A new generation of annuities is designed for a fee-based advisory relationship where you can debit advisory fees from annuity contracts. These products are designed to help clients pursue wealth accumulation and preservation, tax mitigation, wealth transfer, income generation and risk management within the context of a holistic financial plan.
Product |
MarketProtector Advisory® | Jackson Market Link Pro® Advisory II | Perspective Advisory II® |
Jackson Retirement Investment Annuity® |
|
|---|---|---|---|---|---|
Product Type |
Fixed Index Annuity | Registered Index- Linked Annuity |
Variable Annuity | Variable Annuity | Variable Annuity |
| Features |
|
|
|
|
|
| Add-on Benefits |
✓ YES | ✓ YES† | ✓ YES | ✓ YES | ✓ YES |
| Core Product Expense‡ |
N/A§ | N/A§ | 0.45%-1.30% | $0 or $20/month** | 0.40% |
| Add-on Benefit Expense‡ |
1.10% - 1.25% | 1.45% | 0.20% - 2.15% | 0.35%-1.00% | 0.20%-0.80% |
*Select up to a maximum of 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 are not available on Jackson Market Link Pro Advisory II in New York.
‡Expense ranges exclude New York products.
§A market value adjustment (MVA) may apply to withdrawals from 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 interim value adjustment may have a positive or negative impact on the contract value at the end of the term, which may be significant.
**The standard $20 monthly charge is waived for quarterly anniversary value of $250,000 or more.
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 living 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 a variable annuity with an add-on living benefit will provide sufficient supplemental retirement income.
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.
Firm and state variations may apply. Additionally, products may not be available in all states.
Designed to be an accumulation product with no monthly contract charge that helps clients prepare for any market condition by offering access to a retirement portfolio that's designed to meet different economic challenges. The standard $20 monthly contract charge is waived for quarterly anniversary contract values of $250,000 or more. Subaccount charges still apply. Advisory fees may apply.
For additional information, please refer to the current prospectus for Elite Access Advisory II and Elite Access Advisory II New York.
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When it comes to answering questions and offering assistance with care and clarity, our Customer Care Center is one of the best in the business.†
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*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.
†SQM (Service Quality Measurement Group) Call Center Awards Program for 2004 and 2006-2023. (Criteria used for Call Center World Class FCR Certification is 80% or higher of customers getting their contact resolved on the first call to the call center (FCR) for 3 consecutive months or more.)
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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.
For Variable Annuity Products:
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: VA730NY, VA730NY-FB1, 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 financial professional or contact Jackson for more information.
For Registered Index-Linked Annuity Products:
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/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. Please read the prospectus carefully before investing or sending money.
Registered Index-Linked Annuities (contract form numbers 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 RILA295NY, RILA295NY-FB1, RILA297NY, RILA297NY-FB1) by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York). Registered index-linked annuities are distributed by Jackson National Life Distributors LLC, member FINRA. These products have limitations and restrictions, including market value adjustments and an interim value adjustment. Market value adjustments are not applied in New York. Jackson issues other annuities with similar features, benefits, limitations, and charges. Discuss them with your financial professional, or contact Jackson for more information.
For Fixed Index Annuity Products:
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®.
Firm and state variations may apply. Additionally, products may not be available in all states.