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Fixed Indexed Annuity

Jackson Income Assurance Advisory 7

Jackson National Life

5.25%

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), fee-based wrapper

5.25% cap on S&P 500

An advisory-share, no-surrender fixed indexed annuity with built-in lifetime income, designed for fee-based advisor accounts.

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

Best fit

Clients of a fee-based advisor who want guaranteed lifetime income wrapped inside their managed-account structure with full contract liquidity.

AM Best

A Excellent

Free withdrawal

10%/yr

Availability

50 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.25% cap rate

S&P 500

S&P 500 Index

100% participation rate + 4.9% 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

  • No surrender-charge schedule — the contract is fully liquid from day one, suited to fee-based advisory accounts.
  • Built-in PIV lifetime income without an annual rider charge layered on top of the advisor's management fee.
  • Index caps on the S&P 500 strategies run higher than the commission 7-year variant because pricing isn't carrying a commission load.
  • Broad state coverage — available in every U.S. state plus DC except New York.

What to confirm

  • Sold only through fee-based advisor channels; the advisor charges an asset-based management fee on the contract.
  • PIV roll-up and lifetime payout factors are governed by the contract — confirm current PIV terms with Jackson before locking in.
  • Caps are still calibrated to fund the income guarantee, not pure accumulation.
  • Terminal-illness waiver only — no nursing-home liquidity waiver.
  • Not available in New York — fee-based clients in NY have to look at a different filing.

Not ideal for

New York buyers, anyone without a fee-based advisor relationship, or buyers who would rather have a commission contract with floor-rate protection and a defined surrender schedule.

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: 4.9% · 1-yr

S&P 500 Index

trigger

Par: 100% + Fixed: 4.9% · 1-yr

S&P 500 Index

Cap: 5.25% · 1-yr

S&P 500 Index

cap

Cap: 5.25% · 1-yr

S&P 500 Index

Fixed: 2.65% · 1-yr

Fixed Account

fixed

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 age5080
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

1

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: 3.00%

Strategy guarantee

Minimum guaranteed declared rate: 3.00%

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 0

0%

After

0%

Terminal illness waiver, Surrender waivers

Documents

brochure

Jackson - Income Assurance Advisory 7 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

Jackson Income Assurance Advisory 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.

  • S&P 500 Index: 5.25% 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
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as Jackson - Income Assurance Advisory 7 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

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