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Fixed Indexed Annuity

MarketProtector (CA)

Jackson National Life

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8.9%

Best S&P 500 Annual Cap

10%

Free W/D

California

Only state

Product data status: updated regularly

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 (CA) would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of September 4, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$305,282
Est. value at age 80 (MarketProtector (CA))
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 (CA)'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 September 4, 2026.

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Get a MarketProtector (CA) rate report

See how MarketProtector (CA) 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 (CA)

rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Jackson National Life product.

Live product data

Rates as of September 4, 2026, from AdvisorWorld and CANNEX.

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

8.9% cap on S&P 500

The California-only filing of Jackson MarketProtector — an accumulation-focused FIA with S&P 500 and MSCI EAFE strategies on a 5- or 7-year surrender chassis.

1-year term7-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

California residents above the contract's high premium minimum who want indexed growth with downside protection.

AM Best

A Excellent

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

California only

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.

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.

+ 8 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

  • California-specific filing — gives California residents access to the same MarketProtector chassis as the rest of the country, in a contract priced to California's regulatory requirements.
  • Choice of 5-year and 7-year surrender ladders, each with S&P 500 and MSCI EAFE strategies (cap and trigger).
  • Annual free-withdrawal allowance during the surrender period — published in the live feed for this contract.
  • Jackson National carries an A-level rating from all four major financial-strength agencies.

What to confirm

  • High minimum premium — much higher than most retail FIA minimums.
  • California-only filing; buyers outside California should look at the non-CA MarketProtector filing instead — see the sibling cross-link on this page.
  • No optional income rider and no built-in income-pricing chassis — this is a growth product, not an income product.
  • The California surrender ladder is calibrated to California's filing rules — sits one notch lower than the non-CA filing's schedule in the first year, a small advantage on early-exit cost. Compare the schedules on this page against the non-CA sibling page before locking in.

Not ideal for

Non-California buyers (use the non-CA MarketProtector filing), small-balance buyers, or anyone who wants guaranteed lifetime income.

Free Comparison Report

Get a MarketProtector (CA) rate report

See how MarketProtector (CA) 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 (30 strategies)

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

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+

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+

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

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+

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

Common questions about MarketProtector (CA)

● Can I lose money in MarketProtector (CA)?

A negative index return by itself does not reduce the contract's account value: MarketProtector (CA) 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 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 (CA)'s crediting strategies compare?

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

1

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.

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

8.25%

Yr 2

7.25%

Yr 3

6.5%

Yr 4

5.5%

Yr 5

4.5%

Yr 6

3.75%

Yr 7

2.75%

After

0%

Terminal illness waiver

Documents

brochure

Jackson - MarketProtector Fixed Indexed Annuity - Brochure (CA Applicable).pdf.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 (CA) currently shows 29 distinct indexed or fixed crediting choices across 30 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, and renewal terms 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
  • 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 (CA Applicable).pdf.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 (CA) rate report

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

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