Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what MarketProtector would do for you
Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.
Product analyzer
Illustrative — live CANNEX rates as of July 13, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$150,842
Est. value at age 80 (MarketProtector)
8.15%
Best S&P 500 1-yr point-to-point cap
MSCI EAFE Index — 11.55% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies MarketProtector's published cap rate (11.55% on MSCI EAFE Index) to a calibrated proprietary/volatility-controlled hypothetical index path (~1.9%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of July 13, 2026.
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See how MarketProtector compares for your age, state, premium, and income goals alongside other Jackson National Life fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Jackson National Life product.
Live product data
Rates as of July 13, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Annual point-to-point cap on the S&P 500
8.15% cap on S&P 500
A high-minimum, accumulation-focused fixed indexed annuity with both S&P 500 and international-index strategies on a 5- or 7-year surrender chassis.
1-year term7-year surrender$100,000+AdvisorWorld + CANNEX data
Best fit
Buyers above the contract's high premium minimum who want indexed growth on the S&P 500 or MSCI EAFE with downside protection and a short-to-mid surrender period.
AM Best
A Excellent
Surrender options
5 and 7 years
Free withdrawal
10%/yr
Availability
49 jurisdictions (excl. California, New York)
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
8.1% cap rate
Annual cap
1-year term · 5-year surrender · $100,000+
Rate varies by premium band.
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
8.15% cap rate
Annual cap
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
7% trigger rate
Performance trigger
1-year term · 5-year surrender · $100,000+
Rate varies by premium band.
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
7.05% trigger rate
Performance trigger
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
S&P 500
S&P 500 Index
64% participation rate + 2% spread
Participation
1-year term · 5-year surrender · $100,000+
Rate varies by premium band.
1-year term
5-year surrender
$100,000+
S&P 500
S&P 500 Index
65% participation rate + 2% spread
Participation
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
Fixed Account
Fixed Account
4.4% declared rate
Fixed account
1-year term · 5-year surrender · $100,000+
Rate varies by premium band.
1-year term
5-year surrender
$100,000+
Fixed Account
Fixed Account
4.45% declared rate
Fixed account
1-year term · 7-year surrender · $100,000+
Rate varies by premium band.
1-year term
7-year surrender
$100,000+
+ 12 additional crediting options (MSCI EAFE...)
Lifetime Income Riders
Income rider
Income Accelerator
RMD friendly
Lifetime payout rate5.5% lifetime payout
Annual rider fee2.5% annual rider fee
Product analyst notes
How to think about this contract
Why it can stand out
Choice of 5-year and 7-year surrender chassis, each with both S&P 500 and MSCI EAFE international strategies.
Mix of cap, participation-with-spread, and performance-trigger strategies on each index — buyers can blend approaches to match their growth view.
Annual free-withdrawal allowance plus nursing-home and terminal-illness waivers provide meaningful liquidity flexibility for buyers who need to tap the contract early.
Jackson National carries an A-level rating from all four major financial-strength agencies.
What to confirm
High minimum premium — meaningfully higher than the entry minimums on most retail FIAs, so this is a high-net-worth filing rather than a small-account product.
Not available in California or New York — California buyers should look at the dedicated MarketProtector (CA) filing instead, and New York buyers have to look at a different filing.
A market value adjustment (MVA) applies to surrenders — early withdrawals beyond the published free-withdrawal allowance can be amplified up or down by interest-rate moves.
No premium bonus and no optional income rider — this is a growth chassis, not an income chassis.
Not ideal for
California or New York residents, smaller-balance buyers, or anyone who wants a guaranteed lifetime income rider.
Free Comparison Report
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See how MarketProtector compares for your age, state, premium, and income goals alongside other Jackson National Life fixed indexed annuity options.
“In my view, the Jackson MarketProtector strikes a reasonable balance between simplicity, income planning, and accumulation potential. Unlike many FIAs that heavily rely on proprietary volatility-controlled indices, this product keeps things relatively straightforward by focusing on well-known benchmarks like the S&P 500 and MSCI EAFE. The product’s relatively competitive cap rates and performance-trigger rates are a positive, particularly for investors who want a simpler FIA structure without sacrificing too much growth potential.
The optional IncomeAccelerator rider also adds meaningful retirement income flexibility, especially for investors who plan to defer withdrawals and benefit from the increasing lifetime income percentages over time. However, the rider cost is on the higher side relative to some competitors, and the income calculations based on accumulated value may not always be as attractive as products using separate, faster-growing income bases. Additionally, strategies combining participation rates with spreads are generally less efficient and, in my opinion, are best avoided. Overall, I would view Jackson MarketProtector as a solid middle-ground FIA for retirees seeking principal protection, relatively transparent indexing options, and moderate lifetime income potential without excessive product complexity.”
A negative index return by itself does not reduce the contract's account value: MarketProtector credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● Is the Income Accelerator income rider worth the 2.5% fee?
It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 5.5% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The surrender period runs 7 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do MarketProtector's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current MarketProtector strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2
Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
1.00%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
2.40%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
10.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Maximum spread
10.00%
Maximum spread: 10.00%
Annuitization options
Single and joint
Contract conversion options should be confirmed before purchase.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
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%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Documents
brochure
Jackson - MarketProtector Fixed Indexed Annuity - Brochure (Suite).pdf
Confidence: highReviewed Apr 4, 2026
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestA
S&PA
Moody'sA2
S&PA
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
MarketProtector currently shows 32 distinct indexed or fixed crediting choices across 42 current rate listings, including S&P 500 Index, with 13 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.
S&P 500 Index: 8.1% annual cap
S&P 500 Index: 8.15% annual cap
S&P 500 Index: 7.1% annual cap
S&P 500 Index: 7.15% annual cap
Income rider language
What to look for before treating the rider as income
Income Accelerator is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
5.5% withdrawal rate
2.5% rider fee
10 deferral years
RMD friendly
Joint life availability
Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
7 surrender years
Nursing home waiver
Terminal illness waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
Carrier materials such as Jackson - MarketProtector Fixed Indexed Annuity - Brochure (Suite).pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
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See how MarketProtector compares for your age, state, premium, and income goals alongside other Jackson National Life fixed indexed annuity options.