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Fixed Indexed Annuity

MarketProtector (CA)

Jackson National Life

8.15%

Best Cap

10%

Free W/D

California

Only state

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.

Annual point-to-point cap on the S&P 500

8.15% cap on S&P 500

The California-only filing of Jackson MarketProtector — an accumulation-focused FIA with S&P 500 and MSCI EAFE strategies on a 5- or 7-year surrender chassis.

1-year termAdvisorWorld + CANNEX data

Best fit

California residents above the contract's high premium minimum who want indexed growth with downside protection.

AM Best

A Excellent

Surrender period

7 years

Free withdrawal

10%/yr

Availability

California only

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.

Fixed Account

Fixed Account

4.45% declared rate

Rate varies by premium band.

+ 2 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

  • California-specific filing — gives California residents access to the same MarketProtector chassis as the rest of the country, in a contract priced to California's regulatory requirements.
  • Choice of 5-year and 7-year surrender ladders, each with S&P 500 and MSCI EAFE strategies (cap and trigger).
  • Annual free-withdrawal allowance during the surrender period — published in the live feed for this filing.
  • Jackson National carries an A-level rating from all four major financial-strength agencies.

What to confirm

  • High minimum premium — much higher than most retail FIA minimums.
  • California-only filing; buyers outside California should look at the non-CA MarketProtector filing instead — see the sibling cross-link on this page.
  • No optional income rider and no built-in income-pricing chassis — this is a growth product, not an income product.
  • The California surrender ladder is calibrated to California's filing rules — sits one notch lower than the non-CA filing's schedule in the first year, a small advantage on early-exit cost. Compare the schedules on this page against the non-CA sibling page before locking in.

Not ideal for

Non-California buyers (use the non-CA MarketProtector filing), small-balance buyers, or anyone who wants guaranteed lifetime income.

All crediting strategies

View rate listings (10 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+

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+

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

1

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

8.25%

Yr 2

7.25%

Yr 3

6.5%

Yr 4

5.5%

Yr 5

4.5%

Yr 6

3.75%

Yr 7

2.75%

After

0%

Terminal illness waiver, Surrender waivers

Documents

brochure

Jackson - MarketProtector Fixed Indexed Annuity - Brochure (CA Applicable).pdf.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 (CA) currently shows 5 distinct indexed or fixed crediting choices across 10 current rate listings, including S&P 500 Index and Fixed Account, with 2 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
  • Fixed Account: 4.45% fixed

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
  • 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 (CA Applicable).pdf.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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