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Jackson National Life
4.5%
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)
A 7-year fixed indexed annuity built around guaranteed lifetime income that is part of the chassis, not an optional rider.
Best fit
Retirees who want built-in lifetime income with a shorter commitment than the 10-year variant and don't want to pay an annual income-rider fee.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Caps, participation rates, and declared rates are shown separately.
S&P 500
S&P 500 Index
4.5% cap rate
1-year term
Premium band not shown
S&P 500
S&P 500 Index
100% participation rate + 4.15% declared rate
1-year term
Premium band not shown
Fixed Account
Fixed Account
2.65% declared rate
1-year term
Premium band not shown
Income rider
Product analyst notes
Not ideal for
New York buyers, anyone chasing the highest index cap, or buyers who would never tap the built-in income — most of what they pay for goes unused.
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: 4.15% · 1-yr
S&P 500 Index
trigger
Cap: 4.5% · 1-yr
S&P 500 Index
cap
Fixed: 2.65% · 1-yr
Fixed Account
fixed
Par: 100% + Fixed: 4.15% · 1-yr
S&P 500 Index
Cap: 4.5% · 1-yr
S&P 500 Index
Fixed: 2.65% · 1-yr
Fixed Account
Income rider
GMWB
Annual amount that may be available without surrender charges, subject to contract terms.
Nursing home waiver, Terminal illness waiver
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Minimum guaranteed cap: 3.00%
Minimum guaranteed declared rate: 3.00%
Guaranteed minimum interest rate (fixed): 2.40%
Contract conversion options should be confirmed before purchase.
Availability can vary by state and product terms.
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
brochure
Direct link not published — request the document from the carrier.
Crediting design
Jackson Income Assurance 7 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.
Income rider language
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.
Liquidity terms
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.
Verification note
Carrier materials such as jmf110994.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.
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