Jackson Income Assurance Suite

JIA111247 08/25

Overview
JIA111248 08/25

Product highlights
JIA111249 08/25

Income tool

Grow income. Preserve capital.

A fixed index annuity that can help bridge the gap between what you have and what you need with an embedded living benefit that provides guaranteed^* lifetime income.^†

Product highlights

Protected income for life

No matter how long you live or how the market performs.

Capital preservation

Avoid market volatility and keep what you earn.

Tax advantages

Keep more of what's yours through tax deferral.^‡

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Get income when you need it most

Help ease some of the financial worry with guaranteed lifetime income. Here's how it works:

1. Set your baseline.
Your starting guaranteed annual withdrawal amount percentage (GAWA%) is determined by your age at issue date.

2. The GAWA% generally grows each year you don't take income.
Choosing the right time to start taking retirement income isn't easy. But if you wait to take income, the payout could be bigger.

Explore income options

Get income when you need it most

Choosing the right time to start taking retirement income isn't easy. But if you wait to take income, the payout could be bigger. Jackson Income Assurance Suite of fixed index annuities offer guaranteed^* lifetime income^† that gives you regular payments for life, no matter how long you live or how the market performs.

Explore income options

depicts a chart with market growth on the vertical axis and protection against market losses on the horizontal axis. range of returns increases with positive market performance.

Help protect your retirement with potential for growth

Jackson Income Assurance Suite can offer a balance between growth potential through index and crediting method options, and help protecting you from losses that can result from participating in equity markets.

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

Keep more of what's yours through tax deferral

As tax-deferred^‡ fixed index annuities, Jackson Income Assurance Suite can help maximize growth potential by delaying taxes associated with earnings.

Access tax deferral calculator

IMPORTANT: This material is for educational purposes only and is not intended to be a product illustration nor should it be used as such. Please contact your financial professional for a specific product illustration. The projections or other information generated by by this tool are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results are based on the values provided and may vary due to the user input and assumptions and are subject to change with each use and over time.

Methodologies and defintions:
Premium Bonus: An additional amount credited to the benefit base upon receipt of premium.

Activation of income (Activation Date): The date when withdrawals under the benefit begin. You must notify Jackson of the Activation Date.

Guaranteed Annual Withdrwal Amount (GAWA) Percentage: The percentage (of the benefit base) used to determine the maximum amount you can withdraw each Contract Year without reducing the amount you can withdraw under the benefit in future years.

Roll-up: An annual amount added to the benefit base each contract anniversary during the roll-up period.

Effective Distribution Rate - This is the withdrawal rate in relation to the initial premium that the client would effectively receive. The effective distribution rate is equal to the annual income divided by the initial premium. The annual income amount equals the benefit base (initial premium plus premium bonus and roll-ups) multipled by the GAWA percentage.

Benefit Base: The value upon which the benefit charge and annual income values are based.

This information may help you analyze your financial needs. This service shall not infer that the company assumes any fiduciary duties. In addition, such service should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy.

An investor should consider his or her current and anticipated investment horizon and income tax bracket when making an investment decision, as the hypothetical example does not reflect these factors. The results do not reflect the impact of Required Minimum Distributions (RMD).

Financial calculators and financial information provided are for general information and education purposes only. Accuracy of the calculators and their applicability to your circumstances is not guaranteed. Please keep in mind that it is possible to lose money and not achieve the objectives of the calculators. The rates and information reflected in the calculator are not guaranteed and/or are subject to change. Jackson and its affiliates are not responsible for the consequences of any decisions or actions taken as a result of the information provided by these calculators.

Impact of withdrawals:
This tool assumes no withdrawals or charges are taken.

Withdrawals before the end of the market value adjustment period (MVA period) may be subject to market value adjustment, which is a positive or negative adjustment to amounts removed from the contract due to withdrawals during the MVA period. The MVA period is 7- or 10-years depending on the product version.

For Jackson Income Assurance 7 and Jackson Income Assurance 10, withdrawal charges will apply to withdrawals during the first 7- or 10-years of the contract, which will result in a reduced contract value. Withdrawal charges as a percentage of remaining premium.

The withdrawal charge schedule is 9%, 8.25%, 7.25%, 6.50%, 5.50%, 4.50%, 3.75%, 0% for Jackson Income Assurance 7 and 9% 8.25%, 7.25%, 6.50%, 5.50%, 4.50%, 3.75%, 2.75%, 1.75%, 0.75%, 0% for Jackson Income Assurance 10.

CalcXMLCalculators For Websites is not affiliated with Jackson National Life Distributors LLC.

What is a fixed index annuity?

Fixed index annuities are long-term, tax-deferred vehicles designed for retirement, combining the advantages of a traditional fixed annuity with the potential for additional interest linked to the return of an index. 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. The embedded living benefit is included with a charge and may be subject to conditions and limitations. There is no guarantee that an annuity with a living benefit will provide sufficient supplemental retirement income.

^*Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company. 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.

^†The for life guarantee becomes effective on the issue date of the contract.

^‡Tax deferral offers no additional value if an IRA or a 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.

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.

Guaranteed minimum value is credited daily and adjusted for withdrawals. The guaranteed minimum interest rate (GMIR) is declared each calendar year and will fall between 0.15% to 3%. Once a contract is issued, the guaranteed minimum interest rate will not change.

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.

Jackson applies a market value adjustment (MVA) to certain amounts withdrawn during the MVA period. The MVA may result in an increase or decrease to amounts withdrawn, increasing or decreasing the amount paid. In no event will a full withdrawal be less than the guaranteed minimum value. Please see the contract disclosure for details regarding the calculation of MVA.

Fixed index annuities are also referred to as fixed annuities with index-linked interest in the contract.

Fixed index annuities are not available in New York.

Jackson Income Assurance Suite of fixed index annuities (contract form numbers FIA280, ICC25 FIA280, FIA280-CB1, ICC25 FIA280-CB1, FIA285, ICC25 FIA285, FIA285-FB1, ICC25 FIA285-FB1) are issued by Jackson National Life Insurance Company^® (Home Office: Lansing, Michigan) and are distributed by Jackson National Life Distributors LLC. These products are fixed annuities that do not participate in any stock or equity investments and have limitations and restrictions, including withdrawal charges and/or market value adjustment (may not be applicable in all states). During the withdrawal charge period and/or market value adjustment period, the annuity's cash withdrawal value may be less than the initial premium. Additional premium is permitted in the first contract year. Premium payments are flexible in the first contract year only, subject to contract minimums and maximums. Subsequent premiums will remain in a fixed account until the first contract anniversary. No premium payments will be accepted after the first contract anniversary.

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, minimum Caps/Rates, and charges. Similar products with different features, limitations and with either higher or lower Caps/Rates may be available through other broker-dealers. Fixed annuities with index-linked interest may not be suitable for everyone.

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

Jackson^® is the marketing name for Jackson Financial Inc., Jackson National Life Insurance Company^®.

Products and features may be limited by state availability, and/or your selling firm's policies and regulatory requirements (including standard of conduct rules).

Jackson Income Assurance^℠Suite

Grow income. Preserve capital.

Product highlights

Get income when you need it most

Help bridge the gap between "have" and "need"

Get income when you need it most

Help protect your retirement with potential for growth

Keep more of what's yours through tax deferral

Explore income options

What is a fixed index annuity?

Product literature

RESOURCES

CONNECT

EXPLORE

Jackson Income Assurance℠ Suite

Product highlights

Get income when you need it most

Help bridge the gap between "have" and "need"

Get income when you need it most

Help protect your retirement with potential for growth

Keep more of what's yours through tax deferral

Explore income options

Connect with a representative

What is a fixed index annuity?

Product literature

RESOURCES

CONNECT

EXPLORE

Jackson Income Assurance^℠Suite