Variable annuities
Whether it’s diversifying* a portfolio, pursuing lifetime income or preparing wealth for the next generation, we have many options to help your clients pursue their unique goals.
Give clients the freedom to invest their own way
Variable annuities help your clients spread their wealth across a wide range of investment options† which may help grow their assets, tax-deferred.‡
- Get guaranteed§ lifetime income,** at an extra cost††
- Explore estate planning options
- Pursue legacy planning and protection
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.
Clients have these needs? A variable annuity may help.
- All other states
- New York only
Perspective Family
Our wide range of investment options offers the flexibility to build and customize clients’ portfolios based on their financial needs.
Elite Access Suite®
Help clients optimize their portfolios through traditional investments, alternatives and asset allocation portfolios—while also pursuing legacy and estate planning options if needed.
Perspective Family
Our wide range of investment options offers the flexibility to build and customize clients’ portfolios based on their financial needs.
Elite Access Suite®
Help clients optimize their portfolios through traditional investments, alternatives and asset allocation portfolios—while also pursuing legacy and estate planning options if needed.
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.
*Diversification does not assure a profit or protect against loss in a declining market.
†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.
**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.
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.
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). Variable annuities and registered index-linked annuities are distributed by Jackson National Life Distributors LLC, member FINRA. These products have limitations and restrictions. Discuss them with your clients or 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).