Jackson RateProtector
Jackson National Life
5.05%
7-yr guarantee
10%
Free W/D
52
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Guaranteed 7-year rate
5.05% guaranteed for 7 years
A multi-year guaranteed annuity from Jackson National with three guarantee-period choices, full nationwide availability, and a clean declining surrender ladder.
Best fit
High-net-worth savers who want a multi-year guaranteed rate from a top-rated carrier, with no market value adjustment and broad state availability.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Availability
52 jurisdictions
Product analyst notes
How to think about this contract
Why it can stand out
- Available in every U.S. state plus DC — broader than most multi-year guaranteed annuities, with no jurisdiction excluded.
- Three guarantee-period choices — 3, 5, and 7 years — let a buyer pick the lock that fits their horizon.
- A clean linear surrender ladder declines by one whole notch each year over the full surrender period, the simplest possible schedule.
- Annual free-withdrawal allowance during the surrender period — published in the live feed for this filing.
- No market value adjustment — surrenders aren't amplified by interest-rate moves.
What to confirm
- High minimum premium — much higher than the entry minimums on most retail multi-year guaranteed annuities, so this is a high-net-worth filing rather than a small-account product.
- No 10-year guarantee period is offered on this filing — buyers wanting a longer rate lock have to look elsewhere.
- No return-of-premium feature — early surrender beyond the published free-withdrawal amount is subject to the schedule.
- Rates vary by premium band — confirm the band-specific rate for your premium amount before locking in.
Not ideal for
Buyers whose premium is below the minimum, anyone who wants a 10-year guarantee period, or buyers who need return-of-premium liquidity.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 3-Year | 4.55% |
| 5-Year | 4.95% |
| 7-Year | 5.05% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
7%
Yr 2
6%
Yr 3
5%
Yr 4
4%
Yr 5
3%
Yr 6
2%
Yr 7
1%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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