A registered index-linked annuity (RILA), which is an insurance contract, gives you the choice of how to prioritize your growth opportunities while limiting the amount of loss you're willing to take on. You choose from multiple index options, protection levels, and other ways to achieve your potential growth.
You can take advantage of the tax-deferred* growth potential that is measured by the return of a market index.
Determining the level of protection you need may help cover you during small or large market downturns.
Multiple options to customize how you could grow your money for retirement.
A registered index-linked annuity is a long-term, tax-deferred vehicle designed for retirement. It is an insurance contract that is subject to investment risk, its value will fluctuate, and loss of principal is possible. 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.
*Tax deferral offers no additional value if an IRA or a 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.
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 at Jackson.com/ProspectusJMLP for the Jackson Market Link Pro prospectus, Jackson.com/ProspectusJMLP2 for the Jackson Market Link Pro II prospectus, Jackson.com/ProspectusJMLP2NY for the Jackson Market Link Pro II (New York) prospectus, Jackson.com/ProspectusJMLPA for the Jackson Market Link Pro Advisory prospectus, Jackson.com/ProspectusJMLPA2 for the Jackson Market Link Pro Advisory II prospectus, or Jackson.com/ProspectusJMLPA2NY for the Jackson Market Link Pro Advisory II (New York) prospectus.
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.
Impact of withdrawals:
Withdrawals may be subject to withdrawal charges or market value adjustments (MVA) and the interim value adjustment may apply.
Withdrawals before the end of a term are subject to an interim value adjustment. The interim value adjustment may have a positive or negative impact on the contract value at the end of the term which may be significant.
For Jackson Market Link Pro and Jackson Market Link Pro II, withdrawal charges will apply to withdrawals during the first six years of the contract which will result in reduced contract value. The withdrawal charge schedule is 8%, 8%, 7%, 6%, 5%, 4%, 0%.
For Jackson Market Link Pro Advisory and Jackson Market Link Pro Advisory II, a market value adjustment (MVA) will be applied to certain amounts withdrawn or annuitized during the first six contract years. The MVA may results in an increase or decrease to amounts removed from the contract.
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.
Indexes are unmanaged and unavailable for direct investment. The payment of dividends is not reflected in the index return.
Registered index-linked annuities (contract form numbers RILA280, RILA280-CB1, RILA282, RILA282-CB1, RILA285, RILA285-FB1, RILA287, RILA287-FB1, RILA290, RILA290-CB1, RILA292, RILA292-CB1, RILA295, RILA295-FB1, RILA297, RILA297-FB1) are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York (contract form numbers RILA290NY, RILA290NY-CB1, RILA292NY, RILA292NY-CB1, RILA295NY, RILA295NY-FB1, RILA297NY, RILA297NY-FB1) are issued by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York) and distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states and state variations may apply. These products have limitations and restrictions, including withdrawal charges or market value adjustments. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your financial professional 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®.
Firm and state variations may apply. Additionally, products may not be available in all states.
