Fixed Indexed Annuity

MarketProtector — Jackson National Life

Name: MarketProtector
Brand: Jackson National Life

Jackson National Life

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8.8%

Best S&P 500 Annual Cap

10%

Free W/D

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.

Model this product

See what MarketProtector would do for you

Set your numbers and switch between growth, income, and liquidity. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer

Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.

Premium$100,000

Your age60

Crediting strategy

Compare against

$304,162

Gross crediting illustration at age 80 (MarketProtector)

Excludes the 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms). This is not a net contract value.

8.8%

Best S&P 500 1-yr point-to-point cap

Gross crediting illustration for each line; excludes the 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms).

S&P 500 Index — 8.8% Cap (Annual)

✦

How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →

Assumptions: illustrative — applies MarketProtector's published cap rate (8.8% 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. Gross crediting only: this illustration excludes the 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.1% annual Income Accelerator charge (income option; applicability depends on contract terms); 1.25% annual Income Accelerator charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.

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

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rate data

Run numbers for MarketProtector

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.

Annual point-to-point cap on the S&P 500

8.8% cap on S&P 500

A high-minimum, accumulation-focused fixed indexed annuity with both S&P 500 and international-index strategies on a 5- or 7-year surrender chassis.

1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers above the contract's high premium minimum who want indexed growth on the S&P 500 or MSCI EAFE with downside protection and a short-to-mid surrender period.

AM Best

A Excellent

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Minimum premium

$25,000

Featured crediting strategies

Caps, participation rates, and declared rates are shown separately.

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

8.8% cap rate

Rate effective Aug 17, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

7.5% trigger rate

Rate effective Aug 17, 2026

Performance trigger

Requested state: TX

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

67% participation rate + 2% spread

Rate effective Aug 17, 2026

Annual point-to-point

Requested state: TX

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective Aug 17, 2026

Annual point-to-point

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

S&P 500

S&P 500 Index

Rate unavailable for this rider selection

Rate effective Aug 17, 2026

Performance trigger

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

Fixed Account

4% declared rate

Rate effective Aug 17, 2026

Fixed account

Requested state: TX

1-year term · 5-year surrender · $100,000+

1-year term

5-year surrender

$100,000+

Fixed Account

Rate unavailable for this rider selection

Rate effective Aug 17, 2026

Fixed account

Requested state: TX

1-year term · 7-year surrender · $100,000+

1-year term

7-year surrender

$100,000+

+ 5 additional crediting options (MSCI EAFE...)

Lifetime Income Riders

Income rider

Income Accelerator

RMD friendly

Lifetime payout rate8% lifetime payout

Annual rider fee1.1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

Choice of 5-year and 7-year surrender chassis, each with both S&P 500 and MSCI EAFE international strategies.
Mix of cap, participation-with-spread, and performance-trigger strategies on each index — buyers can blend approaches to match their growth view.
Annual free-withdrawal allowance plus nursing-home and terminal-illness waivers provide meaningful liquidity flexibility for buyers who need to tap the contract early.
Jackson National carries an A-level rating from all four major financial-strength agencies.

What to confirm

High minimum premium — meaningfully higher than the entry minimums on most retail FIAs, so this is a high-net-worth filing rather than a small-account product.
Not available in California or New York — California buyers should look at the dedicated MarketProtector (CA) filing instead, and New York buyers have to look at a different filing.
A market value adjustment (MVA) applies to surrenders — early withdrawals beyond the published free-withdrawal allowance can be amplified up or down by interest-rate moves.
No premium bonus and no optional income rider — this is a growth chassis, not an income chassis.

Not ideal for

California or New York residents, smaller-balance buyers, or anyone who wants a guaranteed lifetime income rider.

Free Comparison Report

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See how MarketProtector 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 (17 strategies)

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

Par: 73% + Spread: 2% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 17, 20265-yr surrender$100,000+

Par: 73% + Spread: 2% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 67% + Spread: 2% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 17, 20265-yr surrender$100,000+

Par: 67% + Spread: 2% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 9.8% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 17, 20265-yr surrender$100,000+

Cap: 9.8% · 1-yr

MSCI EAFE Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 8.8% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Requested state: TXRate effective Aug 17, 20265-yr surrender$100,000+

Cap: 8.8% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Trigger: 7.8% · 1-yr

MSCI EAFE Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Aug 17, 20265-yr surrender$100,000+

Trigger: 7.8% · 1-yr

MSCI EAFE Index

Performance trigger

Requested state: TX5-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Requested state: TXRate effective Aug 17, 20265-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX5-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Requested state: TXRate effective Aug 17, 20265-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

Fixed account

Requested state: TX5-yr surrender$100,000+

Rate unavailable for this rider selection · 1-yr

Fixed Account

Fixed account

Requested state: TXRate effective Aug 17, 20267-yr surrender$100,000+

Rate unavailable for this rider selection · 1-yr

MSCI EAFE Index

Explore the features, rates, and benefits of the Jackson MarketProtector Fixed Indexed Annuity. Is it right for your retirement? Find out here.

4.2/5Read review

Review rating details4.2/5

Financial strength5/5

Return potential4/5

Income and benefits4/5

Free benefits, liquidity, and costs4/5

Transparency and service4/5

CFA take

“In my view, the Jackson MarketProtector strikes a reasonable balance between simplicity, income planning, and accumulation potential. Unlike many FIAs that heavily rely on proprietary volatility-controlled indices, this product keeps things relatively straightforward by focusing on well-known benchmarks like the S&P 500 and MSCI EAFE. The product’s relatively competitive cap rates and performance-trigger rates are a positive, particularly for investors who want a simpler FIA structure without sacrificing too much growth potential. The optional IncomeAccelerator rider also adds meaningful retirement income flexibility, especially for investors who plan to defer withdrawals and benefit from the increasing lifetime income percentages over time. However, the rider cost is on the higher side relative to some competitors, and the income calculations based on accumulated value may not always be as attractive as products using separate, faster-growing income bases. Additionally, strategies combining participation rates with spreads are generally less efficient and, in my opinion, are best avoided. Overall, I would view Jackson MarketProtector as a solid middle-ground FIA for retirees seeking principal protection, relatively transparent indexing options, and moderate lifetime income potential without excessive product complexity.”

Nikhil Bhauwala

Common questions about MarketProtector

● Can I lose money in MarketProtector?

A negative index return by itself does not reduce the contract's account value: MarketProtector credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, withdrawals, surrender charges, 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 Income Accelerator 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% 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.

● How do MarketProtector's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available MarketProtector 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

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

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

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

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

10.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Maximum spread

10.00%

Maximum spread: 10.00%

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

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

Nursing home waiver, Terminal illness waiver

Documents

brochure

Jackson - MarketProtector 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

Crediting design

How the interest-crediting choices are framed

MarketProtector currently shows 17 indexed or fixed crediting options, including S&P 500 Index, with 7 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

S&P 500 Index: 8.8% annual cap, 0% annual strategy fee
S&P 500 Index: 8.8% annual cap
S&P 500 Index: 7.5% annual trigger rate, 0% annual strategy fee
S&P 500 Index: 7.5% annual trigger rate

Income rider language

What to look for before treating the rider as income

Income Accelerator 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.

8% 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 Jackson - MarketProtector 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 MarketProtector compares for your age, state, premium, and income goals alongside other Jackson National Life fixed indexed annuity options.

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Related Resources

MarketProtector — Jackson National Life

See what MarketProtector would do for you

Get a MarketProtector rate report

Run numbers for MarketProtector

8.8% cap on S&P 500

Featured crediting strategies

Lifetime Income Riders

Income Accelerator

How to think about this contract

Why it can stand out

What to confirm

Get a MarketProtector rate report

All crediting strategies

Income riders

Income Accelerator

Income Accelerator

Income Accelerator

Income Accelerator

Income Accelerator

Income Accelerator

Income Accelerator

Income Accelerator

MarketProtector review notes

Common questions about MarketProtector

Key Features

Free withdrawal

Surrender waivers

Death benefit

Cap-rate floor

Declared-rate floor

Fixed account guarantee

Participation-rate floor

Maximum spread

Annuitization options

Fund types

Surrender schedule

Documents

Jackson - MarketProtector Fixed Indexed Annuity - Brochure (Suite).pdf

Carrier Ratings

Contract notes from product data

How the interest-crediting choices are framed

What to look for before treating the rider as income

Why access rules deserve as much attention as rates

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

Get a MarketProtector rate report

Related Resources

Compare Rates

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