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Fixed Indexed Annuity

Jackson Income Assurance 7 — Jackson National Life

Jackson National Life

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10%

Free W/D

50

Available jurisdictions

Product data status: October 2, 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.

rate data

Run numbers for Jackson Income Assurance 7

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

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

Built-in lifetime income (Protected Income Value)

A current headline metric is not available for this product. Confirm current terms with the carrier.

A 7-year fixed indexed annuity built around guaranteed lifetime income that is part of the chassis, not an optional rider.

AdvisorWorld + CANNEX data

Best fit

Retirees who want built-in lifetime income with a shorter commitment than the 10-year variant and don't want to pay an annual income-rider fee.

AM Best

A Excellent

Surrender period

7 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

Rate unavailable for this rider selection

Rate effective Aug 25, 2025

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · Does not vary by premium

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective Aug 25, 2025

Performance trigger

Requested state: TX

1-year term · 7-year surrender · Does not vary by premium

Fixed Account

Fixed Account

Rate unavailable for this rider selection

Rate effective Aug 25, 2025

Fixed account

Requested state: TX

1-year term · 7-year surrender · Does not vary by premium

Lifetime Income Riders

Income rider

Guaranteed Minimum Withdrawal Benefit

RMD friendly
Lifetime payout rate5.7% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up8%/yr · compound · for up to 10 years

Product analyst notes

How to think about this contract

Why it can stand out

  • Same built-in lifetime income chassis as the 10-year sister product, with a shorter 7-year surrender commitment.
  • Broad state coverage — available in every U.S. state plus DC except New York.
  • Annual free-withdrawal allowance plus nursing-home and terminal-illness waivers provide a meaningful liquidity floor for buyers who tap the contract early.
  • 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

  • Index caps on the S&P 500 strategies are tighter than on Jackson's MarketProtector accumulation chassis — pricing funds the income guarantee, not maximum growth.
  • Surrender charges on a 7-year ladder are still meaningful in the early years; the schedule is shorter than the 10-year sibling but the first-year cost is similar.
  • PIV roll-up and lifetime payout factors are governed by the contract — confirm 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.

Not ideal for

New York buyers, anyone chasing the highest index cap, or buyers who would never tap the built-in income — most of what they pay for goes unused.

Free Comparison Report

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See how Jackson Income Assurance 7 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 (2 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Rate unavailable for this rider selection · 1-yr

Fixed Account

Fixed account

Requested state: TXRate effective Aug 25, 20257-yr surrenderDoes not vary by premium

Rate unavailable for this rider selection · 1-yr

S&P 500 Index

Point-to-point

Requested state: TXRate effective Aug 25, 20257-yr surrenderDoes not vary by premium

Income riders

Income rider

Guaranteed Minimum Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.7%
Annual rider fee1.1%
Guaranteed roll-up8%/yr · compound · for up to 10 years
Deferral assumed10 years
Issue age50 — 80
Joint availabilityJoint life

GMWB

Income rider

Guaranteed Minimum Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate4.95%
Annual rider fee1.1%
Guaranteed roll-up8%/yr · compound · for up to 10 years
Deferral assumed10 years
Issue age50 — 80
Joint availabilityJoint life

GMWB

Common questions about Jackson Income Assurance 7

● Can I project accumulation for Jackson Income Assurance 7 with the rates shown?

The available data does not support a standalone accumulation projection for this selection. Published portfolio components and contract terms remain listed on this page. Confirm the complete allocation and current crediting terms with the carrier.

● 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 published roll-up (8%/yr · compound · for up to 10 years) and 5.7% 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 7 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.

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

3.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

3.00%

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

Certain period, Joint life, Single life

Published payout options from the normalized contract facts.

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%

After

0%

Nursing home waiver, Terminal illness waiver

Documents

brochure

jmf110994.pdf

Confidence: highReviewed Apr 4, 2026

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

Carrier Ratings

AM BestA
FitchA
Moody'sA2
S&PA

Contract notes from product data

Income rider language

What to look for before treating the rider as income

Guaranteed Minimum Withdrawal Benefit is the main income rider listed 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.

  • 5.7% withdrawal rate
  • 1.1% rider fee
  • 10 deferral years
  • RMD friendly
  • Joint life availability

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
  • 7 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 jmf110994.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 7 compares for your age, state, premium, and income goals alongside other Jackson National Life fixed indexed annuity options.

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