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Withdrawal charges apply during the selected initial guarantee period (3, 5, or 7 years) and decrease over time. For example, in a 7-year option, charges start at 7% in year one and decrease annually to 0% by year eight. These charges apply to withdrawals exceeding the free 10% limit or in the case of full surrender. After the initial guarantee period, no surrender charges or market value adjustments apply.

Accumulated contract value. Preselected death benefit election available prior to the income date for nonqualified and IRA contracts only.

Extended care waiver: After the first contract anniversary, if confined to a nursing home or hospital for 90 consecutive days, you may withdraw up to 100% of the accumulated value (max $250,000) one time, without withdrawal charges.

Every contract year, you may withdraw up to 10% of the accumulated contract value, free of withdrawal charges and market value adjustment (MVA).

Fixed annuity (single premium, multi-year guaranteed fixed annuity)

This annuity policy provides guaranteed returns for a selected period and protects the principal from market fluctuations. Policyholders can choose a 3-, 5-, or 7-year interest guarantee and have access to up to 10% of the contract value annually without incurring surrender charges or adjustments. Additional features include death benefit provisions and a one-time extended care waiver, offering full withdrawal in the case of long-term care needs. Upon completion of the guarantee term, the funds automatically renew into a one-year period with a newly declared interest rate that respects the minimum guaranteed rate.

After the initial 3-, 5-, or 7-year guaranteed option period, funds will automatically renew into a 1-year guaranteed option period annually.

Equals 100% of your premium (less any prior withdrawals and applicable charges), accumulated at the initial GMIR. After the initial guaranteed option period, no withdrawal charge or MVA will apply.

 is a single premium, multi-year guaranteed fixed annuity designed to help preserve principal while providing guaranteed interest and tax-deferred growth. It is suited for retirement-focused individuals seeking stable returns with low risk. Interest can be locked in for 3, 5, or 7 years, and after this period, renewal rates are guaranteed annually. The contract is backed by Jackson National Life Insurance Company of New York, ensuring a reliable income stream and growth of funds over time.

Withdrawal charges will be assessed during the selected initial Guaranteed Option Period of 3, 5, or 7 years. For the 7-year option, the surrender schedule is 8%, 8%, 7%, 6%, 5%, 4%, 3%, 0%. For the 5-year, it’s 8%, 8%, 7%, 6%, 5%, 0%. For the 3-year, it’s 8%, 8%, 7%, 0%. These charges apply to any withdrawals exceeding the free withdrawal amount and during the initial term only. California has slightly lower surrender charges that phase out faster. No charges apply after the end of the guaranteed period, and market value adjustments may still apply depending on timing and contract terms.

Beneficiaries receive a payout equal to the accumulated value of the annuity if you pass away before income distributions begin.

Terminal illness and extended care waivers available starting second contract year, subject to a $250,000 maximum withdrawal without charges.

During the first contract year, 10% of the premiums paid may be taken free of withdrawal charges and a market value adjustment (MVA). In subsequent years, 10% of the accumulation value determined at the beginning of the contract year may be taken free of withdrawal charges and an MVA.

Individual Single Premium Deferred Fixed Annuity with Market Value Adjustment.

This annuity product supports retirement planning by offering tax-deferred growth, protection from market volatility, and guaranteed returns. It includes a death benefit, multiple income options, and features such as extended care and terminal illness waivers. Withdrawals are allowed under certain conditions, and surrender charges apply during the initial guaranteed term. The product is backed by Jackson National Life Insurance Company and is available in various states with specific form variations.

After the initial Guaranteed Option Period, renewal interest rates will be guaranteed for one-year periods and will never fall below the contract’s declared guaranteed minimum interest rate.

The annuity’s cash withdrawal value may be less than the principal allocation during the withdrawal charge period.

 is a single premium, multi-year guaranteed fixed annuity designed as a long-term, tax-deferred investment option for retirement. It offers interest rate guarantees over 3-, 5-, or 7-year periods, during which the principal is preserved and grows at a declared fixed rate. After the selected guarantee period, the contract can renew at a new interest rate annually, never falling below the minimum guaranteed interest rate.

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