# EDGAR Filing Document

**Accession Number:** 0000927730
**File Stem:** 0000927730-23-000066
**Filing Date:** 2023-2
**Character Count:** 13907
**Document Hash:** ddbeb0cde9854fd6a9f7bb1d0e39cdb7
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000927730-23-000066.hdr.sgml**: 20230223

**ACCESSION NUMBER**: 0000927730-23-000066

**CONFORMED SUBMISSION TYPE**: 497

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20230223

**DATE AS OF CHANGE**: 20230223

**EFFECTIVENESS DATE**: 20230223

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** JACKSON NATIONAL SEPARATE ACCOUNT - I
- **CENTRAL INDEX KEY:** 0000927730
- **IRS NUMBER:** 381659835
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-235567
- **FILM NUMBER:** 23656392

**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 Name        | Class ID   |
| Jackson Advantage | C000218281 |

---

## Series and Classes Contracts Data

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

| Class ID   | Class Name        | Ticker Symbol   |
|:---|:---|:---|
| C000218281 | Jackson Advantage |  |

**Rate Sheet Prospectus Supplement Dated February 23, 2023**

**To The Prospectus Dated April 25, 2022 For**

**JACKSON ADVANTAGE**<sup>®</sup>

**FLEXIBLE PREMIUM VARIABLE AND FIXED DEFERRED ANNUITY**

**Issued by**

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

**Jackson National Separate Account - I**

**This Rate Sheet Prospectus Supplement is to be used in connection with the above-referenced prospectus. Please read and keep it together with your prospectus for future reference. To obtain an additional copy of the prospectus, please contact us at our Customer Care Center, P.O. Box 24068, Lansing, Michigan, 48909-4068; 1-800-644-4565; <u>www.jackson.com</u>.**

The purpose of this Rate Sheet Prospectus Supplement ("Supplement") is to provide the current annual add-on benefit charges ("referred to as the "charges"), and the Bonus percentages, Guaranteed Withdrawal Balance ("GWB") Adjustment percentages, Guaranteed Annual Withdrawal Amount ("GAWA") percentages, and Roll-up percentages (collectively referred to as the "rates") for the LifeGuard Freedom Flex (Single) and (Joint) Guaranteed Minimum Withdrawal Benefits ("GMWBs"), Roll-up Guaranteed Minimum Death Benefit ("GMDB"), Highest Quarterly Anniversary Value GMDB, Combination Roll-up and Highest Quarterly Anniversary Value GMDB, and LifeGuard Freedom Flex DB add-on benefits, as applicable. This Supplement replaces and supersedes any previously issued Rate Sheet Prospectus Supplement and must be used in conjunction with an effective prospectus. For complete information about the add-on benefits referenced in this Rate Sheet Prospectus Supplement, please see the applicable subsections under the "CONTRACT CHARGES", "ACCESS TO YOUR MONEY", and "DEATH BENEFIT" sections in the prospectus.

**The charges and rates below apply for applications signed on or after March 13, 2023.**

It is important that you have the most current Rate Sheet Prospectus Supplement as of the date you sign your application. **This Supplement has no specified end date and can be superseded at any time.** If we supersede this Supplement with a new Rate Sheet Prospectus Supplement, the new Rate Sheet Prospectus Supplement will be filed a minimum of 10 business days prior to its effective date.

**The current annual charges for the following add-on benefits are:**

---

| | |
|:---|:---|
| **Add-on Benefit Name** | **Current Annual Charge** |
| Roll-up GMDB | 0.90% |
| Highest Quarterly Anniversary Value GMDB | 0.30% |
| Combination Roll-up and Highest Quarterly Anniversary Value GMDB | 1.00% |
| LifeGuard Freedom Flex DB | With Income Stream Max GAWA% Table: 0.80% |
| LifeGuard Freedom Flex DB | With Income Stream Value GAWA% Table: 0.80% |

---

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**The current annual charges for the LifeGuard Freedom Flex (Single) and (Joint) add-on benefits are:**

---

| | | |
|:---|:---|:---|
| **Add-on Benefit Name** | **Current Annual Charge** | **Current Annual Charge** |
| **Add-on Benefit Name** | **Income Stream Max GAWA% Table** | **Income Stream Value GAWA% Table** |
| LifeGuard Freedom Flex (Single) | Bonus I and Annual Step-Up to the Highest Quarterly Contract Value: 1.20% | Bonus I and Annual Step-Up to the Highest Quarterly Contract Value: 0.75% |
| LifeGuard Freedom Flex (Single) | Bonus II and Annual Step-Up to the Highest Quarterly Contract Value: 1.30% | Bonus II and Annual Step-Up to the Highest Quarterly Contract Value: 0.85% |
| LifeGuard Freedom Flex (Single) | Bonus III and Annual Step-Up to the Highest Quarterly Contract Value: 1.45% | Bonus III and Annual Step-Up to the Highest Quarterly Contract Value: 1.00% |
| LifeGuard Freedom Flex (Joint) | Bonus I and Annual Step-Up to the Highest Quarterly Contract Value: 1.50% | Bonus I and Annual Step-Up to the Highest Quarterly Contract Value: 1.05% |
| LifeGuard Freedom Flex (Joint) | Bonus III and Annual Step-Up to the Highest Quarterly Contract Value: 1.75% | Bonus III and Annual Step-Up to the Highest Quarterly Contract Value: 1.30% |

---

**The current Bonus percentage(s), GWB Adjustment percentage(s), and GAWA percentages for the LifeGuard Freedom Flex (Single) and (Joint) add-on benefits are:**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Add-on Benefit Name** | **GAWA Percentages** | **GAWA Percentages** | **GAWA Percentages** | **Bonus Percentage(s)** | **Bonus Percentage(s)** | **GWB Adjustment Percentage(s)** | **GWB Adjustment Percentage(s)** |  |  |  |  |  |  |  |  |  |  |  |
| **Add-on Benefit Name** | **Ages** | **Income Stream Max GAWA% Table** | **Income Stream Value GAWA% Table** | **Bonus Percentage(s)** | **Bonus Percentage(s)** | **GWB Adjustment Percentage(s)** | **GWB Adjustment Percentage(s)** |  |  |  |  |  |  |  |  |  |  |  |
| LifeGuard Freedom Flex (Single) | 35 - 64 | 3.75% | 3.25% | Bonus I | 5% | Bonus I | 105% |  |  |  |  |  |  |  |  |  |  |  |
| LifeGuard Freedom Flex (Single) | 35 - 64 | 3.75% | 3.25% | Bonus I | 5% | Bonus I | 105% | 65 - 74 | 5.00% | 4.25% |  |  |  |  |  |  |  |  |
| LifeGuard Freedom Flex (Single) | 35 - 64 | 3.75% | 3.25% | Bonus I | 5% | Bonus I | 105% | 65 - 74 | 5.00% | 4.25% | Bonus II<sup>1</sup> | 6% | Bonus II<sup>1</sup> | 105% |  |  |  |  |
| LifeGuard Freedom Flex (Single) | 75 - 80 | 5.25% | 4.75% | Bonus I | 5% | Bonus I | 105% | 65 - 74 | 5.00% | 4.25% | Bonus II<sup>1</sup> | 6% | Bonus II<sup>1</sup> | 105% |  |  |  |  |
| LifeGuard Freedom Flex (Single) | 75 - 80 | 5.25% | 4.75% | Bonus III | 7% | Bonus III | 105% | Bonus II<sup>1</sup> | 6% | Bonus II<sup>1</sup> | 105% |  |  |  |  |  |  |  |
| LifeGuard Freedom Flex (Single) | 75 - 80 | 5.25% | 4.75% | Bonus III | 7% | Bonus III | 105% | 81+ | 5.50% | 5.25% | Bonus II<sup>1</sup> | 6% | Bonus II<sup>1</sup> | 105% |  |  |  |  |
| LifeGuard Freedom Flex (Single) | LifeGuard Freedom Flex (Joint) | 35 - 64 | 3.75% | Bonus III | 7% | Bonus III | 105% | 81+ | 5.50% | 5.25% | 3.25% | Bonus I | 5% | Bonus I | 105% |  |  |  |
| LifeGuard Freedom Flex (Single) | LifeGuard Freedom Flex (Joint) | 35 - 64 | 3.75% | Bonus III | 7% | Bonus III | 105% | 81+ | 5.50% | 5.25% | 3.25% | Bonus I | 5% | Bonus I | 105% | 65 - 74 | 5.00% | 4.25% |
| LifeGuard Freedom Flex (Single) | LifeGuard Freedom Flex (Joint) | 35 - 64 | 3.75% | 75 - 80 | 5.25% | 4.75% | Bonus III | 7% | Bonus III | 105% | 3.25% | Bonus I | 5% | Bonus I | 105% | 65 - 74 | 5.00% | 4.25% |
| LifeGuard Freedom Flex (Single) | LifeGuard Freedom Flex (Joint) | 81+ | 5.50% | 75 - 80 | 5.25% | 4.75% | Bonus III | 7% | Bonus III | 105% | 5.25% | Bonus I | 5% | Bonus I | 105% | 65 - 74 | 5.00% | 4.25% |
| LifeGuard Freedom Flex (Single) | LifeGuard Freedom Flex (Joint) | 81+ | 5.50% | 75 - 80 | 5.25% | 4.75% | Bonus III | 7% | Bonus III | 105% | 5.25% | Bonus I | 5% | Bonus I | 105% |  |  |  |
| LifeGuard Freedom Flex (Single) | LifeGuard Freedom Flex (Joint) | 81+ | 5.50% | Bonus III | 7% | Bonus III | 105% | 5.25% | Bonus I | 5% | Bonus I | 105% |  |  |  |  |  |  |
| LifeGuard Freedom Flex (Joint) | Bonus III | 7% | Bonus III | 105% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| LifeGuard Freedom Flex (Joint) | Bonus III | 7% | Bonus III | 105% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| LifeGuard Freedom Flex (Joint) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| LifeGuard Freedom Flex (Joint) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| LifeGuard Freedom Flex (Joint) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| LifeGuard Freedom Flex (Joint) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.Please note that Bonus II is only available in conjunction with the purchase of the LifeGuard Freedom Flex Death Benefit.

**The current Roll-up percentages for the Roll-up GMDB and Combination Roll-up and Highest Quarterly Anniversary Value GMDB add-on benefits are:**

---

| | | |
|:---|:---|:---|
| **Add-on Benefit Name** | **Roll-up Percentage** | **Roll-up Percentage** |
| **Add-on Benefit Name** | **Age 69 or younger** | **Age 70 or older** |
| Roll-up GMDB | 5.00% | 4.00% |
| Combination Roll-up and Highest Quarterly Anniversary Value GMDB | 5.00% | 4.00% |

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**The current minimum and maximum annual fees (for a single optional benefit), as displayed in the "Ongoing Fees and Expenses (annual charges)" section of the table contained in the "IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT" section of the prospectus are:**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;**ANNUAL FEE** | **MINIMUM** | **MAXIMUM** |
| 3. Optional benefits available for an additional charge (for a single optional benefit, if elected) | 0.30%<sup>3</sup> | 1.75%<sup>3</sup> |

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<sup>3.&nbsp;&nbsp;&nbsp;&nbsp;</sup>The minimum fee reflects an annualized percentage of the GMDB Benefit Base. The maximum fee reflects an annualized percentage of the GWB.

Page 2 of 3

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**The current lowest and highest annual cost estimates, as displayed in the "Ongoing Fees and Expenses (annual charges)" section of the table contained in the "IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT" section of the prospectus are:**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**LOWEST ANNUAL COST: $1,478** | **HIGHEST ANNUAL COST: $4,474** |
| 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;• Most expensive combination of add-on benefits and Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals |

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In order for you to receive the charges and rates disclosed in this Supplement, your application must be signed on or after the date referenced above. We must receive your application in Good Order within 14 calendar days from the date you sign your application, and your initial Premium Payment must be received within 14 calendar days (60 calendar days for 1035 exchanges, direct transfers, or direct rollovers) from the date you sign your application. Once your Contract is issued with the add-on benefit, the rates disclosed in this Supplement will not change as long as you own the the add-on benefit, however the charges will be subject to any charge increase provisions outlined in your Contract.

Subject to the timing requirements stated above, if the charges or rates that we are currently offering on the day your Contract is issued are more beneficial to you than the charges or rates we were offering on the date you signed your application, you will receive the more beneficial set of charges or rates. For example, if the current annual charges we are currently offering on the day your Contract is issued are higher than the charges we were offering on the date you signed your application, your Contract will be issued with the charges that were in effect on the day you signed your application, subject to meeting the timing requirements stated above. Conversely, if the current annual charges we are currently offering on the day your Contract is issued are lower than the charges we were offering on the date you signed your application, you will receive the lower set of charges, subject to meeting the timing requirements above.

If the necessary paperwork and initial Premium Payment are not received within the timelines referenced above, you will receive the applicable charges and rates in effect as of the Contract's Issue Date.

If your application was signed prior to the application date shown above, please refer to your Contract for the charges and rates applicable to your add-on benefits, or contact our Customer Care Center.

All Rate Sheet Prospectus Supplements are available by contacting our Customer Care Center at 1-800-644-4565, and are also available at <u>www.jackson.com/product-literature-2.html</u>.

_________________________________

To be used with JMV23538 04/22

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JFV100773 03/23