Fixed Indexed Annuity

MarketProtector Advisory — Jackson National Life

Jackson National Life

Get my rate report

10.5%

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 Advisory 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

$313,471

Gross crediting illustration at age 80 (MarketProtector Advisory)

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.

10.5%

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 — 10.5% 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 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. 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.

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

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 October 2, 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

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

Index / strategyRate mechanicsCreditingSurrenderPremium

S&P 500

S&P 500 Index

10.15% cap rate

Rate effective Aug 17, 2026

Annual point-to-point

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

10.4% cap rate

Rate effective Aug 17, 2026

Annual point-to-point

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

10.5% cap rate

Rate effective Aug 17, 2026

Annual point-to-point

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

8.35% trigger rate

Rate effective Aug 17, 2026

Performance trigger

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

8.55% trigger rate

Rate effective Aug 17, 2026

Performance trigger

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

8.6% trigger rate

Rate effective Aug 17, 2026

Performance trigger

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

73% participation rate + 2% spread

Rate effective Aug 17, 2026

Annual point-to-point

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

S&P 500

S&P 500 Index

75% participation rate + 2% spread

Rate effective Aug 17, 2026

Annual point-to-point

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

Fixed Account

4.6% declared rate

Rate effective Aug 17, 2026

Fixed account

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

Fixed Account

4.95% declared rate

Rate effective Aug 17, 2026

Fixed account

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

Fixed Account

5% declared rate

Rate effective Aug 17, 2026

Fixed account

Selected state rate set (TX)

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

1-year term

Surrender term not shown

$100,000+

+ 9 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

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.

Get my rate report

All crediting strategies

View rate listings (42 strategies)

These listings show published strategy details and any available rates. 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

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Par: 80% + Spread: 2% · 1-yr

MSCI EAFE Index

Point-to-point

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

Par: 73% + Spread: 2% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Par: 73% + Spread: 2% · 1-yr

S&P 500 Index

Point-to-point

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

Cap: 11.65% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Cap: 11.65% · 1-yr

MSCI EAFE Index

Point-to-point

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

Cap: 10.15% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Cap: 10.15% · 1-yr

S&P 500 Index

Point-to-point

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

Trigger: 8.8% · 1-yr

MSCI EAFE Index

Performance trigger · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Trigger: 8.8% · 1-yr

MSCI EAFE Index

Performance trigger

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

Trigger: 8.35% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Trigger: 8.35% · 1-yr

S&P 500 Index

Performance trigger

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

Fixed: 4.6% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

Fixed account

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

Par: 82% + Spread: 2% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Par: 82% + Spread: 2% · 1-yr

MSCI EAFE Index

Point-to-point

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

Par: 75% + Spread: 2% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Par: 75% + Spread: 2% · 1-yr

S&P 500 Index

Point-to-point

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

Cap: 12.2% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Cap: 12.2% · 1-yr

MSCI EAFE Index

Point-to-point

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

Cap: 10.4% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Cap: 10.4% · 1-yr

S&P 500 Index

Point-to-point

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

Trigger: 9.1% · 1-yr

MSCI EAFE Index

Performance trigger · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Trigger: 9.1% · 1-yr

MSCI EAFE Index

Performance trigger

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

Trigger: 8.55% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Trigger: 8.55% · 1-yr

S&P 500 Index

Performance trigger

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

Fixed: 4.95% · 1-yr

Fixed Account

Fixed account · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Fixed: 4.95% · 1-yr

Fixed Account

Fixed account

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

Par: 83% + Spread: 2% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Par: 83% + Spread: 2% · 1-yr

MSCI EAFE Index

Point-to-point

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

Par: 75% + Spread: 2% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Par: 75% + Spread: 2% · 1-yr

S&P 500 Index

Point-to-point

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

Cap: 12.35% · 1-yr

MSCI EAFE Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Cap: 12.35% · 1-yr

MSCI EAFE Index

Point-to-point

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

Cap: 10.5% · 1-yr

S&P 500 Index

Point-to-point · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Cap: 10.5% · 1-yr

S&P 500 Index

Point-to-point

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

Trigger: 9.15% · 1-yr

MSCI EAFE Index

Performance trigger · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Trigger: 9.15% · 1-yr

MSCI EAFE Index

Performance trigger

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

Trigger: 8.6% · 1-yr

S&P 500 Index

Performance trigger · 0% annual strategy fee

Selected state rate set (TX)Rate effective Aug 17, 2026$100,000+

Trigger: 8.6% · 1-yr

S&P 500 Index

Performance trigger

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

Fixed: 5% · 1-yr

Fixed Account

RMD friendly

Lifetime withdrawal rate5%

Annual rider fee1.25%

Deferral assumed0 years

Issue age50 — 80

Joint availabilityJoint life

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 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.

● 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

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

After

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

FitchA

Moody'sA2

S&PA

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

MarketProtector Advisory currently shows 40 distinct indexed or fixed crediting choices across 42 displayed rate entries, including S&P 500 Index, with 18 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: 10.15% annual cap, 0% annual strategy fee
S&P 500 Index: 10.4% annual cap, 0% annual strategy fee
S&P 500 Index: 10.5% annual cap, 0% annual strategy fee
S&P 500 Index: 10.15% 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.

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

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

Related Resources

MarketProtector Advisory — Jackson National Life

See what MarketProtector Advisory would do for you

Get a MarketProtector Advisory rate report

Run numbers for MarketProtector Advisory

10.5% 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 Advisory rate report

All crediting strategies

Income riders

Income Accelerator

Income Accelerator

Income Accelerator

Income Accelerator

Income Accelerator

Income Accelerator

Income Accelerator

Income Accelerator

Common questions about MarketProtector Advisory

Key Features

Free withdrawal

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-Index-Annuity-Suite-Brochure.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 Advisory rate report

Related Resources

Compare Rates

Jackson National Life Products

Learn More

Cite this