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

RateProtector NY is a Single Premium Deferred Fixed Annuity designed to provide contractually guaranteed interest growth throughout the client’s selected guarantee period. At issue, the owner contributes a single premium that grows tax-deferred for the duration of the term. During this period, any withdrawal may trigger withdrawal charges and, when applicable, an MVA. Once the guarantee term ends, the contract enters a 30-day window during which the owner may fully surrender the contract, renew into another available guarantee period, transition into a different annuity product, or withdraw only a portion of the accumulated value with no charges or MVA. If the owner does not provide instructions during this renewal window, the contract automatically renews for a one-year guarantee period at the declared rate, which will never fall below the contract’s Guaranteed Minimum Interest Rate, currently 2.65% and recalculated annually after the initial guarantee period. The minimum premium for both qualified and non-qualified funds is $10,000, and the maximum amount that may be accepted without prior company approval is $1,000,000.

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 exceeding any contractual limits, or a full surrender during the guaranteed option period, are subject to withdrawal charges and may also incur an MVA. Withdrawal charges decline annually during the 3-, 5-, or 7-year guaranteed option period and reach 0% after the end of that 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. It provides guaranteed fixed-interest accumulation, tax-deferred growth, and full protection of principal over three-, five-, and seven-year guarantee periods. The contract allows the owner to secure a declared interest rate for the entire term, ensuring predictable and stable growth insulated from market fluctuations. Unlike the national version, the New York-approved RateProtector does not include a penalty-free withdrawal feature, and all withdrawals during the guarantee period may be subject to withdrawal charges and a Market Value Adjustment (MVA). The product supports conservative retirement planning by offering fixed returns, contractual guarantees, and the financial strength of a New York-licensed insurer.

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