# EDGAR Filing Document

**Accession Number:** 0001045032
**File Stem:** 0001045032-26-000190
**Filing Date:** 2026-4
**Character Count:** 456467
**Document Hash:** aa2f5f7bd912594e863e04d1874a6c6f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001045032-26-000190.hdr.sgml**: 20260423

**ACCESSION NUMBER**: 0001045032-26-000190

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 7

**FILED AS OF DATE**: 20260423

**DATE AS OF CHANGE**: 20260423

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** JNLNY SEPARATE ACCOUNT I
- **CENTRAL INDEX KEY:** 0001045032

**ORGANIZATION NAME:**
- **EIN:** 133873709
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-08401
- **FILM NUMBER:** 26888071

**BUSINESS ADDRESS:**
- **STREET 1:** 2900 WESTCHESTER AVE
- **CITY:** PURCHASE
- **STATE:** NY
- **ZIP:** 10577
- **BUSINESS PHONE:** (888) 965-6569

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** JNLNY SEPARATE ACCOUNT I
- **CENTRAL INDEX KEY:** 0001045032

**ORGANIZATION NAME:**
- **EIN:** 133873709
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-252332
- **FILM NUMBER:** 26888070

**BUSINESS ADDRESS:**
- **STREET 1:** 2900 WESTCHESTER AVE
- **CITY:** PURCHASE
- **STATE:** NY
- **ZIP:** 10577
- **BUSINESS PHONE:** (888) 965-6569

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

## Series and Classes Contracts Data

### JNLNY SEPARATE ACCOUNT I (Series ID: S000010933)

| Class ID   | Class Name                            | Ticker Symbol   |
|:---|:---|:---|
| C000226534 | Jackson Retirement Investment Annuity |  |

As filed with the Securities and Exchange Commission on April 23, 2026

Commission File Nos. 333-252332

811-08401

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM N-4**

---

| | | |
|:---|:---|:---|
| REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 | REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 | [ ] |
| | Pre-Effective Amendment No. | [ ] |
| | Post-Effective Amendment No. **6** | [X] |
| and/or | and/or | and/or |

---

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

---

| | |
|:---|:---|
| Amendment No. **660** | [X] |

---

**JNLNY SEPARATE ACCOUNT I**

(Exact Name of Registrant)

**JACKSON NATIONAL LIFE INSURANCE COMPANY OF NEW YORK**

(Name of Depositor)

2900 Westchester Avenue, Purchase, New York 10577

(Address of Depositor's Principal Executive Offices)

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

Scott J. Golde, Esq., Senior Vice President, 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 April 27, 2026 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 variable portion of Flexible Premium Variable and Fixed Deferred Annuity contracts | Title of Securities Being Registered: the variable portion of Flexible Premium Variable and Fixed Deferred Annuity contracts |

---

------

**JACKSON RETIREMENT INVESTMENT ANNUITY**<sup>®</sup>

**FLEXIBLE PREMIUM VARIABLE AND FIXED DEFERRED ANNUITY**

**Issued by**

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

**JNLNY Separate Account I**

**Effective January 1, 2025, this Jackson Retirement Investment Annuity Flexible Premium Variable and Fixed Deferred Annuity is no longer available for purchase.**

**The date of this prospectus is April 27, 2026** . This prospectus states the information about the Separate Account, the Contract, and Jackson National Life Insurance Company of New York ("Jackson of NY <sup>®</sup> ") you should know before investing. This prospectus is a disclosure document and describes all of the Contract's material features, benefits, rights, and obligations. The description of the Contract's material provisions in this prospectus is current as of the date of this prospectus. If certain material provisions under the Contract are changed after the date of this prospectus, in accordance with the Contract, those changes will be described in a supplemented prospectus. It is important that you also read the Contract and endorsements, which may reflect non-material variations. Jackson's obligations under the Contract are subject to our financial strength and claims-paying ability. The information in this prospectus is intended to help you decide if the Contract will meet your investment and financial planning goals. Additional information about the Separate Account can be found in the Statement of Additional Information ("SAI") dated April 27, 2026 that is available upon request without charge. To obtain a copy contact us at our:

---

| |
|:---|
| **Jackson of NY Customer Care Center** |
| **P.O. Box 24068** |
| **Lansing, Michigan 48909-4068** |
| **1-800-599-5651** |
| **<u>www.jackson.com</u>** |

---

Variable annuity contracts are complex insurance and investment vehicles and involve risks, including potential loss of principal. Before you invest, be sure to discuss the Contract's features, benefits, risks, and fees with your financial professional in order to determine whether the Contract is appropriate for you based upon your financial situation and objectives. Please carefully read this prospectus and any related documents and keep everything together for future reference.

This prospectus describes the investment options and optional features that we currently offer under the Contract. At the time you purchase the Contract, it is possible that not all of the optional features listed in this prospectus will be available, as we reserve the right to prospectively restrict availability of the optional features. Not all optional features may be available in combination with other optional features, as we also reserve the right to prospectively restrict the availability to elect certain features if certain other optional features have been elected. We reserve the right to limit the number of Contracts that you may purchase. We also reserve the right to refuse initial and any or all subsequent Premium payments. Please confirm with us or your financial professional that you have the most current prospectus and supplements to the prospectus that describe the availability and any restrictions on the optional features.

This Contract is a long-term, tax-deferred annuity designed for retirement or other long-term investment purposes. It is available for use in Non-Qualified plans, Non-Qualified contracts, Qualified plans, Tax-Sheltered annuities, Simplified Employee Pension IRAs, Traditional IRAs, and Roth IRAs. The Contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals could result in Withdrawal Charges, negative Contract adjustments, taxes, and tax penalties, as applicable. **Withdrawals taken from the Fixed Account before the end of the relevant Fixed Account Option term may also be subject to a Market Value Adjustment, and if this adjustment is negative, you could lose up to 100% of any credited interest. However, a negative Market Value Adjustment will never cause you to lose any of your original investment.** If you do intend to take ongoing withdrawals under the Contract, you should consult with a financial professional.

The Contracts are or may be 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. If you elect to pay the advisory fee from your Contract Value, this deduction will or may reduce the death benefit and may be subject to federal and state income taxes and a 10% federal penalty tax.

This prospectus utilizes Rate Sheet Prospectus Supplements to describe the current annual charges for the Return of Premium Guaranteed Minimum Death Benefit. To obtain a copy of the most recent Rate Sheet Prospectus Supplement(s), please visit <u>www.jackson.com/product-literature-3.html</u>.

------

We offer other variable annuity products with different product features, benefits and charges. Ask your financial professional about availability and the details.

The Contract makes available for investment variable and fixed options. The variable options are Investment Divisions of the Separate Account, each of which invests in one of the Funds listed in Appendix A.

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>.

If you are a new investor in the Contract, you may cancel your Contract within 20 days of receiving it without paying fees or penalties. Upon receipt of your Contract, we will refund the Contract Value determined as of the Business Day on which we receive the Contract from you, including any fees or other charges deducted from the premiums or imposed under the Contract. You should review this prospectus, or consult with your financial professional, for additional information about the specific cancellation terms that apply.

You may elect to receive certain communications from Jackson of NY electronically by doing one of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mailing in the postage-paid card on the cover of either this report or the Summary Prospectus;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Calling 1-866-349-4564; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Signing up on <u>www.jackson.com</u>

**Neither the SEC nor any state securities commission has approved or disapproved these securities or passed upon the adequacy of this prospectus. It is a criminal offense to represent otherwise. We do not intend for this prospectus to be an offer to sell or a solicitation of an offer to buy these securities in any state where this is not permitted.**

<u>• Not FDIC/NCUA insured • Not Bank/CU guaranteed • May lose value • Not a deposit • Not insured by any federal agency</u>

------

---

| | |
|:---|:---|
| **TABLE OF CONTENTS** | **TABLE OF CONTENTS** |
| **[GLOSSARY](#ie9f48585e73e4951bab8603da6b0ce3f_16)**  | **[1](#ie9f48585e73e4951bab8603da6b0ce3f_16)** |
| **[OVERVIEW OF THE CONTRACT](#ie9f48585e73e4951bab8603da6b0ce3f_3050)** | **[3](#ie9f48585e73e4951bab8603da6b0ce3f_3050)** |
| **[IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#ie9f48585e73e4951bab8603da6b0ce3f_19)** | **[5](#ie9f48585e73e4951bab8603da6b0ce3f_19)** |
| **[FEES AND EXPENSES TABLES](#ie9f48585e73e4951bab8603da6b0ce3f_22)**  | **[8](#ie9f48585e73e4951bab8603da6b0ce3f_22)** |
| &nbsp;&nbsp;[Transaction Expenses](#ie9f48585e73e4951bab8603da6b0ce3f_25) | [8](#ie9f48585e73e4951bab8603da6b0ce3f_25) |
| &nbsp;&nbsp;[Annual Contract](#ie9f48585e73e4951bab8603da6b0ce3f_28)[Expenses](#ie9f48585e73e4951bab8603da6b0ce3f_28) | [8](#ie9f48585e73e4951bab8603da6b0ce3f_28) |
| &nbsp;&nbsp;[Annual Fund](#ie9f48585e73e4951bab8603da6b0ce3f_31)[Expenses](#ie9f48585e73e4951bab8603da6b0ce3f_31) | [9](#ie9f48585e73e4951bab8603da6b0ce3f_31) |
| **[EXAMPLE](#ie9f48585e73e4951bab8603da6b0ce3f_3290)** | [9](#ie9f48585e73e4951bab8603da6b0ce3f_3290) |
| **[PRINCIPAL RISKS](#ie9f48585e73e4951bab8603da6b0ce3f_3065)** | **[9](#ie9f48585e73e4951bab8603da6b0ce3f_3065)** |
| &nbsp;&nbsp;[Risk of Loss](#ie9f48585e73e4951bab8603da6b0ce3f_3521) | [11](#ie9f48585e73e4951bab8603da6b0ce3f_3521) |
| &nbsp;&nbsp;[R](#ie9f48585e73e4951bab8603da6b0ce3f_3516)[isks Associated with](#ie9f48585e73e4951bab8603da6b0ce3f_3516)[Variable Inve](#ie9f48585e73e4951bab8603da6b0ce3f_3516)[stment O](#ie9f48585e73e4951bab8603da6b0ce3f_3516)[ptions](#ie9f48585e73e4951bab8603da6b0ce3f_3516) | [11](#ie9f48585e73e4951bab8603da6b0ce3f_3516) |
| &nbsp;&nbsp;[Short-Term Investment Risk](#ie9f48585e73e4951bab8603da6b0ce3f_3511) | [12](#ie9f48585e73e4951bab8603da6b0ce3f_3511) |
| &nbsp;&nbsp;L[iquidity and Early Withdrawal Risk](#ie9f48585e73e4951bab8603da6b0ce3f_3501) | [12](#ie9f48585e73e4951bab8603da6b0ce3f_3501) |
| &nbsp;&nbsp;[I](#ie9f48585e73e4951bab8603da6b0ce3f_3496)[nsurance Company Risks](#ie9f48585e73e4951bab8603da6b0ce3f_3496) | [12](#ie9f48585e73e4951bab8603da6b0ce3f_3496) |
| &nbsp;&nbsp;[I](#ie9f48585e73e4951bab8603da6b0ce3f_3491)[nvestment Restrictions](#ie9f48585e73e4951bab8603da6b0ce3f_3491) | [12](#ie9f48585e73e4951bab8603da6b0ce3f_3491) |
| &nbsp;&nbsp;[P](#ie9f48585e73e4951bab8603da6b0ce3f_3486)[remium Payment Risk](#ie9f48585e73e4951bab8603da6b0ce3f_3486) | [12](#ie9f48585e73e4951bab8603da6b0ce3f_3486) |
| &nbsp;&nbsp;[F](#ie9f48585e73e4951bab8603da6b0ce3f_3481)[ees and Charges](#ie9f48585e73e4951bab8603da6b0ce3f_3481) | [12](#ie9f48585e73e4951bab8603da6b0ce3f_3481) |
| &nbsp;&nbsp;[P](#ie9f48585e73e4951bab8603da6b0ce3f_3476)[ossible Adverse Tax Consequences](#ie9f48585e73e4951bab8603da6b0ce3f_3476) | [12](#ie9f48585e73e4951bab8603da6b0ce3f_3476) |
| &nbsp;&nbsp;[A](#ie9f48585e73e4951bab8603da6b0ce3f_3471)[dd-On Ben](#ie9f48585e73e4951bab8603da6b0ce3f_3471)[efits](#ie9f48585e73e4951bab8603da6b0ce3f_3471) | [12](#ie9f48585e73e4951bab8603da6b0ce3f_3471) |
| &nbsp;&nbsp;[C](#ie9f48585e73e4951bab8603da6b0ce3f_3466)[onditions to Contract Benefits](#ie9f48585e73e4951bab8603da6b0ce3f_3466) | [13](#ie9f48585e73e4951bab8603da6b0ce3f_3466) |
| &nbsp;&nbsp;[A](#ie9f48585e73e4951bab8603da6b0ce3f_3461)[lternatives to the Contract](#ie9f48585e73e4951bab8603da6b0ce3f_3461) | [13](#ie9f48585e73e4951bab8603da6b0ce3f_3461) |
| &nbsp;&nbsp;[P](#ie9f48585e73e4951bab8603da6b0ce3f_3456)[otentially](#ie9f48585e73e4951bab8603da6b0ce3f_3456)[Harmful Transfer Activity](#ie9f48585e73e4951bab8603da6b0ce3f_3456) | [13](#ie9f48585e73e4951bab8603da6b0ce3f_3456) |
| &nbsp;&nbsp;[Fixed Accou](#ie9f48585e73e4951bab8603da6b0ce3f_3451)[nt Option Rates](#ie9f48585e73e4951bab8603da6b0ce3f_3451) | [13](#ie9f48585e73e4951bab8603da6b0ce3f_3451) |
| &nbsp;&nbsp;[D](#ie9f48585e73e4951bab8603da6b0ce3f_3530)[eduction of Advisory Fees from Contract](#ie9f48585e73e4951bab8603da6b0ce3f_3530)[V](#ie9f48585e73e4951bab8603da6b0ce3f_3530)[alue](#ie9f48585e73e4951bab8603da6b0ce3f_3530) | [13](#ie9f48585e73e4951bab8603da6b0ce3f_3530) |
| **[FINANCIAL](#ie9f48585e73e4951bab8603da6b0ce3f_37)[STATEMENTS](#ie9f48585e73e4951bab8603da6b0ce3f_37)**  | **[14](#ie9f48585e73e4951bab8603da6b0ce3f_37)** |
| **[THE ANNUITY CONTRACT](#ie9f48585e73e4951bab8603da6b0ce3f_40)**  | **[14](#ie9f48585e73e4951bab8603da6b0ce3f_40)** |
| **[JACKSON OF NY](#ie9f48585e73e4951bab8603da6b0ce3f_43)**  | **[14](#ie9f48585e73e4951bab8603da6b0ce3f_43)** |
| **[THE FIXED ACCOUNT](#ie9f48585e73e4951bab8603da6b0ce3f_46)**  | **[14](#ie9f48585e73e4951bab8603da6b0ce3f_46)** |
| **[THE SEPARATE ACCOUNT](#ie9f48585e73e4951bab8603da6b0ce3f_49)**  | **[16](#ie9f48585e73e4951bab8603da6b0ce3f_49)** |
| **[INVESTMENT DIVISIONS](#ie9f48585e73e4951bab8603da6b0ce3f_52)[AND FUNDS](#ie9f48585e73e4951bab8603da6b0ce3f_52)**  | **[16](#ie9f48585e73e4951bab8603da6b0ce3f_52)** |
| &nbsp;&nbsp;[Voting Privileges](#ie9f48585e73e4951bab8603da6b0ce3f_58) | [17](#ie9f48585e73e4951bab8603da6b0ce3f_58) |
| &nbsp;&nbsp;[Substitution](#ie9f48585e73e4951bab8603da6b0ce3f_61) | [17](#ie9f48585e73e4951bab8603da6b0ce3f_61) |
| **[BENEFITS AVAILABLE UNDER THE CONTRACT](#ie9f48585e73e4951bab8603da6b0ce3f_3070)** | **[18](#ie9f48585e73e4951bab8603da6b0ce3f_3070)** |
| **[CONTRACT CHARGES](#ie9f48585e73e4951bab8603da6b0ce3f_64)**  | **[19](#ie9f48585e73e4951bab8603da6b0ce3f_64)** |
| &nbsp;&nbsp;[TRANSACTION EXPENSES](#ie9f48585e73e4951bab8603da6b0ce3f_3117) | [20](#ie9f48585e73e4951bab8603da6b0ce3f_3117) |
| &nbsp;&nbsp;&nbsp;&nbsp;[Transfer Charge](#ie9f48585e73e4951bab8603da6b0ce3f_73) | [20](#ie9f48585e73e4951bab8603da6b0ce3f_73) |
| &nbsp;&nbsp;&nbsp;&nbsp;[E](#ie9f48585e73e4951bab8603da6b0ce3f_3131)[xpedited Delivery Charge](#ie9f48585e73e4951bab8603da6b0ce3f_3131) | [20](#ie9f48585e73e4951bab8603da6b0ce3f_3131) |
| &nbsp;&nbsp;&nbsp;&nbsp;[Wire Transfer](#ie9f48585e73e4951bab8603da6b0ce3f_3137)[Charge](#ie9f48585e73e4951bab8603da6b0ce3f_3137) | [20](#ie9f48585e73e4951bab8603da6b0ce3f_3137) |
| &nbsp;&nbsp;&nbsp;&nbsp;[Premium Taxes](#ie9f48585e73e4951bab8603da6b0ce3f_115) | [20](#ie9f48585e73e4951bab8603da6b0ce3f_115) |
| &nbsp;&nbsp;&nbsp;&nbsp;[Income Taxes](#ie9f48585e73e4951bab8603da6b0ce3f_118) | [20](#ie9f48585e73e4951bab8603da6b0ce3f_118) |

---

------

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;[Advisory Fees](#ie9f48585e73e4951bab8603da6b0ce3f_3307) | [20](#ie9f48585e73e4951bab8603da6b0ce3f_3307) |
| &nbsp;&nbsp;[ANNUAL CONTRACT EXPENSES](#ie9f48585e73e4951bab8603da6b0ce3f_3093) | [20](#ie9f48585e73e4951bab8603da6b0ce3f_3093) |
| &nbsp;&nbsp;&nbsp;&nbsp;[Core Contract Charge](#ie9f48585e73e4951bab8603da6b0ce3f_67) | [20](#ie9f48585e73e4951bab8603da6b0ce3f_67) |
| &nbsp;&nbsp;&nbsp;&nbsp;[A](#ie9f48585e73e4951bab8603da6b0ce3f_70)[nn](#ie9f48585e73e4951bab8603da6b0ce3f_70)[ual Contract Maintenance Charge](#ie9f48585e73e4951bab8603da6b0ce3f_70) | [21](#ie9f48585e73e4951bab8603da6b0ce3f_70) |
| &nbsp;&nbsp;[ADD-ON](#ie9f48585e73e4951bab8603da6b0ce3f_3168)[BENEFIT EXPENSES](#ie9f48585e73e4951bab8603da6b0ce3f_3168) | [21](#ie9f48585e73e4951bab8603da6b0ce3f_3182) |
| &nbsp;&nbsp;&nbsp;&nbsp;[Death Benefit Charges](#ie9f48585e73e4951bab8603da6b0ce3f_3182) | [21](#ie9f48585e73e4951bab8603da6b0ce3f_3182) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Return of Premium GMDB Charge](#ie9f48585e73e4951bab8603da6b0ce3f_76) | [21](#ie9f48585e73e4951bab8603da6b0ce3f_76) |
| &nbsp;&nbsp;[FUND EXPENSES](#ie9f48585e73e4951bab8603da6b0ce3f_3083) | [22](#ie9f48585e73e4951bab8603da6b0ce3f_3083) |
| **[DISTRIBUTION OF CONTRACTS](#ie9f48585e73e4951bab8603da6b0ce3f_121)**  | **[22](#ie9f48585e73e4951bab8603da6b0ce3f_121)** |
| **[PURCHASES](#ie9f48585e73e4951bab8603da6b0ce3f_124)**  | **[24](#ie9f48585e73e4951bab8603da6b0ce3f_124)** |
| &nbsp;&nbsp;[Minimum Initial Premium](#ie9f48585e73e4951bab8603da6b0ce3f_127) | [24](#ie9f48585e73e4951bab8603da6b0ce3f_127) |
| &nbsp;&nbsp;[Minimum Additional Premiums](#ie9f48585e73e4951bab8603da6b0ce3f_130) | [24](#ie9f48585e73e4951bab8603da6b0ce3f_130) |
| &nbsp;&nbsp;[Maximum Premiums](#ie9f48585e73e4951bab8603da6b0ce3f_133) | [25](#ie9f48585e73e4951bab8603da6b0ce3f_133) |
| &nbsp;&nbsp;[Allocations of Premium](#ie9f48585e73e4951bab8603da6b0ce3f_136) | [25](#ie9f48585e73e4951bab8603da6b0ce3f_136) |
| &nbsp;&nbsp;[Capital Protection Program](#ie9f48585e73e4951bab8603da6b0ce3f_139) | [25](#ie9f48585e73e4951bab8603da6b0ce3f_139) |
| &nbsp;&nbsp;[Accumulation Units](#ie9f48585e73e4951bab8603da6b0ce3f_142) | [26](#ie9f48585e73e4951bab8603da6b0ce3f_142) |
| **[TRANSFERS AND FREQUENT TRANSFER RESTRICTIONS](#ie9f48585e73e4951bab8603da6b0ce3f_145)**  | **[26](#ie9f48585e73e4951bab8603da6b0ce3f_145)** |
| &nbsp;&nbsp;[Potential Limits and Conditions on Fixed Account Transfers](#ie9f48585e73e4951bab8603da6b0ce3f_148) | [26](#ie9f48585e73e4951bab8603da6b0ce3f_148) |
| &nbsp;&nbsp;[Restrictions on Transfers: Market Timing](#ie9f48585e73e4951bab8603da6b0ce3f_151) | [27](#ie9f48585e73e4951bab8603da6b0ce3f_151) |
| **[TELEPHONE AND INTERNET TRANSACTIONS](#ie9f48585e73e4951bab8603da6b0ce3f_154)**  | **[28](#ie9f48585e73e4951bab8603da6b0ce3f_154)** |
| &nbsp;&nbsp;[The Basics](#ie9f48585e73e4951bab8603da6b0ce3f_157) | [28](#ie9f48585e73e4951bab8603da6b0ce3f_157) |
| &nbsp;&nbsp;[What You Can Do and How](#ie9f48585e73e4951bab8603da6b0ce3f_160) | [29](#ie9f48585e73e4951bab8603da6b0ce3f_160) |
| &nbsp;&nbsp;[What You Can Do and When](#ie9f48585e73e4951bab8603da6b0ce3f_163) | [29](#ie9f48585e73e4951bab8603da6b0ce3f_163) |
| &nbsp;&nbsp;[Our Procedures](#ie9f48585e73e4951bab8603da6b0ce3f_169) | [29](#ie9f48585e73e4951bab8603da6b0ce3f_169) |
| **[ACCESS TO YOUR MONEY](#ie9f48585e73e4951bab8603da6b0ce3f_172)**  | **[29](#ie9f48585e73e4951bab8603da6b0ce3f_172)** |
| &nbsp;&nbsp;[Automatic Withdrawal Program](#ie9f48585e73e4951bab8603da6b0ce3f_208) | [30](#ie9f48585e73e4951bab8603da6b0ce3f_208) |
| &nbsp;&nbsp;[Suspension of Withdrawals or Transfers](#ie9f48585e73e4951bab8603da6b0ce3f_211) | [30](#ie9f48585e73e4951bab8603da6b0ce3f_211) |
| **[INCOME PAYMENTS (THE INCOME PHASE)](#ie9f48585e73e4951bab8603da6b0ce3f_214)**  | **[31](#ie9f48585e73e4951bab8603da6b0ce3f_214)** |
| &nbsp;&nbsp;[Fixed Income Payments](#ie9f48585e73e4951bab8603da6b0ce3f_217) | [32](#ie9f48585e73e4951bab8603da6b0ce3f_217) |
| &nbsp;&nbsp;[Variable Income Payments](#ie9f48585e73e4951bab8603da6b0ce3f_220) | [32](#ie9f48585e73e4951bab8603da6b0ce3f_220) |
| &nbsp;&nbsp;[Income Options](#ie9f48585e73e4951bab8603da6b0ce3f_223) | [32](#ie9f48585e73e4951bab8603da6b0ce3f_223) |
| **[DEATH BENEFIT](#ie9f48585e73e4951bab8603da6b0ce3f_226)**  | **[33](#ie9f48585e73e4951bab8603da6b0ce3f_226)** |
| &nbsp;&nbsp;[Basic Death Benefit](#ie9f48585e73e4951bab8603da6b0ce3f_229) | [33](#ie9f48585e73e4951bab8603da6b0ce3f_229) |
| &nbsp;&nbsp;[Add-On](#ie9f48585e73e4951bab8603da6b0ce3f_232)[Death Benefit](#ie9f48585e73e4951bab8603da6b0ce3f_232) | [33](#ie9f48585e73e4951bab8603da6b0ce3f_232) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Return of Premium Guaranteed Minimum Death Benefit](#ie9f48585e73e4951bab8603da6b0ce3f_235) | [33](#ie9f48585e73e4951bab8603da6b0ce3f_235) |
| &nbsp;&nbsp;[Payout Options](#ie9f48585e73e4951bab8603da6b0ce3f_247) | [34](#ie9f48585e73e4951bab8603da6b0ce3f_247) |
| &nbsp;&nbsp;[Pre-Selected Payout Options](#ie9f48585e73e4951bab8603da6b0ce3f_250) | [34](#ie9f48585e73e4951bab8603da6b0ce3f_250) |
| &nbsp;&nbsp;[Spousal Continuation Option](#ie9f48585e73e4951bab8603da6b0ce3f_253) | [35](#ie9f48585e73e4951bab8603da6b0ce3f_253) |
| &nbsp;&nbsp;[Death of Owner On or After the Income Date](#ie9f48585e73e4951bab8603da6b0ce3f_256) | [35](#ie9f48585e73e4951bab8603da6b0ce3f_256) |
| &nbsp;&nbsp;[Death of Annuitant](#ie9f48585e73e4951bab8603da6b0ce3f_259) | [35](#ie9f48585e73e4951bab8603da6b0ce3f_259) |
| &nbsp;&nbsp;[Stretch Contracts](#ie9f48585e73e4951bab8603da6b0ce3f_262) | [35](#ie9f48585e73e4951bab8603da6b0ce3f_262) |
| **[TAXES](#ie9f48585e73e4951bab8603da6b0ce3f_265)**  | **[36](#ie9f48585e73e4951bab8603da6b0ce3f_265)** |
| &nbsp;&nbsp;[Contract Owner Taxation](#ie9f48585e73e4951bab8603da6b0ce3f_268) | [36](#ie9f48585e73e4951bab8603da6b0ce3f_268) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Tax-Qualified and Non-Qualified Contracts](#ie9f48585e73e4951bab8603da6b0ce3f_271) | [36](#ie9f48585e73e4951bab8603da6b0ce3f_271) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Non-Qualified Contracts – General Taxation](#ie9f48585e73e4951bab8603da6b0ce3f_274) | [36](#ie9f48585e73e4951bab8603da6b0ce3f_274) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Non-Qualified Contracts – Aggregation of Contracts](#ie9f48585e73e4951bab8603da6b0ce3f_277) | [36](#ie9f48585e73e4951bab8603da6b0ce3f_277) |

---

------

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Non-Qualified Contracts – Withdrawals and Income Payments](#ie9f48585e73e4951bab8603da6b0ce3f_280) | [36](#ie9f48585e73e4951bab8603da6b0ce3f_280) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Non-Qualified Contracts – Required Distributions](#ie9f48585e73e4951bab8603da6b0ce3f_283) | [37](#ie9f48585e73e4951bab8603da6b0ce3f_283) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Non-Qualified Contracts – 1035 Exchanges](#ie9f48585e73e4951bab8603da6b0ce3f_286) | [37](#ie9f48585e73e4951bab8603da6b0ce3f_286) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Tax-Qualified Contracts – Withdrawals and Income Payments](#ie9f48585e73e4951bab8603da6b0ce3f_289) | [37](#ie9f48585e73e4951bab8603da6b0ce3f_289) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Withdrawals – Tax-Sheltered Annuities](#ie9f48585e73e4951bab8603da6b0ce3f_292) | [37](#ie9f48585e73e4951bab8603da6b0ce3f_292) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Withdrawals – Roth IRAs](#ie9f48585e73e4951bab8603da6b0ce3f_295) | [38](#ie9f48585e73e4951bab8603da6b0ce3f_295) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Constructive Withdrawals – Investment Adviser Fees](#ie9f48585e73e4951bab8603da6b0ce3f_298) | [38](#ie9f48585e73e4951bab8603da6b0ce3f_298) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Death Benefits](#ie9f48585e73e4951bab8603da6b0ce3f_301) | [38](#ie9f48585e73e4951bab8603da6b0ce3f_301) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Assignment](#ie9f48585e73e4951bab8603da6b0ce3f_307) | [38](#ie9f48585e73e4951bab8603da6b0ce3f_307) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Diversification](#ie9f48585e73e4951bab8603da6b0ce3f_310) | [38](#ie9f48585e73e4951bab8603da6b0ce3f_310) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Owner Control](#ie9f48585e73e4951bab8603da6b0ce3f_313) | [38](#ie9f48585e73e4951bab8603da6b0ce3f_313) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Withholding](#ie9f48585e73e4951bab8603da6b0ce3f_316) | [39](#ie9f48585e73e4951bab8603da6b0ce3f_316) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Annuity Purchases by Nonresident Aliens and Foreign Corporations](#ie9f48585e73e4951bab8603da6b0ce3f_3386) | [39](#ie9f48585e73e4951bab8603da6b0ce3f_3386) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Definition of Spouse](#ie9f48585e73e4951bab8603da6b0ce3f_3211) | [39](#ie9f48585e73e4951bab8603da6b0ce3f_3211) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Transfers, Assignments or Exchanges of a Contract](#ie9f48585e73e4951bab8603da6b0ce3f_3217) | [39](#ie9f48585e73e4951bab8603da6b0ce3f_3217) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;[Tax Law Changes](#ie9f48585e73e4951bab8603da6b0ce3f_3223) | [39](#ie9f48585e73e4951bab8603da6b0ce3f_3223) |
| &nbsp;&nbsp;[Jackson of NY Taxation](#ie9f48585e73e4951bab8603da6b0ce3f_319) | [39](#ie9f48585e73e4951bab8603da6b0ce3f_319) |
| **[OTHER INFORMATION](#ie9f48585e73e4951bab8603da6b0ce3f_322)**  | **[40](#ie9f48585e73e4951bab8603da6b0ce3f_322)** |
| &nbsp;&nbsp;[Dollar Cost Averaging](#ie9f48585e73e4951bab8603da6b0ce3f_325) | [40](#ie9f48585e73e4951bab8603da6b0ce3f_325) |
| &nbsp;&nbsp;[Dollar Cost Averaging Plus (DCA+)](#ie9f48585e73e4951bab8603da6b0ce3f_328) | [40](#ie9f48585e73e4951bab8603da6b0ce3f_328) |
| &nbsp;&nbsp;[Earnings Sweep](#ie9f48585e73e4951bab8603da6b0ce3f_331) | [41](#ie9f48585e73e4951bab8603da6b0ce3f_331) |
| &nbsp;&nbsp;[Rebalancing](#ie9f48585e73e4951bab8603da6b0ce3f_334) | [41](#ie9f48585e73e4951bab8603da6b0ce3f_334) |
| &nbsp;&nbsp;[Free Look](#ie9f48585e73e4951bab8603da6b0ce3f_337) | [41](#ie9f48585e73e4951bab8603da6b0ce3f_337) |
| &nbsp;&nbsp;[Advertising](#ie9f48585e73e4951bab8603da6b0ce3f_340) | [41](#ie9f48585e73e4951bab8603da6b0ce3f_340) |
| &nbsp;&nbsp;[Modification of Your Contract](#ie9f48585e73e4951bab8603da6b0ce3f_343) | [41](#ie9f48585e73e4951bab8603da6b0ce3f_343) |
| &nbsp;&nbsp;[Confirmation of Transactions](#ie9f48585e73e4951bab8603da6b0ce3f_346) | [41](#ie9f48585e73e4951bab8603da6b0ce3f_346) |
| &nbsp;&nbsp;[Delivery of Fund Reports](#ie9f48585e73e4951bab8603da6b0ce3f_3235) | [42](#ie9f48585e73e4951bab8603da6b0ce3f_3235) |
| &nbsp;&nbsp;[Legal Proceedings](#ie9f48585e73e4951bab8603da6b0ce3f_349) | [42](#ie9f48585e73e4951bab8603da6b0ce3f_349) |
| **[APPENDIX A](#ie9f48585e73e4951bab8603da6b0ce3f_3242)**[(](#ie9f48585e73e4951bab8603da6b0ce3f_3242)[Funds Available Under the Contract](#ie9f48585e73e4951bab8603da6b0ce3f_3242)[)](#ie9f48585e73e4951bab8603da6b0ce3f_3242) | **A-1** |
| **[APPENDIX](#ie9f48585e73e4951bab8603da6b0ce3f_355)[B](#ie9f48585e73e4951bab8603da6b0ce3f_355)**[(Trademarks, Services Marks, and Related Disclosures)](#ie9f48585e73e4951bab8603da6b0ce3f_355) | **B-1** |
| **[APPENDIX](#ie9f48585e73e4951bab8603da6b0ce3f_358)[C](#ie9f48585e73e4951bab8603da6b0ce3f_358)**[(](#ie9f48585e73e4951bab8603da6b0ce3f_358)[Selling Firm](#ie9f48585e73e4951bab8603da6b0ce3f_358)[Support)](#ie9f48585e73e4951bab8603da6b0ce3f_358) | **C-1** |
| **[APPENDIX](#ie9f48585e73e4951bab8603da6b0ce3f_361)[D](#ie9f48585e73e4951bab8603da6b0ce3f_361)**[(GM](#ie9f48585e73e4951bab8603da6b0ce3f_361)[D](#ie9f48585e73e4951bab8603da6b0ce3f_361)[B Prospectus Examples)](#ie9f48585e73e4951bab8603da6b0ce3f_361) | **D-[1](#ie9f48585e73e4951bab8603da6b0ce3f_364)** |
| **[APPENDIX](#ie9f48585e73e4951bab8603da6b0ce3f_364)[E](#ie9f48585e73e4951bab8603da6b0ce3f_364)**[(Historical](#ie9f48585e73e4951bab8603da6b0ce3f_364)[Add-On Benefit](#ie9f48585e73e4951bab8603da6b0ce3f_364)[Charges](#ie9f48585e73e4951bab8603da6b0ce3f_364) | **E-[1](#ie9f48585e73e4951bab8603da6b0ce3f_364)** |
| **[CONTACT US](#ie9f48585e73e4951bab8603da6b0ce3f_373)** | **F-[1](#ie9f48585e73e4951bab8603da6b0ce3f_373)** |
| **[WHERE TO FIND ADDITIONAL INFORMATION](#ie9f48585e73e4951bab8603da6b0ce3f_352)** | **F-[2](#ie9f48585e73e4951bab8603da6b0ce3f_352)** |

---

------

**GLOSSARY**

**These terms are capitalized when used throughout this prospectus because they have special meaning. In reading this prospectus, please refer back to this glossary if you have any questions about these terms.**

**<u>Accumulation Unit</u>** – a unit of measure we use to calculate the value in an Investment Division prior to the Income Date.

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

**<u>Annuity Unit</u>** – a unit of measure we use in calculating the value of a variable annuity payment on and after the Income Date.

**<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 and fixed 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 Month</u>** - the period of time between consecutive monthly anniversaries of the Contract's Issue Date.

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

**<u>Contract Quarter</u>** – the period of time between consecutive three-month anniversaries of the Contract's Issue Date.

**<u>Contract Quarterly Anniversary</u>** – each three-month anniversary of the Contract's Issue Date.

**<u>Contract Value</u>** – the sum of your allocations between the Contract's Investment Divisions and Fixed Account Options.

**<u>Contract Year</u>** – the succeeding 12 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>Fixed Account</u>** – part of our General Account to which the Contract Value you allocate is guaranteed to earn a stated rate of return over the specified period. The Fixed Account consists of the Fixed Account Options.

**<u>Fixed Account Option</u>** – a Contract option within the Fixed Account for a specific period under which a stated rate of return will be credited.

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

**<u>General Account</u>** – the General Account includes all our assets, including any Contract Value allocated to the Fixed Account, which are available to our creditors.

**<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. The Investment Divisions are called variable because the return on investment is not guaranteed.

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

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

**<u>Latest Income Date</u>** – the Contract Anniversary on which the Owner will be 95 years old, or such date allowed by the Company on a non-discriminatory basis or as required by an applicable qualified plan, law or regulation.

**<u>Market Value Adjustment</u>** – an adjustment to the Contract Value that is withdrawn or transferred from a Fixed Account Option before the end of the selected Fixed Account Option period.

**<u>Owner, you or your</u>** – the natural person or legal entity entitled to exercise all rights and privileges under the Contract. Usually, but not always, the Owner is the Annuitant. The Contract allows for the naming of joint Owners. (We do not capitalize "you" or "your" in the prospectus.) 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>Rate Sheet Prospectus Supplement</u>** - a supplement to the prospectus that lists certain values currently applicable to new purchases of add-on benefits.

**<u>Required Minimum Distributions (RMDs)</u> –** for certain qualified contracts, the amount defined under the Internal Revenue Code as the minimum distribution requirement as applied to your Contract only. This definition excludes any withdrawal necessary to satisfy the minimum distribution requirements of the Internal Revenue Code if the Contract is purchased with contributions from a nontaxable transfer after the death of the Owner of a qualified contract.

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

**<u>Separate Account Contract Value</u>** – the current value of the amounts under the Contract allocated to the Separate Account's Investment Divisions.

------

**OVERVIEW OF THE CONTRACT**

**Purpose of the Contract**

The Jackson Retirement Investment Annuity 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. 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.

**Phases of the Contract**

Your Contract has two phases: the accumulation phase, when you make Premium payments to us, and 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:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 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; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a variety of Fixed Account Options, subject to availability, which offer a guaranteed fixed interest rate for a specified period. The Fixed Account Options are not available if you elect certain add-on benefits.

**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.

**Contract Features**

**Accessing your money.** Until you annuitize, you have 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 contract maintenance charge, charges due under any add-on benefit, a Market Value Adjustment, 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 an optional add-on death benefit ("Return of Premium Guaranteed Minimum Death Benefit") under the Contract that provides additional death benefits for an additional fee. This add-on death benefit may increase the amount of money payable to your designated Beneficiaries upon your death.

**Rebalancing.** At no additional charge, you can arrange to have us automatically reallocate your Contract Value among Investment Divisions and the one-year Fixed Account Option (if currently available) periodically to maintain your selected allocation percentages. Certain restrictions apply.

------

**Dollar Cost Averaging.** Alternately, at no additional charge, you may select either (i) Dollar Cost Averaging, which automatically transfers a dollar amount or percentage of money periodically from the one-year Fixed Account Option or any of the Investment Divisions into the Investment Divisions and other Fixed Account Options, or (ii) Dollar Cost Averaging Plus (DCA+), which automatically transfers a dollar amount or percentage of money periodically from the DCA+ Fixed Account Option to Investment Divisions or other Fixed Account Options. Certain restrictions apply.

**Earnings Sweep.** At no additional charge, you can choose to move your earnings from the one-year Fixed Account Option, if currently available, and the JNL/Dreyfus Government Money Market Investment Division to the Investment Divisions. Restrictions apply.

**Contract Adjustments**

**Market Value Adjustment:** A Market Value Adjustment ("MVA") may apply to amounts withdrawn or transferred from the Fixed Account during a Fixed Account Option term. The Market Value Adjustment reflects changes in the level of interest rates since the Issue Date. Market Value Adjustments protect the Company from risks related to the value of the fixed investment instruments supporting the Contract guarantees if amounts are withdrawn prematurely. The Market Value Adjustment shifts the risk from the Company to you.The application of a Market Value Adjustment could result in a reduction in the amount you receive from a withdrawal, and in extreme circumstances, such losses could be as high as 100% of any credited interest. However, a negative Market Value Adjustment will never cause you to lose an of your original investment. A Market Value Adjustment could also increase the amount you receive from a withdrawal in certain market conditions. A Market Value Adjustment will not otherwise affect the values under your Contract.

There is no Market Value Adjustment on: amounts taken from the one-year Fixed Account Option; death benefit payments; payments pursuant to a life contingent income option or an income option resulting in payments spread over at least five years; amounts withdrawn for Contract charges; free withdrawals; amounts removed from any Fixed Account Option on the Latest Income Date and amounts removed from any Fixed Account Option in the 30-day period following the end of a Fixed Account Option. In no event will the amount of a total withdrawal or transfer from the Fixed Account Options be less than the Fixed Account Minimum Value. In the case of a withdrawal or transfer from a Fixed Account Option, the amount withdrawn or transferred will have been credited with interest at a rate at least equal to the Fixed Account minimum interest rate, even if subject to a Market Value Adjustment that otherwise would have reduced it below that rate.

**<u>Advisory Fee Deductions</u>**

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 advisory fees 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, these deductions will reduce both Contract Value and your basic Death Benefit.

If you make a withdrawal to pay advisory fees without setting up direct deductions under our administrative rules, and/or after electing an ineligible add-on benefit, your withdrawal will be treated as a standard partial withdrawal under the Contract. This means, in addition to your Contract Value and any return of premium portion of your basic Death Benefit being reduced, the withdrawal will be subject to any applicable income taxes and penalties and will reduce your add-on benefit(s).

------

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

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|:---|:---|:---|:---|:---|
| | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **FEES AND EXPENSES** | **LOCATION IN PROSPECTUS** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **Yes.** If all or a portion of Contract Value is removed from a Fixed Account Option before the end of the Fixed Account Option term, we will apply a Market Value Adjustment, which may be negative. The Market Value Adjustment applies to partial or total withdrawals, transfers, or annuitizations from a Fixed Account Option prior to the end of the specified Fixed Account Option term. You could lose up to 100% of any credited interest due to this Market Value Adjustment. However, a negative Market Value Adjustment will never cause you to lose any of your original investment. For example, if you allocate $100,000 to a 3-year Fixed Account Option, and earn 2.5% interest annually, after one year your investment has grown to $102,500. If you then withdraw the entire amount after only one year, you could lose up to $2,500 of your credited interest. This loss will be greater if you also have to pay a Withdrawal Charge, taxes, and tax penalties. | **Yes.** If all or a portion of Contract Value is removed from a Fixed Account Option before the end of the Fixed Account Option term, we will apply a Market Value Adjustment, which may be negative. The Market Value Adjustment applies to partial or total withdrawals, transfers, or annuitizations from a Fixed Account Option prior to the end of the specified Fixed Account Option term. You could lose up to 100% of any credited interest due to this Market Value Adjustment. However, a negative Market Value Adjustment will never cause you to lose any of your original investment. For example, if you allocate $100,000 to a 3-year Fixed Account Option, and earn 2.5% interest annually, after one year your investment has grown to $102,500. If you then withdraw the entire amount after only one year, you could lose up to $2,500 of your credited interest. This loss will be greater if you also have to pay a Withdrawal Charge, taxes, and tax penalties. | **Yes.** If all or a portion of Contract Value is removed from a Fixed Account Option before the end of the Fixed Account Option term, we will apply a Market Value Adjustment, which may be negative. The Market Value Adjustment applies to partial or total withdrawals, transfers, or annuitizations from a Fixed Account Option prior to the end of the specified Fixed Account Option term. You could lose up to 100% of any credited interest due to this Market Value Adjustment. However, a negative Market Value Adjustment will never cause you to lose any of your original investment. For example, if you allocate $100,000 to a 3-year Fixed Account Option, and earn 2.5% interest annually, after one year your investment has grown to $102,500. If you then withdraw the entire amount after only one year, you could lose up to $2,500 of your credited interest. This loss will be greater if you also have to pay a Withdrawal Charge, taxes, and tax penalties. | **Charges and Adjustments - Contract Adjustments** |
| **Are There Transaction Charges?** | **Yes.** In addition to the Core Contract Charge and contract adjustments, you also may be charged for other 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. | **Yes.** In addition to the Core Contract Charge and contract adjustments, you also may be charged for other 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. | **Yes.** In addition to the Core Contract Charge and contract adjustments, you also may be charged for other 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. | **<u>Charges and Adjustments- Transfer Charge</u>** |
| **Are There Ongoing Fees and Expenses?**<br>(annual charges) | **Yes.** 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. | **Yes.** 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. | **Yes.** 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>Charges and Adjustments- Add-On Benefit Expenses</u>** |
| **Are There Ongoing Fees and Expenses?**<br>(annual charges) | &nbsp;&nbsp;&nbsp;&nbsp;**ANNUAL FEE** | **MINIMUM** | **MAXIMUM** | |
| **Are There Ongoing Fees and Expenses?**<br>(annual charges) | 1. Base Contract<sup>1</sup> | 0.41% | 0.41% | **<u>Charges and Adjustments- Annual Contract Expenses: Core Contract Charge</u>** |
| **Are There Ongoing Fees and Expenses?**<br>(annual charges) | 2. Fund fees and expenses<sup>2</sup> | 0.21% | 2.08% | **<u>Charges and Adjustments- Fund Expenses</u>** |
| **Are There 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 | **<u>Charges and Adjustments- Add-On Benefit Expenses</u>**<br>**<u>Rate Sheet Prospectus Supplement</u>** |
|  | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet 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 www.jackson.com/product-literature-3.html.  | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet 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 www.jackson.com/product-literature-3.html.  | 1.As a percentage of average daily Contract Value of the Investment Divisions.<br>2.As a percentage of average Fund net assets.<br>3.This prospectus utilizes Rate Sheet 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 www.jackson.com/product-literature-3.html.  |  |
| 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. |

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| | | | |
|:---|:---|:---|:---|
| | &nbsp;&nbsp;**LOWEST ANNUAL COST: See Current Rate Sheet Prospectus Supplement** | **HIGHEST ANNUAL COST: 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, or transfers | 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, or transfers | |
| | **RISKS** | **RISKS** | **Location in Prospectus** |
| **Is There a Risk of Loss from Poor Performance?** | **Yes.** You can lose money by investing in this Contract. | **Yes.** You can lose money by investing in this Contract. | **<u>Principal Risks</u>** |
| **Is this a Short-Term Investment?** | **No.** This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. The benefits of tax deferral also mean the Contract is more beneficial to investors with a long time horizon. Amounts removed from a Fixed Account Option prior to the end of a Fixed Account Option term may also result in a negative Market Value Adjustment.  | **No.** 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. Amounts removed from a Fixed Account Option prior to the end of a Fixed Account Option term may also result in a negative Market Value Adjustment.  | **<u>Principal Risks</u>** |
| **What Are the Risks Associated with the Investment Options?** | 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. Each investment option (Investment Divisions and Fixed Account Options) has its own unique risks. Early withdrawals from a Fixed Account Option are subject to a Market Value Adjustment. You should review the investment options before making an investment decision. | 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. Each investment option (Investment Divisions and Fixed Account Options) has its own unique risks. Early withdrawals from a Fixed Account Option are subject to a Market Value Adjustment. You should review the investment options before making an investment decision. | **<u>Principal Risks</u>** |
| **What Are the Risks Related to the Insurance Company?** | Any obligations (including under the Fixed Account Options), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson of NY. More information about Jackson of NY is available upon request by visiting our website at <u>www.jackson.com</u> or by calling 1-800-599-5651. | Any obligations (including under the Fixed Account Options), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson of NY. More information about Jackson of NY is available upon request by visiting our website at <u>www.jackson.com</u> or by calling 1-800-599-5651. | **<u>Principal Risks</u>** |

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| | | |
|:---|:---|:---|
| | **RESTRICTIONS** | |
| **Are There Restrictions on the Investment Options?** | **Yes.**<br>**Premium Payments.**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The minimum initial Premium payment must be at least $50,000 for a non-qualified plan Contract, or $50,000 for a qualified plan Contract. <br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The minimum subsequent Premium payment must be at least $500 ($50 for an automatic payment plan).<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The maximum aggregate Premium payments you may make without our prior approval is $1 million.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• There is a minimum allocation requirement of $100. <br>**Transfers.**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We reserve the right to charge $25 for each transfer when you transfer money between Investment Divisions in excess of 25 times in a Contract Year.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Jackson of NY may remove or substitute Funds as investment options available under the Contract, and may limit or suspend availability of the Fixed Account Options.<br>**Investment Restrictions.**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Jackson may remove or substitute Funds as investment options available under the Contract, and may limit or suspend availability of the Fixed Account Options. | **<u>Principal Risks</u>** |
| **Are There any Restrictions on Contract Benefits?** | **Yes.** Not all add-on benefits are available through all broker-dealers and may vary by date of purchase. We may modify or discontinue an add-on benefit at any time. | **<u>Benefits Available Under the Contracts</u>** |
| | **TAXES** | |
| **What Are the Contract's Tax Implications?** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Consult with a tax professional to determine the tax implications of an investment in and purchase payments received under this Contract.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If you purchase the Contract through a tax-qualified plan or individual retirement account (IRA), you do not get any additional tax deferral.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½. | **<u>Taxes</u>** |
|  | **CONFLICTS OF INTEREST** |  |
| **How Are Investment**<br>**Professionals**<br>**Compensated?** | 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>** |
| **Should I Exchange My Contract?** | Some investment professionals may have a financial incentive to offer you a new contract in place of the one you own. You should only consider exchanging your Contract if you determine, after comparing the features, fees, and risks of both contracts, that it is in your best interest to purchase the new contract rather than continue to own your existing Contract. | **<u>Non-Qualified Contracts - 1035 Exchanges</u>** |

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**FEES AND EXPENSES TABLES**

**The following tables describe the fees, expenses, and adjustments that you will pay when purchasing, owning and making partial or total withdrawals from an Investment Option or from the Contract. The tables do not reflect any advisory fees paid to third-party financial professionals from Contract Value or other assets of the Owner. If such charges were reflected, the fees and expenses associated with your Contract would be higher. 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.**

Fees and expenses also may apply after the Income Date. For more information, please see "INCOME PAYMENTS (THE INCOME PHASE)" beginning on page [31](#ie9f48585e73e4951bab8603da6b0ce3f_214).

**The first table (and footnotes) describes the fees and expenses that you will pay at the time that you purchase the Contract, take withdrawals from an Investment Option or from the Contract or transfer Contract Value value between Investment Options.**

**Transaction Expenses**

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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 | 0.0% |
| Premium Taxes (Percentage of each Premium)<sup>1</sup> | Maximum | &nbsp;&nbsp;&nbsp;2% |
| Expedited Delivery Charge<sup>2</sup> | Highest Current Charge | &nbsp;&nbsp;&nbsp;$38 |
| Wire Transfers (for withdrawals)<sup>3</sup> | Highest Current Charge | &nbsp;&nbsp;&nbsp;$25 |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>1.&nbsp;&nbsp;&nbsp;&nbsp;</sup>Currently, Premium taxes do not apply.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>2.&nbsp;&nbsp;&nbsp;&nbsp;</sup> We pass the current charges for requested expedited delivery services through to you directly, with no added fees or profits to us. This means these charges are subject to change and are not subject to a maximum. Between Monday and Friday, the current Expedited Delivery Charge is $23. On Saturday, the current Expedited Delivery Charge is $38.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <sup>3.&nbsp;&nbsp;&nbsp;&nbsp;</sup> We pass the current charges for requested wire transfer services through to you directly, with no added fees or profits to us. This means these charges are subject to change and are not subject to a maximum. Currently, standard wire fees are $20, and international wire fees are $25.

**Adjustments**

**The next table describes the adjustments, in addition to any transaction expenses, that apply if all or a portion of the Contract Value is removed from an Index Account Option or from the Contract before the expiration of a specified period.**

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| | |
|:---|:---|
| **Adjustments** | **Maximum Adjustment** |
| Market Value Adjustment Maximum Potential Loss<sup>1</sup> (as a percentage of credited interest) | 100% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1. A Market Value Adjustment may apply to amounts withdrawn or transferred from the Fixed Account prior to the end of the selected Fixed Account Option period. For more information, please see "Market Value Adjustment" beginning on page [21](#ie9f48585e73e4951bab8603da6b0ce3f_3581).

The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses). If you choose to purchase an add-on benefit, you will pay additional charges, as shown below.

**Annual Contract Expenses**

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| | |
|:---|:---|
| **Administrative Charges** | **Maximum**<br>**<u>Charge</u>** |
| Annual Contract Maintenance Charge<sup>1</sup> | &nbsp;&nbsp;$30 |
| **Base Contract Charges <br>(% of average daily account value of Investment Divisions)** | **Maximum**<br>**<u>Charge</u>** |
| Core Contract Charge<sup>2</sup> | &nbsp;&nbsp;0.40% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>1.&nbsp;&nbsp;&nbsp;&nbsp;</sup>This charge is waived on Contract Value of $50,000 or more. This charge is deducted proportionally from your allocations to the Investment Divisions and the Fixed Account either annually (on your Contract Anniversary) or in conjunction with a total withdrawal, as applicable.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>2.&nbsp;&nbsp;&nbsp;&nbsp;</sup>This charge is reduced to 0.35% if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $1 million. If your Contract Value subsequently drops below $1 million on the most recent Contract Quarterly Anniversary, we will reinstate the charge of 0.40%.

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| | |
|:---|:---|
| **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 ("GMDB")<sup>3</sup> | 0.40% |

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<sup>3.&nbsp;&nbsp;&nbsp;&nbsp;</sup>The Return of Premium GMDB is only available to select when purchasing your Contract, and once purchased cannot be cancelled. For more information, please see "Return of Premium Guaranteed Minimum Death Benefit Charge" under "Death Benefit Charges".

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.

**Annual Fund Expenses**

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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, 2025. | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;2.08% |

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**EXAMPLE**

The table below is intended to help you compare the cost of investing in the Investment Divisions with the cost of investing in other annuity policies that offer variable options. These costs include transaction expenses, annual Contract expenses and annual Fund expenses.

The Example assumes all Contract Value is allocated to the Investment Divisions. The Example does not reflect any Contract Adjustment. Your costs could differ from those shown below if you invest in Fixed Account Options.

The Example assumes that you invest $100,000 in the Investment Divisions 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. 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** |
| $2920 | $8948 | $15232 | $32140 | $2920 | $8948 | $15232 | $32140 | $2920 | $8948 | $15232 | $32140 |

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\*Please be aware that, although we show this cost for comparison purposes, you are not allowed to annuitize this Contract within 13 months of the Contract's Issue Date.

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

**PRINCIPAL RISKS**

This section is intended to summarize the principal risks of investing in the Contract. Additional risks and details regarding various risks and benefits of investing in the Contract are described in the relevant sections of the prospectus and SAI.

**Risk of Loss.** You can lose money by investing in the Contract, including loss of principal. Neither the U.S. Government nor any federal agency insures or guarantees your investment in the Contract.

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**Risks Associated with Variable Investment Options.** You bear all the investment risk for amounts allocated to one or more of the Investment Divisions, which invest in underlying Funds. If the Investment Divisions you select increase in value, then your Contract Value goes up; if they decrease in value, your Contract Value goes down. How much your Contract Value goes up or down depends on the performance of the Funds in which your Investment Divisions invest. We do not guarantee the investment results of any Fund. An investment in the Contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected underlying Fund(s), each of which has its own unique risks. You should review the Funds before making an investment decision.

**Short-Term Investment Risk.** The 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, and long-term income also mean that the Contract is more beneficial to investors with a long time horizon.

**Insurance Company Risks.** An investment in the Contract is subject to the risks related to us, Jackson of NY. Any obligations (including those of the Fixed Account), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson of NY. If Jackson of NY experiences financial distress, it may not be able to meet its obligations to you.

**Investment Restrictions.** We reserve the right to limit transfers, and there is a $25 charge per transfer when you transfer your Contract Value between the investment options more than 25 times in a Contract Year. We also reserve the right to terminate certain Contract features such as the Dollar Cost Averaging, Dollar Cost Averaging Plus (DCA+), Earnings Sweep, Rebalancing programs and/or add-on benefits.

We may impose limits on the minimum and maximum amounts that you may invest or other transaction limits that may limit your use of the Contract.

In addition, we reserve the right to remove Investment Divisions or substitute Funds as investment options that are available under the Contract.

**Premium Payment Risk.** Your ability to make additional Premium payments may be restricted under the Contract, depending on the version of the Contract that you own, the add-on benefits that you have elected, and other factors. The maximum aggregate Premiums you may make without our prior approval is $1 million. The payment of subsequent Premiums, depending on market conditions at the time they are made, may or may not contribute to the various benefits under your Contract, including the add-on death benefits or any GMWB. Our right to restrict Premiums to a lesser maximum amount may also affect the benefits under your Contract.

**Fees and Charges.** Deduction of Contract fees and charges, and add-on benefit fees, may result in loss of principal. We reserve the right to increase the fees and charges under the Contract and add-on benefits up to the maximum guaranteed fees and charges stated in your Contract or add-on benefit endorsement and disclosed in the fee table.

**Possible Adverse Tax Consequences.** The tax considerations associated with the Contract vary and can be complicated. The applicable tax rules can differ, depending on the type of Contract, whether non-qualified, traditional IRA, Roth IRA or qualified plan. We cannot provide detailed information on all tax aspects of the Contracts. Moreover, the tax aspects that apply to a particular person's Contract may vary depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how these rules could change. Any change could affect Contracts purchased before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a Contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your Contract or taking other action related to your Contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Contract.

**Business Continuity and Cybersecurity Risk.** We and our service providers and business partners are subject to certain risks, including those resulting from information system failures, cybersecurity incidents, public health crises such as the coronavirus (COVID-19) pandemic, and other disaster events. Such events can adversely impact us and our operations. These risks are common to all insurers and financial service providers. These risks include, among other things, the theft, misuse, corruption and destruction of electronic information, interference with or denial of service, attacks on systems or websites, and other operational disruptions that could severely impede our ability to conduct our business or administer the Contract.

Such events could also adversely affect us by resulting in regulatory fines, litigation, financial losses, and reputational damage. Cybersecurity incidents may also impact the issuers of securities in which the underlying funds invest, which may cause the funds underlying your Contract to lose value. Although we take efforts to protect our systems from cybersecurity incidents, there can be no assurance that we or our service providers will be able to avoid cybersecurity incidents affecting Contract owners in the future. It is also possible that a cybersecurity incident could persist for an extended period of time without detection.

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Additionally, our third-party service providers and other third-parties related to our business (such as financial intermediaries or, in the case of our variable products, underlying funds) are subject to similar risks. Successful implementation and execution of their business continuity policies and procedures are largely beyond our control. Disruptions to their business operations may impair our own business operations.

As of the date of this prospectus, we do not believe that we have experienced a material cyber-attack or other cybersecurity incident. However in 2023, we were notified of a data security incident involving the MOVEit file transfer system used by numerous financial services companies. A third-party vendor uses that software on our behalf to, among other things, identify the deaths of insured persons and annuitants under life insurance policies and annuity contracts. According to that third-party vendor, an unknown actor exploited a MOVEit software flaw to access the vendor's systems and download certain data. Our assessment indicated that personally identifiable information relating to approximately 850,000 of Jackson's customers was obtained by that unknown actor from the third-party vendor's systems. This MOVEit vulnerability has now been rectified. Separately, Jackson experienced unauthorized access to two servers as a result of the MOVEit flaw; however, the scope and nature of the data accessed on those servers was significantly less than the third-party vendor impact. Our assessment was that a subset of information relating to certain partner organizations and individuals, including certain customers of Jackson, was obtained from the two affected servers. We notified affected customers as required by law, and we continue to assess and investigate the overall impact of the incidents. At this time, we do not believe the incidents or related litigation will have a material adverse effect on the business, operations, or financial results of Jackson.

**Add-On Benefits.** Certain benefits are subject to conditions. You may need to make early or excess withdrawals, which have the potential to substantially reduce or even terminate the benefits available under the Contract from the add-on benefits.

The Investment Divisions may perform well enough that you may not need the guarantee that may otherwise be provided by the Contract or by one of the Contract's add-on benefits available for an additional charge.

**Conditions to Contract Benefits.** Certain benefits under the Contract are contingent on several conditions being met. If those conditions are not met, you may not realize a benefit from the Contract or add-on benefit for which you have been charged a fee.

**Alternatives to the Contract.** Other contracts or investments may provide more favorable returns or benefits than the Contract.

**Potentially Harmful Transfer Activity.** The Contract is not designed for frequent transfers by anyone. Frequent transfers between and among Investment Divisions may disrupt the underlying Funds and could negatively impact performance, by interfering with efficient management and reducing long-term returns, and increasing administrative costs. Frequent transfers may also dilute the value of shares of an underlying Fund. Neither the Contracts nor the underlying Funds are meant to promote any active trading strategy, like market timing. Allowing frequent transfers by one or some Owners could be at the expense of other Owners of the Contract. To protect Owners and the underlying Funds, we have policies and procedures to deter frequent transfers between and among the Investment Divisions. (See "Transfers and Frequent Transfer Restrictions—Restrictions on Transfers: Market Timing" for more information.) We cannot guarantee that these policies and procedures will be effective in detecting and preventing all transfer activity that could potentially disadvantage or hurt the rights or interests of other Owners.

**Fixed Account Option Rates.** The rates we declare for the Fixed Account Options may be lower than you would find acceptable.

**Deduction of Advisory Fees from Contract Value.** Currently, we permit you to deduct advisory fees directly from your Contract Value in order to pay third-party financial professionals. This advisory fee is in addition to Contract fees and expenses disclosed in this prospectus. If you elect to pay the advisory fee from your Contract Value, this deduction may reduce the basic death benefit and may be subject to federal and state income taxes and a 10% federal penalty tax. In order to avoid negatively impacting your add-on benefits, we do not permit the deduction of advisory fees from your Contract Value if you have elected any of the available add-on benefits.

**Risk of Loss.** You can lose money by investing in the Contract, including loss of principal. Neither the U.S. Government nor any federal agency insures or guarantees your investment in the Contract.

**Risks Associated with Variable Investment Options.** You bear all the investment risk for amounts allocated to one or more of the Investment Divisions, which invest in underlying Funds. If the Investment Divisions you select increase in value, then your Contract Value goes up; if they decrease in value, your Contract Value goes down. How much your Contract Value goes up or down depends on the performance of the Funds in which your Investment Divisions invest. We do not guarantee the investment results of any Fund. An investment in the Contract is subject to the risk of poor investment performance, and the value of your investment can vary depending on the performance of the selected underlying Fund(s), each of which has its own unique risks. You should review the Funds before making an investment decision.

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**Short-Term Investment Risk.** The 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, long-term income, and living benefit protections also mean that the Contract is more beneficial to investors with a long time horizon.

**Liquidity and Early Withdrawal Risk.** This Contract is designed as a long-term investment for retirement or other long-term financial goals. If you withdraw money from your Contract within the first 7 Complete Years after making a Premium payment, you will be assessed Withdrawal Charges that will reduce the value of your investment. In addition, if you withdrawal amounts from the Fixed Account before the end of your selected Fixed Account Option term, we will apply a Market Value Adjustment, which, if negative, could result in a loss of up to 100% of any credited interest. However, a negative Market Value Adjustment will never cause you to lose any of your original investment. If you need to make early or excess withdrawals, they could substantially reduce or even terminate the benefits available under the Contract. There may be adverse tax consequences if you make early withdrawals under the Contract.

**Insurance Company Risks.** An investment in the Contract is subject to the risks related to us, Jackson. Any obligations (including those of the Fixed Account), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson. If Jackson experiences financial distress, it may not be able to meet its obligations to you.

**Investment Restrictions.** We reserve the right to limit transfers, and there is a $25 charge per transfer when you transfer your Contract Value between the investment options more than 25 times in a Contract Year. We also reserve the right to terminate certain Contract features such as the Dollar Cost Averaging, Dollar Cost Averaging Plus (DCA+), Earnings Sweep, Rebalancing programs and/or add-on benefits.

We may impose limits on the minimum and maximum amounts that you may invest or other transaction limits that may limit your use of the Contract.

In addition, we reserve the right to remove Investment Divisions or substitute Funds as investment options that are available under the Contract.

**Premium Payment Risk.** Your ability to make additional Premium payments may be restricted under the Contract, depending on the version of the Contract that you own, the add-on benefits that you have elected, and other factors. The maximum aggregate Premiums you may make without our prior approval is $1 million. The payment of subsequent Premiums, depending on market conditions at the time they are made, may or may not contribute to the various benefits under your Contract, including the add-on death benefits or any GMWB. Our right to restrict Premiums to a lesser maximum amount may also affect the benefits under your Contract.

**Fees and Charges.** Deduction of Contract fees and charges (including withdrawal charges), negative Contract Adjustments, and add-on benefit fees, may result in loss of principal. We reserve the right to increase the fees and charges under the Contract and add-on benefits up to the maximum guaranteed fees and charges stated in your Contract or add-on benefit endorsement and disclosed in the fee tables.

**Possible Adverse Tax Consequences.** The tax considerations associated with the Contract vary and can be complicated. The applicable tax rules can differ, depending on the type of Contract, whether non-qualified, traditional IRA, Roth IRA or qualified plan. We cannot provide detailed information on all tax aspects of the Contracts. Moreover, the tax aspects that apply to a particular person's Contract may vary depending on the facts applicable to that person. Tax rules may change without notice. We cannot predict whether, when, or how these rules could change. Any change could affect Contracts purchased before the change. Congress may also consider further proposals to comprehensively reform or overhaul the United States tax and retirement systems, which if enacted, could affect the tax benefits of a Contract. We cannot predict what, if any, legislation will actually be proposed or enacted. Before making contributions to your Contract or taking other action related to your Contract, you should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Contract.

**Add-On Benefits.** You may never need or use certain features provided by the Contract. In that case, you may pay for a feature for which you never realize any benefits.

Certain benefits are subject to conditions including waiting periods. You may die before you are able to access certain benefits under the Contract. Alternatively, you may not live long enough to receive enough benefit from the add-on benefits to exceed the amount of the fees you pay for those benefits. You may need to make early or excess withdrawals, which have the potential to substantially reduce or even terminate the benefits available under the Contract from the add-on benefits.

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The Investment Divisions may perform well enough that you may not need the guarantee that may otherwise be provided by the Contract or by one of the Contract's add-on benefits available for an additional charge.

Certain benefits may limit withdrawals or other rights under the Contract. If your Contract includes one of the add-on benefits, withdrawals will reduce the value of the benefits in proportion to the amount of the withdrawal relative to the total Contract Value at the time of withdrawal. Accordingly, under certain circumstances, a withdrawal could reduce the value of a benefit by more than the dollar amount of the withdrawal.

Add-on benefits are available at issue or on your Contract Anniversary. If you do not elect an add-on benefit at issue, it is likely that the rates associated with your add-on benefit, including the Bonus percentages, Guaranteed Withdrawal Balance Adjustment percentages, and Guaranteed Annual Withdrawal Amount percentages may be lower than the rates you would have received if you had elected the add-on benefit at issue. It is also possible that the charge for the add-on benefit elected on your Contract Anniversary may be higher than the charge that would have been applicable if you had elected the add-on benefit at issue. Please note that we may make changes to which add-on benefits are available for election on your Contract Anniversary. For current availability of add-on benefits available for election post-issue, please see the most recent Rate Sheet Prospectus Supplement(s) at <u>www.jackson.com/product-literature-4.html</u> .

**Conditions to Contract Benefits.** Certain benefits under the Contract are contingent on several conditions being met. If those conditions are not met, you may not realize a benefit from the Contract or add-on benefit for which you have been charged a fee.

**Alternatives to the Contract.** Other contracts or investments may provide more favorable returns or benefits than the Contract.

**Potentially Harmful Transfer Activity.** The Contract is not designed for frequent transfers by anyone. Frequent transfers between and among Investment Divisions may disrupt the underlying Funds and could negatively impact performance, by interfering with efficient management and reducing long-term returns, and increasing administrative costs. Frequent transfers may also dilute the value of shares of an underlying Fund. Neither the Contracts nor the underlying Funds are meant to promote any active trading strategy, like market timing. Allowing frequent transfers by one or some Owners could be at the expense of other Owners of the Contract. To protect Owners and the underlying Funds, we have policies and procedures to deter frequent transfers between and among the Investment Divisions. (See "Transfers and Frequent Transfer Restrictions—Restrictions on Transfers: Market Timing" for more information.) We cannot guarantee that these policies and procedures will be effective in detecting and preventing all transfer activity that could potentially disadvantage or hurt the rights or interests of other Owners.

**Fixed Account Option Rates.** The rates we declare for the Fixed Account Options may be lower than you would find acceptable.

**Deduction of Advisory Fees from Contract Value.** Currently, we permit you to deduct advisory fees directly from your Contract Value in order to pay third-party financial professionals. This advisory fee is in addition to Contract fees and expenses disclosed in this prospectus. If you elect to pay the advisory fee from your Contract Value, this deduction may reduce the basic death benefit and may be subject to federal and state income taxes and a 10% federal penalty tax. In order to avoid negatively impacting your add-on benefits, we do not permit the deduction of advisory fees from your Contract Value if you have elected any of the available add-on benefits.

**Business Continuity and Cybersecurity Risk.** We and our service providers and business partners are subject to certain risks, including those resulting from information system failures, cybersecurity incidents, public heath crises such as the coronavirus (COVID-19) pandemic, and other disaster events. Such events can adversely impact us and our operations. These risks are common to all insurers and financial service providers. These risks include, among other things, the theft, misuse, corruption and destruction of electronic information, interference with or denial of service, attacks on systems or websites, and other operational disruptions that could severely impede our ability to conduct our business or administer the Contract.

Such events could also adversely affect us by resulting in regulatory fines, litigation, financial losses, and reputational damage. Cybersecurity incidents may also impact the issuers of securities in which the underlying funds invest, which may cause the funds underlying your Contract to lose value. Although we take efforts to protect our systems from cybersecurity incidents, there can be no assurance that we or our service providers will be able to avoid cybersecurity incidents affecting Contract owners in the future. It is also possible that a cybersecurity incident could persist for an extended period of time without detection.

Additionally, our third-party service providers and other third-parties related to our business (such as financial intermediaries or, in the case of our variable products, underlying funds) are subject to similar risks. Successful implementation and execution of their business continuity policies and procedures are largely beyond our control. Disruptions to their business operations may impair our own business operations.

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**FINANCIAL STATEMENTS**

The financial statements of the Separate Account and Jackson of NY are incorporated by reference in the Statement of Additional Information. The financial statements of the Separate Account include information about all the contracts offered through the Separate Account. The financial statements of Jackson of NY that are included should be considered only as bearing upon the company's ability to meet its contractual obligations under the Contracts. Jackson of NY's financial statements do not bear on the future investment experience of the assets held in the Separate Account. For your copy of the Statement of Additional Information, please contact us at the Jackson of NY Customer Care Center. Our contact information is on the cover page of this prospectus.

**THE ANNUITY CONTRACT**

Your Contract is a contract between you, the Owner, and us. Your Contract is intended to help facilitate your retirement savings on a tax-deferred basis, or other long-term investment purposes, and provides for a death benefit. Purchases under tax-qualified plans should be made for other than tax deferral reasons. Tax-qualified plans provide tax deferral that does not rely on the purchase of an annuity contract. We will not issue a Contract to someone older than age 85. Add-on benefits may have different requirements, as noted.

Your Contract Value will be allocated to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; • the Fixed Account, in which amounts earn a declared rate of interest for a certain period, as may be made available or otherwise limited by us,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; • the Investment Divisions of the Separate Account that invest in underlying Funds.

Your Contract, like all deferred annuity contracts, has two phases:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the **accumulation phase**, the potential growth phase of your investment when you make Premium payments to us, and

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

As the Owner, you can exercise all the rights under your Contract. In general, joint Owners jointly exercise all the rights under the Contracts. In some cases, such as telephone and internet transactions, joint Owners may authorize each joint Owner to act individually. On jointly owned Contracts, correspondence and required documents will be sent to the address of record of the primary Owner.

You can assign your Contract at any time during your lifetime, but we will not be bound until we receive written notice of the assignment (there is an assignment form) in Good Order. An assignment may be a taxable event. Your ability to change ownership is limited on Contracts with a For Life GMWB. Please contact the Jackson of NY Customer Care Center for help and more information.

The Contract is an individual flexible Premium variable and fixed deferred annuity and may be issued as an individual contract. This prospectus provides a description of the material rights and obligations under the Contract. Your Contract and any add-on benefit endorsements are the formal contractual agreement between you and the Company.

**JACKSON OF NY**

The obligations under the Contract (including Fixed Account obligations, death benefits, or other benefits available under the Contract) are obligations of Jackson of NY and are subject to Jackson of NY's claims-paying ability and financial strength. Jackson of NY's principal business address is 2900 Westchester Avenue, Purchase, New York 10577.

We do not file periodic reports, in reliance on Rule 12h-7 under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), which exempts certain issuers of securities that are subject to insurance regulations from filing periodic reports pursuant to Section 15(d) of the Exchange Act.

**THE FIXED ACCOUNT**

*Contract Value that you allocate to a Fixed Account Option will be placed with other assets in our General Account. Unlike the Separate Account, the General Account is not segregated or insulated from the claims of the insurance company's creditors. Investors are looking to the financial strength of the insurance company for its obligations under the Contract, including, for example, guaranteed minimum death benefits and guaranteed minimum withdrawal benefits. The Fixed Account is not registered with the SEC.* 

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*Disclosures regarding the Fixed Account, however, may be subject to the general provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses. For more information, please see the application, check with the financial professional helping you to purchase the Contract, or contact us at our Jackson of NY Customer Care Center.*

A Fixed Account Option credits interest to your Contract Value in the Fixed Account for a specified period that you select, subject to availability (and we reserve the right, in our sole discretion, to limit or suspend availability of the Fixed Account Options), so long as the Contract Value in that Fixed Account Option is not withdrawn or transferred until the end of the specified period. Currently we offer a 1-year Fixed Account Option . We may, from time to time, make additional Fixed Account Options available for election. Please check with your financial professional for current Fixed Account Option availability. You may not elect any Fixed Account Option that extends beyond the Income Date, other than the one-year option; and election of the one-year option will not extend the Income Date. Rather, commencing on the Income Date, we will cease to credit interest under any one-year Fixed Account Option that has not yet reached the end of its term.

Information regarding the features of the Fixed Account Option(s), including (i) name, (ii) term, and (iii) minimum guaranteed interest rates are available in Appendix A: Investment Options Available Under the Contract.

*Rates of Interest We Credit.* The Contracts guarantee a Fixed Account minimum interest rate that applies to every Fixed Account Option under any Contract, regardless of the term of that option. The Fixed Account minimum interest rate guaranteed by the Contracts at least equals the minimum rate prescribed by the applicable nonforfeiture law. In addition, we establish a declared rate of interest ("base interest rate") at the time you allocate any Premium payment or other Contract Value to a Fixed Account Option, and that base interest rate will apply to that allocation for the entire term of the Fixed Account Option that you select. To the extent that the base interest rate that we establish for any allocation is higher than the Fixed Account minimum interest rate, we will credit that allocation with the higher base interest rate. Thus, the declared base interest rate could be greater than the guaranteed Fixed Account minimum interest rate specified in your Contract, but will never cause your allocation to be credited at less than the currently applicable Fixed Account minimum interest rate. We may declare different base interest rates at different times, although any new base interest rate Jackson of NY declares for a Fixed Account Option will apply only to Premiums or other amounts allocated to that Fixed Account Option after the new rate goes into effect.

The Fixed Account minimum interest rate will be a rate, credited daily, that will be reset every January pursuant to a formula that is prescribed under applicable state nonforfeiture laws and that is set forth in the Contracts. Specifically, the Fixed Account minimum interest rate will be reset each January to equal the average of the daily five-year Constant Maturity Treasury Rates reported by the Federal Reserve for the preceding October (rounded to the nearest 1/20 of a percent), less 1.25%, *provided* that the Fixed Account minimum interest rate will never be less than 1% or more than 3%. As noted above, these limits are prescribed by state nonforfeiture laws and set forth in the Contracts **.** This means that the Fixed Account minimum interest rate applicable to your Contract will in no case ever exceed a maximum of 3%. Your Contract's initial Fixed Account minimum interest rate will be stated in your Contract, and will be the rate that is in effect on the Contract's Issue Date pursuant to the preceding formula. Thereafter, on the Contract Monthly Anniversary in each January, the Fixed Account minimum interest rate will be reset in accordance with the formula above. The current Fixed Account minimum interest rate is equal to the current minimum non-forfeiture rate of 2.40%.

If you allocate a Premium payment or other Contract Value to a Fixed Account Option, the Fixed Account minimum interest rate in effect at the time of the allocation will apply to that allocation until the reset of the Fixed Account minimum interest rate on the next Contract Monthly Anniversary in January. At that point, the Fixed Account minimum interest rate will be reset according to the formula detailed above, which could change the amount of interest you earn thereafter on that allocation. Thus, if the new Fixed Account minimum interest rate is higher than the rate previously being credited to your allocation to a Fixed Account Option, the interest rate being credited may increase to that new higher rate. On the other hand, if the new Fixed Account minimum interest rate is lower than the rate being credited to your allocation, the interest rate being credited may decrease to that lower rate, but will never fall below the base interest rate. We will advise you of any new Fixed Account minimum interest rate in the fourth quarter report for the calendar year preceding the January Contract Monthly Anniversary on which the change occurs.

For the most current information about applicable interest rates, you may contact your financial professional or our Jackson of NY Customer Care Center (at the address and phone number on the cover page of this prospectus).

*Market Value Adjustment.* A Market Value Adjustment may apply to amounts withdrawn or transferred from a Fixed Account Option prior to the end of the specified period. You could lose a significant amount of money due to this Market Value Adjustment, if negative. The Market Value Adjustment reflects changes in the level of interest rates since the beginning of the Fixed Account Option period. Market Value Adjustments protect the Company from risks related to the value of the fixed investment instruments supporting the Contract guarantees if amounts are withdrawn prematurely. The Market Value Adjustment shifts the risk from the Company to you. The application of a Market Value Adjustment could result in a reduction in the amount you receive from a withdrawal, and in extreme circumstances, such losses could be as high as 100% of any credited interest. However, a negative Contract Adjustment will

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never cause you to lose any of your original investment. A Market Value Adjustment could also increase the amount you receive from a withdrawal in certain market conditions. A Market Value Adjustment will not otherwise affect the values under your Contract.

There is no Market Value Adjustment on: amounts taken from the one-year Fixed Account Option; death benefit payments; amounts annuitized; amounts withdrawn for Contract fees or charges; amounts required to satisfy required minimum distributions; amounts removed from any Fixed Account Option on the Latest Income Date; and amounts removed from any Fixed Account Option in the 30-day period following the end of a Fixed Account Option. In no event will the amount of a total withdrawal or transfer from the Fixed Account Options be less than the Fixed Account Minimum Value. The Fixed Account Minimum Value at least equals the minimum value prescribed by the applicable nonforfeiture law. The Fixed Amount minimum value for any Fixed Account Option is Premium (net of any applicable Premium tax) and transfers allocated to the Fixed Account Option, less transfers, withdrawals, and charges, from the Fixed Account Option, accumulated at the Fixed Account minimum interest rate, less any recapture charges or tax due. In the case of a withdrawal or transfer from a Fixed Account Option, the amount withdrawn or transferred will have been credited with interest at a rate at least equal to the Fixed Account minimum interest rate, even if subject to a Market Value Adjustment that otherwise would have reduced it below that rate.

For more information on Market Value Adjustments, please see "Market Value Adjustment" beginning on page [21](#ie9f48585e73e4951bab8603da6b0ce3f_3581).

*End of Fixed Account Option Periods.* Whenever a specified period ends, you will have 30 days to transfer or withdraw the Contract Value in the Fixed Account Option, and there will not be a Market Value Adjustment. If you do nothing, then after 30 days, the Contract Value that remains in that Fixed Account Option will be subject to another specified period of the same duration, subject to availability, and provided that that specified period will not extend beyond the Income Date. If such a new Fixed Account Option would extend beyond the Income Date, we will use the longest Fixed Account Option that does not extend beyond the Income Date; or (if less than 1 year remains until the Income Date) we will credit interest at the current interest rate under the one-year Fixed Account Option up to the Income Date. If the specified period of the same duration that has ended is no longer available, we will use the next shortest period that is then available.

*Additional Information Concerning the One-Year Fixed Account Option.* Please also refer to "Transfers and Frequent Transfer Restrictions" later in this prospectus for information about certain restrictions, limits and requirements that may apply (or may in the future apply) to transfers to or from the Fixed Account Options. In particular, we describe certain additional restrictions that may apply with respect to transfers from the one-year Fixed Account Option, including the possibility that you might not be able to transfer all of your Contract Value out of the one-year Fixed Account Option for at least three years. Accordingly, **before allocating any Premium payments or other Contract Value to the one-year Fixed Account Option, you should consider carefully the conditions we may impose upon your use of that option.**

The **DCA+ Fixed Account Option, if available,** offers a fixed interest rate that we guarantee for a period of up to one year in connection with dollar-cost-averaging transfers to one or more of the Investment Divisions or systematic transfers to other Fixed Account Options. From time to time, we will offer special interest rates on the DCA+ Fixed Account Option. The DCA+ Fixed Account Option is only available for new Premiums. We provide more information about Dollar Cost Averaging, including DCA+, under "Other Information" later in this prospectus.

**THE SEPARATE ACCOUNT**

The Separate Account is a segregated asset account we established to receive and invest Premium payments made under the Contracts and allocated to the Investment Divisions. The Investment Divisions, in turn, purchase shares of the underlying Funds.

The assets of the Separate Account legally belong to us and the obligations under the Contracts are our obligations. However, we are not allowed to use the Contract assets in the Separate Account to pay our liabilities arising out of any other business we may conduct. All of the income, gains and losses credited to or charged against the Separate Accounts reflect the Separate Account's own investment experience and not the investment experience of Jackson of NY's other assets. Jackson of NY is obligated to pay all amounts promised to investors under the Contracts.

The Separate Account is divided into Investment Divisions. We do not guarantee the investment performance of the Separate Account or any of its Investment Divisions. The Funds in which the Investment Divisions currently invest are listed in Appendix A of this prospectus.

**INVESTMENT DIVISIONS AND FUNDS**

Your Contract Value may be allocated to no more than 99 Investment Divisions and Fixed Account Options at any one time. Each Investment Division purchases the shares of one underlying Fund (mutual fund portfolio) that has its own investment objective. The Investment Divisions are designed to offer the potential for a higher return than the Fixed Account. **However, this is not guaranteed.** 

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**It is possible for you to lose your Contract Value allocated to any of the Investment Divisions.** If you allocate Contract Values to the Investment Divisions, the amounts you are able to accumulate in your Contract during the accumulation phase depend upon the performance of the Investment Divisions you select. The amount of the income payments you receive during the income phase also will depend, in part, on the performance of the Investment Divisions you choose for the income phase.

This prospectus describes the Investment Divisions that we currently offer under the Contract. Certain broker-dealers selling the Contracts may limit the Investment Divisions that are available to their customers. The underlying Funds, along with their respective type, investment adviser (and any sub-adviser(s)), current expenses, and performance are listed in Appendix A. More detailed information about the Funds is available in the prospectus for the JNL Series Trust, which may be amended from time to time. The summary prospectuses for the Funds and prospectus for the JNL Series Trust may also be obtained at no charge by calling 1-800-599-5651 (Jackson of NY Customer Care Center), by writing P.O. Box 24068, Lansing, Michigan 48909-4068, by visiting <u>www.jackson.com</u> , or by sending an email request to ProspectusRequest@jackson.com. Additional Funds and Investment Divisions may be available in the future.

Certain Funds in which the Investment Divisions invest are each known as a Fund of Funds. Funds offered in a Fund of Funds structure may have higher expenses than direct investments in the underlying Funds. You should read the summary prospectus for the Funds and/or the prospectus for the JNL Series Trust for more information.

The investment objectives and policies of certain Funds are similar to the investment objectives and policies of other mutual funds that the Fund's investment sub-advisers also manage. Although the objectives and policies may be similar, the investment results of the Fund may be higher or lower than the results of those other mutual funds. We cannot guarantee, and make no representation, that the investment results of similar Funds will be comparable even though the Funds have the same investment sub-advisers. The Funds described are available only through variable annuity Contracts issued by Jackson of NY. They are NOT offered or made available to the general public directly.

A Fund's performance may be affected by risks specific to certain types of investments, such as foreign securities, derivative investments, non-investment grade debt securities, initial public offerings (IPOs) or companies with relatively small market capitalizations. IPOs and other investment techniques may have a magnified performance impact on a Fund with a small asset base. A Fund may not experience similar performance as its assets grow.

All of the Funds are managed and administered by Jackson National Asset Management, LLC ("JNAM"), an affiliate of Jackson. For certain Funds, JNAM has entered into sub-advisory agreements with one or more other investment advisers (the "sub-advisers") to provide certain investment advisory services to the Funds. Among other responsibilities, JNAM oversees the activities of the sub-advisers with respect to such Funds and is responsible for evaluating the services of those sub-advisers. In addition, for the Funds of Funds and feeder funds, JNAM implements the investment program by, among other things, selecting the respective Underlying Funds, ETFs and master funds.

We generally select the Funds to provide a range of investment options for persons invested in the Contracts from conservative to more aggressive investment strategies. In addition, we may consider the potential risk to us of offering a Fund in light of the benefits provided by the Contract. We and our affiliates receive payments or compensation from the Funds or their service providers in connection with management, administration, distribution, and other services we and our affiliates provide with respect to the Funds. These payments to Jackson and our affiliates may be a factor we consider in our selection of the Funds.

Subject to any applicable legal requirements, selection of the Funds is solely within our discretion, based on the foregoing or other considerations.

We do not provide investment advice, and we do not recommend or endorse any particular Investment Division or Fund. You bear the risk of any decline in your Contract Value resulting from the performance of the Investment Divisions you have chosen.

**You should read the summary prospectuses for the Funds and/or the prospectus for the JNL Series Trust carefully before investing.** 

**Voting Privileges.** To the extent required by law, we will obtain instructions from you and other Owners about how to vote our shares of a Fund when there is a vote of shareholders of a Fund. We will vote all the shares we own in proportion to those instructions from Owners. An effect of this proportional voting is that a relatively small number of Owners may determine the outcome of a vote.

**Substitution.** We reserve the right to substitute a different Fund or a different mutual fund for the one in which any Investment Division is currently invested. We will not do this without any required approval of the SEC. We will give you notice of any substitution.

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**BENEFITS AVAILABLE UNDER THE CONTRACTS**

The following tables summarize information about the benefits available under the Contract. 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-3.html</u>. For a list of historical add-on benefit charges, please see "Appendix E (Historical Add-On Benefit Charges)."

**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 of NY 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. |

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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** |
| **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 average daily account value of Investment Divisions) | &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;• 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.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Available to Owners aged 85 or less. |

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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 and the one-year Fixed Account Option (if currently available) periodically to maintain your selected allocation percentages. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Rebalancing will terminate if your rebalancing program includes the one-year Fixed Account Option and we impose any transfer restrictions or requirements on the one-year Fixed Account Option. |
| **Dollar Cost Averaging** | Automatically transfers a dollar amount or percentage of money periodically from the one-year Fixed Account Option or any of the Investment Divisions into the Investment Divisions and other Fixed Account Options. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Restrictions may apply if we impose any transfer restrictions on the one-year Fixed Account Option You may cancel your Dollar Cost Averaging program using whatever methods you use to change your allocation instructions. |
| **Dollar Cost Averaging Plus (DCA+)** | If available, offers a fixed interest rate that we guarantee for a period of up to one year in connection with systematic transfers from the DCA+ Fixed Account Option to one or more of the Investment Divisions or other Fixed Account Options. From time to time, we will offer special enhanced rates on the DCA+ Fixed Account Option. |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Restrictions may apply if we impose any transfer restrictions on the one-year Fixed Account Option.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The DCA+ Fixed Account Option is only available for new Premiums.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• A Contract Value of $15,000 is required to participate. |
| **Earnings Sweep** | Allows you to choose to move your earnings from the source accounts (only applicable from the one-year Fixed Account Option, if currently available, and the JNL/Dreyfus Government Money Market Investment Division). |  | &nbsp;&nbsp;&nbsp;&nbsp;&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.  |
| **Capital Protection Program** | Allocates enough of your premium to the Fixed Account Option you select to assure that the amount so allocated will equal, at the end of a selected period of 1, 3, 5, or 7 years, your total original Premium paid. You may allocate the rest of your Premium to any Investment Division(s) |  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Effective October 21, 2024, the benefit is no longer available<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If any part of the Fixed Account value is withdrawn or transferred before the end of the selected period, the value at the end of that period will not equal the original Premium.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• This program is available only if Fixed Account Options are available.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Only available at issue. |

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**CHARGES AND ADJUSTMENTS**

There are charges and adjustments associated with your Contract, the deduction of which will reduce the investment return of your Contract. Charges are generally deducted proportionally from your Contract Value. Some of these charges are for add-on benefits, as noted, so they are deducted from your Contract Value only if you elected to add that add-on benefit to your Contract. These charges may be a lesser amount where required by state law or as described below, but will not be increased. We expect to profit from certain charges assessed under the Contract. These charges (and certain other expenses) are as follows:

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**TRANSACTION EXPENSES**

**Transfer Charge.** We deduct **$25** for each transfer in excess of 25 in a Contract Year. For this purpose, all transfers that are processed on the same Business Day will be considered as one transfer. This charge is deducted from the amount that is transferred prior to the allocation to a different Investment Division or the Fixed Account, as applicable. The charge compensates us for the administrative cost associated with the transfers. We waive the transfer charge in connection with Dollar Cost Averaging, Earnings Sweep, Rebalancing transfers and any transfers we require.

**Expedited Delivery Charge.** When you request expedited delivery of any withdrawal amounts, there are additional charges assessed for this service. We pass the current charges for requested expedited delivery services through to you directly, with no added fees or profits to us. This means these charges are subject to change and are not subject to a maximum. The current charge for standard overnight delivery is $10. The current charge for overnight delivery on Saturday is $22.50.

**Wire Transfer Charge.** We pass the current charges for requested wire transfer services through to you directly, with no added fees or profits to us. This means these charges are subject to change and are not subject to a maximum. We currently charge $20 for standard wire transfers and $25 for international wire transfers in connection with requested withdrawals.

**Premium Taxes.** Your state may charge us Premium taxes or other similar taxes of up to 2% of a Premium payment. When required, we pay these taxes and may make a deduction from your Contract Values for them. Currently, Premium taxes do not apply. Premium tax is currently not charged back to the Contract, however, the Company reserves the right to deduct any amounts advanced to pay taxes from the Contract Value.

**Income Taxes.** We reserve the right, when calculating unit values, to deduct a credit or charge with respect to any taxes we have paid or reserved for during the valuation period that we determine to be attributable to the operation of the Separate Account, or to a particular Investment Division. No federal income taxes are applicable under present law, and we are not presently making any such deduction.

**Advisory Fees.** Currently, we permit you to deduct advisory fees directly from your Contract Value in order to pay third-party financial professionals. This advisory fee is in addition to Contract fees and expenses disclosed in this prospectus. If you elect to pay the advisory fee from your Contract Value, this deduction may reduce the basic death benefit and may be subject to federal and state income taxes and a 10% federal penalty tax. In order to avoid negatively impacting your add-on benefits, Jackson of NY does not permit the deduction of advisory fees from your Contract Value if you have elected any of the available add-on benefits.

In order to have advisory fees deducted directly from your Contract Value, you must submit written authorization on a form acceptable to us, authorizing us to accept and execute instructions from your third-party financial professional to make withdrawals from your Contract to pay the advisory fees pursuant to a written agreement between you and your third-party financial professional. Payment of such fees will be treated as a withdrawal under the terms of your Contract. Withdrawals from the Contract for the payment of advisory fees are subject to all contractual provisions and other restrictions and penalties otherwise applicable generally to such withdrawals including minimum withdrawal requirements and Market Value Adjustments. These withdrawals are processed as net withdrawals, pro-rata from the investment options in which you are currently allocated. Requests for withdrawal of advisory fees will be processed on the Business Day in which they are received by us in Good Order. Our current practice requires your third-party financial professional to provide us with the percentage and Contract Value amount it used to calculate the fee. Advisory fees may not exceed an amount equal to an annual rate of 1.5% of your Contract's cash value, which is the amount you could receive upon total withdrawals after all fees and adjustments have been assessed. You may terminate authorization for the direct deduction of advisory fees at any time by providing us with written notice of such termination.

**ANNUAL CONTRACT EXPENSES**

**Core Contract Charge.** Each day, as part of our calculation of the value of the Accumulation Units and Annuity Units, we make a deduction for the Core Contract Charge. On an annual basis, this charge equals **0.40%** of the average daily net asset value of your allocations to the Investment Divisions. This charge does not apply to the Fixed Account.

This charge is reduced to 0.35% if the Contract Value on the later of the Issue Date or the most recent Contract Quarterly Anniversary is greater than or equal to $1 million. If your Contract Value subsequently drops below $1 million on the most recent Contract Quarterly Anniversary, the charge will be reinstated to 0.40%.

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This charge compensates us for our expenses associated with administration of the Contracts and the Separate Account, acquisition of business including marketing expenses, risks we assume in connection with the Contracts, and costs associated with providing Contract benefits. We pay the operating expenses of the Separate Account, including those not covered by the Core Contract Charge.

**Annual Contract Maintenance Charge.** During the accumulation phase, we deduct a **$30** annual contract maintenance charge on each anniversary of the Issue Date. We will also deduct the annual contract maintenance charge if you make a total withdrawal. This charge is for administrative expenses in addition to those covered by the Core Contract Charge. The annual contract maintenance charge will be assessed on the Contract Anniversary or upon total withdrawal and is taken from the Investment Divisions and the Fixed Account Options based on the proportion their respective value bears to the Contract Value. We will not deduct this charge if the value of your Contract is $50,000 or more.

**ADD-ON BENEFIT EXPENSES**

**Death Benefit Charges.** There is no additional charge for the Contract's basic death benefit. However, for an additional charge, you may select the Contract's available add-on death benefit in place of the basic death benefit.

***Return of Premium Guaranteed Minimum Death Benefit Charge.*** If you select the Return of Premium Guaranteed Minimum Death Benefit, you will pay a maximum charge of 0.40%, on an annual basis, of the average daily net asset value of your allocations to the Investment Divisions. Current charges are disclosed in a Rate Sheet Prospectus Supplement. To obtain a copy, please visit <u>www.jackson.com/product-literature-3.html</u>. For a list of historical add-on benefit charges, please see "Appendix E (Historical Add-On Benefit Charges)."

On each fifth Contract Anniversary, we reserve the right to increase the charge percentage by 0.05% annually, subject to the maximum annual charge noted above. If the GMDB charge is to increase, a notice will be sent to you 45 days prior to the Contract Anniversary. You may then elect to opt out of the current charge increase and any future charge increases. **Upon such election, no future Premium payments will be allowed.** While electing to discontinue future Premium payments will prevent an increase in charge, you will be foregoing possible increases in your GMDB so carefully consider this decision should we notify you of a charge increase. Such election is final. All elections must be received by us in Good Order prior to the Contract Anniversary.

For more information about how the endorsement works, including this benefit's GMDB Benefit Base, please see "Return of Premium Guaranteed Minimum Death Benefit" under "Add-On Death Benefits", beginning on page [33](#ie9f48585e73e4951bab8603da6b0ce3f_235).

**CONTRACT ADJUSTMENTS**

**Market Value Adjustment.** A Market Value Adjustment ("MVA") may apply to amounts withdrawn or transferred from a Fixed Account Option prior to the end of the specified period. The Market Value Adjustment reflects changes in the level of interest rates since the beginning of the Fixed Account Option period. Market Value Adjustments protect the Company from risks related to the value of the fixed investment instruments supporting the Contract guarantees if amounts are withdrawn prematurely. The Market Value Adjustment shifts the risk from the Company to you.

In order to determine whether there will be a Market Value Adjustment, we first consider the base interest rate of the Fixed Account Option from which you are removing Contract Value as a withdrawal or transfer. As discussed in the section titled "The Fixed Account" beginning on page #, in the subsection titled "Rates of Interest we Credit," the base interest rate is a rate which we declare at the time you allocate any amount to a Fixed Account Option and which we credit to that Fixed Account Option if and when such base interest rate is higher than the Fixed Account minimum interest rate. The Market Value Adjustment is based on the relationship of the base interest rate on your Fixed Account Option to the current new business interest rate, which is a rate that we use solely for purposes of calculating the amount of any Market Value Adjustment. The current new business interest rate is 0.25% per annum greater than the base interest rate we are then offering for new allocations to Fixed Account Options with the same duration as your Fixed Account Option. If we are not offering that duration at the time of your withdrawal or transfer, we will estimate a base interest rate for that duration based on the closest durations that we are then offering.

If the base interest rate available for allocations into a new Fixed Account Option at the time of your withdrawal or transfer is *higher* than the base interest rate declared at the time of your allocation to a Fixed Account Option, a *negative* adjustment to the amount withdrawn or transferred may apply, which would *reduce* the amount paid or transferred. If the base interest rate available for allocations into a new Fixed Account Option at the time of withdrawal or transfer is *lower* than the base interest rate declared at the time of your allocation to a Fixed Account Option, a *positive* adjustment to the amount withdrawn or transferred may apply, which would *increase* the amount paid or transferred. There will be no Market Value Adjustment if the two rates are the same.

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If the current new business interest rate is greater than the base interest rate for the Fixed Account Option from which the amount is removed, there will be no Market Value Adjustment if the difference between the two is less than 0.25%. This limitation avoids decreases in the amount paid or transferred in situations where the general level of interest rates has declined but the current new business interest rate nevertheless exceeds the base interest rate for your Fixed Account Option because of the additional 0.25% that is added when determining the current new business interest rate (as described above).

**The application of a Market Value Adjustment could result in a reduction in the amount you receive from a withdrawal, and in extreme circumstances, such losses could be as high as 100% of any credited interest. However, a negative Market Value Adjustment will never cause you to lose any of your original investment.** The maximum loss would only occur if interest rates have risen dramatically between the date your Contract was issued and the time of your total withdrawal. A Market Value Adjustment will not otherwise affect the values under your Contract. Please see the SAI for an illustration of how an MVA impacts your withdrawals and contract values.

There is no Market Value Adjustment on: amounts taken from the one-year Fixed Account Option; death benefit payments; payments pursuant to a life contingent income option or an income option resulting in payments spread over at least five years; amounts withdrawn for Contract charges; free withdrawals; amounts removed from any Fixed Account Option on the Latest Income Date and amounts removed from any Fixed Account Option in the 30-day period following the end of a Fixed Account Option. In no event will the amount of a total withdrawal or transfer from the Fixed Account Options be less than the Fixed Account Minimum Value. In the case of a withdrawal or transfer from a Fixed Account Option, the amount withdrawn or transferred will have been credited with interest at a rate at least equal to the Fixed Account minimum interest rate, even if subject to a Market Value Adjustment that otherwise would have reduced it below that rate.

The following example illustrates how the Fixed Account Minimum Value may affect a Market Value Adjustment on a total withdrawal. If you allocated your $10,000 initial Premium to the Fixed Account and your declared rate of interest was 3%, after one year (assuming no other transactions) your Contract Value in the Fixed Account would be $10,300. If the Fixed Account minimum interest rate was 1%, your Fixed Account Minimum Value would be $10,100. In this case, a Market Value Adjustment could not reduce the withdrawal by more than $200 (the difference between your Contract Value in the Fixed Account and the Fixed Account Minimum Value). For example, if you request a total withdrawal (gross amount of $10,300) and it is subject to a $100 negative Market Value Adjustment, the withdrawal amount would be adjusted to $10,200. However, if it were subject to a negative $500 Market Value Adjustment, the withdrawal would be adjusted to $10,100 (i.e. the Fixed Account Minimum Value), so that it does not invade the Fixed Account Minimum Value. Immediately after the latter withdrawal example, there will be no difference between your Contract Value in the Fixed Account and Fixed Account Minimum Value, and no negative Market Value Adjustments will apply on subsequent withdrawals until the Contract Value in the Fixed Account grows to be larger than the Fixed Account Minimum Value.

**FUND EXPENSES**

Fund fees and expenses are deducted from and paid out of the assets of the Funds. The value of the assets of the Investment Divisions will indirectly reflect the Funds' total fees and expenses. The Funds' total fees and expenses are not part of the Contract. They may vary in amount from year to year. The Funds' fees and expenses are described in the summary prospectus for each Fund.

**DISTRIBUTION OF CONTRACTS**

Jackson National Life Insurance Company of New York ("Jackson of NY"), located at 2900 Westchester Avenue, Purchase, New York 10577, is the issuer for these Contracts. Jackson National Life Distributors LLC ("JNLD"), located at 300 Innovation Drive, Franklin, Tennessee 37067, serves as the distributor of the Contracts. JNLD also serves as distributor of other variable insurance products issued by Jackson of NY and its parent, Jackson National Life Insurance Company ("Jackson"). JNLD also sells variable annuities directly to accounts advised by fiduciaries i.e. professional trustees (trust companies) or banks and registered investment advisors.

JNLD is a wholly owned subsidiary of Jackson. JNLD is registered as a broker-dealer with the Securities and Exchange Commission under the Securities Exchange Act of 1934 and is a member of the Financial Industry Regulatory Authority ("FINRA"). For more information on broker-dealers and their registered representatives, you may use the FINRA BrokerCheck program via telephone (1-800-289-9999) or the Internet (http://brokercheck.finra.org).

The Contracts are offered to customers of various selling firms, brokerage firms and their affiliate insurance agencies (each a "Selling Firm," collectively "Selling Firms"). Selling Firms do not include Registered Investment Advisors who are independent of broker-dealers or brokers. No Selling Firm or Registered Investment Advisor has any legal responsibility to pay amounts that are owed under the Contracts. The obligations and guarantees under the Contracts are the sole responsibility of Jackson of NY. The Selling Firms are

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responsible for delivery of various related disclosure documents and the accuracy of their oral description and suitable recommendation of the purchase of the Contracts.

No commissions are paid to the Selling Firms that sell the Contracts. However, the Selling Firms or their representatives may charge you an investment advisory or similar fee under an agreement you have with them independent of Jackson of NY or JNLD. The Selling Firm or their representatives determine the amount of the fee that will be charged and the amounts charged may vary based upon the practices of each Selling Firm. There may be tax and Contract implications, including adverse effects on Contract benefits, if you elect to have such fees withdrawn directly from the Contract. Selling Firms providing such advisory services are acting solely on your behalf. Neither Jackson of NY nor JNLD offer advice on how to allocate your Contract Value and we are not responsible for any advice your investment adviser provides to you. Neither Jackson of NY nor JNLD in its role as the distributor endorses any investment advisers nor make any representations as to their qualifications.

Under certain circumstances, JNLD and/or Jackson of NY or our affiliates may make payments to Selling Firms in connection with the sale of Jackson and Jackson of NY variable insurance products. These payments and/or reimbursements are in recognition of marketing, distribution, and/or administrative support provided by the Selling Firm and may not be offered to all Selling Firms. The terms of these arrangements vary widely depending on, among other things, products offered; the level and type of marketing, distribution, and administrative support services provided; assets under management; the volume of sales; and the level of access we are provided to the registered representatives of the Selling Firm. Such payments may influence Selling Firms and/or their registered representatives to present the Contracts more favorably than other investment alternatives. Such compensation is subject to applicable state insurance law and regulation, FINRA rules of conduct, Securities and Exchange Commission rules, and Department of Labor ("DOL") rules and regulations. While such compensation may be significant, it does not result in any additional direct charge by us to you beyond the standard contract charges.

Under these compensation structures, JNLD and/or Jackson of NY or our affiliates may make marketing allowance payments, marketing support payments, and other administrative payments to the Selling Firms. Marketing allowance payments are payments that are designed as consideration for product placement and distribution, assets under management, and sales volume. Marketing allowance payments and marketing support payments are generally based on a fixed percentage of annual product sales and generally range from 10 to 50 basis points (0.10% to 0.50%). Other administrative payments are designed to support administrative services, distribution support, platform services and fees, or concierge services and generally range from 45 to 75 basis points (0.45% to 0.75%). Payments may also be based on a percentage of assets under management or paid as a specified dollar amount. Marketing support payments may be in the form of cash and/or non-cash compensation to or on behalf of Selling Firms and their registered representatives and are intended to provide us with exposure to registered representatives so that we may build relationships or educate them about product features and benefits. Examples of such payments include, but are not limited to, reimbursements for representative training or "due diligence" meetings (including travel and lodging expenses); client and prospecting events; speaker fees; business development and educational enhancement items (such as software packages containing information for broker use, or prospecting lists); sponsorship payments for participation at conferences and meetings; and other support services, including payments to third-party vendors for such services. Payments or reimbursements for meetings and seminars are generally based on the anticipated level of participation and/or accessibility and the size of the audience. Subject to applicable laws and regulations including FINRA rules of conduct and DOL rules and regulations, we may also provide cash and/or non-cash compensation to Selling Firms and Registered Investment Advisors in the form of gifts, promotional items, occasional meals, and entertainment. Selling Firms may qualify for different levels of sales and service support depending on the volume of business that they do with us.

We may use any of our corporate assets to cover the cost of distribution, including any profit from the Contract's Monthly Contract Charge or other charges.

The alphabetical listing below details the 20 Selling Firms that received the largest amounts of marketing allowance payments and/or marketing support payments in 2025 from JNLD and/or Jackson of NY or our affiliates in relation to the sale of Jackson and Jackson of NY variable insurance products. The total payments received by a Selling Firm is based on sales of all Jackson and Jackson of NY variable insurance products, thus a Selling Firm may appear on the list even if it is not receiving any payments with respect to sales of the Contracts. Payments to these firms ranged from approximately $442 thousand to approximately $22.2 million.

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| |
|:---|
| LPL Financial Corporation |
| Morgan Stanley Smith Barney, LLC |
| MML Investors Services / MSI Financial Services |
| Wells Fargo Advisors / Investments |
| Osaic (formerly Advisor Group) |
| UBS Financial Services, Inc. |
| Ameriprise |

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| |
|:---|
| Raymond James & Associates, Inc. |
| Commonwealth Financial Network |
| Cetera Advisor Networks, LLC |
| Cambridge Investment |
| Park Avenue Securities |
| Stifel Nicolaus & Co., Inc. |
| State Farm |
| Lincoln Investment Planning |
| DPL (The Leader's Group) |
| Cetera Advisors LLC |
| Centaurus Financial |
| Avantax (formerly H.D. Vest Investment Securities, Inc. |
| Transamerica Financial Services, Inc. |

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Please see Appendix C for a complete list of Selling Firms that received amounts of marketing allowance payments and/or marketing support payments in 2025 from JNLD and/or Jackson of NY or our affiliates in relation to the sale of our variable insurance products. While we endeavor to update this list on an annual basis, please note that interim changes or new arrangements may not be listed and may involve substantial payments on a forward going basis.

Compensation is also paid to employees of JNLD and/or Jackson of NY or our affiliates who are responsible for providing services to Selling Firms. These employees are generally referred to as "wholesalers" and may meet with Selling Firms and/or their registered representatives to provide training and sales support. The compensation paid to the wholesalers may vary based on a number of factors, including Premium payments; types of Contracts or add-on benefits (if any) sold by the Selling Firm that the wholesaler services; wholesaler performance; and overall company performance. The wholesaler may be required to achieve internally-assigned goals related to the same type of factors and may receive bonus payments for the achievement of individual and/or company-wide goals. Compensation is also paid to employees of JNLD who are responsible for making recommendations to persons who are also customers fiduciaries i.e. professional trustees (trust companies) or banks and Registered Investment Advisors. These employees are generally referred to as "Client Consultants". The compensation paid to Client Consultants is not based on commissions. We compensate our Client Consultants with a base salary and an annual discretionary bonus. The amount of the annual bonus is based on a percentage of the associate's salary, varies by the associate's title, and is tied to how well the associate performs his or her job. Our RIA Support Desk Associates, who provide limited retail brokerage services, are registered financial professionals who facilitate the purchase of our products. We do not compensate our RIA Support Desk Associates through commissions or sales contests. We compensate our RIA Support Desk Associates in the following ways: a base salary; an annual discretionary bonus based on a percentage of the associate's salary, which varies by the associates title and is tied to how well the associate performs his or her job; and occasional nominal cash awards.

All of the compensation described here, and other compensation or benefits provided by JNLD and/or Jackson of NY or our affiliates, may be greater or less than the total compensation on similar or other products. The amount and/or structure of the compensation can create a conflict of interest as it may influence your Selling Firm and registered representative to present this Contract over other investment alternatives. The variations in compensation, however, may also reflect differences in sales effort or ongoing customer services expected of the Selling Firm and registered representative. You may ask your registered representative about any variations and how he or she and his or her Selling Firm are compensated for selling the Contract.

We sell Jackson products for which Jackson National Asset Management ("JNAM") is the advisor. JNAM also serves as the administrator for some sub-accounts. JNLD and JNAM are both subsidiaries of Jackson and have the same ultimate parent company, Jackson Financial Inc. JNLD earns fees associated with its role in distributing JNAM sub-accounts. JNAM also earns fees from the variable annuity contract values that are invested in its various sub-accounts.

**PURCHASES**

**Minimum Initial Premium:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• $50,000 under most circumstances

**Minimum Additional Premiums:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• $500 for a qualified or non-qualified plan

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• $50 for an automatic payment plan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• You can pay additional Premiums at any time during the accumulation phase unless a specific add-on benefit or feature provides limitations.

These minimums apply to purchases, but do not preclude subsequent partial withdrawals that would reduce Contract Values below the minimum initial purchase amounts. We reserve the right to limit the number of Contracts that you may purchase. We reserve the right, to restrict or refuse any subsequent Premium payments to the Fixed Account Options at any time, on a nondiscriminatory basis, if the yield on investment would not support the minimum interest rate guaranteed under the Fixed Accounts. This may limit your ability to invest in the Contract. There is a $100 minimum balance requirement for each Investment Division and Fixed Account Option. We reserve the right to restrict availability or impose restrictions on the Fixed Account Options.

Tax-qualified Contracts are subject to Internal Revenue Code limitations on contributions which may limit the amount of your Premium payments.

**Maximum Premiums:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The maximum aggregate Premiums you may make without our prior approval is $1 million.

The payment of subsequent Premiums, depending on market conditions at the time they are made, may or may not contribute to the various benefits under your Contract, including the add-on death benefit, or any GMWB. Our right to restrict Premiums to a lesser maximum amount may also affect the benefits under your Contract.

**Allocations of Premium.** You may allocate your Premiums to one or more of the Fixed Account and Investment Divisions. Each allocation must be a whole percentage between 0% and 100%. The minimum amount you may allocate to the Fixed Account or an Investment Division is $100. We will allocate any additional Premiums you pay in the same way unless you instruct us otherwise.

You may not allocate your Contract Values among more than 99 Investment Divisions and Fixed Account Options at any one time.

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 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).

**Capital Protection Program.**

**PLEASE NOTE: EFFECTIVE OCTOBER 21, 2024, THIS PROGRAM IS NO LONGER AVAILABLE FOR ELECTION.** 

If you select our Capital Protection program at issue, we will allocate enough of your Premium to the Fixed Account you select to assure that the amount so allocated will equal at the end of a selected period of 1, 3, 5, or 7 years, your total original Premium paid. You may allocate the rest of your Premium to any Investment Division(s). If any part of the Fixed Account value is withdrawn or transferred before the end of the selected period, the value at the end of that period will not equal the original Premium. This program is available only if Fixed Account Options are available. There is no charge for the Capital Protection Program. You should consult your financial professional with respect to the current availability of the 3, 5 and 7 year Fixed Account Options and the availability of the Capital Protection program.

For an example of capital protection, assume you made a Premium payment of $10,000 when the interest rate for the seven-year period was 3% per year. We would allocate $8,131 to that period because $8,131 would increase at that interest rate to $10,000 after seven years, assuming no withdrawals are taken. The remaining $1,869 of the payment would be allocated to the Investment Division(s) you selected.

Shorter specified periods require allocation of substantially all of your Premium to achieve the intended result. In any case, the results will depend on the interest rate declared for the specified period. Please note, the interest rate used in the above example is for illustrative purposes only and is not intended to reflect the current interest rate for the specified period of this duration.

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**Accumulation Units.** Your Contract Value allocated to the Investment Divisions will go up or down depending on the performance of the Investment Divisions you select. In order to keep track of the value of your Contract during the accumulation phase, we use a unit of measure called an "Accumulation Unit." During the income phase we use a measure called an "Annuity Unit."

Every Business Day, we determine the Accumulation Unit value for each of the Investment Divisions by:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• determining the total amount of assets held in the particular Investment Division;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• subtracting any asset-based charges and taxes chargeable under the Contract; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• dividing this amount by the number of outstanding Accumulation Units.

Charges deducted through the cancellation of units are not reflected in this computation.The value of an Accumulation Unit may go up or down from day to day based on the performance of the Funds, expenses, and deduction of Contract charges. The value of an Accumulation Unit is determined on the basis of the per share value of an underlying Fund less applicable Separate Account charges, including any add-on benefit charges that are based on average daily Contract Value in the Investment Divisions and are deducted daily as part of the calculation of Accumulation Units. The base Contract has a different Accumulation Unit value than that of certain combinations of add-on benefits an Owner may elect, based on the differing amount of charges applied in calculating that Accumulation Unit value. We cancel Accumulation Units when we remove amounts from that Investment Division, including as a result of a partial withdrawal, transfer, total withdrawal, the deduction of advisory fees, and certain charges we may deduct.

When you make a Premium payment, we credit your Contract with Accumulation Units. The number of Accumulation Units we credit is determined at the close of that Business Day by dividing the amount of the Premium allocated to any Investment Division by the value of the Accumulation Unit for that Investment Division that reflects the combination of add-on benefits you have elected and their respective charges. If your Premium payment is received after the close of the New York Stock Exchange, the number of Accumulation Units credited will be determined at the end of the next Business Day.

In connection with arrangements we have to transact business electronically, we may have agreements in place whereby the time when certain broker-dealers receive your initial Premium payment and all required information in Good Order will be used for initial pricing of your Contract Values. However, if we do not have an agreement with a broker-dealer providing for these pricing procedures, initial Premium payments received by the broker-dealer will not be priced until they are received by us. As of the date of this prospectus, we have such an agreement with Morgan Stanley Smith Barney LLC and SBHU Life Agency. Please check with your financial professional to determine if his/her broker-dealer has an agreement with the Company that provides for these pricing procedures.

**TRANSFERS AND FREQUENT TRANSFER RESTRICTIONS**

You may transfer your Contract Value between and among the Investment Divisions at any time, unless transfers are subject to other limitations, but transfers between the Fixed Account and an Investment Division must occur prior to the Income Date.

You can make 25 transfers every Contract Year without charge.

A transfer will be effective as of the end of the Business Day when we receive your transfer request in Good Order, and we will disclaim all liability for transfers made based on your transfer instructions, or the instructions of a third party authorized to submit transfer requests on your behalf.

Transfers from the Fixed Account generally will be subject to any applicable Market Value Adjustment.

**Potential Limits and Conditions on Fixed Account Transfers.** There may be periods when we do not offer any Fixed Account. We may restrict or refuse future Premium payments, Premium allocation, transfers to, or discontinue the Fixed Account Option(s) at any time, on a nondiscriminatory basis, if the yield on investment would not support the minimum interest rate guaranteed under the Fixed Account(s). Should we impose such restrictions, we will give at least 30 days advance notice to the Owner. We will also provide written notice when such restrictions no longer exist. If we restrict or discontinue the Fixed Account Option(s), all transfers or withdrawals from the Fixed Account Option(s) will be at least equal to Contract Value without being subject to a negative Market Value Adjustment or transfer charge.

We also specifically reserve the right to impose the limitations and conditions set forth in 1-4 below with respect to the one-year Fixed Account Option. Although we are not imposing these restrictions as of the date of this prospectus, if we do decide to impose them, they could provide as follows with respect to both new and already outstanding Contracts:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. During any Contract Year, the aggregate dollar amount of all transfers from the one-year Fixed Account Option (including transfers at the end of the one-year period) could not exceed whichever of the following three maximums apply to you for that year:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• *Maximum transfers during the first Contract Year in which you have Contract Value in the one-year Fixed Account Option subject to these restrictions*: 1/3 of your Contract Value in the one-year Fixed Account Option as of the most recent Contract Anniversary;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• *Maximum transfers during any subsequent Contract Year, if you had Contract Value subject to these restrictions during the preceding Contract year*:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ 1/3 of your Contract Value in the one-year Fixed Account Option as of the most recent Contract Anniversary if you **did not** make a 1/3 transfer in the preceding year as mentioned above or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ 1/2 of your Contract Value in the one-year Fixed Account Option as of the most recent Contract Anniversary if you **did** make such a 1/3 transfer in the preceding year; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*• Maximum transfers during any Contract Year, if you had Contract Value subject to these restrictions during both of the preceding two Contract Years and, in those years, you made the 1/3 maximum transfer in the first year and 1/2 maximum transfer in the second year as mentioned above*: all of your remaining Contract Value in the one-year Fixed Account Option.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. We could require that any transfer from the one-year Fixed Account Option in a Contract Year occur at least twelve months after the most recent such transfer in the previous Contract Year.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. We could restrict or prohibit your transfers into or allocations of any additional Premiums to the one-year Fixed Account Option in any Contract Year in which you make a transfer from the one-year Fixed Account Option.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. We could restrict or prohibit your transfers from the one-year Fixed Account Option in any Contract Year in which you make a transfer into or allocate any additional Premiums to the one-year Fixed Account Option.

We may impose restrictions 1-4 separately or in combination but we expect that they would be imposed as a group, so that you would be subject to all of these restrictions if you are subject to any of them.

Certain systematic investment programs could be excluded from the restrictions listed in 1-4 above, such that transfers under those programs would not count against the maximum amounts that may be transferred out of the one-year Fixed Account Option and the Contract Value under such programs would be excluded from the computation of such maximum amounts.

We also could permit or require that a systematic transfer program be used to make transfers from any Fixed Account Options. For example, you could be permitted to have the three transfers that are referred to in restriction 1 above automated through a systematic transfer out ("STO") on each of your next three Contract Anniversaries. The amount automatically transferred on each of such three Contract Anniversaries would be the maximum amount that would be permitted to be transferred on that date under restriction 1, such that following the automatic STO transfer on the third such Contract Anniversary you would no longer have any Contract Value in the one-year Fixed Account Option. If we establish such an STO for you, however, we would (pursuant to restrictions 3 and 4 above) prohibit you from making any other transfer from, or any Premium payments or transfers into, the one-year Fixed Account Option during any Contract Year in which an automatic STO transfer is made for you. Also (pursuant to restriction 2 above) you could elect such an STO only if (i) at least twelve calendar months have passed since your last STO program (if any) had ended and (ii) during the Contract Year in which you make the election, you have not made any transfers from, or any Premium payments or transfers into the one-year Fixed Account Option (unless you made the transfer or Premium payment before the time we had instituted restrictions 1-4). Transfers pursuant to any STO would not count toward your 25 free transfer limit.

If we require you to commence an STO at a time when, due to any of the foregoing restrictions, you would not be eligible to elect such a program, the three annual STO transfers will be delayed. In that case, the first such STO transfer would occur on the first Contract Anniversary after you are eligible to elect an STO.

If we impose the restrictions described in 1-4 above, we would provide you prompt written notice of that fact, as well as any requirement or option to commence an STO. In that case, the restrictions would be effective immediately and we would not expect to provide you with an opportunity to make transfers from the one-year Fixed Account Option, other than in compliance with and subject to the limitations in such restrictions. Accordingly, you should consider whether you are willing to be subject to those limitations before you allocate any Premiums or transfers to the one-year Fixed Account Option.

**Restrictions on Transfers: Market Timing.** The Contract is not designed for frequent transfers by anyone. Frequent transfers between and among Investment Divisions may disrupt the underlying Funds and could negatively impact performance, by interfering with efficient management and reducing long-term returns, and increasing administrative costs. Frequent transfers may

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also dilute the value of shares of an underlying Fund. Neither the Contracts nor the underlying Funds are meant to promote any active trading strategy, like market timing. Allowing frequent transfers by one or some Owners could be at the expense of other Owners of the Contract. To protect Owners and the underlying Funds, we have policies and procedures to deter frequent transfers between and among the Investment Divisions.

Under these policies and procedures, there is a $25 charge per transfer after 25 in a Contract Year, and no round trip transfers are allowed within 15 calendar days. Also, we could restrict your ability to make transfers to or from one or more of the Investment Divisions, which possible restrictions may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• limiting the number of transfers over a period of time;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• requiring a minimum time period between each transfer;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• limiting transfer requests from an agent acting on behalf of one or more Owners or under a power of attorney on behalf of one or more Owners; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• limiting the dollar amount that you may transfer at any one time.

To the extent permitted by applicable law, we reserve the right to restrict the number of transfers per year that you can request and to restrict you from making transfers on consecutive Business Days. In addition, your right to make transfers between and among Investment Divisions may be modified if we determine that the exercise by one or more Owners is, or would be, to the disadvantage of other Owners.

We continuously monitor transfers under the Contract for disruptive activity based on frequency, pattern and size. We will more closely monitor Contracts with disruptive activity, placing them on a watch list, and if the disruptive activity continues, we will restrict the availability of electronic or telephonic means to make a transfer, instead requiring that transfer instructions be mailed through regular U.S. postal service, and/or terminate the ability to make transfers completely, as necessary. If we terminate your ability to make transfers, you may need to make a partial withdrawal to access the Contract Value in the Investment Division(s) from which you sought a transfer. We will notify you and your financial professional in writing within five days of placing the Contract on a watch list.

Regarding round trip transfers, we will allow redemptions from an Investment Division; however, once a complete or partial redemption has been made from an Investment Division through an Investment Division transfer, you will not be permitted to transfer any value back into that Investment Division within 15 calendar days of the redemption. We will treat as short-term trading activity any transfer that is requested into an Investment Division that was previously redeemed within the previous 15 calendar days, whether the transfer was requested by you or a third party.

Our policies and procedures do not apply to the JNL/Dreyfus Government Money Market Investment Division, the Fixed Account, Dollar Cost Averaging, Earnings Sweep or the Automatic Rebalancing program. We may also make exceptions that involve an administrative error, or a personal unanticipated financial emergency of an Owner resulting from an identified health, employment, or other financial or personal event that makes the existing allocation imprudent or a hardship. These limited exceptions will be granted by an oversight team pursuant to procedures designed to result in their consistent application. Please contact our Jackson of NY Customer Care Center if you believe your transfer request entails a financial emergency.

Otherwise, we do not exempt any person or class of persons from our policies and procedures. We have agreements allowing for asset allocation and investment advisory services that are not only subject to our policies and procedures, but also to additional conditions and limitations, intended to limit the potential adverse impact of these activities on other Owners of the Contract. We expect to apply our policies and procedures uniformly, but because detection and deterrence involves judgments that are inherently subjective, we cannot guarantee that we will detect and deter every Contract engaging in frequent transfers every time. If these policies and procedures are ineffective, the adverse consequences described above could occur. We also expect to apply our policies and procedures in a manner reasonably designed to prevent transfers that we consider to be to the disadvantage of other Owners, and we may take whatever action we deem appropriate, without prior notice, to comply with or take advantage of any state or federal regulatory requirement.

**TELEPHONE AND INTERNET TRANSACTIONS**

**The Basics.** You can request certain transactions by telephone or at <u>www.jackson.com</u>, subject to our right to terminate electronic or telephone transfer privileges, as described above. For information about your account, please contact our Jackson of NY Customer Care Center. We require that you provide proper identification before performing transactions over the telephone or online.

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Any authorization you (and any joint Owner) provide to us in an application or through other means will authorize us to accept certain transaction instructions, including Investment Division transfers/allocations, by you, a joint Owner, or your financial professional unless you notify us to the contrary. To notify us, please call us at the Jackson of NY Customer Care Center. Certain types of transactions must be submitted by the Contract Owner (and any joint Owner) and may only be submitted online or in writing. For additional information on what transactions can be submitted online or by telephone, please contact our Jackson of NY Customer Care Center.

Our contact information is on the cover page of this prospectus and the number is referenced in your Contract or on your quarterly statement. We reserve the right to discontinue accepting transaction requests online or by telephone or implement additional limitations.

**Financial Transactions.** Instructions to complete a financial transaction, including withdrawals and transfers, submitted online or by phone must be completed by the close of the New York Stock Exchange (usually 4:00 p.m. Eastern time) in order to receive that day's Accumulation Unit value for an Investment Division, Index Price, and/or applicable Fixed and Index Account Rates. Instructions you send electronically are considered to be received by us at the time and date stated on the electronic acknowledgment we return to you. If the time and date indicated on the acknowledgment is before the close of the New York Stock Exchange, the instructions will be carried out that day. Otherwise the instructions will be carried out the next Business Day.

You may only cancel an earlier telephonic or online request made on the same day by calling the Jackson of NY Customer Care Center before the New York Stock Exchange closes. We are unable to accept instructions to cancel an earlier telephonic or online request after the New York Stock Exchange has closed.

We will retain permanent records of all web-based transactions by confirmation number. If you do not receive an electronic acknowledgment, you should telephone our Jackson of NY Customer Care Center immediately.

**Non-Financial Transactions.** Certain non-financial transactions can be submitted online or by telephone. Certain types of non-financial transactions are limited to being submitted by the contract owner (and any joint Owner) or may require instructions be submitted in writing if the contract is deemed ineligible. If an add-on benefit has been elected, certain types of non-financial transactions may not be available or have restrictions. Please refer to your add-on benefit endorsement for additional information or contact our Jackson of NY Customer Care Center. Non-financial instructions submitted online will take one business day to complete.

We will retain permanent records of all web-based transactions by confirmation number. If you do not receive an electronic acknowledgment, you should telephone our Jackson of NY Customer Care Center immediately.

**Our Procedures.** Our procedures are designed to provide reasonable assurance that telephone or any other electronic authorizations are genuine. Our procedures include requesting identifying information and recording telephone communications, and other specific details. We and our affiliates disclaim all liability for any claim, loss or expense resulting from any alleged error or mistake in connection with a transaction requested by telephone or other electronic means that you did not authorize. However, if we fail to employ reasonable procedures to ensure that all requested transactions are properly authorized, we may be held liable for such losses.

We do not guarantee access to telephonic and electronic information or that we will be able to accept transaction instructions via the telephone or electronic means at all times. We also reserve the right to modify, limit, restrict or discontinue at any time and without notice the acceptance of instruction from someone other than you and/or this telephonic and electronic transaction privilege. Elections of any add-on benefit must be in writing and will be effective on the date as outlined in the add-on benefit endorsement. Elections of any investment or withdrawal program(s) will be effective upon receipt of the request in Good Order if received before the New York Stock Exchange close. Otherwise, the program(s) will be effective the following business day.

Upon notification of the Owner's death, any telephone transfer authorization, other than by the surviving joint Owners, designated by the Owner ceases and we will not allow such transactions unless the executor/representative provides written authorization for a person or persons to act on the executor's/representative's behalf.

**ACCESS TO YOUR MONEY**

You can have access to the money in your Contract:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• by making either a partial or total withdrawal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• by electing the Automatic Withdrawal Program; or

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• by electing to receive income payments.

Your Beneficiary can have access to the money in your Contract when a death benefit is paid.

When you make a total withdrawal you will receive the value of your Contract as of the end of the Business Day your request is received by us in Good Order, *minus* any applicable Premium tax, the annual contract maintenance charges, and charges due under any add-on benefit, adjusted for any applicable Market Value Adjustment. We will pay the withdrawal proceeds within seven days of a request in Good Order. If a Premium payment made by personal check or electronic draft is received within the five days preceding a withdrawal request, we may delay payment of the withdrawal proceeds up to seven days after the date of the request, to ensure the check or electronic draft is not returned due to insufficient funds.

Your withdrawal request will generally be submitted in writing, however, we will always accept written withdrawal requests submitted via fax. You may also submit withdrawal requests online or via telephone if you have provided telephone and electronic authorization according to our administrative rules. Please note, there are risks associated with not requiring original signatures in order to disburse the money. For more information, see "Telephone and Internet Transactions" beginning on page [28](#ie9f48585e73e4951bab8603da6b0ce3f_157). Should you choose to have the proceeds sent to you via mail, they will be sent to your last recorded address in our records. Please notify us immediately of any address change. We do not assume responsibility for improper disbursements if you have failed to provide us with the current address to which the proceeds should be sent.

Except in connection with the Automatic Withdrawal Program, you must withdraw at least $500 or, if less, the entire amount in the Fixed Account Option or Investment Division from which you are making the withdrawal. If you are not specific in your withdrawal request, your withdrawal will be taken from your allocations to the Investment Divisions and Fixed Account Options based on the proportion their respective values bear to the Contract Value.

With the Automatic Withdrawal Program, you may withdraw a specified dollar amount of at least $50 per withdrawal. A withdrawal request that would reduce the remaining Contract Value to less than $2,000 will be treated as a request for a total withdrawal, unless this $2,000 minimum has been expressly waived by endorsement. After your withdrawal, at least $100 must remain in each Fixed Account Option or Investment Division from which the withdrawal was taken.

The Contract is designed for Contract Owners who have hired an investment adviser to manage their Contract Value for a fee. You may authorize payment of the fee from the Contract by requesting a partial withdrawal. There may be tax and Contract implications, including adverse effects on Contract benefits if you elect to have such fees withdrawn directly from the Contract. Conditions and limitations may apply, so please contact our Jackson of NY Customer Care Center for more information. Our contact information is on the cover page of this prospectus. The investment adviser you engage is acting solely on your behalf. We neither endorse any investment advisers, nor make any representations as to their qualifications. The fee for this service would be covered in a separate agreement between you and your adviser, and would be in addition to the fees and expenses described in this prospectus. You are strongly encouraged to discuss the impact of deducting advisory fees directly from your Contract Value with your financial professional before making any elections.

If you elect to pay advisory fees from your Contract Value, this deduction may reduce the basic death benefit, which is equal to Contract Value, and may be subject to federal and state income taxes and a 10% federal penalty tax. These withdrawals are processed as net withdrawals, pro-rata from the investment options in which you are currently allocated. In order to avoid negatively impacting your add-on benefits, we do not permit the deduction of advisory fees from your Contract Value if you have elected any of the available add-on benefits. You may terminate authorization for the direct deduction of advisory fees at any time by providing us with written notice of such termination. For more information on the deduction of advisory fees from your Contract Value, please see "Advisory Fees" beginning on page [20](#ie9f48585e73e4951bab8603da6b0ce3f_3307).

**Income taxes, tax penalties and certain restrictions may apply to any withdrawal you make. There are limitations on withdrawals from qualified plans. For more information, please see "TAXES" beginning on page [36](#ie9f48585e73e4951bab8603da6b0ce3f_265).**

**Automatic Withdrawal Program.** You can arrange to have money automatically sent to you periodically while your Contract is still in the accumulation phase. You may withdraw a specified dollar amount of at least $50 per withdrawal. Your withdrawals may be on a monthly, quarterly, semi-annual or annual basis. There is no charge for the Automatic Withdrawal Program; however, you will have to pay taxes on the money you receive. You may also be subject to a Market Value Adjustment.

**Suspension of Withdrawals or Transfers.** We may be required to suspend or delay withdrawals or transfers from an Investment Division when:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the New York Stock Exchange is closed (other than customary weekend and holiday closings);

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• under applicable SEC rules, trading on the New York Stock Exchange is restricted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• under applicable SEC rules, an emergency exists so that it is not reasonably practicable to dispose of securities in an Investment Division or determine the value of its assets; or,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the SEC, by order, may permit for the protection of Contract Owners.

We have reserved the right to defer payment for a withdrawal or transfer from the Fixed Account for up to six months or the period permitted by law.

**INCOME PAYMENTS (THE INCOME PHASE)**

The income phase of your Contract occurs when you begin receiving regular income payments from us. The Income Date is the day on which those payments begin. Once income payments begin, the Contract cannot be returned to the accumulation phase, and you will no longer be able to make withdrawals of Contract Value. The Income Date must be at least 13 months after the Contract's Issue Date. You can choose the Income Date and an income option. All of the Contract Value must be annuitized. The income options are described below.

If you do not choose an income option, we will assume that you selected Option 3, which provides a life annuity with 120 months of guaranteed payments.

You can change the Income Date or income option at least seven days before the Income Date, but changes to the Income Date may only be to a later date. You must give us written notice at least seven days before the scheduled Income Date. Income payments must begin by the Contract Anniversary on which you will be 95 years old or such date allowed by the Company on a non-discriminatory basis or as required by an applicable qualified plan, law or regulation.

The required beginning date for required minimum distributions (RMDs) under qualified plans and Tax-Sheltered Annuities is generally no later than April 1st of the calendar year following the calendar year in which you attain the applicable age as noted in the table below or the calendar year in which you retire. The required beginning date for distributions from a qualified contract maintained for an IRA is generally no later than April 1st of the calendar year following the calendar year in which you attain the applicable age as noted in the table below. You do not necessarily have to annuitize your Contract to meet the minimum distribution requirements.

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| | |
|:---|:---|
| **If you were born:** | **Your "applicable age" is:** |
| Before July 1, 1949 | 70½ |
| After June 30, 1949 and before 1951 | 72 |
| After 1950 and before 1960 | 73 |
| In 1960 or later | 75 |

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At the Income Date, you can choose to receive fixed payments or variable payments based on the Investment Divisions. If you do not choose how to receive your income payments, your income payments will be based on the variable and fixed options that were in place on the Income Date. Income payments at the time of their commencement will not be less than those that would be provided by the application of your withdrawal value to purchase a single premium immediate annuity contract from us at the rates currently offered to Annuitants in the same class as you on the Income Date. 100% of the Contract Value allocated to the Separate Account will be applied to Fixed Annuity Payments if elected.

You can choose to have income payments made monthly, quarterly, semi-annually, or annually. Or you can choose a single lump-sum payment. The frequency of payments you select will have an impact on the amount of each income payment. For example, an election to receive monthly payments will result in lower payment amounts than an election to receive annual payments. Similarly, an election to receive payments over a longer designated period will result in lower payment amounts than an election to receive payments over a shorter designated period. For income payment options involving life income, the actual age of the Annuitant(s) will affect the amount of each payment. Since payments based on older Annuitants are expected to be fewer in number, the amount of each income payment should be greater than payments based on younger Annuitants. If you have less than $2,000 to apply toward an income option, we may provide your payment in a single lump sum, part of which may be taxable as Federal Income. Likewise, if your first income payment would be less than $20, we may set the frequency of payments so that the first payment would be at least $20.

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**Fixed Income Payments.** If you choose to receive fixed payments, the amount of each income payment will be determined by applying the portion of your Contract Value allocated to fixed payments, less any applicable Premium taxes, to the rates in the annuity tables contained in the Contract applicable to the income option chosen. If the current annuity rates provided by us on contracts of this type would be more favorable to you, the current rates will be used.

**Variable Income Payments.** If you choose to have any portion of your income payments based upon one or more Investment Divisions, the dollar amount of your initial annuity payment will depend primarily upon the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the amount of your Contract Value you allocate to the Investment Division(s) on the Income Date;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the amount of any applicable Premium taxes, and any Market Value Adjustment deducted from your Contract Value on the Income Date;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• which income option you select; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the investment factors listed in your Contract that translate the amount of your Contract Value (as adjusted for applicable charges, frequency of payment and commencement date) into initial payment amounts that are measured by the number of Annuity Units of the Investment Division(s) you select credited to your Contract.

The investment factors in your Contract are calculated based upon a variety of factors, including an assumed net investment rate of 1.0% and, if you select an income option with a life contingency, the age and gender of the Annuitant.

If the actual net investment rate experienced by an Investment Division exceeds the assumed net investment rate, variable annuity payments will increase over time. Conversely, if the actual net investment rate is less than the assumed net investment rate, variable annuity payments will decrease over time. If the actual net investment rate equals the assumed net investment rate, the variable annuity payments will remain constant.

We calculate the dollar amount of subsequent income payments that you receive based upon the performance of the Investment Divisions you select. If that performance (measured by changes in the value of Annuity Units) exceeds the assumed net investment rate, then your income payments will increase; if that performance is less than the assumed net investment rate, then your income payments will decrease. Neither expenses actually incurred (other than taxes on investment return), nor mortality actually experienced, will adversely affect the dollar amount of subsequent income payments.

**Income Options.** The Annuitant is the person whose life we look to when we make income payments (each description assumes that you are the Owner and Annuitant). Each income option is available as fixed payments or variable payments.

***Option 1*** - Life Income. This income option provides monthly payments for your life. No further payments are payable after your death. Thus, it is possible for you to receive only one payment if you die prior to the date the second payment was due. If you die after the Income Date but before the first monthly payment, the amount allocated to the income option will be paid to your Beneficiary.

***Option 2*** - Joint and Survivor. This income option provides monthly payments for your life and for the life of another person (usually your spouse) selected by you. Upon the death of either person, the monthly payments will continue during the lifetime of the survivor. No further payments are payable after the death of the survivor. If you and the person who is the joint life both die after the Income Date but before the first monthly payment, the amount allocated to the income option will be paid to your Beneficiary.

***Option 3*** - Life Annuity With at Least 120 or 240 Monthly Payments. This income option provides monthly payments for the Annuitant's life, but with payments continuing to the Beneficiary for the remainder of 10 or 20 years (as you select) if the Annuitant dies before the end of the selected period. If the Beneficiary does not want to receive the remaining guaranteed payments, a single lump sum may be requested, which will be equal to the present value of the remaining guaranteed payments (as of the date of calculation) discounted at an interest rate no higher than the rate used to calculate the initial payment.

***Option 4*** - Income for a Specified Period. This income option provides monthly payments for any number of years from 5 to 30. If the Beneficiary does not want to receive the remaining guaranteed payments, a single lump sum may be requested, which will be equal to the present value of the remaining guaranteed payments (as of the date of calculation) discounted at an interest rate no higher than the rate used to calculate the initial payment.

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***Additional Options* -** We may make other income options available.

No withdrawals are permitted during the income phase under an income option that is life contingent.

**DEATH BENEFIT**

The Contract has a basic death benefit which is payable during the accumulation phase. Instead, you may choose an add-on death benefit for an additional charge. The add-on death benefit is only available at the time you apply for a Contract. In addition, once the add-on death benefit is chosen, it cannot be canceled. The add-on death benefit will terminate upon the death of the Owner.

The death benefit is due following our receipt of all required documentation in Good Order. Required documentation includes proof of death, a claim form, and any other documentation we reasonably require. If we have received proof of death and any other required documentation, we will calculate the share of the death benefit due to a Beneficiary of record using Contract values established at the close of business on the date we receive from that Beneficiary a claim form with a payment option elected. If we have not received proof of death or any other required documentation, we will calculate the share of the death benefit due to a Beneficiary of record using Contract values established at the close of business on the date we receive any remaining required documentation. As a result, market fluctuation may cause the calculation of a Beneficiary's death benefit share to differ from the calculation of another Beneficiary's death benefit share. We will pay interest on a Beneficiary's death benefit share as required by law.

We will pay the Contract's basic death benefit unless you have elected the add-on death benefit. If the Contract includes a guaranteed minimum death benefit, we will, according to the Contract's current allocation instructions on file, deposit into the Contract's Investment Divisions and Fixed Account the amount by which the guaranteed minimum death benefit exceeds the Contract's account value established at the close of business on the date we receive all documentation in Good Order from the first Beneficiary to submit a claim form.

**Basic Death Benefit.** The basic death benefit is payable during the accumulation phase. The basic death benefit equals your Contract Value on the date we receive all required documentation from your Beneficiary.

If you die before moving to the income phase, the person you have chosen as your Beneficiary will receive the basic death benefit. If you have a joint Owner, the death benefit will be paid when the first joint Owner dies. The surviving joint Owner will be treated as the Beneficiary. Any other Beneficiary designated will be treated as a contingent Beneficiary. Only a spouse Beneficiary has the right to continue the Contract in force upon your death.

**Add-On Death Benefit.** An add-on death benefit is available, which is designed to protect your Contract Value from potentially poor investment performance and the impact that poor investment performance could have on the amount of the basic death benefit. Because there is an additional annual charge for this add-on death benefit, and because you cannot change your selection, please be sure that you have read about and understand the Contract's basic death benefit before selecting the add-on death benefit. The Return of Premium GMDB is available if you are 85 years of age or younger on the Contract's Issue Date. The older you are when your Contract is issued, the less advantageous it would be for you to select the add-on death benefit. The add-on death benefit is subject to our administrative rules to assure appropriate use, which administrative rules may be changed, as necessary.

For purposes of the add-on death benefit, "Net Premiums" are defined as your Premium payments net of Premium taxes, reduced by any withdrawals (including applicable charges and deductions) at the time of the withdrawal in the same proportion that the Contract Value was reduced on the date of the withdrawal. Accordingly, if a withdrawal were to reduce the Contract Value by 50%, for example, Net Premiums would also be reduced by 50%.

**Following are the calculations for the add-on death benefit, which show how the values for each benefit are determined.** The following GMDB's features are supplemented by the examples in "Appendix D (GMDB Prospectus Examples)".

***Return of Premium Guaranteed Minimum Death Benefit ("Return of Premium GMDB")*** changes your basic death benefit during the accumulation phase of your Contract to the greater of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)your Contract Value as of the end of the Business Day on which we receive all required documentation from your Beneficiary; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)all Premiums paid into the Contract (net of any applicable premium taxes and charges), reduced for withdrawals (including any applicable charges and adjustments for such withdrawals) in proportion to the reduction in the Contract Value at the time of the withdrawal.

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The Return of Premium GMDB Benefit Base will be determined at the end of any Business Day, and is equal to all Premiums (net of any applicable Premium tax) paid into the Contract, reduced by any withdrawals (including any applicable adjustments for such withdrawals). All adjustments will occur at the time of the withdrawal or Premium payment and all adjustments for amounts withdrawn reduce the death benefit in the same proportion that the Contract Value was reduced on the date of the withdrawal. **Withdrawals may prematurely reduce the value of this Return of Premium Death Benefit.**

On each fifth Contract Anniversary, the GMDB charge may be increased. If you elect to opt out of the current charge increase and any future charge increases at the time an increase is announced, Premium payments subsequent to such election will not be allowed. For more information, please see "Optional Death Benefit - Return of Premium Guaranteed Minimum Death Benefit Charge".

Please note that if you elect this add-on death benefit, ownership changes are allowed, but Covered Lives cannot be changed. Under this GMDB the original Owner and any joint Owner are the Covered Lives. If the Owner is a non-natural person, the Annuitant (any joint Annuitant) named at election of this GMDB is a Covered Life.

Unlike the basic death benefit, this add-on death benefit may provide value on or after the Income Date, which is the date on which you begin receiving annuity payments. If the Income Date is before the Latest Income Date, then this add-on death benefit terminates and no death benefit is payable. However, if the Income Date is on the Latest Income Date, then the death benefit amount is equal to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)the GMDB Benefit Base on the Latest Income Date; less

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)the Contract Value on the Latest Income Date.

If there is a death benefit amount on or after the Income Date, it will be payable to the Beneficiary when due proof of any Covered Life's death is received by the Company in Good Order. If the Covered Life is not deceased as of the date that the final annuity payment under the elected income option is due, the death benefit amount will be payable in a lump sum to the Owner along with the final annuity payment.

**Payout Options.** The basic death benefit and the add-on death benefit can be paid under one of the following payout options:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• single lump-sum payment;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• payment of entire death benefit within 5 years of the date of death;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• on non-qualified contracts or for spousal Beneficiaries or Eligible Designated Beneficiaries on qualified contracts, payment of the entire death benefit under an income option over the Beneficiary's lifetime or for a period not extending beyond the Beneficiary's life expectancy. Any portion of the death benefit not applied under an income option within one year of the Owner's death, however, must be paid within five years of the date of the Owner's death on non-qualified contracts; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• on qualified contracts, payment of the entire death benefit under an income option over a period not extending beyond ten (10) years, with distribution beginning within the calendar year following the calendar year of the Owner's death.

Under these payout options, the Beneficiary may also elect to receive additional lump sums at any time. The receipt of any additional lump sums will reduce the future income payments to the Beneficiary.

If the Beneficiary elects to receive the death benefit as an income option, the Beneficiary must make that payout option election within 60 days of the date we receive proof of death and payments of the death benefit must begin within one year of the date of death. If the Beneficiary chooses to receive some or all of the death benefit in a single sum and all the necessary requirements are met, we will pay the death benefit within seven days. If your Beneficiary is your spouse, he/she may elect to continue the Contract, at the current Contract Value, in his/her own name. If no payout option is selected, the entire death benefit will be paid within 5 years of the Owner's date of death. The death benefit will remain invested in the Investment Divisions in accordance with the allocation instructions given by the Owner until a payout option is selected, or new instructions are received from the Beneficiary after the claim is processed. For more information, please see "Spousal Continuation Option" below.

**Pre-Selected Payout Options**. As Owner, you may also make a predetermined selection of the death benefit payout option if your death occurs before the Income Date. However, at the time of your death, we may modify the death benefit option if the death benefit you selected exceeds the life expectancy of the Beneficiary. If this Pre-selected Death Benefit Option Election is in force at the time of your death, the payment of the death benefit may not be postponed, nor can the Contract be continued under any other

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provisions of this Contract. This restriction applies even if the Beneficiary is your spouse, unless such restriction is prohibited by the Internal Revenue Code. If the Beneficiary does not submit the required documentation for the death benefit to us within one year of your death, however, the death benefit must be paid, in a single lump sum, within five years of your death.

**Spousal Continuation Option.** If your spouse is the Beneficiary and elects to continue the Contract in his or her own name after your death, pursuant to the Spousal Continuation Option, no death benefit will be paid at that time. Instead, except as described below, we will contribute to the Contract a continuation adjustment, which is the amount by which the death benefit that would have been payable exceeds the Contract Value. We calculate the continuation adjustment amount using the Contract Value and death benefit as of the date we receive all required documentation from the Beneficiary of record and the spousal Beneficiary's written request to continue the Contract (the "Continuation Date"). We will add this amount to the Contract based on the current allocation instructions at the time of your death, subject to any minimum allocation restrictions, unless we receive other allocation instructions from your spouse. See your financial professional for information regarding the availability of the Spousal Continuation Option.

If your spouse continues the Contract in his/her own name under the Spousal Continuation Option, the new Contract Value will be considered the initial Premium for purposes of determining any future death benefit under the Contract. The age of the surviving spouse at the time of the continuation of the Contract will be used to determine all benefits under the Contract prospectively, so the death benefit may be at a different level.

If your spouse elects to continue the Contract, any optional Guaranteed Minimum Death Benefit will terminate upon the death of the Owner.

The Spousal Continuation Option is available to elect one time on the Contract. However, if the Pre-selected Death Benefit Option Election is in force at the time of your death, the payment of the death benefit may not be postponed, nor can the Contract be continued under any other provisions of this Contract. This restriction applies even if the Beneficiary is your spouse, unless such restriction is prohibited by the Internal Revenue Code.

**Death of Owner On or After the Income Date.** If you or a joint Owner dies, and is not the Annuitant, on or after the Income Date, any remaining payments under the income option elected will continue at least as rapidly as under the method of distribution in effect at the date of death. If you die, the Beneficiary becomes the Owner. If the joint Owner dies, the surviving joint Owner, if any, will be the designated Beneficiary. Any other Beneficiary designation on record at the time of death will be treated as a contingent Beneficiary. A contingent Beneficiary is entitled to receive payment only after the Beneficiary dies.

**Death of Annuitant.** If the Annuitant is not an Owner or joint Owner and dies before the Income Date, you can name a new Annuitant, subject to our underwriting rules. If you do not name a new Annuitant within 30 days of the death of the Annuitant, you will become the Annuitant. However, if the Owner is a legal entity (for example, a corporation), then the death of the Annuitant will be treated as the death of the Owner, and a new Annuitant may not be named.

If the Annuitant dies on or after the Income Date, any remaining guaranteed payments will be paid to the Beneficiary as provided for in the income option selected. Any remaining guaranteed payments will be paid at least as rapidly as under the method of distribution in effect at the Annuitant's death.

**Stretch Contracts.** The beneficiary of death benefit proceeds from another company's non-qualified annuity contract or the eligible designated Beneficiary (as defined by the Internal Revenue Code and implementing regulations) of death benefit proceeds from another company's tax-qualified annuity contract or plan, may use the death benefit proceeds to purchase a Contract ("Stretch Contract") from us. The beneficiary of the prior contract or plan ("Beneficial Owner") must begin taking distributions, or must have begun taking distributions under the prior contract or plan, within one year of the decedent's death. The distributions must be taken over a period not to exceed the life expectancy of the Beneficial Owner, and the distributions must satisfy the minimum distribution requirements resulting from the decedent's death as defined by the Internal Revenue Code and implementing regulations. (See "Non-Qualified Contracts – Required Distributions" on page [37](#ie9f48585e73e4951bab8603da6b0ce3f_283).) Upon the Beneficial Owner's death, under a tax-qualified Stretch Contract, the designated Beneficiary must distribute the Contract Value on or before the end of the 10th year after the Beneficial Owner's death. We will waive withdrawal charges on any withdrawal necessary to satisfy the minimum distribution requirements. Withdrawals in excess of the minimum distribution requirements may be taken at any time, subject to applicable withdrawal charges.

The rights of Beneficial Owners are limited to those applicable to the distribution of the death benefit proceeds. Add-on benefits are not available.

**Special requirements apply to non-qualified Stretch Contracts.** All Premium payments must be received in the form of a full or partial 1035 exchange of the death benefit proceeds from a non-qualified annuity contract and other forms of Premium payments are

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not permitted. Joint ownership is not permitted. **Please read the Contract and accompanying endorsement carefully for more information about these and other requirements.**

**TAXES**

***The following is only general information and is not intended as tax advice to any individual. Jackson of NY does not make any guarantee regarding the tax status of any Contract or any transaction involving the Contracts. It should be understood that the following discussion is not exhaustive and that other special rules may be applicable in certain situations. Moreover, no attempt has been made to consider any applicable state or other tax laws or to compare the tax treatment of the Contracts to the tax treatment of any other investment. You are responsible for determining whether your purchase of a Contract, withdrawals, income payments, and any other transactions under your Contract satisfy applicable tax law. Additional tax information is included in the Statement of Additional Information (***"***SAI***"***). You should consult your own tax advisor as to how these general rules will apply to you if you purchase a Contract.***

**CONTRACT OWNER TAXATION**

**Tax-Qualified and Non-Qualified Contracts.** If you purchase your Contract as a part of a tax-qualified plan such as an Individual Retirement Annuity (IRA), Tax-Sheltered Annuity (sometimes referred to as a 403(b) contract), or pension or profit-sharing plan (including a 401(k) plan or H.R. 10 Plan) your Contract will be what is referred to as a tax-qualified contract. Tax deferral under a tax-qualified contract arises under the specific provisions of the Internal Revenue Code (Code) governing the tax-qualified plan, so a tax-qualified contract should be purchased only for the features and benefits other than tax deferral that are available under a tax-qualified contract, and not for the purpose of obtaining tax deferral. You should consult your own advisor regarding these features and benefits of the Contract prior to purchasing a tax-qualified contract.

If you do not purchase your Contract as a part of any tax-qualified pension plan, specially sponsored program or an individual retirement annuity, your Contract will be what is referred to as a non-qualified contract. Some broker-dealers only offer the Contracts as non-qualified contracts.

The amount of your tax liability on the earnings under and the amounts received from either a tax-qualified or a non-qualified contract will vary depending on the specific tax rules applicable to your Contract and your particular circumstances.

**Non-Qualified Contracts – General Taxation.** Increases in the value of a non-qualified contract attributable to undistributed earnings are generally not taxable to the Contract Owner or the Annuitant until a distribution (either a withdrawal, including withdrawals under any GMWB you may elect, or an income payment) is made from the Contract. This tax deferral is generally not available under a non-qualified contract owned by a non-natural person (e.g., a corporation or certain other entities other than a trust holding the Contract as an agent for a natural person). Loans, assignments, or pledges based on a non-qualified contract are treated as distributions.

**Non-Qualified Contracts – Aggregation of Contracts.** For purposes of determining the taxability of a distribution, the Code provides that all non-qualified contracts issued by us (or an affiliate) to you during any calendar year must be treated as one annuity contract. Additional rules may be promulgated under this Code provision to prevent avoidance of its effect through the ownership of serial contracts or otherwise.

**Non-Qualified Contracts – Withdrawals and Income Payments.** Any withdrawal from a non-qualified contract, including withdrawals under any GMWB you may elect, is taxable as ordinary income to the extent it does not exceed the accumulated earnings under the Contract. In contrast, a part of each income payment under a non-qualified contract is generally treated as a non-taxable return of Premium. The balance of each income payment is taxable as ordinary income. The amounts of the taxable and non-taxable portions of each income payment are determined based on the amount of the investment in the Contract and the length of the period over which income payments are to be made. Income payments received after all of your investment in the Contract is recovered are fully taxable as ordinary income. Additional information is provided in the SAI.

The Code also imposes a 10% penalty on certain taxable amounts received under a non-qualified contract. This penalty tax will not apply to any amounts:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• paid on or after the date you reach age 59 ½;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• paid to your Beneficiary after you die;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• paid if you become totally disabled (as that term is defined in the Code);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• paid in a series of substantially equal periodic payments made annually (or more frequently) for your life (or life expectancy) or for a period not exceeding the joint lives (or joint life expectancies) of you and your Beneficiary;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• paid under an immediate annuity; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• which come from Premiums made prior to August 14, 1982.

As of 2013, the taxable portion of distributions from a non-qualified annuity Contract are considered investment income for purposes of the Medicare tax on investment income. As a result, a 3.8% tax will generally apply to some or all of the taxable portion of distributions to individuals whose modified adjusted gross income exceeds certain threshold amounts. These levels are $200,000 in the case of single taxpayers, $250,000 in the case of married taxpayers filing joint returns, and $125,000 in the case of married taxpayers filing separately. Owners should consult their own tax advisors for more information.

**Non-Qualified Contracts – Required Distributions.** In order to be treated as an annuity contract for federal income tax purposes, the Code requires any non-qualified contract issued after January 18, 1985 to provide that (a) if an Owner dies on or after the annuity starting date but prior to the time the entire interest in the contract has been distributed, the remaining portion of such interest will be distributed at least as rapidly as under the method of distribution being used as of the date of that Owner's death; and (b) if an Owner dies prior to the annuity starting date, the entire interest in the contract must be distributed within five years after the date of the Owner's death.

The requirements of (b) above can be considered satisfied if any portion of the Owner's interest which is payable to or for the benefit of a "designated Beneficiary" is distributed over the life of such Beneficiary or over a period not extending beyond the life expectancy of that Beneficiary and such distributions begin within one year of that Owner's death. The Owner's "designated Beneficiary," who must be a natural person, is the person designated by such Owner as a Beneficiary and to whom ownership of the Contract passes by reason of death. However, if the Owner's "designated Beneficiary" is the surviving spouse of the Owner, the Contract may be continued with the surviving spouse as the new Owner. A surviving spouse must meet the requirements under federal tax law to continue the contract.

**Non-Qualified Contracts - 1035 Exchanges.** Under Section 1035 of the Code, you can purchase a variable annuity contract through a tax-free exchange of another annuity contract, or a life insurance or endowment contract. For the exchange to be tax-free under Section 1035, the owner and annuitant must be the same under the original annuity contract and the Contract issued to you in the exchange. If the original contract is a life insurance contract or endowment contract, the owner and the insured on the original contract must be the same as the owner and annuitant on the Contract issued to you in the exchange. Under certain circumstances, partial withdrawals may be treated as a tax-free "partial 1035 exchange" (please see the SAI for more information).

**Tax-Qualified Contracts – Withdrawals and Income Payments.** The Code imposes limits on loans, withdrawals and income payments under tax-qualified contracts. The Code also imposes required minimum distributions for tax-qualified contracts and a 10% penalty on certain taxable amounts received prematurely under a tax-qualified Contract. These limits, required minimum distributions, tax penalties and the tax computation rules are summarized in the SAI. Any withdrawals under a tax-qualified contract, including withdrawals under any GMWB you may elect, will be taxable except to the extent they are allocable to an investment in the contract (any after-tax contributions). In most cases, there will be little or no investment in the contract for a tax-qualified contract because contributions will have been made on a pre-tax or tax-deductible basis.

**Withdrawals – Tax-Sheltered Annuities.** The Code limits the withdrawal of amounts attributable to Premium payments made under a salary reduction agreement from Tax-Sheltered Annuities. Withdrawals can only be made when an Owner:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• reaches age 59 ½;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• leaves his/her job;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• dies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• becomes disabled (as that term is defined in the Code); or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• experiences hardship. However, in the case of hardship, the Owner can only withdraw the Premium and not any earnings.

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**Withdrawals – Roth IRAs.** Subject to certain limitations, individuals may also purchase a type of non-deductible IRA annuity known as a Roth IRA annuity. Qualified distributions from Roth IRA annuities are entirely federal income-tax free. A qualified distribution requires that the individual has held the Roth IRA annuity for at least five years and, in addition, that the distribution is made either after the individual reaches age 59 ½, on account of the individual's death or disability, or as a qualified first-time home purchase, subject to $10,000 lifetime maximum, for the individual, or for a spouse, child, grandchild or ancestor. See SAI for additional details about Roth IRAs.

**Constructive Withdrawals – Investment Adviser Fees.** In 2019, we obtained a private letter ruling ("PLR") from the Internal Revenue Service recognizing our ability, in specific circumstances, to treat the payment of investment advisory fees to an investment advisor out of nonqualified contracts as non-taxable withdrawals from the contracts.

Pursuant to the guidance provided by the Internal Revenue Service, we only permit the deduction of investment adviser fees from a contract in the following circumstances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The contract is an advisory fee product;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• A written contract exists between the registered investment adviser and the contract owner;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• During the time that the contract owner authorizes us to deduct advisory fees directly from the contract and automatically transmit them to a registered investment adviser, the contract will be solely liable for the fees and the fees will not be paid directly by the owner;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The fees are paid directly from the annuity contract to the registered investment adviser;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The fees do not exceed an amount equal to an annual rate of 1.50% of the contract's cash value.

When these requirements are met, we will not treat such a deduction of fees as a taxable distribution. In order to prevent negative tax consequences, these deductions are only permitted if the above requirements are met. Any withdrawals taken by a contract owner in scenarios that do not conform to the above requirements will be treated as any other partial withdrawal from the contract, and may be subject to federal and state income taxes and a 10% federal penalty tax.

**Death Benefits.** None of the death benefits paid under the Contract to the Beneficiary will be tax-exempt life insurance benefits. The rules governing the taxation of payments from an annuity Contract, as discussed above, generally apply to the payment of death benefits and depend on whether the death benefits are paid as a lump sum or as annuity payments. Estate or gift taxes may also apply.

**Assignment.** An assignment of your Contract will generally be a taxable event. Assignments of a tax-qualified Contract may also be limited by the Code and the Employee Retirement Income Security Act of 1974, as amended. These limits are summarized in the SAI. You should consult your tax advisor prior to making any assignment of your Contract.

An assignment or pledge of all or any portion of the value of a Non-Qualified Contract is treated under Section 72 of the Code as an amount not received as an annuity. The total value of the Contract assigned or pledged that exceeds the aggregate Premiums paid will be included in the individual's gross income. In addition, the amount included in the individual's gross income could also be subject to the 10% penalty tax discussed in connection with Non-Qualified Contracts.

An assignment or pledge of all or any portion of the value of a Qualified Contract will disqualify the Qualified Contract. The Code requires the Qualified Contract to be nontransferable.

**Diversification.** The Code provides that the underlying investments for a non-qualified variable annuity must satisfy certain diversification requirements in order to be treated as an annuity Contract. We believe that the underlying investments are being managed so as to comply with these requirements. A fuller discussion of the diversification requirements is contained in the SAI.

**Owner Control.** In a Revenue Ruling issued in 2003, the Internal Revenue Service (IRS) considered certain variable annuity and variable life insurance Contracts and held that the types of actual and potential control that the Contract Owners could exercise over the investment assets held by the insurance company under these variable Contracts was not sufficient to cause the Contract Owners to be treated as the Owners of those assets and thus to be subject to current income tax on the income and gains produced by those assets. Under the Contract, like the contracts described in the Revenue Ruling, there will be no arrangement, plan, Contract or agreement between the Contract Owner and Jackson of NY regarding the availability of a particular investment option and other than the Contract Owner's right to allocate Premiums and transfer funds among the available sub-accounts, all investment decisions concerning

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the sub-accounts will be made by the insurance company or an adviser in its sole and absolute discretion. See Revenue Rule 2003-91 and the SAI for additional details.

**Withholding.** In general, the income portion of distributions from a Contract are subject to 10% federal income tax withholding and the income portion of income payments are subject to withholding at the same rate as wages unless you elect not to have tax withheld. Some states have enacted similar rules. Different rules may apply to payments delivered outside the United States.

Eligible rollover distributions from a Contract issued under certain types of tax-qualified plans will be subject to federal tax withholding at a mandatory 20% rate unless the distribution is made as a direct rollover to a tax-qualified plan or to an individual retirement account or annuity.

The Code generally allows the rollover of most distributions to and from tax-qualified plans, tax-sheltered annuities, Individual Retirement Annuities and eligible deferred compensation plans of state or local governments. Distributions which may not be rolled over are those which are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;&nbsp;&nbsp;&nbsp;one of a series of substantially equal annual (or more frequent) payments made (a) over the life or life expectancy of the employee, (b) the joint lives or joint life expectancies of the employee and the employee's Beneficiary, or (c) for a specified period of ten years or more;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;&nbsp;&nbsp;&nbsp;a required minimum distribution; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;&nbsp;&nbsp;&nbsp;a hardship withdrawal.

Jackson of NY reserves the right to change tax reporting practices where it determines that a change is necessary to comply with federal or state tax rules (whether formal or informal).

**Annuity Purchases by Nonresident Aliens and Foreign Corporations.** The discussion above provides general information regarding U.S. federal income tax consequences to annuity purchasers that are U.S. citizens or residents. Purchasers that are not U.S. citizens or residents will generally be subject to U.S. federal withholding tax on taxable distributions from annuity contracts at a 30% rate, unless a lower treaty rate applies. In addition, purchasers may be subject to state and/or municipal taxes and taxes that may be imposed by the purchaser's country of citizenship or residence. Prospective purchasers are advised to consult with a qualified tax adviser regarding U.S. state, and foreign taxation with respect to an annuity contract purchase.

**Definition of Spouse.** The Contract provides that upon your death, a surviving spouse may have certain continuation rights that he or she may elect to exercise for the Contract's death benefit. All Contract provisions relating to spousal continuation are available only to a person who meets the definition of "spouse" under federal law. The U.S. Supreme Court has held that same-sex marriages must be permitted under state law and that marriages recognized under state law will be recognized for federal law purposes. Domestic partnerships and civil unions that are not recognized as legal marriages under state law, however, will not be treated as marriages under federal law. Consult a tax adviser for more information on this subject.

**Transfers, Assignments or Exchanges of a Contract.** A transfer or assignment of ownership of a Contract, the designation of an annuitant other than the owner, the selection of certain maturity dates, or the exchange of a Contract may result in certain tax consequences to you that are not discussed herein. An owner contemplating any such transfer, assignment or exchange, should consult a tax advisor as to the tax consequences.

**Tax Law Changes***.* Although the likelihood of legislative changes is uncertain, there is always the possibility that the tax treatment of the Contract could change by legislation or otherwise. Consult a tax adviser with respect to legislative developments and their effect on the Contract.

We have the right to modify the contract in response to legislative changes that could otherwise diminish the favorable tax treatment that annuity contract owners currently receive. We make no guarantee regarding the tax status of any contract and do not intend the above discussion as tax advice.

**JACKSON OF NY TAXATION**

We reserve the right to deduct from the Contract Value any taxes attributed to the Contract and paid by us to any government entity (including, but not limited to, Premium Taxes, Federal, state and local withholding of income, estate, inheritance, other taxes required

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by law and any new or increased state income taxes that may be enacted into law). Premium taxes generally range from 0% to 2%, which are applicable only in certain jurisdictions. We will determine when taxes relate to the Contract.

We may pay taxes when due and deduct that amount from the Contract Value at a later date. Payment at an earlier date does not waive any right we may have to deduct amounts at a later date. We will withhold taxes required by law from any amounts payable from this Contract.

In calculating our corporate income tax liability, we derive certain corporate income tax benefits associated with the investment of company assets, including separate account assets that are treated as company assets under applicable income tax law. These benefits reduce our overall corporate income tax liability. Under current law, such benefits may include dividends received deductions and foreign tax credits which can be material. We do not pass these benefits through to the separate accounts, principally because: (i) the great bulk of the benefits results from the dividends received deduction, which involves no reduction in the dollar amount of dividends that the separate account receives; (ii) product owners are not the owners of the assets generating the benefits under applicable income tax law; and (iii) we do not currently include company income taxes in the charges owners pay under the products.

**OTHER INFORMATION**

**Dollar Cost Averaging.** You can arrange to have a dollar amount or percentage of money periodically transferred automatically into the Investment Divisions and other Fixed Account Options (if currently available) (each a "Designated Option") from the one-year Fixed Account (if currently available) or any of the Investment Divisions (each a "Source Option"). If we impose any transfer restrictions on the one-year Fixed Account Option as discussed in numbered paragraphs 1-4 under "Transfers and Frequent Transfer Restrictions," then (i) the one-year Fixed Account Option can be used as a Source Option for Dollar Cost Averaging only with respect to new Premiums that are allocated to that Source Option, (ii) only a twelve-month Dollar Cost Averaging period may be selected, (iii) transfers out of the one-year Fixed Account Option pursuant to such Dollar Cost Averaging will not count against the maximum amount limitations we have imposed on transfers out of the one-year Fixed Account Option and (iv) transfers from that Source Option other than such scheduled transfers will not be permitted.

In the case of transfers from the one-year Fixed Account or Investment Divisions with a less volatile unit value, Dollar Cost Averaging can let you pay a lower average cost per unit over time than you would receive if you made a one-time purchase. 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.

There is no charge for Dollar Cost Averaging. You may cancel your Dollar Cost Averaging program using whatever methods you use to change your allocation instructions. You should consult with your financial professional with respect to the current availability of Dollar Cost Averaging. Certain restrictions may apply.

**Dollar Cost Averaging Plus (DCA+).** The DCA+ Fixed Account Option is a "source account" designed for dollar cost averaging transfers to Investment Divisions or systematic transfers to other Fixed Account Options. A Contract Value of $15,000 is required to participate. From time to time, we will offer special enhanced interest rates on the DCA+ Fixed Account Option. If a DCA+ Fixed Account Option is selected, monies in the DCA+ Fixed Account Option will be systematically transferred to the Investment Divisions or other Fixed Account Options chosen over a DCA+ term of either twelve months or six months, as you select.

Transfers out of the DCA+ Fixed Account Option other than the automatic DCA+ transfers can be made only if you discontinue use of the DCA+ Fixed Account Option. Also, if we impose any transfer restrictions on the one-year Fixed Account Option as discussed in numbered paragraphs 1-4 under "Transfers and Frequent Transfer Restrictions," then (i) you may not discontinue the DCA+ Fixed Account Option or otherwise transfer or withdraw any amounts from the DCA+ Fixed Account Option, but (ii) automatic transfers pursuant to DCA+ will not count against any maximum amount limitations we have imposed on transfers out of the one-year Fixed Account Option.

There is no charge for DCA+. You may cancel your DCA+ program using whatever methods you use to change your allocation instructions. We may discontinue the availability of DCA+ at any time and without notice. You should consult your financial professional with respect to the current availability of the Fixed Account Options and the availability of DCA+. Certain restrictions may apply.

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**Earnings Sweep.** You can choose to move your earnings from the source accounts (only applicable from the one year Fixed Account Option and the JNL/Dreyfus Government Money Market Investment Division). Earnings Sweep may only be added within 30 days of the issue date of your Contract.

There is no charge for Earnings Sweep. You may cancel your Earnings Sweep program using whatever methods you use to change your allocation instructions. You should consult with your financial professional with respect to the current availability of Earnings Sweep. Certain restrictions may apply.

**Rebalancing.** You can arrange to have us automatically reallocate your Contract Value among Investment Divisions and the one-year Fixed Account periodically to maintain your selected allocation percentages. Rebalancing will terminate if your rebalancing program includes the one-year Fixed Account Option and (i) we impose any transfer restrictions on the one-year Fixed Account Option as discussed in numbered paragraphs 1-4 under "Transfers and Frequent Transfer Restrictions" or (ii) we exercise our right to require that any Premiums allocated to the one-year Fixed Account Option be automatically transferred out of that option over a period of time that we specify. In that case, however, you could re-elect automatic rebalancing without the one-year Fixed Account Option. Rebalancing is consistent with maintaining your allocation of investments among market segments, although it is accomplished by reducing your Contract Value allocated to the better performing Investment Divisions.

There is no charge for Rebalancing. You may cancel your Rebalancing program using whatever methods you use to change your allocation instructions. You should consult with your financial professional with respect to the current availability of Rebalancing. Certain restrictions may apply.

**Free Look.** You may return your Contract to the selling agent or us within twenty days after receiving it. Upon receipt of your Contract, we will refund the Contract Value determined as of the Business Day on which the Contract is returned to the selling agent or the Company, including any fees or other charges deducted from the premiums or imposed under the Contract.

We will return Premium payments where required by law. We will pay the applicable free look proceeds within seven days of a request in Good Order. If a Premium payment made by personal check or electronic draft is received within the five days preceding a free look request, we may delay payment of the free look proceeds up to seven days after the date of the request, to ensure the check or electronic draft is not returned due to insufficient funds.

**Advertising.** From time to time, we may advertise several types of performance of the Investment Divisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ***Total return*** is the overall change in the value of an investment in an Investment Division over a given period of time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ***Standardized average annual total return*** is calculated in accordance with SEC guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ***Non-standardized total return*** may be for periods other than those required by, or may otherwise differ from, standardized average annual total return. For example, if a Fund has been in existence longer than the Investment Division, we may show non-standardized performance for periods that begin on the inception date of the Fund, rather than the inception date of the Investment Division.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ***Yield*** refers to the income generated by an investment over a given period of time.

Performance will be calculated by determining the percentage change in the Accumulation Unit value by dividing the increase (decrease) for that unit by the Accumulation Unit value at the beginning of the period. Performance will reflect the deduction of the Core Contract Charge and may reflect the deduction of contract maintenance, but will not reflect charges for add-on benefits except in performance data used in sales materials that promote those add-on benefits. The deduction of charges for add-on benefits would reduce the percentage increase or make greater any percentage decrease.

**Modification of Your Contract.** Only our President, Vice President, Secretary or Assistant Secretary may approve a change to or waive a provision of your Contract. Any change or waiver must be in writing. We may change the terms of your Contract without your consent in order to comply with changes in applicable law, or otherwise as we deem necessary. Your written consent will be obtained prior to changing any terms and conditions of the Contract in a manner that diminishes your rights and/or benefits under the Contract.

**Confirmation of Transactions.** A written statement will be mailed to you, or, if electronic delivery has been elected, a statement will be made available on Jackson.com, confirming that a financial transaction, such as a Premium payment, withdrawal, or

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transfer has been completed. This confirmation statement will provide details about the transaction. Certain transactions which are made on a periodic or systematic basis will be confirmed in a quarterly statement only.

It is important that you carefully review the information contained in the statements that confirm your transactions. If you believe an error has occurred you must notify us in writing promptly upon receipt of the statement so that we can make any appropriate adjustments.

**Delivery of Fund Reports.** Beginning with the N-CSR filing for the period ended June 30, 2024, you will no longer receive a notice each time a report is posted. In accordance with recent regulatory changes, Jackson will be providing you with individual Tailored Shareholder Reports ("TSRs") for each of your Investment Divisions via your preferred delivery method. You can request paper copies of the Funds' annual and semi-annual TSRs or the Trust's Financial Statements. Both the TSRs and the Trust's Financial Statements will also be made available on our website (<u>www.jackson.com</u>). You may elect to receive all future annual and semi-annual TSRs in paper free of charge. You can inform Jackson of NY that you wish to receive paper copies of those reports by contacting Jackson of NY as described on the cover page of this prospectus. Your election to receive these TSRs will apply to all Funds described herein.

**Legal Proceedings.** Jackson National Life Insurance Company (Jackson of NY's parent) and its subsidiaries are defendants in a number of civil proceedings arising in the ordinary course of business and otherwise. We do not believe at the present time that any pending action or proceeding will have a material adverse effect upon the Separate Account, Jackson of NY's ability to meet its obligations under the Contracts, or Jackson National Life Distributors LLC's ability to perform its contract with the Separate Account.

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**APPENDIX A**

**INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Funds (all Class I 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>https://www.jackson.com/fund-literature.html</u>. You can also request this information at no cost by calling 1-800-599-5651 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) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Allocation | **JNL/American Funds Balanced Fund**<sup>1</sup> |  |  |  |  |
| Allocation | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.60%<sup>2</sup> | 15.83% | 8.91% | 9.45% |
| 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>) | 0.52%<sup>2</sup> | 7.13% | 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>) | 0.65%<sup>2</sup> | 20.22% | 8.95% | N/A |
| International/<br>Global Equity | **JNL/American Funds Global Growth Fund**<sup>1</sup> |  |  |  |  |
| International/<br>Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.75%<sup>2</sup> | 21.55% | 8.16% | N/A |
| 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>) | 0.59%<sup>2</sup> | 20.23% | 13.36% | N/A |
| U.S. Equity | **JNL/American Funds Growth-Income Fund**<sup>1</sup> |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.61%<sup>2</sup> | 17.99% | 13.82% | 13.80% |
| International/<br>Global Equity | **JNL/American Funds International Fund**<sup>1</sup> |  |  |  |  |
| International/<br>Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.81%<sup>2</sup> | 26.62% | 3.30% | 6.89% |
| International/<br>Global Equity | **JNL/American Funds New World Fund**<sup>1</sup> |  |  |  |  |
| International/<br>Global Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.96%<sup>2</sup> | 28.12% | 5.19% | 9.11% |
| U.S. Equity | **JNL/American Funds**<sup>®</sup> **Washington Mutual Investors Fund**<sup>1</sup> |  |  |  |  |
| U.S. Equity | (Investment Adviser to the Master Fund: Capital Research and Management Company<sup>SM</sup>) | 0.61%<sup>2</sup> | 17.09% | 13.77% | 12.27% |
| 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.; Westchester Capital Management, LLC | 2.00%<sup>2</sup> | 9.79% | 4.52% | N/A |
| International/<br>Global Equity | **JNL Multi-Manager Emerging Markets Equity Fund** |  |  |  |  |
| International/<br>Global Equity | (GQG Partners LLC, Kayne Anderson Rudnick Investment Management, LLC; T. Rowe Price Associates, Inc. (Sub-Sub-Adviser: T. Rowe Price Hong Kong Limited); WCM Investment Management, LLC | 0.92% | 24.59% | 1.97% | 6.02% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Fixed Income | **JNL Multi-Manager Floating Rate Income Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.; FIAM LLC) | 0.65% | 4.13% | 4.99% | N/A |
| Allocation | **JNL Multi-Manager Global Small Cap Fund** |  |  |  |  |
| Allocation |  | 0.86% | 14.57% | 0.44% | 7.19% |
| International/<br>Global Equity | **JNL Multi-Manager International Equity Fund** |  |  |  |  |
| International/<br>Global Equity | (Causeway Capital Management LLC; Lazard Asset Management LLC; WCM Investment Management, LLC; William Blair Investment Management, LLC) | 0.67% | 23.78% | 2.20% | 5.47% |
| International/<br>Global Equity | **JNL Multi-Manager International Small Cap Fund** |  |  |  |  |
| International/<br>Global Equity | (Causeway Capital Management LLC; FIAM LLC (Sub-Sub-Adviser: FMR Investment Management (UK) Limited); WCM Investment Management, LLC) | 0.90% | 25.88% | 5.66% | N/A |
| U.S. Equity | **JNL Multi-Manager Mid Cap Fund** |  |  |  |  |
| U.S. Equity | (Champlain Investment Partners, LLC; Kayne Anderson Rudnick Investment Management, LLC; River Road Asset Management, LLC; Victory Capital Management Inc.) | 0.76% | 2.13% | 5.21% | N/A |
| U.S. Equity | **JNL Multi-Manager Select Equity Fund** |  |  |  |  |
| U.S. Equity | (GQG Partners, LLC; River Road Asset Management, LLC; WCM Investment Management, LLC) | 0.69%<sup>2</sup> | 16.39% | N/A | N/A |
| U.S. Equity | **JNL Multi-Manager Small Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (BAMCO, Inc.; Driehaus Capital Management, LLC; Granahan Investment Management, Inc.; Kayne Anderson Rudnick Investment Management, LLC; Segall Bryant & Hamill, LLC; WCM Investment Management, LLC) | 0.68% | 3.87% | -0.99% | 9.71% |
| U.S. Equity | **JNL Multi-Manager Small Cap Value Fund** |  |  |  |  |
| U.S. Equity | (Congress Asset Management Company, LLP; Cooke & Bieler, L.P.; Reinhart Partners, Inc.; River Road Asset Management, LLC; WCM Investment Management, LLC | 0.77% | 3.01% | 8.32% | 8.90% |
| Allocation | **JNL Moderate ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.53% | 12.48% | 4.50% | N/A |
| Allocation | **JNL Moderate Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.53% | 15.01% | 6.22% | N/A |
| Allocation | **JNL Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.55% | 16.97% | 7.91% | N/A |
| Allocation | **JNL/American Funds Moderate Allocation Fund** |  |  |  |  |
| Allocation |  | 0.67% | 13.54% | N/A | N/A |
| Allocation | **JNL/American Funds Moderate Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 0.68% | 16.63% | 6.04% | N/A |
| Allocation | **JNL/American Funds Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 0.69% | 18.86% | 7.84% | N/A |
| Allocation | **JNL/BlackRock Global Allocation Fund** |  |  |  |  |
| Allocation | (BlackRock Investment Management, LLC; Sub-Sub-Advisers: BlackRock International Limited and BlackRock (Singapore) Limited) | 0.76% | 19.08% | 6.39% | 7.77% |
| Alternative | **JNL/BlackRock Global Natural Resources Fund** |  |  |  |  |
| Alternative | (BlackRock International Limited) | 0.70% | 30.19% | 13.95% | 9.00% |
| U.S. Equity | **JNL/BlackRock Large Cap Select Growth Fund** |  |  |  |  |
| U.S. Equity | (BlackRock Investment Management, LLC) | 0.53%<sup>2</sup> | 11.74% | 10.74% | 15.51% |
| International/<br>Global Equity | **JNL/Causeway International Value Select Fund** |  |  |  |  |
| International/<br>Global Equity | (Causeway Capital Management LLC) | 0.66% | 43.44% | 14.46% | 10.26% |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Sector Equity | **JNL/Cohen & Steers U.S. Realty Fund** |  |  |  |  |
| Sector Equity | (Cohen & Steers Capital Management, Inc.) | 0.74% | 3.06% | 5.04% | N/A |
| International/<br>Global Equity | **JNL/DFA International Core Equity Fund** |  |  |  |  |
| International/<br>Global Equity | (Dimensional Fund Advisors LP) | 0.56%<sup>2</sup> | 35.75% | 10.11% | N/A |
| U.S. Equity | **JNL/DFA U.S. Core Equity Fund** |  |  |  |  |
| U.S. Equity | (Dimensional Fund Advisors LP) | 0.45%<sup>2</sup> | 15.55% | 13.05% | 13.54% |
| U.S. Equity | **JNL/DFA U.S. Small Cap Fund** |  |  |  |  |
| U.S. Equity | (Dimensional Fund Advisors LP) | 0.64%<sup>2</sup> | 7.41% | 8.85% | N/A |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Core Fixed Income Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 0.48% | 7.52% | 0.38% | 2.34% |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Emerging Markets Fixed Income Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 0.78% | 8.84% | 1.98% | N/A |
| U.S. Equity | **JNL/DoubleLine**<sup>®</sup> **Shiller Enhanced CAPE® Fund** |  |  |  |  |
| U.S. Equity | (DoubleLine Capital LP) | 0.69% | 9.29% | 8.56% | N/A |
| Fixed Income | **JNL/DoubleLine**<sup>®</sup> **Total Return Fund** |  |  |  |  |
| Fixed Income | (DoubleLine Capital LP) | 0.53% | 7.92% | 0.39% | N/A |
| Fixed Income | **JNL/Dreyfus Government Money Market Fund** |  |  |  |  |
| Fixed Income | (Mellon Investments Corporation) | 0.26% | 4.09% | 3.05% | 1.95% |
| U.S. Equity | **JNL/Fidelity Institutional AM**<sup>®</sup> **& JPMorgan Large Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (FIAM LLC; J.P. Morgan Investment Management Inc.) | 0.64% | 9.39% | 10.79% | N/A |
| Fixed Income | **JNL/Fidelity Institutional AM**<sup>®</sup> **Total Bond Fund** |  |  |  |  |
| Fixed Income | (FIAM LLC) | 0.46% | 7.72% | 0.36% | 2.37% |
| Alternative | **JNL/First Sentier Global Infrastructure Fund** |  |  |  |  |
| Alternative | (First Sentier Investors (Australia) IM Ltd) | 0.86% | 17.97% | 7.04% | 7.25% |
| Allocation | **JNL/Franklin Templeton Income Fund** |  |  |  |  |
| Allocation | (Franklin Advisers, Inc.) | 0.62% | 12.26% | 7.50% | 7.40% |
| U.S. Equity | **JNL/Goldman Sachs 4 Fund** |  |  |  |  |
| U.S. Equity | (Goldman Sachs Asset Management, L.P.) | 0.40% | 17.05% | 14.29% | N/A |
| International/<br>Global Equity | **JNL/GQG Emerging Markets Equity Fund** |  |  |  |  |
| International/<br>Global Equity | (GQG Partners LLC) | 1.04% | 10.63% | 2.95% | N/A |
| U.S. Equity | **JNL/Invesco Small Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (Invesco Advisers, Inc.) | 0.72% | 6.48% | -0.43% | 9.36% |
| Alternative | **JNL/JPMorgan Hedged Equity Fund** |  |  |  |  |
| Alternative | (J.P. Morgan Investment Management Inc.) | 0.66% | 7.41% | 8.91% | N/A |
| U.S. Equity | **JNL/JPMorgan MidCap Growth Fund** |  |  |  |  |
| U.S. Equity | (J.P. Morgan Investment Management Inc.) | 0.59% | 8.41% | 4.54% | 12.47% |
| Alternative | **JNL/JPMorgan Nasdaq**<sup>®</sup> **Hedged Equity Fund** |  |  |  |  |
| Alternative | (J.P. Morgan Investment Management Inc.) | 0.69% | 9.02% | N/A | N/A |
| Fixed Income | **JNL/JPMorgan U.S. Government & Quality Bond Fund** |  |  |  |  |
| Fixed Income | (J.P. Morgan Investment Management Inc.) | 0.39% | 6.95% | -0.29% | 1.73% |
| U.S. Equity | **JNL/JPMorgan U.S. Value Fund** |  |  |  |  |
| U.S. Equity | (J.P. Morgan Investment Management Inc.) | 0.59% | 14.21% | 12.32% | 9.31% |
| International/<br>Global Equity | **JNL/Loomis Sayles Global Growth Fund** |  |  |  |  |
| International/<br>Global Equity | (Loomis, Sayles & Company, L.P.) | 0.69% | 17.83% | 9.17% | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Fixed Income | **JNL/Lord Abbett Short Duration Income Fund** |  |  |  |  |
| Fixed Income | (Lord, Abbett & Co. LLC) | 0.50% | 6.28% | 2.57% | N/A |
| International/<br>Global Equity | **JNL/Mellon World Index Fund** |  |  |  |  |
| International/<br>Global Equity | (Mellon Investments Corporation) | 0.30%<sup>2</sup> | 21.20% | 12.19% | N/A |
| Sector Equity | **JNL/Mellon Communication Services Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.29%<sup>2</sup> | 33.47% | 14.31% | 14.21% |
| Sector Equity | **JNL/Mellon Consumer Discretionary Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.29%<sup>2</sup> | 5.43% | 7.72% | 13.39% |
| Sector Equity | **JNL/Mellon Consumer Staples Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.30%<sup>2</sup> | 0.78% | 5.83% | N/A |
| Sector Equity | **JNL/Mellon Energy Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.29%<sup>2</sup> | 7.24% | 23.21% | 7.39% |
| Sector Equity | **JNL/Mellon Financial Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.29%<sup>2</sup> | 16.58% | 14.92% | 12.70% |
| Sector Equity | **JNL/Mellon Healthcare Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.28%<sup>2</sup> | 14.87% | 6.46% | 9.37% |
| Sector Equity | **JNL/Mellon Industrials Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.30%<sup>2</sup> | 18.49% | 13.02% | N/A |
| Sector Equity | **JNL/Mellon Information Technology Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.26%<sup>2</sup> | 21.15% | 18.96% | 23.04% |
| Sector Equity | **JNL/Mellon Materials Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.32%<sup>2</sup> | 14.89% | 7.99% | N/A |
| Sector Equity | **JNL/Mellon Real Estate Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.31%<sup>2</sup> | 3.72% | 4.56% | N/A |
| U.S. Equity | **JNL S&P 500 Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.09%<sup>2</sup> | 17.79% | 14.31% | N/A |
| Sector Equity | **JNL/Mellon Utilities Sector Fund** |  |  |  |  |
| Sector Equity | (Mellon Investments Corporation) | 0.30%<sup>2</sup> | 19.02% | 10.51% | N/A |
| U.S. Equity | **JNL/MFS Equity Income Fund** |  |  |  |  |
| U.S. Equity | (Massachusetts Financial Services Company (d/b/a MFS Investment Management)) | 0.62% | 15.64% | 10.72% | N/A |
| U.S. Equity | **JNL/MFS Mid Cap Value Fund** |  |  |  |  |
| U.S. Equity | (Massachusetts Financial Services Company (d/b/a MFS Investment Management)) | 0.65% | 6.33% | 10.33% | 9.82% |
| U.S. Equity | **JNL/Morningstar SMID Moat Focus Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.46% | 6.59% | N/A | N/A |
| U.S. Equity | **JNL/Morningstar U.S. Sustainability Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.36%<sup>2</sup> | 13.81% | 12.84% | N/A |
| U.S. Equity | **JNL/Morningstar Wide Moat Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.46% | 13.23% | 12.22% | N/A |
| Fixed Income | **JNL/Neuberger Berman Strategic Income Fund** |  |  |  |  |
| Fixed Income | (Neuberger Berman Investment Advisers LLC) | 0.65% | 9.54% | 3.32% | 4.39% |
| U.S. Equity | **JNL/Newton Equity Income Fund** |  |  |  |  |
| U.S. Equity | (Newton Investment Management North America, LLC) | 0.56% | 19.32% | 16.54% | N/A |
| Fixed Income | **JNL/PIMCO Income Fund** |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | 0.69% | 11.43% | 3.72% | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Fixed Income | **JNL/PIMCO Investment Grade Credit Bond Fund** |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | 0.55% | 8.71% | -0.01% | N/A |
| Fixed Income | **JNL/PIMCO Real Return Fund** |  |  |  |  |
| Fixed Income | (Pacific Investment Management Company LLC) | 1.38% | 8.10% | 1.55% | 3.43% |
| Fixed Income | **JNL/PPM America High Yield Bond Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | 0.46% | 8.78% | 4.60% | 6.18% |
| Fixed Income | **JNL/PPM America Investment Grade Credit Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | 0.53% | 7.57% | N/A | N/A |
| Fixed Income | **JNL/PPM America Total Return Fund** |  |  |  |  |
| Fixed Income | (PPM America, Inc.) | 0.49% | 7.10% | 0.04% | N/A |
| U.S. Equity | **JNL/RAFI**<sup>®</sup> **Fundamental U.S. Small Cap Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.32%<sup>2</sup> | 7.17% | 9.59% | 7.19% |
| U.S. Equity | **JNL/RAFI**<sup>®</sup> **Multi-Factor U.S. Equity Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.37% | 16.53% | 12.77% | 11.13% |
| Allocation | **JNL/T. Rowe Price Capital Appreciation Fund** |  |  |  |  |
| Allocation | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | 0.65%<sup>2</sup> | 11.79% | 9.33% | N/A |
| 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.) | 0.67%<sup>2</sup> | 14.92% | N/A | N/A |
| U.S. Equity | **JNL/T. Rowe Price Growth Stock Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.) | 0.53%<sup>2</sup> | 15.61% | 9.52% | 14.38% |
| U.S. Equity | **JNL/T. Rowe Price Mid-Cap Growth Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.; Sub-Sub-Adviser: T. Rowe Price Investment Management, Inc.) | 0.65%<sup>2</sup> | 3.46% | 3.83% | 9.85% |
| Fixed Income | **JNL/T. Rowe Price Short-Term Bond Fund** |  |  |  |  |
| Fixed Income | (T. Rowe Price Associates, Inc.) | 0.42%<sup>2</sup> | 5.64% | 2.21% | 2.41% |
| U.S. Equity | **JNL/T. Rowe Price Value Fund** |  |  |  |  |
| U.S. Equity | (T. Rowe Price Associates, Inc.) | 0.55%<sup>2</sup> | 12.35% | 10.87% | 10.88% |
| Allocation | **JNL/Vanguard Moderate ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.26%<sup>2</sup> | 12.18% | 4.26% | N/A |
| Allocation | **JNL/Vanguard Moderate Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.27%<sup>2</sup> | 14.62% | 6.02% | N/A |
| Allocation | **JNL/Vanguard Growth ETF Allocation Fund** |  |  |  |  |
| Allocation | (Mellon Investments Corporation) | 0.26%<sup>2</sup> | 16.58% | 7.63% | N/A |
| International/<br>Global Equity | **JNL/WCM Focused International Equity Fund** |  |  |  |  |
| International/<br>Global Equity | (WCM Investment Management, LLC) | 0.80% | 21.85% | 5.12% | N/A |
| Alternative | **JNL/Westchester Capital Event Driven Fund** |  |  |  |  |
| Alternative | (Westchester Capital Management, LLC) | 1.36% | 7.69% | 3.89% | N/A |
| Allocation | **JNL/WMC Balanced Fund** |  |  |  |  |
| Allocation | (Wellington Management Company LLP) | 0.41% | 16.04% | 9.22% | 9.57% |
| U.S. Equity | **JNL/WMC Equity Income Fund** |  |  |  |  |
| U.S. Equity | (Wellington Management Company LLP) | 0.59% | 17.11% | 12.42% | N/A |
| U.S. Equity | **JNL/WMC Value Fund** |  |  |  |  |
| U.S. Equity | (Wellington Management Company LLP) | 0.49% | 14.99% | 11.24% | 10.11% |
| Allocation | **JNL Conservative Allocation Fund** |  |  |  |  |
| Allocation |  | 0.93% | 9.57% | 2.88% | N/A |

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** | **Average Annual Total Returns (as of 12/31/25)** |
| **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable) <br>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** | **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Allocation | **JNL Moderate Allocation Fund** |  |  |  |  |
| Allocation |  | 0.92% | 11.07% | 4.42% | N/A |
| Allocation | **JNL Moderate Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 0.91% | 12.99% | 5.68% | N/A |
| Allocation | **JNL Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 0.89% | 15.19% | 6.71% | N/A |
| Allocation | **JNL Aggressive Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 0.86% | 15.94% | 7.56% | N/A |
| Fixed Income | **JNL Bond Index Fund** |  |  |  |  |
| Fixed Income | (Mellon Investments Corporation) | 0.09%<sup>2</sup> | 7.17% | N/A | N/A |
| International/<br>Global Equity | **JNL Emerging Markets Index Fund** |  |  |  |  |
| International/<br>Global Equity | (Mellon Investments Corporation) | 0.16%<sup>2</sup> | 31.66% | N/A | N/A |
| International/<br>Global Equity | **JNL International Index Fund** |  |  |  |  |
| International/<br>Global Equity | (Mellon Investments Corporation) | 0.10%<sup>2</sup> | 32.13% | N/A | N/A |
| U.S. Equity | **JNL Mid Cap Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.10%<sup>2</sup> | 7.41% | N/A | N/A |
| U.S. Equity | **JNL Small Cap Index Fund** |  |  |  |  |
| U.S. Equity | (Mellon Investments Corporation) | 0.10%<sup>2</sup> | 6.06% | N/A | N/A |

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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. |

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The following is a list of Fixed Account Options currently available under the Contract. Depending on the add-on benefits you elect, you may not be able to invest in certain Fixed Account Options, as noted below. We may change the features of the Fixed Account Options listed below, offer new Fixed Account Options, and terminate existing Fixed Account Options. We will provide you with written notice before doing so. For more information about the Fixed Account Options, please see "The Fixed Account" beginning on page [14](#ie9f48585e73e4951bab8603da6b0ce3f_46).

**Note: If amounts are withdrawn from a Fixed Account Option before the end of its term, we may apply a Contract Adjustment. This may result in a significant reduction in your Contract Value.** 

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| | | |
|:---|:---|:---|
| **Name** | **Term** | **Minimum Guaranteed Interest Rate** |
| 1-year Fixed Account Option | 1 year | 2.40% |

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**APPENDIX B**

**TRADEMARKS, SERVICE MARKS, AND RELATED DISCLOSURES** 

"JNL<sup>®</sup>," "Jackson National<sup>®</sup>," "Jackson<sup>®</sup>," "Jackson of NY<sup>®</sup>" and "Jackson National Life Insurance Company of New York<sup>®</sup>" are trademarks of Jackson National Life Insurance Company<sup>®</sup>.

Goldman Sachs is a registered service mark of Goldman Sachs & Co. LLC

Fidelity Institutional Asset Management and Fidelity Institutional AM are registered service marks of FMR LLC. Used with permission.

The "S&P 500 <sup>®</sup> ," "S&P MidCap 400 <sup>®</sup> ,", and "S&P SmallCap 600 <sup>®</sup> ", (collectively, the "Indices") are products of S&P Dow Jones Indices LLC ("SPDJI"), and have been licensed for use by Jackson National Life Insurance Company and its affiliates (collectively, "Licensee"). S&P <sup>®</sup> and S&P 500 <sup>®</sup> , S&P 400 <sup>®</sup> , S&P MidCap 400 <sup>®</sup> , S&P 600 <sup>®</sup> , S&P SmallCap 600 <sup>®</sup> ,SPX <sup>®</sup> , SPY <sup>®</sup> , US 500™, The 500 <sup>®</sup> , iBoxx <sup>®</sup> , iTraxx <sup>®</sup> , and CDX <sup>®</sup> are trademarks of S&P Global, Inc. or its affiliates or licensors ("S&P"); Dow Jones <sup>®</sup> is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). It is not possible to invest directly in an index. The JNL S&P 500 Index Fund, JNL Mid Cap Index Fund, JNL Small Cap Index Fund (collectively, the "JNL Funds") are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the JNL Funds or any member of the public regarding the advisability of investing in securities generally or in the JNL Funds particularly or the ability of the Indices to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices' only relationship to Licensee with respect to the Indices is the licensing of the Indices and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors.

The Indices are determined, composed and calculated by S&P Dow Jones Indices without regard to Licensee or the JNL Funds. S&P Dow Jones Indices has no obligation to take the needs of Licensee or the owners of the JNL Funds into consideration in determining, composing or calculating the Indices. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of the JNL Funds. There is no assurance that investment products based on the Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading advisor, commodity pool operator, broker dealer, fiduciary, promoter" (as defined in the Investment Company Act of 1940, as amended), "expert" as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice. SPDJI provides indices that use environmental, social and/or governance (ESG) indicators (including, without limit, business involvement screens, conformance to voluntary corporate standards, GHG emissions data, and ESG scores) to select, weight and/or exclude constituents. ESG indicators seek to measure a company's, or an asset's performance, with respect to E, S and/or G criteria. ESG indicators are derived from publicly reported data, modelled data, or a combination of reported and modelled data. ESG indicators are based on a qualitative assessment due to the absence of well-defined uniform market standards and the use of multiple methodologies to assess ESG factors. No single clear, definitive test or framework (legal, regulatory, or otherwise) exists to determine labels such as, 'ESG', 'sustainable', 'good governance', 'no adverse environmental, social and/or other impacts', or other equivalently labelled objectives. Therefore, the exercise of subjective judgment is necessary. Different persons may classify the same investment, products and/or strategy differently regarding the foregoing labels.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDICES OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE JNL FUNDS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDICES OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED,

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PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND LICENSEE, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

The JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the "Corporations"). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund. The Corporations make no representation or warranty, express or implied to the owners of the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund or any member of the public regarding the advisability of investing in securities generally or in the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund particularly, or the ability of the Nasdaq-100 Index <sup>®</sup> to track general stock market performance. The Corporations' only relationship to Jackson National Life Insurance Company ("Licensee") is in the licensing of the Nasdaq <sup>®</sup> , and Nasdaq-100 Index <sup>®</sup> registered trademarks, and certain trade names of the Corporations and the use of the Nasdaq-100 Index <sup>®</sup> which is determined, composed and calculated by Nasdaq without regard to Licensee or the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund. Nasdaq has no obligation to take the needs of the Licensee or the owners of the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund into consideration in determining, composing or calculating the Nasdaq-100 Index <sup>®</sup> . The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund to be issued or in the determination or calculation of the equation by which the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund is to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund.

THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX<sup>®</sup> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE JNL/JPMORGAN NASDAQ<sup>®</sup> HEDGED EQUITY FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX<sup>®</sup> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX<sup>®</sup> OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

Morningstar<sup>®</sup> and the Morningstar Indices (as defined below) are trademarks or service marks of Morningstar, Inc. ("Morningstar") and have been licensed for use for certain purposes by Jackson National Asset Management, LLC ("JNAM"). The JNL Funds (as defined below) are not sponsored, endorsed, sold or promoted by Morningstar, or any of its affiliated companies (all such entities, collectively, ''Morningstar Entities") or the Loan Syndications and Trading Association ("LSTA"). The Morningstar Entities and LSTA make no representation or warranty, express or implied, to the owners of the JNL Funds or any member of the public regarding the advisability of investing in securities generally or in the JNL Funds in particular or the ability of the Morningstar Indices to track general stock market performance. The Morningstar Entities' only relationship to JNAM is the licensing of: (i) certain service marks and service names of Morningstar and LSTA; and (ii) of the Morningstar Indices which is determined, composed and calculated by the Morningstar Entities without regard to JNAM or the JNL Funds. The Morningstar Entities have no obligation to take the needs of JNAM or the owners of the JNL Funds into consideration in determining, composing or calculating the Morningstar Indices. The Morningstar Entities and LSTA are not responsible for and have not participated in the determination of the prices and amount of the JNL Funds or the timing of the issuance or sale of the JNL Funds or in the determination or calculation of the equation by which the JNL Funds are converted into cash. The Morningstar Entities and LSTA have no obligation or liability in connection with the administration, marketing or trading of the JNL Funds.

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> Aggressive Target Risk Index<sup>SM</sup> | JNL Aggressive Growth Allocation Fund |
| Morningstar<sup>®</sup> Conservative Target Risk Index<sup>SM</sup> | JNL Conservative Allocation Fund |
| Morningstar<sup>®</sup> Developed Markets ex-North America Target Market Exposure Index<sup>SM</sup> | JNL/Causeway International Value Select Fund<br>JNL International Index Fund |
| Morningstar<sup>®</sup> Developed Markets ex-North America Value Target Market Exposure Index<sup>SM</sup> | JNL/Causeway International Value Select Fund |
| Morningstar<sup>®</sup> Developed Markets ex-US Target Market Exposure Index<sup>SM</sup> | JNL/DFA International Core Equity Fund |

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> Developed Markets Target Market Exposure Index<sup>SM</sup> | JNL/BlackRock Global Allocation Fund<br>JNL/Mellon World Index Fund |
| Morningstar<sup>®</sup> Dividend Composite Index<sup>SM</sup> | JNL/Franklin Templeton Income Fund<br>JNL/WMC Equity Income Fund |
| Morningstar<sup>®</sup> Emerging Markets Index<sup>SM</sup> | JNL Multi-Manager Emerging Markets Equity Fund |
| Morningstar<sup>®</sup> Emerging Markets Target Market Exposure Index<sup>SM</sup> | JNL Emerging Markets Index Fund<br>JNL/GQG Emerging Markets Equity Fund |
| Morningstar<sup>®</sup> Global ex-US Small Cap Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager International Small Cap Fund |
| Morningstar<sup>®</sup> Global ex-US Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager International Equity Fund<br>JNL Multi-Manager International Small Cap Fund<br>JNL/American Funds International FundJNL/WCM Focused International Equity Fund |
| Morningstar<sup>®</sup> Global Small Cap Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager Global Small Cap Fund |
| Morningstar<sup>®</sup> Global Target Market Exposure Index<sup>SM</sup> | JNL Aggressive Growth Allocation Fund<br>JNL Conservative Allocation Fund<br>JNL Growth Allocation Fund<br>JNL Growth ETF Allocation Fund<br>JNL Moderate Allocation Fund<br>JNL Moderate ETF Allocation Fund<br>JNL Moderate Growth Allocation Fund<br>JNL Moderate Growth ETF Allocation Fund<br>JNL Multi-Manager Global Small Cap Fund<br>JNL/American Funds Capital Income Builder Fund<br>JNL/American Funds Global Growth Fund<br>JNL/American Funds Growth Allocation Fund<br>JNL/American Funds Moderate Allocation Fund<br>JNL/American Funds Moderate Growth Allocation Fund<br>JNL/American Funds New World Fund<br>JNL/BlackRock Global Natural Resources Fund<br>JNL/First Sentier Global Infrastructure Fund<br>JNL/Loomis Sayles Global Growth Fund<br>JNL/Vanguard Growth ETF Allocation Fund<br>JNL/Vanguard Moderate ETF Allocation Fund<br>JNL/Vanguard Moderate Growth ETF Allocation Fund |
| Morningstar<sup>®</sup> LSTA US Leveraged Loan Index<sup>SM</sup> | JNL Multi-Manager Floating Rate Income Fund |
| Morningstar<sup>®</sup> Moderate Target Risk Index<sup>SM</sup> | JNL Moderate Growth Allocation Fund<br>JNL Moderate Growth ETF Allocation Fund<br>JNL/American Funds Moderate Growth Allocation Fund<br>JNL/Vanguard Moderate Growth ETF Allocation Fund |
| Morningstar<sup>®</sup> Moderately Aggressive Target Risk Index<sup>SM</sup> | JNL Growth Allocation Fund<br>JNL Growth ETF Allocation Fund<br>JNL/American Funds Growth Allocation Fund<br>JNL/Vanguard Growth ETF Allocation Fund |
| Morningstar<sup>®</sup> Moderately Conservative Target Risk Index<sup>SM</sup> | JNL Moderate Allocation Fund<br>JNL Moderate ETF Allocation Fund<br>JNL/American Funds Moderate Allocation Fund<br>JNL/Vanguard Moderate ETF Allocation Fund |
| Morningstar<sup>®</sup> US Basic Materials Index<sup>SM</sup> | JNL/Mellon Materials Sector Fund |
| Morningstar<sup>®</sup> US Communication Services Index<sup>SM</sup> | JNL/Mellon Communication Services Sector Fund |
| Morningstar<sup>®</sup> US Consumer Cyclical Index<sup>SM</sup> | JNL/Mellon Consumer Discretionary Sector Fund |
| Morningstar<sup>®</sup> US Consumer Defensive Index<sup>SM</sup> | JNL/Mellon Consumer Staples Sector Fund |
| Morningstar<sup>®</sup> US Energy Index<sup>SM</sup> | JNL/Mellon Energy Sector Fund |
| Morningstar<sup>®</sup> US Financial Services Index<sup>SM</sup> | JNL/Mellon Financial Sector Fund |

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> US Healthcare Index<sup>SM</sup> | JNL/Mellon Healthcare Sector Fund |
| Morningstar<sup>®</sup> US Industrials Index<sup>SM</sup> | JNL/Mellon Industrials Sector Fund |
| Morningstar<sup>®</sup> US Large-Mid Cap Index<sup>SM</sup> | JNL/Morningstar U.S. Sustainability Index Fund |
| Morningstar<sup>®</sup> US Large-Mid Cap Broad Growth Index<sup>SM</sup> | JNL/BlackRock Large Cap Select Growth Fund<br>JNL/Fidelity Institutional AM<sup>®</sup> & JPMorgan Large Cap Growth Fund<br>JNL/T. Rowe Price Growth Stock Fund |
| Morningstar<sup>®</sup> US Large-Mid Cap Broad Value Index<sup>SM</sup> | JNL/JPMorgan U.S. Value Fund<br>JNL/MFS Equity Income Fund<br>JNL/Newton Equity Income Fund<br>JNL/T. Rowe Price Value Fund<br>JNL/WMC Value Fund |
| Morningstar<sup>®</sup> US Market Extended Index<sup>SM</sup> | JNL Mid Cap Index <br>JNL Multi-Manager Mid Cap Fund<br>JNL Multi-Manager Small Cap Growth Fund<br>JNL Multi-Manager Small Cap Value Fund<br>JNL Small Cap Index <br>JNL/DFA U.S. Core Equity Fund<br>JNL/DFA U.S. Small Cap Fund<br>JNL/Invesco Small Cap Growth Fund<br>JNL/JPMorgan MidCap Growth Fund<br>JNL/Mellon Communication Services Sector Fund<br>JNL/Mellon Consumer Discretionary Sector Fund<br>JNL/Mellon Consumer Staples Sector Fund<br>JNL/Mellon Energy Sector Fund<br>JNL/Mellon Financial Sector Fund<br>JNL/Mellon Healthcare Sector Fund<br>JNL/Mellon Industrials Sector Fund<br>JNL/Mellon Information Technology Sector Fund<br>JNL/Mellon Materials Sector Fund<br>JNL/Mellon Real Estate Sector Fund<br>JNL/Mellon Utilities Sector Fund<br>JNL/MFS Mid Cap Value Fund<br>JNL/Morningstar SMID Moat Focus Index Fund<br>JNL/RAFI<sup>®</sup> Fundamental U.S. Small Cap<br>JNL/RAFI<sup>®</sup> Multi-Factor U.S. Equity <br>JNL/T. Rowe Price Mid-Cap Growth Fund |
| Morningstar<sup>®</sup> US Mid Cap Broad Growth Index<sup>SM</sup> | JNL/JPMorgan MidCap Growth Fund<br>JNL/T. Rowe Price Mid-Cap Growth Fund |
| Morningstar<sup>®</sup> US Mid Cap Broad Value Index<sup>SM</sup> | JNL/MFS Mid Cap Value Fund |
| Morningstar<sup>®</sup> US Mid Cap Index<sup>SM</sup> | JNL Multi-Manager Mid Cap Fund |
| Morningstar<sup>®</sup> US Real Estate Index<sup>SM</sup> | JNL/Mellon Real Estate Sector Fund |
| Morningstar<sup>®</sup> US REIT Index<sup>SM</sup> | JNL/Cohen & Steers U.S. Realty Fund |
| Morningstar<sup>®</sup> US Small Cap Broad Growth Extended Index<sup>SM</sup> | JNL Multi-Manager Small Cap Growth Fund<br>JNL/Invesco Small Cap Growth Fund |
| Morningstar<sup>®</sup> US Small Cap Broad Value Extended Index<sup>SM</sup> | JNL Multi-Manager Small Cap Value Fund |
| Morningstar<sup>®</sup> US Small Cap Extended Index<sup>SM</sup> | JNL/DFA U.S. Small Cap Fund<br>JNL/RAFI<sup>®</sup> Fundamental U.S. Small Cap Fund |
| Morningstar<sup>®</sup> US Small-Mid Cap Index<sup>SM</sup> | JNL/Morningstar SMID Moat Focus Index Fund |
| Morningstar<sup>®</sup> US Small-Mid Cap Moat Focus Index<sup>SM</sup> | JNL/Morningstar SMID Moat Focus Index Fund |
| Morningstar<sup>®</sup> US Sustainability Index<sup>SM</sup> | JNL/Morningstar U.S. Sustainability Index Fund |
| Morningstar<sup>®</sup> US Technology Index<sup>SM</sup> | JNL/Mellon Information Technology Sector Fund |

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> US Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager Select Equity Fund<br>JNL/BlackRock Large Cap Select Growth Fund<br>JNL/Cohen & Steers U.S. Realty Fund<br>JNL/Fidelity Institutional AM<sup>®</sup> & JPMorgan Large Cap Growth Fund<br>JNL/JPMorgan Nasdaq<sup>®</sup> Hedged Equity Fund<br>JNL/JPMorgan U.S. Value Fund<br>JNL/Morningstar U.S. Sustainability Index Fund<br>JNL/T. Rowe Price Value Fund<br>JNL/WMC Equity Income Fund<br>JNL/WMC Value Fund |
| Morningstar<sup>®</sup> US Utilities Index<sup>SM</sup> | JNL/Mellon Utilities Sector Fund |
| Morningstar<sup>®</sup> Wide Moat Focus Index<sup>SM</sup> | JNL/Morningstar Wide Moat Index Fund |

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THE MORNINGSTAR ENTITIES AND LSTA DO NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE MORNINGSTAR INDICES OR ANY DATA INCLUDED THEREIN AND SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. THE MORNINGSTAR ENTITIES AND LSTA MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY JNAM, OWNERS OR USERS OF THE JNL FUNDS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE MORNINGSTAR INDICES OR ANY DATA INCLUDED THEREIN. THE MORNINGSTAR ENTITIES AND LSTA MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE MORNINGSTAR INDICES OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE MORNINGSTAR ENTITIES OR LSTA HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

The JNL/RAFI <sup>®</sup> Fundamental U.S. Small Cap Fund and JNL/RAFI <sup>®</sup> Multi-Factor U.S. Equity Fund (the "JNL/RAFI Funds") are not sponsored, offered, or sold in any manner by RAFI Indices, LLC or any of its affiliates, licensors or contractors (the "RAFI Parties") nor do any of the RAFI Parties offer to any person purchasing a product that uses or incorporates a product based on an Index any express or implicit guarantee, warranty or assurance either with regard to the results of using the RAFI Multi-Factor <sup>®</sup> US Index and RAFI <sup>®</sup> Fundamental US Small Company Index (each an "Index") or the Index Price at any time or in any other respect. Each Index is calculated and published by the RAFI Parties. The RAFI Parties use commercially reasonable efforts to ensure that the Index is calculated correctly. None of the RAFI Parties shall be liable to any person purchasing a product that uses or incorporates a product based on the Index for any error, omission, inaccuracy, incompleteness, delay, or interruption in the Index or any data related thereto or have any obligation to point out errors in the Index to any person. Neither publication of each Index by the RAFI Parties nor the licensing of the Index or Index trademark for the purpose of use in connection with the JNL/RAFI Funds constitutes a recommendation by any of the RAFI Parties to invest in nor does it in any way represent an assurance, endorsement or opinion of any of the RAFI Parties with regard to any investment in the JNL/RAFI Funds. The trade names Fundamental Index <sup>®</sup> and RAFI <sup>®</sup> are registered trademarks of Research Affiliates, LLC in the US and other countries. "Bloomberg <sup>®</sup> " and the Bloomberg Indices (as defined below) are service marks of Bloomberg Finance L.P. and its affiliates, including Bloomberg Index Services Limited ("BISL"), the administrator of the index (collectively, "Bloomberg"), and have been licensed for use for certain purposes by Jackson National Asset Management, LLC ("JNAM"). The JNL Funds (as defined below) are not sponsored, endorsed, sold or promoted by Bloomberg. Bloomberg does not make any representation or warranty, express or implied, to the owners of or counterparties to the JNL Funds or any member of the public regarding the advisability of investing in securities generally or in the JNL Funds particularly. The only relationship of Bloomberg to JNAM is the licensing of certain trademarks, trade names and service marks and of the Bloomberg Indices, which is determined, composed and calculated by BISL without regard to JNAM or the JNL Funds. Bloomberg has no obligation to take the needs of JNAM or the owners of the JNL Funds into consideration in determining, composing or calculating the Bloomberg Indices. Bloomberg is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of the JNL Funds to be issued. Bloomberg shall not have any obligation or liability, including, without limitation, to JNL Funds customers, in connection with the administration, marketing or trading of the JNL Funds.

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| | |
|:---|:---|
| Index (collectively, the "Bloomberg Indices") | Fund (collectively, the "JNL Funds") |
| Bloomberg 1-3 Yr Gov/Credit Index | JNL/T. Rowe Price Short-Term Bond Fund |
| Bloomberg EM USD Aggregate Index | JNL/DoubleLine<sup>®</sup> Emerging Markets Fixed Income Fund |
| Bloomberg Global Aggregate Index | JNL/DoubleLine<sup>®</sup> Emerging Markets Fixed Income Fund |

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| | |
|:---|:---|
| Index (collectively, the "Bloomberg Indices") | Fund (collectively, the "JNL Funds") |
| Bloomberg U.S. High Yield - 2% Issuer Cap Index | JNL/PPM America High Yield Bond Fund |
| Bloomberg U.S. Aggregate Index | JNL Aggressive Growth Allocation Fund<br>JNL Bond Index Fund<br>JNL Conservative Allocation Fund<br>JNL Growth Allocation Fund<br>JNL Growth ETF Allocation Fund<br>JNL Moderate Allocation Fund<br>JNL Moderate ETF Allocation Fund<br>JNL Moderate Growth Allocation Fund<br>JNL Moderate Growth ETF Allocation Fund<br>JNL Multi-Manager Alternative Fund<br>JNL Multi-Manager Floating Rate Income Fund<br>JNL/American Funds Balanced Fund<br>JNL/American Funds Bond Fund of America Fund<br>JNL/American Funds Capital Income Builder Fund<br>JNL/American Funds Growth Allocation Fund<br>JNL/American Funds Moderate Allocation Fund<br>JNL/American Funds Moderate Growth Allocation Fund<br>JNL/DoubleLine<sup>®</sup> Core Fixed Income Fund<br>JNL/DoubleLine<sup>®</sup> Total Return Fund<br>JNL/Dreyfus Government Money Market Fund<br>JNL/Fidelity Institutional AM<sup>®</sup> Total Bond Fund<br>JNL/Franklin Templeton Income Fund<br>JNL/JPMorgan U.S. Government & Quality Bond Fund<br>JNL/Lord Abbett Short Duration Income Fund<br>JNL/Neuberger Berman Strategic Income Fund<br>JNL/PIMCO Income Fund<br>JNL/PIMCO Real Return Fund<br>JNL/PPM America High Yield Bond Fund<br>JNL/PPM America Investment Grade Credit Fund<br>JNL/PPM America Total Return Fund<br>JNL/T. Rowe Price Capital Appreciation Fund<br>JNL/T. Rowe Price Short-Term Bond Fund<br>JNL/Vanguard Growth ETF Allocation Fund<br>JNL/Vanguard Moderate ETF Allocation Fund<br>JNL/Vanguard Moderate Growth ETF Allocation Fund<br>JNL/Westchester Capital Event Driven Fund<br>JNL/WMC Balanced Fund |
| Bloomberg U.S. Credit Index | JNL/PIMCO Investment Grade Credit Bond Fund<br>JNL/PPM America Investment Grade Credit Fund |
| Bloomberg U.S. Government Index | JNL/JPMorgan U.S. Government & Quality Bond Fund |
| Bloomberg U.S. Treasury: U.S. TIPS Index | JNL/PIMCO Real Return Fund |
| Bloomberg USD 1 Month Cash Deposit Index | JNL/Dreyfus Government Money Market Fund |

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BLOOMBERG DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE BLOOMBERG INDICES OR ANY DATA RELATED THERETO AND SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS OR INTERRUPTIONS THEREIN. BLOOMBERG DOES NOT MAKE ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY JNAM, OWNERS OF THE JNL FUNDS OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE BLOOMBERG INDICES OR ANY DATA RELATED THERETO. BLOOMBERG DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE BLOOMBERG INDICES OR ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, TO THE MAXIMUM EXTENT ALLOWED BY LAW, BLOOMBERG, ITS LICENSORS, AND ITS AND THEIR RESPECTIVE EMPLOYEES, CONTRACTORS, AGENTS, SUPPLIERS, AND VENDORS SHALL HAVE NO LIABILITY OR RESPONSIBILITY WHATSOEVER FOR ANY INJURY OR DAMAGES-WHETHER DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, PUNITIVE OR OTHERWISE-ARISING IN CONNECTION WITH THE JNL FUNDS OR BLOOMBERG INDICES OR ANY DATA OR VALUES RELATING THERETO-WHETHER ARISING FROM THEIR NEGLIGENCE OR OTHERWISE, EVEN IF NOTIFIED OF THE POSSIBILITY THEREOF.

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Barclays Capital Inc. and its affiliates ("Barclays") is not the issuer or producer of JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund and Barclays has no responsibilities, obligations or duties to investors in JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund. The Shiller Barclays CAPE™ US Sector II ER USD Index is a trademark owned by Barclays Bank PLC and licensed for use by JNL Series Trust ("JNLST") as the Issuer of JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund. Barclays only relationship with the Issuer in respect of Shiller Barclays CAPE™ US Sector II ER USD Index is the licensing of the Shiller Barclays CAPE™ US Sector II ER USD Index which is determined, composed and calculated by Barclays without regard to the Issuer or the JNL/DoubleLine® Shiller Enhanced CAPE<sup>®</sup> Fund or the owners of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund. Additionally, JNLST or JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund may for itself execute transaction(s) with Barclays in or relating to the Shiller Barclays CAPE™ US Sector II ER USD Index in connection with JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund investors acquire JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund from JNLST and investors neither acquire any interest in Shiller Barclays CAPE™ US Sector II ER USD Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund. The JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund is not sponsored, endorsed, sold or promoted by Barclays. Barclays does not make any representation or warranty, express or implied regarding the advisability of investing in the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund or the advisability of investing in securities generally or the ability of the Shiller Barclays CAPE™ US Sector II ER USD Index to track corresponding or relative market performance. Barclays has not passed on the legality or suitability of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund with respect to any person or entity. Barclays is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund to be issued. Barclays has no obligation to take the needs of the Issuer or the owners of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund or any other third party into consideration in determining, composing or calculating the Shiller Barclays CAPE™ US Sector II ER USD Index Barclays has no obligation or liability in connection with administration, marketing or trading of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund.

The licensing agreement between JNLST and Barclays is solely for the benefit of JNLST and Barclays and not for the benefit of the owners of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund, investors or other third parties.

BARCLAYS SHALL HAVE NO LIABILITY TO THE ISSUER, INVESTORS OR TO OTHER THIRD PARTIES FOR THE QUALITY, ACCURACY AND/OR COMPLETENESS OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX OR ANY DATA INCLUDED THEREIN OR FOR INTERRUPTIONS IN THE DELIVERY OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX. BARCLAYS MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY THE ISSUER, THE INVESTORS OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX OR ANY DATA INCLUDED THEREIN. BARCLAYS MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX OR ANY DATA INCLUDED THEREIN. BARCLAYS RESERVES THE RIGHT TO CHANGE THE METHODS OF CALCULATION OR PUBLICATION, OR TO CEASE THE CALCULATION OR PUBLICATION OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX, AND BARCLAYS SHALL NOT BE LIABLE FOR ANY MISCALCULATION OF OR ANY INCORRECT, DELAYED OR INTERRUPTED PUBLICATION WITH RESPECT TO ANY OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX BARCLAYS SHALL NOT BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY LOST PROFITS AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH, RESULTING FROM THE USE OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX OR ANY DATA INCLUDED THEREIN OR WITH RESPECT TO THE JNL/DOUBLELINE<sup>®</sup> SHILLER ENHANCED CAPE<sup>®</sup> FUND.

None of the information supplied by Barclays Bank PLC and used in this publication may be reproduced in any manner without the prior written permission of Barclays Capital, the investment banking division of Barclays Bank PLC. Barclays Bank PLC is registered in England No. 1026167. Registered office 1 Churchill Place London E l 4 5HP.

Wilshire <sup>®</sup> is a registered trademark owned by Wilshire Advisors LLC ("Wilshire") and used under license and the Wilshire Indexes <sup>SM</sup> indexes, Wilshire Liquid Alternative Index <sup>SM</sup> , and Wilshire Liquid Alternative Event Driven Index <sup>SM</sup> are service marks owned or licensed by Wilshire OpCo UK Limited and have been licensed by Wilshire Benchmarks US LLC for use by Jackson National Asset Management, LLC. Wilshire OpCo UK Limited and Wilshire Benchmarks US LLC are referred to as "Wilshire Indexes". All copyrightable subject matter in a Wilshire Indexes' index and Wilshire Indexes' data is© 2026 Wilshire Indexes, all rights reserved. The JNL Multi-Manager Alternative Fund and JNL/Westchester Capital Event Driven Fund (together, the "JNL Funds") are not sponsored, endorsed, sold or promoted by Wilshire Indexes and Wilshire Indexes makes no representations, warranties or other commitments with respect to the JNL Funds. Wilshire Indexes does not accept any liability to any person for any loss or damage arising out of any error or omission in the Wilshire Indexes' indexes or Wilshire Indexes' data.

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**APPENDIX C**

**SELLING FIRM SUPPORT**

Below is a complete list of Selling Firms that received marketing and distribution and/or administrative support in 2025 from the Distributor and/or Jackson of NY or our affiliates in relation to the sale of Jackson and Jackson of NY variable insurance products.

Advisor Circle Incorporated

Aegis Capital Corp.

Allegiance Capital

American Funds

Ameriprise

Ameritas Investment Corp.

APW Capital, Inc.

Aria (Retire One)

Arkadios Capital

Arlington Securities, Inc.

Ausdal Financial Partners Inc.

Avantax (formerly H.D. Vest Investment Securities, Inc.)

B Riley Wealth Management

BCG Securities, Inc.

Beacon Pointe Advisors

Benjamin Edwards

Berthel Fisher & Co.

BISA

Bonsai

Brookstone Capital Management, LLC

Cabot Lodge

Cadaret Grant & Company

Calton & Associates, Inc.

Cambridge Investment

Cape Securities, Inc.

Capital Investment Companies

Capital Investment Group, INC

Carson Pacific

Carey Street Partners LLC

Centaurus Financial

Cetera Advisor Networks, LLC

Cetera Advisors, LLC

Cetera Financial Specialists

Cetera Investment Services, LLC

CFD Investments, Inc.

Chase Wealth Management

CitiGroup Global Markets, Inc.

Commonwealth Financial Network

Concorde Investment Services

Concourse Financial

Concurrent Investment Advisors, LLC

Coordinated Capital Securities, Inc.

Cornerstone Capital Management Co.

Country Financial

Cramer

CreativeOne Securities LLC

CUSO Financial Services, Inc. & L.P.

D. A. Davidson & Company

DAI Securities, LLC

Davenport & Company

Dempsey Lord Smith, LLC

DFPG Investments

DPL (The Leader's Group)

Emerson Equities

Equitable Network (formerly AXA)

Equity Services

FIDx

FIG

Financial & Estate Planning Council

Financial Planning Associates

Financial Services Institute

First Citizen Investor

First Heartland Capital, Inc.

First Horizon (formerly FTB Advisors)

Flourish

Focus Financial PArtners LLC

Fortune Financial Services

Founders Financial Securities

FPA

Frost Brokerage Services, Inc.

G. W. Sherwold Associates, Inc.

Geneos Wealth Management, Inc.

Gradient Radient Securities, LLC

Gradient Securities

Grove Point, LLC (formerly H Beck, Inc.)

GWN Securities, Inc.

Halo

Harbour Investment

Hazard & Siegel, Inc.

Hightower Advisors, LLC

Hightower Securities, LLC

Hornor Townsend & Kent, Inc.

IFP Securities, LLC

Independent Financial Group

Innovation Partners, LLC

Institutional Capital Network, Inc.

Integrity Alliance, LLC

International Assets Advisory

Investment Planners Inc.

J W Cole Financial, Inc.

J.P. Morgan Securities LLC

Janney, Montgomery Scott, LLC

JP Morgan Advisors

Kestra Financial Services (formerly NFP Securities, Inc.)

Key Investment Services

Kovack Securities, Inc.

LaSalle St. Securities, LLC

Lifemark Securities

Lincoln Investment Planning

Lion Street

Lion Street Financial, LLC

LL Global, Inc.

LPL Financial Corporation

M & T

M Holdings Securities, Inc.

Madison Ave Securities, Inc.

Merrill Lynch

Mid Atlantic Capital Group, Inc.

Midwest Professional Planners, LTD.

MML Investors Services/ MSI Financial Services

Modern Capital Securities, Inc.

Moloney Securities Co., Inc.

Momentum Independent Network, Inc.

Money Concepts Capital Corp.

Morgan Stanley Smith Barney, LLC

Mutual Group

MWA Financial Services Inc.

NAIFA

Nationwide Planning Associates

Navy Federal Financial Group, LLC

NewEdge Advisors, LLC

Next Financial Group

Northland Securities

OneAmerica Securities, Inc.

Onyx Bridge Wealth Group LLC

Oppenheimer & Co.. Inc.

Osaic (formerly Advisor Group)

Pacific Northwest Financial Advisors, Inc.

Packerland Brokerage Services

Park Avenue Securities

Parkland Securities, LLC

Peak Brokerage Services

Peak Reps

Pensionmark Securities, LLC

Pinnacle Group

PlanMember Securities Corp.

PNC Investments, LLC

Private Client Services, LLC

Producer's Choice

Prospera Financial Services, Inc.

Pruco Securities

Prudential Insurance Company

Purshe Kaplan Sterling

PWA Securities, LLC

Raymond James & Associates, Inc.

RBC Capital Markets Corporation

Rembrandt Financial Group LLC

RFG Advisory, LLC

Robert W Baird & Co., Inc.

Rockefeller Financial

Rogan and Associates

Saltzman

San Blas Securities, LLC

Santander Securities, LLC

SCF Securities

Schwab/TD Ameritrade

Sigma Financial Corporation

Signal Securities, Inc.

Silver Oak Securities

Snowden Account Services, Inc.

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Sorrento Pacific Financial

Spire Securities

State Farm

Steward Partners Investment Solutions, LLC

Stifel Nicolaus & Co., Inc.

StoneX Securities Inc.

Summit Global Investments LLC

Supreme Alliance LLC

Tandem Securities, Inc.

The Advisors Development Network LLC

The Huntington Investment Company

The National Association of Personal Financial Advisors

The O.N. Equity Sales Company

Thrasher & Company, Inc.

Thrivent

Top Producer International, LLC

Transamerica Financial Services, Inc.

Trek Financial, LLC

Trinity Wealth Securities, LLC

Truist Investment Services, Inc.

UBS Financial Services, Inc.

UnionBanc Investment Services, LLC

United Planners Financial

US Bancorp Investments, Inc.

USA Financial Securities Corp.

ValMark Securities, Inc.

Vanderbilt Securities

Verity Investments, Inc.

VestGen Wealth Partners, LLC

Voya Financial Advisors

Wealth Enhancement Brokerage Services, LLC

Wealthplan Investment Management

Wells Fargo Advisors / Investments

Western International Securities

Westminster Financial

Wintrust Investments, LLC

World Equity Group

World Investments, Inc.

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**APPENDIX D**

**GMDB PROSPECTUS EXAMPLES**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**I.RETURN OF PREMIUM MINIMUM GUARANTEED DEATH BENEFIT**

Unless otherwise specified, the following examples apply to and assume you elected Return of Premium Guaranteed Minimum Death Benefit (referred to below as a GMDB) when you purchased your Contract, no other add-on benefits were elected, your initial Premium payment net of any applicable taxes was $100,000, and all partial withdrawals requested include any applicable charges. The death benefit payable under the Contract will be equal to the larger of your current Contract Value or GMDB Benefit Base.

**Example 1: This example demonstrates how GMDB values are set at election.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your GMDB Benefit Base is $100,000, which is your initial Premium.

**Example 2: This example demonstrates how upon payment of subsequent Premium, GMDB values may be redetermined.**

This example demonstrates what happens if you make an additional Premium payment, net of applicable taxes, of $10,000 and your GMDB Benefit Base is $200,000 at the time of payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Your GMDB Benefit Base is $210,000, which is your GMDB Benefit Base prior to the additional Premium payment plus your additional Premium payment ($200,000 + $10,000).

**Example 3: This example demonstrates how GMDB values are re-determined upon withdrawal of an amount from the Contract.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 3a: This example demonstrates what happens if you withdraw an amount of $15,000 when your Contract Value is $150,000 and your GMDB Benefit Base is $160,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new GMDB Benefit Base is $144,000, which is a reduction of 10%, the same proportion that the Contract Value is reduced for the withdrawal ($15,000 / $150,000 = 10%), from your GMDB Benefit Base prior to the withdrawal ($160,000 \* (1-10%) = $144,000).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 3b: This example demonstrates what happens if you withdraw an amount of $15,000 when your Contract Value is $150,000 and your GMDB Benefit Base is $100,000.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;◦ Your new GMDB Benefit Base is $90,000, which is a reduction of 10%, the same proportion that the Contract Value is reduced for the withdrawal ($15,000 / $150,000 = 10%), from your GMDB Benefit Base prior to the withdrawal ($100,000 \* (1-10%) = $90,000).

Notes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The GMDB Benefit Base is reduced proportionately for withdrawals, so in certain circumstances your death benefit may be reduced by more than the dollar amount of the withdrawal.

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**APPENDIX E**

**HISTORICAL ADD-ON BENEFIT CHARGES**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**I.&nbsp;&nbsp;&nbsp;&nbsp;Return of Premium GMDB**

No historical charges are available at this time for the Return of Premium GMDB.

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| | |
|:---|:---|
| ***Mailing Address and Contact Information*** | ***Mailing Address and Contact Information*** |
| **Jackson of NY Customer Care Center** | **Jackson of NY Customer Care Center** |
| ***Regular Mail:*** | P.O. Box 24068, Lansing, Michigan 48909-4068 |
| ***Overnight Mail:*** | 1 Corporate Way, Lansing, Michigan 48951 |
| ***Customer Care:*** | 1-800-599-5651<br>8:00 a.m. to 7:00 p.m. ET (M-F) |
| ***Fax:*** | 1-800-701-0125 |
| ***Email:*** | customercare@jackson.com |

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**WHERE TO FIND ADDITIONAL INFORMATION**

The Statement of Additional Information (SAI) dated April 27, 2026 contains more information about the Contracts and the Separate Account, and can be found online at <u>https://www.jackson.com/product-literature-3.html</u> . The SAI has been filed with the SEC and is incorporated by reference into this prospectus. For a free paper copy of the SAI, to request other information about the Contracts, and to make investor inquiries call us at 1-800-599-5651 or write to us at:

Jackson of NY Customer Care Center

P.O. Box 24068

Lansing, Michigan 48909-4068

Reports and other information about the Separate Account are available on the SEC's website at <u>https://www.sec.gov</u>, and copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

Separate Account EDGAR contract identifier #C000226534

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**STATEMENT OF ADDITIONAL INFORMATION**

**April 27, 2026**

**JACKSON RETIREMENT INVESTMENT ANNUITY**<sup>®</sup>

**FLEXIBLE PREMIUM VARIABLE AND FIXED DEFERRED ANNUITY**

**Issued by**

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

**JNLNY Separate Account I**

This Statement of Additional Information (SAI) is not a prospectus. It contains information in addition to and more detailed than that set forth in the Prospectus and should be read in conjunction with the Prospectus dated April 27, 2026. The Prospectus may be obtained from Jackson National Life Insurance Company of New York (Jackson of NY <sup>®</sup>) by writing P.O. Box 24068, Lansing, Michigan 48909-4068, or calling 1-800-599-5651.

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| | |
|:---|:---|
| **TABLE OF CONTENTS** | **TABLE OF CONTENTS** |
| | **Page** |
| General Information and History | [2](#i59057ca0695e413586904517c4ee4695_4) |
| Services | [9](#i59057ca0695e413586904517c4ee4695_7) |
| Purchase of Securities Being Offered | [10](#i59057ca0695e413586904517c4ee4695_10) |
| Contract Adjustments | [10](#i59057ca0695e413586904517c4ee4695_425) |
| Underwriters | [11](#i59057ca0695e413586904517c4ee4695_13) |
| Calculation of Performance | [11](#i59057ca0695e413586904517c4ee4695_16) |
| Additional Tax Information | [13](#i59057ca0695e413586904517c4ee4695_19) |
| Annuity Provisions | [20](#i59057ca0695e413586904517c4ee4695_22) |
| Net Investment Factor | [21](#i59057ca0695e413586904517c4ee4695_25) |
| Appendix A: Financial Statements | A-[1](#i59057ca0695e413586904517c4ee4695_28) |

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**General Information and History**

*Jackson of NY*

We are a stock life insurance company organized under the laws of the state of New York in July 1995. Our legal domicile and principal business address is 2900 Westchester Avenue, Purchase, New York 10577. We are admitted to conduct life insurance and annuity business in the states of Delaware, New York and Michigan. Jackson of NY is a wholly owned subsidiary of Jackson Financial Inc. ("JFI"). Prudential plc and Athene Life Re Ltd each hold a minority economic interest in JFI. Prudential plc has no relation to Newark, New Jersey-based Prudential Financial Inc. JFI is also the ultimate parent of PPM America, Inc., a sub-adviser for certain of the Funds, and Jackson National Asset Management, LLC ("JNAM"), the Funds' investment adviser and administrator. JNAM provides certain administrative services with respect to the Separate Account, including separate account administration services and financial and accounting services. JNAM is located at 225 West Wacker Drive, Chicago, Illinois 60606.

We issue and administer the Contracts and the Separate Account. We maintain records of the name, address, taxpayer identification number and other pertinent information for each Owner, the number and type of Contracts issued to each Owner and records with respect to the value of each Contract.

*The Separate Account*

We established the Separate Account on September 12, 1997, pursuant to the provisions of New York law. The Separate Account is a separate account under state insurance law and a unit investment trust under federal securities law and is registered as an investment company with the SEC.

We have claimed an exclusion from the definition of the term "Commodity Pool Operator" under the Commodity Exchange Act (CEA) with respect to the Separate Account. Therefore, we are not subject to registration or regulation as a Commodity Pool Operator under the CEA with respect to the Separate Account.

JNLNY Separate Account I (Separate Account) is a separate investment account of Jackson of NY. In September 1997, the company changed its name from First Jackson National Life Insurance Company to its present name. Jackson of NY is a wholly owned subsidiary of Jackson Financial Inc., a publicly traded life insurance company in the United States.

*Trademarks, Service Marks, and Related Disclosures*

"JNL<sup>®</sup>," "Jackson National<sup>®</sup>," "Jackson<sup>®</sup>," "Jackson of NY<sup>®</sup>" and "Jackson National Life Insurance Company of New York<sup>®</sup>" are trademarks of Jackson National Life Insurance Company<sup>®</sup>.

Goldman Sachs is a registered service mark of Goldman Sachs & Co. LLC

Fidelity Institutional Asset Management and Fidelity Institutional AM are registered service marks of FMR LLC. Used with permission.

The "S&P 500 <sup>®</sup> ," "S&P MidCap 400 <sup>®</sup> ,", and "S&P SmallCap 600 <sup>®</sup> ", (collectively, the "Indices") are products of S&P Dow Jones Indices LLC ("SPDJI"), and have been licensed for use by Jackson National Life Insurance Company and its affiliates (collectively, "Licensee"). S&P <sup>®</sup> and S&P 500 <sup>®</sup> , S&P 400 <sup>®</sup> , S&P MidCap 400 <sup>®</sup> , S&P 600 <sup>®</sup> , S&P SmallCap 600 <sup>®</sup> ,SPX <sup>®</sup> , SPY <sup>®</sup> , US 500™, The 500 <sup>®</sup> , iBoxx <sup>®</sup> , iTraxx <sup>®</sup> , and CDX <sup>®</sup> are trademarks of S&P Global, Inc. or its affiliates or licensors ("S&P"); Dow Jones <sup>®</sup> is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). It is not possible to invest directly in an index. The JNL S&P 500 Index Fund, JNL Mid Cap Index Fund, JNL Small Cap Index Fund (collectively, the "JNL Funds") are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively, "S&P Dow Jones Indices"). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the JNL Funds or any member of the public regarding the advisability of investing in securities generally or in the JNL Funds particularly or the ability of the Indices to track general market performance. Past performance of an index is not an indication or guarantee of future results. S&P Dow Jones Indices' only relationship to Licensee with respect to the Indices is the licensing of the Indices and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors.

The Indices are determined, composed and calculated by S&P Dow Jones Indices without regard to Licensee or the JNL Funds. S&P Dow Jones Indices has no obligation to take the needs of Licensee or the owners of the JNL Funds into consideration in determining, composing or calculating the Indices. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of the JNL Funds. There is no assurance that investment products based on the Indices will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment adviser, commodity trading

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advisor, commodity pool operator, broker dealer, fiduciary, promoter" (as defined in the Investment Company Act of 1940, as amended), "expert" as enumerated within 15 U.S.C. § 77k(a) or tax advisor. Inclusion of a security, commodity, crypto currency or other asset within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, commodity, crypto currency or other asset, nor is it considered to be investment advice or commodity trading advice. SPDJI provides indices that use environmental, social and/or governance (ESG) indicators (including, without limit, business involvement screens, conformance to voluntary corporate standards, GHG emissions data, and ESG scores) to select, weight and/or exclude constituents. ESG indicators seek to measure a company's, or an asset's performance, with respect to E, S and/or G criteria. ESG indicators are derived from publicly reported data, modelled data, or a combination of reported and modelled data. ESG indicators are based on a qualitative assessment due to the absence of well-defined uniform market standards and the use of multiple methodologies to assess ESG factors. No single clear, definitive test or framework (legal, regulatory, or otherwise) exists to determine labels such as, 'ESG', 'sustainable', 'good governance', 'no adverse environmental, social and/or other impacts', or other equivalently labelled objectives. Therefore, the exercise of subjective judgment is necessary. Different persons may classify the same investment, products and/or strategy differently regarding the foregoing labels.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDICES OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE JNL FUNDS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDICES OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. S&P DOW JONES INDICES HAS NOT REVIEWED, PREPARED AND/OR CERTIFIED ANY PORTION OF, NOR DOES S&P DOW JONES INDICES HAVE ANY CONTROL OVER, THE LICENSEE PRODUCT REGISTRATION STATEMENT, PROSPECTUS OR OTHER OFFERING MATERIALS. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND LICENSEE, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

The JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (Nasdaq, with its affiliates, are referred to as the "Corporations"). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund. The Corporations make no representation or warranty, express or implied to the owners of the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund or any member of the public regarding the advisability of investing in securities generally or in the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund particularly, or the ability of the Nasdaq-100 Index <sup>®</sup> to track general stock market performance. The Corporations' only relationship to Jackson National Life Insurance Company ("Licensee") is in the licensing of the Nasdaq <sup>®</sup> , and Nasdaq-100 Index <sup>®</sup> registered trademarks, and certain trade names of the Corporations and the use of the Nasdaq-100 Index <sup>®</sup> which is determined, composed and calculated by Nasdaq without regard to Licensee or the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund. Nasdaq has no obligation to take the needs of the Licensee or the owners of the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund into consideration in determining, composing or calculating the Nasdaq-100 Index <sup>®</sup> . The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund to be issued or in the determination or calculation of the equation by which the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund is to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of the JNL/JPMorgan Nasdaq <sup>®</sup> Hedged Equity Fund.

THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX<sup>®</sup> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY LICENSEE, OWNERS OF THE JNL/JPMORGAN NASDAQ<sup>®</sup> HEDGED EQUITY FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX<sup>®</sup> OR ANY DATA INCLUDED THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX<sup>®</sup> OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

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Morningstar<sup>®</sup> and the Morningstar Indices (as defined below) are trademarks or service marks of Morningstar, Inc. ("Morningstar") and have been licensed for use for certain purposes by Jackson National Asset Management, LLC ("JNAM"). The JNL Funds (as defined below) are not sponsored, endorsed, sold or promoted by Morningstar, or any of its affiliated companies (all such entities, collectively, ''Morningstar Entities") or the Loan Syndications and Trading Association ("LSTA"). The Morningstar Entities and LSTA make no representation or warranty, express or implied, to the owners of the JNL Funds or any member of the public regarding the advisability of investing in securities generally or in the JNL Funds in particular or the ability of the Morningstar Indices to track general stock market performance. The Morningstar Entities' only relationship to JNAM is the licensing of: (i) certain service marks and service names of Morningstar and LSTA; and (ii) of the Morningstar Indices which is determined, composed and calculated by the Morningstar Entities without regard to JNAM or the JNL Funds. The Morningstar Entities have no obligation to take the needs of JNAM or the owners of the JNL Funds into consideration in determining, composing or calculating the Morningstar Indices. The Morningstar Entities and LSTA are not responsible for and have not participated in the determination of the prices and amount of the JNL Funds or the timing of the issuance or sale of the JNL Funds or in the determination or calculation of the equation by which the JNL Funds are converted into cash. The Morningstar Entities and LSTA have no obligation or liability in connection with the administration, marketing or trading of the JNL Funds.

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> Aggressive Target Risk Index<sup>SM</sup> | JNL Aggressive Growth Allocation Fund |
| Morningstar<sup>®</sup> Conservative Target Risk Index<sup>SM</sup> | JNL Conservative Allocation Fund |
| Morningstar<sup>®</sup> Developed Markets ex-North America Target Market Exposure Index<sup>SM</sup> | JNL/Causeway International Value Select Fund<br>JNL International Index Fund |
| Morningstar<sup>®</sup> Developed Markets ex-North America Value Target Market Exposure Index<sup>SM</sup> | JNL/Causeway International Value Select Fund |
| Morningstar<sup>®</sup> Developed Markets ex-US Target Market Exposure Index<sup>SM</sup> | JNL/DFA International Core Equity Fund |
| Morningstar<sup>®</sup> Developed Markets Target Market Exposure Index<sup>SM</sup> | JNL/BlackRock Global Allocation Fund<br>JNL/Mellon World Index Fund |
| Morningstar<sup>®</sup> Dividend Composite Index<sup>SM</sup> | JNL/Franklin Templeton Income Fund<br>JNL/WMC Equity Income Fund |
| Morningstar<sup>®</sup> Emerging Markets Index<sup>SM</sup> | JNL Multi-Manager Emerging Markets Equity Fund |
| Morningstar<sup>®</sup> Emerging Markets Target Market Exposure Index<sup>SM</sup> | JNL Emerging Markets Index Fund<br>JNL/GQG Emerging Markets Equity Fund |
| Morningstar<sup>®</sup> Global ex-US Small Cap Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager International Small Cap Fund |
| Morningstar<sup>®</sup> Global ex-US Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager International Equity Fund<br>JNL Multi-Manager International Small Cap Fund<br>JNL/American Funds International FundJNL/WCM Focused International Equity Fund |
| Morningstar<sup>®</sup> Global Small Cap Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager Global Small Cap Fund |

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> Global Target Market Exposure Index<sup>SM</sup> | JNL Aggressive Growth Allocation Fund<br>JNL Conservative Allocation Fund<br>JNL Growth Allocation Fund<br>JNL Growth ETF Allocation Fund<br>JNL Moderate Allocation Fund<br>JNL Moderate ETF Allocation Fund<br>JNL Moderate Growth Allocation Fund<br>JNL Moderate Growth ETF Allocation Fund<br>JNL Multi-Manager Global Small Cap Fund<br>JNL/American Funds Capital Income Builder Fund<br>JNL/American Funds Global Growth Fund<br>JNL/American Funds Growth Allocation Fund<br>JNL/American Funds Moderate Allocation Fund<br>JNL/American Funds Moderate Growth Allocation Fund<br>JNL/American Funds New World Fund<br>JNL/BlackRock Global Natural Resources Fund<br>JNL/First Sentier Global Infrastructure Fund<br>JNL/Loomis Sayles Global Growth Fund<br>JNL/Vanguard Growth ETF Allocation Fund<br>JNL/Vanguard Moderate ETF Allocation Fund<br>JNL/Vanguard Moderate Growth ETF Allocation Fund |
| Morningstar<sup>®</sup> LSTA US Leveraged Loan Index<sup>SM</sup> | JNL Multi-Manager Floating Rate Income Fund |
| Morningstar<sup>®</sup> Moderate Target Risk Index<sup>SM</sup> | JNL Moderate Growth Allocation Fund<br>JNL Moderate Growth ETF Allocation Fund<br>JNL/American Funds Moderate Growth Allocation Fund<br>JNL/Vanguard Moderate Growth ETF Allocation Fund |
| Morningstar<sup>®</sup> Moderately Aggressive Target Risk Index<sup>SM</sup> | JNL Growth Allocation Fund<br>JNL Growth ETF Allocation Fund<br>JNL/American Funds Growth Allocation Fund<br>JNL/Vanguard Growth ETF Allocation Fund |
| Morningstar<sup>®</sup> Moderately Conservative Target Risk Index<sup>SM</sup> | JNL Moderate Allocation Fund<br>JNL Moderate ETF Allocation Fund<br>JNL/American Funds Moderate Allocation Fund<br>JNL/Vanguard Moderate ETF Allocation Fund |
| Morningstar<sup>®</sup> US Basic Materials Index<sup>SM</sup> | JNL/Mellon Materials Sector Fund |
| Morningstar<sup>®</sup> US Communication Services Index<sup>SM</sup> | JNL/Mellon Communication Services Sector Fund |
| Morningstar<sup>®</sup> US Consumer Cyclical Index<sup>SM</sup> | JNL/Mellon Consumer Discretionary Sector Fund |
| Morningstar<sup>®</sup> US Consumer Defensive Index<sup>SM</sup> | JNL/Mellon Consumer Staples Sector Fund |
| Morningstar<sup>®</sup> US Energy Index<sup>SM</sup> | JNL/Mellon Energy Sector Fund |
| Morningstar<sup>®</sup> US Financial Services Index<sup>SM</sup> | JNL/Mellon Financial Sector Fund |
| Morningstar<sup>®</sup> US Healthcare Index<sup>SM</sup> | JNL/Mellon Healthcare Sector Fund |
| Morningstar<sup>®</sup> US Industrials Index<sup>SM</sup> | JNL/Mellon Industrials Sector Fund |
| Morningstar<sup>®</sup> US Large-Mid Cap Index<sup>SM</sup> | JNL/Morningstar U.S. Sustainability Index Fund |
| Morningstar<sup>®</sup> US Large-Mid Cap Broad Growth Index<sup>SM</sup> | JNL/BlackRock Large Cap Select Growth Fund<br>JNL/Fidelity Institutional AM<sup>®</sup> & JPMorgan Large Cap Growth Fund<br>JNL/T. Rowe Price Growth Stock Fund |
| Morningstar<sup>®</sup> US Large-Mid Cap Broad Value Index<sup>SM</sup> | JNL/JPMorgan U.S. Value Fund<br>JNL/MFS Equity Income Fund<br>JNL/Newton Equity Income Fund<br>JNL/T. Rowe Price Value Fund<br>JNL/WMC Value Fund |

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| | |
|:---|:---|
| Index (collectively, the "Morningstar Indices") | Fund (collectively, the "JNL Funds") |
| Morningstar<sup>®</sup> US Market Extended Index<sup>SM</sup> | JNL Mid Cap Index <br>JNL Multi-Manager Mid Cap Fund<br>JNL Multi-Manager Small Cap Growth Fund<br>JNL Multi-Manager Small Cap Value Fund<br>JNL Small Cap Index <br>JNL/DFA U.S. Core Equity Fund<br>JNL/DFA U.S. Small Cap Fund<br>JNL/Invesco Small Cap Growth Fund<br>JNL/JPMorgan MidCap Growth Fund<br>JNL/Mellon Communication Services Sector Fund<br>JNL/Mellon Consumer Discretionary Sector Fund<br>JNL/Mellon Consumer Staples Sector Fund<br>JNL/Mellon Energy Sector Fund<br>JNL/Mellon Financial Sector Fund<br>JNL/Mellon Healthcare Sector Fund<br>JNL/Mellon Industrials Sector Fund<br>JNL/Mellon Information Technology Sector Fund<br>JNL/Mellon Materials Sector Fund<br>JNL/Mellon Real Estate Sector Fund<br>JNL/Mellon Utilities Sector Fund<br>JNL/MFS Mid Cap Value Fund<br>JNL/Morningstar SMID Moat Focus Index Fund<br>JNL/RAFI<sup>®</sup> Fundamental U.S. Small Cap<br>JNL/RAFI<sup>®</sup> Multi-Factor U.S. Equity <br>JNL/T. Rowe Price Mid-Cap Growth Fund |
| Morningstar<sup>®</sup> US Mid Cap Broad Growth Index<sup>SM</sup> | JNL/JPMorgan MidCap Growth Fund<br>JNL/T. Rowe Price Mid-Cap Growth Fund |
| Morningstar<sup>®</sup> US Mid Cap Broad Value Index<sup>SM</sup> | JNL/MFS Mid Cap Value Fund |
| Morningstar<sup>®</sup> US Mid Cap Index<sup>SM</sup> | JNL Multi-Manager Mid Cap Fund |
| Morningstar<sup>®</sup> US Real Estate Index<sup>SM</sup> | JNL/Mellon Real Estate Sector Fund |
| Morningstar<sup>®</sup> US REIT Index<sup>SM</sup> | JNL/Cohen & Steers U.S. Realty Fund |
| Morningstar<sup>®</sup> US Small Cap Broad Growth Extended Index<sup>SM</sup> | JNL Multi-Manager Small Cap Growth Fund<br>JNL/Invesco Small Cap Growth Fund |
| Morningstar<sup>®</sup> US Small Cap Broad Value Extended Index<sup>SM</sup> | JNL Multi-Manager Small Cap Value Fund |
| Morningstar<sup>®</sup> US Small Cap Extended Index<sup>SM</sup> | JNL/DFA U.S. Small Cap Fund<br>JNL/RAFI<sup>®</sup> Fundamental U.S. Small Cap Fund |
| Morningstar<sup>®</sup> US Small-Mid Cap Index<sup>SM</sup> | JNL/Morningstar SMID Moat Focus Index Fund |
| Morningstar<sup>®</sup> US Small-Mid Cap Moat Focus Index<sup>SM</sup> | JNL/Morningstar SMID Moat Focus Index Fund |
| Morningstar<sup>®</sup> US Sustainability Index<sup>SM</sup> | JNL/Morningstar U.S. Sustainability Index Fund |
| Morningstar<sup>®</sup> US Technology Index<sup>SM</sup> | JNL/Mellon Information Technology Sector Fund |
| Morningstar<sup>®</sup> US Target Market Exposure Index<sup>SM</sup> | JNL Multi-Manager Select Equity Fund<br>JNL/BlackRock Large Cap Select Growth Fund<br>JNL/Cohen & Steers U.S. Realty Fund<br>JNL/Fidelity Institutional AM<sup>®</sup> & JPMorgan Large Cap Growth Fund<br>JNL/JPMorgan Nasdaq<sup>®</sup> Hedged Equity Fund<br>JNL/JPMorgan U.S. Value Fund<br>JNL/Morningstar U.S. Sustainability Index Fund<br>JNL/T. Rowe Price Value Fund<br>JNL/WMC Equity Income Fund<br>JNL/WMC Value Fund |
| Morningstar<sup>®</sup> US Utilities Index<sup>SM</sup> | JNL/Mellon Utilities Sector Fund |
| Morningstar<sup>®</sup> Wide Moat Focus Index<sup>SM</sup> | JNL/Morningstar Wide Moat Index Fund |

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THE MORNINGSTAR ENTITIES AND LSTA DO NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE MORNINGSTAR INDICES OR ANY DATA INCLUDED THEREIN AND SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS, OR INTERRUPTIONS THEREIN. THE MORNINGSTAR ENTITIES AND LSTA MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY JNAM, OWNERS OR USERS OF THE JNL

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FUNDS, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE MORNINGSTAR INDICES OR ANY DATA INCLUDED THEREIN. THE MORNINGSTAR ENTITIES AND LSTA MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE MORNINGSTAR INDICES OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE MORNINGSTAR ENTITIES OR LSTA HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

The JNL/RAFI <sup>®</sup> Fundamental U.S. Small Cap Fund and JNL/RAFI <sup>®</sup> Multi-Factor U.S. Equity Fund (the "JNL/RAFI Funds") are not sponsored, offered, or sold in any manner by RAFI Indices, LLC or any of its affiliates, licensors or contractors (the "RAFI Parties") nor do any of the RAFI Parties offer to any person purchasing a product that uses or incorporates a product based on an Index any express or implicit guarantee, warranty or assurance either with regard to the results of using the RAFI Multi-Factor <sup>®</sup> US Index and RAFI <sup>®</sup> Fundamental US Small Company Index (each an "Index") or the Index Price at any time or in any other respect. Each Index is calculated and published by the RAFI Parties. The RAFI Parties use commercially reasonable efforts to ensure that the Index is calculated correctly. None of the RAFI Parties shall be liable to any person purchasing a product that uses or incorporates a product based on the Index for any error, omission, inaccuracy, incompleteness, delay, or interruption in the Index or any data related thereto or have any obligation to point out errors in the Index to any person. Neither publication of each Index by the RAFI Parties nor the licensing of the Index or Index trademark for the purpose of use in connection with the JNL/RAFI Funds constitutes a recommendation by any of the RAFI Parties to invest in nor does it in any way represent an assurance, endorsement or opinion of any of the RAFI Parties with regard to any investment in the JNL/RAFI Funds. The trade names Fundamental Index <sup>®</sup> and RAFI <sup>®</sup> are registered trademarks of Research Affiliates, LLC in the US and other countries. "Bloomberg <sup>®</sup> " and the Bloomberg Indices (as defined below) are service marks of Bloomberg Finance L.P. and its affiliates, including Bloomberg Index Services Limited ("BISL"), the administrator of the index (collectively, "Bloomberg"), and have been licensed for use for certain purposes by Jackson National Asset Management, LLC ("JNAM"). The JNL Funds (as defined below) are not sponsored, endorsed, sold or promoted by Bloomberg. Bloomberg does not make any representation or warranty, express or implied, to the owners of or counterparties to the JNL Funds or any member of the public regarding the advisability of investing in securities generally or in the JNL Funds particularly. The only relationship of Bloomberg to JNAM is the licensing of certain trademarks, trade names and service marks and of the Bloomberg Indices, which is determined, composed and calculated by BISL without regard to JNAM or the JNL Funds. Bloomberg has no obligation to take the needs of JNAM or the owners of the JNL Funds into consideration in determining, composing or calculating the Bloomberg Indices. Bloomberg is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of the JNL Funds to be issued. Bloomberg shall not have any obligation or liability, including, without limitation, to JNL Funds customers, in connection with the administration, marketing or trading of the JNL Funds.

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| | |
|:---|:---|
| Index (collectively, the "Bloomberg Indices") | Fund (collectively, the "JNL Funds") |
| Bloomberg 1-3 Yr Gov/Credit Index | JNL/T. Rowe Price Short-Term Bond Fund |
| Bloomberg EM USD Aggregate Index | JNL/DoubleLine<sup>®</sup> Emerging Markets Fixed Income Fund |
| Bloomberg Global Aggregate Index | JNL/DoubleLine<sup>®</sup> Emerging Markets Fixed Income Fund |
| Bloomberg U.S. High Yield - 2% Issuer Cap Index | JNL/PPM America High Yield Bond Fund |

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| | |
|:---|:---|
| Index (collectively, the "Bloomberg Indices") | Fund (collectively, the "JNL Funds") |
| Bloomberg U.S. Aggregate Index | JNL Aggressive Growth Allocation Fund<br>JNL Bond Index Fund<br>JNL Conservative Allocation Fund<br>JNL Growth Allocation Fund<br>JNL Growth ETF Allocation Fund<br>JNL Moderate Allocation Fund<br>JNL Moderate ETF Allocation Fund<br>JNL Moderate Growth Allocation Fund<br>JNL Moderate Growth ETF Allocation Fund<br>JNL Multi-Manager Alternative Fund<br>JNL Multi-Manager Floating Rate Income Fund<br>JNL/American Funds Balanced Fund<br>JNL/American Funds Bond Fund of America Fund<br>JNL/American Funds Capital Income Builder Fund<br>JNL/American Funds Growth Allocation Fund<br>JNL/American Funds Moderate Allocation Fund<br>JNL/American Funds Moderate Growth Allocation Fund<br>JNL/DoubleLine<sup>®</sup> Core Fixed Income Fund<br>JNL/DoubleLine<sup>®</sup> Total Return Fund<br>JNL/Dreyfus Government Money Market Fund<br>JNL/Fidelity Institutional AM<sup>®</sup> Total Bond Fund<br>JNL/Franklin Templeton Income Fund<br>JNL/JPMorgan U.S. Government & Quality Bond Fund<br>JNL/Lord Abbett Short Duration Income Fund<br>JNL/Neuberger Berman Strategic Income Fund<br>JNL/PIMCO Income Fund<br>JNL/PIMCO Real Return Fund<br>JNL/PPM America High Yield Bond Fund<br>JNL/PPM America Investment Grade Credit Fund<br>JNL/PPM America Total Return Fund<br>JNL/T. Rowe Price Capital Appreciation Fund<br>JNL/T. Rowe Price Short-Term Bond Fund<br>JNL/Vanguard Growth ETF Allocation Fund<br>JNL/Vanguard Moderate ETF Allocation Fund<br>JNL/Vanguard Moderate Growth ETF Allocation Fund<br>JNL/Westchester Capital Event Driven Fund<br>JNL/WMC Balanced Fund |
| Bloomberg U.S. Credit Index | JNL/PIMCO Investment Grade Credit Bond Fund<br>JNL/PPM America Investment Grade Credit Fund |
| Bloomberg U.S. Government Index | JNL/JPMorgan U.S. Government & Quality Bond Fund |
| Bloomberg U.S. Treasury: U.S. TIPS Index | JNL/PIMCO Real Return Fund |
| Bloomberg USD 1 Month Cash Deposit Index | JNL/Dreyfus Government Money Market Fund |

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BLOOMBERG DOES NOT GUARANTEE THE ACCURACY AND/OR THE COMPLETENESS OF THE BLOOMBERG INDICES OR ANY DATA RELATED THERETO AND SHALL HAVE NO LIABILITY FOR ANY ERRORS, OMISSIONS OR INTERRUPTIONS THEREIN. BLOOMBERG DOES NOT MAKE ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY JNAM, OWNERS OF THE JNL FUNDS OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE BLOOMBERG INDICES OR ANY DATA RELATED THERETO. BLOOMBERG DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE BLOOMBERG INDICES OR ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, TO THE MAXIMUM EXTENT ALLOWED BY LAW, BLOOMBERG, ITS LICENSORS, AND ITS AND THEIR RESPECTIVE EMPLOYEES, CONTRACTORS, AGENTS, SUPPLIERS, AND VENDORS SHALL HAVE NO LIABILITY OR RESPONSIBILITY WHATSOEVER FOR ANY INJURY OR DAMAGES-WHETHER DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, PUNITIVE OR OTHERWISE-ARISING IN CONNECTION WITH THE JNL FUNDS OR BLOOMBERG INDICES OR ANY DATA OR VALUES RELATING THERETO-WHETHER ARISING FROM THEIR NEGLIGENCE OR OTHERWISE, EVEN IF NOTIFIED OF THE POSSIBILITY THEREOF.

Barclays Capital Inc. and its affiliates ("Barclays") is not the issuer or producer of JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund and Barclays has no responsibilities, obligations or duties to investors in JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund. The Shiller Barclays CAPE™ US Sector II ER USD Index is a trademark owned by Barclays Bank PLC and licensed for use by JNL

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Series Trust ("JNLST") as the Issuer of JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund. Barclays only relationship with the Issuer in respect of Shiller Barclays CAPE™ US Sector II ER USD Index is the licensing of the Shiller Barclays CAPE™ US Sector II ER USD Index which is determined, composed and calculated by Barclays without regard to the Issuer or the JNL/DoubleLine® Shiller Enhanced CAPE<sup>®</sup> Fund or the owners of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund. Additionally, JNLST or JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund may for itself execute transaction(s) with Barclays in or relating to the Shiller Barclays CAPE™ US Sector II ER USD Index in connection with JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund investors acquire JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund from JNLST and investors neither acquire any interest in Shiller Barclays CAPE™ US Sector II ER USD Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund. The JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund is not sponsored, endorsed, sold or promoted by Barclays. Barclays does not make any representation or warranty, express or implied regarding the advisability of investing in the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund or the advisability of investing in securities generally or the ability of the Shiller Barclays CAPE™ US Sector II ER USD Index to track corresponding or relative market performance. Barclays has not passed on the legality or suitability of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund with respect to any person or entity. Barclays is not responsible for and has not participated in the determination of the timing of, prices at, or quantities of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund to be issued. Barclays has no obligation to take the needs of the Issuer or the owners of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund or any other third party into consideration in determining, composing or calculating the Shiller Barclays CAPE™ US Sector II ER USD Index Barclays has no obligation or liability in connection with administration, marketing or trading of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund.

The licensing agreement between JNLST and Barclays is solely for the benefit of JNLST and Barclays and not for the benefit of the owners of the JNL/DoubleLine<sup>®</sup> Shiller Enhanced CAPE<sup>®</sup> Fund, investors or other third parties.

BARCLAYS SHALL HAVE NO LIABILITY TO THE ISSUER, INVESTORS OR TO OTHER THIRD PARTIES FOR THE QUALITY, ACCURACY AND/OR COMPLETENESS OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX OR ANY DATA INCLUDED THEREIN OR FOR INTERRUPTIONS IN THE DELIVERY OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX. BARCLAYS MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY THE ISSUER, THE INVESTORS OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX OR ANY DATA INCLUDED THEREIN. BARCLAYS MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX OR ANY DATA INCLUDED THEREIN. BARCLAYS RESERVES THE RIGHT TO CHANGE THE METHODS OF CALCULATION OR PUBLICATION, OR TO CEASE THE CALCULATION OR PUBLICATION OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX, AND BARCLAYS SHALL NOT BE LIABLE FOR ANY MISCALCULATION OF OR ANY INCORRECT, DELAYED OR INTERRUPTED PUBLICATION WITH RESPECT TO ANY OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX BARCLAYS SHALL NOT BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY LOST PROFITS AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH, RESULTING FROM THE USE OF THE SHILLER BARCLAYS CAPE™ US SECTOR II ER USD INDEX OR ANY DATA INCLUDED THEREIN OR WITH RESPECT TO THE JNL/DOUBLELINE<sup>®</sup> SHILLER ENHANCED CAPE<sup>®</sup> FUND.

None of the information supplied by Barclays Bank PLC and used in this publication may be reproduced in any manner without the prior written permission of Barclays Capital, the investment banking division of Barclays Bank PLC. Barclays Bank PLC is registered in England No. 1026167. Registered office 1 Churchill Place London E l 4 5HP.

Wilshire <sup>®</sup> is a registered trademark owned by Wilshire Advisors LLC ("Wilshire") and used under license and the Wilshire Indexes <sup>SM</sup> indexes, Wilshire Liquid Alternative Index <sup>SM</sup> , and Wilshire Liquid Alternative Event Driven Index <sup>SM</sup> are service marks owned or licensed by Wilshire OpCo UK Limited and have been licensed by Wilshire Benchmarks US LLC for use by Jackson National Asset Management, LLC. Wilshire OpCo UK Limited and Wilshire Benchmarks US LLC are referred to as "Wilshire Indexes". All copyrightable subject matter in a Wilshire Indexes' index and Wilshire Indexes' data is© 2026 Wilshire Indexes, all rights reserved. The JNL Multi-Manager Alternative Fund and JNL/Westchester Capital Event Driven Fund (together, the "JNL Funds") are not sponsored, endorsed, sold or promoted by Wilshire Indexes and Wilshire Indexes makes no representations, warranties or other commitments with respect to the JNL Funds. Wilshire Indexes does not accept any liability to any person for any loss or damage arising out of any error or omission in the Wilshire Indexes' indexes or Wilshire Indexes' data.

**Services**

Jackson of NY is the custodian of the assets of the Separate Account. Jackson of NY holds all cash of the Separate Account and attends to the collection of proceeds of shares of the underlying Funds bought and sold by the Separate Account.

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The financial statements of each Investment Division within JNLNY Separate Account I and Jackson National Life Insurance Company of New York for the periods indicated have been incorporated by reference herein in reliance upon the reports of KPMG LLP, an independent registered public accounting firm, incorporated by reference herein, and upon the authority of said firm as experts in accounting and auditing. KPMG LLP's report dated March 27, 2026, states that Jackson National Life Insurance Company of New York prepared its financial statements using statutory accounting practices prescribed or permitted by the New York State Department of Financial Services (statutory accounting practices), which is a basis of accounting other than U.S. generally accepted accounting principles. Accordingly, KPMG LLP's report states that the financial statements of Jackson National Life Insurance Company of New York are not intended to be and, therefore, are not fairly presented in accordance with U.S. generally accepted accounting principles and further states that those statements are presented fairly, in all material respects, in accordance with the statutory accounting principles. The principal business address of KPMG LLP is 200 E Randolph, Suite 5500, Chicago, Illinois 60601.

Jackson is the parent of Jackson National Asset Management, LLC ("JNAM"), the Funds' investment adviser and administrator. Pursuant to an agreement between Jackson and JNAM, JNAM provides certain administrative services with respect to the Separate Account, including separate account administration services and financial and accounting services. For the past three years, Jackson paid $724,851 in 2023, $791,359 in 2024, and $933,097 in 2025 for the services provided by JNAM to Jackson.

**Purchase of Securities Being Offered**

The Contracts will be sold by licensed insurance agents. The agents will be registered representatives of broker-dealers that are registered under the Securities Exchange Act of 1934 and members of the Financial Industry Regulatory Authority (FINRA).

**Contract Adjustments**

A Market Value Adjustment ("MVA") may apply to amounts withdrawn, transferred, or annuitized from a Fixed Account Option prior to the end of the specified period. The Market Value Adjustment reflects changes in the level of interest rates since the beginning of the Fixed Account Option period. Market Value Adjustments protect the Company from risks related to the value of the fixed investment instruments supporting the Contract guarantees if amounts are withdrawn prematurely. The Market Value Adjustment shifts the risk from the Company to you.

In order to determine whether there will be a Market Value Adjustment, we first consider the base interest rate of the Fixed Account Option from which you are removing Contract Value as a withdrawal, transfer, or annuitization. As discussed in the section titled "The Fixed Account", in the subsection titled "Rates of Interest we Credit," the base interest rate is a rate which we declare at the time you allocate any amount to a Fixed Account Option and which we credit to that Fixed Account Option if and when such base interest rate is higher than the Fixed Account minimum interest rate. The Market Value Adjustment is based on the relationship of the base interest rate on your Fixed Account Option to the current new business interest rate, which is a rate that we use solely for purposes of calculating the amount of any Market Value Adjustment. The current new business interest rate is 0.25% per annum greater than the base interest rate we are then offering for new allocations to Fixed Account Options with the same duration as your Fixed Account Option. If we are not offering that duration at the time of your withdrawal, transfer, or annuitization, we will estimate a base interest rate for that duration based on the closest durations that we are then offering.

If the base interest rate available for allocations into a new Fixed Account Option at the time of your withdrawal, transfer, or annuitization is *higher* than the base interest rate declared at the time of your allocation to a Fixed Account Option, a *negative* adjustment to the amount withdrawn, transferred or annuitized may apply, which would *reduce* the amount paid, transferred or annuitized. If the base interest rate available for allocations into a new Fixed Account Option at the time of withdrawal, transfer, or annuitization is *lower* than the base interest rate declared at the time of your allocation to a Fixed Account Option, a *positive* adjustment to the amount withdrawn, transferred or annuitized may apply, which would *increase* the amount paid, transferred or annuitized. There will be no Market Value Adjustment if the two rates are the same.

If the current new business interest rate is greater than the base interest rate for the Fixed Account Option from which the amount is removed, there will be no Market Value Adjustment if the difference between the two is less than 0.25%. This limitation avoids decreases in the amount paid, transferred, or annuitized in situations where the general level of interest rates has declined but the current new business interest rate nevertheless exceeds the base interest rate for your Fixed Account Option because of the additional 0.25% that is added when determining the current new business interest rate (as described above).

The application of a Market Value Adjustment could result in a reduction in the amount you receive from a withdrawal, and in extreme circumstances, such losses could be as high as 100% of any credited interest. However, a Market Value Adjustment will never cause you to lose any of your original investment. The maximum loss would only occur if interest rates have risen dramatically between the date your Contract was issued and the time of your total withdrawal. A Market Value Adjustment will not otherwise affect the values under your Contract. Please see the SAI for an illustration of how an MVA impacts your withdrawals and contract values.

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There is no Market Value Adjustment on: amounts taken from the one-year Fixed Account Option; death benefit payments; payments pursuant to a life contingent income option or an income option resulting in payments spread over at least five years; amounts withdrawn for Contract charges; free withdrawals; amounts removed from any Fixed Account Option on the Latest Income Date and amounts removed from any Fixed Account Option in the 30-day period following the end of a Fixed Account Option term. In no event will the amount of a total withdrawal, transfer or annuitization from the Fixed Account Options be less than the Fixed Account Minimum Value. In the case of a withdrawal or transfer from a Fixed Account Option, the amount withdrawn or transferred will have been credited with interest at a rate at least equal to the Fixed Account minimum interest rate, even if subject to a Market Value Adjustment that otherwise would have reduced it below that rate.

Market Value Adjustment Example.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Example 1: The following example illustrates how the Fixed Account Minimum Value may affect a Market Value Adjustment on a total withdrawal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If you allocated your $10,000 initial Premium to the Fixed Account and your declared rate of interest was 3%, after one year (assuming no other transactions) your Contract Value in the Fixed Account would be $10,300.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• If the Fixed Account minimum interest rate was 1%, your Fixed Account Minimum Value would be $10,100.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• In this case, a Market Value Adjustment could not reduce the withdrawal by more than $200 (the difference between your Contract Value in the Fixed Account and the Fixed Account Minimum Value).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• For example, if you request a total withdrawal (gross amount of $10,300) and it is subject to a $100 negative Market Value Adjustment, the withdrawal amount would be adjusted to $10,200.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• However, if it were subject to a negative $500 Market Value Adjustment, the withdrawal would be adjusted to $10,100 (i.e. the Fixed Account Minimum Value), so that it does not invade the Fixed Account Minimum Value.

Immediately after the latter withdrawal example, there will be no difference between your Contract Value in the Fixed Account and Fixed Account Minimum Value, and no negative Market Value Adjustments will apply on subsequent withdrawals until the Contract Value in the Fixed Account grows to be larger than the Fixed Account Minimum Value.

**Underwriters**

The Contracts are offered continuously and are distributed by Jackson National Life Distributors LLC (JNLD), 300 Innovation Drive, Franklin, Tennessee 37067. JNLD is a subsidiary of Jackson.

No commissions are paid to broker-dealers selling the contracts.

**Calculation of Performance**

When Jackson of NY advertises performance for an Investment Division (except the JNL/Dreyfus Government Money Market Division), we will include quotations of standardized average annual total return to facilitate comparison with standardized average annual total return advertised by other variable annuity separate accounts. Standardized average annual total return for an Investment Division will be shown for periods beginning on the date the Investment Division first invested in the corresponding Fund. We will calculate standardized average annual total return according to the standard methods prescribed by rules of the Securities and Exchange Commission.

Standardized average annual total return for a specific period is calculated by taking a hypothetical $1,000 investment in an Investment Division at the offering on the first day of the period ("initial investment") and computing the average annual compounded rate of return for the period that would equate the initial investment with the ending redeemable value ("redeemable value") of that investment at the end of the period, carried to at least the nearest hundredth of a percent. Standardized average annual total return is annualized and reflects the deduction of all recurring charges that are charged to all Contracts. The redeemable value also reflects the effect of any applicable withdrawal charge or other charge that may be imposed at the end of the period. No deduction is made for premium taxes that may be assessed by certain states. Yields and total returns do not reflect any advisory fees paid to financial intermediaries from contract value or other assets of the Owner and that if such charges were reflected, performance would be lower.

Jackson of NY may also advertise non-standardized total return on an annualized and cumulative basis. Non-standardized total return may be for periods other than those required to be presented or may otherwise differ from standardized average annual total return. The Contract is designed for long-term investment; therefore, Jackson of NY believes that non-standardized total return that does not reflect the deduction of any applicable withdrawal charge may be useful to investors. Reflecting the deduction of the withdrawal charge decreases the level of performance advertised. Non-standardized total return may also assume a larger initial investment that more closely approximates the size of a typical Contract.

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Standardized average annual total return quotations will be current to the last day of the calendar quarter preceding the date on which an advertisement is submitted for publication. Both standardized average annual total return quotations and non-standardized total return quotations will be based on rolling calendar quarters and will cover at least periods of one, five, and ten years, or a period covering the time the Investment Division has been in existence, if it has not been in existence for one of the prescribed periods.

Quotations of standardized average annual total return and non-standardized total return are based upon historical earnings and will fluctuate. Any quotation of performance should not be considered a guarantee of future performance. Factors affecting the performance of an Investment Division and its corresponding Fund include general market conditions, operating expenses and investment management. An Owner's withdrawal value upon surrender of a Contract may be more or less than its original cost.

Jackson of NY may advertise the current annualized yield for a 30-day period for an Investment Division. The annualized yield of an Investment Division refers to the income generated by the Investment Division over a specified 30-day period. Because this yield is annualized, the yield generated by an Investment Division during the 30-day period is assumed to be generated each 30-day period. The yield is computed by dividing the net investment income per Accumulation Unit earned during the period by the price per unit on the last day of the period, according to the following formula:

![saigraphica42a.jpg](saigraphica42a.jpg)

Where:

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| | | |
|:---|:---|:---|
| a | = | net investment income earned during the period by the Fund attributable to shares owned by the Investment Division. |
| b | = | expenses for the Investment Division accrued for the period (net of reimbursements). |
| c | = | the average daily number of Accumulation Units outstanding during the period. |
| d | = | the maximum offering price per Accumulation Unit on the last day of the period. |

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Net investment income will be determined in accordance with rules established by the Securities and Exchange Commission. Accrued expenses will include all recurring fees that are charged to all Contracts.

Because of the charges and deductions imposed by the Separate Account, the yield for an Investment Division will be lower than the yield for the corresponding Fund. The yield on amounts held in the Investment Divisions normally will fluctuate over time. Therefore, the disclosed yield for any given period is not an indication or representation of future yields or rates of return. An Investment Division's actual yield will be affected by the types and quality of portfolio securities held by the Fund and the Fund's operating expenses.

Any current yield quotations of the JNL/Dreyfus Government Money Market Division will consist of a seven calendar day historical yield, carried at least to the nearest hundredth of a percent. We may advertise yield for the Division based on different time periods, but we will accompany it with a yield quotation based on a seven day calendar period. The JNL/Dreyfus Government Money Market Division's yield will be calculated by determining the net change, exclusive of capital changes, in the value of a hypothetical pre-existing account having a balance of one Accumulation Unit at the beginning of the base period, subtracting a hypothetical charge reflecting deductions from Contracts, and dividing the net change in account value by the value of the account at the beginning of the period to obtain a base period return and multiplying the base period return by (365/7). The JNL/Dreyfus Government Money Market Division's effective yield is computed similarly but includes the effect of assumed compounding on an annualized basis of the current yield quotations of the Division.

The JNL/Dreyfus Government Money Market Division's yield and effective yield will fluctuate daily. Actual yields will depend on factors such as the type of instruments in the Fund's portfolio, portfolio quality and average maturity, changes in interest rates, and the Fund's expenses. Although the Investment Division determines its yield on the basis of a seven calendar day period, it may use a different time period on occasion. The yield quotes may reflect the expense limitations described in the Fund's Prospectus or Statement of Additional Information. There is no assurance that the yields quoted on any given occasion will be maintained for any period of time and there is no guarantee that the net asset values will remain constant. It should be noted that neither a Contract Owner's investment in the JNL/Dreyfus Government Money Market Division nor that Division's investment in the JNL/Dreyfus

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Government Money Market Division is guaranteed or insured. Yields of other money market Funds may not be comparable if a different base or another method of calculation is used.

**Additional Tax Information**

NOTE: INFORMATION CONTAINED HEREIN SHOULD NOT BE SUBSTITUTED FOR THE ADVICE OF A PERSONAL TAX ADVISER. JACKSON OF NY DOES NOT MAKE ANY GUARANTEE REGARDING THE TAX STATUS OF ANY CONTRACT OR ANY TRANSACTION INVOLVING THE CONTRACTS. PURCHASERS BEAR THE COMPLETE RISK THAT THE CONTRACTS MAY NOT BE TREATED AS "ANNUITY CONTRACTS" UNDER FEDERAL INCOME TAX LAWS. IT SHOULD BE FURTHER UNDERSTOOD THAT THE FOLLOWING DISCUSSION IS NOT EXHAUSTIVE AND THAT OTHER SPECIAL RULES MAY BE APPLICABLE IN CERTAIN SITUATIONS. MOREOVER, NO ATTEMPT HAS BEEN MADE TO CONSIDER ANY APPLICABLE STATE OR OTHER TAX LAWS OR TO COMPARE THE TAX TREATMENT OF THE CONTRACTS TO THE TAX TREATMENT OF ANY OTHER INVESTMENT.

*Jackson of NY's Tax Status*

Jackson of NY is taxed as a life insurance company under the Internal Revenue Code of 1986, as amended (the "Code"). For federal income tax purposes, the Separate Account is not a separate entity from Jackson of NY and its operations form a part of Jackson of NY.

*Taxation of Annuity Contracts in General*

Section 72 of the Code governs the taxation of annuities in general. An individual Owner is not taxed on increases in the value of a Contract until distribution occurs, either in the form of a withdrawal or as annuity payments under the annuity option elected. For a withdrawal received as a total surrender (total redemption or a death benefit), the recipient is taxed on the portion of the payment that exceeds the cost basis of the Contract. For a payment received as a partial withdrawal from a non-qualified Contract, federal tax liability is generally determined on a last-in, first-out basis, meaning taxable income is withdrawn before the cost basis of the Contract is withdrawn. Generally, withdrawals under a tax-qualified contract are taxable as ordinary income. For Contracts issued in connection with non-qualified plans, the cost basis is generally the Premiums, while for Contracts issued in connection with tax-qualified plans there may be no cost basis. The taxable portion of a withdrawal is taxed at ordinary income tax rates. Tax penalties may also apply.

For annuity payments, a portion of each payment in excess of an exclusion amount is includable in taxable income. All annuity payments in excess of the exclusion amount are fully taxable at ordinary income rates.

The exclusion amount for payments based on a fixed annuity option is determined by multiplying the payment by the ratio that the cost basis of the Contract (adjusted for any period certain or refund feature) bears to the expected return under the Contract. The exclusion amount for payments based on a variable annuity option is determined by dividing the cost basis of the Contract (adjusted for any period certain or refund guarantee) by the fixed or estimated number of years for which annuity payments are to be made. No exclusion is allowed with respect to any payments received after the investment in the Contract has been recovered (i.e., when the total of the excludable amounts equals the investment in the Contract). For certain types of tax-qualified plans there may be no cost basis in the Contract within the meaning of Section 72 of the Code.

Owners, Annuitants and Beneficiaries under the Contracts should seek competent financial advice about the tax consequences of distributions.

*Medicare Tax on Net Investment Income*

As of 2013, the taxable portion of distributions from a non-qualified annuity Contract are considered investment income for purposes of the Medicare tax on investment income. As a result, a 3.8% tax will generally apply to some or all of the taxable portion of distributions to individuals whose modified adjusted gross income exceeds certain threshold amounts. These levels are $200,000 in the case of single taxpayers, $250,000 in the case of married taxpayers filing joint returns, and $125,000 in the case of married taxpayers filing separately. Owners should consult their own tax advisers for more information.

*Withholding Tax on Distributions*

The Code generally requires Jackson of NY (or, in some cases, a plan administrator) to withhold tax on the taxable portion of any distribution or withdrawal from a Contract. For "eligible rollover distributions" from Contracts issued under certain types of tax-qualified plans, 20% of the distribution must be withheld, unless the payee elects to have the distribution "rolled over" to another eligible plan in a direct transfer. This requirement is mandatory and cannot be waived by the Owner.

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An "eligible rollover distribution" is the taxable portion of any amount received by a covered employee from a plan qualified under Section 401(a) or 403(a) of the Code, from a tax sheltered annuity qualified under Section 403(b) of the Code or an eligible deferred compensation plan of a state or local government under Section 457(b) of the Code (other than (1) a series of substantially equal periodic payments (not less frequently than annually) for the life (or life expectancy) of the employee, or joint lives (or joint life expectancies) of the employee, and his or her designated Beneficiary, or for a specified period of ten years or more; (2) minimum distributions required to be made under the Code; and (3) hardship withdrawals). Failure to "roll over" the entire amount of an eligible rollover distribution (including the amount equal to the 20% portion of the distribution that was withheld) could have adverse tax consequences, including the imposition of a penalty tax on premature withdrawals, described later in this section.

Withdrawals or distributions from a Contract other than eligible rollover distributions are also subject to withholding on the taxable portion of the distribution, but the Owner may elect in such cases to waive the withholding requirement. If not waived, or otherwise elected, withholding is imposed (1) for periodic payments, as if the payee had checked the box for "Single" in Step 1(c) and had no entries in Step 2, Step 3, and Step 4 on Internal Revenue Service Form W-4P, or (2) for other distributions at the rate of 10%, or under the currently applicable federal tax rules.

Generally, the amount of any payment of interest to a non-resident alien of the United States shall be subject to withholding of a tax equal to 30% of such amount or, if applicable, a lower treaty rate. A payment may not be subject to withholding where the recipient sufficiently establishes that such payment is effectively connected to the recipient's conduct of a trade or business in the United States and such payment is included in the recipient's gross income.

*Diversification -- Separate Account Investments*

Section 817(h) of the Code imposes certain asset diversification standards on variable annuity Contracts. The Code provides that a variable annuity Contract will not be treated as an annuity Contract for any period (and any subsequent period) for which the investments held in any segregated asset account underlying the Contract are not adequately diversified, in accordance with regulations prescribed by the United States Treasury Department ("Treasury Department"). Disqualification of the Contract as an annuity Contract would result in imposition of federal income tax to the Owner with respect to earnings allocable to the Contract prior to the receipt of payments under the Contract. The Code contains a safe harbor provision which provides that annuity contracts, such as the Contracts, meet the diversification requirements if, as of the last day of each calendar quarter, or within 30 days after such last day, the underlying assets meet the diversification standards for a regulated investment company, and no more than 55% of the total assets consist of cash, cash items, U.S. government securities and securities of other regulated investment companies.

The Treasury Department has issued Regulations establishing diversification requirements for the mutual Funds underlying variable Contracts. These Regulations amplify the diversification requirements for variable Contracts set forth in the Code and provide an alternative to the safe harbor provision described above. Under these Regulations, a mutual Fund will be deemed adequately diversified if (1) no more than 55% of the value of the total assets of the mutual Fund is represented by any one investment; (2) no more than 70% of the value of the total assets of the mutual Fund is represented by any two investments; (3) no more than 80% of the value of the total assets of the mutual Fund is represented by any three investments; and (4) no more than 90% of the value of the total assets of the mutual Fund is represented by any four investments.

Jackson of NY intends that each Fund of the JNL Series Trust will be managed by its respective investment adviser in such a manner as to comply with these diversification requirements.

At the time the Treasury Department issued the diversification Regulations, it did not provide guidance regarding the circumstances under which Contract Owner control of the investments of a segregated asset account would cause the Contract Owner to be treated as the Owner of the assets of the segregated asset account. Revenue Ruling 2003-91 provides such guidance by describing the circumstances under which the Owner of a variable contract will not possess sufficient control over the assets underlying the contract to be treated as the Owner of those assets for federal income tax purposes.

Rev. Rul. 2003-91 considered certain variable annuity and variable life insurance contracts and held that the types of actual and potential control that the Contract Owners could exercise over the investment assets held by the insurance company under these variable contracts was not sufficient to cause the Contract Owners to be treated as the Owners of those assets and thus to be subject to current income tax on the income and gains produced by those assets. Under the contracts in Rev. Rul. 2003-91 there was no arrangement, plan, contract or agreement between the Contract Owner and the insurance company regarding the availability of a particular investment option and other than the Contract Owner's right to allocate Premiums and transfer funds among the available sub-accounts, all investment decisions concerning the sub-accounts were made by the insurance company or an advisor in its sole and absolute discretion. Twelve investment options were available under the contracts in Rev. Rul. 2003-91 although the insurance company had the right to increase (but to no more than 20) or decrease the number of sub-accounts at any time. The Contract Owner was permitted to transfer amounts among the various investment options without limitation, subject to incurring fees for more than one transfer per 30-day period.

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Like the contracts described in Rev. Rul. 2003-91, under the Contract there will be no arrangement, plan, contract or agreement between a Contract Owner and Jackson of NY regarding the availability of a particular Allocation Option and other than the Contract Owner's right to allocate Premiums and transfer funds among the available Allocation Options, all investment decisions concerning the Allocation Options will be made by Jackson of NY or an advisor in its sole and absolute discretion. The Contract will differ from the contracts described in Rev. Rul. 2003-91 in two respects. The first difference is that the contracts described in Rev. Rul. 2003-91 provided only 12 investment options with the insurance company having the ability to add an additional 8 options whereas the Contract currently offers 104 Investment Divisions and at least one Fixed Account Option, and, if more than 99 options are offered, a Contract Owner's Contract Value can be allocated to no more than 99 variable and fixed options at any one time. The second difference is that the Owner of a contract in Rev. Rul. 2003-91 could only make one transfer per 30-day period without a fee whereas during the accumulation phase, a Contract Owner can make 25 transfers in any one year without a charge.

Rev. Rul. 2003-91 states that whether the Owner of a variable contract is to be treated as the Owner of the assets held by the insurance company under the Contract will depend on all of the facts and circumstances. Jackson of NY does not believe that the differences between the Contract and the contracts described in Rev. Rul. 2003-91 with respect to the number of investment choices and the number of investment transfers that can be made under the Contract without an additional charge should prevent the holding in Rev. Rul. 2003-91 from applying to the Owner of a Contract. At this time, however, it cannot be determined whether additional guidance will be provided by the IRS on this issue and what standards may be contained in such guidance. Jackson of NY reserves the right to modify the Contract to the extent required to maintain favorable tax treatment.

*Multiple Contracts*

The Code provides that multiple non-qualified annuity Contracts that are issued within a calendar year to the same Contract Owner by one company or its affiliates are treated as one annuity Contract for purposes of determining the tax consequences of any distribution. Such treatment may result in adverse tax consequences including more rapid taxation of the distributed amounts from such multiple Contracts. For purposes of this rule, Contracts received in a Section 1035 exchange will be considered issued in the year of the exchange. Owners should consult a tax adviser prior to purchasing more than one annuity Contract in any calendar year.

*Partial 1035 Exchanges*

In accordance with Revenue Procedure 2011-38, the IRS will consider a partial exchange of an annuity Contract for another annuity Contract valid if there is either no withdrawal from, or surrender of, either the surviving annuity contract or the new annuity contract within 180 days of the date of the partial. Revenue Procedure 2011-38 also provides certain exceptions to the 180 day rule. Due to the complexity of these rules, Owners are encouraged to consult their own tax advisors prior to entering into a partial exchange of an annuity Contract.

*Contracts Owned by Other than Natural Persons*

Under Section 72(u) of the Code, the investment earnings on Premiums for Contracts will be taxed currently to the Owner if the Owner is a legal entity, e.g., a corporation or certain other entities. Such Contracts generally will not be treated as annuities for federal income tax purposes (except for the taxation of life insurance companies). However, this treatment is not applied to Contracts held by a trust or other entity as an agent for a natural person nor to Contracts held by certain tax-qualified plans. Purchasers should consult their own tax counsel or other tax adviser before purchasing a Contract to be owned by a legal entity.

*Tax Treatment of Assignments*

An assignment or pledge of a Contract may have tax consequences. Any assignment or pledge of a tax-qualified Contract may also be prohibited by ERISA in some circumstances. Owners should, therefore, consult competent legal advisers should they wish to assign or pledge their Contracts.

An assignment or pledge of all or any portion of the value of a Non-Qualified Contract is treated under Section 72 of the Code as an amount not received as an annuity. The total value of the Contract assigned or pledged that exceeds the aggregate Premiums paid will be included in the individual's gross income. In addition, the amount included in the individual's gross income could also be subject to the 10% penalty tax discussed below under Non-Qualified Contracts.

An assignment or pledge of all or any portion of the value of a Qualified Contract will disqualify the Qualified Contract. If the Qualified Contract is part of a qualified pension or profit-sharing plan, the Code prohibits the assignment or alienation of benefits provided under the plan. If the Qualified Contract is an IRA annuity or a 403(b) annuity, the Code requires the Qualified Contract to be nontransferable. If the Qualified Contract is part of an eligible deferred compensation plan, amounts cannot be made available to

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plan participants or beneficiaries: (1) until the calendar year in which the participant attains age 70½; (2) when the participant has a severance from employment; or (3) when the participant is faced with an unforeseeable emergency.

*Death Benefits*

Any death benefits paid under the Contract are taxable to the Beneficiary. The rules governing the taxation of payments from an annuity Contract, as discussed above, generally apply to the payment of death benefits and depend on whether the death benefits are paid as a lump sum or as annuity payments. Estate or gift taxes may also apply.

*Tax-Qualified Plans*

The Contracts offered by the Prospectus are designed to be suitable for use under various types of tax-qualified plans. Taxation of Owners of a tax-qualified Contract will vary based on the type of plan and the terms and conditions of each specific plan. Owners, Annuitants and Beneficiaries are cautioned that benefits under a tax-qualified Contract may be subject to the terms and conditions of the plan, regardless of the terms and conditions of the Contracts issued to Fund the plan. Owners, Annuitants and Beneficiaries are also reminded that a tax-qualified Contract will not provide any necessary or additional tax deferral if it is used to fund a tax-qualified plan that is already tax-deferred.

*Tax Treatment of Withdrawals*

<u>Non-Qualified Contracts</u>

Section 72 of the Code governs treatment of distributions from annuity Contracts. It provides that if the contract value exceeds the aggregate Premiums made, any amount withdrawn not in the form of an annuity payment will be treated as coming first from the earnings and then, only after the income portion is exhausted, as coming from the principal. Withdrawn earnings are included in a taxpayer's gross income. Section 72 further provides that a 10% penalty will apply to the income portion of any distribution. The penalty is not imposed on amounts received: (1) after the taxpayer reaches 59 ½; (2) upon the death of the Owner; (3) if the taxpayer is totally disabled as defined in Section 72(m)(7) of the Code; (4) in a series of substantially equal periodic payments made at least annually for the life (or life expectancy) of the taxpayer or for the joint lives (or joint life expectancies) of the taxpayer and his Beneficiary; (5) under an immediate annuity; or (6) which are allocable to Premium payments made prior to August 14, 1982.

With respect to (4) above, if the series of substantially equal periodic payments is modified before the later of your attaining age 59 ½ or five years from the date of the first periodic payment, then the tax for the year of the modification is increased by an amount equal to the tax which would have been imposed (the 10% penalty tax) but for the exception, plus interest for the tax years in which the exception was used.

<u>Tax-Qualified Contracts</u>

In the case of a withdrawal under a tax-qualified Contract, a ratable portion of the amount received is taxable, generally based on the ratio of the individual's cost basis to the individual's total accrued benefit under the retirement plan. Special tax rules may be available for certain distributions from a tax-qualified Contract. Section 72(t) of the Code imposes a 10% penalty tax on the taxable portion of any distribution from qualified retirement plans, including Contracts issued and qualified under Code Sections 401 (pension and profit sharing plans), 403(b) (tax-sheltered annuities), individual retirement accounts and annuities under 408(a) and (b) (IRAs) and Roth IRAs under 408A. To the extent amounts are not included in gross income because they have been rolled over to an IRA or to another eligible qualified plan, no tax penalty will be imposed.

The tax penalty will not apply to the following distributions: (1) distributions made on or after the date on which the Owner or Annuitant (as applicable) reaches age 59 ½; (2) distributions following the death or disability of the Owner or Annuitant (as applicable) (for this purpose "disability" is defined in Section 72(m)(7) of the Code); (3) distributions that are part of a series of substantially equal periodic payments made not less frequently than annually for the life (or life expectancy) of the Owner or Annuitant (as applicable) or the joint lives (or joint life expectancies) of such Owner or Annuitant (as applicable) and his or her designated Beneficiary; (4) distributions to an Owner or Annuitant (as applicable) who has separated from service after he has attained age 55; (5) distributions made to the Owner or Annuitant (as applicable) to the extent such distributions do not exceed the amount allowable as a deduction under Code Section 213 to the Owner or Annuitant (as applicable) for amounts paid during the taxable year for medical care; (6) distributions made to an alternate payee pursuant to a qualified domestic relations order; (7) distributions made on account of an IRS levy upon the qualified Contracts; (8) distributions from an IRA after separation from employment for the purchase of medical insurance (as described in Section 213(d)(1)(D) of the Code) for the Contract Owner or Annuitant (as applicable) and his or her spouse and dependents if the Contract Owner or Annuitant (as applicable) has received unemployment compensation for at least 12 weeks (this exception will no longer apply after the Contract Owner or Annuitant (as applicable) has been re-employed for at least 60 days); (9) distributions from an IRA made to the Owner or Annuitant (as applicable) to the extent such distributions do not

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exceed the qualified higher education expenses (as defined in Section 72(t)(7) of the Code) (as applicable) for the taxable year; (10) distributions from an IRA made to the Owner or Annuitant (as applicable) which are qualified first time home buyer distributions (as defined in Section 72(t)(8) of the Code); and (11) distributions up to $5,000 for a qualified birth or adoption. The exceptions stated in items (4) and (6) above do not apply in the case of an IRA. The exception stated in (3) above applies to an IRA without the requirement that there be a separation from service.

With respect to (3) above, if the series of substantially equal periodic payments is modified before the later of your attaining age 59 ½ or five years from the date of the first periodic payment, then the tax for the year of the modification is increased by an amount equal to the tax which would have been imposed (the 10% penalty tax) but for the exception, plus interest for the tax years in which the exception was used.

Withdrawals of amounts attributable to contributions made pursuant to a salary reduction agreement (in accordance with Section 403(b)(11) of the Code) are limited to the following: when the Owner attains age 59 ½, severs employment, dies, becomes disabled (within the meaning of Section 72(m)(7) of the Code), or in the case of hardship. Hardship withdrawals do not include any earnings on salary reduction contributions. These limitations on withdrawals apply to: (1) salary reduction contributions made after December 31, 1988; (2) income attributable to such contributions; and (3) income attributable to amounts held as of December 31, 1988. The limitations on withdrawals do not affect rollovers or exchanges between certain tax-qualified plans. Tax penalties may also apply. While the foregoing limitations only apply to certain Contracts issued in connection with Section 403(b) plans, all Owners should seek competent tax advice regarding any withdrawals or distributions.

The taxable portion of a withdrawal or distribution from tax-qualified Contracts may, under some circumstances, be "rolled over" into another eligible plan so as to continue to defer income tax on the taxable portion. Such treatment is available for an "eligible rollover distribution" made by certain types of plans (as described above under "Taxes - Withholding Tax on Distributions") that is transferred within 60 days of receipt into another eligible plan or an IRA. Plans making such eligible rollover distributions are also required, with some exceptions specified in the Code, to provide for a direct transfer of the distribution to the transferee plan designated by the recipient.

Amounts received from IRAs may also be rolled over into other IRAs or certain other plans, subject to limitations set forth in the Code.

Prior to the date that annuity payments begin under an annuity Contract, the Required Minimum Distribution rules applicable to defined contribution plans and IRAs will be used. Generally, distributions from a tax-qualified plan or IRA must commence no later than April 1 of the calendar year following the calendar year in which the employee attains the applicable age as noted in the table below or the date of retirement. Required distributions from defined contribution plans and IRAs are determined by dividing the account balance by the appropriate distribution period found in a uniform lifetime distribution table set forth in IRS regulations. For this purpose, the entire interest under an annuity Contract is the account value under the Contract plus the actuarial value of any other benefits such as guaranteed death benefits that will be provided under the Contract.

The triggering age at which you must begin taking distributions under traditional Individual Retirement Annuities and tax-qualified plans change periodically. See below for a table of past age requirements and planned future changes to age requirements for beginning these required minimum distributions.

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| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**If you were born:** | **Your "applicable age" is:** |
| Before July 1, 1949 | 70½ |
| After June 30, 1949 and before 1951 | 72 |
| After 1950 and before 1960 | 73 |
| In 1960 or later | 75 |

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If the sole Beneficiary is the Contract holder's or employee's spouse and the spouse is more than 10 years younger than the employee, a longer distribution period measured by the joint life and last survivor expectancy of the Contract holder employee and spouse is permitted to be used. Distributions under a defined benefit plan or an annuity Contract must be paid in the form of periodic annuity payments for the employee's life (or the joint lives of the employee and Beneficiary) or over a period certain that does not exceed the period under the uniform lifetime table for the employee's age in the year in which the annuity starting date occurs. If you fail to take your full RMD for a year, you are subject to a 25% excise tax on any shortfall. This excise tax may be reduced to 10% if a distribution of the shortfall is made within two years and prior to the date the excise tax is imposed by the IRS.

*Types of Tax-Qualified Plans*

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The Contracts offered herein are designed to be suitable for use under various types of tax-qualified plans. Taxation of participants in each tax-qualified plan varies with the type of plan and terms and conditions of each specific plan. Owners, Annuitants and Beneficiaries are cautioned that benefits under a tax-qualified plan may be subject to the terms and conditions of the plan regardless of the terms and conditions of the Contracts issued pursuant to the plan. Some retirement plans are subject to distribution and other requirements that are not incorporated into Jackson of NY's administrative procedures. Jackson of NY is not bound by the terms and conditions of such plans to the extent such terms conflict with the terms of a Contract, unless Jackson of NY specifically consents to be bound. Owners, Annuitants and Beneficiaries are responsible for determining that contributions, distributions and other transactions with respect to the Contracts comply with applicable law.

A tax-qualified Contract will not provide any necessary or additional tax deferral if it is used to fund a tax-qualified plan that is tax deferred. However, the Contract has features and benefits other than tax deferral that may make it an appropriate investment for a tax-qualified plan. Following are general descriptions of the types of tax-qualified plans with which the Contracts may be used. Such descriptions are not exhaustive and are for general informational purposes only. The tax rules regarding tax-qualified plans are very complex and will have differing applications depending on individual facts and circumstances. Each purchaser should obtain competent tax advice prior to purchasing a Contract issued under a tax-qualified plan.

Contracts issued pursuant to tax-qualified plans include special provisions restricting Contract provisions that may otherwise be available as described herein. Generally, Contracts issued pursuant to tax-qualified plans are not transferable except upon surrender or annuitization. Various penalty and excise taxes may apply to contributions or distributions made in violation of applicable limitations. Furthermore, certain withdrawal penalties and restrictions may apply to surrenders from Tax-Qualified Contracts. (See "Tax Treatment of Withdrawals - Tax-Qualified Contracts" above.)

On July 6, 1983, the Supreme Court decided in *Arizona Governing Committee v. Norris* that benefits provided under an employer's deferred compensation plan could not, under Title VII of the Civil Rights Act of 1964, vary between men and women. The Contracts sold by Jackson of NY in connection with certain Tax-Qualified Plans will utilize tables that do not differentiate on the basis of sex. Such annuity tables will also be available for use in connection with certain non-qualified deferred compensation plans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a) Tax-Sheltered Annuities

Section 403(b) of the Code permits the purchase of "tax-sheltered annuities" by public schools and certain charitable, educational and scientific organizations described in Section 501(c) (3) of the Code. These qualifying employers may make contributions to the Contracts for the benefit of their employees. Such contributions are not included in the gross income of the employee until the employee receives distributions from the Contract. The amount of contributions to the tax-sheltered annuity is limited to certain maximums imposed by the Code. Furthermore, the Code sets forth additional restrictions governing such items as transferability, distributions, non-discrimination and withdrawals. Employee loans are not allowed under these Contracts. Any employee should obtain competent tax advice as to the tax treatment and suitability of such an investment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b) Individual Retirement Annuities

Section 408(b) of the Code permits eligible individuals to contribute to an individual retirement program known as an "individual retirement annuity" ("IRA annuity"). Under applicable limitations, certain amounts may be contributed to an IRA annuity that will be deductible from the individual's gross income. IRA annuities are subject to limitations on eligibility, contributions, transferability and distributions. Sales of IRA annuities are subject to special requirements imposed by the Code, including the requirement that certain informational disclosure be given to persons desiring to establish an IRA. Purchasers of Contracts to be qualified as IRA annuities should obtain competent tax advice as to the tax treatment and suitability of such an investment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c) Roth IRA Annuities

Section 408A of the Code provides that individuals may purchase a non-deductible IRA annuity, known as a Roth IRA annuity. Contribution Premium payments for Roth IRA annuities are limited to a maximum of $7,500 for 2026. The limit may be adjusted annually for inflation in $500 increments. In addition, the Act allows individuals age 50 and older to make additional catch-up IRA contributions. The otherwise maximum contribution limit (before application of adjusted gross income phase-out limits) for an individual who had celebrated his or her 50th birthday before the end of the tax year is increased by $1,000. The same contribution and catch-up contributions are also available for purchasers of Traditional IRA annuities.

Lower maximum limitations apply to individuals above certain adjusted gross income levels. For 2026, these levels are $153,000 in the case of single taxpayers, $242,000 in the case of married taxpayers filing joint returns, and $0 in the case of married taxpayers filing separately.

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Qualified distributions from Roth IRA annuities are free from federal income tax. A qualified distribution requires that the individual has held the Roth IRA annuity for at least five years and, in addition, that the distribution is made either after the individual reaches age 59 ½, on the individual's death or disability, or as a qualified first-time home purchase, subject to a $10,000 lifetime maximum, for the individual, a spouse, child, grandchild, or ancestor. Any distribution that is not a qualified distribution is taxable to the extent of earnings in the distribution. Distributions are treated as made from contributions first and therefore no distributions are taxable until distributions exceed the amount of contributions to the Roth IRA annuity. The 10% penalty tax and the regular IRA annuity exceptions to the 10% penalty tax apply to taxable distributions from Roth IRA annuities.

Amounts may be rolled over from one Roth IRA annuity to another Roth IRA annuity. Furthermore, an individual may make a rollover contribution from a non-Roth IRA annuity to a Roth IRA annuity. The individual must pay tax on any portion of the IRA annuity being rolled over that would be included in income if the distributions were not rolled over. There are no similar limitations on rollovers from one Roth IRA annuity to another Roth IRA annuity. These rules are complicated and purchasers should consult a tax advisor before engaging in Roth Conversions or transfers.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Pension and Profit-Sharing Plans

The Internal Revenue Code permits employers, including self-employed individuals, to establish various types of qualified retirement plans for employees. These retirement plans may permit the purchase of the Contracts to provide benefits under the plan. Contributions to the plan for the benefit of employees will not be included in the gross income of the employee until distributed from the plan. The tax consequences to Owners may vary depending upon the particular plan design. However, the Code places limitations on all plans on such items as amount of allowable contributions; form, manner and timing of distributions; vesting and non-forfeitability of interests; nondiscrimination in eligibility and participation; and the tax treatment of distributions, transferability of benefits, withdrawals and surrenders. Purchasers of Contracts for use with pension or profit sharing plans should obtain competent tax advice as to the tax treatment and suitability of such an investment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(e) Eligible Deferred Compensation Plans -- Section 457

Under Code provisions, employees and independent contractors performing services for state and local governments and other tax-exempt organizations may participate in eligible deferred compensation plans under Section 457 of the Code. The amounts deferred under a Plan that meets the requirements of Section 457 of the Code are not taxable as income to the participant until paid or otherwise made available to the participant or Beneficiary. As a general rule, the maximum amount that can be deferred in any one year is the lesser of 100% of the participant's includable compensation or the $24,500 elective deferral limitation in 2026. The limit is indexed for inflation in $500 increments annually. In addition, the Act allows individuals in eligible deferred compensation plans of state or local governments age 50 and older to make additional catch-up contributions. The otherwise maximum contribution limit for an individual who had celebrated his or her 50th birthday before the end of the tax year is increased by $8,000. For those aged 60-63, the contribution maximum limit is increased by $11,250. The same contribution and catch-up contributions are also available for participants in qualified pension and profit-sharing plans and tax-sheltered annuities under Section 403(b) of the Code.

In limited circumstances, the plan may provide for additional catch-up contributions in each of the last three years before normal retirement age. Furthermore, the Code provides additional requirements and restrictions regarding eligibility and distributions.

All of the assets and income of an eligible deferred compensation plan established by a governmental employer must be held in trust for the exclusive benefit of participants and their beneficiaries. For this purpose, custodial accounts and certain annuity Contracts are treated as trusts. The requirement of a trust does not apply to amounts under a Plan of a tax-exempt (non-governmental) employer. In addition, the requirement of a trust does not apply to amounts under a Plan of a governmental employer if the Plan is not an eligible plan within the meaning of section 457(b) of the Code. In the absence of such a trust, amounts under the plan will be subject to the claims of the employer's general creditors.

In general, distributions from a Plan are prohibited under section 457 of the Code unless made after the participant:

*•* attains age 70½;

•  severs employment;

•  dies; or

•  is faced with an unforeseeable financial emergency as defined in the regulations.

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Under present federal tax law, amounts accumulated in a Plan of a tax-exempt (non-governmental) employer under section 457 of the Code cannot be transferred or rolled over on a tax-deferred basis except for certain transfers to other Plans under Section 457. Amounts accumulated in a Plan of a state or local government employer may be transferred or rolled over to another eligible deferred compensation plan of a state or local government, an IRA, a qualified pension or profit-sharing plan or a tax-sheltered annuity under Section 403(b) of the Code.

**Annuity Provisions**

*Variable Annuity Payment*

The initial annuity payment is determined by taking the Contract Value allocated to that Investment Division, less any premium tax and any applicable Contract charges, and then applying it to the income option table specified in the Contract. The appropriate rate must be determined by the sex (except where, as in the case of certain Qualified Plans and other employer-sponsored retirement plans, such classification is not permitted) and age of the Annuitant and designated second person, if any.

The dollars applied are divided by 1,000 and the result multiplied by the appropriate annuity factor appearing in the table to compute the amount of the first monthly payment. That amount is divided by the value of an Annuity Unit as of the Income Date to establish the number of Annuity Units representing each variable payment. The number of Annuity Units determined for the first variable payment remains constant for the second and subsequent monthly variable payments, assuming that no reallocation of Contract Values is made.

The amount of the second and each subsequent monthly variable payment is determined by multiplying the number of Annuity Units by the Annuity Unit value as of the Business Day next preceding the date on which each payment is due.

The mortality and expense experience will not adversely affect the dollar amount of the variable annuity payments once payments have commenced.

*Annuity Unit Value*

The initial value of an Annuity Unit of each Investment Division was set when the Investment Divisions were established. The value may increase or decrease from one Business Day to the next. The income option tables contained in the Contract are based on a 1.0% per annum assumed investment rate.

The value of a fixed number of Annuity Units will reflect the investment performance of the Investment Divisions elected, and the amount of each payment will vary accordingly.

For each Investment Division, the value of an Annuity Unit for any Business Day is determined by multiplying the Annuity Unit value for the immediately preceding Business Day by the percentage change in the value of an Accumulation Unit from the immediately preceding Business Day to the Business Day of valuation, calculated by use of the Net Investment Factor, described below. The result is then multiplied by a second factor which offsets the effect of the assumed net investment rate of 1.0% per annum.

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**Net Investment Factor**

The net investment factor is an index applied to measure the net investment performance of an Investment Division from one valuation date to the next. The net investment factor for any Investment Division for any valuation period during the accumulation and annuity phases is determined by dividing (a) by (b) and then subtracting (c) from the result where:

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| | | |
|:---|:---|:---|
| (a) | is the net result of: | is the net result of: |
|  | (1) | the net asset value of a Fund's share held in the Investment Division determined as of the valuation date at the end of the valuation period, plus |
|  | (2) | the per share amount of any dividend or other distribution declared by the Fund if the "ex-dividend" date occurs during the valuation period, plus or minus |
|  | (3) | a per share credit or charge with respect to any taxes paid or reserved for by Jackson of NY during the valuation period which are determined by Jackson of NY to be attributable to the operation of the Investment Division (no federal income taxes are applicable under present law); |
| (b) | is the net asset value of the Fund share held in the Investment Division determined as of the valuation date at the end of the preceding valuation period; and | is the net asset value of the Fund share held in the Investment Division determined as of the valuation date at the end of the preceding valuation period; and |
| (c) | is the asset charge factor determined by Jackson of NY for the valuation period to reflect the applicable Core Contract Charge. | is the asset charge factor determined by Jackson of NY for the valuation period to reflect the applicable Core Contract Charge. |

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Also see "Income Payments (The Income Phase)" in the Prospectus.

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**APPENDIX A: FINANCIAL STATEMENTS**

<u>[The financial statements for Depositor (Jackson National Life Insurance Company of New York) and Registrant (JNLNY Separate Account I) are incorporated herein by reference to Registrant's N-VPFS filing, filed on](https://www.sec.gov/Archives/edgar/data/1045032/000104503226000153/nysainvpfs0426.htm)[April 1](https://www.sec.gov/Archives/edgar/data/1045032/000104503226000153/nysainvpfs0426.htm)[5](https://www.sec.gov/Archives/edgar/data/1045032/000104503226000153/nysainvpfs0426.htm)[, 202](https://www.sec.gov/Archives/edgar/data/1045032/000104503226000153/nysainvpfs0426.htm)[6](https://www.sec.gov/Archives/edgar/data/1045032/000104503226000153/nysainvpfs0426.htm)[(File No. 811-08401).](https://www.sec.gov/Archives/edgar/data/1045032/000104503226000153/nysainvpfs0426.htm)</u>

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**PART C**

**OTHER INFORMATION**

**Item 27. Exhibits**

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| | |
|:---|:---|
| Exhibit<br>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 Registration Statement, filed on October 3, 1997 (File Nos. 333-37175 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/0000950124-97-005063.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 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 (N2565 06/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on September 11, 2014 (File Nos. 333-183046 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000092773014000338/sellingagreement.htm)</u> |
| (c)(3) | <u>[Specimen of Fee-Based Product Addendum to Selling Agreement, incorporated herein by reference to Pre-Effective Amendment No. 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>[Form of Trust Distribution Services Addendum to Amended and Restated General Distributor Agreement, incorporated herein by reference to Registrant's Pre-Effective Amendment No. 1, filed on August 29, 2017 (File Nos. 333-217501 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773017000287/trustdistributionservice.htm)</u> |
| (d) | Contracts. |
| (d)(1) | <u>[Specimen](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/va730nyjriacontract.htm)[of Jackson Retirement Investment Variable and Fixed Annuity](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/va730nyjriacontract.htm)[Contract](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/va730nyjriacontract.htm)[(VA730](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/va730nyjriacontract.htm)[NY](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/va730nyjriacontract.htm)[),](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/va730nyjriacontract.htm)[incorporated herein by reference to Registrant](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/va730nyjriacontract.htm)['](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/va730nyjriacontract.htm)[s Registration Statement, filed on Ja](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/va730nyjriacontract.htm)[nuary 22, 2021 (File Nos. 333-252332 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/va730nyjriacontract.htm)</u> |
| (d)(2) | <u>[Form of For Life Guaranteed Minimum Withdrawal Benefit with Step-Up (7782ANY),](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/a7782anyjacksonplusprote.htm)[incorporated herein by reference to Registrant's Registration Statement, filed on January 22, 2021 (File Nos. 333-252332 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/a7782anyjacksonplusprote.htm)</u> |
| (d)(3) | <u>[Form of Return of Premium Guaranteed Minimum Death Benefit (7731NY), incorporated herein by reference to Registrant's Pre-Effective Amendment No. 1, filed on April 10, 2018 (File Nos. 333-217502 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503218000050/a7731ny.htm)</u> |
| (d)(4) | <u>[Form of Section 403(b) Tax Sheltered Annuity Endorsement (7725NY), incorporated herein by reference to Registrant's Post-Effective Amendment No. 15, filed on January 20, 2015 (File Nos. 333-183046 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000092773015000002/seven725ny.htm)</u> |
| (d)(5) | <u>[Specimen of Retirement Plan Endorsement (7275NY), incorporated herein by reference to the Registrant's Registration Statement filed on August 19, 2004 (File Nos. 333-118370 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000092773004000205/retirement7275ny.txt)</u> |
| (d)(6) | <u>[Form of Individual Retirement Annuity Endorsement (ICC18 7715NY), incorporated herein by reference to Registrant's Registration Statement, filed on December 14, 2018 (File Nos. 333-228806 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503218000300/a7715nyira.htm)</u> |
| (d)(7) | <u>[Form of Roth Individual Retirement Annuity Endorsement (ICC18 7716NY), incorporated herein by reference to Registrant's Registration Statement, filed on December 14, 2018 (File Nos. 333-228806 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503218000300/a7716nyrothira.htm)</u> |
| (d)(8) | <u>[Form of Non-Qualified Stretch Annuity Endorsement (7723NY), incorporated herein by reference to Registrant's Post-Effective Amendment No. 9, filed on September 11, 2014 (File Nos. 333-177298 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000092773014000346/endorsement.htm)</u> |
| (d)(9) | <u>[Specimen of Charitable Remainder Trust Endorsement (7487NY), incorporated herein by reference to the Registrant's Pre-Effective Amendment filed on December 30, 2004 (File Nos. 333-119659 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000092773004000323/crt_7487ny.txt)</u> |

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| | |
|:---|:---|
| (d)(10) | <u>[Form of Unisex Contract Endorsement (7763NY), incorporated herein by reference to Registrant's Registration Statement, filed on December 14, 2018 (File Nos. 333-228806 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503218000300/a7763nyunisexcontractend.htm)</u> |
| (e) | Applications. |
| (e)(1) | <u>[Form of Jackson Retirement Investment Variable and Fixed Annuity Application (](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/nvda73004-21final212x18x.htm)[NV](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/nvda73004-21final212x18x.htm)[730 06/21),](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/nvda73004-21final212x18x.htm)[incorporated herein by reference to Registrant](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/nvda73004-21final212x18x.htm)['](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/nvda73004-21final212x18x.htm)[s Registration Statement, filed on January 22, 20](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/nvda73004-21final212x18x.htm)[21 (File Nos. 333-252332 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000003/nvda73004-21final212x18x.htm)</u> |
| (e)(2) | <u>[Form of Jackson Retirement Investment Variable and Fixed Annuity Application (NV730 06/21), incorporated herein by reference to Registrant's Pre-Effective Amendment No. 1, filed on May 14, 2021 (File Nos. 333-252332 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000243/nv73006-2105x06x21modifi.htm)</u> |
| (e)(3) | <u>[Form of Jackson Retirement Investment Variable and Fixed Annuity Application (NV730](http://www.sec.gov/Archives/edgar/data/1045032/000104503222000039/nv73004-22final101x04x22.htm)[04/22), incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 19, 2022 (File Nos. 333-252332 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503222000039/nv73004-22final101x04x22.htm)</u> |
| (e)(4) | <u>[Form of Jackson Retirement Investment Variable and Fixed Annuity Application (NV730 10/24), incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on October 15, 2024 (File Nos. 333-252332 and 811-08401).](https://www.sec.gov/Archives/edgar/data/1045032/000104503224000222/nv73010-24final06x17x24p.htm)</u> |
| (f) | Depositor's Certificate of Incorporation and By-laws. |
| (f)(1) | <u>[Declaration and Charter of Depositor, incorporated herein by reference to Registrant's to the Registrant's Registration Statement filed on October 3, 1997 (File Nos. 333-37175 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/0000950124-97-005063.txt)</u> |
| (f)(2) | <u>[By-laws of Depositor, incorporated herein by reference to the Registrant's Registration Statement filed on October 3, 1997 (File Nos. 333-37175 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/0000950124-97-005063.txt)</u> |
| (f)(3) | <u>[Amended By-Laws of Jackson National Life Insurance Company of New York, incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183046 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503213000052/amendedbylawsjnlny.htm)</u> |
| (g) | Reinsurance Contracts. |
| (g)(1) | <u>[Amendment No. 2 to the Reinsurance Agreement Effective December 31, 2024 between Jackson National Life Insurance Company of New York ("Ceding Company") and Jackson National Life Insurance Company ("Reinsurer"), with effective date December 31, 2024, incorporated by reference to Registrant's Post-Effective Amendment No. 8 filed on April 22, 2025 (File Nos. 333-235566 and 811-08401).](https://www.sec.gov/Archives/edgar/data/1045032/000104503225000050/jny-jnlsecondarreinsuran.htm)</u> |
| (g)(2) | <u>[Amendment No. 28 to the Variable Annuity GMIB Reinsurance Agreement between Jackson National Life Insurance Company of New York and Chubb Tempest Life Reinsurance Ltd., dated January 1, 2003, effective July 1, 2025, incorporated herein by reference to Registrant's Post-Effective Amendment No. 19, filed on April 21, 2026 (File Nos. 333-235566 and 811-08401).](https://www.sec.gov/Archives/edgar/data/1045032/000104503226000158/g4jnlnychubb2003amendmen.htm)</u> |
| (g)(3) | <u>[Amendment No. 26 to the Variable Annuity GMIB Reinsurance Agreement between Jackson National Life Insurance Company of New York and Chubb Tempest Life Reinsurance Ltd., dated March 1, 2005, effective July 1, 2025, incorporated herein by reference to Registrant's Post-Effective Amendment No. 19, filed on April 21, 2026 (File Nos. 333-235566 and 811-08401).](https://www.sec.gov/Archives/edgar/data/1045032/000104503226000158/g5jnlnychubb2005amendmen.htm)</u> |
| (h) | Participation Agreements. Not Applicable. |
| (h)(1)(i) | <u>[Master Fund Participation Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a01exe29_jnlnypartagmnt0.htm)</u> |

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|:---|:---|
| (h)(1)(ii) | <u>[First Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a02ex99h3ii.htm)</u> |
| (h)(1)(iii) | <u>[Second Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a03ex99h3iii.htm)</u> |
| (h)(1)(iv) | <u>[Third Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a04exh13iv_paamendny0424.htm)</u> |
| (h)(1)(v) | <u>[Fourth Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a05exh15v_crmcpartamend0.htm)</u> |
| (h)(1)(vi) | <u>[Fifth Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a06exh12vi_mfpaafis0420.htm)</u> |
| (h)(2)(i) | <u>[Amended and Restated Fund Participation Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a1exh16i_afundspartagmnt.htm)</u> |
| (h)(2)(ii) | <u>[First Amendment to Amended and Restated Fund Participation Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a2exh16ii_afundspartamen.htm)</u> |
| (h)(2)(iii) | <u>[Second Amendment to Amended and Restated Fund Participation Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a3exh14iii_scndamendmfpa.htm)</u> |
| (h)(3)(i) | <u>[Business Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a1afbizagreementfinaljnl.htm)</u> |
| (h)(3)(ii) | <u>[First Amendment to Business Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a2firstamendmenttobusine.htm)</u> |
| (h)(3)(iii) | <u>[Second Amendment to Business Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a3secondamendmenttobusin.htm)</u> |

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|:---|:---|
| (h)(3)(iv) | <u>[Third Amendment to Business Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a4thirdamendmenttobusine.htm)</u> |
| (h)(3)(v) | <u>[Fourth Amendment to Business Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a5fourthamendmenttobusin.htm)</u> |
| (h)(3)(vi) | <u>[Fifth Amendment to Business Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a6fifthamendmenttobusine.htm)</u> |
| (h)(3)(vii) | <u>[Sixth Amendment to Business Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a7sixthamendmenttobusine.htm)</u> |
| (h)(3)(viii) | <u>[Seventh Amendment to Business Agreement between Jackson National Life Insurance Company of New York, 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. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503221000080/a8seventhamendmenttobusi.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, 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/a022024-10x21jnl1stamend.htm)</u> |
| (h)(3)(xiii) | <u>[Fund of Funds Investment Agreement (T. Rowe Price Rule 12d1-4), dated October 21, 2024, 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)</u> |
| (h)(3)(xiv) | <u>[Fund of Funds Investment Agreement (VanEck ETF Trust Rule 12d1-4), dated October 21, 2024, 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)</u> |
| (h)(3)(xv) | <u>[First Amendment to Fund of Funds Investment Agreement (BlackRock Rule 12d1-4), effective October 21, 2024, 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)</u> |
| (h)(3)(xvi) | <u>[Fund of Funds Investment Agreement (Cohen & Steers Rule 12d1-4), dated October 23, 2025, incorporated herein by reference to Registrant's Post-Effective Amendment No. 19, filed on April 21, 2026 (File Nos. 333-235565 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773026000181/h3xvicohensteersfundoffu.htm)</u> |
| (h)(3)(xvii) | <u>[First Amendment to Fund of Funds Investment Agreement (DoubleLine ETF Trust Rule 12d1-4), effective July 22, 2025, incorporated herein by reference to Registrant's Post-Effective Amendment No. 19, filed on April 21, 2026 (File Nos. 333-235565 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773026000181/h3xviidoublelineamendmen.htm)</u> |

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|:---|:---|
| (h)(3)(xviii) | <u>[Amended and Restated Fund of Funds Investment Agreement (Fidelity Rule 12d1-4), dated June 5, 2025, incorporated herein by reference to Registrant's Post-Effective Amendment No. 19, filed on April 21, 2026 (File Nos. 333-235565 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773026000181/h3xviiifidelityamendedan.htm)</u> |
| (h)(3)(xix) | <u>[Fund of Funds Investment Agreement (First Trust Exchange Rule 12d1-4), dated October 23, 2025, incorporated herein by reference to Registrant's Post-Effective Amendment No. 19, filed on April 21, 2026 (File Nos. 333-235565 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773026000181/h3xixfirsttrustfundoffun.htm)</u> |
| (h)(3)(xx) | <u>[Fund of Funds Investment Agreement (Lazard Rule 12d1-4), dated October 23, 2025, incorporated herein by reference to Registrant's Post-Effective Amendment No. 19, filed on April 21, 2026 (File Nos. 333-235565 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773026000181/h3xxlazardfundoffundsagr.htm)</u> |
| (h)(3)(xxi) | <u>[Fund of Funds Investment Agreement (PIMCO ETF Trust and PIMCO Equity Series Rule 12d1-4), effective February 25, 2026, incorporated herein by reference to Registrant's Post-Effective Amendment No. 19, filed on April 21, 2026 (File Nos. 333-235565 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773026000181/h3xxipimcofundoffundsagr.htm)</u> |
| (h)(3)(xxii) | <u>[First Amendment to Fund of Funds Investment Agreement (Vanguard Fund Rule 12d1-4), effective February 25, 2026, incorporated herein by reference to Registrant's Post-Effective Amendment No. 19, filed on April 21, 2026 (File Nos. 333-235565 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773026000181/h3xxiivanguardamendmento.htm)</u> |
| (h)(2)(xxiii) | <u>[Eighth Amendment to the Master Fund Participation Fund Agreement between Jackson National Life Insurance Company of New York, American Funds Insurance Series, and Capital Research and Management Company, dated May 1, 2010, effective April 27, 2026, incorporated herein by reference to Registrant's Post-Effective Amendment No. 10, filed on April 21, 2026 (File Nos. 333-235566 and 811-08401).](https://www.sec.gov/Archives/edgar/data/1045032/000104503226000158/h3xxiiijnlnyparticipatio.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 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> |
| (i)(2) | <u>[Administrative Services Agreement between Jackson National Life Insurance Company and Jackson National Life Insurance Company of New York, dated November 3, 1997, incorporated herein by reference to Registrant's Post-Effective Amendment No. 5, filed on April 23, 2024 (File Nos. 333-235566 and 811-08401).](http://www.sec.gov/Archives/edgar/data/1045032/000104503224000043/a1997-11x03jacksonxjnyad.htm)</u> |
| (j) | Other Material Contracts. Not applicable. |
| (k) | Legal Opinion. |
| (k)(1) | Opinion and Consent of Counsel, attached hereto. |
| (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. Not Applicable. |
| (p) | Power of Attorney. |

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|:---|:---|
| (p)(1) | <u>[Power of Attorney, incorporated herein by reference to Post-Effective Amendment No. 2, filed on April 21, 2026 (File No. 333-285257).](https://www.sec.gov/Archives/edgar/data/1128415/000112841526000066/p1nypowerofattorney4-14x.htm)</u> |
| (q) | Letter Regarding Change in Certifying Accountant. Not Applicable. |
| (r) | Historical Current Limits on Index Gains. Not Applicable.  |
| Item 29 | <u>[Organizational Chart, incorporated herein by reference to Exhibit 29 of Post-Effective Amendment No. 2, filed on April 21, 2026 (File No. 333-285253).](https://www.sec.gov/Archives/edgar/data/2047976/000204797626000115/item2904-01x2026organiza.htm)</u> |

---

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

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| | |
|:---|:---|
| Name and Principal Business Address | Positions and Offices with Jackson National Life Insurance Company of New York |
| Patrick G. Boyle<br>1 Corporate Way<br>Lansing, MI 48951 | Director |
| Nancy F. Heller<br>1 Corporate Way<br>Lansing, MI 48951 | Director and Chair |
| Robert K. Butler<br>300 Innovation Drive<br>Franklin, TN 37067 | Director  |
| Byron P. Thompson<br>1 Corporate Way<br>Lansing, MI 48951 | Director |
| David S. Berkowitz<br>1 Corporate Way<br>Lansing, MI 48951 | Director |
| Laura L. Prieskorn<br>1 Corporate Way<br>Lansing, MI 48951 | President and Chief Executive Officer |
| Don W. Cummings<br>1 Corporate Way <br>Lansing, MI 48951 | Executive Vice President and Chief Financial Officer |
| Savvas P. Binioris<br>1 Corporate Way<br>Lansing, MI 48951 | Executive Vice President, Chief Risk Officer, and Director |
| 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 |

---

------

---

| | |
|:---|:---|
| Laura L. Hanson<br>1 Corporate Way<br>Lansing, MI 48951 | Executive Vice President, Operations and Technology Services |
| Alison R. Reed<br>7601 Technology Drive<br>Denver, CO 80237 | Executive Vice President and Head of Distribution |
| 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 |
| Michael R. Hicks<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Chief Information Officer |
| Thomas A. Janda<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President and Chief Human Resources Officer |
| Joshua K. Richardson<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Litigation, Employment, Investigations, and Legal Operations |
| 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 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 |

---

------

---

| | |
|:---|:---|
| Barrett M. Bonemer<br>1 Corporate Way<br>Lansing, MI 48951 | Head of Internal Audit |
| Marina C. Ashiotou<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Vice President |
| 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 |
| Andrew Campbell<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Hilary R. Cranmore<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Frank G. D'Amuro<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Lauren B. Dunn<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President, Corporate Legal |
| 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 |
| 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 |
| Deidre J. Kosier<br>1Corporate Way<br>Lansing, MI 48951 | Vice President |
| 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 |
| Angela M. Matthews<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Ryan T. Mellott<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Layton Meng<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Stefan C. Ott<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 |
| 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 |
| Srikant Vatturi Venkata Satya<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President, Asset Liability Management |
| Brooke L. Thorne<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| John A. Vandercruyssen<br>1 Corporate Way<br>Lansing, MI 58951 | Vice President, Assistant Controller |

---

------

---

| | |
|:---|:---|
| Amit Vashisht<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| John F. Visicaro<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Lisa A. Wegehaupt<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |

---

**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 of New York ("Depositor"), a stock life insurance company organized under the laws of the state of New York. The Depositor is a wholly owned subsidiary of Jackson National Life Insurance Company and is ultimately 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.

<u>[The organizational chart for Jackson Financial Inc. is](https://www.sec.gov/Archives/edgar/data/2047976/000204797626000115/item2904-01x2026organiza.htm)[incorporated herein by reference to Exhibit 29 of Post-Effective Amendment No. 2, filed on April 2](https://www.sec.gov/Archives/edgar/data/2047976/000204797626000115/item2904-01x2026organiza.htm)[1](https://www.sec.gov/Archives/edgar/data/2047976/000204797626000115/item2904-01x2026organiza.htm)[, 2026 (File No. 333-285253).](https://www.sec.gov/Archives/edgar/data/2047976/000204797626000115/item2904-01x2026organiza.htm)</u>

**Item 30. Indemnification**

Provision is made in the Company's By-Laws for indemnification by the Company of any person made or threatened to be made a party to an action or proceeding, whether civil or criminal by reason of the fact that he or she is or was a director, officer or employee of the Company or then serves or has served any other corporation in any capacity at the request of the Company, against expenses, judgments, fines and amounts paid in settlement to the full extent that officers and directors are permitted to be indemnified by the laws of the State of New York.

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**

(a)&nbsp;&nbsp;&nbsp;&nbsp;Jackson National Life Distributors LLC acts as general distributor for the JNLNY Separate Account I. Jackson National Life Distributors LLC also acts as general distributor for the Jackson National Separate Account - I, the Jackson National Separate Account III, the Jackson National Separate Account IV, the Jackson National Separate Account V, 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.

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

Name and Business Address Positions and Offices with Underwriter <br>

------

---

| | |
|:---|:---|
| Savvas P. Binioris<br>1 Corporate Way<br>Lansing, MI 48951 | Manager |
| Hilary Cranmore<br>1 Corporate Way<br>Lansing, MI 48951 | Manager |
| Marina C. Ashiotou<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Manager |
| Garett J. Childs<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Manager |
| Alison Reed<br>300 Innovation Drive<br>Franklin, TN 37067 | Executive Vice President, Head of Distribution, Manager, and Chair |
| Kevin Luebbers<br>300 Innovation Drive<br>Franklin, TN 37067 | Head of Sales |
| Brian Sward<br>300 Innovation Drive<br>Franklin, TN 37067 | Head of Product Solutions |
| Robert Butler<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President, National Sales Manager, Indy |
| 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 |
| 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 |

---

------

---

| | |
|:---|:---|
| Brian Nicolarsen<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President, National Sales Manager, BWA |
| 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 |
| 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 |
| Michael Cobianchi<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 |
| Matt Ohme<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| 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 |

---

&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 |

---

**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

Jackson National Life Insurance Company

300 Innovation Drive

Franklin, TN 37067

Jackson National Life Insurance Company

225 West Wacker Drive, Suite 1200

&nbsp;&nbsp;&nbsp;&nbsp;Chicago, IL 60606

**Item 33. Management Services**

&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable.

**Item 34. Fee Representations**

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

------

**SIGNATURES**

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 23rd day of April, 2026.

JNLNY Separate Account I

(Registrant)

Jackson National Life Insurance Company of New York

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

Scott J. Golde

Senior Vice President, General Counsel

Jackson National Life Insurance Company of New York

(Depositor)

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

Scott J. Golde

Senior Vice President, General Counsel

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities and on the dates indicated.

---

| | |
|:---|:---|
| \* | April 23, 2026 |
| Laura L. Prieskorn, President and Chief Executive Officer |  |
| \* | April 23, 2026 |
| Don W. Cummings, Executive Vice President and Chief Financial Officer |  |
| \* | April 23, 2026 |
| Craig A. Anderson, Senior Vice President and Controller |  |
| \* | April 23, 2026 |
| Barrett M. Bonemer, Vice President and Director |  |
| \* | April 23, 2026 |
| Scott E. Romine, Executive Vice President, Chair, and Director |  |
| \* | April 23, 2026 |
| Robert K. Butler, Director |  |
| \* | April 23, 2026 |
| Byron P. Thompson, Director |  |

---

------

---

| | |
|:---|:---|
| **\*** | April 23, 2026 |
| Patrick G. Boyle, Director |  |
| \* | April 23, 2026 |
| Nancy F. Heller, Director |  |
| \* | April 23, 2026 |
| David S. Berkowitz, Director |  |
| \* | April 23, 2026 |
| Hilary R. Cranmore, Director |  |

---

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

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

pursuant to Power of Attorney filed herewith.

------

**EXHIBIT LIST**

---

| | |
|:---|:---|
| Exhibit No. | Description |
| (k)(1) | Opinion and Consent of Counsel. |
| (l)(1) | Consent of Independent Registered Public Accounting Firm. |

---

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

![jnllogo-updatedjuly2021.jpg](jnllogo-updatedjuly2021.jpg)

April 23, 2026

Board of Directors

Jackson National Life Insurance Company of New York

2900 Westchester Avenue

Purchase, NY 10577

Re: Jackson National Life Insurance Company of New York ("Jackson of New York")<br>JNLNY Separate Account I<br>File Nos. 333-252332 and 811-08401

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. 6 to the Registration Statement on Form N-4 for the Flexible Premium Variable and Fixed Deferred Annuity Contracts (the "Contracts") to be issued by Jackson National Life Insurance Company of New York and its separate account, JNLNY Separate Account I. Legal services in connection with this opinion are provided pursuant to the Administrative Services Agreement between Jackson National Life Insurance Company and Jackson of New York.

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. JNLNY 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 premium payments 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.<br>

You may use this opinion letter, or a copy thereof, as an exhibit to Post-Effective Amendment No. 6 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)

![](nycombinedapril2026conse001.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 its subsidiaries are part 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, 2026, with respect to the financial statements of the Investment Divisions of JNLNY 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 April 17, 2026

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![](nycombinedapril2026conse002.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 its subsidiaries are part of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by guarantee. Consent of Independent Auditors We consent to the use of our report dated March 27, 2026, with respect to the financial statements of Jackson National Life Insurance Company of New York, 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 April 17, 2026

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