# EDGAR Filing Document

**Accession Number:** 0000927730
**File Stem:** 0000927730-25-000475
**Filing Date:** 2025-7
**Character Count:** 149040
**Document Hash:** 2b34356fdd3710e43019bcc3dba97e99
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000927730-25-000475.hdr.sgml**: 20250718

**ACCESSION NUMBER**: 0000927730-25-000475

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 28

**FILED AS OF DATE**: 20250718

**DATE AS OF CHANGE**: 20250718

**EFFECTIVENESS DATE**: 20250721

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** JACKSON NATIONAL SEPARATE ACCOUNT - I
- **CENTRAL INDEX KEY:** 0000927730

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

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-08664
- **FILM NUMBER:** 251134072

**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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** JACKSON NATIONAL SEPARATE ACCOUNT I
- **DATE OF NAME CHANGE:** 19940803
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** JACKSON NATIONAL SEPARATE ACCOUNT - I
- **CENTRAL INDEX KEY:** 0000927730

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

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-226897
- **FILM NUMBER:** 251134071

**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

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** JACKSON NATIONAL SEPARATE ACCOUNT I
- **DATE OF NAME CHANGE:** 19940803

## Series and Classes Contracts Data

### JACKSON NATIONAL SEPARATE ACCOUNT - I (Series ID: S000010906)

| Class ID   | Class Name                                                                                 | Ticker Symbol   |
|:---|:---|:---|
| C000030215 | Perspective                                                                                |  |
| C000030216 | Defined Strategies                                                                         |  |
| C000030217 | Perspective II (Contracts offered for sale before April 30, 2012)                          |  |
| C000030218 | Fifth Third Perspective                                                                    |  |
| C000030219 | Perspective Focus                                                                          |  |
| C000030220 | Perspective Advisors II (Contracts offered for sale before December 12, 2011)              |  |
| C000030222 | Perspective L Series (Contracts offered for sale before December 12, 2011)                 |  |
| C000033251 | Retirement Latitudes (Contracts offered for sale before June 24, 2019)                     |  |
| C000037894 | Curiangard Simplified Retirement Annuity                                                   |  |
| C000074188 | Perspective Rewards                                                                        |  |
| C000101314 | Perspective II (6% CE) (Contracts offered for sale before September 10, 2012)              |  |
| C000101316 | Perspective L Series (6% CE)                                                               |  |
| C000101318 | Perspective II (Single Share) (Contracts offered for sale before September 10, 2012)       |  |
| C000105263 | Perspective Advisors II (Contracts offered for sale on and after December 12, 2011)        |  |
| C000105265 | Perspective L Series (Contracts offered for sale on and after December 12, 2011)           |  |
| C000106593 | Elite Access                                                                               |  |
| C000111406 | Perspective II (Contracts offered for sale between 04/30/12 and 09/10/12)                  |  |
| C000119140 | Perspective II (Contracts offered for sale between September 10, 2012 and July 11, 2016)   |  |
| C000119143 | Perspective II (6% CE) (Contracts offered for sale on and after September 10, 2012)        |  |
| C000119145 | Perspective II (Single Share) (Contracts offered for sale on and after September 10, 2012) |  |
| C000138207 | Elite Access Brokerage Edition                                                             |  |
| C000170421 | Perspective Advisory                                                                       |  |
| C000173433 | Elite Access Advisory                                                                      |  |
| C000190624 | Perspective Advisory II                                                                    |  |
| C000190625 | Jackson Private Wealth                                                                     |  |
| C000205594 | Elite Access Advisory II                                                                   |  |
| C000210231 | Perspective II (Contracts for sale on and after June 24, 2019)                             |  |
| C000210232 | Retirement Latitudes (Contracts for sale on and after June 24, 2019)                       |  |
| C000218277 | Elite Access II                                                                            |  |
| C000218281 | Jackson Advantage                                                                          |  |
| C000226535 | Jackson Retirement Investment Annuity                                                      |  |

?xml version='1.0' encoding='ASCII'? jnl-20250718

As filed with the Securities and Exchange Commission on July 18, 2025

Commission File Nos. 333-226897

811-08664

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM N-4**&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

---

| | | |
|:---|:---|:---|
| REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 | REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 | [ ] |
| | Pre-Effective Amendment No. | [ ] |
| | Post-Effective Amendment No. **20** | [X] |
| and/or | and/or | and/or |

---

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

---

| | |
|:---|:---|
| Amendment No. **969** | [X] |

---

**JACKSON NATIONAL SEPARATE ACCOUNT - I**

(Exact Name of Registrant)

**JACKSON NATIONAL LIFE INSURANCE COMPANY**

(Name of Depositor)

1 Corporate Way, Lansing, Michigan 48951

(Address of Depositor's Principal Executive Offices)

Depositor's Telephone Number, including Area Code: (517) 381-5500

Scott J. Golde, Esq., Senior Vice President and General Counsel

Jackson National Life Insurance Company, 1 Corporate Way, Lansing, MI 48951

(Name and Address of Agent for Service)

Copy to:

Alison Samborn, Esq., Assistant Vice President, Insurance Legal & Product Development

Jackson National Life Insurance Company, 1 Corporate Way, Lansing, MI 48951

---

| | |
|:---|:---|
| Approximate Date of Proposed Public Offering: | Approximate Date of Proposed Public Offering: |
| It is proposed that this filing will become effective (check appropriate box) | It is proposed that this filing will become effective (check appropriate box) |
| [ ] | immediately upon filing pursuant to paragraph (b) |
| **[X]** | **on July 21, 2025 pursuant to paragraph (b)** |
| [ ] | 60 days after filing pursuant to paragraph (a)(1) |
| [ ] | on (date) pursuant to paragraph (a)(1). |
| If appropriate, check the following box: | If appropriate, check the following box: |
| [ ] | this post-effective amendment designates a new effective date for a previously filed post-effective amendment |
| Title of Securities Being Registered: the Flexible Premium Variable Deferred Annuity contract. | Title of Securities Being Registered: the Flexible Premium Variable Deferred Annuity contract. |

---

**EXPLANATORY NOTE: This Amendment to the Registration Statement on Form N-4 (the "Registration Statement") is being filed pursuant to Rule 485(b) under the Securities Act of 1933, as amended, for the purpose of filing supplements to the prospectus. Part C is also amended as reflected therein. Except as heretofore amended, this Amendment does not otherwise delete, amend, or supersede any prospectus, statement of additional information, exhibit, undertaking, or other information contained in the Registration Statement, which are hereby incorporated by reference to the extent required and/or permitted by applicable law.**

------

**Supplement Dated July 21, 2025**

**To The Prospectus Dated April 28, 2025 For**

**ELITE ACCESS ADVISORY II**<sup>®</sup> **FLEXIBLE PREMIUM VARIABLE DEFERRED ANNUITY**

**Issued by**

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

**Jackson National Separate Account - I**

**This supplement updates the above-referenced prospectus. Please read and keep it together with your prospectus for future reference. To obtain an additional copy of a prospectus, please contact us at our Customer Care Center, P.O. Box 24068, Lansing, Michigan, 48909-4068; 1-800-644-4565; www.jackson.com.**

Effective July 21, 2025 your prospectus is revised to update disclosures relating to the maximum issue age and the availability of the Add-On Benefit Advisory Fee Withdrawal Program with elections of the Principal Guard Guaranteed Minimum Accumulation Benefit. Your prospectus is revised as follows:

⮚&nbsp;&nbsp;&nbsp;&nbsp;In the section titled "**THE ANNUITY CONTRACT**" beginning on page 8 of the prospectus, the second to last sentence in the initial paragraph has been deleted and replaced with the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We will not issue a Contract to someone older than age 90 (age 85 for Contracts issued prior to July 21, 2025).

The following revisions have been made to permit use of the Add-On Benefit Advisory Fee Withdrawal Program with elections of the Principal Guard GMAB:

⮚&nbsp;&nbsp;&nbsp;&nbsp;In the section titled "**Benefits Available Under the Contracts**" beginning on page 17 of the prospectus, in the subsection titled "**Principal Guard GMAB**", the following changes have been made in the "**BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS**" column:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The following bullet point is deleted:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Payment of advisory fees via direct deduction from Contract Value is not permitted if this add-on benefit is elected.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The following bullet point is added:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ The deduction of advisory fees from Contract Value under the Add-On Benefit Advisory Fee Withdrawal Program will be capped at 1.25% of Contract Value annually.

⮚&nbsp;&nbsp;&nbsp;&nbsp;In the section titled "**ACCESS TO YOUR MONEY**" beginning on page 26 of the prospectus, in the subsection titled "**Withdrawals**", the following disclosure has been added following the last paragraph of the subsection:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The direct deduction of advisory fees from Contract Value pursuant to our administrative rules (including the terms of the Add-On Benefit Advisory Fee Withdrawal Program) are **<u>not</u>** considered withdrawals as described in your Principal Guard GMAB add-on benefit. The payment of advisory fees from Contract Value, even pursuant to our administrative rules, will always reduce Contract Value and the basic death benefit. For more information about the deduction of advisory fees from Contract Value, please see "Add-On Benefit Advisory Fee Withdrawal Program" beginning on page 32.

______________________________

(To be used with JMV21086 04/25)

Page 1 of 1

VPS00081 07/25

------

**PART C**

**OTHER INFORMATION**

**Item 27. Exhibits**

---

| | |
|:---|:---|
| Exhibit No. | Description |
| (a) | Board of Directors Resolution |
| (a)(1) | <u>[Resolution of Depositor's Board of Directors authorizing the establishment of the Registrant, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 9 filed on April 21, 1999 (File Nos. 033-82080 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/0000927730-99-000014.txt)</u> |
| (b) | Custodian Agreements. Not Applicable. |
| (c) | Underwriting Contracts. |
| (c)(1) | <u>[Amended and Restated General Distributor Agreement dated June 1, 2006, incorporated herein by reference to the Registrant's Registration Statement filed on August 10, 2006 (File Nos. 333-136472 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773006000256/distagmt606.txt)</u> |
| (c)(2) | <u>[Specimen of Selling Agreement (V2565 06/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on September 11, 2014 (File Nos. 333-183048 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773014000336/sellingagreement.htm)</u> |
| (c)(3) | <u>[Specimen of Fee-Based Product Addendum to Selling Agreement, incorporated herein by reference to Pre-Effective Amendment 1, filed on November 30, 2016 (File Nos. 333-212424 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773016000664/feebasedaddendumtosellin.htm)</u> |
| (c)(4) | <u>[Specimen of DOL Fiduciary Rule Addendum to Selling Agreement (SAA0007 04/17), incorporated herein by reference to Registrant's Post-Effective Amendment No. 12, filed on April 24, 2018 (File Nos. 333-183050 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773018000156/dolfiduciaryruleaddendum.htm)</u> |
| (d) | Contracts. |
| (d)(1) | <u>[Specimen of the Elite Access Advisory II Variable Annuity Contract (ICC18 VA785), incorporated herein by reference to Registrant's Statement, filed on August 17, 2018 (File Nos. 333-226897 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773018000448/contracticc18va785.htm)</u> |
| (d)(2) | <u>[Specimen of Retirement Plan Endorsement, incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118368 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773004000204/retirement_endorse.txt)</u> |
| (d)(3) | <u>[Specimen of Charitable Remainder Trust Endorsement, incorporated herein by reference to the Registrant's Pre-Effective Amendment filed on December 23, 2004 (File Nos. 333-118368 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773004000318/crt7487.txt)</u> |
| (d)(4) | <u>[Form of Non-Qualified Stretch Annuity Endorsement (ICC14 7723), incorporated herein by reference to Registrant's Post-Effective Amendment No. 9, filed on September 11, 2014 (File Nos. 333-176619 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773014000344/endorsement.htm)</u> |
| (d)(5) | <u>[Form of Individual Retirement Annuity Endorsement (ICC14 7715), incorporated herein by reference to Registrant's Post-Effective Amendment No. 16, filed on January 20, 2015 (File Nos. 333-183048 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773015000004/seven715.htm)</u> |
| (d)(6) | <u>[Form of Roth Individual Retirement Annuity Endorsement (ICC14 7716), incorporated herein by reference to Registrant's Post-Effective Amendment No. 16, filed on January 20, 2015 (File Nos. 333-183048 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773015000004/seven716.htm)</u> |
| (d)(7) | <u>[Form of Section 403(b) Tax Sheltered Annuity Endorsement (ICC14 7725), incorporated herein by reference to Registrant's Post-Effective Amendment No. 16, filed on January 20, 2015 (File Nos. 333-183048 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773015000004/seven725.htm)</u> |
| (d)(8) | <u>[Form of Unisex Contract Endorsement (ICC18 7758), incorporated herein by reference to Registrant's Statement, filed on August 17, 2018 (File Nos. 333-226897 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773018000448/icc187758unisexcontracte.htm)</u> |
| (d)(9) | <u>[Form of Return of Premium Guaranteed Minimum Death Benefit (ICC20 7783), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on December 29, 2020 (File Nos. 333-226897 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773020000457/icc207783.htm)</u> |
| (d)(10) | <u>[Form of Advisory Fee from Contract Endorsement (ICC22 7788),](http://www.sec.gov/Archives/edgar/data/927730/000092773022000606/a7788icc22advisoryfeefro.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No.](http://www.sec.gov/Archives/edgar/data/927730/000092773022000606/a7788icc22advisoryfeefro.htm)[12](http://www.sec.gov/Archives/edgar/data/927730/000092773022000606/a7788icc22advisoryfeefro.htm)[, filed on](http://www.sec.gov/Archives/edgar/data/927730/000092773022000606/a7788icc22advisoryfeefro.htm)[October 17, 2022](http://www.sec.gov/Archives/edgar/data/927730/000092773022000606/a7788icc22advisoryfeefro.htm)[(File Nos. 333-226897 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773022000606/a7788icc22advisoryfeefro.htm)</u> |

---

------

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| | |
|:---|:---|
| (d)(11) | <u>[Form of Guaranteed Minimum Accumulation Benefit (ICC24 7816), incorporated herein by reference to Registrant's Post-Effective Amendment No. 16, filed on October 15, 2024 (File Nos. 333-226897 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773024000347/icc247816final09-20x24.htm)</u> |
| (e) | Applications. |
| (e)(1) | <u>[Form of Variable Annuity Application (V785 12/18), incorporated herein by reference to Registrant's Statement, filed on August 17, 2018 (File Nos. 333-226897 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773018000448/v785121872618opt.htm)</u> |
| (e)(2) | <u>[Form of Variable Annuity Application (V785 12/18), incorporated herein by reference to Registrant's Pre-Effective Amendment No. 1, filed on November 30, 2018 (File Nos. 333-226897 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773018000509/v785121872618application.htm)</u> |
| (e)(3) | <u>[Form of Variable Annuity Application (V785 06/19), incorporated herein by reference to Registrant's Post-Effective Amendment No. 2, filed on June 18, 2019 (File Nos. 333-226897 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773019000395/v7850619application.htm)</u> |
| (e)(4) | <u>[Form of Variable Annuity Application (V785 04/20), incorporated herein by reference to Registrant's Post-Effective Amendment No. 3, filed on April 21, 2020 (File Nos. 333-226897 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773020000217/v7850420application.htm)</u> |
| (e)(5) | <u>[Form of Variable Annuity Application (V670 04/21), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on December 29, 2020 (File Nos. 333-226897 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773020000457/vda81004-21final11x23x20.htm)</u> |
| (e)(6) | <u>[Form of Variable Annuity Application (V785 04/21),](http://www.sec.gov/Archives/edgar/data/927730/000092773021000122/v78504-2102x09x21applica.htm)[incorporated herein by reference to the Registrant's Post-Effective Amendment No.](http://www.sec.gov/Archives/edgar/data/927730/000092773021000122/v78504-2102x09x21applica.htm)[6](http://www.sec.gov/Archives/edgar/data/927730/000092773021000122/v78504-2102x09x21applica.htm)[filed on April](http://www.sec.gov/Archives/edgar/data/927730/000092773021000122/v78504-2102x09x21applica.htm)[2](http://www.sec.gov/Archives/edgar/data/927730/000092773021000122/v78504-2102x09x21applica.htm)[0](http://www.sec.gov/Archives/edgar/data/927730/000092773021000122/v78504-2102x09x21applica.htm)[,](http://www.sec.gov/Archives/edgar/data/927730/000092773021000122/v78504-2102x09x21applica.htm)[2021](http://www.sec.gov/Archives/edgar/data/927730/000092773021000122/v78504-2102x09x21applica.htm)[(](http://www.sec.gov/Archives/edgar/data/927730/000092773021000122/v78504-2102x09x21applica.htm)[File Nos. 333-226897 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000122/v78504-2102x09x21applica.htm)</u> |
| (e)(7) | <u>[Form of Variable Annuity Application (V785 04/22), incorporated herein by reference to Registrant's Post-Effective Amendment No.](http://www.sec.gov/Archives/edgar/data/927730/000092773022000056/v78504-22final101x04x22e.htm)[9](http://www.sec.gov/Archives/edgar/data/927730/000092773022000056/v78504-22final101x04x22e.htm)[, filed on April 19, 2022 (File Nos. 333-226897 and 811-08664)](http://www.sec.gov/Archives/edgar/data/927730/000092773022000056/v78504-22final101x04x22e.htm)</u> |
| (e)(8) | <u>[Form of the Elite Access Advisory II Individual Variable Annuity Application (V785 10/24), incorporated herein by reference to Registrant's Post-Effective Amendment No. 16, filed on October 15, 2024 (File Nos. 333-226897 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773024000347/v78510-24prelimfinal207x.htm)</u> |
| (f) | Depositor's Certificate of Incorporation and By-laws. |
| (f)(1) | <u>[Articles of Incorporation of Depositor, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 3 filed on April 30, 1996 (File Nos. 033-82080 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/0000950124-96-001875.txt)</u> |
| (f)(2) | <u>[By-laws of Depositor, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 3 filed on April 30, 1996 (File Nos. 033-82080 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/0000950124-96-001875.txt)</u> |
| (f)(3) | <u>[Amended By-laws of Jackson National Life Insurance Company, incorporated herein by reference to the Registration Statement, filed on December 31, 2012 (File Nos. 333-185768 and 811-04405).](http://www.sec.gov/Archives/edgar/data/776991/000077699112000048/amendedbylaws.htm)</u> |
| (g) | Reinsurance Agreements. |
| (g)(1) | <u>[Variable Annuities Funds Withheld Coinsurance Agreement between Jackson National Life Insurance Company and Brooke Life Reinsurance Company](http://www.sec.gov/Archives/edgar/data/927730/000092773024000061/jnl_brookerevafundswithh.htm)[, dated January 1, 2024](http://www.sec.gov/Archives/edgar/data/927730/000092773024000061/jnl_brookerevafundswithh.htm)[,](http://www.sec.gov/Archives/edgar/data/927730/000092773024000061/jnl_brookerevafundswithh.htm)[incorporated herein by reference to registrant](http://www.sec.gov/Archives/edgar/data/927730/000092773024000061/jnl_brookerevafundswithh.htm)['](http://www.sec.gov/Archives/edgar/data/927730/000092773024000061/jnl_brookerevafundswithh.htm)[s Post-Effective Amendment No. 10, filed on April 23](http://www.sec.gov/Archives/edgar/data/927730/000092773024000061/jnl_brookerevafundswithh.htm)[, 2024 (File Nos. 333-235565 and 811-08664](http://www.sec.gov/Archives/edgar/data/927730/000092773024000061/jnl_brookerevafundswithh.htm)[)](http://www.sec.gov/Archives/edgar/data/927730/000092773024000061/jnl_brookerevafundswithh.htm)[.](http://www.sec.gov/Archives/edgar/data/927730/000092773024000061/jnl_brookerevafundswithh.htm)</u> |
| (h) | Participation Agreements. |
| (h)(1)(i) | <u>[Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, and Capital Research and Management Company, dated May 1, 2010, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a1exe28_jnlpartagmnt0501.htm)</u> |
| (h)(1)(ii) | <u>[First Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, and Capital Research and Management Company, dated January 18, 2012, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a2ex99h2ii.htm)</u> |

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| | |
|:---|:---|
| (h)(1)(iii) | <u>[Second Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, Capital Research and Management Company, and Jackson National Asset Management, LLC, dated December 31, 2014, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a3ex99h2iii.htm)</u> |
| (h)(1)(iv) | <u>[Third Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, and Capital Research and Management Company, dated April 24, 2017, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a4exh12iv_paamendjnl0424.htm)</u> |
| (h)(1)(v) | <u>[Fourth Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, and Capital Research and Management Company, dated August 13, 2018, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a5exh14v_crmcpartamend08.htm)</u> |
| (h)(1)(vi) | <u>[Fifth Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, and Capital Research and Management Company, dated April 27, 2020, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a6exh11vi_mfpaamendafisx.htm)</u> |
| (h)(2)(i) | <u>[Amended and Restated Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, Jackson National Asset Management, LLC, American Funds Insurance Series, Capital Research and Management Company, and American Funds Service Company, dated June 8, 2017, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a1exh15i_afundspartagmnt.htm)</u> |
| (h)(2)(ii) | <u>[First Amendment to Amended and Restated Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, Jackson National Asset Management, LLC, American Funds Insurance Series, Capital Research and Management Company, and American Funds Service Company, dated September 25, 2017, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a2exh15ii_afundspartamen.htm)</u> |
| (h)(2)(iii) | <u>[Second Amendment to Amended and Restated Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, Jackson National Asset Management, LLC, American Funds Insurance Series, Capital Research and Management Company, and American Funds Service Company, dated April 27, 2020, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a3exh13iii_mfpascdamndaf.htm)</u> |
| (h)(3)(i) | <u>[Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated May 1, 2010, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a1afbizagreementfinal.htm)</u> |
| (h)(3)(ii) | <u>[First Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated February 1, 2012, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a2jnl1stamendtobizagmnt.htm)</u> |
| (h)(3)(iii) | <u>[Second Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated April 30, 2012, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a3jnl2ndamendtobizagmnt_.htm)</u> |
| (h)(3)(iv) | <u>[Third Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated March 1, 2013, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a4businessagreementjnl-t.htm)</u> |

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| | |
|:---|:---|
| (h)(3)(v) | <u>[Fourth Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated April 24, 2017, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a5businessagreementjnl-f.htm)</u> |
| (h)(3)(vi) | <u>[Fifth Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated August 13, 2018, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a6jnlbusinessagreement-f.htm)</u> |
| (h)(3)(vii) | <u>[Sixth Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated April 27, 2020, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a7jnlbusinessagreement-s.htm)</u> |
| (h)(3)(viii) | <u>[Seventh Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated April 26, 2021, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a8jnlbusinessagreement-s.htm)</u> |
| (h)(3)(ix) | <u>[Fund of Funds Investment Agreement (American Funds) dated January 19, 2022, incorporated herein by reference to Registrant's Post-Effective Amendment No. 7, filed on April 19, 2022 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/exh3ixinvagmtafis.htm)</u> |
| (h)(3)(x) | <u>[Fund of Funds Investment Agreement (Black](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/exh3xinvagmtblackrock.htm)[R](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/exh3xinvagmtblackrock.htm)[ock Rule 12d1-4), dated January 19, 2022, incorporated herein by reference to Registrant's Post-Effective Amendment No. 7, filed on April 19, 2022 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/exh3xinvagmtblackrock.htm)</u> |
| (h)(3)(xi) | <u>[Fund of Funds Investment Agreement (Vanguard Rule 12d1-4), dated January 19, 2022, incorporated herein by reference to Registrant's Post-Effective Amendment No. 7, filed on April 19, 2022 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/exh3xiinvagmtvanguard.htm)</u> |
| (h)(3)(xii) | <u>[First Amendment to Fund of Funds Investment Agreement (American Funds), effective October 21, 2024,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[incorporated herein by reference to Registrant](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)['](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[s Post-Effective Amendment No. 13, filed on Oct](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[ober 15, 2024 (File Nos. 333-235565 and 811-08664)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[.](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)</u> |
| (h)(3)(xiii) | <u>[Fund of Funds Investment Agreement (T. Rowe Price Rule 12d1-4), dated October 21, 2024](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jacksonnation.htm)[,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jacksonnation.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on October 15, 2024 (File Nos. 333-235565 and 811-08664)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jacksonnation.htm)[.](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jacksonnation.htm)</u> |
| (h)(3)(xiv) | <u>[Fund of Funds Investment Agreement (VanEck ETF Trust Rule 12d1-4), dated October 21, 2024](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jnlfundoffund.htm)[,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jnlfundoffund.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on October 15, 2024 (File Nos. 333-235565 and 811-08664)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jnlfundoffund.htm)[.](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jnlfundoffund.htm)</u> |
| (h)(3)(xv) | <u>[First Amendment to Fund of Funds Investment Agreement (BlackRock Rule 12d1-4), effective October 21, 2024,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on October 15, 2024 (File Nos. 333-235565 and 811-08664)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)[.](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)</u> |
| (i) | Administrative Contracts. |
| (i)(1) | <u>[Amended and Restated Administrative Services Agreement between Jackson National Asset Management, LLC and Jackson National Life Insurance Company, incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773013000080/servicingagreement.htm)</u> |
| (j) | Other Material Contracts. Not Applicable. |
| (k) | Legal Opinion. |
| (k)(1) | Opinion and Consent of Counsel, attached hereto. |

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| | |
|:---|:---|
| (l) | Other Opinions. |
| (l)(1) | Consent of Independent Registered Public Accounting Firm, attached hereto. |
| (m) | Omitted Financial Statements. Not Applicable. |
| (n) | Initial Capital Agreements. Not Applicable. |
| (o) | Form of Initial Summary Prospectus. |
| (o)(1) | Form of Initial Summary Prospectus, attached hereto. |
| Item 29 | Organizational Chart, attached hereto. |

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**Item 28. Directors and Officers of the Depositor**

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| | |
|:---|:---|
| Name and Principal Business Address | Positions and Offices with Depositor |
| Laura L. Prieskorn<br>1 Corporate Way<br>Lansing, MI 48951 | Chief Executive Officer, Chair, and Director |
| Christopher A. Raub<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | President and Director |
| Don W. Cummings<br>1 Corporate Way<br>Lansing, MI 48951 | Executive Vice President, Chief Financial Officer, and Director |
| Savvas P. Binioris<br>1 Corporate Way<br>Lansing, MI 48951 | Executive Vice President and Chief Risk Officer |
| Carrie L. Chelko<br>1 Corporate Way<br>Lansing, MI 48951 | Executive Vice President |
| Devkumar D. Ganguly<br>1 Corporate Way<br>Lansing, MI 48951 | Executive Vice President and Chief Innovation and Technology Officer |
| Scott E. Romine<br>300 Innovation Drive<br>Franklin, TN 37067 | Executive Vice President |
| Craig D. Smith<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Executive Vice President |

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| | |
|:---|:---|
| Craig A. Anderson<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President and Controller |
| Scott J. Golde<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President, General Counsel |
| Andrea D. Goodrich<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Corporate Law and Corporate Secretary |
| Guillermo E. Guerra<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Chief Technology Officer, Chief Information Security Officer, and Privacy Officer |
| Laura L. Hanson<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Operations |
| Michael R. Hicks<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Chief Information Officer |
| Dana S. Rapier<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Chief Human Resources Officer |
| Joshua K. Richardson<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President |
| Dean R. Scott<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Corporate Development and Treasury |
| Lin L. Sun<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Senior Vice President and Chief Actuary |
| Brian M. Walta<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Planning and Asset Liability Management |
| Elizabeth A. Werner<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President |
| Richard C. White<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President |
| Marina C. Ashiotou<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Vice President |

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| | |
|:---|:---|
| Dennis A. Blue<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Ellen J. Bode<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President, Appointed Actuary |
| Robert Boles<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Vice President |
| Barrett M. Bonemer<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Pamela L. Bottles<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Andrew R. Campbell <br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Hilary R. Cranmore<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Lauren B. Dunn<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Joseph K. Garrett<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Margaret C. Garza<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Robert W. Hajdu<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Thomas A. Janda<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Heidi L. Kaiser<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President, Chief Compliance Officer, Separate Accounts Chief Compliance Officer, Advertising Officer, and Anti-Money Laundering Compliance Officer |
| Diedre J. Kosier<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |

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| | |
|:---|:---|
| Darren T. Kramer<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Efthimios Lekas<br>225 W. Wacker Dr. <br>Suite 1200<br>Chicago, IL 60606 | Vice President |
| David J. Linehan<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Lisa A. Lubahn<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Aaron T. Maguire<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Ryan T. Mellott<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Stefan C. Ott<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Joshua K. Richardson<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Kristan L. Richardson<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President and Assistant Secretary |
| Danielle E. Robinson<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| James A. Schultz<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President and Treasurer |
| Muhammad S. Shami<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Brooke Thorne<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| John A. Vandercruyssen<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President, Assistant Controller |

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| | |
|:---|:---|
| Srikant Vatturi Venkata Satya<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President, Asset Liability Management |
| John F. Visicaro<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |

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**Item 29. Persons Controlled by or Under Common Control with the Depositor or Registrant.**

The Registrant is a separate account of Jackson National Life Insurance Company ("Depositor"), a stock life insurance company organized under the laws of the state of Michigan. The Depositor is a wholly owned subsidiary of Jackson Financial Inc., a publicly traded life insurance company in the United States.

The organizational chart for Jackson Financial Inc. indicates those persons who are controlled by or under common control with the Depositor. No person is controlled by the Registrant.

The organizational chart for Jackson Financial Inc. is attached hereto.

**Item 30. Indemnification**

Provision is made in the Company's Amended By-Laws for indemnification by the Company of any person who was or is a party or is threatened to be made a party to a civil, criminal, administrative or Investigative action by reason of the fact that such person is or was a director, officer or employee of the Company, against expenses, including attorneys' fees, judgments, fines and amounts paid in settlement actually and reasonably incurred by such person in connection with such action, suit or proceedings, to the extent and under the circumstances permitted by the General Corporation Law of the State of Michigan.

Insofar as indemnification for liabilities arising under the Securities Act of 1933 ("Act") may be permitted to directors, officers and controlling persons of the Company pursuant to the foregoing provisions, or otherwise, the Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against liabilities (other than the payment by the Company of expenses incurred or paid by a director, officer or controlling person of the Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Company will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

**Item 31. Principal Underwriter**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a)Jackson National Life Distributors LLC acts as general distributor for the Jackson National Separate Account - I. Jackson National Life Distributors LLC also acts as general distributor for the Jackson National Separate Account III, the Jackson National Separate Account IV, the Jackson National Separate Account V, the JNLNY Separate Account I, the JNLNY Separate Account II, the JNLNY Separate Account IV, the Jackson Sage Variable Annuity Account A, the Jackson Sage Variable Life Account A, the Jackson SWL Variable Annuity Fund I, the JNL Series Trust, JNL Variable Fund LLC, JNL Investors Series Trust, and Jackson Variable Series Trust.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b)Directors and Officers of Jackson National Life Distributors LLC:

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| | |
|:---|:---|
| Name and Business Address | Positions and Offices with Underwriter |
| Scott Romine<br>300 Innovation Drive<br>Franklin, TN 37067 | President, Chief Executive Officer, Chair and Manager |

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| | |
|:---|:---|
| Hilary Cranmore<br>1 Corporate Way<br>Lansing, MI 48951 | Manager |
| Savvas P. Binioris<br>1 Corporate Way<br>Lansing, MI 48951 | Manager |
| Alison Reed<br>300 Innovation Drive<br>Franklin, TN 37067 | Chief Product Development and Strategy Execution Officer |
| Lauren L. Caputo<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Ashley S. Golson<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President, National Sales Desk and Distribution Intelligence |
| Aileen Herndon<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Heidi Kaiser <br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, General Counsel & Anti-Money Laundering Compliance Officer |
| Matt Lemieux<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Kevin Luebbers<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Greg Masucci<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Kimberly Plyer<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Tom Smith<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Myles Womack<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Tim Munsie<br>300 Innovation Drive<br>Franklin, TN 37067 | Head of IPA, Platform Distribution and Planning |

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| | |
|:---|:---|
| Brian Sward<br>300 Innovation Drive<br>Franklin, TN 37067 | Head of Product Solutions |
| Ty Anderson<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Lisa Backens<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Mercedes Biretto<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Chris Bogren<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| J. Edward Branstetter, Jr.<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Robert Butler<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Chardae Hawley<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Yesenia Lankford<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Kristine Lowry<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President, FinOp & Controller |
| Dana R. Malesky Flegler<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Bob McAllister<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Brian Nicolarsen<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President, Divisional and HPW Sales Manager |
| Matt Ohme<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |

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| | |
|:---|:---|
| Joseph C. Pierce<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| David Russell<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Molly Stevens<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Jeremy Swartz<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Michelle Tidey<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Kendall Wetzel<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Darweshi Whitfield<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Ryan Lupton<br>300 Innovation Drive<br>Franklin, TN 37067 | Chief Compliance Officer |
| Kristan L. Richardson<br>1 Corporate Way<br>Lansing, MI 48951 | Secretary |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) ---

| | | | | |
|:---|:---|:---|:---|:---|
| Name of Principal Underwriter | Net Underwriting Discounts and Commissions | Compensation on Redemption | Brokerage Commissions | Compensation |
| Jackson National Life Distributors LLC | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

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**Item. 32. Location of Accounts and Records**

Jackson National Life Insurance Company

1 Corporate Way

Lansing, MI 48951

Jackson National Life Insurance Company

Institutional Marketing Group Service Center

1 Corporate Way

Lansing, MI 48951

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Jackson National Life Insurance Company

300 Innovation Drive

Franklin, TN 37067

Jackson National Life Insurance Company

225 West Wacker Drive, Suite 1200

Chicago, IL 60606

**Item. 33. Management Services**

Not Applicable.

**Item. 34. Fee Representations**

Jackson National Life Insurance Company represents that the fees and charges deducted under the contract, in the aggregate, are reasonable in relation to the services rendered, the expenses to be incurred, and the risks assumed by Jackson National Life Insurance Company.

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**SIGNATURES**

&nbsp;&nbsp;&nbsp;&nbsp;As required by the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets the requirements of Securities Act Rule 485(b) for effectiveness of this post-effective amendment to the Registration Statement and has caused this post-effective amendment to the Registration Statement to be signed on its behalf, in the City of Lansing, and State of Michigan on this 18th day of July, 2025.

Jackson National Separate Account - I

(Registrant)

Jackson National Life Insurance Company

By: <u>/s/ SCOTT J. GOLDE</u>&nbsp;&nbsp;&nbsp;&nbsp;

Scott J. Golde

Senior Vice President, General Counsel

Jackson National Life Insurance Company

(Depositor)

By: <u>/s/ SCOTT J. GOLDE</u>&nbsp;&nbsp;&nbsp;&nbsp;

Scott J. Golde

Senior Vice President, General Counsel

As required by the Securities Act of 1933, this post-effective amendment to the Registration Statement has been signed by the following persons in the capacities and on the dates indicated.

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| | |
|:---|:---|
| \* | July 18, 2025 |
| Laura L. Prieskorn, Chief Executive Officer and Director |  |
| \* | July 18, 2025 |
| Christopher A. Raub, President and Director |  |
| \* | July 18, 2025 |
| Don W. Cummings, Executive Vice President,<br>Chief Financial Officer, and Director |  |
| \* | July 18, 2025 |
| Craig A. Anderson, Senior Vice President and <br>Controller |  |

---

\* By: <u>/s/ SCOTT J. GOLDE</u>&nbsp;&nbsp;&nbsp;&nbsp;

Scott J. Golde, as Attorney-in-Fact,

pursuant to Power of Attorney filed herewith.

------

**POWER OF ATTORNEY**

KNOW ALL PERSONS BY THESE PRESENTS, that each of the undersigned as directors and/or officers of JACKSON NATIONAL LIFE INSURANCE COMPANY (Jackson), a Michigan corporation, hereby appoint Laura L. Prieskorn, Christopher A. Raub, Don W. Cummings, Carrie Chelko, Susan S. Rhee, and Scott J. Golde (each with power to act without the others) his/her attorney-in-fact and agent, with full power of substitution and resubstitution, for and in his/her name, place and stead, in any and all capacities, to sign applications, registration statements, reports, and other documents, and any and all amendments thereto, with power to affix the corporate seal and to attest it, and to file such applications, registration statements, reports, and other documents, and amendments thereto, with all exhibits and requirements, in accordance with the Securities Act of 1933, the Securities Exchange Act of 1934, and/or the Investment Company Act of 1940 and the rules and regulations thereunder of the Securities and Exchange Commission. This Power of Attorney concerns Jackson National Separate Account - I (File Nos. 033-82080, 333-70472, 333-73850, 333-118368, 333-119656, 333-132128, 333-136472, 333-155675, 333-172874, 333-172875, 333-172877, 333-175718, 333-175719, 333-176619, 333-178774, 333-183048, 333-183049, 333-183050, 333-192971, 333-210504, 333-212424, 333-217500, 333-217501, 333-226897, 333-228801, 333-228802, 333-235565, 333-235567, and 333-252333), Jackson National Separate Account III (File No. 333-41153), Jackson National Separate Account IV (File Nos. 333-108433 and 333-118131), Jackson National Separate Account V (File No. 333-70697), and Jackson National Life Insurance Company (File Nos. 333-285253, 333-285254, 333-285255, 333-285256, 333-283892, and 333-283747), as well as any future separate account(s) and/or future file number(s) that Jackson establishes through which securities, particularly variable annuity contracts, variable universal life insurance policies, registered index-linked annuity contracts, contingent deferred annuity contracts, or other registered annuity contracts are to be offered for sale. The undersigned grant to each attorney-in-fact and agent full authority to take all necessary actions to effectuate the above as fully, to all intents and purposes, as he/she could do in person, thereby ratifying and confirming all that said attorneys-in-fact and agents, or any one of them, may lawfully do or cause to be done by virtue hereof. This instrument may be executed in one or more counterparts.

IN WITNESS WHEREOF, the undersigned have executed this Power of Attorney effective as of the 14th day of April, 2025.

---

| |
|:---|
| <u>/s/ LAURA L. PRIESKORN</u> |
| Laura L. Prieskorn, Chief Executive Officer, Chair, and Director |

---

---

| |
|:---|
| <u>/s/ CHRISTOPHER A. RAUB</u> |
| Christopher A. Raub, President and Director |

---

---

| |
|:---|
| <u>/s/ DON W. CUMMINGS</u> |
| Don W. Cummings, Executive Vice President, Chief Financial Officer, and Director |

---

---

| |
|:---|
| <u>/s/ CRAIG A. ANDERSON</u> |
| Craig A. Anderson, Senior Vice President <br>and Controller |

---

------

**EXHIBIT LIST**

---

| | |
|:---|:---|
| Exhibit No. | Description |
| (k)(1) | Opinion and Consent of Counsel. |
| (l)(1) | Consent of Independent Registered Public Accounting Firm. |
| (o)(1) | Form of Initial Summary Prospectus. |
| 29 | Organizational Chart. |

---

## Ex-99.(K)(1)

![jnllogo-updatedjuly20211.jpg](jnllogo-updatedjuly20211.jpg)

July 18, 2025

Board of Directors

Jackson National Life Insurance Company

1 Corporate Way

Lansing, MI 48951

Re: Jackson National Life Insurance Company<br>Jackson National Separate Account - I<br>File Nos. 333-226897 and 811-08664

Directors:

You have requested our Opinion of Counsel in connection with the filing with the Securities and Exchange Commission of the Post-Effective Amendment No. 20 to the Registration Statement on Form N-4 for the Flexible Premium Variable Deferred Annuity Contracts (the "Contracts") to be issued by Jackson National Life Insurance Company and its separate account, Jackson National Separate Account - I.

We have made such examination of the law and have examined such records and documents as in our judgment are necessary or appropriate to enable us to render the opinions expressed below.

We are of the following opinions:

---

| | |
|:---|:---|
| 1 | Jackson National Separate Account - I is a Unit Investment Trust as that term is defined in Section 4(2) of the Investment Company Act of 1940 (the "Act"), and is currently registered with the Securities and Exchange Commission, pursuant to Section 8(a) of the Act. |
| 2 | Upon the acceptance of premiums made by an Owner pursuant to a Contract issued in accordance with the Prospectus contained in the Registration Statement and upon compliance with applicable law, such an Owner will have a legally issued, fully paid, non-assessable contractual interest under such Contract. |

---

You may use this opinion letter, or a copy thereof, as an exhibit to the Post-Effective Amendment No. 20 to the Registration Statement.

Very truly yours,

/s/ JENNIFER GRAU

Jennifer Grau

Senior Attorney,

Insurance Legal & Product Development

Jackson® is the marketing name for Jackson National Life Insurance Company® (Home Office: Lansing, Michigan) and Jackson National Life Insurance Company of New York® (Home Office: Purchase, New York).

## Ex-99.(L)(1)

![](jnlkpmgconsentscombined001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KPMG LLP Aon Center Suite 5500 200 E. Randolph Street Chicago, IL 60601-6436 KPMG LLP, a Delaware limited liability partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by guarantee. Consent of Independent Registered Public Accounting Firm We consent to the use of our report dated March 27, 2025, with respect to the financial statements of each of the Investment Divisions of Jackson National Separate Account I, incorporated herein by reference and to the reference to our firm under the heading "Services" in the Statement of Additional Information. /s/ KPMG LLP Chicago, Illinois July 17, 2025

------

![](jnlkpmgconsentscombined002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KPMG LLP Suite 600 350 N. 5th Street Minneapolis, MN 55401 KPMG LLP, a Delaware limited liability partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by guarantee. Consent of Independent Registered Public Accounting Firm We consent to the use of our report dated March 21, 2025, with respect to the financial statements of Jackson National Life Insurance Company, incorporated herein by reference, and to the reference to our firm under the heading "Services" in the Statement of Additional Information. /s/ KPMG LLP Minneapolis, Minnesota July 17, 2025

------

## Ex-99.(O)(1)

**SUMMARY PROSPECTUS FOR NEW INVESTORS**

**July 21, 2025**

**ELITE ACCESS ADVISORY II**<sup>®</sup>

**FLEXIBLE PREMIUM VARIABLE DEFERRED ANNUITY**

**Issued by**

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

**Jackson National Separate Account – I**

This summary prospectus summarizes key features of the Elite Access Advisory II<sup>®</sup> Contract.

Before you invest, you should review the prospectus for the Elite Access Advisory II<sup>®</sup> Contract, which contains more information about the Contract's features, benefits, and risks. You can find this document and other information about the Contract online at <u>www.jackson.com/product-literature-1.html</u>. You can also obtain this information at no cost by calling 1-800-644-4565 or by sending an email request to customercare@jackson.com.

You can sign up for electronic delivery of your summary prospectus, updates to the summary prospectus or other communications by logging into your account at <u>www.jackson.com</u>.

You may cancel your Contract within 10 days of delivery of the Contract. In some states, this cancellation period may be longer. Upon cancellation, you will receive either a full refund of the amount you paid with your application or your total Contract value. You should review the prospectus, or consult with your financial professional, for additional information about the specific cancellation terms that apply.

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

---

| | |
|:---|:---|
| **TABLE OF CONTENTS** | **TABLE OF CONTENTS** |
| [DEFINITIONS](#i762e4ed764d94d36a2477b902f51d6c4_7) | [1](#i762e4ed764d94d36a2477b902f51d6c4_7) |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#i762e4ed764d94d36a2477b902f51d6c4_10) | [2](#i762e4ed764d94d36a2477b902f51d6c4_10) |
| [OVERVIEW OF THE CONTRACT](#i762e4ed764d94d36a2477b902f51d6c4_13) | [4](#i762e4ed764d94d36a2477b902f51d6c4_13) |
| [BENEFITS AVAILABLE UNDER THE CONTRACT](#i762e4ed764d94d36a2477b902f51d6c4_16) | [5](#i762e4ed764d94d36a2477b902f51d6c4_16) |
| [BUYING THE CONTRACT](#i762e4ed764d94d36a2477b902f51d6c4_19) | [8](#i762e4ed764d94d36a2477b902f51d6c4_19) |
| [MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT](#i762e4ed764d94d36a2477b902f51d6c4_22) | [9](#i762e4ed764d94d36a2477b902f51d6c4_22) |
| [ADDITIONAL INFORMATION ABOUT FEES](#i762e4ed764d94d36a2477b902f51d6c4_25) | [10](#i762e4ed764d94d36a2477b902f51d6c4_25) |
| [APPENDIX A (FUNDS AVAILABLE UNDER THE CONTRACT)](#i762e4ed764d94d36a2477b902f51d6c4_28) | A-[1](#i762e4ed764d94d36a2477b902f51d6c4_28) |
| [BACK COVER PAGE](#i762e4ed764d94d36a2477b902f51d6c4_31) | B-[1](#i762e4ed764d94d36a2477b902f51d6c4_31) |

---

------

**DEFINITIONS**

**<u>Annuitant</u>** – the natural person on whose life annuity payments for this Contract are based. Any reference to the Annuitant includes any joint Annuitant.

**<u>Beneficiary</u>** – the natural person or legal entity designated to receive any Contract benefits upon the Owner's death. The Contract allows for the naming of multiple Beneficiaries.

**<u>Business Day</u>** – each day that the New York Stock Exchange is open for business.

**<u>Contract</u>** – the individual deferred variable annuity contract and any optional endorsements you may have selected.

**<u>Contract Anniversary</u>** - each one-year anniversary of the Contract's Issue Date.

**<u>Contract Monthly Anniversary</u>** – each one-month

anniversary of the Contract's Issue Date.

**<u>Contract Value</u>** – the sum of allocations to the Contract's Investment Divisions.

**<u>Contract Year</u>** – the succeeding twelve months from a Contract's Issue Date and every anniversary. The first Contract Year (Contract Year 0-1) starts on the Contract's Issue Date and extends to, but does not include, the first Contract Anniversary. Subsequent Contract Years start on an anniversary date and extend to, but do not include, the next anniversary date.

For example, if the Issue Date is January 15, 2026, then the end of Contract Year 0-1 would be January 14, 2027, and January 15, 2027, which is the first Contract Anniversary, begins Contract Year 1-2.

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

**<u>Good Order</u>** – when our administrative requirements, including all information, documentation and instructions deemed necessary by us, in our sole discretion, are met in order to issue a Contract or execute any requested transaction pursuant to the terms of the Contract.

**<u>Income Date</u>** – the date on which you begin receiving annuity payments.

**<u>Investment Division</u>** – one of multiple variable options of the Separate Account to allocate your Contract's value, each of which exclusively invests in a different available Fund.

**<u>Issue Date</u>** – the date your Contract is issued.

**<u>Jackson, JNL, we, our, or us</u>** – Jackson National Life Insurance Company. (We do not capitalize "we," "our," or "us" in the prospectus.)

**<u>Owner, you or your</u>** – the natural person or legal entity entitled to exercise all rights and privileges under the Contract. Any reference to the Owner includes any joint Owner.

**<u>Premium(s)</u>** – considerations paid into the Contract by or on behalf of the Owner.

**<u>Separate Account</u>** – Jackson National Separate Account – I. The Separate Account is divided into sub-accounts generally referred to as Investment Divisions.

------

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **LOCATION IN PROSPECTUS** |
| **Charges for Early Withdrawals** | None. | None. | None. | None. |  |
| **Transaction Charges** | You may be charged for certain transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. Under certain circumstances, you may elect to have advisory fees directly deducted from your Contract Value and automatically transmitted to your third party financial professional, subject to certain administrative rules. | You may be charged for certain transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. Under certain circumstances, you may elect to have advisory fees directly deducted from your Contract Value and automatically transmitted to your third party financial professional, subject to certain administrative rules. | You may be charged for certain transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. Under certain circumstances, you may elect to have advisory fees directly deducted from your Contract Value and automatically transmitted to your third party financial professional, subject to certain administrative rules. | You may be charged for certain transactions, such as when you transfer cash value between investment options more than 25 times a year, or if you request expedited delivery or wire transfer of funds. Under certain circumstances, you may elect to have advisory fees directly deducted from your Contract Value and automatically transmitted to your third party financial professional, subject to certain administrative rules. | **<u>Contract Charges- Monthly Contract Charge and Transfer Charge</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any advisory fees paid to third party financial professionals from your Contract Value or other assets. If such advisory fees were reflected, the fees and expenses disclosed below would be higher. | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any advisory fees paid to third party financial professionals from your Contract Value or other assets. If such advisory fees were reflected, the fees and expenses disclosed below would be higher. | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any advisory fees paid to third party financial professionals from your Contract Value or other assets. If such advisory fees were reflected, the fees and expenses disclosed below would be higher. | The table below describes the fees and expenses that you may pay *each year*, depending on the options you choose. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses disclosed below do not reflect any advisory fees paid to third party financial professionals from your Contract Value or other assets. If such advisory fees were reflected, the fees and expenses disclosed below would be higher. | **<u>Contract Charges- Add-On Benefit Expenses</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | &nbsp;&nbsp;&nbsp;&nbsp;**ANNUAL FEE** | **MINIMUM** | **MINIMUM** | **MAXIMUM** |  |
| **Ongoing Fees and Expenses**<br>(annual charges) | 1. Base Contract<sup>1</sup> | 0.11% | 0.11% | 0.11% | **<u>Contract Charges- Annual Contract Expenses: Monthly Contract Charge</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | 2. Investment options (Fund fees and expenses)<sup>2</sup> | 0.52% | 0.52% | 2.28% | **<u>Contract Charges- Fund Expenses</u>** |
| **Ongoing Fees and Expenses**<br>(annual charges) | 3. Optional benefits available for an additional charge (for a single optional benefit, if elected)<sup>3</sup> | See current Rate Sheet Prospectus Supplement | See current Rate Sheet Prospectus Supplement | See current Rate Sheet Prospectus Supplement | **<u>Contract Charges- Add-on Benefit Expenses: Death Benefit Charges</u>**<br>**<u>Rate Sheet Prospectus Supplement</u>** |
|  | 1.Charge is assessed as a $240 annual charge during the accumulation phase only and is deducted on each Contract Monthly Anniversary.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>. | 1.Charge is assessed as a $240 annual charge during the accumulation phase only and is deducted on each Contract Monthly Anniversary.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>. | 1.Charge is assessed as a $240 annual charge during the accumulation phase only and is deducted on each Contract Monthly Anniversary.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>. | 1.Charge is assessed as a $240 annual charge during the accumulation phase only and is deducted on each Contract Monthly Anniversary.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current minimum and maximum charges you would pay for a single optional benefit, if elected. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-1.html</u>. |  |
| Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. | Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. |
|  | &nbsp;&nbsp;**LOWEST ANNUAL COST:** <br>**See Current Rate Sheet Prospectus Supplement** | &nbsp;&nbsp;**LOWEST ANNUAL COST:** <br>**See Current Rate Sheet Prospectus Supplement** | **HIGHEST ANNUAL COST:** <br>**See Current Rate Sheet Prospectus Supplement** | **HIGHEST ANNUAL COST:** <br>**See Current Rate Sheet Prospectus Supplement** | **<u>Rate Sheet Prospectus Supplement</u>** |
|  | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Least expensive combination of Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No add-on benefits<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges <br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Least expensive combination of Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No add-on benefits<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges <br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Most expensive combination of add-on benefits and Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals  | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Most expensive combination of add-on benefits and Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals  |  |

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------

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| | | |
|:---|:---|:---|
| | **RISKS** | **Location in Prospectus** |
| **Risk of Loss** | You can lose money by investing in this Contract. | **<u>Principal Risks</u>** |
| **Not a<br>Short-Term Investment** | This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. The benefits of tax deferral also mean the Contract is more beneficial to investors with a long time horizon. | **<u>Principal Risks</u>** |
| **Risks Associated with 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 (Investment Divisions) 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. | **<u>Principal Risks</u>** |
| **Insurance Company Risks** | Any obligations, guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson. More information about Jackson is available upon request by visiting our website at <u>www.jackson.com</u> or by calling 1-800-644-4565. | **<u>Principal Risks</u>** |
|  | **RESTRICTIONS** |  |
| **Investments** | &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 25 times in a Contract Year.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Jackson may remove or substitute Funds as investment options available under the Contract.  | **<u>Principal Risks</u>** |
| **Optional Benefits** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not all add-on benefits are available through all broker-dealers and may vary by state or date of purchase.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We may modify or discontinue an add-on benefit at any time.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Under certain circumstances, you may elect to have the advisory fee directly deducted from your Contract Value and automatically transmitted to your third party financial professional, subject to certain administrative rules. If you elect to pay your advisory fees via direct deductions under our rules, these deductions will reduce the basic death benefit. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Certain add-on benefits may come with investment restrictions or allocation requirements. | **<u>Benefits Available Under the Contracts</u>** |
|  | **TAXES** |  |
| **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>Taxes</u>** |
|  | **CONFLICTS OF INTEREST** |  |
| **Investment<br>Professional<br>Compensation** | Your financial professional or other investment professionals may receive compensation for selling this Contract to you in the form of advisory fees, 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 Contracts</u>** |
| **Exchanges** | 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>Non-Qualified Contracts - 1035 Exchanges</u>** |

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**OVERVIEW OF THE CONTRACT**

**Q.&nbsp;&nbsp;&nbsp;&nbsp;What is this Contract, and what is it designed to do?**

A.&nbsp;&nbsp;&nbsp;&nbsp;The Elite Access Advisory II Contract is intended to help you save for retirement or another long-term investment purpose through investments in a variety of investment options during the accumulation phase. The Contract also offers death benefits to protect your designated Beneficiaries. Through the annuitization feature, the Contract can supplement your retirement income by providing a stream of income payments. The Contract also offers an optional living benefit that is designed to add a level of protection from market downturns in exchange for a fee and allocating a specific percentage of your Contract Value to the GMAB Fixed Account Option for a set period of time. This Contract may be appropriate if you have a long investment time horizon. It is not intended for people who may need to make early or frequent withdrawals or intend to engage in frequent trading in the Funds.

**Q.&nbsp;&nbsp;&nbsp;&nbsp;How do I accumulate assets in the Contract and receive income from the Contract?**

**A.&nbsp;&nbsp;&nbsp;&nbsp;**Your Contract has two phases:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the accumulation phase, when you make Premium payments to us, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the income phase, when we make income payments to you.

**Accumulation Phase**

During the accumulation phase, to help you accumulate assets, you can allocate your Premium payments to a variety of Investment Divisions. Each Investment Division invests in a corresponding (mutual fund) Fund, each of which has its own investment strategies, investment adviser(s), expense ratios, and returns.

**A list of Funds and additional information about the Funds in which the Investment Divisions currently invest is provided in Appendix A: Funds Available Under the Contract.**

**Income Phase**

You can elect to annuitize your Contract and turn your Contract Value into a stream of fixed and/or variable income payments from us. (Variable payments depend on the performance of the Investment Divisions.) Currently, we offer income options that provide payments for (i) the life of the Annuitant(s), (ii) a specified period, or (iii) a combination of life and a specified period. We may offer other options, at our discretion, where permitted by state law. At the Income Date, you can choose to receive fixed payments or variable payments.

Please note that if you annuitize, your Contract Value will be converted to income payments and you may no longer withdraw money at will from your Contract. All add-on benefits terminate when you begin taking income payments.

**Q.&nbsp;&nbsp;&nbsp;&nbsp;What are the Contract's primary features and options?**

**A.&nbsp;&nbsp;&nbsp;&nbsp;Accessing your money.** Until you annuitize, you have full access to your money. You can choose to withdraw your Contract Value at any time (although if you withdraw early, you may have to pay charges due under any optional endorsement and/or taxes, including tax penalties). Certain withdrawals could substantially reduce or even terminate the benefits available under the Contract.

**Tax treatment.** Your Premium payments accumulate on a tax-deferred basis. This means your earnings are not taxed until you take money out of your Contract, such as when (1) you make a withdrawal; (2) you receive an income payment from the Contract; or (3) upon payment of a death benefit.

**Death benefits.** Your Contract includes a Basic Death Benefit that will pay your designated Beneficiaries your Contract Value on the date we receive all required documentation from your Beneficiary. The basic death benefit is payable during the accumulation phase. You can purchase optional add-on death benefits under the Contract that provide additional death benefits for an additional fee. The add-on death benefits may increase the amount of money payable to your designated Beneficiaries upon your death.

**Add-on benefits that occur during your lifetime.** For an additional fee, you can purchase the Principal Guard Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB") that guarantees a minimum Contract Value at the end of a set

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period, regardless of the performance of the underlying investment options, subject to certain conditions. The Principal Guard GMAB requires a portion of your Contract Value be allocated to the GMAB Fixed Account Option for a set period of time, leaving you with less Contract Value to allocate to other Contract Options during that time period.

Some add-on benefits may provide significant incentives for not taking withdrawals. All add-on benefits terminate when you annuitize your Contract voluntarily or on the Latest Income Date. The Principal Guard GMAB terminates automatically at the end of the Guarantee Term unless re-elected.

**Rebalancing.** At no additional charge, you can arrange to have us automatically reallocate your Contract Value among Investment Divisions periodically to maintain your selected allocation percentages. Certain restrictions apply.

**Dollar Cost Averaging.** Alternately, at no additional charge, you may select Dollar Cost Averaging, which automatically transfers a dollar amount or percentage of money periodically into the Investment Divisions (each a "Designated Option") from any of the Investment Divisions (each a "Source Option").

**Earnings Sweep.** At no additional charge, you can choose to have your earnings transferred automatically on a monthly basis from the JNL/Dreyfus Government Money Market Investment Division into other Investment Divisions. Restrictions apply.

**Q.&nbsp;&nbsp;&nbsp;&nbsp;How is my Contract impacted by the deduction of advisory fees?**

**A.&nbsp;&nbsp;&nbsp;&nbsp;**The Contracts are available through third party financial professionals who charge an advisory fee for their services. This advisory fee is in addition to contract fees and expenses disclosed in this prospectus. Under certain circumstances, you may elect to have the advisory fee directly deducted from your Contract Value and automatically transmitted to your third party financial professional, subject to certain administrative rules. If you do elect to pay your advisory fees via direct deductions under our rules, we will not treat such deductions as withdrawals in two specific ways: (i) we will not report them as taxable distributions under your Contract; and (ii) any such deduction will not trigger a reduction in the value of any eligible add-on benefit you elected. It is important to note that deductions to pay advisory fees will always reduce the basic death benefit and your Contract Value on a dollar-for dollar basis, and they are otherwise subject to all contractual provisions and other restrictions and penalties, including minimum withdrawal requirements.

If you make a withdrawal to pay advisory fees without setting up direct deductions under our administrative rules (including the Add-On Benefit Advisory Fee Withdrawal Program, if applicable), your withdrawal will be treated as a standard partial withdrawal under the Contract. This means, in addition to your Contract Value and basic death benefit being reduced, we will reduce the value of any elected add-on benefit(s), and any such withdrawal will be subject to any applicable taxes and tax penalties.

Please note that the direct deduction of advisory fees, even under our rules (including the Add-On Benefit Advisory Fee Withdrawal Program) may negatively impact the add-on Earnings Protection Benefit ("EarningsMax") by reducing the amount of earnings available for use under the benefit.

**BENEFITS AVAILABLE UNDER THE CONTRACTS**

**Basic Death Benefit (automatically included with the Contract)**

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **MAXIMUM FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **Basic Death Benefit** | Guarantees your Beneficiaries will receive a benefit of at least your Contract Value on the date Jackson receives all required documentation from your Beneficiary. | No additional charge | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals could significantly reduce the benefit.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Benefit terminates on annuitization.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Payment of advisory fees via direct deduction from Contract Value could significantly reduce the benefit. |

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**Add-On Death Benefits Available For a Fee**

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **MAXIMUM FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **EarningsMax** | Increases the amount of the death benefit payable at your death based on a percentage of Contract earnings, which may help offset state and federal taxes due at the time of your death.  | Maximum: 0.70%<br>(as an annualized percentage of the average daily Contract Value in the Investment Divisions) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available only at Contract issue.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The benefit cannot be terminated.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available to owners age 75 or younger.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subject to maximum benefit.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On each fifth Contract Anniversary, the Guaranteed Minimum Death Benefit ("GMDB") charge may be increased.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• No benefit will be paid if (i) there are no earnings in your contract, or (ii) your spouse exercises the Spousal Continuation Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Fixed Account Options are not available if you elect EarningsMax.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Payment of advisory fees via direct deduction under our rules (including the Add-On Benefit Advisory Fee Withdrawal Program) may reduce the amount of earnings available under this benefit. |
| **Return of Premium Guaranteed Minimum Death Benefit** | Changes your basic death benefit during the accumulation phase of your Contract to the greater of: (i) Contract Value as of the end of the Business Day on which we receive all required documentation from your Beneficiary; or (ii) all Premiums paid into the Contract (net of any applicable premium taxes and charges), reduced for withdrawals (including any applicable adjustments) in proportion to the reduction in the Contract Value at the time of the withdrawal. | Maximum: 0.40%<br>(as a percentage of benefit base) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals may significantly reduce the value of this Return of Premium Death Benefit.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Withdrawals may reduce the value of this benefit by more than the dollar amount of the withdrawal.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The deduction of advisory fees from Contract Value under the Add-On Benefit Advisory Fee Withdrawal Program will be capped at 1.25% of Contract Value annually. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Because deductions to pay advisory fees reduce your Contract Value, they may also negatively impact your Return of Premium Death Benefit, which is equal to the greater of Contract Value or Premiums paid.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• On each fifth Contract Anniversary, the GMDB charge may be increased.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Ownership changes are allowed, but Covered Lives cannot be changed. |

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**Add-On Living Benefit Available For a Fee.**

The current annual charges for the add-on benefits are disclosed in a Rate Sheet Prospectus Supplement. To obtain a copy, please visit <u>www.jackson.com/product-literature-1.html</u>.

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **Principal Guard GMAB** | Provides downside principal protection alongside growth opportunities by providing a Guaranteed Value at the end of a Guarantee Term, regardless of market performance. | Maximum: 3.00% <br>(as a percentage of benefit base) | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available to Owners age 85 or younger.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Additional premium restricted during the Guarantee Term (beginning on day 91 after the Issue Date). <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Automatically terminates at end of Guarantee Term unless re-elected pursuant to specified timing requirements.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subsequent elections of this benefit will be assigned rates applicable to new elections at that time, which may be higher or lower than subsequent elections of the benefit.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not available on Contracts with EarningsMax.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not available on Stretch Contracts or on Contracts where a Death Benefit payout option has been elected by a beneficiary.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with DCA or Earnings Sweep.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Automatic Rebalancing will not be available to or from the GMAB Fixed Account Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Election of this add-on benefit requires you to allocate a set percentage of Contract Value to the GMAB Fixed Account Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Terminates when you annuitize.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Cannot be canceled independent of the Contract (except upon spousal continuation).<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The deduction of advisory fees from Contract Value under the Add-On Benefit Advisory Fee Withdrawal Program will be capped at 1.25% of Contract Value annually.  |

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**Other Add-On Benefits Included With All Contracts At No Additional Cost**

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| | | | |
|:---|:---|:---|:---|
| **NAME OF BENEFIT** | **PURPOSE** | **MAXIMUM FEE** | **BRIEF DESCRIPTION OF RESTRICTIONS/LIMITATIONS** |
| **Rebalancing** | Automatically reallocates your Contract Value among Investment Divisions periodically to maintain your selected allocation percentages. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• You may cancel your Rebalancing program using whatever methods you use to change your allocation instructions.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |
| **Dollar Cost Averaging** | Automatically transfers a dollar amount or percentage of money periodically transferred automatically into the Investment Divisions (each a "Designated Option") from any of the Investment Divisions (each a "Source Option"). |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Transfers from the more volatile Investment Divisions may not result in lower average costs and such Investment Divisions may not be an appropriate source of dollar cost averaging transfers in volatile markets.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |
| **Earnings Sweep** | Allows you to choose to move your earnings on a monthly basis from the JNL/Dreyfus Government Money Market Investment Division into other Investment Divisions. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• May only be added within 30 days of the issue date of your Contract.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• You may cancel your Earnings Sweep program using whatever methods you use to change your allocation instructions.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• GMAB Fixed Account Option is not available as a source or target option in connection with this benefit. |

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**BUYING THE CONTRACT** 

**Q. How do I purchase the Elite Access Advisory II**<sup>®</sup> **Contract?**

A. To purchase a Contract, you must complete an application. Your financial professional will submit your application, along with your initial Premium payment, to us. Acceptance of applications is subject to Jackson's rules. We reserve the right to reject any application or initial Premium payment.

**Q. How much can I contribute and how are my Premium payments invested?** 

A. You may allocate Premium payments in the available Investment Divisions.

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| | | |
|:---|:---|:---|
| | **NON-QUALIFIED CONTRACTS** | **QUALIFIED CONTRACTS** |
| **Minimum Initial Premium** | $25,000<br>(under most circumstances) | $25,000<br>(under most circumstances) |
| **Minimum Subsequent Premiums** | $500<br>($50 for auto payment plan) | $500<br>($50 for auto payment plan) |
| **Maximum Total Premiums** | $1,000,000 (without prior approval)<br>Jackson reserves the right to lower the maximum. | $1,000,000 (without prior approval)<br>Jackson reserves the right to lower the maximum. |

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You can pay additional Premiums at any time during the accumulation phase unless a specific add-on benefit or feature provides limitations. We can limit, restrict, suspend or reject any Premium payments for any reason.

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**Q. When will my Premium payments be credited to my account?** 

A. We will issue your Contract and allocate your first Premium within two Business Days (days when the New York Stock Exchange is open) after we receive your first Premium and all information that we require for the purchase of a Contract. If we do not receive all of the information that we require, we will contact you to get the necessary information. If for some reason we are unable to complete this process within five Business Days, we will return your money.

Subsequent Premium payments should be sent to one of the following addresses**:**

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| | |
|:---|:---|
| **Regular Mail**<br>P.O. Box 24068, Lansing, Michigan 48909-4068 | **Express Mail**<br>1 Corporate Way, Lansing, Michigan 48951 |

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Subsequent Premiums are allocated on the Business Day that the Premium is received. Each Business Day ends when the New York Stock Exchange closes (usually 4:00 p.m. Eastern time).

**MAKING WITHDRAWALS: ACCESSING THE MONEY IN YOUR CONTRACT** 

**Q.&nbsp;&nbsp;&nbsp;&nbsp;Can I access the money in my account during the accumulation phase?**

A.&nbsp;&nbsp;&nbsp;&nbsp;Until you annuitize, you have full access to your money. You can choose to withdraw your Contract Value at any time (although if you withdraw early, you may have to pay a monthly contract charge, charges due under any add-on benefit, and/or taxes, including tax penalties).

You can have access to the money in your Contract by making a partial or total withdrawal or by electing the Systematic Withdrawal Program. Withdrawals will reduce the Contract Value of your Contract (including the amount of the death benefit). However, withdrawing the Contract Value of your Contract below a certain level will terminate your Contract.

Certain benefits may limit withdrawals under the Contract. Certain withdrawals could substantially reduce or even terminate the benefits available under the Contract.

**Q.&nbsp;&nbsp;&nbsp;&nbsp;Are there limitations and consequences associated with taking money out of my Contract during the accumulation phase?**

A.&nbsp;&nbsp;&nbsp;&nbsp;Yes. These limitations and consequences include:

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| | |
|:---|:---|
| **Limitations on withdrawal amounts** | The minimum withdrawal amount is the lesser of $500 or, if less, the entire amount in the applicable Investment Division. The minimum withdrawal is $50 under the Systematic Withdrawal Program. |
| **Charges and taxes** | As described above, when you take out money, there may be a monthly contract charge, charges due under any add-on benefit, and applicable taxes. |
| **Negative impact of withdrawal on benefits and guarantees of your Contract** | A withdrawal may have a negative impact on certain standard benefits or add-on benefits that you may elect. It may reduce the value of or even terminate certain benefits. |

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**Q.&nbsp;&nbsp;&nbsp;&nbsp;What is the process to request a withdrawal of money from my Contract?** 

A.&nbsp;&nbsp;&nbsp;&nbsp;You can request a withdrawal from the Contract at any time before the Income Date. To request a partial or total withdrawal, you can send a written request in Good Order to one of the following addresses:

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| | |
|:---|:---|
| **Regular Mail**<br>P.O. Box 24068, Lansing, Michigan 48909-4068 | **Express Mail**<br>1 Corporate Way, Lansing, Michigan 48951 |

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Generally, for partial or total withdrawal requests received in Good Order before the end of the Business Day, we will process your request that day. If we receive your request in Good Order after the close of the end of the Business Day, your request will be processed the next Business Day. Generally, Jackson will pay the withdrawal proceeds within seven days of a request in Good Order.

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**Q.&nbsp;&nbsp;&nbsp;&nbsp;Can I access the money in my account during the income phase?**

A.&nbsp;&nbsp;&nbsp;&nbsp;The income phase of your Contract occurs when you begin receiving regular income payments from us. You can choose an income option and the date income payments begin (subject to a maximum age). All of the Contract Value must be annuitized. If you annuitize, you may no longer withdraw money at will from your Contract. However, under income options with a specified period, the Beneficiary may request a lump sum payment subject to a commutation fee.

**ADDITIONAL INFORMATION ABOUT FEES** 

The following tables describe the fees and expenses that you will pay when buying, owning, and making partial or total withdrawals from the Contract. Please refer to your Contract Data Pages for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the Contract, make a partial or total withdrawal from the Contract, or transfer Contract Value between investment options. State premium taxes may also be deducted.

**<u>Transaction Expenses</u>**

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| | | |
|:---|:---|:---|
| Maximum Withdrawal Charge |  |  |
| Transfer Charge (per transfer after 25 in a Contract Year) |  | &nbsp;&nbsp;&nbsp;$25 |
| Premium Taxes (Percentage of each Premium)<sup>1</sup> | &nbsp;&nbsp;&nbsp;Minimum | &nbsp;&nbsp;0.0% |
| Premium Taxes (Percentage of each Premium)<sup>1</sup> | Maximum | &nbsp;&nbsp;&nbsp;3.5% |
| Expedited Delivery Charge<sup>2</sup> |  | &nbsp;&nbsp;&nbsp;$22.50 |
| Wire Transfers (for withdrawals)<sup>3</sup> |  | &nbsp;&nbsp;&nbsp;$25 |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>1.</sup> Premium taxes generally range from 0.0% to 3.5% and vary by state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>2.</sup> Between Monday and Friday, the Expedited Delivery Charge is $10. On Saturday, the Expedited Delivery Charge is $22.50.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>3.</sup> Standard wire fees are $20, however, international wire fees are $25.

The next table describes the fees and expenses that you will pay periodically during the time that you own the Contract, not including the Funds' fees and expenses.

**<u>Annual Contract Expenses</u>**

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| | |
|:---|:---|
| **Base Contract Charges** | **Maximum**<br>**<u>Charge</u>** |
| Monthly Contract Charge<sup>1</sup> | &nbsp;&nbsp;$240 |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>1.</sup><sup>&nbsp;&nbsp;&nbsp;&nbsp;</sup>This charge is deducted on each Contract Monthly Anniversary as a monthly charge of $20. This charge is waived on Contract Value of $250,000 or more for contracts issued on or after October 21, 2024. If your Contract Value subsequently drops below $250,000 on the most recent Contract Quarterly Anniversary, the charge will be reinstated to $20 monthly.

The next table describes the maximum charges that you will pay each year if you choose to purchase an add-on benefit.

**<u>Add-On Benefit Expenses</u>**

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| | |
|:---|:---|
| **Optional Benefit Charges** | |
| **Add-On Benefit Charges <br>(% of average daily account value of Investment Divisions)** | **Maximum**<br>**<u>Charge</u>** |
| Earnings Protection Benefit ("EarningsMax") | 0.70% |
| **Add-On Benefit Charge <br>(% of benefit base)** | **Maximum**<br>**<u>Charge</u>** |
| Guaranteed Minimum Accumulation Benefit ("Principal Guard GMAB") | 3.00% |
| **Add-On Death Benefit Charge<br>(% of average daily account value of Investment Divisions)** | **Maximum**<br>**<u>Charge</u>** |
| Return of Premium Guaranteed Minimum Death Benefit Charge | 0.40% |

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The next table shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract (before any fee waiver or expense reimbursement). The expenses are expressed as a percentage of average net assets of the Funds and may be higher or lower in the future. A complete list of Funds available under the Contract, including their annual expenses, may be found in Appendix A.

**<u>Annual Fund Expenses</u>**

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| | | |
|:---|:---|:---|
| | **Minimum** | **Maximum** |
| Expenses that are deducted from the Fund assets, including management and administration fees, distribution and/or service (12b-1) fees, and other expenses as of December 31, 2021. | &nbsp;&nbsp;0.52% | &nbsp;&nbsp;2.28% |

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**EXAMPLE**

The table below is intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. These costs include transaction expenses, annual Contract expenses and annual Fund expenses. The Example assumes that you invest $100,000 in the Contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year, and assumes the most expensive combination of annual Fund expenses and add-on benefits available for an additional charge (using the maximum possible charge). The Example does not include any advisory fees paid to third party financial professionals from Contract Value or other assets of the Owner. If such advisory fees were reflected, costs would be higher. Although your actual costs may be higher or lower, based on these assumptions your costs would be:

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you take a total withdrawal of your Contract Value at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you annuitize at the end of the applicable time period** | **If you do <u>not</u> take a total withdrawal of your Contract Value** | **If you do <u>not</u> take a total withdrawal of your Contract Value** | **If you do <u>not</u> take a total withdrawal of your Contract Value** | **If you do <u>not</u> take a total withdrawal of your Contract Value** |
| **1 Year** | **3 Years** | **5 Years** | **10 Years** | **1 Year\*** | **3 Years** | **5 Years** | **10 Years** | **1 Year** | **3 Years** | **5 Years** | **10 Years** |
| $5764 | $17134 | $28298 | $55302 | $5764 | $17134 | $28298 | $55302 | $5764 | $17134 | $28298 | $55302 |

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\*Please note, although we show this cost for comparison purposes, the earliest you can annuitize this Contract is one year after the Contract's Issue Date.

**The example does not represent past or future expenses. Your actual costs may be higher or lower.**

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**APPENDIX A**

**FUNDS AVAILABLE UNDER THE CONTRACT**

The following is a list of Funds (all 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 <u>www.jackson.com/fund-literature.html</u>. 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.

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*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>) | 0.90%<sup>2</sup> | 16.05% | 7.93% | 7.41% |
| Fixed Income | **JNL/American Funds Bond Fund of America Fund**<sup>1</sup> |  |  |  |  |
| Fixed Income | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.83%<sup>2</sup> | 0.87% | N/A | N/A |
| Allocation | **JNL/American Funds Capital Income Builder Fund**<sup>1</sup> |  |  |  |  |
| Allocation | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.96%<sup>2</sup> | 9.77% | 5.58% | N/A |
| Fixed Income | **JNL/American Funds Capital World Bond Fund**<sup>1</sup> |  |  |  |  |
| Fixed Income | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 1.05%<sup>2</sup> | (3.34)% | (2.73)% | (0.39)% |
| International/Global Equity | **JNL/American Funds Global Growth Fund**<sup>1</sup> |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 1.06%<sup>2</sup> | 13.23% | 9.37% | 10.40% |
| International/Global Equity | **JNL/American Funds Global Small Capitalization Fund**<sup>1</sup> |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 1.23%<sup>2</sup> | 2.05% | 2.67% | 5.47% |
| U.S. Equity | **JNL/American Funds Growth Fund**<sup>1</sup> |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.91%<sup>2</sup> | 31.26% | 18.46% | 16.19% |
| 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>) | 0.91%<sup>2</sup> | 23.75% | 12.59% | 11.77% |
| International/Global Equity | **JNL/American Funds International Fund**<sup>1</sup> |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 1.17%<sup>2</sup> | 2.74% | 0.84% | 3.61% |
| International/Global Equity | **JNL/American Funds New World Fund**<sup>1</sup> |  |  |  |  |
| International/Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 1.26%<sup>2</sup> | 6.09% | 4.08% | 5.78% |
| 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>) | 0.91%<sup>2</sup> | 18.64% | 11.76% | 9.86% |
| Alternative | **JNL Multi-Manager Alternative Fund** |  |  |  |  |
| Alternative | (Boston Partners Global Investors, Inc.; DoubleLine Capital LP; First Pacific Advisors, LP; Kayne Anderson Rudnick Investment Management, LLC; Lazard Asset Management LLC; Loomis, Sayles & Company, L.P.; and Westchester Capital Management, LLC) | 2.22%<sup>2</sup> | 9.59% | 3.85% | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| International/Global Equity | **JNL Multi-Manager Emerging Markets Equity Fund** |  |  |  |  |
| International/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); and WCM Investment Management, LLC) | 1.23% | 4.58% | (0.98)% | 1.34% |
| Fixed Income | **JNL Multi-Manager Floating Rate Income Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.; FIAM LLC) | 0.93% | 8.13% | 3.98% | 3.77% |
| International/Global Equity | **JNL Multi-Manager International Small Cap Fund** |  |  |  |  |
| International/Global Equity | (Baillie Gifford Overseas Limited; Causeway Capital Management LLC; and WCM Investment Management, LLC) | 1.22% | 4.98% | 6.45% | N/A |
| U.S. Equity | **JNL Multi-Manager Mid Cap Fund** |  |  |  |  |
| U.S. Equity | (Champlain Investment Partners, LLC; Kayne Anderson Rudnick Investment Management, LLC; Nuance Investments, LLC; River Road Asset Management, LLC; and Victory Capital Management Inc.) | 1.09% | 6.97% | 7.39% | 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; Victory Capital Management Inc.; and WCM Investment Management, LLC) | 0.98% | 9.66% | 5.79% | 8.50% |
| 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; and WCM Investment Management, LLC) | 1.09% | 9.46% | 8.63% | 7.24% |
| U.S. Equity | **JNL Multi-Manager U.S. Select Equity Fund** |  |  |  |  |
| U.S. Equity | (GQG Partners, LLC; WCM Investment Management, LLC) | 0.98% | 35.25% | N/A | N/A |
| Allocation | **JNL Moderate ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.82% | 6.79% | 3.53% | 4.27% |
| Allocation | **JNL Moderate Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.82% | 9.10% | 5.26% | 5.79% |
| Allocation | **JNL Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.83% | 11.26% | 6.76% | 7.10% |
| Allocation | **JNL/American Funds Moderate Allocation Fund** |  |  |  |  |
| Allocation |  | 0.97% | N/A | N/A | N/A |
| Allocation | **JNL/American Funds Moderate Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 0.98% | 9.66% | 5.91% | 6.47% |
| Allocation | **JNL/American Funds Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 0.99% | 12.80% | 7.80% | 8.26% |
| International/Global Equity | **JNL/AB Sustainable Global Thematic Fund** |  |  |  |  |
| International/Global Equity | (AllianceBernstein L.P.) | 1.21% | 6.11% | N/A | N/A |
| U.S. Equity | **JNL/AQR Large Cap Defensive Style Fund** |  |  |  |  |
| U.S. Equity | (AQR Capital Management, LLC) | 0.86% | 15.32% | 9.71% | N/A |
| Allocation | **JNL/BlackRock Global Allocation Fund** |  |  |  |  |
| Allocation | (BlackRock Investment Management, LLC; Sub-Sub-Adviser BlackRock International Limited; Sub-Sub-Adviser BlackRock (Singapore) Limited) | 1.06% | 9.38% | 6.10% | 5.49% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Alternative | **JNL/BlackRock Global Natural Resources Fund** |  |  |  |  |
| Alternative | (BlackRock International Limited) | 0.99% | (3.58)% | 8.74% | 3.07% |
| U.S. Equity | **JNL/BlackRock Large Cap Select Growth Fund** |  |  |  |  |
| U.S. Equity | (BlackRock Investment Management, LLC) | 0.83%<sup>2</sup> | 31.48% | 15.31% | 14.63% |
| International/Global Equity | **JNL/Causeway International Value Select Fund** |  |  |  |  |
| International/Global Equity | (Causeway Capital Management LLC) | 0.97% | 4.49% | 7.45% | 5.71% |
| U.S. Equity | **JNL/ClearBridge Large Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (ClearBridge Investments, LLC) | 0.93% | 27.55% | 14.50% | N/A |
| Sector Equity | **JNL/Cohen & Steers U.S. Realty Fund** |  |  |  |  |
| Sector Equity | (Cohen & Steers Capital Management, Inc.) | 1.03% | 4.46% | 3.28% | N/A |
| International/Global Equity | **JNL/DFA International Core Equity Fund** |  |  |  |  |
| International/Global Equity | (Dimensional Fund Advisors LP) | 0.90% | 3.94% | 4.70% | N/A |
| U.S. Equity | **JNL/DFA U.S. Core Equity Fund** |  |  |  |  |
| U.S. Equity | (Dimensional Fund Advisors LP) | 0.80% | 20.40% | 12.80% | 11.35% |
| U.S. Equity | **JNL/DFA U.S. Small Cap Fund** |  |  |  |  |
| U.S. Equity | (Dimensional Fund Advisors LP) | 0.98% | 9.24% | 9.67% | 8.24% |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Core Fixed Income Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 0.78% | 2.29% | (0.32)% | 1.39% |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Emerging Markets Fixed Income Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 1.08% | 6.82% | 0.62% | N/A |
| U.S. Equity | **JNL/DoubleLine**<sup>®</sup> **Shiller Enhanced CAPE**<sup>®</sup> **Fund** |  |  |  |  |
| U.S. Equity | (DoubleLine Capital LP) | 0.98% | 13.06% | 9.44% | N/A |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Total Return Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 0.83% | 2.56% | (0.85)% | 1.07% |
| Fixed Income | **JNL/Dreyfus Government Money Market Fund** |  |  |  |  |
| Fixed Income | (Mellon Investments Corporation) | 0.56% | 4.77% | 2.04% | 1.29% |
| Fixed Income | **JNL/Fidelity Institutional Asset Management**<sup>®</sup> **Total Bond Fund** |  |  |  |  |
| Fixed Income | (FIAM LLC) | 0.79% | 1.76% | 0.23% | 1.39% |
| Alternative | **JNL/First Sentier Global Infrastructure Fund** |  |  |  |  |
| Alternative | (First Sentier Investors (Australia) IM Ltd) | 1.14% | 5.64% | 2.55% | 3.11% |
| Allocation | **JNL/Franklin Templeton Income Fund** |  |  |  |  |
| Allocation | (Franklin Advisers, Inc.) | 0.92% | 6.38% | 4.95% | 5.09% |
| U.S. Equity | **JNL/Goldman Sachs 4 Fund** |  |  |  |  |
| U.S. Equity | (Goldman Sachs Asset Management, L.P.) | 0.70% | 19.21% | 11.46% | 9.31% |
| International/Global Equity | **JNL/GQG Emerging Markets Equity Fund** |  |  |  |  |
| International/Global Equity | (GQG Partners LLC) | 1.33% | 5.03% | 6.59% | N/A |
| U.S. Equity | **JNL/Invesco Diversified Dividend Fund** |  |  |  |  |
| U.S. Equity | (Invesco Advisers, Inc.) | 0.98% | 12.59% | 7.42% | N/A |
| International/Global Equity | **JNL/Invesco Global Growth Fund** |  |  |  |  |
| International/Global Equity | (Invesco Advisers, Inc.) | 0.97% | 15.83% | 9.33% | 9.68% |
| U.S. Equity | **JNL/Invesco Small Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (Invesco Advisers, Inc.) | 1.04% | 16.72% | 7.29% | 8.20% |
| Allocation | **JNL/JPMorgan Global Allocation Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.06%<sup>2</sup> | 8.36% | 3.76% | 4.35% |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Alternative | **JNL/JPMorgan Hedged Equity Fund** |  |  |  |  |
| Alternative | (J.P. Morgan Investment Management Inc.) | 0.96% | 17.86% | 9.92% | N/A |
| U.S. Equity | **JNL/JPMorgan MidCap Growth Fund** |  |  |  |  |
| U.S. Equity | (J.P. Morgan Investment Management Inc.) | 0.89% | 14.12% | 10.99% | 11.61% |
| Alternative | **JNL/JPMorgan Nasdaq**<sup>®</sup> **Hedged Equity Fund** |  |  |  |  |
| Alternative | (J.P. Morgan Investment Management Inc.) | 1.00% | N/A | N/A | N/A |
| Fixed Income | **JNL/JPMorgan U.S. Government & Quality Bond Fund** |  |  |  |  |
| Fixed Income | (J.P. Morgan Investment Management Inc.) | 0.70% | 1.15% | (0.52)% | 0.85% |
| U.S. Equity | **JNL/JPMorgan U.S. Value Fund** |  |  |  |  |
| U.S. Equity | (J.P. Morgan Investment Management Inc.) | 0.88% | 14.72% | 8.26% | 7.09% |
| International/Global Equity | **JNL/Lazard International Quality Growth Fund** |  |  |  |  |
| International/Global Equity | (Lazard Asset Management LLC) | 1.06% | 0.59% | 3.17% | 4.98% |
| International/Global Equity | **JNL/Loomis Sayles Global Growth Fund** |  |  |  |  |
| International/Global Equity | (Loomis, Sayles & Company, L.P.) | 1.00% | 22.45% | 11.90% | N/A |
| Fixed Income | **JNL/Lord Abbett Short Duration Income Fund** |  |  |  |  |
| Fixed Income | (Lord, Abbett & Co. LLC) | 0.80% | 5.10% | N/A | N/A |
| U.S. Equity | **JNL/Mellon Dow**<sup>SM</sup> **Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.65% | 14.21% | 9.82% | 10.86% |
| International/Global Equity | **JNL/Mellon Emerging Markets Index Fund**<sup>3</sup> |  |  |  |  |
| International/Global Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.77%<sup>2</sup> | 5.56% | 1.10% | 2.97% |
| International/Global Equity | **JNL/Mellon World Index Fund** |  |  |  |  |
| International/Global Equity | (Mellon Investments Corporation) | 0.65% | 18.04% | 10.82% | 8.72% |
| U.S. Equity | **JNL/Mellon Nasdaq**<sup>®</sup> **100 Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.64% | 25.09% | 19.43% | 17.07% |
| U.S. Equity | **JNL/Mellon S&P 500 Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.52% | 24.39% | 13.95% | 12.53% |
| 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) | 0.56%<sup>2</sup> | 13.34% | 9.74% | 9.10% |
| 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) | 0.56%<sup>2</sup> | 8.03% | 7.78% | 8.18% |
| International/Global Equity | **JNL/Mellon International Index Fund**<sup>3</sup> |  |  |  |  |
| International/Global Equity | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.61%<sup>2</sup> | 2.92% | 4.25% | 4.83% |
| Fixed Income | **JNL/Mellon Bond Index Fund**<sup>3</sup> |  |  |  |  |
| Fixed Income | (Investment Sub-Adviser to the Master Fund: Mellon Investments Corporation) | 0.57%<sup>2</sup> | 0.70% | (0.88)% | 0.74% |
| U.S. Equity | **JNL/Mellon U.S. Stock Market Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.61% | 23.39% | 13.36% | N/A |
| Sector Equity | **JNL/Mellon Communication Services Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.65% | 38.44% | 12.56% | 10.95% |
| Sector Equity | **JNL/Mellon Consumer Discretionary Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.64% | 24.70% | 14.81% | 13.12% |
| Sector Equity | **JNL/Mellon Consumer Staples Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.65% | 13.52% | 7.48% | N/A |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Sector Equity | **JNL/Mellon Energy Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.64% | 5.96% | 11.60% | 3.55% |
| Sector Equity | **JNL/Mellon Financial Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.64% | 30.37% | 10.52% | 10.55% |
| Sector Equity | **JNL/Mellon Healthcare Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.63% | 2.02% | 6.65% | 8.25% |
| Sector Equity | **JNL/Mellon Industrials Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.66% | 15.72% | 11.74% | N/A |
| Sector Equity | **JNL/Mellon Information Technology Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.61% | 35.27% | 22.98% | 20.88% |
| Sector Equity | **JNL/Mellon Materials Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.67% | (2.32)% | 8.44% | N/A |
| Sector Equity | **JNL/Mellon Real Estate Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.66% | 4.34% | 2.37% | N/A |
| Sector Equity | **JNL/Mellon Utilities Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.65% | 25.69% | 6.20% | 7.94% |
| U.S. Equity | **JNL/MFS Mid Cap Value Fund** |  |  |  |  |
| U.S. Equity | (Massachusetts Financial Services Company (d/b/a MFS Investment Management)) | 0.95% | 13.91% | 9.55% | 7.87% |
| Alternative | **JNL/Morningstar PitchBook Listed Private Equity Index Fund** |  |  |  |  |
| Alternative | (Mellon Investments Corporation) | 0.81% | 21.11% | N/A | N/A |
| U.S. Equity | **JNL/Morningstar SMID Moat Focus Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.76% | N/A | N/A | N/A |
| U.S. Equity | **JNL/Morningstar U.S. Sustainability Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.71% | 20.44% | 13.82% | N/A |
| U.S. Equity | **JNL/Morningstar Wide Moat Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.75% | 10.51% | 12.12% | N/A |
| Alternative | **JNL/Neuberger Berman Commodity Strategy Fund** |  |  |  |  |
| Alternative | (Neuberger Berman Investment Advisers LLC) | 0.93% | 6.27% | 8.77% | 3.14% |
| Alternative | **JNL/Neuberger Berman Gold Plus Strategy Fund** |  |  |  |  |
| Alternative | (Neuberger Berman Investment Advisers LLC) | 1.23% | 24.86% | N/A | N/A |
| Fixed Income | **JNL/Neuberger Berman Strategic Income Fund** |  |  |  |  |
| Fixed Income | (Neuberger Berman Investment Advisers LLC) | 0.94% | 5.53% | 2.56% | 3.05% |
| U.S. Equity | **JNL/Newton Equity Income Fund** |  |  |  |  |
| U.S. Equity | (Newton Investment Management North America, LLC) | 0.87% | 17.04% | 12.77% | 11.07% |
| Fixed Income | **JNL/PIMCO Income Fund** |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | 1.15% | 4.63% | 2.24% | N/A |
| Fixed Income | **JNL/PIMCO Investment Grade Credit Bond Fund** |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | 1.16% | 2.75% | 0.08% | 2.35% |
| Fixed Income | **JNL/PIMCO Real Return Fund** |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | 1.34% | 2.04% | 1.91% | 2.04% |
| Fixed Income | **JNL/PPM America High Yield Bond Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | 0.75% | 7.93% | 3.63% | 4.27% |
| Fixed Income | **JNL/PPM America Investment Grade Credit Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | 0.83% | N/A | N/A | N/A |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*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/PPM America Total Return Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | 0.79% | 2.06% | 0.31% | 1.87% |
| U.S. Equity | **JNL/RAFI**<sup>®</sup> **Fundamental U.S. Small Cap Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.67% | 10.72% | 9.56% | 5.60% |
| U.S. Equity | **JNL/RAFI**<sup>®</sup> **Multi-Factor U.S. Equity Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.67% | 18.64% | 11.19% | 8.84% |
| Allocation | **JNL/T. Rowe Price Balanced Fund** |  |  |  |  |
| Allocation | (T. Rowe Price Associates, Inc.; Sub-Sub-Advisers: T. Rowe Price Investment Management, Inc.; T. Rowe Price Australia Limited; and T. Rowe Price International Ltd) | 0.97%<sup>2</sup> | 11.56% | 6.37% | 5.88% |
| Allocation | **JNL/T. Rowe Price Capital Appreciation Fund** |  |  |  |  |
| Allocation | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | 0.97%<sup>2</sup> | 12.30% | 10.16% | 10.09% |
| U.S. Equity | **JNL/T. Rowe Price Capital Appreciation Equity Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | 1.00%<sup>2</sup> | N/A | N/A | N/A |
| U.S. Equity | **JNL/T. Rowe Price Growth Stock Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.) | 0.83%<sup>2</sup> | 29.95% | 13.04% | 13.60% |
| 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.) | 0.98%<sup>2</sup> | 9.17% | 7.32% | 9.89% |
| Fixed Income | **JNL/T. Rowe Price Short-Term Bond Fund** |  |  |  |  |
| Fixed Income | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Hong Kong Limited) | 0.72%<sup>2</sup> | 4.65% | 1.62% | 1.61% |
| Fixed Income | **JNL/T. Rowe Price U.S. High Yield Fund** |  |  |  |  |
| Fixed Income | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | 0.94%<sup>2</sup> | 8.04% | 2.55% | N/A |
| U.S. Equity | **JNL/T. Rowe Price Value Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.) | 0.87%<sup>2</sup> | 14.84% | 10.19% | 9.12% |
| Allocation | **JNL/Vanguard Moderate ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.70% | 7.14% | 3.41% | N/A |
| Allocation | **JNL/Vanguard Moderate Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.69% | 9.59% | 5.10% | N/A |
| Allocation | **JNL/Vanguard Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.68% | 11.84% | 6.73% | N/A |
| International/Global Equity | **JNL/WCM China Quality Growth Fund** |  |  |  |  |
| International/Global Equity | (WCM Investment Management, LLC) | 1.36% | (0.82)% | N/A | N/A |
| International/Global Equity | **JNL/WCM Focused International Equity Fund** |  |  |  |  |
| International/Global Equity | (WCM Investment Management, LLC) | 1.10% | 7.10% | 6.57% | 9.12% |
| Alternative | **JNL/Westchester Capital Event Driven Fund** |  |  |  |  |
| Alternative | (Westchester Capital Management, LLC) | 1.83% | 4.79% | 3.38% | N/A |
| International/Global Equity | **JNL/William Blair International Leaders Fund** |  |  |  |  |
| International/Global Equity | (William Blair Investment Management, LLC) | 0.97% | (0.95)% | 0.24% | 2.76% |
| Allocation | **JNL/WMC Balanced Fund** |  |  |  |  |
| Allocation | (Wellington Management Company LLP) | 0.71% | 14.64% | 7.48% | 7.59% |
| U.S. Equity | **JNL/WMC Equity Income Fund** |  |  |  |  |
| U.S. Equity | (Wellington Management Company LLP) | 0.89% | 12.54% | 9.23% | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** | **Average Annual Total Returns <br>(as of 12/31/24)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Sector Equity | **JNL/WMC Global Real Estate Fund** |  |  |  |  |
| Sector Equity | (Wellington Management Company LLP) | 1.03% | 5.63% | (1.40)% | 1.80% |
| U.S. Equity | **JNL/WMC Value Fund** |  |  |  |  |
| U.S. Equity | (Wellington Management Company LLP) | 0.79% | 10.88% | 8.24% | 7.96% |
| Allocation | **JNL/JPMorgan Managed Conservative Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.10% | 4.66% | 1.83% | 2.75% |
| Allocation | **JNL/JPMorgan Managed Moderate Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.10% | 7.07% | 3.77% | 4.47% |
| Allocation | **JNL/JPMorgan Managed Moderate Growth Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.09% | 9.74% | 5.74% | 6.17% |
| Allocation | **JNL/JPMorgan Managed Growth Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.10% | 12.36% | 7.65% | 8.03% |
| Allocation | **JNL/JPMorgan Managed Aggressive Growth Fund** |  |  |  |  |
| Allocation | (J.P. Morgan Investment Management Inc.) | 1.11% | 13.64% | 8.59% | 8.82% |
| Allocation | **JNL Conservative Allocation Fund** |  |  |  |  |
| Allocation |  | 1.22% | 5.56% | 2.24% | 3.04% |
| Allocation | **JNL Moderate Allocation Fund** |  |  |  |  |
| Allocation |  | 1.21% | 7.64% | 4.18% | 4.47% |
| Allocation | **JNL Moderate Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 1.20% | 9.17% | 5.39% | 5.76% |
| Allocation | **JNL Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 1.17% | 10.60% | 6.48% | 6.76% |
| Allocation | **JNL Aggressive Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 1.14% | 11.93% | 7.38% | 7.49% |

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---

| | |
|:---|:---|
| 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. |

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**Back Cover Page**

This summary prospectus incorporates by reference the Elite Access Advisory II<sup>®</sup> prospectus and Statement of Additional Information (SAI), both dated April 28, 2025, as amended or supplemented. The SAI may be obtained, free of charge, in the same manner as the prospectus.

Separate Account EDGAR contract identifier #C000205594

## Exhibit 99.29

![](final07-01x2025jacksonre001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;- 1 - AS OF JULY 1, 2025 UPDATED BY: JACKSON LEGAL, OFFICE OF THE CORPORATE SECRETARY JACKSON FINANCIAL INC. RESTRICTED SECURITIES/AFFILIATES LIST Effective July 1, 20251 RESTRICTED SECURITIES COMPANY Jackson Financial Inc. Jackson National Life Global Funding MINORITY INTEREST HOLDERS COMPANY COUNTRY OF ORGANIZATION CONTROL/OWNERSHIP The Vanguard Group United States (Pennsylvania) 13.41% Minority Interest held in Jackson Financial Inc. 2 BlackRock, Inc. United States (Delaware) 9.8% Minority Interest held in Jackson Financial Inc. 3 BlackRock Life Limited United Kingdom <5% Minority Interest held in Jackson Financial Inc. 3 Aperio Group, LLC California <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock Advisors, LLC Delaware <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock (Netherlands) B.V. Netherlands <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock Institutional Trust Company, National Association California <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock Asset Management Ireland Limited Ireland <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock Financial Management, Inc. Delaware <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock Asset Management Schweiz AG Switzerland <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock Investment Management, LLC Delaware <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock Investment Management (UK) Limited United Kingdom <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock Asset Management Canada Limited Canada <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock (Luxembourg) S.A. Luxembourg <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock Investment Management (Australia) Limited Australia <5% Minority Interest held in Jackson Financial Inc. 3 BlackRock Fund Advisors California 5% or more Minority Interest held in Jackson Financial Inc. 3 BlackRock Fund Managers Ltd United Kingdom <5% Minority Interest held in Jackson Financial Inc. 3 Dimensional Fund Advisors LP Delaware 5.3% Minority Interest held in Jackson Financial Inc. 4 1 Information as of July 1, 2025, except where otherwise indicated, based on information contained in public filings on EDGAR. To the extent entities have not amended their beneficial ownership filings on EDGAR, actual percentages may differ.

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![](final07-01x2025jacksonre002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;- 2 - AS OF JULY 1, 2025 UPDATED BY: JACKSON LEGAL, OFFICE OF THE CORPORATE SECRETARY 2. Percentage held as of February 13, 2024, as reported on SC 13G/A (Amendment No. 3) filed by The Vanguard Group on EDGAR, subject to change. For a more detailed description, please see Jackson Financial Inc.'s Proxy Statement filed on EDGAR on April 8, 2025. 3. Percentage held as of March 7, 2024, as reported on SC 13G/A (Amendment No. 2) filed by BlackRock, Inc. on EDGAR, subject to change. For a more detailed description, please see Jackson Financial Inc.'s Proxy Statement filed on EDGAR on April 8, 2025. 4. Percentage held as of February 9, 2024, as reported on SC 13G filed by Dimensional Fund Advisors LP on EDGAR, subject to change. For a more detailed description, please see Jackson Financial Inc.'s Proxy Statement filed on EDGAR on April 8, 2025. AFFILIATES COMPANY STATE / COUNTRY OF ORGANIZATION CONTROL/OWNERSHIP PUBLICLY TRADED INDICATED IN RED BROKER/DEALER INDICATED IN GREEN Allied Life Brokerage Agency, Inc. Iowa 100% Jackson National Life Insurance Company Brier Capital LLC Michigan 100% Brooke Life Insurance Company Brooke Life Insurance Company Michigan 100% Jackson Holdings LLC Brooke Life Reinsurance Company Michigan 100% Brooke Life Insurance Company Hermitage Management, LLC Michigan 100% Jackson National Life Insurance Company Jackson Finance LLC Michigan 100% Jackson Financial Inc. Jackson Holdings LLC Delaware 100% Jackson Financial Inc. Jackson National Asset Management, LLC Michigan 100% Jackson National Life Insurance Company Jackson National Life Distributors LLC Delaware Broker/Dealer / Identifiers: CRD#: 40178; SEC#: 8-48984 100% Jackson National Life Insurance Company Jackson National Life Insurance Agency, LLC Illinois 100% Jackson National Life Distributors LLC Jackson National Life Insurance Company Michigan 100% Brooke Life Insurance Company Jackson National Life Insurance Company of New York New York 100% Jackson National Life Insurance Company Mission Plans of America, Inc. Texas 100% Jackson National Life Insurance Company National Planning Holdings LLC Delaware 100% Jackson National Life Insurance Company PGDS (US One) LLC Delaware 100% Jackson National Life Insurance Company PPM America Capital Partners III, LLC Delaware 60.50% PPM America, Inc. PPM America Capital Partners IV, LLC Delaware 34.50% PPM America, Inc. PPM America Capital Partners V, LLC Delaware 34% PPM America, Inc. PPM America Capital Partners VI, LLC Delaware 32% PPM America, Inc. PPM America Capital Partners VII, LLC Delaware 15.18% PPM America, Inc. PPM America Capital Partners VIII, LLC Delaware 50.01% PPM America, Inc.

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![](final07-01x2025jacksonre003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;- 3 - AS OF JULY 1, 2025 UPDATED BY: JACKSON LEGAL, OFFICE OF THE CORPORATE SECRETARY PPM America Capital Partners IX, LLC Delaware 35% PPM America, Inc. PPM Pomona Capital Partners, LLC Delaware 45% PPM America, Inc. PPM OV Capital Partners, LLC Delaware 100% PPM America, Inc. PPM Strategic Opportunities Capital Partners I, LLC Delaware 100% PPM America, Inc. PPM America, Inc. Delaware 100% PPM Holdings, Inc. PPM Holdings, Inc. Delaware 100% Jackson Holdings LLC PPM Loan Management Company 2, LLC Delaware Management and Originator Series: 100% PPM America, Inc. Any Retention Series: 100% Jackson National Life Insurance Company or 100% Jackson Financial Inc. REALIC of Jacksonville Plans, Inc. Texas 100% Jackson National Life Insurance Company ROP, Inc. Delaware 100% Jackson National Life Insurance Company Squire Reassurance Company II, Inc. Michigan 100% Jackson National Life Insurance Company VFL International Life Company SPC, Ltd. Cayman Islands 100% Jackson National Life Insurance Company PPM'S INVESTMENT PRODUCTS AND RELATED ENTITIES WHERE ULTIMATE JFI OWNERSHIP IS GREATER THAN 5%5 STATE / COUNTRY OF ORGANIZATION AA GP Solutions Fund, L.P. Delaware AA MMF 1 Holdco L.P. Delaware AA WH Holdco, L.P. Delaware AG Essential Housing Fund II, L.P. Delaware AHVF II (AIV II) LP Delaware AIOF II VANIR AIV (MF), L.P. Delaware AOP Finance Partners, L.P. Delaware B2B Solutions, LLC Delaware Centre Capital Non-Qualified Investors V AIV-ELS LP Delaware Centre Capital Non-Qualified Investors V LP Delaware CEP IV-A CWV AIV Limited Partnership Ontario CEP IV-A Davenport AIV LP Ontario CEP IV-A NMR AIV Limited Partnership Ontario Clairvest Equity Partners IV-A Limited Partnership Ontario GCI Holding Corporation Delaware

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![](final07-01x2025jacksonre004.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;- 4 - AS OF JULY 1, 2025 UPDATED BY: JACKSON LEGAL, OFFICE OF THE CORPORATE SECRETARY Island NYC Recovery Fund I, L.P. Delaware Haveli VC Gaming Fund I, LP Delaware Leeds Learnosity Co-Invest, L.P. Delaware Motive Capital Fund II-A, L.P. Delaware NewSpring Growth Capital III, L.P. Delaware NNN AGP Opportunities Fund, L.P. Delaware NNN AGP Opportunities Fund II, L.P. Delaware NNN AGP Opportunities Fund III, L.P. Delaware NOVA Infrastructure Fund I L.P. Delaware NOVA Infrastructure Holdings L.P. Delaware NSG III S2S Unblocked L.P. Delaware NSG V Unblocked AIV L.P. Delaware Old Hickory Fund I, LLC Delaware PP Napa Holdings, LLC Delaware PPM America Private Equity Fund VIII-A LP Delaware PPM America Private Equity Aggregator Fund IX LP Delaware PPM America Private Equity Fund IX LP Delaware PPM Strategic Opportunities Fund I LP Delaware PPM Strategic Opportunities Aggregator Fund I LP Delaware PPM CLO 2018-1 Ltd. Cayman Islands PPM CLO 2018-1, LLC Delaware PPM CLO 2 Ltd. Cayman Islands PPM CLO 2, LLC Delaware PPM CLO 3 Ltd. Cayman Islands PPM CLO 3, LLC Delaware PPM CLO 4 Ltd. Cayman Islands PPM CLO 4, LLC Delaware PPM CLO 5 Ltd. Cayman Islands PPM CLO 5, LLC Delaware PPM CLO 6-R Ltd. Jersey PPM CLO 6, LLC Delaware

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![](final07-01x2025jacksonre005.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;- 5 - AS OF JULY 1, 2025 UPDATED BY: JACKSON LEGAL, OFFICE OF THE CORPORATE SECRETARY PPM CLO 7, LLC Delaware PPM CLO 7 Ltd. Jersey PPM CLO 8, LLC Delaware PPM CLO 8 Ltd. Cayman Islands Pretium Olympus JV, L.P. Delaware SFR Delos Partners, L.P. Delaware THMI, Inc. Delaware AA Tundra Investor, L.P. Delaware Carlyle Infrastructure Credit Fund Note Issuer, L.P Delaware CEP V-A CS AIV Limited Partnership Delaware CEP V-A DMS AIV LP Delaware CEP V-A DR AIV Limited Partnership Delaware CEP V-A WBLI AIV LP Delaware CEP VI-A AEP AIV Limited Partnership Ontario CEP VI-A NH GAMING AIV LIMITED PARTNERSHIP Ontario CEP VI-A SW AIV LP Ontario Chartwell Investments II, LP Delaware CIABB Holdings, LLC Delaware Clairvest Equity Partners VI-A Canada Family Bakery Holdings, LLC Delaware FH VH Co-Invest Aggregator, LP Delaware LGP Sage PC Co-Invest LP Delaware LM Carpenter Co-Invest I LP Delaware Lovell Minnick Equity Partners III, L.P. Delaware Tailwind Co-Invest I LP Delaware PT Co-Investor Holdings, L.P. Delaware Seidler Equity Partners IV, L.P. Delaware Seidler Equity Partners VII LP Delaware SEP VII RB Holdings, L.P. Delaware MidOcean Partners QT Co-Invest, L.P. Delaware

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![](final07-01x2025jacksonre006.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;- 6 - AS OF JULY 1, 2025 UPDATED BY: JACKSON LEGAL, OFFICE OF THE CORPORATE SECRETARY 5. Based on most recently available information.

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![](final07-01x2025jacksonre007.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;- 7 - AS OF JULY 1, 2025 UPDATED BY: JACKSON LEGAL, OFFICE OF THE CORPORATE SECRETARY OPEN-END MANAGEMENT INVESTMENT COMPANIES REGISTERED WITH THE U.S. SECURITIES AND EXCHANGE COMMISSION, in accord with the provisions of the 1940 Act JNL Investors Series Trust JNL Series Trust CLOSED-END MANAGEMENT INVESTMENT COMPANIES REGISTERED WITH THE U.S. SECURITIES AND EXCHANGE COMMISSION, in accord with the provisions of the 1940 Act Jackson Credit Opportunities Fund Jackson Real Assets Fund

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