# EDGAR Filing Document

**Accession Number:** 0000927730
**File Stem:** 0000927730-25-000474
**Filing Date:** 2025-7
**Character Count:** 64104
**Document Hash:** 765644c974ae753fa6126df0f38b8061
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000927730-25-000474.hdr.sgml**: 20250718

**ACCESSION NUMBER**: 0000927730-25-000474

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 15

**FILED AS OF DATE**: 20250718

**DATE AS OF CHANGE**: 20250718

**EFFECTIVENESS DATE**: 20250721

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-08664
- **FILM NUMBER:** 251134070

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

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

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

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

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

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-235565
- **FILM NUMBER:** 251134069

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

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

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

## Series and Classes Contracts Data

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

| Class ID   | Class Name      | Ticker Symbol   |
|:---|:---|:---|
| C000218277 | Elite Access II |  |

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

Commission File Nos. 333-235565

811-08664

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM N-4**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | | |
|:---|:---|:---|
| REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 | REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 | [ ] |
| | Pre-Effective Amendment No. | [ ] |
| | Post-Effective Amendment No. **15** | [X] |
| and/or | and/or | and/or |

---

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

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| | |
|:---|:---|
| Amendment No. **968** | [X] |

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**JACKSON NATIONAL SEPARATE ACCOUNT - I**

(Exact Name of Registrant)

**JACKSON NATIONAL LIFE INSURANCE COMPANY**

(Name of Depositor)

1 Corporate Way, Lansing, Michigan 48951

(Address of Depositor's Principal Executive Offices)

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

Scott J. Golde, Esq., Senior Vice President, 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

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

---

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

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**Supplement Dated July 21, 2025**

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

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

**Issued by**

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

**Jackson National Separate Account - I**

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

Effective July 21, 2025 your prospectus is revised to update disclosures relating to the maximum issue age. Your prospectus is revised as follows:

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

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

______________________________

(To be used with JMV23537 04/25)

Page 1 of 1

VPS00102 07/25

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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 Post-Effective Amendment No. 9 filed on April 21, 1999 (File Nos. 033-82080 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/0000927730-99-000014.txt)</u> |
| (b) | Custodian Agreements. Not Applicable. |
| (c) | Underwriting Contracts. |
| (c)(1) | <u>[Amended and Restated General Distributor Agreement dated June 1, 2006, incorporated herein by reference to the Registrant's Registration Statement filed on August 10, 2006 (File Nos. 333-136472 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773006000256/distagmt606.txt)</u> |
| (c)(2) | <u>[Specimen of Selling Agreement (V2565 06/14), incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on September 11, 2014 (File Nos. 333-183048 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773014000336/sellingagreement.htm)</u> |
| (d) | Contracts. |
| (d)(1) | <u>[Specimen of Individual Deferred Variable and Fixed Annuity Contract with Market Value Adjustment (ICC19 VA670), incorporated herein by reference to Registrant's Registration Statement, filed on December 18, 2019 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773019000572/eliteaccessiicontractva6.htm)</u> |
| (d)(2) | <u>[Specimen of Individual Deferred Variable Annuity Contract (ICC19 VA680), incorporated herein by reference to Registrant's Registration Statement, filed on December 18, 2019 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773019000572/eaiiwithliquidityva680.htm)</u> |
| (d)(3) | <u>[Form of Section 403(b) Tax Sheltered Annuity Endorsement (ICC14 7725), incorporated herein by reference to Registrant's Post-Effective Amendment No. 16, filed on January 20, 2015 (File Nos. 333-183048 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773015000004/seven725.htm)</u> |
| (d)(4) | <u>[Specimen of Retirement Plan Endorsement (7246), incorporated herein by reference to the Registrant's Pre-Effective Amendment No. 1 filed on December 19, 2001 (File Nos. 333-70472 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000093369101500191/retirement_endorse.txt)</u> |
| (d)(5) | <u>[Form of Individual Retirement Annuity Endorsement (ICC18 7715), incorporated herein by reference to Registrant's Registration Statement, filed on December 14, 2018 (File Nos. 333-228801 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773018000514/a7715ira.htm)</u> |
| (d)(6) | <u>[Form of Roth Individual Retirement Annuity Endorsement (ICC18 7716), incorporated herein by reference to Registrant's Registration Statement, filed on December 14, 2018 (File Nos. 333-228801 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773018000514/a7716rothira.htm)</u> |
| (d)(7) | <u>[Form of Non-Qualified Stretch Annuity Endorsement (ICC14 7723), incorporated herein by reference to Registrant's Post-Effective Amendment No. 9, filed on September 11, 2014 (File Nos. 333-176619 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773014000344/endorsement.htm)</u> |
| (d)(8) | <u>[Specimen of Charitable Remainder Trust Endorsement (7487), incorporated herein by reference to the Registrant's Pre-Effective Amendment 1, filed on December 23, 2004 (File Nos. 333-118368 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773004000318/crt7487.txt)</u> |
| (d)(9) | <u>[Form of Unisex Contract Endorsement (ICC18 7763), incorporated herein by reference to Registrant's Registration Statement, filed on December 18, 2019 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773019000572/icc187763unisexendorseme.htm)</u> |
| (d)(10) | <u>[Form of Return of Premium Guaranteed Minimum Death Benefit (ICC17 7731), incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on September 19, 2017 (File Nos. 333-217500 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773017000286/icc177731payii.htm)</u> |
| (d)(11) | <u>[Form of Earnings Protection Guaranteed Minimum Death Benefit (ICC18 7759), incorporated herein by reference to Registrant's Registration Statement, filed on December 14, 2018 (File Nos. 333-228801 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773018000514/a7759earningsmax.htm)</u> |

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| | |
|:---|:---|
| (d)(12) | <u>[F](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/d12icc247815final09-20x2.htm)[orm of Guaranteed Minimum Accumulation Benefit (ICC24](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/d12icc247815final09-20x2.htm)[7815),](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/d12icc247815final09-20x2.htm)[incorporate](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/d12icc247815final09-20x2.htm)[d 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/d12icc247815final09-20x2.htm)[.](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/d12icc247815final09-20x2.htm)</u> |
| (e) | Applications. |
| (e)(1) | <u>[Form of the Elite Access II Individual Variable and Fixed Annuity Application (V670 04/20), incorporated herein by reference to Registrant's Registration Statement, filed on December 18, 2019 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773019000572/v6700420112519applicatio.htm)</u> |
| (e)(2) | <u>[Form of the Elite Access II Individual Variable and Fixed Annuity Application (V670 04/20), incorporated herein by reference to Registrant's Pre-Effective Amendment No. 1, filed on April 10, 2020 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773020000185/v6700420application.htm)</u> |
| (e)(3) | <u>[Form of the Elite Access II Individual Variable and Fixed Annuity Application (V670 04/21),](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/v67004-2102x09x21applica.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664)](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/v67004-2102x09x21applica.htm)[.](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/v67004-2102x09x21applica.htm)</u> |
| (e)(4) | <u>[Form of the Elite Access II Individual Variable and Fixed Annuity Application (V670 04/22),](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/v67004-22final101x04x22e.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No.](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/v67004-22final101x04x22e.htm)[7](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/v67004-22final101x04x22e.htm)[, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/v67004-22final101x04x22e.htm)</u> |
| (e)(5) | <u>[F](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/e6v67010-24prelimfinal07.htm)[orm of the Elite Access II](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/e6v67010-24prelimfinal07.htm)[Individual Variable and Fixed Annuity Application (V670 10/2](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/e6v67010-24prelimfinal07.htm)[4),](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/e6v67010-24prelimfinal07.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on October 15, 2024 (File Nos. 333-235565 and 811-08664)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/e6v67010-24prelimfinal07.htm)[.](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/e6v67010-24prelimfinal07.htm)</u> |
| (f) | Depositor's Certificate of Incorporation and By-laws. |
| (f)(1) | <u>[Articles of Incorporation of Depositor, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 3 filed on April 30, 1996 (File Nos. 033-82080 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/0000950124-96-001875.txt)</u> |
| (f)(2) | <u>[By-laws of Depositor, incorporated herein by reference to the Registrant's Post-Effective Amendment No. 3 filed on April 30, 1996 (File Nos. 033-82080 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/0000950124-96-001875.txt)</u> |
| (f)(3) | <u>[Amended By-laws of Jackson National Life Insurance Company, incorporated herein by reference to the Registration Statement, filed on December 31, 2012 (File Nos. 333-185768 and 811-04405).](http://www.sec.gov/Archives/edgar/data/776991/000077699112000048/amendedbylaws.htm)</u> |
| (g) | Reinsurance Contracts. |
| (g)(1) | <u>[Variable Annuities Funds Withheld Coinsurance Agreement between Jackson National Life Insurance Company and Brooke Life Reinsurance Company, dated January 1, 2024, incorporated herein by reference to Registrant's Post-Effective Amendment No. 10, filed on April 23, 2024 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773024000061/jnl_brookerevafundswithh.htm)</u> |
| (h) | Participation Agreements. |
| (h)(1)(i) | <u>[Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, and Capital Research and Management Company, dated May 1, 2010, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a1exe28_jnlpartagmnt0501.htm)</u> |
| (h)(1)(ii) | <u>[First Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, and Capital Research and Management Company, dated January 18, 2012, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a2ex99h2ii.htm)</u> |
| (h)(1)(iii) | <u>[Second Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, Capital Research and Management Company, and Jackson National Asset Management, LLC, dated December 31, 2014, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a3ex99h2iii.htm)</u> |

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| | |
|:---|:---|
| (h)(1)(iv) | <u>[Third Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, and Capital Research and Management Company, dated April 24, 2017, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a4exh12iv_paamendjnl0424.htm)</u> |
| (h)(1)(v) | <u>[Fourth Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, and Capital Research and Management Company, dated August 13, 2018, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a5exh14v_crmcpartamend08.htm)</u> |
| (h)(1)(vi) | <u>[Fifth Amendment to Master Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, American Funds Insurance Series, and Capital Research and Management Company, dated April 27, 2020, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a6exh11vi_mfpaamendafisx.htm)</u> |
| (h)(2)(i) | <u>[Amended and Restated Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, Jackson National Asset Management, LLC, American Funds Insurance Series, Capital Research and Management Company, and American Funds Service Company, dated June 8, 2017, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a1exh15i_afundspartagmnt.htm)</u> |
| (h)(2)(ii) | <u>[First Amendment to Amended and Restated Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, Jackson National Asset Management, LLC, American Funds Insurance Series, Capital Research and Management Company, and American Funds Service Company, dated September 25, 2017, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a2exh15ii_afundspartamen.htm)</u> |
| (h)(2)(iii) | <u>[Second Amendment to Amended and Restated Fund Participation Agreement between Jackson National Life Insurance Company, JNL Series Trust, Jackson National Asset Management, LLC, American Funds Insurance Series, Capital Research and Management Company, and American Funds Service Company, dated April 27, 2020, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a3exh13iii_mfpascdamndaf.htm)</u> |
| (h)(3)(i) | <u>[Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated May 1, 2010, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a1afbizagreementfinal.htm)</u> |
| (h)(3)(ii) | <u>[First Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated February 1, 2012, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a2jnl1stamendtobizagmnt.htm)</u> |
| (h)(3)(iii) | <u>[Second Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated April 30, 2012, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a3jnl2ndamendtobizagmnt_.htm)</u> |
| (h)(3)(iv) | <u>[Third Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated March 1, 2013, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a4businessagreementjnl-t.htm)</u> |
| (h)(3)(v) | <u>[Fourth Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated April 24, 2017, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a5businessagreementjnl-f.htm)</u> |
| (h)(3)(vi) | <u>[Fifth Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated August 13, 2018, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a6jnlbusinessagreement-f.htm)</u> |

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| | |
|:---|:---|
| (h)(3)(vii) | <u>[Sixth Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated April 27, 2020, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a7jnlbusinessagreement-s.htm)</u> |
| (h)(3)(viii) | <u>[Seventh Amendment to Business Agreement between Jackson National Life Insurance Company, Jackson National Life Distributors, LLC, American Funds Distributors, Inc., and Capital Research and Management Company, dated April 26, 2021, incorporated herein by reference to Registrant's Post-Effective Amendment No. 1, filed on April 20, 2021 (File Nos. 333-235565 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773021000116/a8jnlbusinessagreement-s.htm)</u> |
| (h)(3)(ix) | <u>[Fund of Funds Investment Agreement (American Funds) dated January 19, 2022,](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/exh3ixinvagmtafis.htm)[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 (BlackRock 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,](http://www.sec.gov/Archives/edgar/data/927730/000092773022000049/exh3xiinvagmtvanguard.htm)[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>[F](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[irst Amendment](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[to Fund of Funds Investment Agreement](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[(American Funds)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[effective October 2](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[1,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[2024](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on October 15, 2024 (File Nos. 333-235565 and 811-08664)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)[.](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a022024-10x21jnl1stamend.htm)</u> |
| (h)(3)(xiii) | <u>[F](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jacksonnation.htm)[und of Funds Investment Agreement (T. Rowe Price Rule 12d1-4), dated October 21, 2024,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jacksonnation.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on October 15, 2024 (File Nos. 333-235565 and 811-08664)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jacksonnation.htm)[.](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jacksonnation.htm)</u> |
| (h)(3)(xiv) | <u>[F](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jnlfundoffund.htm)[und of Funds Investment Agreement (VanEck ETF Trust Rule 12d1-4), dated October 21, 2024,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jnlfundoffund.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on October 15, 2024 (File Nos. 333-235565 and 811-08664)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jnlfundoffund.htm)[.](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21jnlfundoffund.htm)</u> |
| (h)(3)(xv) | <u>[First Amendment to Fund of Funds Investment Agreement (](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)[Black](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)[R](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)[ock Rule 12d1-4](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)[)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)[,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)[effective October 21, 2024,](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)[incorporated herein by reference to Registrant's Post-Effective Amendment No. 13, filed on October 15, 2024 (File Nos. 333-235565 and 811-08664)](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)[.](https://www.sec.gov/Archives/edgar/data/927730/000092773024000325/a2024-10x21updatedschedu.htm)</u> |
| (i) | Administrative Contracts. |
| (i)(1) | <u>[Amended and Restated Administrative Services Agreement between Jackson National Asset Management, LLC and Jackson National Life Insurance Company, incorporated herein by reference to Registrant's Post-Effective Amendment No. 4, filed on April 23, 2013 (File Nos. 333-183048 and 811-08664).](http://www.sec.gov/Archives/edgar/data/927730/000092773013000080/servicingagreement.htm)</u> |
| (j) | Other Material Contracts. Not Applicable. |
| (k) | Legal Opinion. |
| (k)(1) | Opinion and Consent of Counsel, attached hereto. |
| (l) | Other Opinions. |
| (l)(1) | Consent of Independent Registered Public Accounting Firm, attached hereto. |
| (m) | Omitted Financial Statements. Not Applicable. |
| (n) | Initial Capital Agreements. Not Applicable. |
| (o) | Form of Initial Summary Prospectus. |

---

------

---

| | |
|:---|:---|
| (o)(1) | <u>[Form of Initial Summary Prospectus,](https://www.sec.gov/Archives/edgar/data/927730/000092773025000076/jnleliteaccessiiinitialsum.htm)[incorporated herein by reference to Registrant's Post](https://www.sec.gov/Archives/edgar/data/927730/000092773025000076/jnleliteaccessiiinitialsum.htm)[-Effec](https://www.sec.gov/Archives/edgar/data/927730/000092773025000076/jnleliteaccessiiinitialsum.htm)[tive Amendment No.](https://www.sec.gov/Archives/edgar/data/927730/000092773025000076/jnleliteaccessiiinitialsum.htm)[14, filed on April 22, 2025 File](https://www.sec.gov/Archives/edgar/data/927730/000092773025000076/jnleliteaccessiiinitialsum.htm)[Nos. 333-235565 and 811-08664).](https://www.sec.gov/Archives/edgar/data/927730/000092773025000076/jnleliteaccessiiinitialsum.htm)</u> |
| Item 29. | Organizational Chart, attached hereto. |

---

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

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

---

------

---

| | |
|:---|:---|
| Laura L. Hanson<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Operations |
| Michael R. Hicks<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Chief Information Officer |
| Dana S. Rapier<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Chief Human Resources Officer |
| Joshua K. Richardson<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President |
| Dean R. Scott<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Corporate Development and Treasury |
| Lin L. Sun<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Senior Vice President and Chief Actuary |
| Brian M. Walta<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, Planning and Asset Liability Management |
| Elizabeth A. Werner<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President |
| Richard C. White<br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President |
| Marina C. Ashiotou<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Vice President |
| Dennis A. Blue<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Ellen J. Bode<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President, Appointed Actuary |
| Robert Boles<br>225 W. Wacker Drive<br>Suite 1200<br>Chicago, IL 60606 | Vice President |
| Barrett M. Bonemer<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Pamela L. Bottles<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |

---

------

---

| | |
|:---|:---|
| Andrew R. Campbell <br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Hilary R. Cranmore<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Lauren B. Dunn<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Joseph K. Garrett<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Margaret C. Garza<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Robert W. Hajdu<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Thomas A. Janda<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Heidi L. Kaiser<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President, Chief Compliance Officer, Separate Accounts Chief Compliance Officer, Advertising Officer, and Anti-Money Laundering Compliance Officer |
| Diedre J. Kosier<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Darren T. Kramer<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Efthimios Lekas<br>225 W. Wacker Dr. <br>Suite 1200<br>Chicago, IL 60606 | Vice President |
| David J. Linehan<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Lisa A. Lubahn<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Aaron T. Maguire<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Ryan T. Mellott<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Stefan C. Ott<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |

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------

---

| | |
|:---|:---|
| Joshua K. Richardson<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Kristan L. Richardson<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President and Assistant Secretary |
| Danielle E. Robinson<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| James A. Schultz<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President and Treasurer |
| Muhammad S. Shami<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Brooke Thorne<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| John A. Vandercruyssen<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President, Assistant Controller |
| Srikant Vatturi Venkata Satya<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President, Asset Liability Management |
| John F. Visicaro<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |

---

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

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

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

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

**Item 30. Indemnification**

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

Insofar as indemnification for liabilities arising under the Securities Act of 1933 ("Act") may be permitted to directors, officers and controlling persons of the Company pursuant to the foregoing provisions, or otherwise, the Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against liabilities (other than the payment by the Company of

------

expenses incurred or paid by a director, officer or controlling person of the Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Company will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

**Item 31. Principal Underwriter**

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

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

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| | |
|:---|:---|
| Name and Business Address | Positions and Offices with Underwriter |
| Scott Romine<br>300 Innovation Drive<br>Franklin, TN 37067 | President, Chief Executive Officer, Chair and Manager |
| Hilary Cranmore<br>1 Corporate Way<br>Lansing, MI 48951 | Manager |
| Savvas P. Binioris<br>1 Corporate Way<br>Lansing, MI 48951 | Manager |
| Alison Reed<br>300 Innovation Drive<br>Franklin, TN 37067 | Chief Product Development and Strategy Execution Officer |
| Lauren L. Caputo<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Ashley S. Golson<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President, National Sales Desk and Distribution Intelligence |
| Aileen Herndon<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Heidi Kaiser <br>1 Corporate Way<br>Lansing, MI 48951 | Senior Vice President, General Counsel & Anti-Money Laundering Compliance Officer |
| Matt Lemieux<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Kevin Luebbers<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |

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------

---

| | |
|:---|:---|
| Greg Masucci<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Kimberly Plyer<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Tom Smith<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Myles Womack<br>300 Innovation Drive<br>Franklin, TN 37067 | Senior Vice President |
| Tim Munsie<br>300 Innovation Drive<br>Franklin, TN 37067 | Head of IPA, Platform Distribution and Planning |
| Brian Sward<br>300 Innovation Drive<br>Franklin, TN 37067 | Head of Product Solutions |
| Ty Anderson<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Lisa Backens<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Mercedes Biretto<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Chris Bogren<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| J. Edward Branstetter, Jr.<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Robert Butler<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Chardae Hawley<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Yesenia Lankford<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Kristine Lowry<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President, FinOp & Controller |

---

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---

| | |
|:---|:---|
| Dana R. Malesky Flegler<br>1 Corporate Way<br>Lansing, MI 48951 | Vice President |
| Bob McAllister<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Brian Nicolarsen<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President, Divisional and HPW Sales Manager |
| Matt Ohme<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Joseph C. Pierce<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| David Russell<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Molly Stevens<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Jeremy Swartz<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Michelle Tidey<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Kendall Wetzel<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Darweshi Whitfield<br>300 Innovation Drive<br>Franklin, TN 37067 | Vice President |
| Ryan Lupton<br>300 Innovation Drive<br>Franklin, TN 37067 | Chief Compliance Officer |
| Kristan L. Richardson<br>1 Corporate Way<br>Lansing, MI 48951 | Secretary |

---

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

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

---

**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

Chicago, IL 60606

**Item. 33. Management Services**

Not Applicable.

**Item. 34. Fee Representations**

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

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**SIGNATURES**

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

Jackson National Separate Account - I

(Registrant)

Jackson National Life Insurance Company

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

Scott J. Golde

Senior Vice President, General Counsel

Jackson National Life Insurance Company

(Depositor)

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

Scott J. Golde

Senior Vice President, General Counsel

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

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

---

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

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

pursuant to Power of Attorney filed herewith.

------

**POWER OF ATTORNEY**

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

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

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

---

---

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

---

---

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

---

---

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

---

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**EXHIBIT LIST**

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

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

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

July 18, 2025

Board of Directors

Jackson National Life Insurance Company

1 Corporate Way

Lansing, MI 48951

Re: Jackson National Life Insurance Company<br>Jackson National Separate Account - I<br>File Nos. 333-235565 and 811-08664

Directors:

You have requested our Opinion of Counsel in connection with the filing with the Securities and Exchange Commission of Post-Effective Amendment No. 15 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 and its separate account, Jackson National Separate Account - I.

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

We are of the following opinions:

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

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You may use this opinion letter, or a copy thereof, as an exhibit to Post-Effective Amendment No. 15 to the Registration Statement.

Very truly yours,

/s/ JENNIFER GRAU

Jennifer Grau

Senior Attorney,

Insurance Legal & Product Development

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

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

![](jnlkpmgconsentscombined001.jpg)

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

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![](jnlkpmgconsentscombined002.jpg)

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

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## Exhibit 99.29

![](final07-01x2025jacksonre001.jpg)

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

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![](final07-01x2025jacksonre002.jpg)

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

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![](final07-01x2025jacksonre003.jpg)

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

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![](final07-01x2025jacksonre004.jpg)

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

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![](final07-01x2025jacksonre005.jpg)

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

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![](final07-01x2025jacksonre006.jpg)

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

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![](final07-01x2025jacksonre007.jpg)

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

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