Variable annuities allow you to spread your wealth across a range of investment options* which may help grow your assets, tax-deferred.†
Spreading your wealth across different types of investments may unlock the growth potential you've been waiting for.
Preparing for market ups and downs with an add-on benefit may help protect what you've earned and generate lifetime income.
Safeguard what matters most with a range of death benefit options designed to prepare your legacy wishes and protect your loved ones.
A variable annuity could be a sound option to help you bridge an income gap and provide guaranteed income while still benefitting from tax deferral and growth.
Do you have an income gap?
Try our retirement expense and income calculator to identify any potential income gaps so you can plan more confidently and explore how a variable annuity with an add-on living benefit can provide guaranteed income for life.
Variable annuities are long-term, tax-deferred investments designed for retirement, 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 benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity. There is no guarantee that a variable annuity with an add-on living benefit will provide sufficient retirement income.
A range of investment options and add-on benefits, available for an extra charge, offers ways to pursue growth, an element of protection, legacy options and lifetime income.
Jackson National Asset Management, LLC® (JNAM) is the investment management arm of Jackson responsible for selecting and monitoring the external asset managers of the JNL-Funds—a series of proprietary funds (sub-accounts) on Jackson's variable annuity platform.
Our registered index-linked annuities allow you to pursue growth while also helping to protect your investment from unforseen market downturns.
*Select up to 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 with a 15-day period.
†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.
§On the contract anniversary on or immediately following the designated life's attained age 59 ½, 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 59 ½ on the effective date of the endorsement, then the for-life guarantee becomes effective on that date.
**Add-on benefits that provide income for the length of a designated 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. The cost of these benefits may negatively impact the contract's cash value. There is no guarantee that an annuity with an add-on living benefit will provide sufficient supplemental retirement income.
††Diversification does not assure a profit or protect against loss in a declining market.
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 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.
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. Clients should rely on their 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 and do not apply to the principal amount or investment performance of a variable annuity’s separate account or its underlying investments. 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. Please see the prospectus for important information regarding the annuitization of a variable annuity contract.
Indexes are unmanaged and unavailable for direct investment. The payment of dividends is not reflected in the index return.
Fixed index annuities are also referred to as fixed annuities with index-linked interest in the contract.
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). 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.
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).
