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Fixed Indexed Annuity

Jackson Income Assurance 10

Jackson National Life

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4.75%

Best S&P 500 Annual Cap

10%

Free W/D

50

Available jurisdictions

Product data status: July 15, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Jackson Income Assurance 10 would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of July 15, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$214,873
Est. value at age 80 (Jackson Income Assurance 10)
4.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 4.75% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Jackson Income Assurance 10's published cap rate (4.75% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 15, 2026.

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See how Jackson Income Assurance 10 compares for your age, state, premium, and income goals alongside other Jackson National Life fixed indexed annuity options.

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Live rate data

Run live numbers for Jackson Income Assurance 10

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Jackson National Life product.

Live product data

Rates as of July 15, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Built-in lifetime income (Protected Income Value)

4.75% cap on S&P 500

A 10-year fixed indexed annuity built around guaranteed lifetime income that is part of the chassis, not an optional rider.

Built-in income — no rider fee1-year term10-year surrenderDoes not vary by premiumAdvisorWorld + CANNEX data

Best fit

Retirees who want a lifetime income guarantee they don't have to elect or pay an annual rider charge for, and who can leave money committed for the full 10-year surrender period.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Minimum premium

$25,000

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.75% cap rate

Annual cap

1-year term · 10-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

4.4% trigger rate

Performance trigger

1-year term · 10-year surrender · Does not vary by premium

Fixed Account

Fixed Account

2.65% declared rate

Fixed account

1-year term · 10-year surrender · Does not vary by premium

Lifetime Income Riders

Income rider

Guaranteed Minimum Withdrawal Benefit

Lifetime payout rate4.8% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up8%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income is built in — no separate rider election or rider fee is required to keep the income guarantee.
  • Broad state coverage — available in every U.S. state plus DC except New York.
  • Nursing-home and terminal-illness waivers free up the full account value before the 10-year surrender period ends, in qualifying circumstances.
  • Jackson National carries an A-level rating from all four major financial-strength agencies (A.M. Best, Fitch, S&P, Moody's).

What to confirm

  • The 10-year surrender ladder is long and drops slowly — early access beyond the published free-withdrawal allowance is expensive.
  • Index caps and trigger rates on the S&P 500 strategies are modest because pricing is steered toward funding the built-in income guarantee, not maximum accumulation growth.
  • Built-in PIV income mechanics — the exact roll-up and lifetime payout factors — are governed by the contract; verify the current PIV terms with Jackson before locking in.
  • Not available in New York — buyers in NY have to look at a different filing.
  • No premium bonus and no return-of-premium feature beyond standard contract language.

Not ideal for

New York buyers, anyone who wants maximum index growth or full liquidity, or anyone who would not use the built-in lifetime income — the product is priced around the income guarantee they would be giving up.

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See how Jackson Income Assurance 10 compares for your age, state, premium, and income goals alongside other Jackson National Life fixed indexed annuity options.

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All crediting strategies

View rate listings (3 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Cap: 4.75% · 1-yr

S&P 500 Index

cap

10-yr surrenderDoes not vary by premium

Trigger: 4.4% · 1-yr

S&P 500 Index

trigger

10-yr surrenderDoes not vary by premium

Fixed: 2.65% · 1-yr

Fixed Account

fixed

10-yr surrenderDoes not vary by premium

Income riders

Income rider

Guaranteed Minimum Withdrawal Benefit

Lifetime withdrawal rate4.8%
Annual rider fee1.1%
Guaranteed roll-up8%/yr
Deferral assumed10 years

GMWB

Common questions about Jackson Income Assurance 10

● Can I lose money in Jackson Income Assurance 10?

A negative index return by itself does not reduce the contract's account value: Jackson Income Assurance 10 credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● Is the Guaranteed Minimum Withdrawal Benefit income rider worth the 1.1% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 8% roll-up and 4.8% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 10 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Jackson Income Assurance 10's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Jackson Income Assurance 10 strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Return of Premium Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Cap-rate floor

3.05%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

3.05%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

2.40%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

100.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single and joint

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Yr 1

9%

Yr 2

8.25%

Yr 3

7.25%

Yr 4

6.5%

Yr 5

5.5%

Yr 6

4.5%

Yr 7

3.75%

Yr 8

2.75%

Yr 9

1.75%

Yr 10

0.75%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

jmf110879.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
S&PA
Moody'sA2
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Jackson Income Assurance 10 currently shows 3 indexed or fixed crediting options, including S&P 500 Index and Fixed Account. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 4.75% annual cap
  • S&P 500 Index: 100% annual participation rate
  • Fixed Account: 2.65% fixed account rate

Income rider language

What to look for before treating the rider as income

Guaranteed Minimum Withdrawal Benefit is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 4.8% withdrawal rate
  • 1.1% rider fee
  • 10 deferral years

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as jmf110879.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

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See how Jackson Income Assurance 10 compares for your age, state, premium, and income goals alongside other Jackson National Life fixed indexed annuity options.

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