What is the minimum guaranteed surrender value for Jackson National – Rate Protector NY (3-, 5- and 7-year terms)?

Jackson RateProtector® NY is a single premium, multiyear guaranteed fixed annuity that allows the owner to elect an initial interest rate guaranteed for a 3-, 5-, or 7-year guaranteed option period. The guaranteed option rate is credited to the contract annually and is guaranteed for the entire selected guaranteed option period. RateProtector NY is a long-term, tax-deferred vehicle designed for retirement, and earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax for withdrawals before age 59½. Withdrawals during the initial guaranteed option period may be subject to withdrawal charges and a Market Value Adjustment (MVA), which may reduce the accumulated contract value. After the initial guaranteed option period ends, renewal interest rates are guaranteed for one-year periods and will never fall below the contract’s declared Guaranteed Minimum Interest Rate (GMIR), which is currently 2.65% and is recalculated annually after the initial guaranteed option period.

What is the minimum premium amount for Jackson National – Rate Protector NY (3-, 5- and 7-year terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for Jackson National – Rate Protector NY (3-, 5- and 7-year terms)?

The maximum issue age is 95 years.

What is the current interest rate for Jackson National – Rate Protector NY (3-, 5- and 7-year terms)?

The current interest rate is 3.7%.

What is the surrender charge schedule for Jackson National – Rate Protector NY (3-, 5- and 7-year terms)?

Withdrawals during the selected initial guaranteed option period of 3, 5, or 7 years are subject to withdrawal charges, and withdrawals prior to the end of the initial guaranteed option period may also be subject to a Market Value Adjustment (MVA), which may reduce contract value. Charges decline each year until reaching 0% after the initial guaranteed option period, and no withdrawal charges apply after the expiration of the initial guaranteed option period.

What are the best rates available for Jackson National – Rate Protector NY (3-, 5- and 7-year terms)?

The best available rate is 4.35% for a 7 year term.

Jackson National Life

Jackson National – Rate Protector NY (3-, 5- and 7-year terms)

About this product

Jackson RateProtector® NY is a single-premium Multi-Year Guaranteed Fixed Annuity (MYGA) issued by Jackson National Life Insurance Company of New York® that provides fixed, tax-deferred interest growth and full principal protection across 3-, 5-, and 7-year guarantee periods. It delivers predictable, contractually guaranteed interest rates insulated from market volatility, making it appropriate for conservative savers seeking stable accumulation. With a clearly defined guaranteed option structure, renewal rates that transition to one-year guarantee periods after the initial term, and principal protection backed by the claims-paying ability of Jackson National Life Insurance Company of New York, RateProtector NY supports long-term financial planning with security, simplicity, and consistent growth.

Available Rates

Rates are based on current simulation settings with premium amount $100,000.00

3 Years	4.00%
5 Years	4.25%
7 Years	4.35%

Available Guarantee Periods

Rates are based on current simulation settings with premium amount $100,000.00

$10,000.00 - $99,999.00	3.7%
$100,000.00 - $1,000,000.00	4%

Features
Maximum Issue Age	95 years

Lifetime Income Details

Payout Options

Annuitization

Lump Sum Withdrawal

Additional Options

Actual payout options may vary by insurance carrier and specific products. Common alternatives include:

Life Income Only: Payments for the rest of your life, stopping upon death
Period Certain: Guaranteed payments for a specific time period (5, 10, 15, or 20 years)
Life with Period Certain: Lifetime payments with a minimum guaranteed period
Joint Life: Payments continue for both you and your spouse's lifetimes
Systematic Withdrawal: Regular withdrawals of a specified amount or percentage