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Fixed Indexed Annuity

Jackson Income Assurance Advisory 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 Advisory 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), fee-based wrapper

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

An advisory-share, no-surrender fixed indexed annuity with built-in lifetime income, designed for fee-based advisor accounts.

AdvisorWorld + CANNEX data

Best fit

Clients of a fee-based advisor who want guaranteed lifetime income wrapped inside their managed-account structure with full contract liquidity.

AM Best

A Excellent

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 · Surrender term not shown · 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 · Surrender term not shown · 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 · Surrender term not shown · 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

  • No surrender-charge schedule — the contract is fully liquid from day one, suited to fee-based advisory accounts.
  • Built-in PIV lifetime income without an annual rider charge layered on top of the advisor's management fee.
  • Index caps on the S&P 500 strategies run higher than the commission 7-year variant because pricing isn't carrying a commission load.
  • Broad state coverage — available in every U.S. state plus DC except New York.

What to confirm

  • Sold only through fee-based advisor channels; the advisor charges an asset-based management fee on the contract.
  • PIV roll-up and lifetime payout factors are governed by the contract — confirm current PIV terms with Jackson before locking in.
  • Caps are still calibrated to fund the income guarantee, not pure accumulation.
  • Terminal-illness waiver only — no nursing-home liquidity waiver.
  • Not available in New York — fee-based clients in NY have to look at a different filing.

Not ideal for

New York buyers, anyone without a fee-based advisor relationship, or buyers who would rather have a commission contract with floor-rate protection and a defined surrender schedule.

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See how Jackson Income Assurance Advisory 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, 2025Does 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, 2025Does 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 Advisory 7

● Can I project accumulation for Jackson Income Assurance Advisory 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.

Key Features

Free withdrawal

10%/yr

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

Surrender waivers

1

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 0

0%

After

0%

Terminal illness waiver

Documents

brochure

Jackson - Income Assurance Advisory 7 Fixed Indexed Annuity - Brochure (Suite).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
  • Terminal illness waiver

Verification note

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

Carrier materials such as Jackson - Income Assurance Advisory 7 Fixed Indexed Annuity - Brochure (Suite).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 Advisory 7 compares for your age, state, premium, and income goals alongside other Jackson National Life fixed indexed annuity options.

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