# EDGAR Filing Document

**Accession Number:** 0001113683
**File Stem:** 0001113683-26-000021
**Filing Date:** 2026-4
**Character Count:** 35615
**Document Hash:** 58e95933de0b484a34e3e9453ac10d00
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001113683-26-000021.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001113683-26-000021

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** JACKSON NATIONAL SEPARATE ACCOUNT IV
- **CENTRAL INDEX KEY:** 0001113683

**ORGANIZATION NAME:**
- **EIN:** 381659835
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-108433
- **FILM NUMBER:** 26897860

**BUSINESS ADDRESS:**
- **STREET 1:** 1 CORPORATE WAY
- **CITY:** LANSING
- **STATE:** MI
- **ZIP:** 48951
- **BUSINESS PHONE:** (517) 381-5500

**MAIL ADDRESS:**
- **STREET 1:** 1 CORPORATE WAY
- **CITY:** LANSING
- **STATE:** MI
- **ZIP:** 48951

## Series and Classes Contracts Data

### JACKSON NATIONAL SEPARATE ACCOUNT IV (Series ID: S000010921)

| Class ID   | Class Name               | Ticker Symbol   |
|:---|:---|:---|
| C000030245 | Perspective Investor VUL |  |

**Notice Dated April 27, 2026**

**PERSPECTIVE INVESTOR**<sup>®</sup> 

**INDIVIDUAL FLEXIBLE PREMIUM ADJUSTABLE VARIABLE LIFE INSURANCE POLICY**

**Issued by**

**Jackson National Life Insurance Company**<sup>®</sup> **through**

**Jackson National Separate Account IV**

This Notice Document ("Notice") provides certain updated information about your Perspective Investor Individual Flexible Premium Adjustable Variable Life Insurance Policy contract ("Contract"), which is no longer available for purchase**.**

Jackson National Life Insurance Company ("Jackson") is providing this Notice in lieu of an updated prospectus for the Contract in reliance on the Securities and Exchange Commission's position on modernized alternative disclosures for discontinued variable life offerings. Updated audited financial statements for Jackson and for Jackson National Separate Account IV ("Separate Account") are available, free of charge, at <u>www.jackson.com/product-literature-9.html</u>. In addition, current summary prospectuses, statutory prospectuses, statements of additional information, and the most recent shareholder reports for the funds available under the Contract ("Funds") are available, free of charge, at the same website address as above. To request a free paper or e-mail copy of any of these materials, please call 1-800-644-4565 or send an email request to customercare@jackson.com.

Your Contract prospectus dated April 29, 2013 contains more information about the Contract's features, benefits, and risks.

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission's staff and is available at <u>www.Investor.gov</u>.

---

| | |
|:---|:---|
| **TABLE OF CONTENTS** | **TABLE OF CONTENTS** |
| [DEFINITIONS](#i3d02284f68b6401ca09a27c40c54e62a_7) | [1](#i3d02284f68b6401ca09a27c40c54e62a_7) |
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#i3d02284f68b6401ca09a27c40c54e62a_10) | [2](#i3d02284f68b6401ca09a27c40c54e62a_10) |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#i3d02284f68b6401ca09a27c40c54e62a_13) | [3](#i3d02284f68b6401ca09a27c40c54e62a_13) |
| [APPENDIX A (](#i3d02284f68b6401ca09a27c40c54e62a_16)[INVESTMENT OPTIONS](#i3d02284f68b6401ca09a27c40c54e62a_16)[AVAILABLE UNDER THE CONTRACT)](#i3d02284f68b6401ca09a27c40c54e62a_16) | A-[1](#i3d02284f68b6401ca09a27c40c54e62a_16) |
| [BACK COVER PAGE](#i3d02284f68b6401ca09a27c40c54e62a_19) | B-[1](#i3d02284f68b6401ca09a27c40c54e62a_19) |

---

------

**DEFINITIONS**

**<u>Fixed Account</u> –** an allocation option under the policy that earns an annually declared rate of interest of not less than 3%. Assets allocated to the Fixed Account are part of our general account.

**<u>Fund</u> –** a registered investment company in which an Investment Division of the Separate Account invests.

**<u>Investment Division</u> –** separate and distinct divisions of the Separate Account, each of which invests in a single Underlying Mutual

Fund. The value in the Investment Divisions will go up or down depending on the performance of the underlying mutual funds and

the charges deducted from the Investment Divisions.

**<u>Separate Account</u> –** Jackson National Life Separate Account IV, the segregated asset account of Jackson that funds the policies.

------

**UPDATED INFORMATION ABOUT YOUR CONTRACT**

The information in this Notice Document is a summary of certain Contract features that have changed since the Notice Document dated April 28, 2025. This may not reflect all of the changes that have occurred since you entered into your Contract.

**<u>General Product Changes</u>**

Effective March 2, 2026, the current charges for expedited delivery applicable to your Contract have increased. The new fees for these services are as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.Between Monday and Friday, the current Expedited Delivery Charge is $23.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.On Saturday, the current Expedited Delivery Charge is $38.

------

**IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT**

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **LOCATION IN PROSPECTUS** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **Yes.** If you withdraw premium from your Contract within 9 years following the premium payment, you may be assessed a surrender charge. The maximum surrender charge is 1.588% of the amount of premium withdrawn. For example, if you make a full surrender during the first year after issue of your policy, you could pay a surrender charge of up to $1,588 on a $100,000 investment. The surrender charge then gradually declines each year, until the 9th year, after which no surrender charge is assessed. | **Yes.** If you withdraw premium from your Contract within 9 years following the premium payment, you may be assessed a surrender charge. The maximum surrender charge is 1.588% of the amount of premium withdrawn. For example, if you make a full surrender during the first year after issue of your policy, you could pay a surrender charge of up to $1,588 on a $100,000 investment. The surrender charge then gradually declines each year, until the 9th year, after which no surrender charge is assessed. | **Yes.** If you withdraw premium from your Contract within 9 years following the premium payment, you may be assessed a surrender charge. The maximum surrender charge is 1.588% of the amount of premium withdrawn. For example, if you make a full surrender during the first year after issue of your policy, you could pay a surrender charge of up to $1,588 on a $100,000 investment. The surrender charge then gradually declines each year, until the 9th year, after which no surrender charge is assessed. | **<u>Charges and Deductions - Surrender Charge</u>** |
| **Are There Transaction Charges?** | **Yes.** In addition to surrender charges, you also may be charged for other transactions, such as when premium is allocated, when you transfer cash value between investment options more than 15 times in a Policy Year, each time you request an in-force illustration in excess of one per Policy Year, if a transaction under your policy requires underwriting approval after the Commencement Date, when you make a partial surrender, when you request an expedited delivery of surrender, partial surrender, or loan proceeds, In addition, for policies sold in certain states, you may be charged for premium taxes. | **Yes.** In addition to surrender charges, you also may be charged for other transactions, such as when premium is allocated, when you transfer cash value between investment options more than 15 times in a Policy Year, each time you request an in-force illustration in excess of one per Policy Year, if a transaction under your policy requires underwriting approval after the Commencement Date, when you make a partial surrender, when you request an expedited delivery of surrender, partial surrender, or loan proceeds, In addition, for policies sold in certain states, you may be charged for premium taxes. | **Yes.** In addition to surrender charges, you also may be charged for other transactions, such as when premium is allocated, when you transfer cash value between investment options more than 15 times in a Policy Year, each time you request an in-force illustration in excess of one per Policy Year, if a transaction under your policy requires underwriting approval after the Commencement Date, when you make a partial surrender, when you request an expedited delivery of surrender, partial surrender, or loan proceeds, In addition, for policies sold in certain states, you may be charged for premium taxes. | **<u>Charges and Deductions</u>** |
| **Are There Ongoing Fees and Expenses?**<br>(annual charges) | **Yes.** In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on characteristics of the insured (e.g., age, sex, and rating classification). Investors should view the policy specifications page of their Contract for rates applicable to their Contract.<br>Investors will also bear expenses associated with the Portfolio Companies under the Contract, as shown in the following table: | **Yes.** In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on characteristics of the insured (e.g., age, sex, and rating classification). Investors should view the policy specifications page of their Contract for rates applicable to their Contract.<br>Investors will also bear expenses associated with the Portfolio Companies under the Contract, as shown in the following table: | **Yes.** In addition to surrender charges and transaction charges, an investment in the Contract is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Contract and the cost of optional benefits available under the Contract. Such fees and expenses are set based on characteristics of the insured (e.g., age, sex, and rating classification). Investors should view the policy specifications page of their Contract for rates applicable to their Contract.<br>Investors will also bear expenses associated with the Portfolio Companies under the Contract, as shown in the following table: | **<u>Charges and Deductions</u>** |
| **Are There Ongoing Fees and Expenses?**<br>(annual charges) | &nbsp;&nbsp;&nbsp;&nbsp;**ANNUAL FEE** | **MINIMUM** | **MAXIMUM** | |
| **Are There Ongoing Fees and Expenses?**<br>(annual charges) | 1. Fund fees and expenses<sup>1</sup> | 0.22% | 1.69% | **<u>Charges and Deductions</u>** |
|  | 1.As a percentage of average Fund net assets. | 1.As a percentage of average Fund net assets. | 1.As a percentage of average Fund net assets. |  |
|  | **RISKS** | **RISKS** | **RISKS** | **LOCATION IN PROSPECTUS** |
| **Is There a Risk of Loss from Poor Performance?** | **Yes.** You can lose money by investing in this Contract. | **Yes.** You can lose money by investing in this Contract. | **Yes.** You can lose money by investing in this Contract. | **<u>Summary - Risks of the Policy</u>** |
| **Is this a Short-Term Investment?** | **No.** This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Withdrawal charges apply for up to 9 years following your last premium payment. To the extent they apply, they will reduce the value of your Contract if you withdraw money during that time. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon. | **No.** This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Withdrawal charges apply for up to 9 years following your last premium payment. To the extent they apply, they will reduce the value of your Contract if you withdraw money during that time. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon. | **No.** This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. Withdrawal charges apply for up to 9 years following your last premium payment. To the extent they apply, they will reduce the value of your Contract if you withdraw money during that time. The benefits of tax deferral and living benefit protections also mean the Contract is more beneficial to investors with a long time horizon. | **<u>Summary - Risks of the Policy</u>** |
| **What Are the Risks Associated with the Investment Options?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options you choose.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each investment option (including the Fixed Account) has its own unique risks.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• You should review the investment options before making an investment decision.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your contract could lapse and terminate without value if your policy's cash surrender value becomes too low to support the policy's monthly charges. There may be a cost associated with reinstating a lapsed contract and the payability of death benefits may be impacted in the event of the contract lapsing. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options you choose.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each investment option (including the Fixed Account) has its own unique risks.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• You should review the investment options before making an investment decision.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your contract could lapse and terminate without value if your policy's cash surrender value becomes too low to support the policy's monthly charges. There may be a cost associated with reinstating a lapsed contract and the payability of death benefits may be impacted in the event of the contract lapsing. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• An investment in this Contract is subject to the risk of poor investment performance and can vary depending on the performance of the investment options you choose.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Each investment option (including the Fixed Account) has its own unique risks.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• You should review the investment options before making an investment decision.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your contract could lapse and terminate without value if your policy's cash surrender value becomes too low to support the policy's monthly charges. There may be a cost associated with reinstating a lapsed contract and the payability of death benefits may be impacted in the event of the contract lapsing. | **<u>Summary - The Underlying Mutual Funds and Associated Risks</u>**<br>**<u>Summary - Risks of the Policy</u>** |

---

------

---

| | | |
|:---|:---|:---|
| **What Are the Risks Related to the Insurance Company?** | Any obligations (including under the Fixed Account), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson. More information about Jackson is available upon request from Jackson by calling 1-800-644-4565. | **<u>The Fixed Account</u>** |
|  | **RESTRICTIONS** |  |
| **Are There Restrictions on the Investment Options?** | **Yes.** <br>**Premium Payments**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We reserve the right, in our discretion, to limit, restrict, suspend or reject any or all initial or subsequent Premium payments and to limit the amount, frequency or timing of Premium payments, at any time on a non-discriminatory basis.<br>**Transfers**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We reserve the right to charge $25 for each transfer when you transfer money between Investment Divisions in excess of 15 times in a Contract Year.<br>**Investment Restrictions**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Jackson may remove or substitute Funds as investment options available under the Contract, and may limit or suspend availability of the Fixed Account Options. | **<u>Charges and Deductions</u>** |
| **Are There any Restrictions on Contract Benefits?** | **Yes.** Certain benefits may limit withdrawals or other rights under the Contract. Under certain benefits, a withdrawal could reduce the value of a benefit by more than the dollar amount of the withdrawal. An optional benefit's availability may vary by state or date of purchase. We may modify or discontinue an optional benefit at any time. | **<u>Policy Benefits and Rights</u>** |
|  | **TAXES** |  |
| **What Are the Contract's Tax Implications?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½. | **<u>Federal Tax Considerations</u>** |
|  | **CONFLICTS OF INTEREST** |  |
| **How Are Investment**<br>**Professionals**<br>**Compensated?** | Your registered representative or other investment professionals may receive compensation for selling this Contract to you in the form of commissions, revenue sharing, and other compensation programs. Accordingly, investment professionals may have a financial incentive to offer or recommend this Contract over another investment. | **<u>Distribution of Policies</u>** |
| **Should I Exchange My Contract?** | Some investment professionals may have a financial incentive to offer you a new contract in place of the one you own. You should only consider exchanging your Contract if you determine, after comparing the features, fees, and risks of both contracts, that it is in your best interest to purchase the new contract rather than continue to own your existing Contract. | **<u>Distribution of Policies</u>** |

---

------

**APPENDIX A**

**INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Funds (all Class I shares, with the exception of the JNL/Goldman Sachs 4 Fund, which uses Class A shares) available under the Contract, which is subject to change, as discussed in the prospectus. Certain broker-dealers selling the Contracts may limit the Investment Divisions that are available to their customers. You can find the prospectuses and other information about the Funds online at https://www.jackson.com/fund-literature.html. You can also request this information at no cost by calling 1-800-644-4565 or by sending an email request to ProspectusRequest@jackson.com.

The current expenses and performance information below reflects fees and expenses of the Funds, but does not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these charges were included. Each Fund's past performance is not necessarily an indication of future performance.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Allocation | **JNL/American Funds Balanced Fund**<sup>1</sup> |  |  |  |  |
| Allocation | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.60%<sup>2</sup> | 15.83% | 8.91% | 9.45% |
| U.S. Equity | **JNL/American Funds Growth-Income Fund**<sup>1</sup> |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.61%<sup>2</sup> | 17.99% | 13.82% | 13.80% |
| International/<br>Global Equity | **JNL/American Funds International Fund**<sup>1</sup> |  |  |  |  |
| International/<br>Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.81%<sup>2</sup> | 26.62% | 3.30% | 6.89% |
| International/<br>Global Equity | **JNL/American Funds New World Fund**<sup>1</sup> |  |  |  |  |
| International/<br>Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.96%<sup>2</sup> | 28.12% | 5.19% | 9.11% |
| U.S. Equity | **JNL/American Funds**<sup>®</sup> **Washington Mutual Investors Fund**<sup>1</sup> |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.61%<sup>2</sup> | 17.09% | 13.77% | 12.27% |
| International/<br>Global Equity | **JNL Multi-Manager Emerging Markets Equity Fund** |  |  |  |  |
| International/<br>Global Equity | (GQG Partners LLC, Kayne Anderson Rudnick Investment Management, LLC; T. Rowe Price Associates, Inc. (Sub-Sub-Adviser: T. Rowe Price Hong Kong Limited); WCM Investment Management, LLC | 0.92% | 24.59% | 1.97% | 6.02% |
| Allocation | **JNL Multi-Manager Global Small Cap Fund** |  |  |  |  |
| Allocation |  | 0.86% | 14.57% | 0.44% | 7.19% |
| International/<br>Global Equity | **JNL Multi-Manager International Equity Fund** |  |  |  |  |
| International/<br>Global Equity | (Causeway Capital Management LLC; Lazard Asset Management LLC; WCM Investment Management, LLC; William Blair Investment Management, LLC) | 0.67% | 23.78% | 2.20% | 5.47% |
| International/<br>Global Equity | **JNL Multi-Manager International Small Cap Fund** |  |  |  |  |
| International/<br>Global Equity | (Causeway Capital Management LLC; FIAM LLC (Sub-Sub-Adviser: FMR Investment Management (UK) Limited); WCM Investment Management, LLC) | 0.90% | 25.88% | 5.66% | N/A |
| U.S. Equity | **JNL Multi-Manager Small Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (BAMCO, Inc.; Driehaus Capital Management, LLC; Granahan Investment Management, Inc.; Kayne Anderson Rudnick Investment Management, LLC; Segall Bryant & Hamill, LLC; WCM Investment Management, LLC) | 0.68% | 3.87% | -0.99% | 9.71% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| U.S. Equity | **JNL Multi-Manager Small Cap Value Fund** |  |  |  |  |
| U.S. Equity | (Congress Asset Management Company, LLP; Cooke & Bieler, L.P.; Reinhart Partners, Inc.; River Road Asset Management, LLC; WCM Investment Management, LLC | 0.77% | 3.01% | 8.32% | 8.90% |
| Allocation | **JNL/BlackRock Global Allocation Fund** |  |  |  |  |
| Allocation | (BlackRock Investment Management, LLC; Sub-Sub-Advisers: BlackRock International Limited and BlackRock (Singapore) Limited) | 0.76% | 19.08% | 6.39% | 7.77% |
| Alternative | **JNL/BlackRock Global Natural Resources Fund** |  |  |  |  |
| Alternative | (BlackRock International Limited) | 0.70% | 30.19% | 13.95% | 9.00% |
| U.S. Equity | **JNL/BlackRock Large Cap Select Growth Fund** |  |  |  |  |
| U.S. Equity | (BlackRock Investment Management, LLC) | 0.53%<sup>2</sup> | 11.74% | 10.74% | 15.51% |
| International/<br>Global Equity | **JNL/Causeway International Value Select Fund** |  |  |  |  |
| International/<br>Global Equity | (Causeway Capital Management LLC) | 0.66% | 43.44% | 14.46% | 10.26% |
| Sector Equity | **JNL/Cohen & Steers U.S. Realty Fund** |  |  |  |  |
| Sector Equity | (Cohen & Steers Capital Management, Inc.) | 0.74% | 3.06% | 5.04% | N/A |
| U.S. Equity | **JNL/DFA U.S. Core Equity Fund** |  |  |  |  |
| U.S. Equity | (Dimensional Fund Advisors LP) | 0.45%<sup>2</sup> | 15.55% | 13.05% | 13.54% |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Core Fixed Income Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 0.48% | 7.52% | 0.38% | 2.34% |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Emerging Markets Fixed Income Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 0.78% | 8.84% | 1.98% | N/A |
| Fixed Income | **JNL/Dreyfus Government Money Market Fund** |  |  |  |  |
| Fixed Income | (Mellon Investments Corporation) | 0.26% | 4.09% | 3.05% | 1.95% |
| Fixed Income | **JNL/Fidelity Institutional AM**<sup>®</sup> **Total Bond Fund** |  |  |  |  |
| Fixed Income | (FIAM LLC) | 0.46% | 7.72% | 0.36% | 2.37% |
| Alternative | **JNL/First Sentier Global Infrastructure Fund** |  |  |  |  |
| Alternative | (First Sentier Investors (Australia) IM Ltd) | 0.86% | 17.97% | 7.04% | 7.25% |
| Allocation | **JNL/Franklin Templeton Income Fund** |  |  |  |  |
| Allocation | (Franklin Advisers, Inc.) | 0.62% | 12.26% | 7.50% | 7.40% |
| U.S. Equity | **JNL/Goldman Sachs 4 Fund** |  |  |  |  |
| U.S. Equity | (Goldman Sachs Asset Management, L.P.) | 0.70% | 16.69% | 13.95% | 11.59% |
| U.S. Equity | **JNL/Invesco Small Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (Invesco Advisers, Inc.) | 0.72% | 6.48% | -0.43% | 9.36% |
| U.S. Equity | **JNL/JPMorgan MidCap Growth Fund** |  |  |  |  |
| U.S. Equity | (J.P. Morgan Investment Management Inc.) | 0.59% | 8.41% | 4.54% | 12.47% |
| Fixed Income | **JNL/JPMorgan U.S. Government & Quality Bond Fund** |  |  |  |  |
| Fixed Income | (J.P. Morgan Investment Management Inc.) | 0.39% | 6.95% | -0.29% | 1.73% |
| U.S. Equity | **JNL/JPMorgan U.S. Value Fund** |  |  |  |  |
| U.S. Equity | (J.P. Morgan Investment Management Inc.) | 0.59% | 14.21% | 12.32% | 9.31% |
| International/<br>Global Equity | **JNL/Loomis Sayles Global Growth Fund** |  |  |  |  |
| International/<br>Global Equity | (Loomis, Sayles & Company, L.P.) | 0.69% | 17.83% | 9.17% | N/A |
| International/<br>Global Equity | **JNL/Mellon Emerging Markets Index Fund**<sup>3</sup> |  |  |  |  |
| International/<br>Global Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.40%<sup>2</sup> | 31.39% | 3.75% | 7.89% |
| International/<br>Global Equity | **JNL/Mellon World Index Fund** |  |  |  |  |
| International/<br>Global Equity | (Mellon Investments Corporation) | 0.30%<sup>2</sup> | 21.20% | 12.19% | N/A |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| U.S. Equity | **JNL/Mellon Nasdaq**<sup>®</sup> **100 Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.28%<sup>2</sup> | 20.70% | 14.99% | 19.48% |
| U.S. Equity | **JNL/Mellon S&P 500 Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.22% | 17.62% | 14.20% | 14.56% |
| U.S. Equity | **JNL/Mellon S&P 400 MidCap Index Fund**<sup>3</sup> |  |  |  |  |
| U.S. Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.26%<sup>2</sup> | 7.26% | 8.87% | 10.44% |
| U.S. Equity | **JNL/Mellon Small Cap Index Fund**<sup>3</sup> |  |  |  |  |
| U.S. Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.26%<sup>2</sup> | 5.90% | 7.06% | 9.58% |
| International/<br>Global Equity | **JNL/Mellon International Index Fund**<sup>3</sup> |  |  |  |  |
| International/<br>Global Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.31%<sup>2</sup> | 31.86% | 8.83% | 8.17% |
| Fixed Income | **JNL/Mellon Bond Index Fund**<sup>3</sup> |  |  |  |  |
| Fixed Income | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.28%<sup>2</sup> | 6.98% | -0.63% | 1.70% |
| U.S. Equity | **JNL/Mellon U.S. Stock Market Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.31% | 16.98% | 13.01% | N/A |
| Sector Equity | **JNL/Mellon Communication Services Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.29%<sup>2</sup> | 33.47% | 14.31% | 14.21% |
| Sector Equity | **JNL/Mellon Consumer Discretionary Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.29%<sup>2</sup> | 5.43% | 7.72% | 13.39% |
| Sector Equity | **JNL/Mellon Energy Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.29%<sup>2</sup> | 7.24% | 23.21% | 7.39% |
| Sector Equity | **JNL/Mellon Financial Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.29%<sup>2</sup> | 16.58% | 14.92% | 12.70% |
| Sector Equity | **JNL/Mellon Healthcare Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.28%<sup>2</sup> | 14.87% | 6.46% | 9.37% |
| Sector Equity | **JNL/Mellon Information Technology Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.26%<sup>2</sup> | 21.15% | 18.96% | 23.04% |
| U.S. Equity | **JNL/MFS Mid Cap Value Fund** |  |  |  |  |
| U.S. Equity | (Massachusetts Financial Services Company (d/b/a MFS Investment Management)) | 0.65% | 6.33% | 10.33% | 9.82% |
| Fixed Income | **JNL/Neuberger Berman Strategic Income Fund** |  |  |  |  |
| Fixed Income | (Neuberger Berman Investment Advisers LLC) | 0.65% | 9.54% | 3.32% | 4.39% |
| Fixed Income | **JNL/PIMCO Real Return Fund** |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | 1.38% | 8.10% | 1.55% | 3.43% |
| Fixed Income | **JNL/PPM America High Yield Bond Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | 0.46% | 8.78% | 4.60% | 6.18% |
| U.S. Equity | **JNL/RAFI**<sup>®</sup> **Fundamental U.S. Small Cap Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.32%<sup>2</sup> | 7.17% | 9.59% | 7.19% |
| U.S. Equity | **JNL/RAFI**<sup>®</sup> **Multi-Factor U.S. Equity Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.37% | 16.53% | 12.77% | 11.13% |
| U.S. Equity | **JNL/T. Rowe Price Growth Stock Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.) | 0.53%<sup>2</sup> | 15.61% | 9.52% | 14.38% |
| U.S. Equity | **JNL/T. Rowe Price Mid-Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | 0.65%<sup>2</sup> | 3.46% | 3.83% | 9.85% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Fixed Income | **JNL/T. Rowe Price Short-Term Bond Fund** |  |  |  |  |
| Fixed Income | (T. Rowe Price Associates, Inc.) | 0.42%<sup>2</sup> | 5.64% | 2.21% | 2.41% |
| U.S. Equity | **JNL/T. Rowe Price Value Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.) | 0.55%<sup>2</sup> | 12.35% | 10.87% | 10.88% |
| Allocation | **JNL/WMC Balanced Fund** |  |  |  |  |
| Allocation | (Wellington Management Company LLP) | 0.41% | 16.04% | 9.22% | 9.57% |
| U.S. Equity | **JNL/WMC Value Fund** |  |  |  |  |
| U.S. Equity | (Wellington Management Company LLP) | 0.49% | 14.99% | 11.24% | 10.11% |
| Allocation | **JNL Moderate Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 0.91% | 12.99% | 5.68% | N/A |

---

---

| | |
|:---|:---|
| 1 | Capital Research and Management Company is the investment adviser of the master fund in which this feeder fund invests. Under the master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities. |
| 2 | The Fund's current expenses reflect temporary fee reductions. |
| 3 | Mellon Investments Corporation is the investment sub-adviser of the master fund in which this feeder fund invests. Under the master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities. |

---

The following is a list of Fixed Account Options currently available under the Contract. We may change the features of the Fixed Account Options listed below, offer new Fixed Account Options, and terminate existing Fixed Account Options. We will provide you with written notice before doing so.

---

| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate** |
| 1-year Fixed Account Option | 1 year | 3.00% |

---

------

**BACK COVER PAGE**

The EDGAR contract identifier for the Contract is: #C000030245