Fixed annuities are designed to help you avoid market losses and assure a return on your investment with a guaranteed minimum interest rate,1 along with tax-deferred* growth potential and—on some products—a standard death benefit.
Your money is not in the market, so your principal is safe from market downturns.
A fixed-rate of return means your assets can continue to grow for the length of your contract. You can also defer taxes until you take income, leaving more money to grow.
Protect what you've earned and your loved ones' future with a death benefit.
A fixed annuity may be right for you if you're seeking predictable returns, a steady income option and tax-deferred growth potential without exposure to market fluctuations.
Is your portfolio as tax-efficient as it can be?
Use our tax deferral calculator to compare hypothetical outcomes between tax-deferred annuities and taxable accounts and explore how tax drag may affect long-term results.
Annuities are long-term, tax-deferred vehicles designed for retirement and are insurance contracts. 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 to the tax is met.
Our registered index-linked annuities allow you to pursue growth while also helping to protect your investment from unforseen market downturns.
*Tax deferral offers no additional value if an IRA or qualified plan, such as a 401(k), is used to fund an annuity 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.
†Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of 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.
1The guaranteed minimum interest rate (GMIR) is guaranteed for the selected guaranteed option period of 3, 5, or 7 years and will be redetermined annually thereafter. The GMIR ranges from a minimum of 1% to a maximum of 3%.
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. They are not backed by the broker/dealer from which this annuity contract is purchased, by the insurance agency from which this annuity contract is purchased, or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York.
The latest maturity date or income date allowed under an annuity contract is age 95, which is the required age to annuitize or take a lump sum.
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). Variable annuities and registered index-linked annuities are distributed by Jackson National Life Distributors LLC. 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. Discuss them with your clients or contact Jackson for more information.
Jackson® is the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company®, and Jackson National Life Insurance Company of New York®.
Products and features may be limited by state availability, and/or your selling firm's policies and regulatory requirements (including standard of conduct rules).
