Fixed index annuities
Market downturns can be setbacks for those nearing retirement. But not investing can be risky as well. Help clients pursue growth and principal protection at the same time.
Help manage risk and take advantage of up markets
Fixed index annuities are retirement products designed to help protect from market downturns while pursuing growth to help outpace inflation.
- Pursue growth, based on an index
- Protect principal
- Get guaranteed* lifetime income,† at an extra cost‡
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. Fixed index annuities are also referred to as fixed annuities with index-linked interest in the contract.
Add-on living benefits are available for an extra charge and may be subject to conditions and limitations and there is no guarantee that an annuity with an add-on living benefit will provide sufficient supplemental retirement income.
Clients have these needs? A fixed index annuity may help.
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Give your clients the opportunity to grow their assets tax deferred, generate guaranteed income for life and help provide for their loved ones through a death benefit.
Match clients’ goals with products that could help get them there
Use Product Match Pro, our quick and easy matching tool, to help address clients' aspirations.
- Start a conversation with your clients about their needs
- Identify annuity options that align with those needs
- Show clients the importance of planning for retirement
To see other options, check out these annuities
We understand that a certain annuity doesn’t always work for certain plans. It’s why we offer many types to fit the unique needs of your clients.
*Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company.
†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.
‡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.
§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.
**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.
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. 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.
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.
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.
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 benefits are available for an extra charge in addition to the ongoing fees and expenses of the 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.
Fixed index annuities are issued by Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and distributed by Jackson National Life Distributors LLC, member FINRA. Not available in all states and state variations may apply. Depending on the product, an additional premium may be permitted in the first contract year. These products are fixed annuities that do not participate in any stock or equity investments. Limitations and restrictions apply, including withdrawal charges, recapture charges, or market value adjustments (MVA) on some products. Recapture charges and MVA may not apply in all states. During the indexed option period, the annuity's cash withdrawal value may be less than the initial premium. For costs and complete details, contact your representative or the Company.
All indexes are unmanaged and not available for direct investment. The payment of dividends is not reflected in the index return.
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.
Jackson® is the marketing name for Jackson Financial Inc. and 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).