What is the minimum guaranteed surrender value for Jackson RateProtector ?

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.

What is the minimum premium amount for Jackson RateProtector ?

The minimum premium amount is $10,000.

What is the maximum issue age for Jackson RateProtector ?

The maximum issue age is 95 years.

What is the current interest rate for Jackson RateProtector ?

The current interest rate is 4.4%.

What is the surrender charge schedule for Jackson RateProtector ?

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.

What are the best rates available for Jackson RateProtector ?

The best available rate is 5.00% for a 7 year term.

Jackson National Life

Jackson RateProtector

About this product

Jackson RateProtector® 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.

Available Rates

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

3 Years	4.70%
5 Years	5.00%
7 Years	5.00%

Available Guarantee Periods

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

$10,000.00 - $99,999.00	4.4%
$100,000.00 - $1,000,000.00	4.7%

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