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Fixed Indexed Annuity

MarketProtector

Jackson National Life

8.15%

Best Cap

10%

Free W/D

49

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 28, 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 termAdvisorWorld + 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 period

7 years

Free withdrawal

10%/yr

Availability

49 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.15% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.05% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

65% participation rate + 2% spread

Rate varies by premium band.

Fixed Account

Fixed Account

4.45% declared rate

Rate varies by premium band.

+ 3 volatility-controlled index options (MSCI EAFE...)

Lifetime Income Riders

Income rider

Income Accelerator

RMD friendly
Lifetime payout rate8% 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.

All crediting strategies

View rate listings (14 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: 9.3% · 1-yr

MSCI EAFE Index

trigger

7-yr surrender$100,000+

Par: 100% + Fixed: 7.05% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Par: 73% + Spread: 2% · 1-yr

MSCI EAFE Index

participation

7-yr surrender$100,000+

Par: 65% + Spread: 2% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Cap: 11.55% · 1-yr

MSCI EAFE Index

cap

7-yr surrender$100,000+

Cap: 8.15% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Fixed: 4.45% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 100% + Fixed: 9.3% · 1-yr

MSCI EAFE Index

$100,000+

Par: 100% + Fixed: 7.05% · 1-yr

S&P 500 Index

$100,000+

Par: 73% + Spread: 2% · 1-yr

MSCI EAFE Index

$100,000+

Par: 65% + Spread: 2% · 1-yr

S&P 500 Index

$100,000+

Cap: 11.55% · 1-yr

MSCI EAFE Index

$100,000+

Cap: 8.15% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4.45% · 1-yr

Fixed Account

$100,000+

Income riders

Income rider

Income Accelerator

RMD friendly
Lifetime withdrawal rate8%
Annual rider fee2.5%
Withdrawal-base growthNot shown
Deferral assumed10 years
Issue age50 — 80
Joint availabilityJoint life

GLWB

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.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

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 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 7 distinct indexed or fixed crediting choices across 14 current rate listings, including S&P 500 Index and Fixed Account, with 3 volatility-controlled index options grouped separately. 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: 8.15% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Index: 65% participation

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.

  • 8% 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

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