Best available rate
5.35%
7-yr guarantee · $100,000+ premium
Up to 5.35% depending on guarantee term and premium band.
View all rates and terms ↓10%
Free W/D
52
Jurisdictions
Rates as of September 1, 2026. CANNEX via AdvisorWorld; confirm rates and state availability before purchase.
Product analyzer
Run numbers for Jackson RateProtector
guaranteed rates, terms, state availability, surrender details, and contract facts stay scoped to this Jackson National Life product.
Live product data
Rates as of September 1, 2026, from AdvisorWorld and CANNEX.
Guaranteed 7-year rate
5.35% guaranteed for 7 years
A multi-year guaranteed annuity from Jackson National with three guarantee-period choices, full nationwide availability, and a clean declining surrender ladder.
Best fit
High-net-worth savers who want a multi-year guaranteed rate from a top-rated carrier, with no market value adjustment and broad state availability.
Available guarantee terms
3, 5, and 7 years
AM Best
A Excellent
Available surrender terms
3, 5, and 7 years
Free withdrawal
10%/yr
Availability
52 jurisdictions
Minimum premium
$10,000
Product analyst notes
How to think about this contract
Why it can stand out
- Available in every U.S. state plus DC — broader than most multi-year guaranteed annuities, with no jurisdiction excluded.
- Three guarantee-period choices — 3, 5, and 7 years — let a buyer pick the lock that fits their horizon.
- A clean linear surrender ladder declines by one whole notch each year over the full surrender period, the simplest possible schedule.
- Annual free-withdrawal allowance during the surrender period — published in the live feed for this contract.
- No market value adjustment — surrenders aren't amplified by interest-rate moves.
What to confirm
- High minimum premium — much higher than the entry minimums on most retail multi-year guaranteed annuities, so this is a high-net-worth filing rather than a small-account product.
- No 10-year guarantee period is offered on this contract — buyers wanting a longer rate lock have to look elsewhere.
- No return-of-premium feature — early surrender beyond the published free-withdrawal amount is subject to the schedule.
- Rates vary by premium band — confirm the band-specific rate for your premium amount before locking in.
Not ideal for
Buyers whose premium is below the minimum, anyone who wants a 10-year guarantee period, or buyers who need return-of-premium liquidity.
Free Comparison Report
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See how Jackson RateProtector compares for your age, state, premium, and income goals alongside other Jackson National Life MYGA options.
Guaranteed Rates by Term
CANNEX identifies each state, MVA, and liquidity-rider version below. Compound-equivalent annual rates are the primary comparison measure; the carrier's quoted simple-interest rate remains visible beneath each value.
| Contract version | Term | Surrender term | Rate effective | $10,000–$99,999Premium · comparable annual rate | $100,000+Premium · comparable annual rate |
|---|---|---|---|---|---|
| Most states · MVA unknown · No liquidity rider | 3-Year | Not available | Aug 3, 2026 | 4.5%Rate convention not stated | 4.8%Rate convention not stated |
| Most states · MVA unknown · No liquidity rider | 5-Year | Not available | Aug 3, 2026 | 4.95%Rate convention not stated | 5.25%Rate convention not stated |
| Most states · MVA unknown · No liquidity rider | 7-Year | Not available | Aug 3, 2026 | 5.05%Rate convention not stated | 5.35%Rate convention not stated |
| NY · No MVA · No liquidity rider | 3-Year | 3-Year schedule | Aug 17, 2026 | 4.2%Rate convention not stated | 4.5%Rate convention not stated |
| NY · No MVA · No liquidity rider | 5-Year | 5-Year schedule | Aug 17, 2026 | 4.55%Rate convention not stated | 4.85%Rate convention not stated |
| NY · No MVA · No liquidity rider | 7-Year | 7-Year schedule | Aug 17, 2026 | 4.55%Rate convention not stated | 4.85%Rate convention not stated |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
3-Year Version
Yr 1
7%
Yr 2
6%
Yr 3
5%
After
0%
5-Year Version
Yr 1
7%
Yr 2
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
After
0%
7-Year Version
Yr 1
7%
Yr 2
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
Yr 6
2%
Yr 7
100%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
Free Comparison Report
Get a Jackson RateProtector rate report
See how Jackson RateProtector compares for your age, state, premium, and income goals alongside other Jackson National Life MYGA options.