Excluding New York
New York Only

Protected lifetime income

A Perspective Family variable annuity allows you to choose from our Flex Suite of living benefit options, (add-on benefits) that can help provide guaranteed income^§ for life.

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.

Add-on living benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity and may be subject to conditions and limitations.

Flex Suite of add-on living benefits

	Customize growth with FLEX	Enhance steady income with FLEX NET	Accelerate initial income with FLEX STRATEGIC INCOME	Balance income and legacy with FLEX DB
Guaranteed income growth
Customizable income growth options
Boost steady income with extra access to earnings
More income upfront to help in early retirement
Combine both income and legacy protections
Explore income options	Perspective II Income Stream Comparison Perspective Advisory II Income Stream Comparison
For additional information on our Flex Suite of add-on living benefits, please refer to our product literature.

^§On the contract anniversary on or immediately following the designated life's attained age 59½, the for-life guarantee becomes effective provided: 1) the contract value is greater than zero and 2) the contract has not been annuitized. If the designated life is age 59½ on the effective date of the endorsement, then the for-life guarantee becomes effective on that date.

The principal value of a variable annuity will fluctuate based upon the performance of the underlying investment options and investors may experience losses if assets are withdrawn for purposes other than retirement income.

There is no assurance a variable annuity with an add-on living benefit will provide sufficient supplemental income in retirement. Add-on benefits may be subject to limitations and conditions.

Retirement expense & income calculator

Our Retirement Expense and Income calculator helps to detect areas that may need improvement by assessing your current and future expenses, along with a proposed solution based on any retirement income gaps.

Calculate retirement expenses & income

Balance income with legacy

A Perspective Family variable annuity allows you to choose from various death benefit options, available for an additional charge, that are designed to help your loved ones avoid the time-consuming and expensive process of probate and provide tax-efficient wealth transfer.

Variable annuity add-on death benefits

	Return of Premium^‡‡	Roll-up	Highest Quarterly Anniversary Value (HQAV)	Combination Roll-up and Highest Quarterly Anniversary Value
Give what you put in^*
Guaranteed^†† growth
Lock in quarterly market growth each year
Explore death benefit options	Perspective II Death Benefit Comparison Perspective Advisory II Death Benefit Comparison
For additional information on our add-on death benefits, please refer to our product literature.

^*Give what you put in, reduced by what you take out.

^††Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and do not apply to the principal amount or investment performance of a variable annuity's separate account or its underlying investments.

^‡‡Return of Premium is the standard death benefit for Perspective II.

Protected lifetime income

A Perspective Family variable annuity allows you to choose from our Flex Suite of living benefit options, available for an additional charge, that can help provide guaranteed income^§ for life.

Add-on living benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity and may be subject to conditions and limitations.

New York Flex Suite of add-on living benefits

	Customize growth with FLEX	Enhance steady income with FLEX NET	Balance income and legacy with FLEX DB NY
Guaranteed income growth
Customizable income growth options
Boost steady income with extra access to earnings
Combine both income and legacy protections
Explore income options	Perspective II Income Stream Comparison Perspective Advisory II Income Stream Comparison
For additional information on our Flex Suite of add-on living benefits, please refer to our product literature.

There is no assurance a variable annuity with an add-on living benefit will provide sufficient supplemental income in retirement. Add-on benefits may be subject to limitations and conditions.

Balance income with legacy

A Perspective Family variable annuity allows you to choose from various death benefit options designed to help your loved ones avoid the time-consuming and expensive process of probate and provide tax-efficient wealth transfer.

New York variable annuity add-on death benefits

	Return of Premium^††	Highest Anniversary Value (HAV)
Give what you put in^*
Lock in annual market growth each year
Explore death benefit options	Perspective II Death Benefit Comparison Perspective Advisory II Death Benefit Comparison
For additional information on our add-on death benefits, please refer to our product literature.

^*Give what you put in, reduced by what you take out.

^††Return of Premium is the standard death benefit for Perspective II.