Annuity rate data updated daily

Rate data refreshes daily from AdvisorWorld and CANNEX carrier feeds. View current rates

Fixed Indexed Annuity

Jackson Income Assurance 10

Jackson National Life

4.75%

Best Cap

10%

Free W/D

50

Jurisdictions

Product data status: May 29, 2026

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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

Built-in lifetime income (Protected Income Value)

4.75% cap on S&P 500

A 10-year fixed indexed annuity built around guaranteed lifetime income that is part of the chassis, not an optional rider.

Built-in income — no rider feeAnnual creditingAdvisorWorld + CANNEX data

Best fit

Retirees who want a lifetime income guarantee they don't have to elect or pay an annual rider charge for, and who can leave money committed for the full 10-year surrender period.

AM Best

A Excellent

Surrender period

10 years

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

4.75% cap rate

S&P 500

S&P 500 Index

100% participation rate + 4.4% declared rate

Fixed Account

Fixed Account

2.65% declared rate

Lifetime Income Riders

Income rider

Guaranteed Minimum Withdrawal Benefit

RMD friendly
Lifetime payout rate5.7% lifetime payout
Annual rider fee1.1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Lifetime income is built in — no separate rider election or rider fee is required to keep the income guarantee.
  • Broad state coverage — available in every U.S. state plus DC except New York.
  • Nursing-home and terminal-illness waivers free up the full account value before the 10-year surrender period ends, in qualifying circumstances.
  • Jackson National carries an A-level rating from all four major financial-strength agencies (A.M. Best, Fitch, S&P, Moody's).

What to confirm

  • The 10-year surrender ladder is long and drops slowly — early access beyond the published free-withdrawal allowance is expensive.
  • Index caps and trigger rates on the S&P 500 strategies are modest because pricing is steered toward funding the built-in income guarantee, not maximum accumulation growth.
  • Built-in PIV income mechanics — the exact roll-up and lifetime payout factors — are governed by the contract; verify the current PIV terms with Jackson before locking in.
  • Not available in New York — buyers in NY have to look at a different filing.
  • No premium bonus and no return-of-premium feature beyond standard contract language.

Not ideal for

New York buyers, anyone who wants maximum index growth or full liquidity, or anyone who would not use the built-in lifetime income — the product is priced around the income guarantee they would be giving up.

All crediting strategies

View rate listings (6 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 100% + Fixed: 4.4% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Cap: 4.75% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 2.65% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 100% + Fixed: 4.4% · 1-yr

S&P 500 Index

Cap: 4.75% · 1-yr

S&P 500 Index

Fixed: 2.65% · 1-yr

Fixed Account

Income riders

Income rider

Guaranteed Minimum Withdrawal Benefit

RMD friendly
Lifetime withdrawal rate5.7%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age50 — 80
Joint availabilityJoint life

GMWB

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

Return of Premium Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 3.05%

Strategy guarantee

Minimum guaranteed declared rate: 3.05%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 2.40%

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%

Yr 8

2.75%

Yr 9

1.75%

Yr 10

0.75%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

product guide

jmf110879.pdf

Confidence: highReviewed Apr 8, 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

Jackson Income Assurance 10 currently shows 3 distinct indexed or fixed crediting choices across 6 current rate listings, including S&P 500 Index and Fixed Account. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 4.75% cap
  • S&P 500 Index: 100% participation
  • Fixed Account: 2.65% fixed

Income rider language

What to look for before treating the rider as income

Guaranteed Minimum Withdrawal Benefit 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.

  • 5.7% withdrawal rate
  • 1.1% 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
  • 10 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 jmf110879.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

Get a personalized Jackson Income Assurance 10 illustration

See year-by-year projections for your specific age, premium, and income goals.

Get Free Report

Related Resources