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Fixed Indexed Annuity

MarketProtector Advisory

Jackson National Life

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10.5%

Best S&P 500 Annual Cap

10%

Free W/D

50

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 Advisory 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
$313,471
Est. value at age 80 (MarketProtector Advisory)
10.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.5% 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 Advisory's published cap rate (10.5% 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 Advisory rate report

See how MarketProtector Advisory 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 Advisory

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

10.5% cap on S&P 500

The fee-based, no-surrender variant of Jackson MarketProtector — designed for advisory accounts, with higher index caps than the commission versions.

1-year term$100,000+AdvisorWorld + CANNEX data

Best fit

Clients of a fee-based advisor who want indexed accumulation with full liquidity inside their managed-account fee structure.

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

10.15% cap rate

Annual cap

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

10.4% cap rate

Annual cap

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

10.5% cap rate

Annual cap

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

8.35% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

8.55% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

8.6% trigger rate

Performance trigger

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

73% participation rate + 2% spread

Participation

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

75% participation rate + 2% spread

Participation

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.6% declared rate

Fixed account

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.95% declared rate

Fixed account

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

5% declared rate

Fixed account

Selected state rate set (TX)

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

+ 18 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

  • No surrender-charge schedule — the contract is fully liquid from day one, designed for fee-based advisory accounts.
  • Index caps run materially higher than the commission MarketProtector variants because no commission load is built into pricing.
  • Broad state coverage — available in every U.S. state plus DC except New York, including California (the only MarketProtector chassis written into a single nationwide filing rather than a CA-split).
  • Multiple S&P 500 and MSCI EAFE crediting choices (cap, participation-with-spread, and trigger) for each strategy.

What to confirm

  • Sold only through fee-based advisor channels — the advisor charges an asset-based management fee on the contract instead of taking a one-time commission.
  • High minimum premium — much higher than most retail FIA minimums.
  • A market value adjustment (MVA) applies to surrenders, even though there is no surrender-charge schedule.
  • No optional income rider and no built-in income-pricing chassis — this is a growth chassis, not an income chassis.
  • Not available in New York — fee-based clients in NY have to look at a different filing.

Not ideal for

New York buyers, direct-to-consumer buyers without a fee-based advisor, or anyone who wants a guaranteed lifetime income rider.

Free Comparison Report

Get a MarketProtector Advisory rate report

See how MarketProtector Advisory 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 (42 strategies)

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

Par: 80% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

Selected state rate set (TX)$100,000+

Par: 73% + Spread: 2% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)$100,000+

Cap: 11.65% · 1-yr

MSCI EAFE Index

cap

Selected state rate set (TX)$100,000+

Cap: 10.15% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)$100,000+

Trigger: 8.8% · 1-yr

MSCI EAFE Index

trigger

Selected state rate set (TX)$100,000+

Trigger: 8.35% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)$100,000+

Par: 82% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

Selected state rate set (TX)$100,000+

Par: 75% + Spread: 2% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)$100,000+

Cap: 12.2% · 1-yr

MSCI EAFE Index

cap

Selected state rate set (TX)$100,000+

Cap: 10.4% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)$100,000+

Trigger: 9.1% · 1-yr

MSCI EAFE Index

trigger

Selected state rate set (TX)$100,000+

Trigger: 8.55% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)$100,000+

Fixed: 4.95% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)$100,000+

Par: 83% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

Selected state rate set (TX)$100,000+

Par: 75% + Spread: 2% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)$100,000+

Cap: 12.35% · 1-yr

MSCI EAFE Index

cap

Selected state rate set (TX)$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)$100,000+

Trigger: 9.15% · 1-yr

MSCI EAFE Index

trigger

Selected state rate set (TX)$100,000+

Trigger: 8.6% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)$100,000+

Fixed: 5% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)$100,000+

Par: 75% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

Selected state rate set (TX)Up to $99,999.99

Par: 68% + Spread: 2% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)Up to $99,999.99

Cap: 10.2% · 1-yr

MSCI EAFE Index

cap

Selected state rate set (TX)Up to $99,999.99

Cap: 9.1% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)Up to $99,999.99

Trigger: 8.05% · 1-yr

MSCI EAFE Index

trigger

Selected state rate set (TX)Up to $99,999.99

Trigger: 7.7% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)Up to $99,999.99

Fixed: 4.3% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)Up to $99,999.99

Par: 76% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

Selected state rate set (TX)Up to $99,999.99

Par: 70% + Spread: 2% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)Up to $99,999.99

Cap: 10.7% · 1-yr

MSCI EAFE Index

cap

Selected state rate set (TX)Up to $99,999.99

Cap: 9.35% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)Up to $99,999.99

Trigger: 8.3% · 1-yr

MSCI EAFE Index

trigger

Selected state rate set (TX)Up to $99,999.99

Trigger: 7.9% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)Up to $99,999.99

Fixed: 4.65% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)Up to $99,999.99

Par: 77% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

Selected state rate set (TX)Up to $99,999.99

Par: 70% + Spread: 2% · 1-yr

S&P 500 Index

participation

Selected state rate set (TX)Up to $99,999.99

Cap: 10.9% · 1-yr

MSCI EAFE Index

cap

Selected state rate set (TX)Up to $99,999.99

Cap: 9.45% · 1-yr

S&P 500 Index

cap

Selected state rate set (TX)Up to $99,999.99

Trigger: 8.4% · 1-yr

MSCI EAFE Index

trigger

Selected state rate set (TX)Up to $99,999.99

Trigger: 7.95% · 1-yr

S&P 500 Index

trigger

Selected state rate set (TX)Up to $99,999.99

Fixed: 4.7% · 1-yr

Fixed Account

fixed

Selected state rate set (TX)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

Common questions about MarketProtector Advisory

● Can I lose money in MarketProtector Advisory?

A negative index return by itself does not reduce the contract's account value: MarketProtector Advisory 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.

● How do MarketProtector Advisory's crediting strategies compare?

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

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 0

0%

After

0%

Documents

brochure

Jackson-MarketProtector-Fixed-Index-Annuity-Suite-Brochure.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 Advisory currently shows 30 distinct indexed or fixed crediting choices across 42 displayed rate entries, including S&P 500 Index, with 13 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: 10.15% annual cap
  • S&P 500 Index: 10.4% annual cap
  • S&P 500 Index: 10.5% annual cap
  • S&P 500 Index: 9.1% 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

Verification note

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

Carrier materials such as Jackson-MarketProtector-Fixed-Index-Annuity-Suite-Brochure.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 Advisory rate report

See how MarketProtector Advisory 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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