Fee-based annuities

^*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.

^†The advisory fee may be higher than what a client would pay if they purchased a comparable commission-based annuity.

^‡With variable annuities, a contract charge and subaccount charges apply. Add-on 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. There is no guarantee that an annuity with an add-on living benefit will provide sufficient supplemental retirement income. A market value adjustment (MVA) may apply to withdrawals from the fixed index annuities and registered index-linked annuities. The MVA may result in an increase or decrease to amounts removed from the contract. Additionally, withdrawals from registered index-linked annuities may be subject to an interim value adjustment.

^§The cost of an advisor’s fees should be considered, which are based on the total assets in the fee-based program.

^**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 within a 15-day period.

^††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.

^‡‡Lifetime income of the add-on benefit 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.

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

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

The concierge team operates as part of Jackson National Life Distributors LLC (“JNLD”). JNLD is a wholly owned subsidiary of Jackson National Life Insurance Company (collectively, with its affiliates “Jackson”) and distributes annuities issued by Jackson. JNLD’s primary activities involve the distribution of annuities, insurance, and mutual funds issued by Jackson and its affiliates through financial intermediaries. JNLD offers limited brokerage services and makes recommendations to retail investors who are referred to it by fiduciaries such as trust companies and registered investment advisers. JNLD and its concierge team’s financial professionals are not a fiduciary with respect to the recommendations and do not maintain a fiduciary relationship with your clients. JNLD does not make investment decisions for your clients or provide ongoing investment advice, monitor investments, or hold customer accounts or assets. JNLD forwards your client’s product application to Jackson, the insurance carrier. Your client’s investment is held direct by Jackson, not in an account at JNLD. Upon acceptance of the application by Jackson, JNLD’s relationship with your client ends.

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 Jackson representative 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. 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.

Important variable annuity disclosure:

Jackson Retirement Investment Annuity^® is not available in New York.

Variable and fixed annuities (contract form numbers VA730, VA730-FB1, ICC20 VA730, ICC20 VA730-FB1, VA790, VA790-FB1, ICC17 VA790, ICC17 VA790-FB1, VA785, VA785-FB1, ICC18 VA785 and ICC18 VA785-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York (contract numbers VA790NY, VA790NY-FB1, VA785NY and VA785NY-FB1) issued 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. These products have limitations and restrictions. Jackson issues other variable annuities with similar features, benefits, limitations, and charges. Discuss them with your clients or contact Jackson for more information.

Important registered index-linked annuity disclosure:

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 Jackson.com/ProspectusJMLPA3. Please read the prospectus carefully before investing or sending money.

Jackson Market Link Pro^® Advisory III is not available in New York.

Registered index-linked annuities (contract form numbers ICC24 RILA305, ICC24 RILA305-FB1, ICC24 RILA307, ICC24 RILA307-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC, member FINRA. These products have limitations and restrictions, including market value adjustments and an interim value adjustment. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your clients or contact Jackson for more information.

Important fixed index annuity disclosure:

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

Fixed index annuities (contract form numbers FIA265, FIA265-FB2, ICC19 FIA265, ICC20 FIA265-FB2) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC, member FINRA. These products are fixed annuities that do not participate in any stock or equity investments and have limitations and restrictions, including market value adjustment. 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 Jackson. Premium payments are flexible in the first contract year only, subject to contract minimums and maximums. Subsequent premiums will remain in a fixed account option until the first indexed option anniversary. No premium payments will be accepted after the first contract anniversary.

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^®, 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).