Jackson Income Assurance 10
Jackson National Life
4.75%
Best Cap
10%
Free W/D
50
States
Jackson Income Assurance 10 is a fixed index annuity designed for retirees age 50-80 who want growth potential linked to market indexes while protecting their principal. It combines a guaranteed fixed account with optional index-linked crediting methods for tax-deferred retirement income.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Index | Annual | 4.75% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.65% |
Key Features
Guaranteed Minimum Value
87.5% of premium + GMIRYour account value will never fall below 87.5% of premiums accumulated at the guaranteed minimum interest rate (0.15% to 3%), protecting your principal.
Index Interest Crediting
Various cap/rate options availableMultiple crediting methods allow you to capture market-linked interest gains with flexibility to change allocations annually without penalty.
Free Withdrawals
10% annual + RMD flexibilityWithdraw up to 10% of accumulation value annually without charges or market value adjustment, plus additional free access for required minimum distributions.
Withdrawal Charge Schedule
9.00% declining to 0.00%Charges decline from 9% in year 1 to 0% in year 10, giving you increasing liquidity over time.
Extended Care & Terminal Illness Waivers
Limited to $250,000 per waiverIf confined to a nursing home for 90 days or diagnosed with terminal illness, you may withdraw up to 100% without surrender charges.
Embedded GMWB
1.10% annual chargeGuaranteed Minimum Withdrawal Benefit provides an income floor of 1.10% annually (single or joint life).
Highlights
Combines fixed account safety with potential index-linked growth—no direct stock market exposure
10-year withdrawal charge schedule with meaningful free withdrawal allowances each year
Guaranteed minimum value protects 87.5% of your premium, accumulated at a guaranteed rate
Included waivers for extended care and terminal illness provide access to funds when you need them most
RMD-friendly design allows required minimum distributions without surrender charges
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
Best For
Retirees and near-retirees age 50-80 seeking tax-deferred growth with principal protection and who want to balance upside market potential with downside security.
Consider Alternatives If
Investors needing immediate liquidity or those unable to commit funds for the long term should avoid this product due to surrender charges and the 10-year declining surrender schedule.
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