Jackson RateProtector
Jackson National Life
4.75%
Best Rate
10%
Free W/D
52
States
Jackson RateProtector is a fixed annuity that guarantees your principal and provides tax-deferred interest growth with flexible access to your money. It's designed for retirement savers who want predictability and protection without market risk.
Free Withdrawal
10%/yr
Available In
52 states
Min Premium
$10,000
Surrender
7 years
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.2% |
| 5-Year | 4.75% |
| 7-Year | 4.75% |
Key Features
Guaranteed Interest Rate Options
Initial rates locked in; 1% to 3% minimum guaranteed annuallyChoose a guaranteed rate period of 3, 5, or 7 years. After that period, rates reset annually and never fall below the contract's guaranteed minimum.
10% Annual Free Withdrawal
10% of accumulated value per contract yearAccess up to 10% of your accumulated contract value each year without surrender charges or market value adjustments.
Tax-Deferred Growth
100% of earnings reinvested until withdrawalInterest accumulates without annual tax liability until you withdraw, allowing all your money to work for you.
RMD-Friendly Withdrawals
Age 73+ RMD distributions unrestrictedRequired minimum distributions can be taken free of charges and adjustments, even if they exceed the 10% free amount.
Terminal Illness & Extended Care Waivers
$250,000 maximum per waiver eventAccess up to 100% of your value (max $250,000) without surrender charges if diagnosed with terminal illness or confined to care for 90+ days.
Flexible Income Start
Income date available through age 95Convert to guaranteed income payments anytime or leave the contract to grow—no mandatory annuitization until age 95.
Death Benefit Protection
Full accumulated contract valueYour entire accumulated contract value passes to beneficiaries as a lump sum or series of payments, with option to preselect payout method.
Principal Protection
Principal + guaranteed interest minimumYour initial investment is protected; guaranteed to grow every year assuming no withdrawals.
Highlights
Guaranteed interest rates for 3, 5, or 7 years with tax-deferred growth on your principal
Penalty-free access to 10% of your accumulated value each year, plus RMD and hardship withdrawals
No requirement to annuitize—keep your money growing or convert to income on your timeline up to age 95
Included waivers provide access to funds for terminal illness or extended nursing home care
Surrender Schedule
Yr 1
8%
Yr 2
8%
Yr 3
7%
Yr 4
6%
Yr 5
5%
Yr 6
4%
Yr 7
3%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Best For
Retired or near-retirees who have a lump sum to invest and want guaranteed growth with tax deferral, predictable income options, and peace of mind that their principal is protected.
Consider Alternatives If
Investors who need frequent access to their full balance, expect to need all their money within 3–7 years, or require investment growth that keeps pace with inflation.
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