Jackson National Life Insurance Company is one of the largest annuity carriers in the United States by sales volume, with an A (Excellent) rating from AM Best and over $350 billion in total assets. Jackson is best known as the dominant force in the variable annuity market, but also offers competitive fixed index annuities and income-focused products for clients approaching and entering retirement.
This review covers Jackson’s financial strength, annuity product lineup, and contact information.
Jackson National Life at a Glance
| Detail | Information |
|---|---|
| Full Legal Name | Jackson National Life Insurance Company |
| Parent Company | Jackson Financial Inc. (NYSE: JXN) |
| Headquarters | Lansing, Michigan |
| Founded | 1961 |
| Company Structure | Publicly traded (NYSE: JXN) |
| AM Best Rating | A (Excellent) |
| S&P Rating | A+ (Strong) |
| Moody’s Rating | A3 |
| Total Assets | $350+ billion |
| Products Offered | Variable Annuities, Fixed Index Annuities, SPIAs |
| States Available | All 50 states + D.C. |
| Minimum Premium | $10,000 (varies by product) |
Jackson National’s Financial Strength
Jackson holds an A (Excellent) from AM Best, a strong rating, though one tier below A+. Its S&P rating of A+ is notably higher than its AM Best designation, reflecting differences in how the two agencies weight Jackson’s capital structure and business model.
Jackson Financial became an independent publicly traded company in 2021 after separating from Prudential plc (UK). The company’s $350+ billion in assets and its long track record as a top-five annuity seller in the United States reflect significant institutional scale. Jackson consistently ranks #1 or #2 in variable annuity sales nationally, with a particularly strong presence in the broker-dealer and independent advisor channels.
What Types of Annuities Does Jackson Offer?
- Fixed Index Annuities (FIAs), Jackson’s Market Link Pro and Elite Access Advisory products offer index-linked growth with optional living benefit riders, positioned as lower-risk alternatives to variable annuities.
- Single Premium Immediate Annuities (SPIAs), Jackson offers immediate income annuities for clients who want guaranteed income that begins within one year.
Jackson National’s primary strength is in variable annuities, specifically the Perspective Advisory II series, which allows clients to participate in market returns with optional guaranteed lifetime withdrawal benefits. For clients who want fixed, principal-protected products, Jackson’s FIA offerings are the most relevant alternatives.
Jackson National MYGA Products and Current Rates
Live rates from AnnuityRateWatch · Rates updated April 16, 2026
| Product | Term | Rate (APY) | Min Premium | Last Rate Change | |
|---|---|---|---|---|---|
|
RateProtector 3
AM Best A |
3 Years | 4.45% | $100,000+ | Apr 6, 2026 | View Details → |
|
RateProtector 3
AM Best A |
3 Years | 4.15% | $10,000+ | Apr 6, 2026 | View Details → |
|
RateProtector 5
AM Best A |
5 Years | 4.85% | $100,000+ | Apr 6, 2026 | View Details → |
|
RateProtector 5
AM Best A |
5 Years | 4.55% | $10,000+ | Apr 6, 2026 | View Details → |
|
RateProtector 7
AM Best A |
7 Years | 5.05% | $100,000+ | Apr 6, 2026 | View Details → |
|
RateProtector 7
AM Best A |
7 Years | 4.75% | $10,000+ | Apr 6, 2026 | View Details → |
Rates apply to standard products. State availability varies. Not an offer or solicitation. Always verify current rates before purchasing.
Jackson National Fixed Index Annuity Products
Jackson Market Link Pro
A fixed index annuity with index crediting strategies tied to the S&P 500, with an optional LifeGuard Freedom Flex income rider. Designed for clients who want the growth potential of index crediting with a guaranteed income floor in retirement. The LifeGuard rider offers a guaranteed minimum withdrawal benefit regardless of market performance.
Elite Access Advisory
An FIA designed for fee-based advisory accounts, featuring a broad array of index crediting options and optional income riders. Available through RIA and fee-based advisor channels. Elite Access is one of the few advisory-channel FIA products in the market, making it a unique option for clients working with fee-only advisors.
Who Is Jackson Best For?
- Variable annuity buyers who want market participation with a guaranteed income rider from one of the largest, most established VA carriers in the country.
- FIA buyers in advisor-managed accounts, Elite Access Advisory fills a genuine gap in the advisor-channel FIA market.
- Income-focused clients who want the LifeGuard guaranteed withdrawal benefit as a retirement income backstop, particularly when working with broker-dealer or independent advisor channels.
- Clients who have already screened A (Excellent) carriers and want broad sales infrastructure and product accessibility.
Frequently Asked Questions About Jackson National Life
Is Jackson National Life a safe company for annuities?
Jackson National Life holds an A-range AM Best rating (A (Excellent)), which indicates a strong ability to meet ongoing policyholder obligations. In addition, annuity contracts are backed by your state guaranty association, which provides a secondary layer of protection typically covering $250,000 per contract. Always verify both the current rating and your state’s coverage limits.
What types of annuities does Jackson National Life offer?
Jackson National Life offers MYGAs, fixed index annuities, variable annuities, immediate annuities through independent agents and financial professionals. Product availability, rates, and features vary by state. Use our rate comparison tool to see what’s currently available from Jackson National Life and competing carriers.
How do I buy an annuity from Jackson National Life?
Jackson National Life annuities are sold through licensed insurance agents and financial advisors. My Annuity Store is an independent platform that can quote Jackson National Life alongside 20+ other carriers so you can compare rates, terms, and financial strength ratings in one place. Request a free quote or call 855-583-1104 to get started.
Contact Jackson National Life
| Contact Method | Details |
|---|---|
| Website | www.jackson.com |
| Customer Service | 1-800-644-0565 |
| Mailing Address | Jackson National Life Insurance Company 1 Corporate Way Lansing, MI 48951 |
| Hours | Monday–Friday, 8 a.m.–6 p.m. ET |
Compare Jackson Against Other Carriers: My Annuity Store compares Jackson National alongside Athene, MassMutual, Pacific Life, and 20+ other carriers. Get a free no-obligation quote or call 855-583-1104.
Further Reading: Fixed Index Annuities
Resources for evaluating Jackson alongside other FIA carriers:
- Fixed Index Annuity Pros and Cons, A clear-eyed look at FIA advantages and risks across all carriers, Jackson included.
- The Drawbacks of Fixed Index Annuities, The fine print that matters when comparing Jackson FIA products.
- Athene Performance Elite 7 Review, How a competing 7-year FIA from Athene compares to Jackson’s product lineup.
