MarketProtector (CA)
Jackson National Life
11.55%
Best Cap
10%
Free W/D
49
States
MarketProtector Suite is a fixed index annuity that combines market upside potential with downside protection, designed for retirees who want growth without direct market exposure and tax-deferred compounding.
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
100% protection on initial investmentYour principal is protected when indexes decline because you are not invested directly in the markets. Interest earned is locked in each year.
Index-Linked Growth
Varies by crediting method and market conditionsInterest is calculated based on the performance of a selected index using a cap, rate, or spread that determines the maximum amount of returns credited to your contract.
Multiple Crediting Methods
Flexible selection and annual adjustment rightsChoose from various interest crediting methods and can change selections and allocations penalty-free at the end of each Indexed Option Year.
Tax Deferral
Can result in significantly higher account values over timeInterest earnings grow without annual tax reporting, allowing compounding to accelerate growth. Taxes are only due when distributions are taken.
Flexible Withdrawal Periods
RMDs taken free of withdrawal charges and market value adjustmentsChoose from different Indexed Option Periods to match your retirement timeline, with penalty-free RMD withdrawals available.
Optional Income Rider
Changeable based on retirement circumstancesAdd lifetime income benefits for an additional fee, or opt out later if your needs change.
Highlights
Principal protection when market indexes decline—you don't lose money in down markets
Potential for growth tied to index performance with multiple crediting methods to lock in gains
Tax-deferred growth that accelerates compounding and helps you keep more of your earnings
Flexible customization with choice of indexed option periods, indexes, and crediting strategies
Optional lifetime income benefits that can be added or removed based on changing retirement needs
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 or those nearing retirement who want growth potential with downside market protection, tax-deferred compounding, and flexibility to customize their retirement income strategy.
Consider Alternatives If
This product is not suitable for those who need immediate access to funds, require liquidity within the indexed option period, or are residents of California or Oregon.
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