Jackson Income Assurance Advisory 10
Jackson National Life
5.5%
Best Cap
10%
Free W/D
50
States
Jackson Income Assurance 10 is a fixed index annuity designed for people ages 50–80 seeking retirement income with downside protection and growth potential tied to market indexes. It's ideal for conservative investors who want guaranteed minimums but don't want to miss out on market gains.
Free Withdrawal
10%/yr
Available In
50 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| S&P 500 Index | Annual | 5.5% | 100% | -- |
| Fixed Account | Daily | -- | -- | 2.65% |
Key Features
Guaranteed Minimum Value
87.5% of premium at 0.15%–3% GMIRYour account value is guaranteed never to fall below 87.5% of premiums you've paid, accumulated at a guaranteed minimum interest rate
Index-Linked Growth
Caps and rates guaranteed annuallyEarn interest tied to stock market index performance with multiple crediting methods to choose from, with flexibility to change selections yearly
Free Withdrawals
10% annually, penalty-freeAccess up to 10% of your contract value each year without penalties or market value adjustments
Extended Care Waiver
One-time benefit, limited to $250,000If confined to a nursing home or hospital for 90 consecutive days, withdraw up to 100% of your contract value without surrender charges
Terminal Illness Waiver
One-time benefit, limited to $250,000If diagnosed with a terminal illness expected to result in death within 12 months, access up to 100% of contract value without charges
Embedded GMWB
1.10% annual charge (single or joint life)Guaranteed Minimum Withdrawal Benefit allows you to withdraw a percentage of your balance annually for life, providing predictable retirement income
RMD-Friendly
No penalties on RMDsRequired minimum distributions from qualified plans can be taken without withdrawal charges or market value adjustments
Highlights
Combines safety of a fixed annuity with potential for index-linked growth—no direct stock market risk
Guaranteed minimum value protects 87.5% of your premium, accumulated at a guaranteed rate
Flexible withdrawal options including 10% annual free withdrawals and RMD-friendly provisions
Included waivers for extended care and terminal illness provide access to full contract value when you need it most
Multiple crediting methods let you adjust your growth strategy penalty-free each year
Surrender Schedule
Yr 0
0%
Yr 1
2%
Yr 2
2%
Yr 3
2%
Yr 4
2%
Yr 5
2%
Yr 6
2%
Yr 7
2%
Yr 8
2%
Yr 9
1%
After
0%
Terminal illness waiver
Best For
Conservative to moderate investors ages 50–80 seeking retirement income with principal protection, index-linked growth potential, and flexibility to access funds when needed.
Consider Alternatives If
Investors who need immediate access to their full principal, those in a lower tax bracket who don't benefit from tax deferral, or anyone uncomfortable with surrender charges during the first 10 years.
Carrier Ratings
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