Advisory II Variable and Fixed Annuity (VA790, VA790-FB1, ICC17 VA790, ICC17 VA790-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York (VA730NY, VA730NY-FB1), (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. This contract has limitations and restrictions. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your financial professional or 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.

Jackson issues other annuities with similar features, benefits, limitations, and charges. Contact Jackson for more information.

MarketProtector Advisory® Individual Modified Single Premium Deferred Fixed Annuity With Index-Linked Interest Option and Market Value Adjustment (contract form numbers FIA265, FIA265-FB2, ICC19 FIA265, ICC20 FIA265-FB2) 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.

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

MarketProtector Advisory is not available in California and New York.

For Registered Index-Linked Annuity Products:

This material is authorized for use only when preceded or accompanied by the current contract prospectus.  Before investing, investors should carefully consider the investment objectives and risks of the registered index-linked annuity.  This and other important information is contained in the current contract prospectus at Jackson.com/ProspectusJMLPA for the Jackson Market Link Pro Advisory prospectus. Read the prospectus carefully before investing or sending money.

Withdrawals may be subject to market value adjustments (MVA) and the Interim Value calculation may apply.

Registered index-linked annuities (contract form numbers RILA285, RILA285-FB1, RILA287, RILA287-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and 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, including withdrawal charges or market value adjustments. Jackson issues other annuities with similar features, benefits, limita­tions, and charges. Discuss them with your financial professional or contact Jackson for more information.

Jackson Market Link Pro Advisory is not available in Nebraska, New York, and Oregon.

Firm and state variations may apply.

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