MarketProtector
Jackson National Life
11.55%
Best Cap
10%
Free W/D
49
States
A fixed index annuity that combines downside protection with upside growth potential, designed for retirees seeking a balance between safety and market-linked returns without direct stock market exposure.
Free Withdrawal
10%/yr
Available In
49 states
Min Premium
$25,000
Surrender
10 years
Current Rates & Strategies
| Index | Crediting | Cap | Participation | Fixed |
|---|---|---|---|---|
| MSCI EAFE Index | Annual | 11.55% | 100% | -- |
| S&P 500 Index | Annual | 8.15% | 100% | -- |
| Fixed Account | Daily | -- | -- | 4.4% |
Key Features
Principal Protection
0% loss floor in down marketsYour initial investment is protected even when the index declines; interest earned is locked in annually
Index-Linked Interest
Varies by crediting method selectedGrowth potential through interest credited based on index performance, calculated using a cap, rate, or spread
Multiple Crediting Methods
Penalty-free changes annuallyChoose from various interest crediting strategies to capture growth and lock in gains
Flexible Index Options
Customizable by issue age and distributorSelect from multiple indexes to match your retirement timeline and risk comfort
Changeable Lifetime Income Rider
Additional cost appliesAdd optional lifetime income benefits for an additional fee; modify or remove later if circumstances change
RMD-Friendly Withdrawals
No surrender charges on RMDsRequired minimum distributions can be taken free of withdrawal charges and market value adjustments, even if exceeding 10% annual limit
Tax Deferral
Can significantly accelerate account growthInterest earnings grow tax-deferred, allowing compound growth before distributions begin
Annual Rebalancing
No surrender charges for changesPenalty-free opportunity to change index selections and allocations at the end of each contract year
Highlights
Principal protection from market downturns—you don't lose money when indexes decline
Potential for growth through index-linked interest with multiple crediting methods to lock in gains
Flexibility to customize timelines, indexes, and crediting strategies; change selections penalty-free annually
Tax-deferred growth that can accelerate retirement savings compared to taxable accounts
Optional lifetime income benefits that can be added later or removed if needs change
Surrender Schedule
Yr 1
9%
Yr 2
8.25%
Yr 3
7.25%
Yr 4
6.5%
Yr 5
5.5%
Yr 6
4.5%
Yr 7
3.75%
Yr 8
2.75%
Yr 9
1.75%
Yr 10
0.75%
After
0%
Nursing home waiver, Terminal illness waiver
Best For
Retirees and pre-retirees nearing or in retirement who want principal protection from market losses while maintaining growth potential and the option for guaranteed lifetime income.
Consider Alternatives If
This product may not be suitable for investors who need immediate access to funds without surrender charges, those with short time horizons, or individuals in non-qualified plans where tax deferral offers no benefit.
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