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Fixed Indexed Annuity

MarketProtector

Jackson National Life

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8.9%

Best S&P 500 Annual Cap

10%

Free W/D

49

Available jurisdictions

Product data status: August 24, 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. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of August 24, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$305,282
Est. value at age 80 (MarketProtector)
8.9%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.9% 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 MarketProtector's published cap rate (8.9% 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 August 24, 2026.

Free Comparison Report

Get a MarketProtector rate report

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 August 24, 2026, from AdvisorWorld and CANNEX.

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

8.9% 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 term7-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

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.8% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

8.9% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.5% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.55% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

67% participation rate + 2% spread

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

67% participation rate + 2% spread

Participation

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

Rate varies by premium band.

Fixed Account

Fixed Account

4% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.25% declared rate

Fixed account

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

Rate varies by premium band.

+ 12 additional crediting options (MSCI EAFE...)

Lifetime Income Riders

Income rider

Income Accelerator

Lifetime payout rate4.5% 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

Get a MarketProtector rate report

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 (40 strategies)

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

Par: 73% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

5-yr surrender$100,000+

Par: 67% + Spread: 2% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 9.8% · 1-yr

MSCI EAFE Index

cap

5-yr surrender$100,000+

Cap: 8.8% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 7.8% · 1-yr

MSCI EAFE Index

trigger

5-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 66% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

5-yr surrenderUp to $99,999.99

Par: 62% + Spread: 2% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 8.45% · 1-yr

MSCI EAFE Index

cap

5-yr surrenderUp to $99,999.99

Cap: 7.75% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 7% · 1-yr

MSCI EAFE Index

trigger

5-yr surrenderUp to $99,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Fixed: 3.7% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Cap: 9.9% · 1-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 8.9% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Trigger: 7.85% · 1-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Trigger: 7.55% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Fixed: 4.25% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 67% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

7-yr surrenderUp to $99,999.99

Par: 63% + Spread: 2% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 8.6% · 1-yr

MSCI EAFE Index

cap

7-yr surrenderUp to $99,999.99

Cap: 7.9% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Trigger: 7.05% · 1-yr

MSCI EAFE Index

trigger

7-yr surrenderUp to $99,999.99

Trigger: 6.85% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Fixed: 3.95% · 1-yr

Fixed Account

fixed

7-yr surrenderUp to $99,999.99

Par: 57% + Spread: 2% · 1-yr

MSCI EAFE Index

Point-to-point

$100,000+

Par: 46% + Spread: 2% · 1-yr

S&P 500 Index

Point-to-point

$100,000+

Cap: 8.2% · 1-yr

MSCI EAFE Index

Point-to-point

$100,000+

Cap: 7.5% · 1-yr

S&P 500 Index

Point-to-point

$100,000+

Trigger: 7.2% · 1-yr

MSCI EAFE Index

Performance trigger

$100,000+

Trigger: 6.85% · 1-yr

S&P 500 Index

Performance trigger

$100,000+

Fixed: 3.85% · 1-yr

Fixed Account

Fixed account

$100,000+

Par: 51% + Spread: 2% · 1-yr

MSCI EAFE Index

Point-to-point

Up to $99,999.99

Par: 41% + Spread: 2% · 1-yr

S&P 500 Index

Point-to-point

Up to $99,999.99

Cap: 7.15% · 1-yr

MSCI EAFE Index

Point-to-point

Up to $99,999.99

Cap: 6.5% · 1-yr

S&P 500 Index

Point-to-point

Up to $99,999.99

Trigger: 6.35% · 1-yr

MSCI EAFE Index

Performance trigger

Up to $99,999.99

Trigger: 6.05% · 1-yr

S&P 500 Index

Performance trigger

Up to $99,999.99

Fixed: 3.55% · 1-yr

Fixed Account

Fixed account

Up to $99,999.99

Income riders

Income rider

Income Accelerator

Lifetime withdrawal rate4.5%
Annual rider fee1.1%

GLWB

Income rider

Income Accelerator

Lifetime withdrawal rate4.5%
Annual rider fee1.25%

GLWB

Linked review

MarketProtector review notes

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 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 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 4.5% 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

2

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

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%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

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
S&PA
Moody'sA2
S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

MarketProtector currently shows 30 distinct indexed or fixed crediting choices across 40 displayed rate entries, including S&P 500 Index, with 12 volatility-controlled index options grouped separately. 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: 8.8% annual cap
  • S&P 500 Index: 8.9% annual cap
  • S&P 500 Index: 7.75% annual cap
  • S&P 500 Index: 7.9% annual cap

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.

  • 4.5% withdrawal rate
  • 1.1% rider fee

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

Get a MarketProtector rate report

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

Get my rate report

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