# EDGAR Filing Document

**Accession Number:** 0001045032
**File Stem:** 0001045032-26-000268
**Filing Date:** 2026-4
**Character Count:** 27323
**Document Hash:** 399194ee6b8a19205730ce5187db4ea8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001045032-26-000268.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001045032-26-000268

**CONFORMED SUBMISSION TYPE**: N-VP

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** N-VP
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-137485
- **FILM NUMBER:** 26897887

**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   |
|:---|:---|:---|
| C000039613 | Curiangard Simplified Retirement Annuity |  |

**Notice Dated April 27, 2026**

**CURIANGARD**<sup>SM</sup> **SIMPLIFIED RETIREMENT ANNUITY** 

**MODIFIED SINGLE PREMIUM FIXED AND VARIABLE DEFERRED ANNUITY**

**Issued by**

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

**JNLNY Separate Account I**

This Notice Document ("Notice") provides certain updated information about your Curiangard Modified Single Premium Fixed and Variable Deferred Annuity contract ("Contract"), which is no longer available for purchase**.**

Jackson National Life Insurance Company of New York ("Jackson") is providing this Notice in lieu of an updated prospectus for the Contract in reliance on the Securities and Exchange Commission's position on modernized alternative disclosures for discontinued variable annuity offerings. Updated audited financial statements for Jackson and for JNLNY Separate Account I ("Separate Account") are available, free of charge, at <u>www.jackson.com/product-literature-8.html</u>. In addition, current summary prospectuses, statutory prospectuses, statements of additional information, and the most recent shareholder reports for the funds available under the Contract ("Funds") are available, free of charge, at the same website address as above. To request a free paper or email copy of any of these materials, please call 1-800-599-5651 or send an email request to customercare@jackson.com.

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

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

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| | |
|:---|:---|
| **TABLE OF CONTENTS** | **TABLE OF CONTENTS** |
| [DEFINITIONS](#ibe1836de619d4132a0a9f1b5ead46dee_7) | [1](#ibe1836de619d4132a0a9f1b5ead46dee_7) |
| [UPDATED INFORMATION ABOUT YOUR CONTRACT](#ibe1836de619d4132a0a9f1b5ead46dee_10) | [2](#ibe1836de619d4132a0a9f1b5ead46dee_10) |
| [IMPORTANT INFORMATION YOU SHOULD CONSIDER ABOUT THE CONTRACT](#ibe1836de619d4132a0a9f1b5ead46dee_13) | [3](#ibe1836de619d4132a0a9f1b5ead46dee_13) |
| [APPENDIX A (](#ibe1836de619d4132a0a9f1b5ead46dee_16)[INVESTMENT OPTIONS](#ibe1836de619d4132a0a9f1b5ead46dee_16)[AVAILABLE UNDER THE CONTRACT)](#ibe1836de619d4132a0a9f1b5ead46dee_16) | A-[1](#ibe1836de619d4132a0a9f1b5ead46dee_16) |
| [BACK COVER PAGE](#ibe1836de619d4132a0a9f1b5ead46dee_19) | B-[1](#ibe1836de619d4132a0a9f1b5ead46dee_19) |

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**DEFINITIONS**

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

**<u>Contract Year</u> –** the succeeding twelve months from a Contract's Issue Date and every anniversary.

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

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

**<u>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.

**<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>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>Separate Account</u> –** JNLNY Separate Account I.

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**UPDATED INFORMATION ABOUT YOUR CONTRACT**

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

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

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

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

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

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

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| | | | | |
|:---|:---|:---|:---|:---|
| | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | **FEES, EXPENSES, AND ADJUSTMENTS** | **LOCATION IN PROSPECTUS** |
| **Are There Charges or Adjustments for Early Withdrawals?** | **Yes.** If you withdraw premium from your Contract within 5 years following the premium payment, you may be assessed a withdrawal charge. The maximum withdrawal charge is 5% of the amount of premium withdrawn. For example, if you make a withdrawal during the first year after a premium payment, you could pay a withdrawal charge of up to $5,000 on a $100,000 investment. The withdrawal charge then gradually declines each year, until the end of the 5th year, after which no charge is made.<br>In addition, 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 an Interest Rate Adjustment, which may be negative. The Interest Rate 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 Interest Rate Adjustment. However, a negative Interest Rate 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 you withdraw premium from your Contract within 5 years following the premium payment, you may be assessed a withdrawal charge. The maximum withdrawal charge is 5% of the amount of premium withdrawn. For example, if you make a withdrawal during the first year after a premium payment, you could pay a withdrawal charge of up to $5,000 on a $100,000 investment. The withdrawal charge then gradually declines each year, until the end of the 5th year, after which no charge is made.<br>In addition, 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 an Interest Rate Adjustment, which may be negative. The Interest Rate 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 Interest Rate Adjustment. However, a negative Interest Rate 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 you withdraw premium from your Contract within 5 years following the premium payment, you may be assessed a withdrawal charge. The maximum withdrawal charge is 5% of the amount of premium withdrawn. For example, if you make a withdrawal during the first year after a premium payment, you could pay a withdrawal charge of up to $5,000 on a $100,000 investment. The withdrawal charge then gradually declines each year, until the end of the 5th year, after which no charge is made.<br>In addition, 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 an Interest Rate Adjustment, which may be negative. The Interest Rate 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 Interest Rate Adjustment. However, a negative Interest Rate 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. | |
| **Are There Transaction Charges?** | **Yes.** You may be charged for transactions and contract adjustments, such as when you transfer cash value between investment options more than 25 times in a Contract Year, when you request an expedited delivery of your partial or complete withdrawal. | **Yes.** You may be charged for transactions and contract adjustments, such as when you transfer cash value between investment options more than 25 times in a Contract Year, when you request an expedited delivery of your partial or complete withdrawal. | **Yes.** You may be charged for transactions and contract adjustments, such as when you transfer cash value between investment options more than 25 times in a Contract Year, when you request an expedited delivery of your partial or complete withdrawal. | **<u>Contract Charges- Transfer Fee</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. | **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. | **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. | **<u>Contract Charges</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> | 1.06% | 1.06% | **<u>Contract Charges</u>** |
| **Are There Ongoing Fees and Expenses?**<br>(annual charges) | 2. Fund fees and expenses<sup>2</sup> | 1.16% | 1.21% | **<u>Contract Charges - Other 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> | 0.20% | 1.05% | **<u>Contract Charges</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.The minimum fee reflects an annualized percentage of average daily account value of Investment Divisions. The maximum fee reflects an annualized percentage of the GWB.  | 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.The minimum fee reflects an annualized percentage of average daily account value of Investment Divisions. The maximum fee reflects an annualized percentage of the GWB.  | 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.The minimum fee reflects an annualized percentage of average daily account value of Investment Divisions. The maximum fee reflects an annualized percentage of the GWB.  |  |
| 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. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender (withdrawal) charges and negative Contract Adjustments that substantially increase costs**.  | 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. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender (withdrawal) charges and negative Contract Adjustments that substantially increase costs**.  | 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. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender (withdrawal) charges and negative Contract Adjustments that substantially increase costs**.  | 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. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender (withdrawal) charges and negative Contract Adjustments that substantially increase costs**.  | 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. This estimate assumes that you do not take withdrawals from the Contract, **which could add surrender (withdrawal) charges and negative Contract Adjustments that substantially increase costs**.  |

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| | | | |
|:---|:---|:---|:---|
| | &nbsp;&nbsp;**LOWEST ANNUAL COST: $2,026** | **HIGHEST ANNUAL COST: $3,131** | |
| | 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 optional benefits<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | Assumes:<br>&nbsp;&nbsp;&nbsp;&nbsp;• Investment of $100,000<br>&nbsp;&nbsp;&nbsp;&nbsp;• 5% annual appreciation<br>&nbsp;&nbsp;&nbsp;&nbsp;• Most expensive combination of optional benefits and Fund fees and expenses<br>&nbsp;&nbsp;&nbsp;&nbsp;• No sales charges<br>&nbsp;&nbsp;&nbsp;&nbsp;• No additional purchase payments, transfers or withdrawals | |
| | **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>The Annuity Contract</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 and living benefit protections 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 Interest Rate 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 and living benefit protections 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 Interest Rate Adjustment. | **<u>The Annuity Contract</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 (including the Fixed Account) has its own unique risks. You should review the prospectuses for the available Funds 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 (including the Fixed Account) has its own unique risks. You should review the prospectuses for the available Funds before making an investment decision. | **<u>The Annuity Contract</u>** |
| **What Are the Risks Related to the Insurance Company?** | Any obligations (including under the Fixed Account), guarantees, and benefits of the Contract are subject to the claims-paying ability of Jackson 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), 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>The Fixed Account</u>** |
|  | **RESTRICTIONS** | **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 both non-qualified and qualified plan Contracts.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The minimum subsequent Premium payment must be at least $500 <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>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We reserve the right, in our discretion, to limit, restrict, suspend or reject any or all initial or subsequent Premium payments and to limit the amount, frequency or timing of Premium payments, at any time on a non-discriminatory basis.<br>**Transfers.**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We reserve the right to charge $25 for each transfer when you transfer money between Investment Divisions in excess of 25 times in a Contract Year.<br>**Investment Restrictions.**<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. | **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 both non-qualified and qualified plan Contracts.<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The minimum subsequent Premium payment must be at least $500 <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>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We reserve the right, in our discretion, to limit, restrict, suspend or reject any or all initial or subsequent Premium payments and to limit the amount, frequency or timing of Premium payments, at any time on a non-discriminatory basis.<br>**Transfers.**<br>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• We reserve the right to charge $25 for each transfer when you transfer money between Investment Divisions in excess of 25 times in a Contract Year.<br>**Investment Restrictions.**<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. | **<u>Investment Divisions</u>** |

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|:---|:---|:---|
| **Are There any Restrictions on Contract Benefits?** | **Yes.** Certain benefits may limit withdrawals or other rights under the Contract. Under certain benefits, a withdrawal could reduce the value of a benefit by more than the dollar amount of the withdrawal. An optional benefit's availability may vary by date of purchase. We may modify or discontinue an optional benefit at any time. | **<u>Access To Your Money</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 registered representative or other investment professionals may receive compensation for selling this Contract to you in the form of commissions, revenue sharing, and other compensation programs. Accordingly, investment professionals may have a financial incentive to offer or recommend this Contract over another investment. | **<u>Distribution of 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>Distribution of Contracts</u>** |

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**APPENDIX A**

**INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT**

The following is a list of Funds (all Class A shares) available under the Contract, which is subject to change, as discussed in the prospectus. Certain broker-dealers selling the Contracts may limit the Investment Divisions that are available to their customers. You can find the prospectuses and other information about the Funds online at <u>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)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** |  **<u>Current Expenses</u>** | **Average Annual Total Returns <br>(as of 12/31/23)** | **Average Annual Total Returns <br>(as of 12/31/23)** | **Average Annual Total Returns <br>(as of 12/31/23)** |
|  **<u>Fund Type</u>** | **<u>Fund and Manager\*<br>(and Sub-Adviser, if applicable)</u><br><u>\*The investment manager for each Fund is Jackson National Asset Management, LLC</u>** |  **<u>Current Expenses</u>** | **1 year** | **5 year** | **10 year** |
| Allocation | **JNL Moderate Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 1.21% | 12.62% | 5.36% | 7.22% |
| Allocation | **JNL Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 1.19% | 14.81% | 6.38% | 8.47% |
| Allocation | **JNL Aggressive Growth Allocation Fund** |  |  |  |  |
| Allocation |  | 1.16% | 15.62% | 7.24% | 9.35% |

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

**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% |
| 3-year Fixed Account Option | 3 year | 2.40% |
| 5-year Fixed Account Option | 5 year | 2.40% |
| 7-year Fixed Account Option | 7 year | 2.40% |

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**BACK COVER PAGE**

The EDGAR contract identifier for the Contract is: #C000039613