PerspectiveSM. Family of Variable Annuities. Perspective family of variable annuities

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1 Perspective family of variable annuities PerspectiveSM Family of Variable Annuities Jackson is the marketing name for Jackson National Life Insurance Company and Jackson National Life Insurance Company of New York. Not FDIC/NCUA insured May lose value Not bank/cu guaranteed Not a deposit Not insured by any federal agency

2 Growth To outpace rising costs and manage market volatility, it s essential to implement a long-term investment that can grow over time. Income With more time spent in retirement, it s increasingly important to establish a steady stream of income that you won t outlive. Legacy If it s a priority to leave an inheritance for future generations, consider an investment strategy that can preserve and grow your legacy. TAXES Because taxes can impact every phase of your retirement journey, a tax-efficient investment can be a strategic choice.

3 THE PURSUIT OF RETIREMENT FREEDOM At Jackson, we give you the freedom to create your own distinctive investment strategy. Offering quality investments, Jackson-exclusive features, optional benefits, and tax deferral*, the Perspective SM Family of Variable Annuities is designed to address investment challenges and help you pursue financial independence. TAX ADVANTAGES Investment Options THE POWER OF PERSPECTIVE TAX ADVANTAGES Death Benefits Living Benefits TAX ADVANTAGES Gain a new perspective with a variable annuity that gives you the power to invest your way. Variable annuities are long-term, tax-deferred investments designed for retirement, involve investment risks, and may lose value. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½. * 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. The latest income date allowed is age 95, which is the required age to annuitize or to take a lump sum. Please see the prospectus for important information regarding the annuitization of a contract.

4 Investment Options A foundation you can grow on To create financial independence, you ll need a strong investment strategy one that allows you and your advisor to choose your portfolio allocation, manage market volatility, and grow your money. Your investment options are only as good as the freedom to use them. That s why we don t methodically insert you into restrictive allocation models that take away your power to make decisions. Rather, at Jackson, you can build a diversified portfolio that s customized for your individual priorities and preferences. Backed by a comprehensive due diligence process, our investment platform includes more than 90 options and offers: Does your retirement plan stack up? For many Americans, pension plans once served as a safeguard for much of their retirement income. But in just 20 years, the number of pension plans offered has decreased 51%, 1 creating a need for investors to generate more of their own retirement income. Access to best-in-class money managers and exclusive Jackson investments The ability to change your strategy for your evolving needs* Optimized growth potential through tax deferral Jackson continuously monitors, adjusts and enhances our investment options so you and your advisor have a variety of quality choices to help you pursue your long-term goals. And, while you re free to create your own strategy, Jackson also offers the option to select professionally managed portfolios that seek to grow your investments and manage risk. THEN Personal Savings Social Security Pensions NOW Personal Savings Social Security Pensions 1 U.S. Department of Labor Employee Benefits Security Administration, Private Pension Bulletin, December Jackson gives you the freedom to build a diversified portfolio in a way that helps support your investment style and goals. * Select up to a maximum of 99 investments and adjust options or allocations up to 15 times each contract year without transfer fees. To prevent abusive trading practices, Jackson restricts the frequency of transfers among variable investment options. 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 Living Benefits Income you can count on With increasing life expectancy, your retirement could be 20 to 30 years or more. While that s great news, you ll need to create an income that lasts as long as you do. Adding a living benefit to your variable annuity contract for an additional fee can provide you with a steady stream of lifetime income. And your money will have the opportunity to continue growing even while you are taking withdrawals. Jackson s LifeGuard Freedom suite of living benefits offers: Guaranteed income that lasts as long as you do The freedom to ensure lifetime income without compromising your investment strategy The ability to control when and how you withdraw your money, which may help you manage your tax burden Are you financially prepared for a longer life? A person retiring at age 60 could run out of money too soon because savings and investments (excluding pensions) may not last throughout their lifetime. 2 AVERAGE YEARS IN RETIREMENT Men 19.3 years While many variable annuity companies offer pre-packaged living benefits, we understand that no investors objectives are the same and only you and your advisor know which features best complement your objectives. That s why Jackson offers a-la-carte options so you only pay for the features you need and not for those you don t. Women 21.6 years Content on this chart is based on Jackson calculations of information from: Social Security Administration, Life Expectancy Calculator, as of June 3, HSBC, Global Report: The Future of Retirement A Balancing Act, Jackson s suite of living benefits can provide lifetime income to help sustain your retirement lifestyle. Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York. On the contract anniversary on or immediately following the owner s (or older joint owner s) attained age 59½, the for-life guarantee becomes effective provided: 1) the contract value is greater than zero and 2) the contract has not been annuitized. If the owner (or older joint owner) is age 59½ on the effective date of the endorsement, then the for-life guarantee becomes effective on that date.

6 Death Benefits A LEGACY YOU CAN PASS ON Leaving more than a memory is a common goal for investors but growing a legacy can be an added challenge when you re also focused on creating a comfortable retirement. Just as an optional living benefit can help you grow and ensure income throughout your lifetime death benefits allow you to leave a financial legacy beyond your lifetime. A Perspective variable annuity includes a standard death benefit and the option to choose one of our enhanced benefits that offers the potential to increase the amount of money you provide when the time comes. When your goals shift from growing income to providing for future generations, Jackson s death benefits* offer: A guaranteed financial legacy An opportunity to lock in growth Options for tax-efficient transfer of your assets and the ability to avoid the time-consuming probate process Does your plan extend past your lifetime? Sixty percent of retirees are providing regular financial support for at least one other person. Twenty-one percent of those are grown children. 3 Therefore, providing for additional family through and beyond your lifetime could be a financial reality. 4 EXPECTATIONS REALITY 74% 32% Whether you decide on the standard benefit provided at no additional cost or choose a more comprehensive option for an additional fee a Jackson death benefit can give you the assurance that your legacy becomes a reality. 74% of working-age people aspire to leave an inheritance 32% of children report receiving an inheritance Chart Source: HSBC, Global Report: The Future of Retirement Choices for Later in Life, Over the age of HSBC, Global Report: The Future of Retirement Choices for Later in Life, Pass on your legacy with a death benefit backed by Jackson. * Death benefits are terminated if the contract value falls to zero. Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York.

7 Tax Benefits AN ADVANTAGE YOU CAN PLAN ON Taxes can chip away at your financial goals. A variable annuity can provide strategic tax efficiencies for each stage of your journey. In a taxable investment vehicle, you could potentially pay taxes on your earnings each year. In a tax-deferred variable annuity, earnings are free of taxes until withdrawn. This feature can offer several advantages that can positively impact your financial plan. GROWTH: Optimized investment potential By postponing taxes with a variable annuity, your money has the opportunity to grow faster and compound over time. In addition, as your needs evolve, Jackson gives you the freedom to make changes to your portfolio without creating taxable events. INCOME: The possibility of paying a lower tax rate at a later date Because you only pay taxes on your variable annuity income at the time of withdrawal there s the potential that you could be in a lower tax bracket when you re retired and ready to begin taking more income. LEGACY: Options for tax-efficient asset transfer Estate taxes can diminish your death benefit proceeds, leaving your beneficiaries with less than you originally planned, but variable annuities offer features for tax-efficient wealth transference. Is the IRS getting your money and your time? It s estimated that the average American had to work until April 24, 2015 to pay their portion of $4.8 trillion in federal, state and local taxes DAYS TO PAY TAXES APRIL SUN MON TUE WED THU FRI SAT 24 5 Kyle Pomerleau, Tax Foundation, Tax Freedom Day 2015, March Keep more of your money working for you with a Perspective variable annuity. 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.

8 A standard you can build on Along with optional guarantees that are available for an additional charge, Jackson variable annuities include these standard benefits. Systematic Withdrawal Options Choose 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. To prevent abusive trading practices, Jackson restricts the frequency of transfers among variable investment options. Automatic Investment Plan* Keep investing in your future with monthly or quarterly automatic transfers of as little as $50. Nursing Home Waiver Authorize a one-time free of charge withdrawal from your contract, up to $250,000 as a result of a 90-day nursing home stay. Not available in Massachusetts and California Jackson Accelerated Benefit Make a one-time withdrawal of up to 25% of your contract value without a withdrawal charge if diagnosed with a particular disease. Qualified diseases vary by state; not available in Connecticut or New York Terminal Illness Benefit Withdraw as much as $250,000 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 Dollar Cost Averaging* Automatically transfer assets from one variable option or the 1-Year Fixed Account: monthly, quarterly, semiannually, or annually. Minimum contract value of $15,000 Earnings Sweep * Automatically transfer monthly earnings from the 1-Year Fixed Account or the JNL /WMC Money Market into your choice of variable investment options. Minimum contract value of $15,000 Automatic Rebalancing* Ensure you re invested where you want to be choose how often to rebalance your portfolio: monthly, quarterly, semiannually, or annually. Pre-selected Death Benefit Options Select how and when to distribute your legacy to beneficiaries. Available on nonqualified and IRA contracts only. 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 Give your spousal beneficiary the option to continue your contract and build assets for the future. * 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. Guarantees are backed by the claims-paying ability of Jackson National Life Insurance Company or Jackson National Life Insurance Company of New York.

9 A COMPANY YOU CAN RELY ON Where you invest your money matters. And while it s important to choose investment products that support your individual, long-term strategy, it s also important to choose a company that can stand behind those products. That s why you should know that our history is one of uninterrupted service, stability, and financial growth. Jackson is America s leading variable annuity provider and one of the largest life insurance companies in the United States, with $218.9 billion in assets. Founded in 1961, we ve helped investors pursue their financial goals for more than 50 years. 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. Jackson s financial strength ratings have remained unchanged for more than 12 years. (IFRS unaudited) as of 6/30/15. LIMRA International U.S. Individual Annuities Sales Survey Fourth Quarter 2014 YTD. Jackson ranked first in variable annuity sales out of 42 participating companies that provided LIMRA with quarterly data during Ratings current as of 9/30/15. 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 $205.5 billion in IFRS policy liabilities set aside to pay primarily future policyowner benefits (as of 6/30/15). 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.

10 TAKING THE NEXT STEPS Now that you have a new perspective on the challenges and opportunities that present themselves in the pursuit of retirement freedom, use the booklets in this kit and work with your advisor to create your customized Jackson variable annuity. Investing For Retirement Freedom Investment Options Guide To start, explore our wide selection of investment options and asset categories. Individually select the investments and allocations that will help you meet your specific goals and/or Tap into the guidance of respected money managers with pre-constructed asset allocation portfolios Guar anteeing Lifetime Income LifeGuard Freedom Suite of Living Benefits Guide Next, review our suite of living benefits with a-la-carte options. Choose the living benefit that complements your long-term retirement goals Select the income stream level that you desire Providing a Lasting Legacy Guaranteed Death Benefits Guide Lastly, consider the assets that you d like to pass on. Utilize your standard death benefit or Choose one of our enhanced options The Perspective Family of Variable Annuities Kit also includes a prospectus to review with your advisor before purchasing your annuity as well as the necessary forms and applications. Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity. The long-term advantage of the optional benefits will vary with the terms of the benefit option, the investment performance of the variable investment options selected, and the length of time the annuity is owned. As a result, in some circumstances the cost of an option may exceed the actual benefit paid under the option.

11 Perspective family of variable annuities

12 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 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