Diversification * at the Core

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3 ELITE ACCESS Diversification * at the Core Elite Access gives you a wide range of investment options, philosophies, and expertise all optimized through the benefit of tax deferral. Work with your representative to construct a portfolio to meet your specific needs and goals. Equity Investments Choose from a broad range of equity options including varying investment styles, domestic and international, and specific sector and specialty investments for core growth. Fixed Income Select from a variety of fixed income options that reflect a range of durations, issuers, credit ratings, and yields for traditionally conservative portfolio components. Alternative Assets Include tangible assets such as real estate, commodities, and infrastructure that can be a potential source of returns during periods of inflation. Alternative Strategies Gain access to subaccounts focused on arbitrage, market neutral, risk parity, long/short, managed futures, and more strategies that seek to achieve positive returns while reducing volatility in various markets. Tactical Explore offensively positioned strategies that provide asset allocation flexibility and can take advantage of opportunities in global markets. Risk Management Address market unpredictability and volatility by selecting strategies that employ a defensive risk management style while seeking long-term growth. Guidance Portfolios Access professionally managed, expertly constructed portfolios that combine individual investment options and strategies. See primary risks beginning on page 15. * Diversification does not assure a profit or protect against loss in a declining market. Portfolios that have a greater percentage of alternatives may have greater risks, especially those including arbitrage, currency, leveraging, and commodities. This additional risk can offset the benefit of diversification. Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA, and may be found at a lower cost in other investment products. It also may not be available if the annuity is owned by a non-natural person such as a corporation or certain types of trusts. 2

4 PROOF Process The method for portfolio selection, integration, and monitoring. We re often asked how we choose portfolio managers and construct portfolios in Elite Access. The manager selection process begins by drawing on the internal and external resources of Jackson's asset management arm, Jackson National Asset Management, LLC (JNAM). The due diligence process for Elite Access may be described by the acronym PROOF, and it consists of the following disciplined methodology that s focused on optimizing portfolio performance. 1. Performance We review dozens of quantitative criteria to determine whether the subadvisor s performance is compelling and competitive. 2. Repeatability To gauge the subadvisor s potential to sustain performance over time, we evaluate qualitative factors, such as the quality and stability of the management team. 3. Operational Review We maintain regular contact with subadvisors to review transparency and integrity and ensure processes and technology are sound. 4. Ongoing Oversight Assessment of subadvisors is ongoing. This includes personal meetings, on-site visits, and formal quarterly reviews to track performance versus expectations. 5. Fit We also consider how well each subadvisor complements the objectives of the portfolio and the other subadvisors on the platform. Trust Demands a Strong Foundation We do not take our responsibility to investors lightly. The PROOF Process is played out in concrete, day-to-day actions such as the nearly 800 due diligence meetings with existing and potential investment partners JNAM conducts each year. * We regularly evaluate portfolio performance and monitor portfolio manager governance, regulatory compliance, and financial stability. Any manager who does not meet expectations will be replaced. Why do we put so much emphasis on money manager selection and oversight? Because we know it can have a significant impact on long-term success. JNAM conducts nearly 800 due diligence meetings with existing and potential investment partners each year. *Source: Jackson National Asset Management, LLC (JNAM),

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6 Investment Lineup Equity Investments Morningstar * Category Name JNL /American Funds Growth Large Growth JNL/T. Rowe Price Established Growth Large Growth JNL/American Funds Growth-Income Large Blend JNL/DFA U.S. Core Equity Large Blend JNL/Mellon Capital S&P 500 Index Large Blend JNL/The London Company Focused U.S. Equity Large Blend JNL/T. Rowe Price Value Large Value JNL/The Boston Company Equity Income Large Value JNL/JPMorgan MidCap Growth Mid-Cap Growth JNL/Mellon Capital S&P 400 MidCap Index Mid-Cap Blend JNL/PPM America Mid Cap Value Mid-Cap Value JNL/Invesco Small Cap Growth Small Growth JNL Multi-Manager Small Cap Growth Small Growth JNL/DFA U.S. Micro Cap Small Blend JNL/Mellon Capital Small Cap Index Small Blend JNL Multi-Manager Small Cap Value Small Value JNL/American Funds Global Growth World Stock JNL/Epoch Global Shareholder Yield World Stock JNL/Harris Oakmark Global Equity World Stock JNL/Franklin Templeton Income Conservative Allocation JNL/WMC Balanced Moderate Allocation International JNL/American Funds International Foreign Large Growth JNL/Invesco International Growth Foreign Large Growth JNL/WCM Focused International Equity Foreign Large Growth JNL/Lazard International Strategic Equity Foreign Large Blend JNL/Mellon Capital International Index Foreign Large Blend JNL/Causeway International Value Select Foreign Large Value JNL/Franklin Templeton International Small Cap Growth Foreign Small/Mid Blend JNL/Lazard Emerging Markets Diversified Emerging Markets JNL/Mellon Capital Emerging Markets Index Diversified Emerging Markets JNL/Oppenheimer Emerging Markets Innovator Diversified Emerging Markets JNL/Invesco China-India TBD Investments in the JNL/WMC Money Market are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the portfolio seeks to preserve the value of your investment, it is possible to lose money by investing in the portfolio. Equity Investments Morningstar Category Name Sector JNL/Mellon Capital Communications Sector Communications JNL/Mellon Capital Consumer Brands Sector Consumer Cyclical JNL/Mellon Capital Oil & Gas Sector Equity Energy JNL/Mellon Capital Financial Sector Financial JNL/Mellon Capital Healthcare Sector Health JNL/Mellon Capital Technology Sector Technology JNL/Mellon Capital Utilities Sector Utilities Specialty JNL/Mellon Capital Nasdaq 100 Large Growth JNL/Mellon Capital S&P 24 Large Growth JNL/S&P Competitive Advantage Large Growth JNL/DoubleLine Shiller Enhanced CAPE Large Value JNL/S&P 4 Large Value JNL/S&P Dividend Income & Growth Large Value JNL/S&P Intrinsic Value Large Value JNL/S&P Total Yield Large Value JNL/S&P Mid 3 Mid-Cap Blend JNL/Mellon Capital S&P SMid 60 Small Value JNL/Mellon Capital Index 5 Aggressive Allocation JNL/S&P International 5 Foreign Large Value JNL/Mellon Capital Pacific Rim 30 Diversified Pacific/Asia JNL/Mellon Capital European 30 Europe Stock Fixed Income Morningstar Category Name JNL/PPM America Floating Rate Income Bank Loan JNL/Goldman Sachs Emerging Markets Debt Emerging Markets Bond JNL/PPM America High Yield Bond High Yield Bond JNL/PIMCO Real Return Inflation-Protected Bond JNL/JPMorgan U.S. Government & Quality Bond Intermediate Government JNL/DoubleLine Total Return Intermediate-Term Bond JNL/Mellon Capital Bond Index Intermediate-Term Bond JNL/PIMCO Credit Income Intermediate-Term Bond JNL/PIMCO Total Return Bond Intermediate-Term Bond JNL/PPM America Total Return Intermediate-Term Bond JNL/Neuberger Berman Strategic Income Multisector Bond JNL/Scout Unconstrained Bond Nontraditional Bond JNL/T. Rowe Price Short-Term Bond Short-Term Bond JNL/Crescent High Income TBD JNL/DoubleLine Emerging Markets Fixed Income TBD JNL/Franklin Templeton Global Multisector Bond World Bond JNL/WMC Money Market Money Market - Taxable 5 * 2016 Morningstar, Inc. All rights reserved. Morningstar Category Names as of 12/31/2015. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. This subaccount is not taxable within the structure of a variable annuity.

7 Alternative Assets JNL/BlackRock Natural Resources JNL/Neuberger Berman Risk Balanced Commodity Strategy JNL/Van Eck International Gold JNL/Invesco Global Real Estate JNL/Brookfield Global Infrastructure and MLP JNL/Red Rocks Listed Private Equity Morningstar Category Name Commodities Broad Basket Commodities Broad Basket Equity Precious Metals Global Real Estate World Stock World Stock Alternative Strategies JNL/FAMCO Flex Core Covered Call JNL/Goldman Sachs U.S. Equity Flex JNL/Boston Partners Global Long Short Equity JNL/AQR Managed Futures Strategy JNL/Nicholas Convertible Arbitrage JNL Multi-Manager Alternative JNL/Westchester Capital Event Driven JNL/Neuberger Berman Currency JNL/BlackRock Global Long Short Credit JNL/Eaton Vance Global Macro Absolute Return Advantage JNL/PPM America Long Short Credit JNL/AQR Risk Parity Morningstar Category Name Large Blend Large Blend Long/Short Equity Managed Futures Market Neutral Multialternative Multialternative Multicurrency Nontraditional Bond Nontraditional Bond Nontraditional Bond Tactical Allocation Tactically Managed Strategies JNL Tactical ETF Conservative JNL Tactical ETF Moderate JNL Tactical ETF Growth JNL/T. Rowe Price Capital Appreciation JNL/BlackRock Global Allocation JNL/FPA + DoubleLine Flexible Allocation Morningstar Category Name Conservative Allocation Moderate Allocation Aggressive Allocation Moderate Allocation World Allocation TBD Risk Management Strategies JNL/MMRS Conservative JNL/MMRS Moderate JNL/MMRS Growth JNL/AB Dynamic Asset Allocation Morningstar Category Name Conservative Allocation Moderate Allocation Aggressive Allocation Tactical Allocation Fund availability may vary by firm. 6

8 Guidance Portfolios Sophisticated investments. Expertly constructed. For those investors looking to leverage additional expertise in building their investment portfolio, we proudly offer the Guidance Portfolios managed by JNAM, which are designed to suit a variety of investment needs and make it easier to incorporate the pieces of Elite Access into your portfolio. Diversified Guidance Portfolios Our Diversified portfolios employ multiple asset classes and management styles for a fully constructed portfolio option designed to match your specific risk tolerance. Diversified - Risk-based Series JNAM Guidance - Conservative JNAM Guidance - Moderate JNAM Guidance - Moderate Growth JNAM Guidance - Growth JNAM Guidance - Maximum Growth Morningstar Category Name Conservative Allocation Moderate Allocation Moderate Allocation Aggressive Allocation Aggressive Allocation Focused Guidance Portfolios Each of our Focused portfolios are constructed with a precise objective in mind. Some remain concentrated within specific asset classes, while others attempt to provide a particular investment opportunity or address a potential investor challenge. In any case, they can help simplify the portfolio-building process. Focused Series JNAM Guidance - Equity 100 JNAM Guidance - Fixed Income 100 JNAM Guidance - Alt 100 Morningstar Category Name World Stock Intermediate-Term Bond Multialternative Focused - Interest Rate/Inflation Sensitive JNAM Guidance - Interest Rate Opportunities JNAM Guidance - Real Assets Morningstar Category Name Multisector Bond World Allocation Additional Guidance Portfolio Additional Strategy JNL Alt 65 Morningstar Category Name Tactical Allocation 7

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10 Diversified Guidance Portfolios Risk-based Series These five portfolios combine traditional and alternative investments with risk management strategies to help simplify the portfolio-building process while addressing individual investment goals and tolerance for risk. JNAM Guidance Conservative JNAM Guidance Moderate JNAM Guidance Moderate Growth Equity 27.00% Domestic 21.50% International 5.50% Fixed Income 51.50% Alternatives 21.50% Strategies 20.25% Assets 1.25% Equity 40.50% Domestic 29.75% International 10.75% Fixed Income 38.00% Alternatives 21.50% Strategies 20.25% Assets 1.25% Equity 55.50% Domestic 38.75% International 16.75% Fixed Income 23.00% Alternatives 21.50% Strategies 20.25% Assets 1.25% Equities Consist of long-only domestic and international stocks that are actively or passively managed Fixed Income Includes bonds with varying duration, credit quality and yield Alternative Strategies Trading techniques that allow the manager to buy and/or sell any asset class, these strategies include arbitrage, long/short and managed futures Alternative Assets Tangible assets such as real estate, commodities and gold See primary risks for these guidance portfolios beginning on page Targeted new money allocations only as of December 31, Allocations are subject to change. Please see the prospectus for a discussion of the investment risks associated with these investment options.

11 JNAM Guidance Growth JNAM Guidance Maximum Growth Equity 68.00% Domestic 44.50% International 23.50% Fixed Income 10.50% Alternatives 21.50% Strategies 20.25% Assets 1.25% Equity 80.75% Domestic 53.00% International 27.75% Fixed Income 6.50% Alternatives 12.75% Strategies 12.75% 10

12 Focused Guidance Portfolios 100 Series These portfolios can help establish your core exposure to equities, fixed income, and alternatives. Each one contains a broad range of investments that is focused within a specific asset class. JNAM Guidance Fixed Income 100 JNAM Guidance Equity 100 Fixed Income 96.00% Alternatives 4.00% Strategies 4.00% Equity % Domestic 60.00% International 40.00% JNAM Guidance Alt 100 Alternatives % Strategies 89.00% Assets 11.00% Equities Consist of long-only domestic and international stocks that are actively or passively managed Fixed Income Includes bonds with varying duration, credit quality and yield Alternative Strategies Trading techniques that allow the manager to buy and/or sell any asset class, these strategies include arbitrage, long/short and managed futures Alternative Assets Tangible assets such as real estate, commodities and gold See primary risks for these guidance portfolios beginning on page Targeted new money allocations only as of December 31, Allocations are subject to change. Please see the prospectus for a discussion of the investment risks associated with these investment options.

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14 Tactically Managed Strategies Four expert money managers provide six strategies that seek growth opportunities throughout market cycles. Overview Approach Asset Classes Tactical ETF Strategies JNL Tactical ETF Strategies built with ishares that proactively respond to market cycles Adjusts allocations monthly within a specified range, based on trend analysis Assets diversified among ishares ETFs including domestic and international equities, and fixed income Capital Appreciation Strategy Seeks to minimize losses in difficult equity markets and provide positive risk-adjusted performance in stronger equity markets Utilizes quantitative inputs to complement extensive fundamental bottom-up analysis; maintains valuation discipline and emphasizes companies with strong balance sheets and significant free cash flow Flexibility to own multiple asset classes; maintains a minimum 50% allocation to equities with remaining assets invested in fixed income securities, convertibles, and cash reserves Highly diversified portfolio of approximately 700 securities across domestic and international stocks, bonds, and cash, while also including alternatives like commodities, emerging market debt, and REITs Global Allocation Strategy Strategy seeks to balance growth participation in stronger markets with downside in weaker markets Uses fundamental research across a wide range of companies and securities to capitalize on investment opportunities based on market trends Flexible Allocation Strategy Seeks to achieve equity-like returns with less risk than the market over full market cycles By utilizing a bottom-up, go-anywhere approach with a broad mandate, the managers can invest across asset classes and in a variety of market caps, geographies and sectors Flexibility to invest globally and in various asset classes Risk Management Strategies Two expert money managers deliver four strategies designed to manage downside risk while providing upside return potential. Overview Approach Asset Classes Managed Risk Strategies Strategies that primarily manage to a specified volatility while secondarily seeking growth A quantitative process that seeks to stabilize volatility and reduce the impact of major market declines by reallocating among asset classes using two complementary risk management techniques Access to traditional equities, fixed income, and cash through a variety of Jackson subaccounts Dynamic Asset Allocation Strategy Proactive strategy that seeks to balance the potential return within a volatility range Quantitative and research-driven fundamental analysis can proactively move assets to maintain a targeted volatility Portfolio consists of securities across equity, fixed income, currencies, cash, and opportunistic assets such as inflation sensitive or emerging markets 13 See primary risks for these strategies beginning on page 15.

15 Mechanism Subaccount Options Risk Tolerance Neutral Allocation Reallocation Mechanism Shifts assets +/- 15% between equities and fixed income generally monthly, except in extreme events Choose from these portfolio options JNL Tactical ETF Conservative Conservative 40/60 Shifts +/-15% JNL Tactical ETF Moderate Moderate 60/40 Shifts +/-15% JNL Tactical ETF Growth Growth 80/20 Shifts +/-15% A highly diversified core strategy with the ability to adjust allocation depending on the market environment; the subaccount typically invests in equities and fixed income securities One portfolio option JNL/T. Rowe Price Capital Appreciation Moderate 60/40 Bottom-up asset allocation process with quantitative sector Manages risk through diversification; the subaccount typically invests in more than 700 securities across domestic and international stocks, bonds, and cash One portfolio option JNL/BlackRock Global Allocation Moderate 60/40 Active asset allocation between domestic and international equity as well as equity and fixed income Up to 80% of assets in equities when there are significant opportunities, as low as 50% of assets when there are few opportunities One portfolio option JNL/FPA + DoubleLine Flexible Allocation Moderate No neutral allocation Bottom-up asset allocation process Mechanism Target Volatility Seeks to reduce large fluctuations in subaccount value over time, shifting allocations as often as daily Capital Preservation Seeks to manage large market downturns by employing a risk management technique Choose from these portfolio options Subaccount Options Risk Tolerance Neutral Allocation JNL/MMRS Conservative Conservative 40/60 JNL/MMRS Moderate Moderate 60/40 JNL/MMRS Growth Growth 80/20 Reallocation Mechanism 8% Target Volatility 5% Fixed Income Vol. Cap 10% Target Volatility 5% Fixed Income Vol. Cap 12% Target Volatility 5% Fixed Income Vol. Cap Ranged Volatility Managing the strategy's standard deviation to an expected range, shifting allocations as often as daily One portfolio option JNL/AB Dynamic Asset Allocation Growth 70/ % Projected Volatility See primary risks for these strategies beginning on page

16 Primary Risks Our Equity, Fixed Income, Alternative Assets, and Alternative Strategies include exposure to: Commodity Commodities investments and/or commodity-linked derivative instruments, especially if leveraged, may entail greater volatility from a variety of causes than traditional securities. This risk applies to managed futures and risk parity strategies. Equity The price of equity or equity-related securities will fluctuate and can decline and reduce the value of a portfolio investing in these securities. This risk applies to tactically managed, risk management, real estate, commodities, infrastructure, arbitrage, long/short, market neutral and risk parity strategies. Fixed income Fixed income prices respond to changing economic environments, including interest rate changes and credit risk perceptions of individual issuers, which can negatively affect the price and income level. This risk applies to tactically managed, risk management, arbitrage, long/short, infrastructure and risk parity strategies. Floating Rate Loan investments involve credit risk, interest rate risk, liquidity risk, and risk of being a lender. Forward and futures contract Successful use of futures and forwards is dependent upon the subadvisors skill and experience with those instruments and include risks such as imperfect correlation, potentially unlimited losses, inability to predict movements or direction, counterparty default, and margin requirements resulting in a disadvantageous sale. This risk applies to tactically managed, risk management, managed futures, commodities and risk parity strategies. Infrastructure Infrastructure companies securities are more susceptible to adverse economic or regulatory occurrences affecting their industries, including capital construction interest rate, high leverage, regulatory costs, surplus capacity, increased competition, reasonable fuel prices, energy conservation policies, service interruption, tariffs and taxes, innovations in technology, market demand, terrorist acts, and environmental damage. Merger Arbitrage Merger arbitrage strategies seek to exploit the difference in market prices of publicly traded equities at the announcement and throughout the process of corporate merger and acquisition events. Precious Metals-related Securities Prices of precious metals and of precious metal related securities historically have been very volatile, which may adversely affect the financial condition of companies involved with precious metals. Inflation and changes in demand may affect the prices of precious metals and related securities. Real Estate This investment may be closely linked to the performance of the real estate markets and may rise and fall more than the value of shares of a fund invested in a broader range of companies. Short Sales A short sale may be affected by selling a security that the fund does not own. If the price of the security sold short increases, the fund would incur a potentially unlimited loss; conversely, if the price declines, the fund will realize a gain. This risk applies to arbitrage, long/short and market neutral strategies. Tactically Managed and Risk Management Strategies Include exposure to actively managed portfolio strategies that rebalance the percentages of assets held in various categories in order to take advantage of market pricing anomalies or strong market sectors. TIPS The value of Treasury inflation-protected securities (TIPS) generally fluctuates in response to changes in real interest rates, which are, in turn, tied to the relationship between nominal interest rates and the rate of inflation. If nominal interest rates increased at a faster rate than inflation, then real interest rates might rise, leading to a decrease in the value of inflation-protected securities. 15

17 Our Guidance Portfolios, Risk Management, and Tactically Managed Strategies include exposure to: Allocation/underlying Fund Performance depends on the changes in market and economic conditions in the selection and percentages of allocations among underlying funds. This risk applies to all JNAM Guidance, JNL/MMRS, and JNL Tactical ETF Strategy portfolios. Convertible Securities Convertible securities have both debt and equity characteristics. Equities may have greater potential growth, but also higher volatility. The value of the convertible and debt securities may fall when interest rates rise. Longer duration securities may be more volatile and sensitive to interest rate changes than the underlying common stock. This risk applies to JNL/T. Rowe Price Capital Appreciation. Credit This portfolio could lose money if the issuer or guarantor of a fixed-income security, or the counterparty to a derivatives contract, repurchase agreement, or a loan of portfolio securities, is unable or unwilling to make timely principal and/or interest payments, or to otherwise honor its obligations. This risk applies to JNL/BlackRock Global Allocation. Currency The portfolio s net asset value could decline as a result of changes in the exchange rates between foreign currencies and the U.S. dollar. Certain countries may impose restrictions that block principal and interest payments to investors outside the country. This risk applies to JNL/AB Dynamic Asset Allocation and JNL/BlackRock Global Allocation. Derivatives This portfolio invests in derivative instruments such as swaps, options, futures contracts, forward currency contracts, indexed and asset-backed securities, to be announced (TBAs) securities, interest rate swaps, credit default swaps, and certain exchange-traded funds that involve risks including liquidity, interest rate, market, currency, counterparty, credit and management risks, mispricing or improper valuation, low correlation with the underlying asset, rate, or index and could lose more than originally invested. This risk applies to JNL/AB Dynamic Asset Allocation and JNL/BlackRock Global Allocation. Emerging Markets Investing in emerging markets may involve greater risks than investing in developed countries, including the possibility of industry concentration, nationalization, taxes and transaction costs, lower trading volumes, and less liquid securities, resulting in higher volatility. This risk applies to all JNL/MMRS portfolios. It also applies to JNAM Guidance Equity 100, JNAM Guidance Fixed Income 100, JNL/AB Dynamic Asset Allocation and JNL/BlackRock Global Allocation. Equity The price of equity or equity-related securities will fluctuate and can decline and reduce the value of a portfolio investing in these securities. This risk applies to all JNAM Guidance portfolios except Alt 100, Fixed Income 100 and Interest Rate Opportunities. It also applies to all Tactically Managed portfolios and Risk Management portfolios. Exchange-traded Funds An exchange-traded fund ( ETF ) may fail to accurately track the market segment or index it is meant to track or trade at a discount to its net asset value NAV." Shareholders of the fund will bear their proportionate share of the ETF fees in addition to their fund fees. This risk applies to JNL/AB Dynamic Asset Allocation and JNL Tactical ETF Strategy portfolios. Fixed Income Fixed income prices respond to changing economic environments, including interest rate changes and credit risk perceptions of individual issuers, which can negatively affect the price and income level. This risk applies to all JNAM Guidance portfolios except Equity 100 and Alt 100. It also applies to all Tactically Managed portfolios and Risk Management portfolios. Foreign Securities Investments in foreign securities are subject to adverse fluctuations in foreign currency values, political, less publicly available information, social and economic developments, and possible imposition of foreign withholding taxes on income payable on the securities. They may be more volatile and less liquid than U.S. markets. This risk applies to all JNAM Guidance, Risk Management and Tactically Managed portfolios except JNL/T. Rowe Price Capital Appreciation. Managed Portfolio The manager s investment techniques could fail to achieve the fund s investment objective or negatively affect the fund s investment performance. This risk applies to JNL/AB Dynamic Asset Allocation, JNL/BlackRock Global Allocation and JNL/T. Rowe Price Capital Appreciation. Options Writing call options can reduce the risk of owning equity securities, but it limits the opportunity to profit from an increase in the market value of stocks. Unusual market conditions may reduce the effectiveness of the fund s options strategies and may not reduce the fund s volatility to the extent desired. This risk applies to JNL/T. Rowe Price Capital Appreciation. Continued > 16

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19 This material is authorized for use only when preceded or accompanied by the current contract prospectus and underlying fund prospectuses, which are contained in the same document. Before investing, investors should carefully consider the investment objectives, risks, charges, and expenses of the variable annuity and its underlying investment options. This and other important information is contained in the current contract prospectus and underlying fund prospectuses. Please read the prospectuses carefully before investing or sending money. This material was prepared to support the promotion and marketing of Jackson variable annuities. Jackson, its distributors and their respective representatives do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisor as to any tax, accounting or legal statements made herein. The standard death benefit is equal to contract value on the date of the claim and does not include any additional guarantees. The latest income date allowed is age 95, which is the required age to annuitize or take a lump sum. Please see the prospectus for important information regarding the annuitization of a contract. Select up to a maximum of 99 investments and adjust options or allocations up to 15 times each contract year without transfer fees. The interest rates credited to the fixed accounts are backed by the claims-paying ability of Jackson National Life Insurance Company and Jackson National Life Insurance Company of New York. They are not backed by the broker/dealer from which this annuity contract is purchased, by the insurance agency from which this annuity contract is purchased or any affiliates of those entities, and none makes any representations or guarantees regarding the claims-paying ability of Jackson National Life Insurance Company and Jackson National Life Insurance Company of New York. The investment companies (subaccounts) offered in Elite Access are registered as investment companies under the Investment Company Act of 1940, as amended ( 1940 Act ), and their shares are registered under the Securities Act of 1933, as amended. There are many differences among 1940 Act registered subaccounts and unregistered hedge funds, including but not limited to liquidity, restrictions on leverage and diversification, fund reporting and transparency, fees, and availability. Certain portfolios discussed in this brochure are non-diversified as defined in the Investment Company Act of 1940, as amended, which means that the portfolios may hold a smaller number of issuers than if they were diversified. As such, the portfolios are subject to more risk than another portfolio holding a larger number of issuers, since changes in the financial condition or market status of a single issuer may cause greater fluctuation in the total return and share price of the portfolio. Please see the prospectus for details. Nasdaq is a registered trademark of The Nasdaq Stock Market, Inc. and has been licensed for use by Jackson National Life Insurance Company. JNL/Mellon Capital Nasdaq 100 is not issued, endorsed, sponsored, managed, sold or promoted by Nasdaq or its affiliates (collectively, the corporations ) and the corporations make no warranties and bear no liability with respect to the portfolio. The companies involved in the Communications and Technology sectors are subject to fierce competition, and their products and services may be subject to rapid obsolescence. The companies involved in the Oil & Gas sector are subject to certain risks, including price and supply fluctuations caused by international politics, energy conservation, taxes and other regulatory policies of various governments. The companies involved in the Financial sector are subject to certain risks, including the adverse effects of volatile interest rates, increased competition from new entrants in the field, and potential increased regulation. The S&P 500 Index, S&P MidCap 400 Index, Dow Jones Industrial Average, Dow Jones Brookfield Global Infrastructure Index, STANDARD & POOR S, S&P, S&P 500, STANDARD & POOR S MIDCAP 400 Index, and STANDARD & POOR S 500 (collectively, the Indices ) are products of S&P Dow Jones Indices LLC or its affiliates (S&P DJI), and has been licensed for use by Jackson National Life Insurance Company. Dow Jones, Dow Jones Industrial Average, DJIA, and The Dow are trademarks of Dow Jones Trademark Holdings, LLC ( Dow Jones ) and have been licensed to S&P DJI and have been sub-licensed for use for certain purposes by Jackson National Life Insurance Company. The Dow Jones Brookfield Global Infrastructure Index is calculated by S&P DJI pursuant to an agreement with Brookfield Redding, Inc. (together with its affiliates, Brookfield ) and has been licensed for use. Brookfield is a registered trademark of Brookfield Asset Management, Inc. JNL/Mellon Capital S&P SMid 60, JNL/Mellon Capital S&P 500 Index, JNL/Mellon Capital S&P 400 MidCap Index, and the JNL/Brookfield Global Infrastructure and MLP (collectively, the products ) are not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, Standard & Poor s Financial Services LLC, Brookfield or any of their respective affiliates (collectively, S&P Dow Jones Indices). Programs and products of the firms to which Standard & Poor s Investment Advisory Services (SPIAS) provides services are not endorsed, sold or promoted by SPIAS and its affiliates, and SPIAS and its affiliates make no representation regarding the advisability of investing in those programs and products. With respect to the asset allocations and investments recommended by SPIAS, investors should realize that such investment recommendations are provided to Jackson National Asset Management, LLC only as a general recommendation. The underlying funds of JNL/S&P 4 are co-sub-advised by SPIAS. SPIAS does not co-sub-advise JNL/S&P 4. There is no agreement or understanding whatsoever that SPIAS will provide individualized advice to any investor. SPIAS does not take into account any information about any investor or any investor s assets when providing investment advisory services to firms to which SPIAS provides services. SPIAS does not have any discretionary authority or control with respect to purchasing or selling securities or making other investments. Individual investors should ultimately rely on their own judgment and/or the judgment of a representative in making their investment decisions. Elite Access Fixed and Variable Annuity (VA650, VA660) is issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York (VA650NY, VA660NY) by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states, and state variations may apply. This product has limitations and restrictions, including withdrawal charges and excess interest adjustments (interest rate adjustments in New York) where applicable. Jackson issues other variable annuities with similar features, benefits, limitations and charges. Discuss them with your representative or contact Jackson for more information. Fund availability may vary by firm. 18

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