Perspective SM family of variable annuities. Perspective family of variable annuities. VARIABLE annuities

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1 VARIABLE annuities Perspective family of variable annuities Perspective SM family of variable annuities Jackson is the marketing name for Jackson National Life Insurance Company and Jackson National Life Insurance Company of New York.

2 write your retirement story

3 retirement reinvented As the retirement landscape continues to change, the definition of retirement has taken on new meaning and become a whole new stage of life. More than 30 years ago, retirement didn t last long for most people. While the average life expectancy for Americans born in was 59.2 years,* many people were more concerned about reaching retirement than the number of years they would live in retirement. And most retirees lived on much less income a combination of Social Security, pension checks and personal savings than they did during their working years. Today, retirement is a turning point, not an end. Many people are living longer, healthier and more active lives. And they have more choices. Better choices. From investments to second careers, retirement isn t about slowing down. It s about exploring the possibilities. You also have some challenges to face. Living longer also means you may have a greater number of expenses. And, unlike your parents generation, you anticipate that Social Security, your pension and your personal savings may not provide enough income to support your lifestyle as you age. Though living 25 or more years in retirement may sound wonderful, the possibility begs some very important questions and careful planning to LIVE. The reality of retirement So you have a few challenges to tackle. Jackson has options. First, if your goal is to live comfortably in retirement, it s important to work with a qualified representative to develop and execute a financial strategy. Second, you and your representative should discuss investments, such as annuities, that can provide guaranteed income and help ensure you won t outlive your money in retirement. Jackson developed the acronym LIVE to describe some of the most important challenges you face as you prepare for retirement. But LIVE is more than that. LIVE is the power to understand and overcome the obstacles in your path and LIVE well. L I V E Longevity You or your spouse may live to be 90 or 95 years old. Do you have enough money to live more than 25 years in retirement? Inflation The goods and services you buy today may cost more tomorrow. Are you prepared for a drop in your purchasing power? Volatility A volatile financial market can wipe out your retirement investments. Do you have the proper protection to weather a bad storm? Expectations If you want the same lifestyle in retirement, you probably need to save more today. Are your expectations out of line with your bottom line? * 90+ in the United States: U.S. Census Bureau, November Not FDIC/NCUA insured May lose value Not bank/cu guaranteed Not a deposit Not insured by any federal agency

4 choose your retirement path understanding annuities Annuities offer a wide range of options and benefits and can be customized to meet your specific financial needs. But before you purchase a variable annuity, you should understand how it works and what benefits it can provide. What is a variable annuity? A variable annuity is an investment product designed to help you prepare for retirement. More specifically, a variable annuity is a long-term investment that allows you to invest in a broad range of options on a tax-deferred basis. Earnings are taxable as ordinary income when withdrawn. If you choose to withdraw earnings before age 59½, they may be subject to a 10% additional tax. Benefits of an annuity. A variable annuity is an important tool that can help you address the many difficulties you may face in retirement. They also offer many benefits that other investment products do not. They include: Investment choices variable annuities offer a wide range of investment options, from fixed-income portfolios to large-, mid- and small-cap equities, to international and even specialty/sector portfolios. Because you choose how to allocate funds, you can build an annuity that helps you meet your unique financial goals. Guarantees variable annuities provide you with several important guarantees. For example, you can elect to receive a guaranteed stream of income for the rest of your life to protect against the possibility of outliving your retirement assets. Or you can choose an optional living benefit to provide additional guarantees. Optional benefits are available for an extra charge, which is added to the ongoing fees and expenses of the variable annuity. Tax deferral variable annuities are tax-deferred investments, which means you will not pay taxes on any gains until you withdraw your money. Tax deferral allows you to keep more of your money at work, which can help make a difference in the amount you accumulate for retirement. Also, tax-deferred investments may help you reach your goals more quickly by protecting your money from tax erosion, which is especially important during the years your income is its highest. Keep in mind that tax deferral offers no additional value if used to fund a qualified plan. Guaranteed death benefit variable annuities may also provide a guaranteed death benefit, which enables you to build a lasting legacy and provide for loved ones after you re gone. Guarantees are backed by the claims-paying ability of the issuing insurance company. Tax deferral offers no additional value if used to fund a qualified plan, such as a 401(k) or IRA, and may not be available if the annuity is owned by a non-natural person such as a corporation or certain types of trusts.

5 an annuity is only as good as the company that issues it When you choose a Jackson variable annuity, we give you and your representative an easy way to custom-build a retirement strategy that s right for you. Customize your investment strategy. Jackson offers more than 90 investment options to choose from to help you and your representative tailor an investment strategy. From fixed-income portfolios to domestic equities, to international and even specialty, sector and alternative portfolios, many are available only at Jackson. Invest your money how you want. You and your representative know best how you want to invest your money. Jackson doesn t restrict your asset allocation, so you can invest your money how and where you want. Decide what matters most. We give you the ability to choose the guarantees that matter to you, whether that s growing your retirement income, guaranteeing income for life, guaranteeing a death benefit for your loved ones, or even getting greater access to your investment earnings. Jackson offers many optional living benefits, available for an extra charge in addition to the ongoing fees and expenses of the variable annuity. Founded in 1961, Jackson has evolved from a single-channel insurance company to a $206.8 billion (IFRS)* firm, offering a variety of products through multiple distribution channels in the United States. Jackson is an indirect, wholly owned subsidiary of Prudential plc, headquartered in the United Kingdom, and is not in any way affiliated with Prudential Financial Inc., a company whose primary place of business is in the United States of America. With more than $781.1 billion in assets under management (as of 6/30/14), Prudential plc has been in business for more than 165 years and provides insurance and financial services directly and through subsidiaries and affiliates across the globe. Jackson s financial strength ratings: A+ (Superior) A.M. Best. Financial strength rating, the second highest of 16 rating categories. AA (Very Strong) Fitch. Insurer financial strength rating, the third highest of 19 rating categories. AA (Very Strong) Standard & Poor s. Insurer financial strength rating, the third highest of 21 rating categories. A1 (Good) Moody s Investors Service, Inc. Insurance financial strength rating, the fifth highest of 21 rating categories. Ratings current as of 12/31/14. Financial strength ratings do not apply to the principal amount or investment performance of the separate account or underlying investments of variable products. * Jackson also has $192.6 billion in IFRS policy liabilities set aside to pay primarily future policyowner benefits (as of 6/30/14). International Financial Reporting Standards (IFRS) is a principles-based set of international accounting standards indicating how transactions and other events should be reported in financial statements. IFRS is issued by the International Accounting Standards Board in an effort to increase global comparability of financial statements and results. IFRS is used by Jackson s parent company. While ratings can be objective indicators of an insurance company s financial strength and can provide a relative measure to help select among insurance companies, they are not guarantees of the future financial strength and/or claims-paying ability of a company and do not apply to the underlying variable investment options. The broker/ dealer from which an annuity is purchased, the insurance agency from which an annuity is purchased and any affiliates of those entities make no representations regarding the quality of the analysis conducted by the rating agencies. The rating agencies are not affiliated with the broker/dealer from which an annuity is purchased, the insurance agency from which an annuity is purchased or any affiliates of those entities nor were they involved in any rating agency s analysis of the insurance companies. Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York and do not apply to the principal amount or the investment performance of the separate account or its underlying investments.

6 Standard Benefits The Perspective SM family of variable annuities contracts have many features included at no additional cost to you. Some of the features available on our contracts are: Systematic Withdrawals Withdraw a specific amount or percentage, or take earnings, on a monthly, quarterly, semiannual, or annual basis. Tax-Free Transfers Transfer between investment options up to 15 times each contract year without a transfer fee. Terminal Illness Benefit Withdraw as much as $250,000 free of charge from your contract if you suffer from a terminal illness that will result in death within 12 months (24 months in Massachusetts). Not available in New York. Nursing Home Waiver Withdraw as much as $250,000, one time free of charge, from your contract as a result of a 90-day nursing home stay. Not available in California and Massachusetts. Jackson Accelerated Benefit You re entitled to a one-time withdrawal of up to 25% of your contract value without a withdrawal charge if diagnosed with a particular disease. Diseases vary by state. Not available in Connecticut or New York. Automatic Investment Plan * Keep investing in your future with monthly or quarterly automatic transfers of as little as $50. Dollar Cost Averaging * Automatically transfer assets from one variable option or the 1-Year Fixed Account option, with a minimum contract value of $15,000, on a monthly, quarterly, semiannual, or annual basis. Earnings Sweep * With a minimum contract value of $15,000, you can automatically transfer monthly earnings from the 1-Year Fixed Account option or the JNL /WMC Money Market into your choice of variable investment options. Automatic Rebalancing ** Choose monthly, quarterly, semiannual, or annual rebalancing of your portfolio to ensure you re invested where you want to be. Pre-selected Death Benefit Option Select the frequency and distribution of death benefit payments to your beneficiaries. Standard Death Benefit Leave your beneficiaries the greater of the contract value or the total of all premium payments (less withdrawals and applicable charges). All withdrawals reduce the standard death benefit in the same proportion that the contract value is reduced. Special Spousal Continuation Offers your spousal beneficiary the option to continue your contract and build assets for the future. To prevent abusive trading practices, Jackson restricts the frequency of transfers among variable investment options. Up to 15 tax-free trades may be made per year with no fee. * Systematic investment programs do not assure a profit or protect against loss in a declining market. They involve continuous investing regardless of fluctuating price levels. You should consider your ability to continue investing through periods of fluctuating market conditions. May not be available in all states. ** If fixed account restrictions are imposed, the owner may elect automatic rebalancing, but the 1-Year Fixed Account may not be included in the allocation. 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.

7 Perspective family of variable annuities

8 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. The Perspective Family of Variable Annuities (VA620, VA610) is issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York (VA620NY 09/12, VA610NY 08/11) 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. These products have limitations and restrictions, including withdrawal charges and excess interest adjustments (interest rate adjustments in New York) where applicable. Jackson issues other annuities with similar features, benefits, limitations and charges. Discuss them with your representative or contact Jackson for more information. Jackson is the marketing name for Jackson National Life Insurance Company and Jackson National Life Insurance Company of New York. CMV /15