What is the minimum guaranteed surrender value for Jackson National – RateProtector (3-, 5- & 7-year terms)?

RateProtector is a Single Premium Deferred Fixed Annuity (SPDA) that credits a fixed, contractually guaranteed interest rate over the selected 3-, 5-, or 7-year guarantee period. The owner makes a one-time premium contribution, and interest grows tax-deferred for the duration of the term. During the guarantee period, withdrawals above the free-withdrawal allowance may be subject to withdrawal charges and a Market Value Adjustment (MVA). At the end of each guarantee period, a 30-day window provides full liquidity, permitting renewal into another term, transition to a different product, partial withdrawals, or full surrender without any withdrawal charges or MVA. If no instruction is given, the contract automatically renews into a one-year guarantee period at the declared renewal rate, which will never fall below the contract’s Guaranteed Minimum Interest Rate (GMIR).

What is the minimum premium amount for Jackson National – RateProtector (3-, 5- & 7-year terms)?

The minimum premium amount is $10,000.

What is the maximum issue age for Jackson National – RateProtector (3-, 5- & 7-year terms)?

The maximum issue age is 95 years.

What is the current interest rate for Jackson National – RateProtector (3-, 5- & 7-year terms)?

The current interest rate is 3.8%.

What is the surrender charge schedule for Jackson National – RateProtector (3-, 5- & 7-year terms)?

Withdrawals exceeding the 10% annual free-withdrawal amount—or a full surrender during the guarantee period—are subject to surrender charges and may also incur a Market Value Adjustment (MVA). All charges end after the guarantee period or during the 30-day renewal window.

What are the best rates available for Jackson National – RateProtector (3-, 5- & 7-year terms)?

The best available rate is 4.45% for a 7 year term.

Jackson National Life

Jackson National – RateProtector (3-, 5- & 7-year terms)

About this product

Jackson RateProtector is a single-premium Multi-Year Guaranteed Fixed Annuity (MYGA) issued by Jackson National Life Insurance Company. It provides guaranteed fixed interest growth, tax deferral, and complete protection of the premium from market loss across 3-, 5-, and 7-year guarantee periods. RateProtector allows contract owners to lock in a declared rate for the full term, offering predictable accumulation and stability during changing economic conditions. With a 10% annual penalty-free withdrawal allowance, a defined Market Value Adjustment (MVA) structure, and lifetime income options available through annuitization, RateProtector is designed for conservative savers seeking dependable growth and flexible retirement planning options.

Available Rates

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

3 Years	4.10%
5 Years	4.35%
7 Years	4.45%

Available Guarantee Periods

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

$10,000.00 - $99,999.00	3.8%
$100,000.00 - $1,000,000.00	4.1%

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