Jackson National – RateProtector (3-, 5- & 7-year terms)
About this product
Jackson RateProtector® is a single-premium, multiyear guaranteed fixed annuity designed as a long-term, tax-deferred vehicle for retirement. Contract owners can lock in an initial interest rate for a 3-, 5-, or 7-year guaranteed option period, helping support predictable accumulation while protecting the contract value from market volatility. Interest is credited annually at the guaranteed option rate during the selected period, and after the initial term ends, renewal rates are guaranteed for one-year periods and will never fall below the contract’s declared Guaranteed Minimum Interest Rate (GMIR). Amounts withdrawn during the initial guaranteed option period may be subject to withdrawal charges and a Market Value Adjustment (MVA), which may reduce accumulated value.
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
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